KR101079396B1 - Money proxy collection method by third person - Google Patents

Abstract

The present invention relates to a proxy payment method and system by a third party through the client terminal, to minimize the load of the agency server in the payment process, to make the payment is made quickly and to the client and payment through the payment through the client terminal It was designed to minimize the exposure of information.

That is, in the payment method, a third party agent, which is acted by a client having a billing right, makes a payment by connecting to a client payment terminal when making a payment facing a payer.

Therefore, in the present invention, the payment is made by the payer connected to the client's client payment terminal through the agent's agent terminal, so that the payment is performed through the client's client's payment terminal without the agent's server being charged for the payment's payment. The server load is minimized, so the installation cost of the proxy server is minimized.

Agency payment

Description

Agency payment method by third party through client terminal {Money proxy collection method by third person}

The present invention relates to a proxy payment method by a third party through a client terminal, and more particularly, in the payment method, a third party agent, which is represented by a client having a billing right, makes a payment in confrontation with a payer. The purpose is to minimize the load on the agency server, make payments quickly, and to maximize the exposure of the information of the requester and the payer through the payment through the requester payment terminal. will be.

In general, most payments in commerce are performed by the seller of the goods in direct contact with the buyer of the goods, such as collection, and the payment method is paid by the buyer who visits the seller's place of business to purchase the goods. It consists of on-site payment, which makes a payment, and a visit payment that a seller visits a buyer and collects a payment, and a designated date payment, in which a buyer decides a specific date after the purchase of the goods for a certain period of time.

  On the other hand, the on-line payment, the on-site payment and the payment method of the designated date as described above, the offline payment method that directly provides a monetary means such as cash, the electronic payment method such as payment through bank transfer and wired or wireless communication network, etc. There is this.

The settlement of commerce as described above is made only through direct connection between seller and buyer in order to ensure the reliability of payment, prevention and safety of payment. The intervention of the child is impossible.

In addition, recently, in the case of an electronic commerce that allows the purchase and payment of goods through the Internet, the payment is made by electronic payment such as account transfer using the Internet and payment through a credit card.

In order to secure the reliability and safety of payment in the non-face-to-face payment of the e-commerce as described above, when the buyer confirms receipt of the goods at the time of payment, the buyer confirms the receipt of the goods and the payment is completed and the payment is made to the seller. The payment is made to ensure the reliability of payment through a method called escrow.

 However, the existing payment method and system as described above are made through a direct contact between the seller having a billing claim and the payer with a payment obligation because the third party cannot be involved in order to increase the reliability and safety of the commerce. Since it is necessary to manage the payment business such as collection, as well as the sale of goods, it takes a lot of time, the concentration of work is inferior, and if you want to collect money from a long-distance buyer, you have to visit them one by one. There is a problem that the cost is generated for the profit is deducted, and there is a problem that is unsuitable for general commerce that outsourcing part or all of the work according to the diversification of work.

In the case of payment using a wired or wireless payment terminal of the existing seller, only the payment of the seller who sells the product can be processed, and the range of payment is limited. Because of the large amount of purchase cost and communication cost to be carried by the collector, there is a problem inherent in the risk of unauthorized payment by another person when the payment terminal is lost.

In addition, the escrow in the e-commerce and also from the seller's point of view, there is a problem that the payment of the cost is delayed if the collection of the sales price is not carried out, such as notification of the completion of delivery of the buyer even after the delivery is completed.

Agency such as 'payment agency service providing method and system using a wireless payment terminal (Public Publication No. 2002-0093731)', 'service system for payment upon delivery (registered patent 10-0845311)' which is a post-payment method of payment upon delivery. A payment method was presented.

In the conventional agency payment method, as shown in FIG. 1, a client having a billing claim provides transaction information and a payer information with a payer having a payment obligation, and the agent moves to the payer on behalf of the client. It is as if the agent himself performed the seller lift payment.

