Patent Publication Number: US-2021174326-A1

Title: Payment and charging system using a medium and internet sites

Description:
CROSS-REFERENCE TO RELATED APPLICATIONS 
     This is a continuation application of International Patent Application No. PCT/KR2019/010504, filed on Aug. 19, 2019, which claims priority to Korean Patent Application No. 10-2018-0095861 filed on Aug. 17, 2018, contents of both of which are incorporated herein by reference in their entireties. 
    
    
     BACKGROUND 
     Technical Field 
     The described technology relates to a payment or charging system and method, using a medium, etc. 
     Description of Related Technology 
     (Types and overview of payment) There are RF card payment, URL-NFC-CC {refer to Korean Patent 10-2016-0063699 (KR No. 10-1751640) or 10-2017-0096573 (KR No. 10-1941587)} payment, App&amp;SP (Smartphone with an app installed) payment, etc., and examples of the App&amp;SP payment can include Alipay and WeChat Pay. These payments differ in the system and method of connecting the medium and the ‘storing money.’ These payments also differ in the medium and the ‘storing money.’ 
     SUMMARY 
     One aspect is a simpler and more economical means of payment or charging. 
     Another aspect is a payment or charging method applicable to a wider variety of transactions. 
     Another aspect is a payment or charging method capable of structurally blocking hacking. 
     Another aspect is a payment or charging method that can support additional services more economically. 
     Another aspect is a face-to-face transaction payment method and system without a user confirmation (e.g., refer to  FIG. 5 or 6 ). This is a system and method in which a uniform resource locator (URL) medium, a user, a URL point of sale (POS), a VS, a URL vault, a collection account, a payment request, a vault URL, URL POS info, a payment order, money, a payment order result, or a payment result, etc. operate organically. The system and method pays with money outside of the URL medium through the URL medium and the Internet site. 
     Another aspect is a payment method and system in a face-to-face transaction that confirms a user after requesting a payment (e.g., refer to  FIG. 7 or 8 ). This is a system and method in which a URL medium, a user, a URL POS, a TD, a VS, a URL vault, a collection account, a payment request, a vault URL, URL POS info, a vault site, TD info, a vault URL-PWD, a vault URL-PWD check result, order details, an order confirmation, a payment order, money, a payment order result, or a payment result, etc. operate organically. The system and method pays with money outside of the URL medium through the URL medium and the Internet site. 
     Another aspect is a payment method and system for a face-to-face transaction requesting a payment after confirming a user (e.g., refer to  FIG. 9 or 10 ). This is a system and method in which a URL medium, a user, a TD, a URL POS, a VS, a URL vault, a collection account, a vault URL, a vault site, TD info, a vault URL-PWD, a vault URL-PWD check result, a payment reservation, a payment request, URL POS info, a payment order, money, a payment order result, or a payment result, etc. operate organically. The system and method pays with money outside of the URL medium through the URL medium and the Internet site. 
     Another aspect is a payment method and system for a non-face-to-face transaction confirming a user after requesting a payment (e.g., refer to  FIG. 11 or 12 ). This is a system and method in which a URL medium, a user, a TD, an SS, a VS, a URL vault, a collection account, an SS access order, a sales site, a payment request, an Order #, SS info, a vault URL, a vault site, TD info, a vault URL-PWD, a vault URL-PWD check result, order details, an order confirmation, a payment order, money, a payment order result, or a payment result, etc. operate organically. The system and method pays with money outside of the URL medium through the URL medium and the Internet site. 
     Another aspect is a payment method and system for an non-face-to-face transaction requesting a payment after confirming a user (e.g., refer to  FIG. 13 or 14 ). This is a system and method in which a URL medium, a user, a TD, an SS, a VS, a URL vault, a collection account, a vault URL, a vault site, TD info, a vault URL-PWD, a vault URL-PWD check result, a payment reservation, a SS access order, a sales site, a payment request, SS info, a payment order, money, a payment order result, or a payment result, etc. operate organically. The system and method pays with money outside of the URL medium using the URL medium and the Internet site. 
     Another aspect is a payment method and system for face-to-face transactions using two URL mediums without confirming a user (e.g., refer to  FIG. 15 or 16 ). This is a system and method in which a URL medium-B, a URL medium-S, a user-B, a TD, a VS, a URL vault-B, a collection account-S, a vault URL-B, a vault site-B, TD info, a payment request, a vault URL-S, a payment order, money, a payment order result, or a payment result, etc. operate organically. The system and method pays with money outside of the URL medium-B using the two URL mediums and the Internet site. 
     Another aspect is a payment method and system for face-to-face transactions using two URL mediums, identifying a user (e.g., refer to  FIG. 17 or 18 ). This is a system and method in which a URL medium-B, a URL medium-S, a user-B, a TD, a VS, a URL vault-B, a collection account-S, a vault URL-B, a vault site-B, TD info, a vault URL-B-PWD, a vault URL-B-PWD check result, a payment request, a vault URL-S, a payment order, money, a payment order result, or a payment result, etc. operate organically. The system and method pays with money outside of the URL medium-B through the two URL mediums and the Internet site. 
     Another aspect is a payment method and system for face-to-face transaction through a provisional payment (e.g., refer to  FIG. 19 or 20 ). This is a system and method in which a URL medium, a user, a URL POS, a payment request, a vault URL, or a payment result, etc. operate organically. The system and method use the URL medium to pay with money outside of the URL medium, and the type of the payment is the provisional payment. 
     Another aspect is a non-face-to-face charging method and system after confirming a user (e.g., refer to  FIG. 21 or 22 ). This is a system and method in which a URL medium, a user, a TD, a VS, a money supplier, a URL vault, a vault URL, a vault site, a vault URL-PWD, a vault URL-PWD check result, a charge request, a charge order, money, a charge order result, or a charge result, etc. operate organically. In the system and method, ‘the outside of the URL medium’ (URL vault) can be charged with money through the URL medium and the Internet site. 
     Another aspect is a face-to-face charging method and system in which money is paid to a third party and the third party performs charging as an agent (e.g., refer to  FIG. 23 or 24 ) This is a system and method in which a URL medium, a user, a URL POS, a VS, a money supplier, a URL vault, a charge agency request, a vault URL, URL POS info, a charge order, money, a charge order result, or a charge agency result, etc. operate organically. In the system and method, ‘the outside of the URL medium’(URL vault) can be charged with money through the URL medium and the Internet site. 
     Another aspect is a face-to-face charging method and system where a URL vault can be charged with a coupon generated by transaction, etc. (e.g., refer to  FIG. 25 or 26 ). This is a system and method in which a URL medium, a user, a URL POS, a VS, a URL vault, a coupon charge request, a vault URL, URL POS info, a coupon, or a coupon charge result, etc. operate organically. In the system and method, ‘the outside of the URL medium’ (URL vault) can be charged with a coupon through the URL medium and the Internet site. 
     Another aspect is a non-face-to-face charging method and system where a URL vault can be charged with a coupon generated by transaction, etc. (e.g., refer to  FIG. 27 or 28 ). This is a system and method in which a URL medium, a user, a TD, a SS, a VS, a URL vault, a coupon charge request, URL medium info, SS info, a coupon, or a coupon charge result, etc. operate organically. In the system and method, ‘the outside of the URL medium’ (URL vault) can be charged with a coupon through the URL medium and the Internet site. 
     Another aspect is an electronic payment system, comprising: a URL medium that can store a vault URL, etc., and deliver the vault URL to a URL POS; the URL POS that can receive a payment request, etc. from a user, receive the vault URL from the URL medium, connect to a VS in response to the vault URL, deliver URL POS info, or the payment request, etc. to the VS, and deliver a payment result, etc. received from the VS to the user; the VS that can connect to the URL POS in response to the vault URL, receive the URL POS info, or the payment request, etc. from the URL POS, deliver a payment order, etc. to a URL vault, receive a payment order result, etc. from the URL vault, and deliver the payment result, etc. to the URL POS; the URL vault that can receive the payment order, etc. from the VS, deliver a money to a collection account, and deliver the payment order result, etc. to the VS; and the collection account that can collect the money. 
     Another aspect is an electronic payment method, comprising: step a) in which a URL POS receives a payment request, etc. from a user, receives a vault URL from a URL medium, connects to a VS in response to the vault URL, and delivers URL POS info, or the payment request, etc. to the VS; step b) in which the VS connects to the URL POS in response to the vault URL, and delivers a payment order, etc. to a URL vault; step c) in which the URL vault delivers a money to a collection account; and step d) in which the collection account collects the money; the URL vault delivers a payment order result, etc. to the VS; the VS delivers a payment result, etc. to the URL POS; and the URL POS delivers the payment result, etc. to the user. 
     Another aspect is an electronic payment system, comprising: a URL medium-B that can store a vault URL-B, etc., and deliver the vault URL-B to a TD; a URL medium-S that can store a vault URL-S, etc., and deliver the vault URL-S to the TD; the TD that can receive the vault URL-B from the URL medium-B, connect to a VS or a vault site-B in response to the vault URL-B, deliver TD info, etc. to the VS, deliver a payment request, etc. received from a user-B to the VS, receive the vault URL-S from the URL medium-S, connect to the VS in response to the vault URL-S, and deliver a payment result, etc. received from the VS to the user-B; the VS that can connect to the TD in response to the vault URL-B, communicate the vault site-B, or the TD info, etc. with the TD, receive the payment request, etc. from the TD, connect to the TD in response to the vault URL-S, deliver a payment order, etc. to a URL vault-B, receive a payment order result, etc. from the URL vault-B, and deliver the payment result, etc. to the TD; the URL vault-B that can receive the payment order, etc. from the VS, deliver a money to a collection account-S, and deliver the payment order result, etc. to the VS; and the collection account-S that can collect the money. 
     Another aspect is an electronic payment method, comprising: step a) in which a TD receives a vault URL-B from a URL medium-B, connects to a VS or a vault site-B in response to the vault URL-B, delivers TD info, etc. to the VS, and delivers a payment request, etc. received from a user-B to the VS; the VS manages the payment request, etc.; and the TD receives a vault URL-S from a URL medium-S and connects to the VS in response to the vault URL-S; step b) in which the VS delivers a payment order, etc. to a URL vault-B; step c) in which the URL vault-B delivers a money to a collection account-S; and step d) in which the collection account-S collects the money; the URL vault-B delivers a payment order result, etc. to the VS; the VS delivers a payment result, etc. to the TD; and the TD delivers the payment result, etc. to the user-B. 
     Another aspect is an electronic charging system, comprising: a URL medium that can store a vault URL, etc., and deliver the vault URL to a TD; the TD that can receive the vault URL from the URL medium, connect to a VS or a vault site in response to the vault URL, deliver TD info, etc. to the VS, deliver a vault URL PWD, etc. received from a user to the VS, deliver a vault URL PWD check result, etc. received from the VS to the user, deliver a charge request, etc. received from the user to the VS, and deliver a charge result, etc. received from the VS to the user; the VS that can connect to the TD in response to the vault URL, communicate the vault site, or the TD info, etc. with the TD, receive the vault URL PWD, etc. from the TD, deliver the vault URL PWD check result, etc. to the TD, receive the charge request, etc. from the TD, deliver a charge order, etc. to a money supplier, receive a charge order result, etc. from the money supplier, and deliver the charge result, etc. to the TD; the money supplier that can receive the charge order, etc. from the VS, deliver a money to a URL vault, and deliver the charge order result, etc. to the VS; and the URL vault that can hold the money. 
