KR20180003159A - a integrated processing system of the dealings and payment for products based on the oneline payment service - Google Patents

Abstract

The present invention relates to an integrated processing system for automatic transaction and payment of a sales product based on an online payment service, the integrated processing system comprising: an information recording medium for recording URL information and sales product information of an integrated transaction and payment processing proxy server; a payer terminal for displaying an online payment page generated by the integrated transaction and payment processing proxy server; and an integrated transaction and payment processing proxy server for performing a payment authorization process on behalf of a recipient. Accordingly, a payment for a sales product can be automatically processed.

Description

[0001] The present invention relates to an automated transaction processing system and an online transaction processing system, and more particularly,

The present invention relates to an automated transaction / payment integration processing system for an online settlement service, and more particularly, it relates to a system and a method for automatically processing an automated transaction / payment integration processing system, The payment processor can automatically process the payment using various online payment services desired by the payer for the transaction, thereby enabling the payer to perform transaction and settlement on order or purchase without restriction of time and space And a settlement service based automated merchandise transaction / settlement integrated processing system.

In general, at a coffee shop or a restaurant, when a customer visits a store, the customer goes to the counter and delivers cash or credit cards to the store employee at the same time as the order is placed, . However, when the user performs the order and payment at the counter as described above, it takes a lot of time for ordering and payment when a large number of users are crowded at the same time.

A general procedure of a conventional payer, that is, ordering or purchasing a sales item by a user, and receiving a sales item will be briefly described as follows.

The user must enter the store and go to the counter to place an order. In some cases, you must wait at the counter. Look at the menu installed around the next counter and make a payment by verbally delivering the desired selection menu to the staff of the counter. The next employee receives the vibration bell, goes to the table, and waits until the vibration bell operates. When the next vibration ring operates, go to the counter and pick up the ordered menu and return to the seat.

Thus, according to the conventional technique, the user takes much time to wait in a counter or a table for ordering, payment, waiting, and pick-up. The store is responsible for the cost of managing the vibrating bell. Menu provision and menu selection are monotonous, and user information is not reflected.

To solve such a problem, Korean Patent Laid-Open Publication No. 10-2015-0052456 (smart order management system and method of NFC function) allows a user to simultaneously order a plurality of users from a table without lining up at the counter, We propose a smart order management system and method of NFC function that overcomes the spatial limitation.

However, the above-mentioned prior art documents only a technical configuration in which a payer can easily order goods (including goods, goods, services, and the like), and the specific technical features Can not be presented, and in particular, it has not been able to disclose technical arrangements in which payment processing can be automatically processed, in addition to automatic agency transactions.

In addition, a variety of simple settlement service providers are constantly emerging through large-scale telecommunication / financial service companies' own standards, methods, and certifications. However, in the case of a recipient who wishes to sell goods and services through the service, he or she must have an environment capable of requesting payment, approval and settlement for the payer who wishes to use the service. That is, each recipient must subscribe, approve procedures, and provide, maintain, and manage specific devices associated with the individual services provided by each mobile / simple payment service provider.

Also, in the case of a payer who wishes to settle through the mobile / simple settlement service, there is a restriction to install an application necessary for use or to purchase a specific portable terminal device in order to use a specific simple settlement service.

As mentioned above, various mobile or simple payment services such as SSG of domestic Shinsegae, PACO of NHN Entertainment, Global Samsung-LGP, Apple Pay, PayPal and the like are continuously increasing.

In such a reality, the user (payer) has to join all the dozens of mobile / simple payment services to use the payment service supported online or offline, inconvenience to install the application on the smartphone or to manage the account .

Accordingly, there is a drawback that the payer (offline goods / service purchaser) and the payee (offline goods / service seller) are limited in utilizing various mobile / simple payment services. As a result, there is a demand for an integrated payment processing service (mobile payment service) integrated processing system that enables the purchaser and the receiver to purchase and sell goods / services through various mobile / simple payment services anytime and anywhere without restrictions, The solution technique is not presented.

Related Prior Art Document (Korean Patent Laid-Open Publication No. 10-2016-0022850) also discloses a simple payment service through a specific simple card payment service, and a variety of simple settlement services (mobile payment service ) Are not integrated into the technology that can support the payment service.

On the other hand, there are a lot of services that can only make payments online. For example, domestic Naver Pay or PayPal overseas correspond to online exclusive payment service. Such an online dedicated payment service has a disadvantage in that it is only possible to settle a payment in an online environment, but can not be paid in an offline environment.

As a result, the payer may incur additional time, effort, and expense such as the subscription procedure for the offline payment service and the application installation. In the case of the payee, the customer can only sell the goods / .

Korean Patent Laid-Open Publication No. 10-2016-0022850 (published on Feb. 15, 2016, entitled "Simplified Payment System in Electronic Commerce Using Network and Method Thereof" Korean Patent Laid-Open Publication No. 10-2015-0052456 (titled "smart order management system and method of NFC function", published on May 05,

Disclosure of Invention Technical Problem [8] Accordingly, the present invention has been made keeping in mind the above problems occurring in the prior art, and it is an object of the present invention to provide a method and system for automatically processing a transaction related to a purchase or purchase of goods An online settlement service that enables a settlement person to perform transactions and settlement regarding orders or purchases without restriction of time and space by configuring the settlement service to automatically process payment by using various online payment services desired by a payer And an automated transaction / settlement integrated transaction processing system.

