KR20020080833A - Multi-payment system on the Internet and method using the same - Google Patents

Abstract

PURPOSE: A multi-paying system on the Internet and a multi-paying method using the same is provided to mix at least two electronic paying methods which are being used on the Internet therewith and use the mixed method. CONSTITUTION: A client connects a merchant system, searches commodities, and transmits information related to a commodity order(S100). The commodity order related information is transmitted to a client-paying module through a predetermined process and the client-paying module transmits the information to a multi-paying system(S200). The information is transmitted to a template processor and processed adapted to a predetermined template, and an input of payment information from the merchant system or the client is waited(S300). The merchant system transmits information related a payment method to the client, and the client selects at least two paying methods and transmits the methods to the multi-paying system(S400). The multi-paying system processes the payment information using a predetermined template and transmits the information to a multi-paying processor(S500). The multi-paying processor decides a paying method selected by the client from the information and transmits commodity order related information and commodity price information to each PG(Payment Gateway) processing module(S600). The PG processing module transmits the commodity order related information and commodity price information to a PG and waits a payment approval request(S700). If a payment approval signal is received from the PG, the PG processing module transmits the signal to the multi-paying processor(S800). The multi-paying processor judges whether all payment approval signals are transmitted from the PG(S900). If all payment approval signals are transmitted, the multi-paying processor transmits the payment approval result to the merchant system and the client(S1000).

Description

Multi-payment system on the Internet and method using the same}

The present invention relates to a payment system and a payment method on the Internet, and more particularly, a multi-payment method that can be used by mixing various payment methods used in a place where a payment system is required, such as e-commerce or content use on the Internet. The present invention relates to a payment system and a multiple payment method using the same.

Due to the rapid spread of the Internet, various kinds of electronic commerce on the Internet are being greatly activated, and the use of contents such as watching movies on the Internet is increasing gradually as the use of high-speed Internet is greatly increased. Therefore, the billing system or payment system in accordance with the e-commerce and the use of the content is gradually developed.

Background Art Conventionally, electronic payment systems using electronic commerce or contents use credit cards, cash deposits, rechargeable micropayment cards, mobile phone payments, and the like. Most of these payment methods are one payment method. For example, if you purchase an item with a price of 1 million won in online shopping, you can mix payment methods such as 500,000 won by credit card, 200,000 won by cash deposit, and 300,000 won by mobile payment. You cannot use it.

In addition, in the case of a rechargeable small payment card, if a small amount of about 500 or 1000 won is left in the card, it cannot be used as a payment method without recharging the card. In such small payment cards, it is often impossible to use the balance to be exactly zero, and if the card is no longer used, the card balance is simply discarded. In addition, in the case of a credit card, a limit that can be purchased with a credit card is determined, so when a large amount of goods are purchased, it may not be used as a payment method due to a limit restriction.

In other words, the current electronic payment system has a critical limitation that there is no choice of customers in that one payment method must be selected. The customer should use the payment method provided by the service provider as it is, and the authority to select the payment method is limited by the service provider. Even if a service provider intends to provide a mixture of existing payment methods, a huge cost of customizing payment methods defined in different ways according to the provider's framework is incurred.

The present invention has been made to solve the above problems, and an object of the present invention is to provide a multi-payment system that allows a mixture of at least two or more electronic payment methods used on the Internet.

1 is a block diagram showing a state in which a multi-payment system according to the present invention is connected to an online shopping mall, a customer, and a payment gateway (PG) when the multi-payment system is applied to an online shopping mall.

2 is a block diagram showing a detailed configuration of a merchant system and a multi-payment system according to the present invention;

3 is a flowchart showing the overall procedure of the multi-payment method according to an embodiment of the present invention;

4 is a flowchart illustrating a process according to whether a payment approval signal is normally transmitted from the PG side.

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

10 ... customer, 20 ... shopping mall, merchant system

30 ... Multiple payment system, 40 ... PG.