     Another aspect is an electronic charging method, comprising: step a) in which a TD receives a vault URL from a URL medium, connects to a VS or a vault site in response to the vault URL, delivers TD info, etc. to the VS, and delivers a vault URL PWD, etc. received from a user to the VS; the VS delivers a vault URL PWD check result, etc. to the TD; and the TD delivers the vault URL PWD check result, etc. to the user and delivers a charge request, etc. received from the user to the VS; step b) in which the VS delivers a charge order, etc. to a money supplier; step c) in which the money supplier delivers a money to a URL vault; and step d) in which the URL vault holds the money; the money supplier delivers a charge order result, etc. to the VS; the VS delivers a charge result, etc. to the TD; and the TD delivers the charge result, etc. to the user. 
     Another aspect is an electronic charge agency system, comprising: a URL medium that can store a vault URL, etc., and deliver the vault URL to a URL POS; the URL POS that can receive a charge agency request, etc. from a user, receive the vault URL from the URL medium, connect to a VS in response to the vault URL, deliver URL POS info, or the charge agency request, etc. to the VS, and deliver a charge agency result, etc. received from the VS to the user; the VS that can connect to the URL POS in response to the vault URL, receive the URL POS info, or the charge agency request, etc. from the URL POS, deliver a charge order, etc. to a money supplier, receive a charge order result, etc. from the money supplier, and deliver the charge agency result, etc. to the URL POS; the money supplier that can receive the charge order, etc. from the VS, deliver a money to a URL vault, and deliver the charge order result, etc. to the VS; and the URL vault that can hold the money. 
     Another aspect is an electronic charge agency method, comprising: step a) in which a URL POS receives a charge agency request, etc. from a user, receives a vault URL from a URL medium, connects to a VS in response to the vault URL, and delivers URL POS info, or the charge agency request, etc. to the VS; step b) in which the VS connects to the URL POS and delivers a charge order, etc. to a money supplier; step c) in which the money supplier delivers a money to a URL vault; and step d) in which the URL vault holds the money; the money supplier delivers a charge order result, etc. to the VS; the VS delivers a charge agency result, etc. to the URL POS; and the URL POS delivers the charge agency result, etc. to the user. 
     Another aspect is an electronic temporary payment system, comprising: a URL medium that can store a vault URL, etc., and deliver the vault URL to a URL POS; and the URL POS that can receive the vault URL from the URL medium, pay temporarily in response to the vault URL, store the vault URL, or a payment result, etc., and deliver the payment result, etc. to a user. 
     Another aspect is an electronic temporary payment method, comprising: step a) in which a URL medium delivers a vault URL to a URL POS; and step b) in which the URL POS pays temporarily in response to the vault URL, stores the vault URL, or a payment result, etc., and delivers the payment result to a user. 
     The described technology can provide a simpler and more economical means of a payment or charging. 
     The described technology can also provide a simpler and more economical payment means or charging means applicable to various transactions. 
     The described technology can further provide a payment means or charging means that can structurally prevent hacking. 
     The described technology can further provide a payment method or a charging method that can further reduce fees. 
     The described technology can further provide a payment method or a charging method that can further create added value. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         FIG. 1  is a block diagram and flow diagram of a system that an RF card can be charged with money and can pay with money stored in the RF card. 
         FIG. 2  is a block diagram of a system for paying with money outside of URL-NFC-CC using URL-NFC-CC, credit card network, and the Internet site. (The  FIG. 2  configuration can be compared with the  FIG. 7  embodiment.) 
         FIG. 3  is a flow diagram corresponding to the block diagram of  FIG. 2 . (The  FIG. 3  configuration can be compared with the  FIG. 8  embodiment.) 
         FIG. 4  is a block diagram and flow diagram of a system for paying with money outside of an App&amp;SP using the App&amp;SP and App&amp; mobile communication network. ( FIG. 4  can be the block diagram and flow chart of a WeChat Pay or Alipay.  FIG. 4  can be compared with  FIG. 7  and  FIG. 8  embodiments.) 
         FIG. 5  is a block diagram of a system for paying with money outside a URL medium using the URL medium and the Internet site in a face-to-face transaction without a user confirmation. 
         FIG. 6  is a flow diagram corresponding to the block diagram of  FIG. 5 . 
         FIG. 7  is a block diagram of a system for paying with money outside a URL medium using the URL medium and the Internet site in a face-to-face transaction to confirm a user after requesting a payment. 
         FIG. 8  is a flow diagram corresponding to the block diagram of  FIG. 7 . 
         FIG. 9  is a block diagram of a system for paying with money outside a URL medium using the URL medium and the Internet site in a face-to-face transaction requesting a payment after confirming a user. 
         FIG. 10  is a flow diagram corresponding to the block diagram of  FIG. 9 . 
         FIG. 11  is a block diagram of a system for paying with money outside a URL medium using the URL medium and the Internet site in a non-face-to-face transaction that confirms a user after requesting a payment. 
         FIG. 12  is a flow diagram corresponding to the block diagram of  FIG. 11 . 
         FIG. 13  is a block diagram of a system for paying with money outside a URL medium using the URL medium and the Internet site in a non-face-to-face transaction requesting a payment after confirming a user. 
         FIG. 14  is a flow diagram corresponding to the block diagram of  FIG. 13 . 
         FIG. 15  is a block diagram of a system for paying with money outside a URL medium using two URL mediums and the Internet site in a face-to-face transaction without a user confirmation. 
         FIG. 16  is a flow diagram corresponding to the block diagram of  FIG. 15 . 
         FIG. 17  is a block diagram of a system for paying with money outside a URL medium by using two URL mediums and the Internet site in a face-to-face transaction to confirm a user. 
         FIG. 18  is a flow diagram corresponding to the block diagram of  FIG. 17 . 
         FIG. 19  is a block diagram of a system for paying with money outside a URL medium by using a URL medium in a face-to-face transaction with a provisional payment. 
         FIG. 20  is a flow diagram corresponding to the block diagram of  FIG. 19 . 
         FIG. 21  is a block diagram of a system where ‘the outside of a URL medium’ (URL vault) can be charged with money using the URL medium and the Internet site in non-face-to-face charging after confirming a user. 
         FIG. 22  is a flow diagram corresponding to the block diagram of  FIG. 21 . 
         FIG. 23  is a block diagram of a system where ‘the outside of a URL medium’ (URL vault) can be charged with money using the URL medium and the Internet site in face-to-face charging in which money is paid to a third party and the third party performs charging as an agent. 
         FIG. 24  is a flow diagram corresponding to the block diagram of  FIG. 23 . 
         FIG. 25  is a block diagram of a face-to-face charging system where ‘the outside of a URL medium’ (URL vault) can be charged with a coupon generated by transaction, etc. using the URL medium and the Internet site. 
         FIG. 26  is a flow diagram corresponding to the block diagram of  FIG. 25 . 
         FIG. 27  is a block diagram of a non-face-to-face charging system where ‘the outside of a URL medium’ (URL vault) can be charged with a coupon generated by transaction, etc. using the URL medium and the Internet site. 
         FIG. 28  is a flow diagram corresponding to the block diagram of  FIG. 27 . 
     
    
    
     DETAILED DESCRIPTION 
     (Definition and type of a medium) A medium is owned by the user and stores information or means necessary for payment or charging. The RF card, URL-NFC-CC and App&amp;SP are mediums. 
     (‘storing money’) For an RF card payment, money is stored on the RF card, and for a URL-NFC-CC payment, money is stored in an account (CC-account) connected to a system that complies with the standard of credit card. In an App&amp;SP&#39;s payment, money is stored in an account (App&amp;SP account) connected to the App and the system using the mobile communication network. 
     (System and method for connecting medium and ‘storing money’) The RF card payment does not require a means of connection. The URL-NFC-CC payment is connected to the credit card network and the Internet. The App&amp;SP&#39;s payment connects the medium and ‘storing money’ using a smartphone equipped with App and USIM, and an App &amp; mobile communication network. 
     (Credit card network) A credit card network is a communication network that can connect a medium (URL-NFC-CC), CC-POS, and ‘CCP server of CCC server of credit card company.’ The URL-NFC-CC, CC-POS and CCP server comply with the credit card standard. 
     (App &amp; mobile communication network) App &amp; mobile communication network is a communication network that can connect a medium (App&amp;SP: Smartphone with App and USIM), App POS, and App server through mobile communication network. 
     (Relationship between the type of payment path and a medium) Payment paths can include: face-to-face tagging (RF card payment), using different communication networks (URL-NFC-CC payment), incurring fees, requiring special devices, and using ‘the internal operation of the medium’ and ‘external communication networks’ (App&amp;SP payment). Depending on the type of the medium, the composition, cost, and competitiveness are different. 
     (Relationship between payment process and a medium) Payment process can be divided into payment request process, a user check process, and a remittance process. Depending on a medium, the contents, order, and competitiveness of payment process are different. 
     (Relationship between ‘types of transaction and charging’ and ‘a medium’) a) face-to-face transaction without a user confirmation, b) face-to-face transaction to confirm a user after requesting payment, c) face-to-face transaction to request payment after confirming a user, d) non-face-to-face transaction to confirm a user after requesting payment, e) non-face-to-face transaction requesting payment after confirming a user, f) face-to-face transaction using two mediums without confirming a user, g) face-to face transaction using two mediums after confirming a user, h) face-to-face transaction with a provisional payment, i) non-face-to-face charging after verifying a user, j) face-to-face charging in which money is paid to a third party and the third party charges money as an agent, k) face-to-face charging through money (coupon) generated by transactions and the like, l) non-face-to-face charging which can be charged with money (coupon) generated by transactions and the like. Depending on the type of media, the types and competitiveness of transaction and charging are different. 
     (Payment process by a medium) a) There is no user check process for an RF card payment. The RF card payment requests payment by tagging an RF card with an RF card payment machine, which means payment request process. The RF card payment is made by deducting money of the RF card, which means a remittance process. b) for payment of URL-NFC-CC, the credit card information (CC-info) is transferred to the credit card company&#39;s CCP server through the credit card communication network (payment request process), and CC-URL-PWD and CC-URL are transferred to the credit card company&#39;s CCW server (a user check process). The payment of URL-NFC-CC transfers money from an account (CC-account) linked to the credit card network to another account (remittance process). c) For an App&amp;SP payment, a App&amp;SP verifies a App PWD and generates a QR code (a user check process). For the App&amp;SP payment, the App&amp;SP delivers the QR code to the App Server via an App POS and App&amp; mobile communication network (payment request process). For the App&amp;SP payment, App&amp;SP transfers the money from the account (App&amp;SP account) linked to the App&amp; mobile network to another account (a remittance process). 
     (‘The order of the payment request process and user check process’ by a medium) Since the RF card does not verify a user, there is no user check process. The URL-NFC-CC can change the order of payment request process and user check process. The App&amp;SP can only execute the payment request process after executing the user check process. 
     Hereinafter, embodiments of the described technology are described in detail with reference to the accompanying drawings. The terms used herein should be interpreted not in typical or dictionary definitions but to comply in concept with the technical matters of the described technology. 
     The configurations disclosed in the specification and the drawings are mere examples and do not overall represent the technical spirit of the described technology. Therefore, various changes can be made thereto, and equivalents thereof also belong to the scope of the described technology. 
     URL (Uniform Resource Locator) is the location of a web document or a file in a web server that provides various services. 
     &lt;The Charging and Payment of a Typical RF Card, Refer to  FIG. 1 &gt; 
     (An RF card charging system overview and RF card operation overview) 
     A user, an RF card charger, an RF card, a payment&amp; RF card charge request, an RF card charge, etc. operate organically, so the RF card can be charged with money. 