In addition, the present invention can prevent the recipient from unnecessarily wasting time, money, and effort by not considering the order ticket issuing machine, the waiting ticket issuing machine, and the like for the sale item including the goods or the service, And an automatic transaction / payment integration processing system based on an online settlement service that can reduce the congestion of a retailer operated by a recipient.

In addition, the present invention prevents the purchaser, that is, the payer from lobbing at the store or facing dealers, so that the payer can avoid the time, effort and effort It is an object of the present invention to provide an automatic transaction / payment integration processing system based on an online settlement service that can reduce costs and enable sales items to be received in various ways.

In addition, the present invention provides an integrated automatic payment / sales transaction processing / settlement system based on an online payment service, which enables automatic settlement of payment for sales items using various online exclusive payment services desired by an unspecified number of payers even in an offline environment The purpose of that is to do.

In addition, the present invention can be configured to allow a purchaser to purchase or order a sale item (goods / service) through an online payment service that a payer himself / herself desires to use irrespective of an offline payment method recognized as an approval means in advance So that you can save time, effort, and money for subscribing to offline payment services and installing applications, and receive payments for your products through your preferred online payment service without being limited by space and time. And to provide an automated transaction / payment integration processing system based on an online settlement service.

Further, according to the present invention, payment can be made to a payer who wishes to use various online payment services that can not be provided with a service because the buyer himself / herself can not conclude a membership contract or the like necessary for the payment, The present invention has been made to solve the above problems, and it is an object of the present invention to provide an automatic transaction / payment integration processing system based on an online settlement service that can increase the possibility of increase.

According to an aspect of the present invention, there is provided a merchandise transaction and settlement processing system including an automated settlement system for merchandise automatic transaction / payment based on an online settlement service, , An information recording medium on which the collective transaction / settlement processing proxy server records the goods information and the sales information, information recorded on the information recording medium in a contact or non-contact manner, and automatically accesses the integrated transaction / payment processing proxy server A settlement terminal for displaying an on-line settlement page generated by the integrated transaction / settlement processing proxy server, the settlement display information including the above-mentioned commodity information being reflected, The online billing page with display information And an integrated transaction / payment processing proxy server for performing a payment approval process by proxy when the payment is selected by one of the at least one online payment services displayed on the online payment page .

And a payee terminal for generating sales item providing information to be notified to the payer when receiving a settlement approval completion notification from the integrated transaction / settlement processing proxy server and transmitting the generated information to the integrated transaction / settlement processing proxy server .

The information recording medium is characterized in that the information recording medium is a wireless tag or a recognizable code capable of recording the global information and the sales information.

In addition, the integrated transaction / settlement processing proxy server may include a settlement page generation unit for generating an online payment page reflecting the settlement indication information including the item information and the at least one online settlement service according to an instruction of the integrated transaction / settlement processing unit, The settlement progress information including the affiliation information may be transmitted to the provider of the online settlement service selected by the payer so that the settlement can proceed through the online settlement service selected by the payer, And an information storage unit for storing the association information related to each online settlement service provider formed in advance and the association information related to each recipient.

Here, the sales information to be recorded on the information recording medium necessarily includes sales shop affiliation information, sales item type information, store affiliation information, and sales item grouping type information, and may further comprise sales price information .

According to the integrated payment system automatic transaction / settlement integrated processing system based on the online settlement service of the present invention having the above technical problem and the solution, it is possible for the payer to make an order or purchase of goods (including goods and services) It is possible to automatically process the transaction and to automatically process the payment using various online payment services desired by the payer for the transaction. Therefore, it is possible to allow the payer to perform transaction or purchase related to the order or purchase without restriction of time and space, There is an advantage to be able to perform settlement.

Further, according to the present invention, since the addressee who operates the store does not consider the order ticket issuing machine, the ticket issuing machine, and the like for the sale items including the goods or services, the receiver does not unnecessarily waste time, money and effort And the congestion of the retailer operated by the receiver can be reduced.

In addition, according to the present invention, since the buyer, that is, the payer does not line up at the store or face the person in charge of the store, , Reduce effort and costs, and have the effect of allowing sales to be received in a variety of ways.

In addition, according to the present invention, since the bill payment for the sale item can be automatically processed using various online exclusive payment services desired by an unspecified number of payers even in an offline environment, it is possible to overcome the payment limitation of the online exclusive payment service It is possible to extend the range of the settlement utilization, further expand the selection range of the payer, and reduce the time, effort, and cost required to prepare the payee's online exclusive settlement service.

In addition, according to the present invention, it is possible to configure a purchaser to purchase or order a sale item (goods / service) through an online settlement service which a payer himself / herself desires to use irrespective of an offline payment method recognized as an approval means in advance Therefore, it is possible to save the time, effort and cost for subscription of offline payment service, application installation, etc., and it is possible to pay for the goods through the online settlement service There is an advantage to be able to receive.

In addition, according to the present invention, since payment can be made for a payer who wishes to use various online payment services that can not provide a corresponding service because the payee himself / herself can not conclude a franchise agreement or the like required for the payment, To increase the possibility of sales increase in sales.

FIG. 1 is a block diagram of a system for integrating an automated transaction / settlement system based on an online settlement service according to an embodiment of the present invention.
FIG. 2 is a flowchart of a payment processing method using an integrated online shopping system automatic transaction / settlement processing system according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a preferred embodiment of an automated settlement system for automated transaction / settlement based on online settlement service according to the present invention having the above-described problems, solutions and effects will be described in detail with reference to the accompanying drawings.