In order to achieve the object as described above, the present invention is connected to at least one merchant system that provides a predetermined product or service to the customer and receives the payment for the payment to perform the payment processing associated with the payment. In the multi-payment system, the multi-payment system communicates with the plurality of merchant systems and deals with product-related information and product price information about the goods ordered by the customer through the merchant system and the payment method from the customer or through the merchant system. A payment server for receiving payment information; To receive payment information from the payment server, interpret it, and call the PG processing module described later to request payment approval for PGs corresponding to the payment method selected by the customer, thereby requesting an approval signal for each PG. A multi-payment processor which determines that the order is successful when the approval signal is transmitted from all PGs by receiving the result of the result, and transmits the order success signal to the customer and the merchant system; A PG processing module connected to at least two PGs, requesting an acknowledgment signal for each PG according to a request from the multiple payment processor, and receiving a result thereof and transmitting the result to the multiple payment processor; And a merchant database storing various data on the merchant system side, a PG database storing various data on the PG side, and a payment information database storing various data related to payment information. Provide a system.

In addition, the method according to the present invention, a multi-payment system for providing a predetermined product or service to a customer and at least one merchant system connected to the Internet through the payment processing to perform payment processing associated with the payment. A multiple payment method on the Internet, comprising: a first step in which a customer transmits product order related information related to a product order and payment information for at least two payment methods in order to access a merchant system to order a product; The merchant system processing a product order related information and payment information transmitted from the customer in a predetermined format and transmitting the processed information to the multiple payment system; The multi-payment system is a third step of determining the at least two or more payment methods selected by the customer from the transmitted payment information and transmitting a payment approval request to each PG side corresponding to the determined payment methods; And a fourth step of transmitting an order success signal to the customer and the merchant system when all the payment approval signals are transmitted from all of the PG sides which have transmitted the payment approval request. To provide.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a view showing an embodiment in which a multi-payment system according to the present invention is applied to an online shopping mall, and is connected to an online shopping mall, a customer, and a payment gateway (PG).

As shown in FIG. 1, the customer 10, the online shopping mall 20, the multiple payment system 30, and the PG 40 are connected to each other via the Internet. Here, the customer 10 refers to a side that accesses an online shopping mall and a multi payment system through means such as a computer, a wireless mobile communication terminal, transmits and receives information, and pays for goods. It is a web site that is made of a web site, where a customer connects, purchases goods, and pays.

When the multiple payment system 30 and the PG 40 and these are connected to each other to purchase the goods and payment approval is made, the process of making the actual payment is outlined as follows.

First, the customer 10 accesses the online shopping mall site 20 through the Internet. After searching for the desired product in the online shopping mall site 20, the product is ordered. (1 in Fig. 1)

Next, the online shopping mall 20 transmits the product order information and the price information of the product ordered by the customer 10 to the multi-payment system 30. (2 in FIG. 1) In addition, the online shopping mall 20 is online to the customer 10 side. The shopping mall 20 expresses a plurality of payment methods set in advance.

The customer 10 selects one or more payment methods according to the plurality of payment methods expressed above, and transmits payment information for the selected payment method to the multi-payment system 30 (3 in FIG. 1).

Next, the multi-payment system 30 analyzes and classifies the transmitted payment information and sends a respective payment approval request signal to each PG 40 responsible for approval for each payment method (④ in FIG. 1).

Each PG 40 side determines whether to approve according to the approval request signal and transmits the result thereof to the multi-payment system 30 (⑤ in FIG. 1).

Next, the multi-payment system 30 transmits the received result to the customer 10 and the online shopping mall 20 side (⑥ in FIG. 1).

2 is a block diagram showing the detailed configuration of the merchant (merchant) system and multiple payment system 30 according to the present invention. In FIG. 2, the merchant system corresponds to the online shopping mall 20 of FIG. 1 and refers to a web site that performs electronic commerce. The merchant system is shown below using the same reference numerals as the online shopping mall 20 of FIG.

As shown in FIG. 2, the merchant system 20 includes an electronic commerce system 21 and a client payment module 22. The e-commerce system 21 is a place for general processing of e-commerce operated by the merchant system 20, a database storing various information about goods and customers, and a web server for performing web services. It is a general system comprising a, the client payment module 22 is an application program installed on the merchant system 20 side to process the multi-payment method according to the present invention and communicates with the multi-payment system 30 and the payment information and It is in charge of various kinds of processing for approval result On the other hand, the client payment module 22 can be omitted by using an HTML link.

Meanwhile, the multiple payment system 30 may include a payment server 31, a template processor 32, a multiple payment processor 33, a PG processing module 34, a multiple payment settlement analysis processor 35, and a merchant database ( 36), a PG database (37) and a payment information database (38).

The payment server 31 communicates with the client payment module 22 installed in the plurality of merchant systems 20 and accepts the product information and the price information from the merchant system 20.

