WO2014030798A1 - Server and credit card payment method in server - Google Patents

Description

Server and credit card payment method on the server

The present invention relates to a credit card payment technology, and more particularly, to determine the payment currency of the product sales site to the user-centered, to provide the price of the goods for sale based on the determined payment currency, selected based on the determined payment currency It relates to a credit card payment technology that can perform a payment for a product.

When purchasing a product at a product sales site operated overseas and paying with a credit card, payment is charged to the issuer of the credit card used through an international brand company's payment network such as VISA.

At this time, the operating currency of the product sales site and the currency of the country to which the card issuer belongs may be different. In this case, the exchange rate applied by the credit card issuer at the time of charge of the credit card payment is different from the time of use of the credit card, so that a different amount of money may be charged by the card user. In addition, some card issuers may charge additional fees such as overseas fees. As a result, there is a high possibility that complaints may be made from the card user regardless of the intention of the product sales site operator.

In addition, it is common for a product selling site operated overseas to provide the price of the sold product only in the operating currency of the product selling site, which is often inconvenient for the card user.

The technical problem to be solved by the present invention is a network address corresponding to a credit card user connected to a merchandise sales site, the location-related information of the user terminal received from the user terminal, the selection of the credit card user, or a credit card identification number The present invention provides a server capable of determining a payment currency based on a credit card user and a credit card payment method in the server.

Another technical problem to be solved by the present invention is to provide a server capable of providing a price of a product sold at a product selling site in a settlement currency determined by a credit card user, and a credit card payment method in the server.

Technical problems to be achieved by the present invention are not limited to the above-mentioned technical problems, and other technical problems not mentioned above will be clearly understood by those skilled in the art from the following description. Could be.

The server according to the present invention for solving the above technical problem, the memory for storing the exchange rate information and the currency information of each country operating currency of the product sales site; A communication unit performing a communication function with a user terminal; And determining a currency of a country to which a network address of the user terminal is allocated as a first payment currency, and calculating a first payment amount for a product selected based on the first payment currency and the exchange rate information in the first payment currency. And a control unit for providing a credit card payment user interface displaying the first payment amount to the user terminal.

On the other hand, the controller may provide a user interface for selecting a payment currency for the selected product to the user terminal. In addition, the controller may determine the payment currency based on the identification number of the credit card that is input to the user interface provided to the user terminal.

In addition, when the payment currency for the selected product is determined, the controller may provide a price for the products sold in the product sale site in the determined payment currency.

Credit card payment method in the server according to the present invention for solving the technical problem, the step of storing the exchange rate information and the currency information of each country for the operating currency of the product sales site; Obtaining a network address of a user terminal connected to the product selling site; Determining a currency of a country to which a network address of the user terminal is allocated as a first settlement currency; Calculating a first payment amount for the selected product in the first payment currency based on the first payment currency and the exchange rate information; And providing the user terminal with a credit card payment user interface displaying the first payment amount.

On the other hand, the credit card payment method at the server may further include providing a user interface to the user terminal for selecting a payment currency for the selected product. In addition, the credit card payment method at the server may further comprise the step of determining the payment currency based on the identification number of the credit card input to the user interface provided to the user terminal.

In addition, the credit card payment method in the server may further include providing a price for the products sold in the product sales site in the determined payment currency if the payment currency for the selected product is determined.

The server according to another embodiment of the present invention for solving the technical problem, the memory for storing the exchange rate information and the currency information of each country operating currency of the commodity sales site; A communication unit performing a communication function with a user terminal; And receiving location related information of the user terminal through the communication unit, determining a country corresponding to the user terminal based on the received location related information, and determining the currency of the determined country as a payment currency for the selected product. It may include a control unit.

According to the server according to the present invention and the credit card payment method in the server, the payment call to the product sales site is a network address corresponding to the credit card user, the location-related information of the user terminal received from the user terminal, the credit card user May be determined centered on the credit card user based on the selection of the number of credit cards, or the credit card identification number.