     A user transfers a payment&amp; RF card charge request to an RF card charger, and the RF card charger transfers an RF card charge to the RF card in response to the payment &amp; RF card charge request, so the RF card can be charged with money. 
     (An RF card payment system overview and RF card operation overview) 
     A user, an RF card payment machine, an RF card, an RF card payment request, an RF card payment, etc. operate organically, so pay with money stored in the RF card. 
     A user transmits an RF card payment request to an RF card payment machine, and the RF card payment machine transmits an RF card payment to an RF card for a payment. 
     (Description of RF Card Elements) 
     An RF card is a medium that can store money as electronic information or transmit electronic information to the outside. 
     A user is the person who owns the RF card. 
     An RF card charger is a device that can receive money and the RF card can be charged with money by the RF card charger. 
     A payment&amp; RF card charge request provides RF card charger with money and requests the RF card to be charged with money. 
     An RF card charge gets the RF card to be charged with money. 
     An RF card payment machine is a device that can pay with money from the RF card. 
     An RF card payment request is a request for payment in money of the RF card. 
     An RF card payment is to pay with money on the RF card. 
     (A T-money (a Traffic Card) in Korea) A T-money in Korea is a kind of RF card. T-money&#39;s central account can be charged with money in the form of electronic information. The T-money does not distinguish between users. The central account manages the T-money&#39;s serial number and money, does not verify the user, and deducts the money of the T-money for payment. Since a user is not verified, if a T-money is lost, the balance cannot be compensated. 
     (RF card payment features) a) Money is stored inside the RF card. b) The payment request process is performed by tagging the RF card with the RF card payment machine. c) There is no user check process. d) The remittance process is performed by deducting money from the RF card. e) If the RF card is lost, the balance cannot be compensated.  0  The RF card payment do not use confidential information. g) The RF card payment can be made only at the store that issued the RF card. h) The RF card payment cannot be applied to various transactions. i) The RF card payment cannot be used for large payment. j) For the RF card payment, it is necessary to make the RF card for each store. k) Money is delivered to the seller in advance and RF card can be charged with money. 
     (Comparison of an RF card and a URL medium) a) The RF card stores money internally, but the URL medium stores it externally. b) The RF card has no secret information, but the URL medium has secret information (vault URL-PWD). c) If the RF card is lost, the balance of the RF card is not preserved, but if the URL medium is lost, the balance of the URL medium is preserved. d) In the case of RF card, it is difficult to apply other than face-to-face transactions, but the URL medium can be applied to various transactions. e) For a transaction through an RF card, the RF card must be issued for each store, but for a transaction through a URL medium, the transaction can be made in many stores through one URL medium. 
     (Problems of the RF card payment) a) As money is stored in a small amount inside the RF card, RF card payment cannot be a universal payment method. b) RF card payment can only be used in stores where the RF card is charged. c) It is difficult to apply the payment system universally. d) The balance of the lost RF card is not preserved. e) The RF card payment cannot be a universal payment method because the RF card payment cannot be applied to various transactions. f) It is difficult to create added value. 
     &lt;A Payment of the Typical URL-NFC-CC, Refer to  FIGS. 2 and 3 , Which Can be Compared with  FIG. 7 or 8  of the Described Technology.&gt; 
     (The Payment System and Overview of the URL-NFC CC) 
     A user, a URL-NFC-CC, a CC-POS, a TD, a CCC server, a CC-account, a collection account, a CC-payment request, CC-info, a CC-URL, a CCW site, TD info, a CC-URL-PWD, a CC-URL-PWD check result, order details, an order confirmation, a CC-payment order, money, a CC-payment order result, and a CC-payment result, etc. operate organically. The payment system of the URL-NFC-CC pays with money outside of the URL-NFC-CC using ‘a credit card network that communicates with the URL-NFC-CC and the CC-info’ and ‘the Internet site (CCW site) corresponding to the CC-URL.’ 
     (The URL-NFC-CC Payment Details) 
     A payment system including: a URL-NFC-CC that can store the CC-info and CC-URL, deliver the CC-info to the CC-POS, and deliver the CC-URL to the TD; a CC-POS that can receive the CC-payment request including the order details from a user, receive the CC-info from the URL-NFC-CC, deliver the CC-payment request to the CCP server of the CCC server, and deliver the CC-payment result received from the CCP server to the user; a TD that can receive the CC-URL from the URL-NFC-CC, connect to the CCW server of the CCC server in response to the CC-URL, communicate the CCW site or TD info with the CCW server, deliver the CC-URL-PWD received from the user to the CCW server, deliver the CC-URL-PWD check result or order details received from the CCW server to the user, deliver the order confirmation received from the user to the CCW server, and deliver the CC-payment result received from the CCW server to the user; a CCC server that can receive the CC-payment request from the CC-POS, deliver the CC-payment order to the CC-account, receive the CC-payment order result from the CC-account, connect to ‘the CCP server which can deliver the CC-payment result to the CC-POS’, connect to the TD, communicate the CCW site or TD info with the TD, receive the CC-URL-PWD from the TD, deliver the CC-URL-PWD check result or order details to the TD, receive the order confirmation from the TD, and include the CCW server which can deliver the CC-payment result to the TD; a CC-account that can receive the CC-payment order from the CCP server, deliver money to the collection account, and deliver the CC-payment order result to the CCP server; and a collection account that can collect the money. and a payment method including: step a) in which the CC-POS receives the CC-payment request including the order details from the user, receives the CC-info from the URL-NFC-CC, and delivers the CC-payment request to the CCP server of the CCC server; and the CCP server manages the CC-payment request; step b) in which the TD receives the CC-URL from the URL-NFC-CC, connects to the CCW server of the CCC server in response to the CC-URL, communicates the CCW site or TD info with the CCW server, and delivers the CC-URL-PWD received from the user to the CCW server; step c) in which the CCW server delivers the CC-URL-PWD check result or order details to the TD; step d) in which the TD delivers the CC-URL-PWD check result or order details to the user, and delivers the order confirmation received from the user to the CCW server; step e) in which the CCP server delivers the CC-payment order to the CC-account; step f) in which the CC-account delivers money to the collection account; and the collection account collects the money; and the CC-account delivers the CC-payment order result to the CCP server; and step g) in which the CCP server delivers the CC-payment result to the CC-POS; and the CC-POS delivers the CC-payment result to the user; and the CCW server delivers the CC-payment result to the TD; and the TD delivers the CC-payment result to the user. 
     (Description of the Elements of URL-NFC CC) 
     CC-info is information that complies with credit card standards (ISO/IEC JTC1/SC17, ISO 7816, ISO 14443, etc.). 
     CC-info is the basis of payment of URL-NFC-CC, is stored in URL-NFC-CC, and is the basis for creating CC-URL, CC-URL-PWD, CCW server of CCC server, etc. The CC-info is used in the payment request process and transmitted to the CCP server of the CCC server through the credit card network. The CC-info cannot be used in the user check process, and cannot support access to the CCW server of the CCC server. 
     A CC-URL is a URL that is dependent on CC-info and can support access to a CCW server or CCW site. 
     The CC-URL is stored in the URL-NFC-CC, used to check a user of CC-info, and used as information to log in to the CCW server, and a CC-URL-PWD is set in the CC-URL. The CC-URL cannot use the credit card network, cannot support access to the CCP server, and cannot be used for ‘transactions that do not verify the user’, ‘online transactions’, or ‘transactions or charging using two mediums.’ 
     The URL-NFC-CC is a medium that complies with credit card standards and stores CC-info and CC-URL. The URL-NFC-CC is also a medium in which the CC-URL-PWD is set. 
     The URL-NFC-CC stores money externally, delivers CC-info to the CCP server through the credit card network, and passes the CC-URL to the CCW server through the Internet. The URL-NFC-CC cannot be used for ‘online payment’ and ‘payment and charging using two mediums.’ 
     The URL-NFC-CC is a type of credit card, and because the URL-NFC-CC must comply with the standard of credit card, the construction cost and commission of the URL-NFC-CC system are high. 
     A user is a subscriber of a credit card and a person who owns the URL-NFC-CC. 
     A CC-POS is a store sales system that supports the standard of credit card. 
     The CC-POS can communicate with CC-info, connect to peripheral devices through a credit card network, and support general credit cards. The CC-POS cannot communicate with the CC-URL, and does not support online payment and ‘payment and charging using two mediums’. 
     A CCC server consists of a CCP server that complies with the credit card standard, and a CCW server that is subordinate to the CCP server. The CCC server is a server that oversees the payment of URL-NFC-CC. 
     The CCC server supports payment but does not support charging. In the CCC server, the payment request process and remittance process use the CCP server, but the user check process uses the CCW server, and the CCP server and the CCW server communicate with each other to make a payment. The CCC server supports a credit card payment, pays when CC-info, CC-URL and CC-URL-PWD match, and does not support online payment and ‘payment using two mediums.’ The construction cost of the system in the CCC server is high. 
     A CC-account connects to the credit card network, holds money, and pays in response to the CC-info. The CC-account does not support online payment or ‘payment or charging using two mediums.’ 
     The TD, TD info, and collection account of  FIGS. 2 and 3  is different from the described technology&#39;s TD, TD info, collection account, communication method, peripheral devices, etc. 
     A CCW site is the Internet site that is dependent on the CC-info, connects to according to the CC-URL, and is used to identify a user. 
     The CCW site uses a CC-URL and CC-URL-PWD to determine login. The CCW site cannot deliver CC-payment request, does not support CC-info, and cannot connect to the CCP server. The CCW server provides the CCW site, and the CC-URL-PWD is set in the CCW site. 
     A CC-URL-PWD is subordinate to CC-info and CC-URL, and is secret information set to log in to the CCW site. 
     The CC-URL-PWD is set in association with URL-NFC-CC, CC-info, CC-URL, or CCW site. The CC-URL-PWD is not stored in a medium, is memorized by the user, and is used when the CCW server checks a user. 
     A CC-URL-PWD check result is the result of checking the CC-URL-PWD. 
     The CC-payment request, CC-payment order, CC-payment order result, and CC-payment result use credit card-related information, whereas the payment request, payment order, payment order result, and payment result of the described technology do not use the credit card-related information. 
     The CC-payment request of the URL-NFC-CC payment can include CC-info, but the payment request of the described technology cannot include CC-info. 
     (Payment features of URL-NFC-CC) a) Everything related to payment is dependent on the credit card system and is delivered to the CCP server through the credit card network. b) Money is stored outside of the URL-NFC-CC. c) The payment request process delivers CC-info to the CCP server through the credit card network. d) In the user check process, the CCW server verifies a user using the CC-URL and CC-URL-PWD. e) The remittance process transfers money outside of URL-NFC-CC to another account. The outside of URL-NFC-CC means the CC-account. f) The order of the payment request process and user check process can be changed. g) The production cost of the medium is high because the medium stores CC-info and CC-URL separately and delivers the CC-info and the CC-URL to the outside in different ways. h) Since the CC-info requesting a payment and the CC-URL verifying a user have different paths and attributes, the construction cost and operation cost of the system are high. i) The payment system of the URL-NFC-CC cannot be charged using the URL-NFC-CC. j) The payment system of the URL-NFC-CC cannot be applied to non-face-to-face transactions. (KR  10 - 1751640  and KR  10 - 1941587  are patents for face-to-face transactions.) k) The payment system of URL-NFC-CC cannot pay using two URL-NFC-CCs. l) Since the URL-NFC-CC payment uses the payment path and system of a credit card, a fee is charged based on the credit card. m) Since the internet site is not used when requesting a payment, the exposure of the internet site is limited. n) As the exposure of Internet sites is limited, the creation of added value using Internet sites is also limited. 