The sizes and shapes of the components shown in the drawings may be exaggerated for clarity and convenience. In addition, terms defined in consideration of the configuration and operation of the present invention may be changed according to the intention or custom of the user, the operator.

FIG. 1 is a block diagram of a system for integrating an automated transaction / settlement system based on an online settlement service according to an embodiment of the present invention. Referring to FIG.

As shown in FIG. 1, the integrated settlement system for automated goods transaction / payment based on online settlement service according to the present invention includes an information record medium 1 provided around a retailer operated by a recipient, A payer terminal 50 that has a buyer who wants to order or purchase a sold item, that is, a payer, who performs a transaction and a payment process with the payer, and a transaction process such as order or purchase on behalf of the payer and payee And an integrated transaction / settlement processing proxy server 30 that automatically performs the payment approval process with the payment service provider 3 on behalf of the recipient. And may further comprise a seller terminal, a payee terminal 11 held by the payee.

The information recording medium 1 is a basic component that enables a purchaser of a sales item, that is, a payer, to stand in line at a retail store and skip a transaction such as ordering or purchasing. The information recording medium 1 is provided around the retailer operated by the addressee, and records URL information and sales information of the integrated transaction / settlement processing server 30.

The retailer operated by the addressee may be a place selling commodities such as a restaurant or a coffee shop or a place selling admission tickets or use tickets such as amusement parks or water parks.

The information recording medium 1 may be provided around a retail store operated by the addressee. That is, the information recording medium 1 may be provided around a retail store selling goods such as a restaurant, a coffee shop, or the like, for example, inside or near the entrance, , And may be provided near the periphery.

Specifically, the information recording medium 1 is attached to a display that displays each item (menu) such as a point of purchase (POP), a menu plate, and a menu item (item to be sold) displayed in a coffee shop . That is, the information recording medium 1 is attached next to each sales item (menu) display character or figure displayed on the individual POP or menu plate showing each item (menu) to be sold in the vicinity of the restaurant or coffee shop . For example, the information recording medium 1 may be attached next to the letters "green tea", "espresso", "Americano", etc. corresponding to the respective menus displayed on the menu plate.

Of course, the information recording medium 1 may be affixed to an indication indicating the type of admission ticket or voucher to be provided at the entrance of a playground or a water park. For example, it may be attached to a POP indicating "all-day voucher", "half-day voucher", "free voucher" and the like.

Meanwhile, the information recording medium 1 may be provided through a web site operated by the retailer. For example, if a recipient who operates a specific restaurant manages the homepage, the respective sales items can be posted on the homepage, and the information recording medium 1 can be displayed in the form of a barcode next thereto. Then, the customer, that is, the payer, can perform the order and settlement at home or elsewhere without having to order and settle in the restaurant, and then move to the restaurant and receive the goods, and furthermore, It may be received.

The information recording medium 1 records the URL information of the integrated transaction / settlement processing proxy server 30 and further records the sales information such as the type of the goods (green tea, espresso, Americano, etc.) . Such real information and sales information are recognized by the payer terminal 50.

The payer terminal 50 recognizing the real information and the sales information automatically calls the integrated transaction / settlement processing server 30 corresponding to the real information, and then the integrated transaction / payment processing agency server 30, the payment person confirms the payment display information through the online payment page displayed, and selects the specific online payment service to allow the payment to proceed.

That is, the payer terminal 50 recognizes the information recorded on the information recording medium 1 in a contact or non-contact manner and automatically accesses the integrated transaction / payment processing proxy server 30, Payment display information is reflected and the online payment page generated by the integrated transaction / payment processing proxy server 30 is displayed. Then, the payer selects at least one online payment service displayed on the online payment page and requests the integrated transaction / settlement processing proxy server 30 to request the payment approval process to proceed with the selected online payment service do.

The payer can use the integrated payment / payment processing server 30 to process the payment for the goods using the desired online payment service in the offline environment. To this end, the payment terminal 50 should automatically access the integrated transaction / settlement processing proxy server 30 indicated by the URL information to access. Accordingly, the payer terminal 50 possessed by the payer must recognize the organic information that can automatically call the integrated transaction / settlement processing server 30 by various methods.

When the payer terminal 50 recognizes the URL information, the payer terminal 50 automatically executes the browser and connects the ebay. Then, the online payment page is displayed on the display unit of the payer terminal 50. That is, the payer terminal 50 recognizes the real information and automatically opens the online payment page.

Then, the holder of the payer terminal, that is, the payer, can recognize the payment display information (sales information, information including at least one online payment service information) reflected on the online payment page, To allow the integrated transaction / settlement processing proxy server 30 to proceed with an approval process for payment on the sales item. The payer terminal 50 displays the online payment page, and various online payment services are displayed on the online payment page. Accordingly, the payer selects the desired online payment service from among the plurality of displayed online payment services, so that the integrated transaction / settlement processing proxy server 30 can proceed the payment approval process through the selected online payment service do.

In summary, the payer terminal 50 recognizes the URL information recorded on the information recording medium 1 in a contact or non-contact manner so that the online payment page can be automatically opened, To select one of at least one online payment service displayed on the online payment page.

