KR20130022672A - Method for providing payment service and system using the same - Google Patents

Abstract

PURPOSE: A payment service providing method and a payment service providing system using the same are provided to omit an additional payment process or a certificate by performing payment through a convenience store. CONSTITUTION: A user orders a product through a user terminal(110). The user terminal receives order information for the ordered product from a relay server(150). A convenience store terminal(170) receives the order information. The convenience store terminal requests the authentication of the order information to the relay server. The relay server approves the requested authentication. [Reference numerals] (110) User terminal; (130) Online market server; (150) Relay server; (170) Convenience store terminal; (AA,BB,CC,DD) End; (S205) Ordering a product; (S210) Requesting an order number; (S215) Creating an order number; (S225,S220) Delivering the order number; (S230) Storing the order number; (S235) Transmitting the order number with payment money; (S240) Requesting an authentication; (S245) Order number corresponds to the payment money?; (S250) Commanding delivery; (S255) Approving

Description

Method for providing payment service and system for providing payment service using same {Method for providing payment service and system using the same}

The present invention relates to a payment service providing method and a payment service providing system using the same. More particularly, the present invention relates to a payment service providing method and a payment service providing system using the same that can perform payment for a purchased product at a convenience store.

In recent years, the expansion of personal computers and the Internet has led to the rapid growth of the online market. In addition, it has now surpassed the size of the offline market due to the spread of portable devices such as smartphones and tablet PCs, the activation of open markets, and the provision of solutions for online market homepages.

However, behind this online market growth, it is true that problems such as user information leakage and fraud damage due to excessive competition coexist. Therefore, it is difficult for users to use a payment system or a payment agent service system existing on the Internet with ease, and the smaller and smaller online market is more likely to be ignored by users for security reasons.

In addition to these illegal problems, there are a number of practical ones. For example, if a payment method called bank deposit is not available, a fee may be incurred even if it is available only within the bank's business hours or even using a CD. In addition, when the payment method of credit card is selected, inconveniences occur due to inconvenience of using a public certificate and restriction by credit rating and age.

Accordingly, a search for a method for safer and more convenient transaction is required.

The present invention has been made to solve the above problems, the object of the present invention, to eliminate the hassle of installing a separate certificate or a separate payment program, to prevent the leakage of personal information, anytime, anywhere easy payment To provide a payment service providing method and a payment service providing system to proceed.

Payment service providing method according to an embodiment of the present invention for achieving the above object, the step of ordering the goods; Transmitting order information corresponding to the ordered product to a user terminal from an intermediary server that manages at least one of sale, payment, and delivery of the product; Receiving the order information to a convenience store terminal; Requesting, by the convenience store terminal, authentication for the order information to the mediation server; And approving the requested authentication by the mediation server.

Here, the transmitting step, when the product is ordered in the online market, the request for the transmission of the order information from the online market server to the intermediary server; And transmitting the order information from the mediation server to the user terminal through the online market server or directly from the mediation server to the user terminal without passing through the online market server according to the transmission request. can do.

The payment service providing method may further include, when the approval is completed, transmitting an approval completion message or a payment completion message from the mediation server to at least one of the user terminal, the convenience store terminal, and the online market. .

The transmission step may be retransmitted after a predetermined time when it is determined that transmission of the approval completion message or payment completion message has failed.

The payment service providing method may further include preparing a delivery by the online market server when the approval completion message or payment completion message is received.

In addition, the authentication request step, the information on the amount received together with the order information is transmitted to the intermediary server is requested to authenticate the order information, the approval step, the intermediary server and the amount information The order information is compared so that the requested authentication can be approved if the price of the product matches the amount.

The order information may include at least one of an order number for the ordered product, an ID of the user, a price of the product, and a purchase date, or a combination of at least two of the order number, the ID, the price, and the purchase date. Can be.

And, in the transmitting step, the location information of at least one convenience store terminal capable of payment for the product may be transmitted together with the order information.