     (CC-info) The CC-info complies with the standard of credit card and is the basis of the URL-NFC-CC, CC-URL, CC-URL-PWD, CCW site, CCC server (CCP server+CCW server), etc. In the described technology, there is no CC-info or a concept comparable thereto. 
     (Comparison of CC-URL and vault URL) a) The CC-URL is generated dependent on the CC-info, but a vault URL is generated independently. b) The CC-URL is dependent on the CC-info to support a payment, but the vault URL independently supports a payment. c) The CC-URL cannot request payment, but vault URL can request payment. d) The CC-URL connects to the CCW server dependent on CC-info, but the vault URL connects to independent a VS. e) The CC-URL cannot be used for ‘transactions without a user verification’, ‘online transactions’, or ‘transactions or charging using two mediums’, but the vault URL can also support such transactions and charging. 
     (Comparison of a CCW site and a vault site) a) The CCW site is dependent on CC-info, but the vault site is independent. b) The CCW site is set with the CC-URL PWD dependent on the CC-info, but the vault site is set with an independent vault URL-PWD. c) The CCW site uses the CC-URL and CC-URL-PWD, which are dependent on CC-info, to determine login, but the vault site uses the independent vault URL and vault URL-PWD to determine login. d) The CCW site does not support ‘transactions that do not verify a user’, ‘online transactions’, or ‘transactions or charging using two mediums’, but the vault site can support such transactions or charging. 
     (Comparison of CC-URL-PWD and vault URL-PWD) a) The CC-URL-PWD is set corresponding to the CC-URL dependent on CC-info, but the vault URL-PWD is set corresponding to the independent vault URL. b) The CC-URL-PWD is used as secret information to log in to the CCW site subordinate to CC-info, but the vault URL-PWD can be used as secret information to log in to the independent vault site. c) In a system using the CC-URL-PWD, payment is made when the CC-URL-PWD, the CC-info and CC-URL match, but in a system using the vault URL-PWD, payment is made when the vault URL-PWD and the vault URL match. d) A system using the CC-URL-PWD does not support ‘transactions that do not verify a user’, ‘online transactions’, or ‘transactions or charging using two mediums’, but a system using the vault URL-PWD can support such transactions or charging. 
     (Comparison of a URL-NFC-CC and URL medium) a) The URL-NFC-CC complies with credit card standards, but the URL medium does not comply with credit card standards. b) The URL-NFC-CC stores CC-info that complies with credit card standards, but the URL medium does not store information that complies with credit card standards. c) In the URL-NFC-CC, the information for requesting payment and the information for confirming a user are different, but in the URL medium, the two information are the same. d) The URL-NFC-CC does not support ‘online transactions’ or ‘transactions or charging using two mediums’, but the URL medium can support such transactions or charging. 
     (Comparison of a CC-POS and URL POS) a) The CC-POS complies with credit card standards, but the URL POS does not comply with credit card standards. b) The CC-POS does not support ‘online transactions’ or ‘transactions or charging using two mediums’, but the URL POS can support such payment or charging. 
     (Comparison of CCC sever and VS) a) The CCC server complies with credit card standards, but the VS does not comply with credit card standards. b) The CCC server is composed of CCP server and CCW server, but the VS is composed of one Web Server. c) In the CCC server, the payment request process and remittance process are executed by the CCP server and the user check process is executed by the CCW server, but in the VS the three processes is executed by one server. d) The CCC server does not support ‘online transactions’ or ‘transactions or charging using two mediums’, but the VS can support such transactions or charging. 
     (Comparison of ‘CCW server of CCC server’ and ‘VS’) Both CCW server and VS are web servers based on the Internet, but there are differences as follows. 
     a) The CCW server is dependent on the CCP server, but the VS is independent. b) The CCW server performs only the user check process, which is part of the payment process, but the VS performs the entire payment process. c) The CCW server communicates with the CCP server for offline payment, but the VS does not need to communicate with other servers for offline payment. 
     (Comparison of CC-account and URL vault) a) CC-account is connected to the credit card network, but URL vault is not connected to the credit card network. b) The CC-account cannot be charged using a medium (URL-NFC-CC), but the URL vault can be charged using a medium (the URL medium). 
     (Problems with payment of URL-NFC-CC) a) Payment of URL-NFC-CC must be done using a credit card system. b) The production cost of a medium (URL-NFC-CC) is high. c) The cost of maintaining the system is high because the attributes of the path for requesting payment and the path for verifying a user are different. d) There is a fee for using the credit card system. e) Payment of URL-NFC-CC cannot support payment of online transactions. f) Payment using two mediums (URL-NFC-CC) cannot be supported. g) Payment of URL-NFC-CC cannot be charged using a medium. h) When paying with a user&#39;s money, additional fees for using the credit card system are incurred. i) Creation of added value is limited. 
     &lt;Typical app&amp;SP Payment (WeChat Pay or Alipay), Refer to  FIG. 4 &gt; 
     (Overview of app&amp;SP&#39;s Payment System) 
     A user, an app-POS, an app&amp;SP, an app server, an app&amp;SP account, a collection account, an app, an app-payment request, an app run order, an app-PWD, an app-PWD check result, a QR code creation order, a QR code, app-POS info, an app-payment order, money, an app-payment order result, and an app-payment result, etc. operate organically. App&amp;SP&#39;s payment system pays with money outside of the medium (app&amp;SP) through the medium (app&amp;SP) and an app&amp; mobile network. 
     (App&amp;SP Payment Details) 
     A payment system, including: an app&amp;SP that can install the app, set the app-PWD, have a USIM, receive the app run order from the user, run the app, receive the app-PWD from the user, check the app-PWD, deliver the app-PWD check result to the user, receive the QR code creation order from the user, generate the QR code, deliver the QR code to the app-POS, receive the app-payment result from the app server, and deliver the app-payment result to the user; an app-POS that can receive the app-payment request from a user, receive the QR code from the app&amp;SP, connect to the app server, deliver the app-payment request including the app-POS info or QR code to the app server, and deliver the app-payment result received from the app server to the user; an app server that can connect to the app-POS, receive the app-POS info or app-payment request from the app-POS, deliver the app-payment order to the app&amp;SP account corresponding to the QR code, receive the app-payment order result from the app&amp;SP account, and deliver the app-payment result to the app-POS or app&amp;SP; an app&amp;SP account that can receive the app-payment order from the app server, deliver money to the collection account, and deliver the app-payment order result to the app server; and a collection account which can collect the money. and a payment method, including: step a) in which the app-POS receives the app-payment request from a user; step b) in which the app&amp;SP receives the app run order from the user, runs the app, receives the app-PWD from the user, checks the app-PWD, delivers the app-PWD check result to the user, receives the QR code creation order from the user, generates the QR code, and delivers the QR code to the app-POS; step c) in which the app-POS connects to the app server, and delivers the app-payment request including the app-POS info or QR code to the app server; step d) in which the app server delivers the app-payment order to the app&amp;SP account corresponding to the QR code; step e) in which the app&amp;SP account delivers money to the collection account; and the collection account collects the money; and the app&amp;SP account delivers the app-payment order result to the app server; and step f) in which the app server delivers the app-payment result to the app-POS or app&amp;SP; and the app-POS or app&amp;SP delivers the app-payment result to the user. 
     (Description of the Elements of app&amp;SP) 
     An app is an application software that supports payment or charging. 
     The app can be provided by the app server and installed on a smart phone equipped with a USIM. A app-PWD can be set in the app. The app can check the app-PWD and store electronic information that can generate a QR code. The app also can generate the QR code and process the QR code. 
     A QR code is a user ID and is used as log information of the app server. 
     The QR code is generated in app&amp;SP after the app-PWD is confirmed. The QR code is generated whenever payment or charging is required. The QR code is generated in a medium (app&amp;SP) and delivered to app-POS and app server. The QR code is used at a different stage from the app-PWD, and is linked to the app&amp;SP account. 
     A smartphone is a mobile communication terminal, and includes USIM and app. The smartphone identifies a user with USIM and connects to the mobile communication network. The app cannot be used if there is no USIM on the smartphone. 
     USIM is provided to subscriber of mobile communication network, is used to identify a user, and supports access to the mobile communication network. Without USIM, payment or charging is impossible. 
     The described technology does not require USIM, and there is no concept comparable to USIM. 
     SP info is information on the smartphone including App and USIM information. However, the TD info of the described technology does not include App or USIM information. 
     An app&amp;SP is a terminal as well as a medium combined with ‘a smart phone equipped with USIM’ and ‘an app.’ 
     The app&amp;SP stores app-PWD and electronic information of a QR code, identifies a user with only app-PWD, creates the QR code whenever payment is required, delivers the QR code to the app-POS, and performs the payment request process and user check process. 
     The electronic information of the QR code is stored in the memory as the electronic information, and cannot be seen. 
     A user is a person who owns a smart phone equipped with USIM and owns a medium(app&amp;SP). 
     An app-POS is a store sales system with an app installed. 
     The app-POS receives an app-payment request from a user, receives a QR code from app&amp;SP, connects to the app&amp; mobile network, and transmits an app-payment request including the QR code to the app server. 
     App-POS info is information of app-POS. 
     The app server is the server that manages the app. 
     The app server provides the app, interlocks with a medium (app&amp;SP) where the app is installed, recognizes the QR code as the user ID, does not store the app-PWD, and does not perform the user check process. The app server performs a remittance process in response to the QR code and communicates with the app&amp;SP, app-POS and the app&amp; mobile network. 
     The app&amp;SP account is an account that connects to the app&amp; mobile network, holds money, and supports a payment and charging in response to a QR code. 
     The app run order is a concept of instructing to run an app, and the described technology has no concept comparable to this. 
     App-PWD is secret information that allows a user to log in to a medium(app&amp;SP). 
     The app-PWD is set to generate the QR code, which is the user ID of a medium (app&amp;SP), is stored in a medium (app&amp;SP), is not delivered to the app server, and is used for purposes and processes different from the QR code. 
     An app-PWD check result is the result of checking the app-PWD by the medium (app&amp;SP). 
     The QR code creation order commands the creation of a QR code, and the described technology does not have a concept comparable to this. 
     The app-payment request, app-payment order, app-payment order result, and app-payment result all use the app, so the payment request, payment order, payment order result, and payment result of the described technology are different from them. 
     The app-payment request of app&amp;SP payment can include a QR code, but the payment request of the described technology cannot include a QR code. 
     (Comparison of App and Internet Site) 
     1) The app is installed and driven on a device such as a smart phone or app-POS, but the Internet site is driven by a web server 
     2) App interlocks with devices (such as smartphones or App-POS). However, the internet site interlocks with the web server. 
     3) The app runs on the device and connects to the App server when needed. However, the Internet site links all operations with web server. 
     4) Since the app is installed on the device, it is difficult to reflect changes in services in real time, but since the Internet site is provided by a web server, it is easy to reflect changes in services in real time. 
     5) App is highly likely to be hacked. However, the Internet sites are unlikely to be hacked. 
     6) The information stored and managed by the app is easily leaked when the medium (app&amp;SP) where the app is installed is replaced. Information stored and managed through the Internet site does not leak due to the replacement of the medium (URL medium). 
     7) The app runs only on the device where the app is installed, but the Internet site can run on any device with an Internet connection. 
     8) The app&amp;SP (medium) uses app&amp; mobile network, but the URL medium uses the Internet. 