When the payer terminal 50 recognizes the local information and sales information recorded on the information recording medium 1, the integrated transaction / payment processing server 30 is automatically called through the local information. Then, the integrated transaction / settlement processing proxy server 30 automatically inquires the sales information and automatically generates an online payment page reflecting payment information including sales information, and displays the online payment page on the payer terminal 50.

The payment display information includes at least one payment service information. Accordingly, the payer selects one of at least one online payment service displayed on the online payment page, and then requests the integrated transaction / settlement processing proxy server to request the payment processing to proceed through the selected online payment service do.

That is, when the settlement server 50 automatically accesses the integrated transaction / payment processing proxy server 30, the integrated transaction / settlement processing proxy server 30 automatically generates and displays an online payment page reflecting the settlement display information including the goods information, If any one of the at least one online payment services displayed on the page is selected by the payer, the payer performs the payment approval process by acting as a recipient.

On the other hand, since the integrated transaction / settlement processing proxy server 30 processes the settlement of payment for the goods using the online settlement service on behalf of the remittee, the collective transaction / settlement processing server 30 pre- There is an affiliation agreement between the operators of the agency server, and the affiliation information including the unique code of the store is given to the recipient.

The store affiliation information including the unique code of the retailer for each recipient who has entered into the transaction execution agency process for order or purchase and the online payment service agency contract with the integrated transaction / payment processing proxy server 30 is transmitted to the integrated transaction / And stored in the information storage unit 34 of the processing proxy server 30. [

The sales information includes sales shop affiliation information including a unique code of the shop. Accordingly, the store affiliation information included in the sales information recognized by the payer terminal 50 can be transmitted to the integrated transaction / payment processing proxy server 30. [ Accordingly, the integrated transaction / settlement processing proxy server 30 can know who is the retailer who requested the proxy transaction for the order or purchase and the online payment service agent, that is, the payment / approval completion report, settlement Report to the recipient.

In this way, the integrated transaction / settlement processing proxy server 30 receives the result of the settlement approval with the selected online settlement service provider 3, and delivers the result to the store owner, that is, the receiver. To this end, the recipient has a recipient terminal 10 such as a POS terminal.

Upon receipt of the payment approval completion notification from the integrated transaction / settlement processing proxy server 30, the remittee terminal 10 additionally needs information related to the provision of the goods to be notified to the payer, that is, It generates the corresponding sales item providing information and transmits it to the integrated transaction / settlement processing proxy server 30. Then, the integrated transaction / settlement processing proxy server 30 displays the sales item provision information on the payer terminal 50.

That is, when the automated transaction / settlement integrated transaction processing system 100 based on the online settlement service according to the present invention receives the settlement approval completion notification from the integrated transaction / settlement processing proxy server 30, (10) for generating sales item providing information to be notified to the integrated transaction / settlement processing server (30) and transmitting the generated sales item providing information to the integrated transaction / settlement processing server (30).

When the payment approval is normally completed, the seller-provided information is automatically generated as the information about the items to be wondered before the seller provides the goods, for example, the order number, the estimated expected time, And can be transmitted to the payer through the processing proxy server 30. Since the retailer can generally process information such as order number, number of waiters, etc., the payee terminal 10 can be transmitted to the payee using the information.

According to the present invention constructed as described above, the integrated settlement system for automatic sales transaction / settlement 100 based on the online settlement service allows the settlement person to deal with the dealers, And can be rendered by the processing proxy server 30, it is possible to give benefits to the payer and the beneficiary.

Detailed technical features, operations, and functions of the components constituting the integrated automated sales transaction / payment processing system 100 based on the online settlement service according to the present invention will be described as follows.

As described above, the information recording medium 1 records the real information of the integrated transaction / payment processing proxy server 30 and the sales information. The information recording medium 1 may be variously configured. In the present invention, it is preferable that the information recording medium 1 is a radio tag or a recognizable code capable of recording the real information and the sales information.

The information recording medium 1 is recorded through various media so that the payer terminal 50 can recognize the URL information and the sales information through a short distance wireless communication method or through various code recognizers. That is, the information recording medium 1 may be configured so that the information including the organic information is recorded in a wireless recognition tag or converted into a recognizable code so as to be displayed, so that the payer terminal 50 can make contact or non- So that information including the global information can be recognized.

For example, the information recording medium 1 may be configured by recording the real information and the sales information in a radio tag such as an RFID or an NFC tag. Then, the payer terminal 50 can recognize the organic information and the sales information in proximity to the wireless recognition tag. Further, the information recording medium 1 can be constituted by recording the real information and the sales information in a recognizable code such as a barcode or a QR code. Then, the payer terminal 50 can recognize the organic information and the sales information through the built-in barcode or QR code recognizer.

As described above, the payer terminal 50 includes a pay-per-click recognition unit 51 for recognizing retail information and retail information recorded on the information recording medium 1, which can be attached next to each menu display character . The URL recognition unit 51 may be configured as a reader mounted on the payer terminal 50 and capable of reading local information and sales information recorded in the wireless recognition tag and may be configured as an application capable of recognizing the recognizable code . ≪ / RTI >

The real information and the product information recognized by the real-time recognition unit 51 are transmitted to the real-time connection unit 53. Then, the payload connection unit 53 analyzes the payload information and determines whether the payload structure is capable of calling the browser. As a result of the determination, if the URL structure is a structure capable of calling a browser, the browser is automatically executed, and the URL is automatically called and connected.

