free A clearing commission free system

According to the present invention, in a clearing commission-free system, if a purchaser presents a payment method including a QR code (610), a bar code (620), and a card (630) after making a purchase of an item, a seller reads the payment method including the QR code (610), the bar code (620), and the card (630) presented by the purchaser by using a seller smartphone (200). Therefore, the seller smartphone (200) transmits a seller bank account, the payment method including the QR code (610), the bar code (620), and the card (630) and a transfer amount to a payment server (100). The payment server (100), if the payment method is the card (630), receives a purchaser bank account by requesting a bank (500) for a bank account interconnected with the card (630) through a credit card company (340), and, if the payment method is the QR code (610) and the bar code (620), the payment server requests the bank (500) of the purchaser bank account for an account transfer including withdrawal (purchaser bank account), deposit (seller bank account), transfer amount (payment for purchase) by using the purchaser bank account embedded in the QR code (610) and the bar code (620). The bank (500) of the purchaser bank account reports a result of the account transfer to the payment server (100). According to the clearing commission-free system, a payment is settled without a clearing commission for the card (630) by using an account transfer of the bank (500) without credit card payment. 본 발명에 따른 결제 수수료 free 시스템은 구매자가 물품을 구매하고 결제수단(QR코드(610),바코드(620),카드(630)) 제시하면 판매자는 판매자스마트폰(200)을 이용하여 구매자가 제시한 결제수단(QR코드(610),바코드(620),카드(630))을 리드하여, 판매자스마트폰(200)은 판매자 은행계좌, 결제수단(QR코드(610),바코드(620),카드(630)), 이체금액을 결제서버(100)로 송신 한다 결제서버(100)는, 결제수단이 카드(630)이면 카드사(340)로 구매자 카드(630)와 연계된 은행계좌를 은행(500)에 요청하여 구매자 은행계좌를 받고, 결제수단이 QR코드(610), 바코드(620)이면 QR코드(610), 바코드(620)에 내장된 구매자 은행계좌를 이용하여, 구매자 은행계좌의 은행(500)으로 계좌이체[출금(구매자 은행계좌), 입금(판매자 은행계좌), 이체금액(물품대금)]를 요청한다. 구매자 은행계좌의 은행(500)은 계좌이체 결과를 결제서버(100)로 통보한다. 카드결제 없이 은행(500)의 계죄이체를 이용하여 카드(630) 결제 수수료 없이 결제 대금을 정산하는 결제 수수료 free 시스템에 관한 것이다.