/ ONLINE/OFFLINE CASH PAY FINTECH SYSTEM AND METHOD RESTORING COMMISSION

摘要

Disclosed are an on/offline cash pay fintech system of a commission refund scheme and a method thereof. According to the present invention, the on/offline cash pay fintech system comprises: a store terminal for generating and providing a payment code for a sales product in real time or providing a previously generated code; a user terminal for directly receiving or reading the payment code provided in real time from the store terminal or transmitting a payment amount transfer request signal of the directly received or read payment code in real time; and a cash pay server for receiving the payment amount transfer request signal from the user terminal in real time, transferring a corresponding payment amount to a cash pay account or a financial account of a store from a cash pay account or a financial account of a corresponding user in real time in accordance with the real-time received payment amount transfer request signal, receiving a commission transfer request from the store terminal in real time, and transferring a corresponding commission to the cash pay account or financial account of the user from the cash pay account or the financial account of the corresponding store in real time in accordance with the real-time received commission transfer request.