Then, the online settlement page generated by the integrated transaction / settlement processing proxy server 30 is displayed on the display unit of the payer terminal 50 by the operation of the universal connection unit 53. That is, when the real-information recognizing unit 51 recognizes the real information and the sales information, the real-connection unit 53 transmits the online payment page generated by the integrated transaction / payment processing proxy server so that the goods information is reflected. As shown in FIG.

When the online settlement page is automatically displayed by the operation between the massive collective payment unit 53 and the integrated transaction / settlement processing proxy server 30, the payer may receive at least one online payment service displayed on the online payment page , You can choose your preferred online payment service. Then, the integrated transaction / payment processing proxy server 30 proceeds with a payment approval process with the payment service provider 30 providing the online payment service selected by the payer.

As described above, the integrated transaction / settlement processing proxy server 30 automatically generates and displays an online payment page reflecting the settlement display information including the sales information when the settlement terminal 50 is automatically accessed, If any one of the at least one online payment services displayed on the online payment page is selected by the payer, the service provider plays a role of performing the payment approval process on behalf of the payee.

The integrated transaction / settlement processing proxy server 30 for this purpose generates a settlement page for generating an online payment page in which the settlement indication information including the above-mentioned goods information and at least one online payment service is reflected in accordance with an instruction of the integrated transaction / The page generating unit 31 generates an online payment page so that the online payment page generated by the payment page generating unit 31 is displayed on the payer terminal 50, Payment transaction processing unit 35 for requesting payment approval by transmitting the payment progress information including the payment progress information to the provider of the online payment service selected by the payer and the affiliate information related to each online payment service provider formed in advance and the affiliate information related to each recipient And an information storage unit 34 for storing information.

When an automatic call is generated from the payer terminal 50, the integrated transaction / settlement processing proxy server 30 inquires the sales information transmitted from the payer terminal and automatically generates an online payment page. Specifically, when a call is made from the payer terminal 50, the integrated transaction / payment processor 35 instructs the payment page generator 31 to generate an online payment page by transmitting the received sales information to the payment page generator 31 .

Then, the payment page generating unit 31 generates an online payment page reflecting the settlement indication information including the merchandise information and at least one online payment service according to an instruction of the integrated transaction / settlement processing unit 35. [ Then, the integrated transaction / settlement processing unit 35 enables the generated online payment page to be displayed on the payer terminal 50.

The sales information is information recorded on the information recording medium 1 and automatically transmitted to the integrated transaction / payment processing proxy server 30 according to the recognition of the payer terminal.

The sales information to be recorded on the information recording medium includes sales shop affiliation information, sales item type information, store affiliation information, and sales item grouping type information (information indicating the grouping type when the plurality of sales items are grouped, for example, Quot ;, " set 1 ", and the like), and may further comprise sales price information.

More specifically, the grouping type information may be a drink or the like having the same price, but corresponds to a name (for example, "set 1") in which grouped products having different prices, for example, . That is, the grouping type information corresponds to "set 1 ", and sales items grouped into the set 1 can be grouped into a plurality of items such as chicken burgers, cheese burgers, and bulgogi burgers.

These grouped sales items may have different prices, and the integrated transaction / settlement processing proxy server 30 displays the online payment page reflecting the grouped sales items and the price information corresponding to each sale item on the payer's terminal . Then, the payer can check all the grouped sales items displayed on the online payment page and select all, select a specific online payment service to request a payment process, or select only the desired sales item among the displayed grouped sales items, It is natural that you can choose the specific online payment service you want and ask for the payment process.

Specifically, the sales information recorded on the information recording medium includes retailer's affiliation information operated by the recipient, that is, a retailer unique code given in advance with an operator operating the integrated transaction / payment processing server 30 Must include affiliate information. Accordingly, the integrated transaction / settlement processing unit 35 can know who the seller, that is, the payee, who sells the goods to be ordered or purchased, is the payer. Therefore, when the settlement approval is completed, the integrated transaction / settlement processing unit 35 can perform the settlement approval completion notification and settlement process with the remittee through the post-processing unit 36. [

Further, the sales information recorded on the information recording medium necessarily includes any one of the sales item type information or the sales item grouping type information. That is, the information recording medium 1 necessarily includes information indicating a specific menu or specific article or the like to be displayed on its own, that is, sales item type information. For example, the sales information recorded on the information recording medium 1 necessarily records the sales item type information such as "green tea "," espresso ", and the like.

In addition, the sales information recorded on the information recording medium may include the sales item grouping type information instead of the sales item type information. Here, the sales item grouping type information indicates information related to a name and a name indicating the grouping when a plurality of items are grouped. For example, if the retailer has the same price for each of the items sold, such as coke, cider, and fanta, they can be grouped into a grouping of items labeled "beverage". Therefore, in such a case, the sales information to be recorded on the information recording medium necessarily includes the sales item grouping type information ("beverage number"), not the sales item type information (a name of each sale item such as a cola or a cider) Lt; / RTI >

On the other hand, the sales information recorded on the information recording medium 1 includes not only the sales shop affiliation information and the sales item type information (or sales item grouping type information) but also the sales price information (or the price information of each sale item included in the sales item grouping ). ≪ / RTI > The sales price information is information on the price of each sales item included in the grouping name displayed by the price of the sales item displayed in the sales item type information or the sales item grouping type information. For example, if the sales item displayed by the sales item type information is "green tea ", information on the price of the green tea or the sales information included in the grouping name (beverage etc.) displayed by the sales item grouping type information (Coke, cider, fanta, etc.).