On the other hand, the business that proceeds with the agency by the conventional agency payment method as described above can not avoid the phenomenon of the concentration of payment requests from the entire agency terminal requires excessive investment burden and a large number of operating personnel of the payment agency system. There was a problem.

In addition, the existing agency payment method has an agent intervened between the buyer who is the billing agent and the seller who is the billing authority, so the agent is involved in every settlement process and the settlement process. There was a problem in that the deposit of the customer's payment due to the delay.

In addition, in the existing agency payment method as described above, the client, the billing bill holder, exposes more information than necessary during the information provision process for requesting the agent for the agency payment, for example, transaction details, supply price and quantity, total sales amount. There was a problem that the trade secrets of the trading partners could not be protected by exposing the trading information to the agents publicly.

In addition, there is a risk of secondary information exposure due to any reason that the creditor's credit information, which was kept and managed as settlement data by the agent, exists in addition to the primary credit information exposure where the creditor's credit information is exposed to the agent. There was this.

Accordingly, the present invention is to solve the problem that the payment load is concentrated to the agent server and the payment process is complicated in the agency payment method and system as described above, and the problem that credit information of the payer is exposed to the agent.

That is, in the payment method, in the payment method, a third party agent, who is requested by the client with the billing authority, makes a payment by connecting to the client payment terminal in the payment process facing the payer. will be.

Therefore, in the present invention, the payment is made by the payer connected to the client's client payment terminal through the agent's agent terminal, so that the payment is performed through the client's client's payment terminal without the agent's server being charged for the payment's payment. The server load is minimized, so the installation cost of the proxy server is minimized.

In addition, the agent is involved between the buyer and the client, the billing claimant, the agent must be involved every time during the settlement process as well as in the settlement process, while the present invention provides a settlement process for the settlement system required for payment between ordinary parties. Providing the same settlement environment as in the above, it is possible to quickly settle down.

In addition, the client as a billing bill holder does not provide more than necessary information to the agent for the settlement request, only the essential information such as the payment amount is provided and exposed, thereby protecting the trade secret of the client.

In addition, since the credit information of the payer is not managed through the agency server, the exposure of the credit information of the payer is minimized.

Hereinafter, described in detail by the accompanying drawings as follows.

Prior to the description of the invention, the terms or words used in this specification and claims should not be construed as limiting in their usual or dictionary meanings, and the inventors should use the concept of terms to best explain their invention in the best possible way. Based on the principle that can be properly defined should be interpreted as meanings and concepts in accordance with the technical spirit of the present invention.

Therefore, the embodiments described in the specification and the drawings shown in the drawings are only the most preferred embodiments of the present invention and do not represent all of the technical idea of the present invention, various modifications that can be replaced at the time of the present application It should be understood that there may be equivalents and variations.

The present invention entrusts the third party to the collection work for the collection of payment in the commerce to increase the work efficiency and minimize the time and cost of the collection through the client payment terminal in the payment process of the payer through the agent Payment is made.

That is, according to the present invention, as shown in FIG. 2, the client terminal 51 of the client having the billing request according to the commerce, and the agent who contacts the payer 21 in response to the request of the client 10 to perform the settlement ( An authentication process (110) for connection in which agent terminals (52) of 30 perform an authentication process for connection with the agent server (60);

A billing agent request process 210 for requesting a billing agent by the client 10 to provide a billing agent with necessary payment information for a billing agency billing request;

The agent 30 is connected to the agent server 60 by the agent terminal 52 to receive the necessary payment information for the payment agent and payment agent authentication process 311 to authenticate the agent;

The billing request process (312), the agent 30 is authenticated through the billing agent authentication process (311), the agent 30 visits the payer 21, presents the billing claim through the agent terminal 52, and requests performance payment information (312). A payment settlement information providing process 320 in which the payer 21 provides the performance payment information to the agent terminal 52 to perform the payment;

Transition payment information transmission process in which the agent 30 connects to the client payment terminal 53 through the agent terminal 52 and transmits the performance payment information acquired through the performance payment information providing process 320 to the client payment terminal 60. 330;