According to the server according to the present invention and the credit card payment method in the server, the price of the goods sold at the product sales site may be provided in a payment currency determined by the credit card user.

1 is a block diagram of a credit card payment system according to the present invention.

2 is a block diagram of a merchandise sales site management server according to the present invention.

3 is a flowchart illustrating an example of a credit card payment method performed in a merchandise sales site management server according to the present invention.

4 illustrates a user interface for credit card payment according to the card payment method shown in FIG.

5 is a flowchart illustrating another example of the credit card payment method performed in the merchandise sales site management server according to the present invention.

FIG. 6 illustrates that a product price provided by a product selling site is displayed in a determined settlement currency according to the credit card settlement method illustrated in FIG. 5.

7 is a flowchart illustrating still another example of the credit card payment method performed in the merchandise sales site management server according to the present invention.

8 illustrates an example in which a payment currency of a product selling site is determined according to the credit card settlement method shown in FIG. 7.

9 is a flowchart illustrating still another example of the credit card payment method performed in the merchandise sales site management server according to the present invention.

FIG. 10 illustrates an example in which a user interface for inputting a credit card identification number is provided to a user terminal according to the credit card payment method shown in FIG. 9.

FIG. 11 is a flowchart illustrating an example of a step in which a payment currency of a product selling site is determined based on a credit card identification number in the credit card settlement method shown in FIG. 9.

12 is a diagram for explaining that a credit card identification number is used to determine a settlement currency of a merchandise sales site.

13 is a flowchart illustrating still another example of the credit card payment method performed in the merchandise sales site management server according to the present invention.

14 is a flowchart illustrating an example of the credit card settlement method illustrated in FIG. 13.

15 is a flowchart illustrating another example of the credit card settlement method illustrated in FIG. 13.

In order to fully understand the present invention, the operational advantages of the present invention, and the objects attained by the practice of the present invention, reference should be made to the accompanying drawings which illustrate preferred embodiments of the present invention and the contents described in the accompanying drawings.

In the present specification, when one component 'transmits or transmits' data or a signal to another component, the component may directly transmit or transmit the data or signal to the other component, and at least one It means that the data or signal can be transmitted to the other component through another component. In addition, the suffixes "module" and "unit" for the components used in the following description are given or mixed in consideration of ease of specification, and do not have distinct meanings or roles from each other.

The above objects, features and advantages of the present invention will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Like numbers refer to like elements throughout. In addition, when it is determined that the detailed description of the known function or configuration related to the present invention may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a block diagram of a credit card payment system 10 according to the present invention. Through the credit card payment system 10, a cardholder (ie, a user) may perform a credit card payment at a product selling site.

The credit card payment system 10 includes a user terminal 100, a product sales site management server 200, a card issuer server 300, and a payment company server 400. A user accesses the product sales site management server 200 through the user terminal 100. The user terminal 100 described herein may be a personal computer (PC) including a main body 110 and a monitor 120 as shown in FIG. 1, and may be a mobile phone, a smart phone, a notebook computer. (laptop computer), smart TV and the like. However, the scope of the present invention is not limited thereto.

The merchandise sales site management server 200 may obtain a network address of the user terminal 100 and determine a settlement currency of merchandise sold at a merchandise sales site based on the obtained network address. Here, the network address of the user terminal 100 may be an IP (Internet Protocol) address of the user terminal 100. In addition, the network address of the user terminal 100 may be a media access control (MAC) address of the user terminal 100.

In addition, the product sales site management server 200 may provide a user interface for selecting a payment currency to the user terminal 100. In addition, the product sales site management server 200 may provide the user terminal 100 with a user interface for inputting a credit card identification number. When credit card identification information is input through the user interface, the merchandise sales site management server 200 may determine a payment currency based on the credit card identification information.

The product sales site management server 200 may perform a payment process for a product selected by a user in the product selling site in the determined payment currency. That is, the product sales site management server 200 calculates the payment amount for the selected product, and provides the user terminal 100 with a credit card payment user interface displaying the calculated payment amount. Can be.