The billing page generating unit 31 may use the sales item type information (sales name or code) or the sales item grouping type information (sales item grouping name or code), or may optionally add the sale price information And the online payment page can be created together.

If the sales information includes the sales item type information (sales name or code) (or the sales item grouping type information) and the sales price information, the payment page generation unit 31 uses the same Create an online payment page that reflects the type of sales order (or grouping type) and the price of the item (or the price of each item included in the grouping) that you want to order or purchase.

On the other hand, if the sales information does not include the sales price information but includes only the sales item type information (sales name or code) (or sales item grouping type information), the billing page generation unit 31 generates the billing page 34), extracts sales price information stored and managed corresponding to the sales item type information (or sales item grouping type information), and then uses the sales item type information (or sales item grouping type information) and the extracted sales price information An online payment page is created in which the payer orders or purchases the goods to be purchased (or the grouping type of the goods to be sold) and the sale price (the price of the sale item included in the grouping). In this case, the information storage unit 34 necessarily stores the price of the corresponding item (or the price of each item included in the grouping) corresponding to the item information of the item to be sold (or item group information of the item to be sold) .

Meanwhile, the payment page generating unit 31 reflects and displays at least one online payment service through which the integrated transaction / settlement processing unit 35 can perform the payment transaction. The at least one online settlement service that the integrated transaction / settlement processing unit 35 can act for may be an online settlement service provided by at least one online settlement service provider who is previously contracted by the operator of the integrated transaction / (3).

Specifically, the plurality of online settlement services is an online settlement service in which the integrated transaction / settlement processing proxy server 30 can perform payment processing on behalf of the retailer, that is, a payee. Accordingly, the integrated transaction / settlement processing server operator alliances with the plurality of online settlement service providers in advance, and receives and stores the affiliation information including the affiliate code in the information storage unit 34.

In the process of creating the online payment page, the payment page generating unit 31 not only displays and reflects the plurality of online payment services, but also recommends and reflects the online payment service most beneficial to the payer. That is, it displays the recommended online payment service on the online payment page.

To this end, the integrated transaction / settlement processing proxy server 30 according to the present invention may further comprise a settlement service recommender 33. [ The payment service recommendation unit 33 extracts and manages the online payment service most beneficial to the payer by referring to the affiliation information of each online payment service stored and managed in the information storage unit 34. [ Therefore, it is desirable that the affiliate information regarding each online settlement service stored in the information storage unit 34 is continuously updated, and accordingly, the online settlement service type to be recommended is also updated in the settlement service recommendation unit 33 .

In other words, the integrated transaction / settlement processing proxy server 30 according to the present invention not only supports payment processing to all online payment services desired by the payer, but also allows the settlement processing to be performed in consideration of benefits, If there is a profitable payment means (payment service), it is recognized by the payer and given an opportunity to decide whether or not to select it. Accordingly, the settlement service recommending unit 33 is preferably managed to store and update information on benefits, points, and the like for each online settlement service in advance.

As a result, the payment page generating unit 31 reflects the payment information in the process of generating the online payment page, reflects a plurality of types of online payment services, And displays the generated online payment page in the integrated transaction / payment processing unit 35 so that the payer can recognize the online payment page displayed on the payer terminal 50.

The payer may then select an online payment service he or she wishes to use for payment on the merchandise. At this time, the payer can select the recommended online payment service if payment can be made by his / her payment means.

When a specific online settlement service is selected by the payer as described above, the integrated transaction / settlement processing unit 35 of the integrated transaction / settlement processing proxy server 30 determines that the settlement can be performed through the online settlement service selected by the payer do. To this end, the integrated transaction / settlement processing unit 35 transmits the payment progress information including the affiliation information to the online settlement service provider 3 providing the online settlement service selected by the payer, and requests the settlement approval process. Herein, the payment progress information includes the settlement cost information as well as the affiliation information (a merchant code given in advance by an integrated transaction / settlement processing server in association with an online settlement service provider).

The integrated transaction / settlement processing unit 35 performs a settlement process with the settlement service provider 3 providing the selected on-line settlement service, that is, when the settlement process information is transmitted, And affiliation information such as an affiliate code (merchant code) given in association with the service provider 3 is also transmitted. Since the integrated transaction / settlement processing proxy server 30 acts as a payment processing agent for each online settlement service on behalf of the remittee (seller), the integrated transaction / settlement processing server 30 establishes an affiliation with each online settlement service provider, ) Are given affiliation information including.

The information of each online settlement service provider, affiliation information (merchant code), and the like are stored and managed in the information storage unit 34. That is, the information storage unit 34 may be configured to allow each of the online settlement service providers, which can provide at least one or more online settlement services that the payer can select, And stores and manages the affiliation information related to the provider.

Accordingly, the information storage unit 34 of the integrated transaction / payment processing proxy server 30 stores the affiliation information related to the affiliation with the new online payment service provider when the new online payment service is generated, do. That is, the information storage unit 34 needs to constantly update information when a new online settlement service occurs or when there is a change regarding the existing online settlement service. The integrated transaction / settlement processing proxy server 30 must have a pre-affiliation with all possible online settlement service providers, and each should have affiliate information including an affiliate code (merchant code).