     (app&amp;SP payment features) a) Money is stored outside of app&amp;SP. b) The payment request process transmits the QR code to the app-POS and app server through the app &amp; mobile communication network. c) In the user check process, app&amp;SP checks the app-PWD. d) The remittance process transfers money outside the app&amp;SP to another account. e) The user check process is performed first, and then the payment request process is performed. (the order cannot be changed) f) The QR code, which is a user ID, is generated whenever payment and charging are required. g) The app-PWD is used to create a QR code, and the QR code is used to deliver money. (the app-PWD, which is secret information, and the QR code, which is user ID, are not used for the same purpose at the same time) h) A smart phone equipped with app and USIM is required. i) When paying, the user&#39;s own smart phone is required. j) The app and smart phone must store and manage the app-PWD. k) A user must run the app to form a QR code. l) There is a high possibility that the app will be hacked. m) When a smart phone is lost, it is easy to leak ‘electronic information of QR code’ or app-PWD. n) Changes in services or contents cannot be reflected in real time. o) It is difficult to create added value using internet sites. 
     (Comparison of “app-PWD and QR code in  FIG. 4 ” and “vault URL-PWD and vault URL in the described technology”) A QR code is generated, which is user ID, using the app-PWD, and then the QR code is only used to log in to the app server in the  FIG. 4 . However, the described technology does not generate a user ID and uses the vault URL-PWD and the vault URL to log in to VS. 
     (Comparison of QR code and vault URL) a) QR code is a user ID for app server without path attribute, but vault URL is a user ID for VS using the Internet path. b) The QR code logs in to the app server alone, but the vault URL logs in to the vault site with the vault URL-PWD. c) Whenever payment or charging is required, a QR code needs to be generated, but a vault URL does not need to be generated. d) The QR code is used after the app-PWD is verified, but the vault URL can be used without confirmation of the password (vault URL-PWD). e) QR code cannot access the Internet sites, but vault URL can access Internet sites. f) QR code requires a USIM-equipped smart phone, but the vault URL does not require USIM and smart phone. 
     (Comparison of app-PWD and vault URL-PWD) a) The app-PWD is the secret information for logging in to a medium (app&amp;SP) alone, but the vault URL-PWD is the secret information for logging in to the Internet site (vault site) along with the vault URL, etc. b) The app-PWD is used as information to create a QR code, which is a user ID, but the vault URL-PWD is not used as information to create a user ID. c) The app-PWD is stored in the medium (app&amp;SP), but the vault URL-PWD is not stored in the medium (URL medium). d) app-PWD is checked by a medium (app&amp;SP), but vault URL-PWD is checked by a server. 
     (Comparison of app&amp;SP and URL medium) a) The composition of app&amp;SP is the composition where the app is installed on a smart phone equipped with USIM. However, the URL medium does not require an app, USIM, or smart phone. b) app&amp;SP stores app-PWD, but URL medium does not store vault URL-PWD. c) app&amp;SP checks the app-PWD, but URL medium does not check the vault URL-PWD. d) app&amp;SP creates a QR code that is a user ID, but URL medium does not create a user ID. e) app&amp;SP needs a function to communicate with a user, but URL medium does not have a function to communicate with a user. 
     (Comparison of app&amp;SP&#39;s smartphone and the described technology&#39;s TD) a) Smart phone requires USIM, but TD does not need USIM. b) The smart phone needs to install the app, but TD does not install the app. c) The smart phone contains the function of the medium, but the TD does not contain the function of the medium. d) The smart phone stores the app-PWD and identifies the user with the app-PWD, but TD does not store the vault URL-PWD, and the TD cannot verify a user. 
     (Comparison of app-POS and URL POS) a) App-POS requires an app, but URL POS does not need an app. b) App-POS receives QR code, but URL POS does not receive QR code. c) App-POS delivers the QR code to the app server, but URL POS cannot deliver the QR code. 
     (Comparison of app server and VS) a) The App server oversees the App, but the VS oversees the Internet site. b) The app server does not store the app-PWD, but VS stores the vault URL-PWD. c) The app server does not check the app-PWD, but VS checks the vault URL-PWD. d) The app server performs only the remittance process, but VS performs the payment request process, user check process, and remittance process. e) The app server verifies users with only QR code, but VS verifies users with vault URL and vault URL-PWD. 
     (Payment problems using the medium(app&amp;SP) in  FIG. 4 ) a) The cost of configuring the medium(app&amp;SP) is high. b) An app with a risk of hacking is used. c) The user of smartphone and the owner of the smartphone must be the same. d) Whenever payment or charging is required, a QR code must be generated. e) The smart phone should store the app-PWD. f) The process of executing the app is necessary. g) The order of the user check process and payment request process cannot be changed, so it cannot support various transactions. h) Internet sites that can create added value cannot be used. i) When a smart phone is lost and replaced, there is a high possibility that the app-PWD, etc. will be leaked. j) There is a cost of using the mobile communication network. 
     A payment method and A charging method of the described technology will be described with reference to the drawings (from the drawing  5  to the drawing  28 ). 
     &lt;Payment of Face-to-Face Transactions Without User Confirmation, Refer to  FIGS. 5 and 6 &gt; 
     A URL medium that can store a vault URL, etc., or deliver a vault URL to a URL POS. 
     A URL POS that can receive a payment request, etc. from a user, receive a vault URL from a URL medium, connect to a VS in response to a vault URL, deliver URL POS info, or a payment request, etc. to a VS, or deliver payment result, etc. received from a VS to a user. 
     A VS that can connect to a URL POS in response to a vault URL, receive URL POS info, or a payment request, etc. from a URL POS, deliver payment order, etc. to a URL vault, receive payment order result, etc. from a URL vault, or deliver payment result, etc. to a URL POS. 
     A URL vault that can receive payment order, etc. from a VS, deliver money to a collection account, or deliver payment order result, etc. to a VS. 
     A collection account that can collect money. The payment system ( FIG. 5 ) can include the URL medium, the URL POS, the VS, the URL vault, and the collection account, etc. 
     Step a) in which a URL POS receives a payment request, etc. from a user, receives a vault URL from a URL medium, connects to a VS in response to a vault URL, or delivers URL POS info, or a payment request, etc. to a VS. 
     Step b) in which a VS connects to a URL POS in response to a vault URL or delivers a payment order, etc. to a URL vault. 
     Step c) in which a URL vault delivers money to a collection account. 
     Step d) in which a collection account collects money; a URL vault delivers a payment order result, etc. to a VS; a VS deliver a payment result, etc. to a URL POS; or a URL POS deliver a payment result, etc. to a user. The payment method ( FIG. 6 ) can include the above steps and other steps. 
     The payment system ( FIG. 5 ) or the payment method ( FIG. 6 ) pays with the money of the URL vault (the outside of the URL medium), using a medium (URL medium) and the Internet. 
       FIGS. 5 and 6  are useful for micropayment. 
     &lt;Payment of a Face-to-Face Transaction Confirming a User After Receiving a Payment Request, Refer to  FIGS. 7 and 8 &gt; 
     A URL medium that can store a vault URL, etc., or deliver a vault URL to a URL POS or a TD. 
     A URL POS that can receive a payment request, etc. from a user, receive a vault URL from a URL medium, connect to a VS in response to a vault URL, deliver URL POS info, or a payment request, etc. to a VS, or deliver a payment result, etc. received from a VS to a user. 
     A TD that can receive a vault URL from a URL medium, connect to a VS or a vault site in response to a vault URL, deliver TD info, etc. to a VS, deliver a vault URL-PWD, etc. received from a user to a VS, deliver a vault URL-PWD check result, or order details, etc. received from a VS to a user, deliver an order confirmation, etc. received from a user to a VS, or deliver a payment result, etc. received from a VS to a user. 
     A VS that can connect to a URL POS in response to a vault URL, receive a URL POS info, or a payment request, etc. from a URL POS, connect to a TD in response to a vault URL, communicate a vault site, or a TD info, etc. with a TD, receive a vault URL-PWD, etc. from a TD, deliver a vault URL-PWD check result, or order details, etc. to a TD, receive an order confirmation, etc. from a TD, deliver a payment order, etc. to a URL vault, receive a payment order result, etc. from a URL vault, or deliver a payment result, etc. to a URL POS or a TD. 
     A URL vault which can receive a payment order, etc. from a VS, deliver money to a collection account, or deliver a payment order result, etc. to a VS. 
     A collection account that can collect money. The payment system ( FIG. 7 ) can include the URL medium, the URL POS, the TD, the VS, the URL vault, and the collection account, etc. 
     Step a) in which a URL POS receives a payment request, etc. from a user, receives a vault URL from a URL medium, connects to a VS in response to a vault URL, or delivers URL POS info, or a payment request, etc. to a VS; or a VS manages a URL POS info, or a payment request, etc. 
     Step b) in which a TD receives a vault URL from a URL medium, connects to a VS or vault site in response to a vault URL, delivers TD info, etc. to a VS, or delivers a vault URL-PWD, etc. received from a user to a VS. 
     Step c) in which a VS delivers a vault URL-PWD check result, or order details, etc. to a TD; a TD delivers a vault URL-PWD check result, or an order details, etc. to a user, or delivers an order confirmation, etc. received from a user to a VS; or a VS delivers a payment order, etc. to a URL vault. 
     Step d) in which a URL vault delivers a money to a collection account. 
     Step e) in which a collection account collects a money; a URL vault delivers a payment order result, etc. to a VS; a VS delivers a payment result, etc. to a URL POS or TD; or a URL POS or a TD delivers a payment result, etc. to a user. The payment method ( FIG. 8 ) can include the above steps and other steps. 
     The payment system ( FIG. 7 ) or the payment method ( FIG. 8 ) pays with the money of the URL vault(the outside of the URL medium), using a medium (a URL medium) and an interne site (vault site). 
     &lt;Payment in a Face-to-Face Transaction Receiving a Payment Request After Confirming a User, Refer to  FIGS. 9 and 10 &gt; 
     A URL medium that can store a vault URL, etc., or deliver a vault URL to a TD or a URL POS. 
     A TD that can receive a vault URL from a URL medium, connect to a VS or vault site in response to a vault URL, deliver TD info, etc. to a VS, deliver a vault URL-PWD, etc. received from a user to a VS, deliver a vault URL-PWD check result, etc. received from a VS to a user, deliver a payment reservation, etc. received from a user to a VS, or deliver a payment result, etc. received from a VS to a user. 
     A URL POS that can receive a payment request, etc. from a user, receive a vault URL from a URL medium, connect to a VS in response to a vault URL, deliver URL POS info, or a payment request, etc. to a VS, or deliver a payment result, etc. received from a VS to a user. 
     A VS that can connect to a TD in response to a vault URL, communicate a vault site, or a TD info, etc. with a TD, receive a vault URL-PWD, etc. from a TD, deliver a vault URL-PWD check result, etc. to a TD, receive a payment reservation, etc. from a TD, connect to a URL POS in response to a vault URL, receive a URL POS info, or a payment request, etc. from a URL POS, deliver a payment order, etc. to a URL vault, receive a payment order result, etc. from a URL vault, or deliver a payment result, etc. to a TD or a URL POS. 
     A URL vault which can receive a payment order, etc. from a VS, deliver money to a collection account, or deliver a payment order result, etc. to a VS. 
     A collection account that can collect money. The payment system ( FIG. 9 ) can include the URL medium, the TD, the URL POS, the VS, the URL vault, and the collection account, etc. 
     Step a) in which a TD receives a vault URL from a URL medium, connects to a VS or vault site in response to a vault URL, delivers TD info, etc. to a VS, or delivers a vault URL-PWD, etc. received from a user to a VS; a VS delivers a vault URL-PWD check result, etc. to a TD; a TD delivers a vault URL-PWD check result, etc. to a user, or delivers a payment reservation, etc. received from a user to a VS; or a VS manages a payment reservation, etc. 