When the payment approval request of the user is received through the credit card payment user interface, the merchandise sales site management server 200 issues the card to approve the selected product with a payment amount calculated in the determined payment currency. Request to the server 300. The payment company server 400 may receive the payment price based on the payment amount calculated in the determined payment currency from the card issuer server 300, and may pay the product sales price to the account of the product sales entity.

In addition, the product sales site management server 200 may provide a price for products sold to the product sales site management server 200 in the determined settlement currency. At this time, the product sales site management server 200 may provide the price of the products sold in the operating currency of the product selling site and the determined payment currency.

2 is a block diagram of a merchandise sales site management server 200 according to the present invention. 2, the merchandise sales site management server 200 includes a memory 210, a communication unit 220, and a control unit 230.

The memory 210 stores exchange rate information, currency information, and the like of an operating currency of a product selling site. In addition, the memory 210 may store various application programs as well as an operating system for controlling the overall operation of the merchandise sales site management server 200. In addition, the memory 210 may store various data related to merchandise sales, such as member sales related information and product related information sold at the merchandise sales site.

The communication unit 220 may perform a communication function with external devices such as a user terminal 100 and a card issuer server 300 connected to the product selling site. The controller 230 controls the overall operation of the merchandise sales site management server 200.

For example, the payment currency of the product selling site may be determined based on at least one of a network address of the user terminal 100 accessing the product selling site, a user's selection, and an identification number of the user's credit card. When the payment currency is determined, the controller 230 may provide a price of the product sold at the product digging site in the determined currency. In this case, the controller 230 may provide the price and exchange rate information of the product sold in the product selling site in the operating currency of the existing product selling site together with the price of the product provided in the determined currency. Hereinafter, with reference to FIGS. 3 to 12, a detailed example of a credit card payment method performed in the merchandise sales site management server 200 will be described.

3 is a flowchart illustrating an example of a credit card payment method performed in the merchandise sales site management server 200 according to the present invention. Hereinafter, the credit card payment method will be described with reference to necessary drawings.

First, the memory 210 of the merchandise sales site management server 200 stores operating currency at the merchandise sales site, exchange rate information of other currencies, and currency information of each country (S100). Such information may be stored in the memory 210 in the initial setting step of the product sales site management server 200, and is then updated based on the exchange rate information that is changed.

When the product selling site is connected to the product selling site, the controller 230 obtains a network address of the product selling site (S110). Then, the control unit 230 determines a payment currency for the payment of the product selected by the user based on the network address of the product sales site (S120).

For example, the operating currency of the commodity sales site is US dollar, but when the network address of the commodity sales site is assigned to Korea, the controller 230 may determine the Korean won as the settlement currency for the commodity sales site. This is because a user who accesses the product sales site through a user terminal 100 having a network address assigned to Korea in general is more likely to have a credit card issued by a Korean credit card issuer.

When the settlement currency is determined, the controller 230 calculates the settlement amount for the product selected by the user in the determined settlement currency based on the determined settlement currency and exchange rate information stored in the memory 210 (S130). The user interface displaying the settled payment amount is provided to the product selling site (S140).

Then, a payment approval request for the selected product of the user is received through the user interface (S150). Then, the controller 230 requests the card issuer server 300 to approve the selected product (S160).

FIG. 4 illustrates a user interface for credit card payment according to the credit card payment method shown in FIG. 3. For reference, FIG. 4 is a payment user interface provided through the user terminal 100 when a user terminal 100 having a network address assigned to Korea is connected to a product sales site using US dollars as an operating currency. .

Referring to FIG. 4, it can be seen that the user interface displays a product selected by the user, a quantity selected by the genitals, a price 110A of the selected product, a credit card input area for payment, and the like. In particular, it can be seen that the price of the selected product is displayed in US dollars, which is the operating currency of the original product sales site, and also in Korean won.