The client terminal 53 connects to the payment approval institution server 80 to provide the payment approval authority server 80 with the performance payment information provided through the transfer payment information transmission process 330 and requests the payment approval request. Process 411;

According to the payment approval request process 411, the payment approval institution server 80 such as a card company or a bank verifies this according to the provided performance payment information, approves the payment, provides the payment approval information, and requests the payment amount according to the payment approval. A payment approval process 421 for performing a payment amount remittance process 422 for remitting money;
A payment approval notification process 413 for transmitting payment approval information through the payment approval process 421 to the agent terminal 52 and for transmitting the agent terminal 52 to the agent server 60;
In the payment approval institution server 80, a payment amount remittance process 422 for remitting the payment amount according to the payment approval to the client.
On the other hand, the payment amount remittance according to the phase payment amount remittance process 422 is to be processed immediately or with a certain period according to the payment approval authority and the payment method.

The authentication process 110 for the connection includes; At the request of the client, the agent acting for the settlement provides key information such as name or trade name, business registration number or social security number, address, contact information, terminal information, and financial information to the agency server. The access authentication is performed through the process of being granted, and the authentication can be performed through an accredited certificate issued through an accredited certification authority to increase security.

The payment agency request process 210; The process of providing the requesting server access information such as the access information of the client access terminal and the essential payment information such as the payment amount, address and contact information to the agent server 60 according to the billing request obtained from the payer who is a commerce party through commerce. It is made of.

On the other hand, in the payment agency request process 210, the client 10 provides the terms and conditions of payment with the payer 21 and the request to the agent 30 together with the payment means information such as payment type and installment status By providing together with the implementation payment information providing process 320 may be carried out to complete the payment through the provision of payment information.

 The payment agent authentication process 311 is; The authorized agent 30 through the authentication process 110 for access is authenticated as the corresponding agent set by the agent server 60 through the agent terminal 52 and receives the required payment information.

The transition payment information providing process 320; The agent 30 facing the payer 21 checks the billing rights provided by the client through the agent terminal and provides the performance payment information to the agent terminal 52 through a payment method such as a credit card. Payment by is fulfilled.

At this time, through the operation of the agent terminal 52 it is impossible to modify the necessary payment information by the input operation of the agent, such as adjustment of the payment amount.

The transition payment information transmission process (330); The agent terminal 52 connects to the client payment terminal 53 and transmits the payment information of the payer such as the payment information and the signature provided in the performance payment information providing process 320 and the performance payment information in this process. Is encrypted and transmitted to increase security.

The payment approval request process 411 is; Based on the settlement payment information of the payer transmitted from the agent terminal 52, the client payment terminal 53 determines whether the same as the payment amount of the transaction details stored at the time of the request by the client, and compares the payment approval institution server ( 80) and executes the payment approval request, and the client payment terminal 53 transmits the payment approval information obtained according to the payment approval of the payment approval institution server 80 to the agent terminal 52 so that the payer 21 receives the payment approval information. This is to confirm and to provide the documentary process (520) of providing the documentary evidence such as a card slip or receipt according to the payment.

Meanwhile, the payment approval request process 411 by the client payment terminal 53 is performed such that the client payment terminal 53 is directly connected to the payment approval institution server 80 as illustrated above, or illustrated in FIG. 3. As described above, the payment agency 70 may be connected to the payment approval institution server 80 through the payment agency 70 to perform the payment approval request process 412 requesting the payment agency 70 to approve payment. As such, the payment agency 70 performs the payment approval request process 411 to the payment approval institution server 80 according to the payment approval request process 412 of the client payment terminal 53, the payment agency 70 ), The VAN can be configured and implemented in such a way that the client settlement terminal 53 can selectively access the approval authority.