Specifically, the information storage unit 34 stores the information on the affiliation made with all the online mobile / simple payment service providers so that the integrated transaction / payment processing proxy server 30 integrally supports the online payment service desired by the payer Save and manage. The online payment service provider and the affiliate information stored in the information storage unit 34 are continuously updated. That is, when a new online settlement service provider (business entity) is formed, the affiliation information is acquired and the affiliation information such as an affiliate code (merchant code) is acquired and stored in the information storage section.

Since the information and affiliation information of each online settlement service is stored and managed in the information storage unit 34 as described above, the integrated transaction / settlement processing unit 35 refers to the information storage unit 34 to determine whether the payee The affiliate information related to the selected online settlement service provider can be extracted. Accordingly, the integrated transaction / settlement processing unit 35 may proceed with the payment approval process while transmitting the payment progress information including the affiliation information (merchant code) and the payment amount to the online payment service provider 3.

The integrated transaction / settlement processing unit 35 transmits payment progress information including the payment amount and affiliation information (merchant point code) to the online payment service provider 3 providing the desired online payment service, do. Here, the affiliation information (merchant code) is not the unique information (retailer unique code) for the store of the recipient but is an affiliate code of the entity operating the integrated transaction / payment processing proxy server 30, Code).

Thereafter, the process proceeds in a similar manner to a payment approval process using a general online settlement service. However, the online settlement service provider 3 also transmits the approval result to the integrated transaction / settlement processing proxy server 30. Then, the integrated transaction / settlement processing proxy server 30 notifies the settlement terminal 50 and the payee terminal 10 of the completion of settlement approval, and thereafter performs settlement for the payout to be paid to the payee, Save and manage settlement information. Then, the settlement amount is notified to the remittee and the settlement is performed.

Meanwhile, the integrated transaction / settlement processing proxy server 30 according to the present invention further includes a post-processing unit 36. After the approval is completed and the payment processing is completed, the post-processing unit 36 calculates the amount to be paid to the remittee by using the purchased / deposited money through the online settlement service provider 3, arranges and stores the amount, Lt; / RTI >

As described above, when the settlement approval is completed, the post-processing unit 36 sends the goods to the sales-item providing unit 11 provided in the receiver terminal 11 according to the instruction of the integrated transaction / settlement processing unit 35 And notifies completion of payment approval. Then, the sales product provision processing unit 11 automatically generates information on the sales product providing information to be notified to the payer, for example, information on the order number, the number of waiters, the estimated time required for providing, and the like, and transmits the information to the post-processing unit 36 . Then, the integrated transaction / settlement processing unit 35 transmits the sales item provision information to the payer terminal.

That is, when receiving the payment approval completion notification from the post-processing unit 36 of the integrated transaction / settlement processing proxy server 30, the above-described sales product provision processing unit 11 generates sales product provision information to be notified to the payer, (36) to be transmitted to the payer terminal through the integrated transaction / settlement processing unit.

On the other hand, as described above, the sales information to be recorded on the information recording medium necessarily includes the sales shop affiliation information, the sales item type information, the store affiliation information, and the sales item grouping type information, and may further include the sales price information .

If the sales information to be recorded on the information recording medium includes only the store affiliation information and the sales item type information (or the sales item grouping type information), the integrated transaction / payment processing proxy server 30 determines (Or each of the sales items included in the sales grouping) is not received. Therefore, the payment page generating unit 31 can not display the price information of the sales item (or the price information of each sale item included in the sale item grouping) on the online payment page. Therefore, in this case, the information storage unit 34 must store the sales price information on the sales items displayed by the sales item type information (or the sales item grouping type information) (or the sales price information on each sale item included in the grouping) And stores and manages them in correspondence with the items to be sold.

On the other hand, if the sales information to be recorded on the information recording medium includes not only the sales shop affiliation information and the sales item type information (or the sales item grouping type information) but also the sales price information, the integrated transaction / The payer can receive all of the price information of the item to be ordered or purchased. Accordingly, the payment page generating unit 31 can display the price information of the sale item (or the price information of each sale item included in the grouping) as well as the type of the sale item (or the grouping type of the sale item) on the online payment page do. Therefore, in this case, the information storage unit 34 does not need to store and manage the sales item type information (or the sales item grouping type information) and the sales product price information.

The payment page generating unit 31 generates a payment page reflecting payment display information according to an instruction of the integrated transaction / settlement processing unit 35. The payment display information includes information such as the type of the goods to be sold, Price information, at least one payment service, and recommended payment services.

However, according to the present invention, the settlement page generating unit 31 may generate an online settlement page by reflecting the receipt method information of the settlement provider, have. That is, the payment display information may further include payment method information of the payer to be displayed on the online payment page.

The payer's receipt method information is information that allows the payer to receive confirmation of how to receive the goods on the order or transaction. That is, the information on the method of receiving the payer can be displayed on the online payment page, which is divided into field receipt (directly from the retailer), delivery receipt (receipt by delivery), reservation receipt .

When the payer selects the on-site receipt, the sales product provision processing unit 11 of the receiver terminal 10, which has been notified of the completion of the settlement approval, generates the sales product provision information including the order number, the number of waiters, To be transmitted to the payer terminal.

When the payer selects the receipt of delivery, the integrated transaction / settlement processing unit 35 requests the payer terminal 50 to input the goods receipt address and telephone number, and inputs the goods receipt address The postal processing unit 36 transmits the sales order delivery address and the telephone number to the sales product providing unit 11. [ Then, the sales product provision processing unit 11 of the receiver terminal 10, which has been notified of the completion of the payment approval, generates the sales product provision information including the expected delivery time and transmits it to the payer terminal, And allows the payer to receive delivery of the item through the telephone number.