The payment service providing method may further include providing location information of the user terminal from the user terminal to the intermediary server. The transmitting step may be performed based on the location information of the user terminal. The location information of may be transmitted.

In addition, the transmitting step, when the product is ordered in the offline market, the step of requesting the transmission of the order information through the terminal provided in the offline market; And transmitting the order information corresponding to the ordered product from the mediation server to the user terminal according to the transmission request.

On the other hand, a payment service providing system according to an embodiment of the present invention for achieving the above object, an online market server for selling goods; A user terminal for ordering goods in the online market server and receiving order information about the ordered goods; An intermediary server for managing at least one of sales, payment, and delivery of the goods and transmitting the order information; And a convenience store terminal requesting authentication of the order information to the intermediary server and receiving the requested authentication by the intermediary server when the order information is received.

As described above, according to the present invention, by making a payment using a convenience store, there is no need for an accredited certificate or a separate payment program, and there is no risk of leaking personal information or the hassle of installing an accredited certificate or program. do.

In addition, since the payment is made in cash, there is no restriction on the amount of money or the age of use.

In addition, most convenience stores are located in alleys that are easily accessible to users, and 24 hours a day, 24 hours a day convenience store staff, so users can pay anytime, anywhere without special constraints of time and space.

1 is a diagram showing a payment service providing system according to an embodiment of the present invention;
2 is a flowchart illustrating a payment service providing method according to an embodiment of the present invention;
3 is a diagram illustrating a state in which a user terminal receives an order number;
4 is a diagram illustrating a state in which a user terminal may receive and transmit an order number;
5 is a flowchart illustrating a payment service providing method according to another embodiment of the present invention;
6 is a diagram showing a payment service providing system according to another embodiment of the present invention;
7 is a view illustrating a state in which a user terminal can identify a location of a nearby convenience store terminal;
FIG. 8 is a diagram illustrating a map screen showing a location of a nearby convenience store terminal by selecting a map view icon;
9 is a flowchart illustrating a payment service providing method according to another embodiment of the present invention;
10 is a flowchart for explaining a payment service providing method according to another embodiment of the present invention;
11 is a block diagram illustrating a specific configuration of the mediation server described above.

Hereinafter, with reference to the drawings will be described the present invention in more detail.

1 is a diagram showing a payment service providing system according to an embodiment of the present invention. The payment service providing system according to the present embodiment is provided so that the order for the goods and the payment for the goods are separated.

For example, a user may order goods at home or on his way to and commute and pay for the goods ordered at a separate place such as a convenience store near his home or company.

The payment service providing system includes a user terminal 110, an online market server 130, an intermediary server 150, and a convenience store terminal 170.

The user terminal 110 is used as a means for selecting or ordering products by accessing the online market through a network. The user terminal 110 may be in various forms such as a desktop, a notebook, a mobile phone, a tablet PC, and the like.

The user terminal 110 receives and displays information on products to be selected or ordered by the user, such as a product list or shopping cart details, and transmits information on products selected or ordered by the user.

Information about the product that the user wants to select or order is received from the online market server 130 connected to the user, and information about the product selected or ordered by the user is also transmitted to the online market server 130.

The online market server 130 is operated by an online market operator and manages / stores information on products sold in the online market, information on customers, and the like.

In addition, when an online market server 130 receives an order request for a product from the user terminal 110, the online market server 130 makes a request for generation of order information matching the requested product to the intermediary server 150 through a network. .

The mediation server 150 manages / stores matters on sales, payment, and delivery of goods. That is, the mediation server 150 stores the order information for the goods, the information on the users who purchased or intend to purchase the goods, the payment guide, the payment history, the delivery history, the delivery status and the like.

In addition, when the mediation server 150 receives a request for generating order information from the online market server 130, the mediation server 150 generates order information according to the received request and displays the generated order information in the user terminal 110 or the online market server ( 130).

Here, the order information may be generated from a randomly made order number for the ordered product, the ID of the buyer who purchases the product in the online market through the user terminal 110, the price and the purchase date of the product, or may be generated through a combination thereof. have. Hereinafter, for convenience of description, it will be described assuming an order number as an example of the order information.