In the payment approval process 421, the payment approval institution server 80 verifies the payment according to the performance payment information provided according to the payment approval request process 411 of the client payment terminal 53, and approves the payment, and the client payment terminal 53 ) To provide payment approval information.
The payment approval notification process 413 allows the payment approval information transmitted to the payment approval institution server 80 to be transferred to the agent terminal 52 through the requesting terminal 53, and the agent terminal 52 is the agent server 60. To be delivered).

Hereinafter, as another embodiment of the present invention as shown in FIG. 4, the agent 30 may perform the delivery together, and the client 10 pays the delivery information provided when purchasing the goods of the payer 21. It is provided to the agency server 60 to the agency request process 210, the agency server 60 is to provide the delivery information through the payment agent authentication process 311 to the agent's terminal.

Here, the agent configures a plurality of agents 30 including the delivery in the payment agent request process 210 so that the goods can be smoothly and quickly linked delivery, the designation of the agent 30 to the client 10 Agent by specifying through the process of the automatic assignment of the agency server 60 in accordance with the position of the payer 21 and the agent 30 provided in the payment agent request process 210 by the client, and the manual 10 by the client 10 It is possible to instruct and manage the misdelivery due to the fault of (30) and the optimized product delivery route, and the agent 30 who receives the goods from the client 10 is the payer of the delivery area from the agent server 60. Receiving the location information of the other agents 30 in close proximity to (21) can be carried out to deliver the goods.

In this case, the cooperative delivery of the product is configured to enable cooperative delivery through two or more agents 30, and the agent 30 receiving the goods from the client 10 has the authority of the settlement agent or the right to receive goods or payment Only one of the agency can be enforced.

In addition, the agency fee of the agent 30 may perform the agent cost payment process 510 in which the agency server 60 distributes and pays the agent fee according to the role of the agent when the agency fee is deposited. As such, when the agent 30 is composed of a plurality of linked delivery and payment agent 30 will be distributed and paid according to the information of the linked agent stored in the agency server 60.

On the other hand, in the above-described series of processes can be changed or canceled at any time before the settlement agent process procedure by the agent 30 is executed through the agent server 60 in real time of the client 10 and the agent server 60 ) Is to verify the request of the requester 10 whether the agent 30 faithfully performed every step to provide information to the requester 21 through the requester terminal 51 from time to time.

Hereinafter, the payment system according to the present invention will be described.

As shown in FIG. 5, the client 10 transmits and receives the required payment information for the client to perform the operation for the payment agency request, and the payment is received by the payer 21 according to the required payment information. Agent server 52 for transmitting and receiving information for the transfer, and the agent server for transmitting the essential payment information to the agent terminal 52 in accordance with the required payment information provided from the authentication and requesting terminal 51 for the connection of each terminal ( 60) and the client payment terminal 53 which accesses the payment approval institution server 80 and performs the payment process according to the provision of the performance payment information of the agent terminal 52.

Here, the proxy server 60 is a communication connection control unit 61 for wired / wireless transmission and reception with the client terminal 51 and the agent terminal 52, the client and the payer and the required payment information as shown in FIG. The main control unit 64 controls the operation of the data unit and the respective components are stored.

The data unit includes the client data unit 63a in which the information of the client 10 is stored, the biller data unit 63b in which the information of the payer is stored, and the essential payment information data in which transaction information according to the purchaser's product is stored. It is comprised by the part 63c,

The data structure of the client data unit 63a and the payer data unit 63b is composed of information such as a connection ID, a password name or a trade name, a resident registration number or a business registration number, an address, a contact number, a product purchase history, a delivery history, and the like. You can do this by adding or deleting items.

On the other hand, in the practice of the present invention can be carried out with a shipping information data unit 63e for storing the delivery information provided from the requester in the data unit of the agency server 60 so that the agent 30 can also perform both delivery and delivery. As such, the delivery information data unit 63e may set the designation or exclusion of the cooperative delivery target agent according to the remote delivery according to the designation of the client 10, and the payment means during the settlement process by the last agent 30 and the payment method. It is possible to specify the type of transaction evidence, such that the client can reflect various conditions of the transaction through the agent without having to directly deliver or face the payer (21).

