본 논문에서는 Parlay X 웹서비스 기반의 소액 지불 서비스를 설계하였다. 설계 과정에서 블록 구조도와 소액 지불 개방형 서비스를 위한 지불 로직 처리 절차 및 계좌 관리 로직 절차를 기술하였다.
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