The intermediary server 150 generates the order number and transmits the order number to the user terminal 110 or the online market server 130, where the user who orders the product using the user terminal 110 pays the convenience store terminal 170 at the convenience store. It will be provided to proceed.

Convenience store terminal 170 receives the order number from the user who ordered the product using the user terminal 110, requests the authentication for the order number to the mediation server 150 and approves the authentication requested by the mediation server 150 Will receive.

On the other hand, when the intermediary server 150 authenticates the order number from the convenience store terminal 170, not only the order number but also payment amount information corresponding to the order number is received from the convenience store terminal 170 for such authentication. do.

For example, when a user orders a product of 10,000 won A through the user terminal 110 in the online market, the online market server 130 requests the intermediary server 150 for the order number. Subsequently, the intermediary server 150 transmits the order number to the user terminal 110, and the user intends to proceed with the payment at the convenience store with the order number received by the user terminal 110.

In this case, the user must present the payment amount 10,000 won corresponding to the order number together with the corresponding order number to the convenience store for the settlement. Convenience store enters the order number and payment amount information of 10,000 won through the convenience store terminal 170, the inputs are transmitted to the intermediary server 150 through the network, the intermediary server 150 provides the order number and payment amount information If there is a match, the certificate is approved.

Hereinafter, the payment service providing method performed in the payment service providing system will be described in more detail with reference to FIGS. 2 to 10.

2 is a flowchart illustrating a payment service providing method according to an embodiment of the present invention.

First, when the user orders the goods through the user terminal 110 (S205), the online market server 130 requests the order number for the goods ordered to the mediation server 150 (S210).

 The intermediary server 150 generates an order number according to the request (S215) and transfers the generated order number to the online market server 130 (S220), and the online market server 130 sends the received order number back to the user terminal. Forward to 110. The user terminal 110 stores the received order number (S230).

An example in which the order number is transferred to the user terminal 110 is illustrated in FIG. 3. 3 is a diagram illustrating a state in which the user terminal 110 receives an order number.

Through this process, the order procedure for the product is completed. That is, for the order for the product, the user can complete the order by a simple procedure of selecting and ordering the product through the user terminal 110, such as on the commute using a portable terminal such as a smart phone or tablet PC It will be easier and more convenient to enjoy shopping.

On the other hand, in order to proceed to payment through the user terminal 110, a significant hassle for the user, such as installing a certificate, installation of encryption program, switch to the window for payment, input of various authentication numbers or passwords, maintaining the good quality of the communication state, etc. The reality is that it brings a lot of pain, and for this reason, users often give up or postpone payment.

In the present invention, as described above, while separating the order and payment, it proposes a method that can be easier, convenient and secure payment in a convenience store. That is, when the user completes the order, the user can arbitrarily select a desired time to visit a convenience store in an arbitrary place and proceed with payment.

For payment, the user presents the payment amount together with the order number in the user terminal 110 at the convenience store (S235).

The presentation of the order number may be performed by the order number stored in the user terminal 110 transmitted from the user terminal 110 to the convenience store terminal 170 through short-range wireless communication, and the user stores the order number stored in the user terminal 110. Can be done by handing them directly to convenience store staff.

An example of a screen displayed on the user terminal 110 is shown in FIG. 4 in order to transmit the order number to short range wireless communication. 4 is a diagram illustrating a state in which the user terminal 110 may receive and transmit an order number.

The presentation of the payment amount can be handed to the user cash in convenience store staff. As such, if the payment is made in cash, there is no limit on the amount, there is no risk of personal information leakage, there is no limit on the age of use and there is no risk of bad debt. Of course, payment using cash is merely an example for convenience of explanation, and of course, payment using a cash card, debit card, credit card, etc. is also possible. In this case, the convenience store terminal 170 may be implemented to have a card payment function without using a separate card terminal.