As described above with reference to FIGS. 3 and 4, according to the server 200 and the credit card payment method of the server 200 according to the present invention, the user is based on a network address assigned to the user terminal 100. A card payment service at a product selling site may be provided in a settlement currency determined by the user.

5 is a flowchart illustrating another example of the credit card payment method performed in the product sales site management server 200 according to the present invention. Hereinafter, the credit card payment method will be described with reference to necessary drawings.

First, a payment currency for a product selling site is determined according to steps S100 to S120 shown in FIG. 3. Then, the control unit 230 of the merchandise sales site management server 200 converts the price of the merchandise sold at the sales site into the determined currency (S200). Then, the controller 230 provides the user terminal 100 with the price of the goods converted into the determined currency (S210). In this case, the controller 230 may provide the user terminal 100 with the price of the sold product in the original operating currency of the product selling site.

FIG. 6 illustrates that a product price provided by a product selling site is displayed in a determined settlement currency according to the credit card settlement method illustrated in FIG. 5. For reference, FIG. 6 illustrates a case in which the user terminal 100 accesses a commodity sales site in which the US dollar is the operating currency through a network address assigned to Korea.

Referring to FIG. 6, the merchandise sales site management server 200 provides a price of a merchandise provided by the merchandise sales site in US dollars, which is the original operating currency, and based on a network address of the user terminal 100. It can be seen that also provided in the determined Korean Won (110B).

As described with reference to FIGS. 5 and 6, according to the server 200 and the credit card payment method of the server 200 according to the present invention, the user is based on a network address assigned to the user terminal 100. The shopping through the product selling site may be performed while checking the price of the product converted into the settlement currency determined by the user.

7 is a flowchart illustrating still another example of the credit card payment method performed in the merchandise sales site management server 200 according to the present invention. Hereinafter, the credit card payment method will be described with reference to necessary drawings.

First, the memory 210 of the merchandise sales site management server 200 stores exchange rate information and currency information for each currency of the merchandise sales site (S300). Then, the control unit 230 of the product sales site management server 200 provides a user interface for selecting a payment currency to the user terminal 100 connected to the product sales site (S310).

When a specific currency is selected through the user interface, the controller 230 determines the selected currency as a payment currency for the product selling site (S320), and based on the determined payment currency and exchange rate information, the product selling site. In operation S330, the price of goods sold in the service may be converted into the determined payment currency and provided to the user terminal 100.

Then, the controller 230 recognizes the user's selection of the specific product to be purchased from among the products sold by the user at the product selling site (S340). Then, the controller 230 provides a payment user interface for the selected product to the user terminal 100 (S350).

8 illustrates an example in which a payment currency of a product selling site is determined according to the credit card settlement method shown in FIG. 7. For reference, FIG. 8 illustrates an example of selecting a settlement currency in a commodity sales site in which the US dollar is the operating currency.

8A illustrates that the control unit 230 of the merchandise sales site management server 200 provides the user terminal 100 with a pop-up window 110C for selecting a payment currency. As shown in FIG. 8A, the user moves the mouse cursor to the pop-up window 110C and then clicks the mouse.

Then, as shown in FIG. 8B, the controller 230 provides the user terminal 100D with a user interface 110D capable of selecting US dollars, Japanese yen, Korean won, etc. as a settlement currency. It can be seen that.

As described with reference to FIGS. 7 and 8, according to the server 200 and the credit card payment method in the server 200 according to the present invention, a user may directly select a payment currency in a product selling site.

9 is a flowchart illustrating still another example of the credit card payment method performed in the merchandise sales site management server 200 according to the present invention. Hereinafter, the credit card payment method will be described with reference to necessary drawings.

First, the payment currency of the product sales site is determined based on the network address of the user terminal 100 according to the credit card payment method shown in FIG. 3 (S400). After the first payment currency of the product selling site is determined, the control unit 230 of the product selling site management server 200 provides a user interface for inputting a credit card identification number to the user terminal 100 (S410). .