The template processor 32 is a processor that receives and processes payment information from the payment server 31 in a preset template form.

The multi-payment processor 33 is a processor that receives payment information from the payment server 31, analyzes it, calls the PG processing module 34 to request an approval signal, and receives and processes the result of the payment.

The PG processing module 34 requests an acknowledgment signal to the corresponding PG side 40 in response to a plurality of PGs, receives the result of this, and transmits the result to the multiple payment processor 33.

The multiple settlement settlement analysis processor 35 is a processor that processes settlements for each merchant and PG by analyzing different fees and settlement periods for each PG according to the complex payment approval result.

In addition, the merchant database 36 stores various data on the merchant system 20 side, the PG database 37 stores various data on the PG 40 side, and the payment information database 38 is settled. Stores various data related to the information.

The procedure of the multiple payment method according to the present invention under such a system configuration will be described with reference to FIGS. 1, 2, and 3.

3 is a flowchart illustrating the overall procedure of the multiple payment method according to an embodiment of the present invention.

First, the customer 10 accesses the merchant system 20 to search for a product, and then transmits information related to a product order (S100).

The product order related information transmitted by the customer 10 is delivered to the client payment module 22 through the predetermined process of the product order related information that has been transmitted from the e-commerce system 21 of the merchant system 20, The client payment module 22 transmits the product order related information (including the product amount information) to the multiple payment system 30 (S200).

The payment server 31 of the multi-payment system 30 transfers the received product order related information to the template processor 32, processes it according to a predetermined template, and then transfers it from the merchant system 20 or the customer 10. Wait for the payment information to be input (S300).

Meanwhile, the merchant system 20 transmits information related to a payment method to the customer 10, and the customer 10 selects at least two or more payment methods from the transmitted payment method information, and the merchant system 20 sends the information to the customer 10. Or directly to the multi-payment system 30 side (S400).

The multi-payment system 30 processes the transmitted payment information into a predetermined template in the template processor 32 and then transfers the received payment information to the multi-payment processor 33 (S500).

The multi-payment processor 33 determines the payment method selected by the customer 10 from the transmitted payment information, and transmits a payment approval request to each PG 40 corresponding to the determined payment method. The order-related information and the product amount information are transmitted to each PG processing module 34 (S600), and each PG processing module 34 transmits the product order-related information necessary for payment approval request and payment approval to the corresponding PG 40 side. The product price information is transmitted and waits for a payment approval request (S700).

Each PG processing module 34 transmits the payment approval signal to the multi-payment processor 33 when the payment approval signal arrives from each PG 40 that has made the payment approval request (S800).

The multi-payment processor 34 determines whether all payment approval signals have been transmitted through the PG processing module 34 from all of the PG 40 sides which have requested the payment approval request (S900), and all payment approval signals are received. If it is transmitted, it is determined that the order is successful, the payment approval result is transmitted to the merchant system 20 and the customer 10 (S1000), and the product order process of the customer 10 is normally terminated.

On the other hand, in the above method, the process according to whether the payment approval signal is normally transmitted from each PG 40 side is shown in FIG.

As shown in FIG. 4, if all payment approval signals are successful, the process proceeds to step S1000 of FIG. 4, but if all payment approval signals fail, the customer 10 and the merchant system 20 indicate that all payment approvals have failed. Send it to the server) and proceed with the procedure.

On the other hand, when a payment approval signal is transmitted from a part of the PG 40 is divided as follows. That is, if the payment approval signal is not failed and payment approval cannot be confirmed, such as an online account transfer, once the order is placed in a waiting state, and if any of the payment approval failure signals are received, the count is increased by one and the above steps are performed again. Returning to (S600), the request for the approval signal is again requested for the PG 40 which has sent the failed approval signal. At this time, if the predetermined number of times is reached and the predetermined number of times is reached, all signals that have already been approved are canceled and the order is finally processed as a failure. By doing in this way, it becomes possible to process the case where the approval signal is partially transmitted in the case where the plurality of payment methods are selected.

In the above, the present invention has been described with reference to the most preferred embodiment of the present invention, but the present invention is not limited to the above embodiment and various modifications are possible.

According to the present invention, it is possible to provide an electronic payment system that can be easily used by mixing various electronic payment methods used on the Internet. That is, two or more electronic payment methods conventionally used, such as a card, bank transfer, micropayment card, or prepaid card, can be mixed and used, and a customer can freely select a payment method.