The convenience store terminal 170 requests an authentication for the order number presented from the user terminal 110 to the mediation server 150 (S240). In particular, when the intermediary server 150 authenticates the order number from the convenience store terminal 170, the broker server 150 compares the payment amount information received with the order number from the convenience store terminal 170 with the order number and authenticates the order number.

As a result of the authentication, when the order number corresponds to the payment amount (S245-Y), that is, when the presented payment amount information is input to match the price of the product corresponding to the order number, the intermediation server 150 is connected to the online market server. The delivery instruction is sent to 130 (S250), and the payment is granted to the convenience store terminal 170 (S255).

When order and payment are separated in this way, most convenience stores are located in alleys that are easily accessible to users, and 24 hours a day, 24 hours a day, 24 hours a day, convenience store staff are working. And you can safely make payments.

5 is a flowchart illustrating a payment service providing method according to another embodiment of the present invention. Hereinafter, for convenience of description, portions overlapping with FIG. 2 will be omitted and description will be mainly given on portions distinguishing from FIG. 2.

The order (S305), order number request (S310) and order number generation (S315) for the product may include the order (S205), order number request (S210), and order number generation (S215) for the product described in FIG. The description is the same as or similar to the steps.

Thereafter, the mediation server 150 may provide the generated order number to the user terminal 110 directly without going through the online market server 130. To this end, the mediation server 150 stores the order information for the goods, information about the users who purchased or want to purchase the goods, payment information, payment history, delivery history, delivery status and the like.

That is, the mediation server 150 may directly transmit the generated order number to the user terminal 110 based on the pre-stored information on the user terminal 110, and compares the order number to the embodiment described with reference to FIG. 2. It is possible to reduce the burden on the online market server 130 to receive and deliver again.

Thereafter, the order number storage (S330), order number transmission (S335), authentication request (S340), check whether the order number and the payment amount (S345), delivery instructions (S350) and approval (S355) step, Figure Same as the steps of storing the order number (S230), order number transmission (S235), authentication request (S240), check whether the order number and payment amount (S245), delivery order (S250) and approval (S255) described in 2 The description will be omitted since they are similar or similar.

6 is a diagram showing a payment service providing system according to another embodiment of the present invention. In this embodiment, payment convenience is provided by transferring information about a nearby convenience store to the user terminal 110 based on the location of the user terminal 110.

First, when a user orders a product through the user terminal 110 (S405), the online market server 130 requests the order number for the goods ordered to the mediation server 150 (S410), the mediation server 150 ) Generates an order number as requested (S415).

Meanwhile, when the online market server 130 receives an order from the user terminal 110, the online market server 130 collects location information of the user terminal 110 on which the order is performed (S420). Of course, such collection of location information may be preceded by a procedure such as a user's consent through the user terminal 110.

The collected location information of the user terminal 110 is provided to the mediation server 150 (S425), the mediation server 150 is the location information of the surrounding convenience store terminal based on the location information of the user terminal 110 and the order number Together with the user terminal 110 to transmit (S435).

The user terminal 110 stores the received order number and provides it to the screen so that the user can select a convenience store based on the location information of the surrounding convenience store terminals (S435).

Examples of screens displayed on the user terminal 110 are illustrated in FIGS. 7 and 8 to provide a location of a nearby convenience store terminal. FIG. 7 is a diagram illustrating a state in which the user terminal 110 can identify a location of a neighboring convenience store terminal, and FIG. 8 is a diagram illustrating a map screen in which a position of a neighboring convenience store terminal is selected by selecting a map view icon.

As a result, the user can easily and conveniently find the convenience store terminal 170 and proceed with payment.

Thereafter, the order number transmission (S440), authentication request (S445), the order number and check whether the payment amount (S450), delivery instructions (S455) and approval (S460) steps, the order number transmission described in FIG. S235), the authentication request (S240), check whether the order number and the payment amount (S245), the delivery instructions (S250) and approval (S255), so the same or similar steps will be omitted.

9 is a flowchart illustrating a payment service providing method according to another embodiment of the present invention.