In addition, it is possible to additionally configure the agency cost data unit (63g) is stored in the data portion of the agency server 60 data about the payment of the agent according to the payment and delivery agency.

 Hereinafter, in the implementation of the present invention, when the agent describes the billing settlement process through performing the billing request of the client as follows.

The client 10 having a billing right for the payer 21 who is a buyer according to a commerce such as a merchandise sale provides the necessary payment information for the commissioning of the billing right through the billing agency request process 210. To provide.

And, through the authentication process for access 110, the authorized agent 30 is connected to the agent terminal 52 through the payment agent authentication process 311 with the agent server 60, essential payment information for the payment agent Receiving and authenticating the appropriate agent, and performing a payment request process (312) requesting payment according to the billing bill on behalf of the payer (21) in accordance with the required payment information provided by the payer (21). A. acquires the performance payment information from the payer 21 through the performance payment information providing process 320 for providing the performance payment information to the agent terminal 52, and transmits the performance payment information transfer process 330 to the acquired performance payment information. It transmits to the client payment terminal 53 through.

As described above, the client payment terminal 53, which has received the performance payment information from the agent terminal 52, accesses the payment approval institution server 80 through the payment approval request process 411 to perform payment approval according to the provided performance payment information. The payment approval institution server 80 that has requested the payment approval through the payment approval request process 411, and then, after verifying the provided performance payment information, approves the payment and remits the payment amount. By performing the approval process 421, the collection agency process is completed.

In the process as described above, the client 10 and the agent 30 have completed the authentication process for the connection with the agency server 60 through the authentication process 110 for access, when the payer is located outside the country In addition, it is possible to collect the payment amount according to the claim of the billing bill through the agency where the payer is located, and it is possible to process payment tasks such as collection by outsourcing.

Hereinafter, the agent 30 according to another embodiment of the present invention describes the product delivery and payment process according to the request for the product delivery and billing claims of the client 10 as follows.

The requestor having the billing right according to the sale of the product provides the agency server 60 with the required billing information and the delivery information for the commissioning of the billing request and the product delivery through the billing agency request process 210.

At this time, the transmission of the essential payment information and delivery information from the client terminal 51 to the agency server 60 is transmitted through the storage and extraction process by the normal database program according to the purchaser 21. .

And, through the authentication process for access 110, the authorized agent 30 is connected to the agent terminal 52 through the payment agent authentication process 311 with the agent server 60, essential payment information for the payment agent Receives the delivery information and authenticates the appropriate agent or not, and the associated agent 30 also checks and manages the delivery path through the linked delivery authentication through the connection with the agency server 60, It cannot be denied that they participated in linked deliveries, and the responsibility between agents is to be clear.

And, through the authentication process for the connection 110, the authorized agent 30 is connected to the agent terminal 52 through the payment agent authentication process 311 with the agent server 60, the main payment information for the payment agent Receiving the certificate and performing authentication of the appropriate agent, and performing a payment request process 312 requesting payment according to the billing bill on behalf of the payer 21 in accordance with the provided main payment information. ) Obtains the performance payment information from the payer 21 through the performance payment information providing process 320 for providing the performance payment information to the agent terminal 52, and transfers the performance payment information obtained from the payment performance payment process 330 It transmits to the client payment terminal 53 through.

The agent 30, which has been certified as above, visits the payer in accordance with the main payment information, delivers the goods to the payer through the process of providing payment information, checks the goods, and requests a payment according to the billing bill. The payment process 21 performs a process 312 to obtain the performance payment information from the payer 21 through the performance payment information providing process 320 to provide the performance payment information to the agent terminal 52, the acquired transition The payment information is transmitted to the client payment terminal 53 through the performance payment information transmission process 330.

On the other hand, when the goods receiver 40 and the payer 21 that received the goods are not the same, the different agents 30 by providing the information to the agent 30 through the provision in the client's product purchase process. Will be able to perform the goods delivery process (313) and settlement agent.