In addition, since the present invention is sufficient to install a predetermined program or use HTML tags in the conventional electronic commerce system, it is possible to simply use a multi-payment system without having to build a separate system.

Claims (9)

In the multiple payment system for providing a predetermined product or service to the customer and at least one merchant system connected to the Internet and the payment processing associated with the payment, The multi-payment system, A payment server communicating with the plurality of merchant systems and receiving product related information and product price information about products ordered by a customer through the merchant system and payment information about a payment method from a customer or through the merchant system; To receive payment information from the payment server, interpret it, and call the PG processing module described later to request payment approval for PGs corresponding to the payment method selected by the customer, thereby requesting an approval signal for each PG. A multi-payment processor which determines that the order is successful when the approval signal is transmitted from all PGs by receiving the result of the result, and transmits the order success signal to the customer and the merchant system; A PG processing module connected to at least two PGs, requesting an acknowledgment signal for each PG according to a request from the multiple payment processor, and receiving a result thereof and transmitting the result to the multiple payment processor; And Merchant database for storing various data on the merchant system side, PG database for storing various data on the PG side, and payment information database for storing various data related to payment information Multiple payment system on the Internet, comprising a. The method of claim 1, Multiple payment system on the Internet characterized in that it further comprises a multiple settlement settlement analysis processor for performing the settlement process for each merchant side and PG by analyzing different fees and settlement period for each PG. The method according to claim 1 or 2, The merchant system further comprises a client payment module which communicates with the multiple payment system and performs various processes on payment information and approval results. The method of claim 3, And a template processor that receives payment information from the payment server and processes the payment information in a preset template form. The method of claim 4, wherein The multi-payment processor transmits an order cancellation signal to the customer and the merchant system when an approval failure signal is transmitted from all PGs, and sends an order wait signal to the customer and the merchant system when an approval failure signal is transmitted only for a part. And transmitting to the merchant system and if the authorization failure signal is present, allowing the authorization request procedure to be repeated for the PG that has failed the authorization less than a predetermined number of times. In the multiple payment method on the Internet using at least one merchant system that provides a predetermined product or service to a customer and receives payment for it, and a multiple payment system connected through the Internet to perform payment processing related to the payment. In A first step of transmitting a product order related information related to a product order and payment information for at least two payment methods in order for a customer to access the merchant system to order a product; The merchant system processing a product order related information and payment information transmitted from the customer in a predetermined format and transmitting the processed information to the multiple payment system; The multi-payment system is a third step of determining the at least two or more payment methods selected by the customer from the transmitted payment information and transmitting a payment approval request to each PG side corresponding to the determined payment methods; And A fourth step of transmitting an order success signal to the customer and the merchant system when all the payment approval signals are transmitted from all of the PG sides which have transmitted the payment approval request; Multiple payment method on the Internet, characterized in that it comprises a. In the multiple payment method on the Internet using at least one merchant system that provides a predetermined product or service to a customer and receives payment for it, and a multiple payment system connected through the Internet to perform payment processing related to the payment. In A first step of transmitting a product order related information related to a product order in order for a customer to access the merchant system to order a product; The merchant system processing a product order related information transmitted from the customer in a predetermined format and transmitting the processed information to the multiple payment system; A third step of transmitting payment information including at least two payment methods for goods to be ordered by a customer through the merchant system or directly to the multiple payment system; The multi-payment system is a fourth step of determining the at least two or more payment methods selected by the customer from the transmitted payment information and transmitting a payment approval request to each PG side corresponding to the determined payment methods; And A fifth step of transmitting an order success signal to the customer and the merchant system when all the payment approval signals have been transmitted from all of the PG sides which have transmitted the payment approval request; Multiple payment method on the Internet, characterized in that it comprises a. The method according to claim 6 or 7, In the step of transmitting an order success signal to the customer and the merchant system when all payment approval signals are transmitted from all of the PG side that sent the payment approval request, If an approval failure signal is transmitted from all the PG parties that have sent the payment approval request, an order cancellation signal is transmitted to the customer and the merchant system, and if the approval success signal is transmitted only for a part, the order failure signal does not exist. Transmitting a waiting signal to the customer and the merchant system, and if there is an approval failure signal, allowing the PG for which the approval failed, to repeat the approval request process a predetermined number or less. The method of claim 8, And processing the product order related information transmitted from the customer or merchant system and payment information for at least two or more payment methods in the form of a predetermined template.