For example, when the user terminal 100 accesses the product sales site, the controller 230 may provide the user terminal 100 with a user interface including a credit card identification number input box. In addition, the controller 230 provides a pop-up window for inducing a credit card identification number input, similar to that shown in FIG. 8, and when a user's selection of the pop-up window is performed, the credit card identification is performed. A pop-up window including a number input box may be provided to the user terminal 100. In addition, the controller 230 may use the credit card payment user interface illustrated in FIG. 4 as a user interface for inputting the credit card identification number.

That is, the controller 230 determines the final point of time at the time selected by the user or the product selected by the user while the user terminal 100 accesses the product selling site while the user is browsing the product selling site. In the step, a user interface for inputting the credit card identification information may be provided to the user terminal 100.

Referring back to FIG. 9, when a credit card identification number is received through the user interface, the controller 230 determines a second payment currency of the merchandise sales site based on the received credit card identification number (S420). ). When the second payment currency is determined, the controller 230 determines whether the second payment currency is the same as the first payment currency (S430).

If the second payment currency is the same as the first payment currency, the controller 230 performs a payment for the product selected as the first payment currency without changing the payment currency (S440). However, if the second payment currency is different from the first payment currency, the controller 230 performs a payment for the product selected in the second payment currency (S450). This is because the second payment currency determined based on the credit card identification number input by the user is more accurate than the first payment currency determined based on the network address of the user terminal 100, and is a currency that is more accurate and consistent with the intention of the user. Because.

Meanwhile, the payment process based on the first payment currency or the second payment currency for the selected product may be easily derived based on the embodiments described above by the person skilled in the art, and a detailed description thereof will be omitted.

FIG. 10 illustrates an example in which a user interface for inputting a credit card identification number is provided to the user terminal 100 according to the credit card payment method illustrated in FIG. 9. For reference, FIG. 10 shows that the credit card identification number input box 110E is provided to the user terminal 100 while the user terminal 100 accesses the product sales site.

The user may enter a credit card identification number into the credit card identification number input field 110E as soon as the user accesses the product sales site, and inputs the credit card identification number into the input field at a specific point in time after accessing the product sales site. It can also be entered at 110E. That is, the determination time of the second payment currency based on the credit card identification number received through the input box 110E may be selected by the user.

Although not shown in FIGS. 9 and 10, when the second payment currency is determined based on the credit card identification number, the controller 230 sets the price of the products sold at the product selling site. Can be provided in currency.

FIG. 11 is a flowchart illustrating an example of a step (S420) of determining a payment currency of a merchandise sales site based on a credit card identification number in the credit card settlement method illustrated in FIG. 9. Hereinafter, the payment currency determination step will be described with reference to necessary drawings.

The credit card identification number is obtained through the user interface provided to the user terminal 100 (S421). Then, the control unit 230 extracts the BIN of the credit card from the credit card identification number (S422).

Here, the BIN (Bank Identification Number) of the credit card means a number from the first to sixth digits of the credit card identification number. The BIN of the credit card contains information on whether the card is issued by which card company in which country, and whether the card member is general, gold, individual or corporation.

When the BIN of the credit card is extracted, the controller 230 determines the issuer of the credit card based on the BIN of the credit card (S423), and exchanges the currency of the country to which the issuer of the credit card belongs. Determine the payment currency of (S424).

12 is a diagram for explaining that a credit card identification number is used to determine a settlement currency of a merchandise sales site.

12, it can be seen that the credit card 500 is marked with a 16-digit credit card identification number 510. The merchandise sales site management server 200 according to the present invention may determine the settlement currency of the merchandise sales site based on the information included in the first 6 BIN 520 of the identification number 510.

13 is a flowchart illustrating still another example of the credit card payment method performed in the merchandise sales site management server 200 according to the present invention. Hereinafter, the credit card payment method will be described with reference to necessary drawings.

First, exchange rate information and currency information of each country is stored in the memory 210 of the server 200 (S500). Then, the location related information of the user terminal 100 is received from the user terminal 100 connected to the product sales site (S510).