In this embodiment, the mediation server 150 will be described how the order and payment can be proceeded separately without generating a separate order number.

First, when a user orders a product through the user terminal 110 (S605), the online market server 130 transmits the ID of the user who ordered the product to the mediation server 150 (S610).

 For payment, the user presents a payment amount together with the user's ID at the convenience store (S615).

The convenience store terminal 170 requests authentication for the ID presented from the user terminal 110 to the mediation server 150 (S620). In particular, when the intermediary server 150 authenticates the ID from the convenience store terminal 170, the broker server 150 compares the payment amount information received with the ID from the convenience store terminal 170 with the ID and authenticates the ID.

As a result of the authentication, when the ID corresponds to the payment amount (S625-Y), that is, when the presented payment amount information is input to match the price of the product ordered by the ID, the mediation server 150 is the online market server 130 ) To make a delivery instruction (S630), and the payment is granted to the convenience store terminal 170 (S635).

In this way, it is possible to proceed by separating the order and payment using only the ID, thereby eliminating the need for the user to memorize the order number and the like or to store it in the user terminal 110.

On the other hand, the above-described ID is merely an example for convenience of description, and is not limited to the user's ID, but may be information that the user recognizes and can identify the user.

10 is a flowchart illustrating a payment service providing method according to another embodiment of the present invention.

In this embodiment, even if the order in the offline market instead of the online market will be described how the order and payment can be carried out separately.

In this case, when a user visits the offline market and tries to buy or try products, and then decides about the purchase, he proceeds to order and pay by revealing his intention to purchase the previously tried or used product using a telephone or the like. Will be.

As such, when a purchase intention is received from the user, the offline market receives the order of the product to the offline market terminal 190 provided in the offline market (S505).

After order number request (S510), order number generation (S515), order number delivery (S520), order number storage (S530), order number with payment amount (S535), authentication request (S540), order number and Checking whether the payment amount corresponds (S545), the delivery instruction (S550) and the approval (S555) step is the order number request (S310), order number generation (S315), order number delivery (S320), order number described in FIG. Save (S330), the order number with the payment amount (S335), authentication request (S340), check whether the order number and the payment amount (S345), the delivery instructions (S350) and the same as the steps of the approval (S355) or Similar descriptions will be omitted.

11 is a block diagram showing a specific configuration of the mediation server 150 described above. The mediation server 150 includes a personal identification number (PIN) generation server 151, a PIN POOL server 153, a PIN POOL verification server 155, a PIN validation server 157, and a transaction record keeping server 159. do.

The PIN generation server 151 generates a PIN, which is an example of the order information described above. Of course, the PIN is merely an example for explaining the above-described order information, and the present invention may be applied as it is even when implemented with order information other than the PIN. The same applies to the descriptions of the PIN POOL server 153, the PIN POOL confirmation server 155, the PIN validity verification server 157, and the transaction record keeping server 159.

The PIN POOL server 153 stores a predetermined number of PINs generated by the PIN generation server 151. That is, the PIN POOL server 153 serves as a buffer for temporarily storing the PIN generated by the PIN generation server 151 before transmitting it to the user terminal 110 or the online market server 130 through the network. .

The reason for storing the PIN by using the PIN POOL server 153 is, when the PIN generation server 151 immediately generates and transmits a PIN when transmitting the PIN to the user terminal 110 or the online market server 130. This is to prevent time delays. That is, when a PIN already generated using the PIN POOL server 153 is stored, the PIN can be immediately issued when there is a need to issue the PIN.

Another reason for storing the PIN by using the PIN POOL server 153 is that even when a problem occurs in the PIN generation server 151 and difficulty in generating or error occurs, the PIN POOL server 153 is generated. This is because the PIN stored in the user terminal 110 or the online market server 130 can be issued.

 Meanwhile, the number of PINs stored in the PIN POOL server 153 may be implemented to be set by an administrator.