     Step b) in which a URL POS receives a payment request, etc. from a user, receives a vault URL from a URL medium, connects to a VS in response to a vault URL, or delivers URL POS info, or a payment request, etc. to a VS. 
     Step c) in which a VS delivers a payment order, etc. to a URL vault. 
     Step d) in which a URL vault delivers a money to a collection account. 
     Step e) in which a collection account collects a money; a URL vault delivers a payment order result, etc. to a VS. a VS delivers a payment result, etc. to a TD or URL POS; or a URL POS or TD delivers a payment result, etc. to a user. The payment method ( FIG. 10 ) can include the above steps and other steps. 
     The payment system ( FIG. 9 ) or the payment method ( FIG. 10 ) pays with the money of the URL vault (the outside of the URL medium), using a medium (URL medium) and an interne site (vault site). 
       FIGS. 7, 8, 9, and 10  are useful for transactions with large payment amounts. 
     &lt;Payment of a non-face-to-face transaction confirming a user after receiving a payment request, refer to  FIGS. 11 and 12 &gt; 
     A URL medium that can store a vault URL, etc., or deliver a vault URL to a TD. 
     A TD that can connect to a SS or a sales site in response to a user&#39;s SS access order, deliver a payment request including URL medium info, or order details, etc. received from a user to a SS, receive a vault URL from a URL medium, connect to a VS or vault site in response to a vault URL, deliver TD info, etc. to a VS, deliver a vault URL-PWD, etc. received from a user to a VS, deliver a vault URL-PWD check result, or an order details, etc. received from a VS to a user, deliver an order confirmation, etc. received from a user to a VS, or deliver a payment result, etc. received from a VS or a SS to a user. 
     A SS that can connect to a TD, communicate a sales site, or TD info, etc. with a TD, receive a payment request, etc. from a TD, connect to a VS or vault site in response to a URL medium info, deliver SS info, or a payment request, etc. to a VS, or deliver a payment result, etc. received from a VS to a TD. 
     A VS that can connect to a SS in response to a URL medium info, receive a SS info, or a payment request, etc. from a SS, connect to a TD in response to a vault URL, communicate a vault site, or a TD info, etc. with a TD, receive a vault URL-PWD, etc. from a TD, deliver a vault URL-PWD check result, or an order details, etc. to a TD, receive an order confirmation, etc. from a TD, deliver a payment order, etc. to a URL vault, receive a payment order result, etc. from a URL vault, or deliver a payment result, etc. to a SS or a TD. 
     A URL vault which can receive a payment order, etc. from a VS, deliver money to a collection account, or deliver a payment order result, etc. to a VS. 
     A collection account that can collect money. The payment system ( FIG. 11 ) can include the URL medium, the TD, the SS, the VS, the URL vault, and the collection account, etc. 
     Step a) in which a TD connects to a SS or a sales site in response to a user&#39;s SS access order, or delivers a payment request including URL medium info, or order details, etc. received from a user to a SS. 
     Step b) in which a SS connects to a TD, connects to a VS or vault site in response to a URL medium info, or delivers SS info, or a payment request, etc. to a VS; or the VS manages a payment request, etc. 
     Step c) in which a TD receives a vault URL from a URL medium, connects to a VS or vault site in response to a vault URL, delivers TD info, etc. to a VS, or delivers a vault URL-PWD, etc. received from a user to a VS. 
     Step d) in which a VS delivers a vault URL-PWD check result, or an order details, etc. to a TD; a TD delivers a vault URL-PWD check result, or an order details, etc. to a user, or delivers an order confirmation, etc. received from a user to a VS; or a VS delivers a payment order, etc. to a URL vault. 
     Step e) in which a URL vault delivers money to a collection account. 
     Step g) in which a collection account collects a money; a URL vault delivers a payment order result, etc. to a VS; a VS delivers a payment result, etc. to a SS or a TD; a SS delivers a payment result, etc. to a TD; or a TD delivers a payment result, etc. to a user. The payment method ( FIG. 12 ) can include the above steps and other steps. 
     The payment system ( FIG. 11 ) or the payment method ( FIG. 12 ) pays with the money of the URL vault (the outside of the URL medium), using a medium (URL medium) and an interne site (vault site). 
     A payment request can include URL medium info, and URL POS can connect to VS or vault site using URL medium info. 
     &lt;Payment of a Non-Face-to-Face Transaction Receiving a Payment Request After Confirming a User, Refer to  FIGS. 13 and 14 &gt; 
     A URL medium that can store a vault URL, etc., or deliver a vault URL to a TD. 
     A TD that can receive a vault URL from a URL medium, connect to a VS or a vault site in response to a vault URL, deliver TD info, etc. to a VS, deliver a vault URL-PWD, etc. received from a user to a VS, deliver a vault URL-PWD check result, etc. received from a VS to a user, deliver a payment reservation, etc. received from a user to a VS, connect to a SS or sales site in response to a user&#39;s SS access order, deliver ‘a payment request including a URL medium info, etc. received from a user’, etc. to a SS, deliver an order #, etc. received from a SS to a user, or deliver a payment result, etc. received from a SS or VS to a user. 
     A SS that can connect to a TD, communicate a sales site with a TD, receive a payment request, etc. from a TD, deliver an order #, etc. to a TD, connect to a VS in response to a URL medium info, deliver SS info or a payment request, etc. to a VS, or deliver a payment result, etc. received from a VS to a TD. 
     A VS that can connect to a TD in response to a vault URL, communicate a vault site or TD info, etc. with a TD, receive a vault URL-PWD, etc. from a TD, deliver a vault URL-PWD check result, etc. to a TD, receive a payment reservation, etc. from a TD, connect to a SS, receive a SS info or a payment request, etc. from a SS, deliver a payment order, etc. to a URL vault, receive a payment order result, etc. from a URL vault, or deliver a payment result, etc. to a TD or SS, etc. 
     A URL vault which can receive a payment order, etc. from a VS, deliver money to a collection account, or deliver a payment order result, etc. to a VS. 
     A collection account that can collect money. The payment system ( FIG. 13 ) can include the URL medium, the TD, the SS, the VS, the URL vault, and the collection account, etc. 
     Step a) in which a TD receives a vault URL from a URL medium, connects to a VS or vault site in response to a vault URL, delivers a TD info, etc. to a VS, or delivers a vault URL-PWD, etc. received from a user to a VS; a VS delivers a vault URL-PWD check result, etc. to a TD; a TD delivers a vault URL-PWD check result, etc. to a user, or delivers a payment reservation, etc. received from a user to a VS; a VS manages a payment reservation, etc.; or a TD connects to a SS or sales site in response to a user&#39;s SS access order, or delivers ‘a payment request including a URL medium info, etc. received from a user’, etc. to a SS. 
     Step b) in which a SS can deliver an order #, etc. to a TD, connect to a VS in response to a URL medium info, or deliver a SS info or a payment request, etc. to a VS; or a TD can deliver an order #, etc. to a user. 
     Step c) in which a VS delivers a payment order, etc. to a URL vault. 
     Step d) in which a URL vault delivers money to a collection account. 
     Step e) in which a collection account collects a money; a URL vault delivers a payment order result, etc. to a VS; a VS delivers a payment result, etc. to a TD or SS; a SS delivers a payment result, etc. to a TD; or a TD delivers a payment result, etc. to a user. The payment method ( FIG. 14 ) can include the above steps and other steps. 
     The payment system ( FIG. 13 ) or the payment method ( FIG. 14 ) pays with the money of the URL vault (the outside of the URL medium), using a medium (URL medium) and an interne site (vault site). 
     A payment request can include the URL medium info, and the SS can connect to the VS or vault site using the URL medium info. 
     &lt;Payment of Face-to-Face Transactions Using Two URL Mediums Without Confirming a User, Refer to  FIGS. 15 and 16 &gt; 
     A URL medium-B that can store a vault URL-B, etc., or deliver a vault URL-B to a TD. 
     A URL medium-S that can store a vault URL-S, etc., or deliver a vault URL-S to a TD. 
     A TD that can receive a vault URL-B from a URL medium-B, connect to a VS or a vault site-B in response to a vault URL-B, deliver TD info, etc. to a VS, deliver a payment request, etc. received from a user-B to a VS, receive a vault URL-S from a URL medium-S, connect to a VS in response to a vault URL-S, or deliver a payment result, etc. received from a VS to a user-B. 
     A VS that can connect to a TD in response to a vault URL-B, communicate a vault site-B or a TD info, etc. with a TD, receive a payment request, etc. from a TD, connect to a TD in response to a vault URL-S, deliver a payment order, etc. to a URL vault-B, receive a payment order result, etc. from a URL vault-B, or deliver a payment result, etc. to a TD. 
     A URL vault-B which can receive a payment order, etc. from a VS, deliver money to a collection account-S, or deliver a payment order result, etc. to a VS. 
     A collection account-S that can collect money. The payment system ( FIG. 15 ) can include the URL medium-B, the URL medium-S, the TD, the VS, the URL vault-B, and the collection account-S, etc. 
     Step a) in which a TD receives a vault URL-B from a URL medium-B, connects to a VS or a vault site-B in response to a vault URL-B, delivers TD info, etc. to a VS, or delivers a payment request, etc. received from a user-B to a VS; or a VS manages a payment request, etc.; or a TD receives a vault URL-S from a URL medium-S, or connects to a VS in response to a vault URL-S. 
     Step b) in which a VS delivers a payment order, etc. to a URL vault-B. 
     Step c) in which a URL vault-B delivers money to a collection account-S. 
     Step d) in which a collection account-S collects money; a URL vault-B delivers a payment order result, etc. to a VS; a VS delivers a payment result, etc. to a TD; or a TD delivers a payment result, etc. to a user-B. The payment method ( FIG. 16 ) can include the above steps and other steps. 
     The payment system ( FIG. 15 ) or the payment method ( FIG. 16 ) pays with the money of the URL vault (the outside of the URL medium), using a medium (URL medium) and an internet site (vault site). 
     &lt;Payment for Face-to-Face Transactions Using Two URL Mediums After Confirming the User-B, Refer to  FIGS. 17 and 18 &gt; 
     A URL medium-B that can store a vault URL-B, etc., or deliver a vault URL-B to a TD. 
     A URL medium-S that can store a vault URL-S, etc., or deliver a vault URL-S to a TD. 
     A TD that can receive a vault URL-B from a URL medium-B, connect to a VS or a vault site-B in response to a vault URL-B, deliver TD info, etc. to a VS, deliver a vault URL-B PWD, etc. received from a user-B to a VS, deliver a vault URL-B PWD check result, etc. received from a VS to a user-B, deliver a payment request, etc. received from a user-B to a VS, receive a vault URL-S from a URL medium-S, connect to a VS or vault site-S in response to a vault URL-S, or deliver a payment result, etc. received from a VS to a user-B. 
     A VS that can connect to a TD in response to a vault URL-B, communicate a vault site-B or a TD info, etc. with a TD, receive a vault URL-B-PWD, etc. from a TD, deliver a vault URL-B-PWD check result, etc. to a TD, receive a payment request, etc. from a TD, connect to a TD in response to a vault URL-S, deliver a payment order, etc. to a URL vault-B, receive a payment order result, etc. from a URL vault-B, or deliver a payment result, etc. to a TD. 
     A URL vault-B which can receive a payment order, etc. from a VS, deliver money to a collection account-S, or deliver a payment order result, etc. to a VS. 