Here, the location related information of the user terminal 100 may include information indicating the location of the user terminal 100 directly and information indicating the location of the user terminal 100 indirectly. For example, the location related information of the user terminal 100 may include location coordinates of the user terminal 100 and environment setting information of the user terminal 100 that may infer a country of use of the user terminal 100. Can be. However, the scope of the present invention is not limited thereto.

When the location related information of the user terminal 100 is received, the controller 230 determines a country corresponding to the user terminal 100 based on the location related information of the user terminal 100 (S520). Then, the control unit 230 determines the currency of the country corresponding to the user terminal 100 as the payment currency in the product sales site (S530).

14 is a flowchart illustrating an example of the credit card settlement method illustrated in FIG. 13. Hereinafter, the credit card payment method will be described with reference to necessary drawings.

First, exchange rate information and currency information of each country is stored in the memory 210 of the server 200 (S500). Then, the position coordinates of the user terminal 100 are received from the user terminal 100 connected to the product sales site (S511).

The location coordinates of the user terminal 100 may be GPS coordinates obtained by the GPS module. In addition, the position coordinates of the user terminal 100 may be obtained by indoor positioning technology such as infrared based, ultrasonic based, Bluetooth based. In addition, the position coordinate of the user terminal 100 may be obtained by CDMA-based, OFDM-based outdoor positioning technology. However, the scope of the present invention is not limited to the above examples.

When the location coordinates of the user terminal 100 are received, the controller 230 determines a country where the user terminal 100 is located based on the location related information of the user terminal 100 (S521). Then, the controller 230 determines the currency of the country where the user terminal 100 is located as the settlement currency at the product sales site (S531).

15 is a flowchart illustrating another example of the credit card settlement method illustrated in FIG. 13. Hereinafter, the credit card payment method will be described with reference to necessary drawings.

First, exchange rate information and currency information of each country is stored in the memory 210 of the server 200 (S500). Then, the environment setting information of the user terminal 100 is received from the user terminal 100 connected to the product sales site (S520). The environment setting information of the user terminal 100 may include a country of use of the user terminal 100, a language of use, a company providing a communication network used by the user terminal 100 (a country to which the company belongs), and the like. However, the scope of the present invention is not limited thereto.

When the environment setting information of the user terminal 100 is received, the controller 230 determines a country of use of the user terminal 100 based on the environment setting information of the user terminal 100 (S522). Then, the control unit 230 determines the currency of the country of use of the user terminal 100 as the payment currency at the product sales site (S532).

13 to 15, the controller 230 provides a user interface for selecting a payment currency to the user terminal 100 or a credit card used to determine a payment currency. A user interface for inputting an identification number may be provided to the user terminal 100.

Since the settlement currency of the product sales site is determined using the information obtained through the above-described user interfaces, and the settlement of the selected product using the determined currency has been described above, a detailed description thereof will be omitted. .

As described above, each of the credit card payment methods performed in the merchandise sales site management server 200 according to the present invention may be implemented in a program form that can be executed through various computer means and recorded in a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Programs recorded on the media may be those specially designed and constructed for the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts.

Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of programs include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above embodiments, and those skilled in the art to which the present invention pertains various modifications and variations from such descriptions. This is possible.

Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined not only by the claims below but also by the equivalents of the claims.

The server and the credit card payment method in the server can be used in the merchandise sales industry over the Internet.

Claims (20)