The PIN POOL confirmation server 155 transmits a command to the PIN generation server 151 so that the PIN is generated in advance and stored in the PIN POOL server 153 according to a preset number by the administrator, and to the PIN POOL server 153. The server checks how many PINs are stored and manages / changes how many PINs are stored.

For example, when the unit of time for observing the PIN POOL server 153 is set to 1 minute, and the PINs filled in the PIN POOL server 153 are set to 10 PINs, the PIN POOL check server is a PIN POOL server 153 every minute. The number of PINs stored in) is checked. When the number of PINs stored in the PIN POOL server 153 is less than 10 due to such confirmation / observation, the PIN POOL confirmation server 155 generates a PIN and generates a PIN to be delivered to the PIN POOL server 153. The server 151 makes a request.

The PIN validity verification server 157 determines the validity of the PIN received from the convenience store terminal 170 through the network.

The transaction record keeping server 159 stores and records information about a series of operations performed by the mediation server 150 collectively. In particular, the transaction record keeping server 159 receives the information on the PIN generation history from the PIN generation server 151, receives the information on the PIN issuance history from the PIN POOL server 153, PIN validation server 157 Information regarding the PIN validity judgment history.

By using the PIN POOL method as described above, it is possible to immediately issue a PIN without being interrupted by a problem occurring in the mediation server 150.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is clearly understood that the same is by way of illustration and example only and is not to be construed as limiting the scope of the invention as defined by the appended claims. It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention.

110: user terminal 130: online market server
150: mediation server 170: convenience store terminal

Claims (11)

Ordering the goods;
Transmitting order information corresponding to the ordered product to a user terminal from an intermediary server that manages at least one of sale, payment, and delivery of the product;
Receiving the order information to a convenience store terminal;
Requesting, by the convenience store terminal, authentication for the order information to the mediation server; And
Approving the requested authentication by the mediation server; Payment service providing method comprising a. The method of claim 1,
Wherein,
When the product is ordered in an online market, requesting transmission of the order information from the online market server to the mediation server; And
In response to the transmission request, the order information is transmitted from the mediation server to the user terminal via the online market server, or directly from the mediation server to the user terminal without passing through the online market server; Payment service providing method, characterized in that. The method of claim 2,
And when the approval is completed, transmitting an approval completion message or payment completion message from the mediation server to at least one of the user terminal, the convenience store terminal, and the online market server. The method of claim 3, wherein
Wherein,
If it is determined that the transmission of the approval completion message or payment completion message has failed, the payment service providing method characterized in that the retransmission after a predetermined time. The method of claim 3, wherein
If the approval completion message or payment completion message is received, the step of preparing for delivery by the online market; Payment service providing method characterized in that it further comprises. The method of claim 1,
The authentication request step includes:
Information on the amount received together with the order information is sent to the intermediary server to request the authentication of the order information,
The approval step,
And the price information and the order information are compared by the intermediary server, and the requested authentication is approved when the price of the product matches the price. The method of claim 1,
The order information,
Providing a payment service, characterized in that at least one of the order number for the ordered product, the user's ID, the price and the purchase date of the product or a combination of the order number, the ID, the price, the purchase date. Way. The method of claim 1,
Wherein,
Method for providing a payment service, characterized in that the location information of the convenience store terminal capable of payment for the product is transmitted with the order information. The method of claim 8,
And providing the location information of the user terminal from the user terminal to the intermediate server.
Wherein,
The payment service providing method, characterized in that the location information of the convenience store terminal is transmitted based on the location information of the user terminal. The method of claim 1,
Wherein,
When the product is ordered in an offline market, requesting transmission of the order information through a terminal provided in the offline market; And
And in response to the request for transmitting, order information corresponding to the ordered product from the intermediary server to a user terminal. An online market server selling goods;
A user terminal for ordering goods in the online market server and receiving order information about the ordered goods;
An intermediary server for managing at least one of sales, payment, and delivery of the goods and transmitting the order information; And
When the order information is received, a convenience store terminal for requesting the authentication of the order information to the intermediary server and the approval of the requested authentication by the intermediary server;

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