     A collection account-S that can collect money. The payment system ( FIG. 17 ) can include the URL medium-B, the URL medium-S, the TD, the VS, the URL vault-B, and the collection account-S, etc. 
     Step a) in which a TD receives a vault URL-B from a URL medium-B, connects to a VS or a vault site-B in response to a vault URL-B, delivers TD info, etc. to a VS, or delivers a vault URL-B-PWD, etc. received from a user-B to a VS; a VS delivers a vault URL-B-PWD check result, etc. to a TD; a TD delivers a vault URL-B-PWD check result, etc. to a user-B or delivers a payment request, etc. received from a user-B to a VS; a VS manages a payment request, etc.; or a TD receives a vault URL-S from a URL medium-S or connects to a VS or vault site-S in response to a vault URL-S. 
     Step b) in which a VS delivers a payment order, etc. to a URL vault-B. 
     Step c) in which a URL vault-B delivers money to a collection account-S. 
     Step d) in which a collection account-S receives a money; a URL vault-B delivers a payment order result, etc. to a VS; a VS delivers a payment result, etc. to a TD; or a TD delivers a payment result, etc. to a user-B. The payment method ( FIG. 18 ) can include the above steps and other steps. 
     The payment system ( FIG. 17 ) or the payment method ( FIG. 18 ) pays with the money of the URL vault (the outside of the URL medium), using a medium (URL medium) and an interne site (vault site). 
       FIGS. 15, 16, 17 and 18  are useful when there is no URL POS. 
     &lt;Temporary Face-to-Face Payment System, Refer to Drawings  19  and  20 &gt; 
     A URL medium that can store a vault URL, etc., or deliver a vault URL to a URL POS. 
     A URL POS that can receive a vault URL from a URL medium, pay in response to a vault URL, store a vault URL or a payment result, etc., or deliver a payment result, etc. to a user. The temporary payment system ( FIG. 19 ) can include a URL medium, and a URL POS, etc. 
     Step a) in which a URL medium delivers the vault URL to the URL POS. 
     Step b) in which a URL POS pays in response to the vault URL, stores the vault URL or the payment result, etc., or delivers the payment result to the user. The temporary payment method ( FIG. 20 ) can include the above steps and other steps. 
     The temporary payment system ( FIG. 19 ) or the temporary payment method ( FIG. 20 ) pays temporarily using a medium. 
       FIGS. 19 and 20  are useful for ‘a case where access to network is difficult and fast payments are made’ or ‘a case where a payment is made repeatedly with a small payment amount.’ In the transportation system, access to a network is difficult and fast payment is made. 
     &lt;Online Charging Receiving a Charge Request After Confirming a User, Refer to  FIGS. 21 and 22 &gt; 
     A URL medium that can store a vault URL, etc., or deliver a vault URL to a TD. 
     A TD that can receive a vault URL from a URL medium, connect to a VS or a vault site in response to a vault URL or deliver TD info, etc. to a VS, deliver a vault URL-PWD, etc. received from a user to a VS, deliver a vault URL-PWD check result, etc. received from a VS to a user, deliver a charge request, etc. received from a user to a VS, or deliver a charge result, etc. received from a VS to a user. 
     A VS that can connect to a TD in response to a vault URL, communicate a vault site or a TD info, etc. with a TD, receive a vault URL-PWD, etc. from a TD, deliver a vault URL-PWD check result, etc. to a TD, receive a charge request, etc. from a TD, deliver a charge order, etc. to a money supplier, receive a charge order result, etc. from a money supplier, or deliver a charge result, etc. to a TD. 
     A money supplier which can receive a charge order, etc. from a VS, deliver money to a URL vault, or deliver a charge order result, etc. to a VS. 
     A URL vault that can be charged with money. The charging system ( FIG. 21 ) can include the URL medium, the TD, the VS, the money supplier, and the URL vault, etc. 
     Step a) in which a TD receives a vault URL from a URL medium, connects to a VS or vault site in response to a vault URL, delivers TD info, etc. to a VS, or delivers a vault URL-PWD, etc. received from a user to a VS. 
     Step b) in which a VS delivers a vault URL-PWD check result, etc. to a TD; a TD delivers a vault URL-PWD check result, etc. to a user, or delivers a charge request, etc. received from a user to a VS; or a VS delivers a charge order, etc. to a money supplier. 
     Step c) in which a money supplier delivers money to a URL vault. 
     Step d) in which a URL vault holds the money; a money supplier delivers a charge order result, etc. to a VS; a VS delivers a charge result, etc. to a TD; or a TD delivers a charge result, etc. to a user. The charging method ( FIG. 22 ) can include the above steps and other steps. 
     In the charging system ( FIG. 21 ) or the charging method ( FIG. 22 ), the URL vault (the outside of the URL medium) can hold the money, using a medium (URL medium) and an internet site (vault site). 
     &lt;A Charge Agent System. Face-to-Face Charging System That a Money is Paid to a Third Party and the Third Party Performs Charging Service as an Agent, Refer to  FIGS. 23 and 24 &gt; 
     A URL medium that can store a vault URL, etc., or deliver a vault URL to a URL POS. 
     A URL POS that can receive money or a charge agency request, etc. from a user, receive a vault URL from a URL medium, connect to a VS in response to a vault URL, deliver URL POS info or a charge agency request, etc. to a VS, or deliver a charge agency result, etc. received from a VS to a user. 
     A VS that can connect to a URL POS in response to a vault URL, receive a URL POS info or a charge agency request, etc. from a URL POS, deliver a charge order, etc. to a money supplier, receive a charge order result, etc. from a money supplier, or deliver a charge agency result, etc. to a URL POS. 
     A money supplier that can receive a charge order, etc. from a VS, deliver money to a URL vault, or deliver a charge order result, etc. to a VS. 
     A URL vault that can be charged with money. The charge agent system ( FIG. 23 ) can include the URL medium, the URL POS, the VS, the money supplier, and the URL vault, etc. 
     Step a) in which a URL POS receives money or a charge agency request, etc. from a user, receives a vault URL from a URL medium, connects to a VS in response to a vault URL, or delivers URL POS info or a charge agency request, etc. to a VS. 
     Step b) in which a VS connects to a URL POS or delivers a charge order, etc. to a money supplier. 
     Step c) in which a money supplier delivers money to a URL vault. 
     Step d) in which a URL vault is charged with money; a money supplier delivers a charge order result, etc. to a VS; a VS delivers a charge agency result, etc. to a URL POS; or a URL POS delivers a charge agency result, etc. to a user. The charge agent method ( FIG. 24 ) can include the above steps and other steps. 
     In the charge agent system ( FIG. 23 ) or the charge agent method ( FIG. 24 ), the URL vault (the outside of the URL medium) can hold the money, using a medium (URL medium) and the Internet. 
     In the situation of  FIGS. 23 and 24 , a convenience store, etc. can receive cash, etc. The convenience store can support charging. 
     &lt;A Offline Coupon Charge System. Offline Charging Using Coupons Generated by Transactions, Etc., Refer to  FIGS. 25 and 26 &gt; 
     A URL medium that can store a vault URL, etc., or deliver a vault URL to a URL POS. 
     A URL POS that can receive a coupon charge request, etc. from a user, receive a vault URL from a URL medium, connect to a VS in response to a vault URL, deliver a URL POS info or coupon charge request, etc. to a VS, or deliver a coupon charge result, etc. received from a VS to a user. 
     A VS that can connect to a URL POS in response to a vault URL, receive a URL POS info or coupon charge request, etc. from a URL POS, deliver a coupon to a URL vault, or deliver a coupon charge result, etc. to a URL POS. 
     A URL vault that can collect a coupon (money). The offline coupon charge system ( FIG. 25 ) can include the URL medium, the URL POS, the VS, and the URL vault, etc. 
     Step a) in which a URL POS receives a coupon charge request, etc. from a user, receives a vault URL from a URL medium, connects to a VS in response to a vault URL, or delivers a URL POS info or coupon charge request, etc. to a VS. 
     Step b) in which a VS connects to a URL POS or delivers a coupon to a URL vault. 
     Step c) in which a URL vault collects a coupon. 
     Step d) in which a VS delivers a coupon charge result, etc. to a URL POS; or a URL POS delivers a coupon charge result, etc. to a user. The offline coupon charge method ( FIG. 26 ) can include the above steps and other steps. 
     In the offline coupon charge system ( FIG. 25 ) or the offline coupon charge method ( FIG. 26 ), the URL vault (the outside of the URL medium) can hold the money (coupon), using a medium (URL medium) and the Internet. 
       FIGS. 25 and 26  are useful for using a charging service by using coupons generated in offline transactions. The coupon charge request can include coupons generated in transactions. 
     &lt;A Online Coupon Charge System. Online Charging Using Coupons Generated by Transactions, Etc., Refer to  FIGS. 27 and 28 &gt; 
     A URL medium that can store URL medium info, etc., or deliver a URL medium info to a user. 
     A TD that can deliver ‘the coupon charge request including a URL medium info, etc. received from a user’, etc. to a SS, or deliver a coupon charge result, etc. to a user. 
     A SS that can receive a coupon charge request, etc. from a TD, connect to a VS or vault site in response to a URL medium info, deliver a SS info or coupon charge request, etc. to a VS, or deliver a coupon charge result, etc. received from a VS to a TD. 
     A VS that can connect to a SS in response to a URL medium info, receive a SS info or coupon charge request, etc. from a SS, deliver a coupon to a URL vault, or deliver a coupon charge result, etc. to a SS. 
     A URL vault that can collect a money. The online coupon charge system ( FIG. 27 ) can include the URL medium, the TD, the SS, the VS, and the URL vault, etc. 
     Step a) in which a TD delivers a ‘coupon charge request including URL medium info, etc.’, etc. received from a user to a SS. 
     Step b) in which a SS connects to a VS or vault site in response to a URL medium info, or delivers a SS info or coupon charge request, etc. to a VS. 
     Step c) in which a VS connects to a SS or delivers money to a URL vault. 
     Step d) in which a URL vault collects money. 
     Step e) in which a VS delivers a coupon charge result, etc. to a SS. 
     Step f) in which a SS delivers a coupon charge result, etc. to a TD. Or step g) in which a TD delivers a coupon charge result to a user. The online coupon charge method ( FIG. 28 ) can include the above steps and other steps. 
     In the online coupon charge system ( FIG. 27 ) or the online coupon charge method ( FIG. 28 ), the URL vault (the outside of the URL medium) can hold the money (coupon), using a medium (URL medium) and an internet site (vault site). 
     A coupon charge request can include a URL medium info, or coupon, etc. 
       FIGS. 27 and 28  are useful for using charging services by using coupons generated in online transactions. 
     (A URL medium payment process) In a payment request process, “a URL medium payment process” delivers a vault URL or related information to a VS through the Internet. In user check process, a URL medium payment process checks a user with a vault URL or a vault URL-PWD, etc.. In remittance process, a URL medium payment delivers money from a URL vault to a collection account. 
     &lt;About the Terms of the Described Technology&gt; 
     (URL medium) A URL medium is a kind of medium storing a vault URL. A URL medium-B or a URL medium-S is a kind of URL medium. A URL medium-B&#39;s vault URL-B and a URL medium-S&#39;s vault URL-S are different. 
     A URL medium can further store URL medium info, or representative electronic information, etc. For a URL medium, vault URL-PWD or others can be set. A URL medium does not store money internally, and can provide a vault URL, URL medium info, or representative electronic information, etc. to the outside. A URL medium can support access to a VS or a vault site, pay with money of a URL vault, or charge money to a URL vault. A URL medium does not store a vault URL-PWD internally, does not have a function to check a vault URL-PWD, or can be used in conjunction with a collection account when collecting money. A URL medium does not store ‘a CC-info ’ or ‘a QR code’. 