The Uiro payment terminal 60 received the performance payment information from the agent terminal 52 is connected to the payment approval institution server 80 through the payment approval request process 411 and requests the payment approval in accordance with the provided performance payment information In addition, the payment approval institution server 80, which has been requested to approve payment through the payment approval request process 411, approves the payment after verifying the provided performance payment information, and approves payment of the payment amount remittance process of remitting the payment amount. By performing the process 421, the delivery and settlement agency procedures according to the delivery and settlement agency request of the client 10 is completed.

In addition, the agency commission of the agents 30 that delivered the goods is the distribution of expenses according to the tasks of the agents 30 through the agency cost payment process 510 of the agency server 60.

On the other hand, in the above description, the essential payment information is information provided in the requesting process, the client connection information and transaction number, the client requested the billing request to the agency server, the trading party and the actual payment, the name / name of the actual delivery address In this case, the payment amount can be configured.

The performance payment information is information provided from the payer during the payment approval process, and may be performed by configuring the transaction number as an index for identifying the individual transaction received at the time of inputting the required payment information, the payment means information of the payer, and the agent terminal ID. It is.

1 is an illustration of a conventional electronic payment process.

2 is an exemplary embodiment of the collection payment settlement process according to the present invention.

3 is another embodiment according to the present invention

Example of the payment process through a payment agency (VAN).

Figure 4 is another exemplary embodiment of the payment settlement process shipping according to the present invention.

5 is a main configuration of a payment system according to the present invention.

Figure 6 is a main configuration of the proxy server according to the present invention.

<Description of the symbols for the main parts of the drawings>

10: Client

21: Payer

30: agent 40: recipient of the goods

51: client terminal 52: agent terminal

53: client payment terminal

60: agency server

61: communication connection control unit

63a: Client Data Section 63b: Biller Data Section

63c: Required Payment Information Data Section 63e: Shipping Information Data Section

63g: agency cost data department

64: main control unit

70: payment agency 80: payment approval agency server

110: authentication process for access 210: payment agency request process

311: Acquisition process 312: Payment request process 313: Product delivery process

320: process of providing payment information 330: process of transmitting payment information

411: Payment approval request process 412: Payment approval request process

413: Payment approval notification process

421: Payment approval process 422: Payment amount remittance process

510: Agent fee payment process 520: Proof of documentation

Claims (6)