A memory for storing exchange rate information of the operating currency of the product selling site and currency information of each country; A communication unit performing a communication function with a user terminal; And Determine a currency of a country to which a network address of the user terminal is allocated as a first payment currency, calculate a first payment amount for a product selected based on the first payment currency and the exchange rate information, in the first payment currency; And a controller configured to provide a credit card payment user interface displaying the first payment amount to the user terminal. The method of claim 1, wherein the control unit, And when a payment approval request of the user is received through the user interface, requesting the credit card issuer to approve the selected product based on the first payment amount calculated in the first payment currency. The method of claim 1, wherein the control unit, When the first payment currency is determined, the server for providing a price for the goods sold in the product sales site in the first payment currency. The method of claim 1, wherein the control unit, And providing a user interface to the user terminal for selecting a second settlement currency for the selected product. The method of claim 4, wherein the control unit, If the second payment currency is selected through the user interface, the server for providing a price for the goods sold in the product sales site in the second payment currency. The method of claim 4, wherein the control unit, When the second payment currency is selected through the user interface, a second payment amount for the selected product is calculated in the second payment currency based on the second payment currency and the exchange rate information, and the second payment amount is calculated. And provide the displayed user interface for credit card payment to the user terminal. The method of claim 1, wherein the control unit, Determine a third payment currency based on an identification number of a credit card input through a user interface provided to the user terminal, When the first payment currency and the third payment currency are different from each other, a third payment amount for the selected product is calculated in the third payment currency based on the third payment currency and the exchange rate information, and the third payment is made. And providing the user terminal with a credit card payment user interface displaying the amount to the user terminal. The method of claim 7, wherein the control unit, Determine a credit card issuer based on a BIN (Bank Identification Number) of the credit card input through the user interface, and determine a currency of a country to which the credit card issuer belongs as the third payment currency; server. The method of claim 8, wherein the control unit, Upon receiving a payment approval request of the user through the credit card payment user interface based on the third currency, the credit card is granted to the selected product based on the third payment amount calculated in the third payment currency. Server characterized by requesting the issuer. The method of claim 8, wherein the control unit, If the third payment currency is selected, the server for providing a price for the goods sold in the product selling site in the third payment currency. Storing currency exchange rate information and currency information of each country in operation currency of a product selling site; Obtaining a network address of a user terminal connected to the product selling site; Determining a currency of a country to which a network address of the user terminal is allocated as a first settlement currency; Calculating a first payment amount for the selected product in the first payment currency based on the first payment currency and the exchange rate information; And And providing the user terminal with a credit card payment user interface displaying the first payment amount to the user terminal. The method of claim 11, wherein the credit card settlement method in the server comprises: And if the first settlement currency is determined, providing a price for the products sold in the merchandise sales site in the first settlement currency. The method of claim 11, wherein the credit card settlement method in the server comprises: Providing a user interface to the user terminal for selecting a second payment currency for the selected product; Calculating a second payment amount of the selected product in the second payment currency based on the second payment currency and the exchange rate information; And And providing the user terminal with a credit card payment user interface displaying the second payment amount to the user terminal. The method of claim 11, Determining a third payment currency based on an identification number of a credit card inputted to the user interface provided to the user terminal; Calculating a third payment amount for the selected product in the third payment currency based on the third payment currency and the exchange rate information when the first payment currency and the third payment currency are different from each other; And And providing the user terminal with a credit card payment user interface displaying the third payment amount to the user terminal. A memory for storing exchange rate information of the operating currency of the product selling site and currency information of each country; A communication unit performing a communication function with a user terminal; And Receiving the location related information of the user terminal through the communication unit, determining a country corresponding to the user terminal based on the received location related information, and determining the currency of the determined country as a payment currency for the selected product; Server comprising a control unit. The method of claim 15, wherein the location-related information of the user terminal, The server characterized in that the position coordinate information of the user terminal. The method of claim 15, wherein the location-related information of the user terminal, And location-related information included in configuration information of the user terminal. The method of claim 15, wherein the control unit, And providing a user interface for selecting a payment currency for the selected product to the user terminal, and if a payment currency is selected through the user interface, determining a payment currency for the selected product. The method of claim 15, wherein the control unit, And providing a user interface for inputting an identification number of a credit card to the user terminal, and determining a payment currency for the selected product based on the credit card identification number input through the user interface. The method of claim 19, wherein the control unit, Determine a credit card issuer based on a BIN (Bank Identification Number) of the credit card input through the user interface, and determine a currency of the country to which the credit card issuer belongs as a payment currency for the selected product; Server.

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