     (URL medium info, Representative electronic information) URL medium info is non-electronic information (e.g., serial number, etc.) corresponding to a URL medium or a vault URL, or can be displayed on the surface of a URL medium, etc.. URL medium info can support connecting to a VS or a vault site. Representative electronic information is electronic information (e.g., serial number, etc.) corresponding to a URL medium or a vault URL. Representative electronic information can support access to a VS or a vault site. 
     (User) A user owns a URL medium and a user-B owns a URL medium-B. 
     (URL vault) A URL vault can store money corresponding to a URL medium. Examples of a URL vault can include a bank account or a coupon store, etc. 
     A URL vault can charge money or transfer money or balance information, etc. to the outside. 
     (Vault site) A vault site is an interne site that can support paying with money of a URL vault or charging money into a URL vault. A vault site-B or a vault site-S is a kind of vault site. 
     A vault site can support an access of a vault URL, URL medium info, or representative electronic information. A vault site can support a vault URL-PWD, can support logging in with a vault URL or a vault URL-PWD, etc., can support various transactions, charging, or additional services, etc., and can include advertisements. 
     (VS=Vault Server) A VS is a kind of web server that supports paying with money of a URL vault or charging money into a URL vault. A VS can exercise overall control everything needed for payment or charging. 
     A VS can provide a vault site or additional services, store a vault URL-PWD, and determine login with a vault URL or a vault URL-PWD, etc. A VS can execute “payment request process”, “user check process”, and “remittance process”, can support various transactions or charging, etc., and can communicate with an external server, etc. A VS can receive money (coupon, etc.) from outside, and charge money into a URL vault, etc. 
     (Vault URL) A vault URL is a kind of URL that can support connecting to a VS or a vault site. A vault URL-B or a vault URL-S is a kind of vault URL. 
     A vault URL can support access to other things, and can include representative electronic information, etc. A vault URL can be stored in a URL medium in the form of electronic information or images, etc., and can be used as a user ID. A vault URL can be used with a vault URL-PWD, etc., and can also be used when collecting money. 
     (Money supplier) A money supplier can supply money, etc. to a URL vault, etc.. A money supplier includes a bank account, a securities account, a credit card, a collection account, or a VS, etc. One URL vault can be a money supplier for another URL vault. 
     A money supplier can automatically transfer money to a URL vault, etc. 
     (Collection account) A collection account can receive money, etc. A collection account includes a bank account, etc., and a collection account-S is a collection account corresponding to a vault URL-S. 
     (TD=Terminal Device) A TD is a terminal device that has functions to communicate with a URL medium, communicate information with a user, connect to the Internet, or other functions. 
     A smart phone is a representative TD, and a PC, a wall pad, or a TV with a device capable of communicating with a URL medium can also be a TD. 
     A TD of the described technology does not require a USIM or a app. One TD can connect to a sales site (SS) and another TD can connect to a VS or a vault site for payment, and can act as a URL POS. 
     (TD info or TD information) TD info is information held by a TD, such as a TD&#39;s IP, a OS serial number, a MAC address, or an International Mobile Equipment Identity (IMEI). TD info can be transmitted to the outside, or can be used as information to confirm a TD, or a user, etc. 
     (URL POS) A URL POS or a URL POS system is a store sales system or a point-of-sale information management system that can manage sales information, etc., consisting of sales devices, or sales functions, etc. The URL POS can consist of an ordering device, a charging device, a credit card payment device, a device that communicates with a URL medium, a balance check device (a device that checks a balance of a URL vault), or a management computer. The URL POS can include a SS(=Sales Server) or an operating software. The URL POS can include a ticket machine, a washing machine, or a car wash with a URL medium payment. 
     A URL POS can use internal menus or VS menus, and can deliver information of payment, charging, or system operating to a VS. 
     (URL POS info or URL POS information) A URL POS info is information that a URL POS holds, such as a URL POS IP, a OS serial number, a MAC address, or a device identification information (IMEI: International Mobile Equipment Identity). A URL POS info can be transmitted to the outside, or can be used as information to check a URL POS or an operator of the URL POS. 
     (Money) Money has economic value. Money can include a coupon, etc. issued by a VS, or a SS, etc. 
     (Vault URL-PWD) A vault URL-PWD is secret information that can support the payment with money of a URL vault or charging money into a URL vault. A vault URL-PWD can be set in association with a URL medium, a vault site, or a vault URL, etc. 
     A vault URL-PWD can be remembered by a user, used as login information, and used as information to confirm a user. 
     (Vault URL-PWD check result) A vault URL-PWD check result is a result of checking a vault URL-PWD, or a vault URL, TD info, etc. 
     (Comparison between a CCC server and a app server and a VS) A CCC server is composed of a CCP server that supports “payment request process” and “remittance process” in response to CC-info, and a CCW server that supports “user check process” in response to CC-URL. A CCC server supports payment with money of a CC Account. A CCC server does not support charging. A app server is a kind of app server that supports an app&amp;SP or an app, recognizes a QR code as an user ID, pays with money of an App&amp;SP account , and supports charging money into an App&amp;SP account. A VS is a kind of web server that supports a URL medium, or a vault site, etc., pays with money of a URL vault, and charges money into a URL vault. 
     An order # is a number representing an order. An order # can be used for designating order details, etc. 
     Order details can include item information or price information, etc.. The order details can be included in a payment request. 
     An order confirmation confirms order details, etc., and can include relevant information. 
     A payment reservation is to make a reservation for payment. The payment reservation can include related information. 
     A payment request is a request for payment with money of a URL vault, and can include related information. 
     A payment request can include URL medium info, representative electronic information, or order details, etc.. The payment request does not include a CC-info or a QR code. 
     A payment order is an order to pay with money of a URL vault, and can include related information. 
     A payment order result is a result of executing a payment order, and can include related information. 
     A payment result is a result of executing a payment request, can include related information, and can be delivered through a vault site or a text message. 
     A charge request is a request to charge money into a URL vault, can include related information (URL medium info, representative electronic information, or money information, etc.), and can be automatically executed by presetting. 
     A charge result is a result of charging, can include related information, and can be delivered through a vault sites or a text message. 
     A charge order is an order to charge money into a URL vault, and can include related information. 
     A charge order result is a result of executing a charge order and can include related information. 
     A charge agency request is a request for a third party to charge money into a URL vault, and can include “delivering money to the third party” and include related information. 
     A charge agency result is a result of executing a charge agency request, can include related information, and can be delivered through a vault site or a text message. 
     For the same purpose, the second access can occur after the first access. 
     A access order is an order to access, and can include related information. 
     A sales site is an internet site that sells goods or services, etc. 
     An advertisement means all information or contents other than information related to payment or charging. 
     (Features and advantages of a URL medium payment) a) A URL medium payment stores money to a URL vault. b) A URL medium payment can deliver a vault URL or information, etc. to a vault site or a VS in “payment request process”. c) A URL medium payment can deliver a vault URL-PWD, etc. to a VS in “user check process”. d) A URL medium payment transfers money of a URL vault to a collection account in “remittance process” e) In a URL medium payment, “payment request process” and “user check process” can be exchanged. f) Since a URL medium payment uses only one type of information (vault URL), the production cost of medium (URL medium) is low. g) In a URL medium payment, a payment request path and a user check path are different, but the information (a vault URL) on the path used is the same. h) A URL medium can charge money to a URL vault. i) A URL medium payment can support various transactions. j) For URL medium payments, the commission is cheap or there is no commission. k) A URL medium payment can structurally prevent hacking.  1 ) For URL medium payment, a balance is protected even if a URL medium is lost. m) A URL medium payment is advantageous in creating added value using an internet site because the entire payment process (“payment request process”, “user check process” and “remittance process”) uses an internet site. n) A URL medium payment can support payment without a user&#39;s smart phone. o) For a URL medium payment, there is no information leakage even if a smart phone is lost. p) A URL medium payment can reflect changes in service or content in real time. q) A URL medium payment does not require a credit card system or an app. 
     Explanation of the Sign 
       110 - 1 ,  110 - 2 ,  110 - 3 ,  110 - 4 : RF card (Medium for RF Card Payment) 
       120 - 1 ,  120 - 2 ,  120 - 3 ,  120 - 4 : User 
       130 - 1 ,  130 - 2 : RF Card Charger 
       140 - 3 ,  140 - 4 : RF Card Payment Machine 
       210 ,  310 : URL-NFC-CC (=Medium for URL-NFC-CC payment) 
       220 ,  320 : User 
       230 ,  330 : CC POS 
       240 ,  340 : TD 
       250 ,  350 : CCC Server(=CCP Server +CCW Server) 
       270 ,  370 : Collection Account 
       280 ,  380 : CC Account 
       410 - 1 ,  410 - 2 : App&amp;SP (=Medium for App&amp;SP Payment) 
       420 - 1 ,  420 - 2 : User 
       430 - 1 ,  430 - 2 : App POS 
       450 - 1 ,  450 - 2 : App Server 
       470 - 1 ,  470 - 2 : Collection Account 
       480 - 1 ,  480 - 2 : App&amp;SP Account 
       510 ,  610 ,  710 ,  810 ,  910 ,  1010 ,  1110 ,  1210 ,  1310 ,  1410 ,  1510 B,  1510 S,  1610 B,  1610 S,  1710 B,  1710 S,  1810 B,  1810 S,  1910 ,  2010 ,  2110 ,  2210 ,  2310 ,  2410 ,  2510 ,  2610 ,  2710 ,  2810 : URL Medium, or URL Medium-B, or URL Medium-S 
       520 ,  620 ,  720 ,  820 ,  920 ,  1020 ,  1120 ,  1220 ,  1320 ,  1420 ,  1520 B,  1620 B,  1720 B,  1820 B,  1920 ,  2020 ,  2120 ,  2220 ,  2320 ,  2420 ,  2520 ,  2620 ,  2720 ,  2820 : User, or User-B 
       530 ,  630 ,  730 ,  830 ,  930 ,  1030 ,  1130 ,  1230 ,  1330 ,  1430 ,  1930 ,  2030 ,  2330 ,  2430 ,  2530 ,  2630 ,  2730 ,  2830 : URL POS or SS 
       740 ,  840 ,  940 ,  1040 ,  1140 ,  1240 ,  1340 ,  1440 ,  1540 ,  1640 ,  1740 ,  1840 ,  2140 ,  2240 ,  2740 ,  2840 : TD 
       550 ,  650 ,  750 ,  850 ,  950 ,  1050 ,  1150 ,  1250 ,  1350 ,  1450 ,  1550 ,  1650 ,  1750 ,  1850 ,  2150 ,  2250 ,  2350 ,  2450 ,  2550 ,  2650 ,  2750 ,  2850 : VS 
       2160 ,  2260 ,  2360 ,  2460 : Money Supplier 
       570 ,  670 ,  770 ,  870 ,  970 ,  1070 ,  1170 ,  1270 ,  1370 ,  1470 ,  1570 S,  1670 S,  1770 S,  1870 S: Collection Account, or Collection Account-S 
       580 ,  680 ,  780 ,  880 ,  980 ,  1080 ,  1180 ,  1280 ,  1380 ,  1480 ,  1580 B,  1680 B,  1780 B,  1880 B,  2180 ,  2280 ,  2380 ,  2480 ,  2580 ,  2680 ,  2780 ,  2880 : URL vault, or URL vault-B