In the agency payment method The client 10 having the billing request collects the payment price through the agent 30, which is a third party who has been requested by the client, without directly contacting the payer 21 having the payment obligation, but through the agent 30. Payment of the payer 21 is made through the client payment terminal 53 of the client 10, The client terminal 51 of the client having a billing claim according to the commerce, and the agent terminal 52 of the agent 30 that contacts the payer 21 and performs the settlement according to the request of the client 10, the agent server ( An authentication process for access (110) for performing an authentication process for access with 60; A billing agent request process 210 for requesting the billing agent by the client 10 to provide the billing server 60 with essential payment information for the commission of the billing request through the requester terminal 51; The agent 30 is connected to the agent server 60 by the agent terminal 52 to receive the necessary payment information for the payment agent and payment agent authentication process 311 to authenticate the agent; The billing request process of authenticating the agency through the billing agency authentication process 311, the agent 30 visits the biller 21, presents the billing right through the agent terminal 52, and requests performance payment information ( 312) a transition payment information providing process 320 in which the payer 21 provides the transition payment information to the agent terminal 52 to perform the settlement; A transition payment information transmission process 330 in which the agent 30 connects to the client payment terminal 53 by the agent terminal 52 and transmits the performance payment information to the client payment terminal 53; The client payment terminal 53 connects with the payment approval institution server 80 to provide the performance payment information provided through the performance payment information transmission process 330 to the payment approval institution server 80 and request payment approval. A request process 411; In accordance with the payment approval request process 411, the payment approval institution server 80 verifies this according to the provided performance payment information, approves the payment, provides payment approval information, and transfers the payment amount to the client according to the payment approval. A payment approval process 421 for performing a remittance process 422; A payment approval notification process 413 for transmitting payment approval information through the payment approval process 421 to the agent terminal 52 and for transmitting the agent terminal 52 to the agent server 60; The payment approval institution server 80 is made of a payment amount remittance process 422 for remitting the payment amount according to the payment approval to the client, The payment agency request process 210; The process of providing the requesting server access information such as the access information of the client access terminal and the essential payment information such as the payment amount, address and contact information to the agent server 60 according to the billing request obtained from the payer who is a commerce party through commerce. Made of In the payment agency request process 210, the client 10 provides the terms of the transaction with the payer 21 and the request to the agent 30 together with the payment means information such as payment type and installment status. Through the settlement payment information providing process 320 so that the payer is completed through the provision of the performance payment information,  The payment agent authentication process 311 is; Through the authentication process 110 for the connection is authenticated agent 30 is made of a process of receiving the required payment information and authenticated as the corresponding agent set by the agent server 60 through the agent terminal 52,  The transition payment information providing process 320; The agent 30 facing the payer 21 checks the billing rights provided by the client through the agent terminal and provides the performance payment information to the agent terminal 52 through a payment method such as a credit card. Payment by  Through the operation of the agent terminal 52, it is impossible to modify the necessary payment information by the input operation of the agent, such as adjustment of the payment amount, In the payment approval process 421, the payment approval institution server 80 verifies the payment according to the performance payment information provided according to the payment approval request process 411 of the client payment terminal 53, and approves the payment, and the client payment terminal 53 ) To provide payment authorization information, The payment approval notification process 413 allows the payment approval information transmitted to the payment approval institution server 80 to be transferred to the agent terminal 52 through the requesting terminal 53, and the agent terminal 52 is the agent server 60. ), The required payment information is information provided in the requesting process. The client includes information on the client requesting the client's request for the billing request, the transaction number, the transaction party, the actual payer, the real name / name of the actual delivery address, and the payment amount. , The performance payment information is information provided from the payer during the payment approval process, and consists of a transaction number as an index for identifying an individual transaction given at the time of inputting the required payment information, the payment means information of the payer, and the agent terminal ID. Agency payment method by a third party. The method of claim 1 In the payment agency request process 210, the payment method information such as payment type and installment by the payer is provided together so that the payment is made only through the provision of the payment information through the performance payment information providing process 320, The payment approval request process 411 by the client payment terminal 53 is connected to the payment approval institution server 80 through the VAN, which is the payment agency 70, to make a payment. The agent commission of the agent 30 is a client, characterized in that the agent server pays the agency fee payment process according to the agent's role when the agency commission payment from the client in accordance with the agent's role payment process (510) Agency payment method by a third party through the payment terminal. The method of claim 1 or 2; Let agent 30 perform the delivery together The client 10 provides the agent server 60 to the payment agent request process 210, the delivery information provided when purchasing the product of the payer 21 through the client terminal 51, The agency server 60 is a proxy payment method by the third party through the client payment terminal, characterized in that the delivery information through the payment agent authentication process 311 to the agent terminal 52. The method of claim 3; Agent constitutes a number of agents 30, including the delivery in the payment agent request process 210 so that the goods can be smoothly and quickly linked delivery, The agent 30 receiving the goods from the client 10 can receive the location information of another agent 30 in close proximity to the payer 21 of the delivery area from the agency server 60 to deliver the goods, The designation of the agent 30 is a process of the automatic assignment of the agent server 60 according to the position of the payer 21 and the agent 30 provided in the payment agent request process 210 by the client 10, and the client ( 10) to designate through the manual designation process to prevent mis-delivery due to the negligence of the agent 30 and to direct and manage the optimized product delivery route, In the transition payment information providing process 320, through the operation of the agent terminal 52 through the client payment terminal, it is impossible to modify the necessary payment information by the input operation of the agent, such as adjustment of the payment amount Third party payment method. delete delete

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