When the payer selects the reservation receipt, the integrated transaction / settlement processor 35 requests the payer terminal 50 to input the goods receipt number and receipt reservation time information, and upon receipt of the payer, And the receipt reservation time information, the post-processing unit 36 transmits the goods receipt number and the receipt reservation time information to the sales-item provision processing unit 11. Then, the sales product provision processing unit 11 of the receiver terminal 10, which has been notified of the completion of the payment approval, generates the sales product provision information including the reception reservation time and transmits it to the settlement terminal, So that the payer can receive delivery of the above item or receive it directly.

On the other hand, since the information recording medium 1 records the log information and the sales information, it should not be deleted or altered by a third party. Therefore, the information recording medium 1 records the information in an encrypted form so that it can not be deleted or changed by a person other than a legitimate administrator, and information can be deleted or changed only by an authorized administrator or an authentication apparatus.

Further, since the information recording medium is attached to each menu or a character next to the item displaying the item to be sold, a plurality of information recording media are attached to the menu plate correspondingly to the respective menus. In this case, when the payer wants to recognize the information recorded on the specific information recording medium by the payer terminal, information recorded on another information recording medium may be recognized. In order to prevent this, when the information recording medium is attached in the form of a tag, a shielding function is added to the tag so that misrecognition can be prevented.

The following is a brief description of the automatic sales transaction / settlement integration process through the online settlement service automatic transaction / payment integration processing system according to the embodiment of the present invention, with reference to FIG. 2 attached hereto.

First, the payer determines his / her desired menu or sales item, and contacts his / her payment terminal to the information recording medium to automatically receive a transaction or settlement service related to the order or transaction. Then, the payer terminal of the payer recognizes the information recorded on the information recording medium (S10).

Then, the payer terminal automatically recognizes the URL information included in the recorded information, and automatically calls and accesses the integrated transaction / payment processing proxy server. Then, the integrated transaction / settlement processing proxy server generates and displays an online payment page using the merchandise information transmitted from the payer terminal (S20).

The payer confirms the online settlement page and selects one of the at least one online settlement services to request approval proceeding (S30). Then, the integrated transaction / payment processing proxy server transmits payment progress information including affiliation information (merchant code) to the payment service provider to request a payment approval process (S40).

When the settlement approval process is completed, the integrated transaction / settlement processing proxy server notifies the settlement terminal and the payee terminal of approval completion, respectively (S50). Then, the remittee terminal automatically generates sales item provision information such as an order number or the like to be notified to the payer, and transmits it to the integrated transaction / payment processing proxy server (S60).

Thereafter, the payer receives the sales item provision information from the integrated transaction / payment processing proxy server, and receives the sales item through a predetermined procedure (S70). Meanwhile, the integrated transaction / settlement processing proxy server transmits the settlement related information to the remittee terminal, and proceeds to settlement with the remittee afterwards.

Although the embodiments according to the present invention have been described, it is to be understood that various modifications and equivalent embodiments are possible without departing from the scope of the present invention. Accordingly, the true scope of the present invention should be determined by the following claims.

1: Information recording medium 3: Payment service provider
10: Recipient terminal 11:
30: integrated transaction / settlement processing proxy server 31:
33: Payment service recommendation unit 34: Information storage unit
35: Integrated Transaction / Payment Processing Unit 36: Post Processing Unit
50: Payer terminal 51:
53:
100: Integrated transaction processing system based on online payment service

Claims (5)

In a merchandise transaction and settlement processing system,
An information recording medium provided around a retailer operated by the addressee, the information recording medium recording the URL information and the sales information of the integrated transaction / settlement processing server;
The information recorded on the information recording medium is recognized in a contact or non-contact manner and is automatically connected to the integrated transaction / payment processing proxy server, and the payment display information including the goods information is reflected by the integrated transaction / payment processing proxy server A biller terminal for displaying the generated online payment page;
And automatically displaying and displaying an online settlement page including settlement display information including the item information when the settlement terminal is automatically accessed and displaying one of at least one online settlement services displayed on the online settlement page, And an integrated transaction / payment processing proxy server for performing a payment approval process on behalf of the payee if the payment transaction is selected.
The method according to claim 1,
And a payee terminal for generating sales item providing information to be notified to the payer when receiving a settlement approval completion notification from the integrated transaction / settlement processing proxy server and transmitting the generated sales item providing information to the integrated transaction / settlement processing proxy server Integrated transaction processing system based on online payment service.
The method according to claim 1 or 2,
Wherein the information recording medium is a wireless identification tag or a recognizable code capable of recording the real information and the sales information.
The method according to claim 1 or 2,
Wherein the integrated transaction / payment processing proxy server comprises: a payment page generation unit for generating an online payment page reflecting payment indication information including the goods information and at least one online payment service according to an instruction of an integrated transaction / payment processing unit; And transmits the payment progress information including the affiliation information to the provider of the online payment service selected by the payer so that the payment can proceed through the online payment service selected by the payer An integrated transaction / settlement processing unit for requesting payment approval, and an information storage unit for storing association information related to each online settlement service provider formed in advance and association information related to each recipient. The transaction / payment processing integration system.
The method of claim 4,
Wherein the sales information to be recorded on the information recording medium includes sales shop affiliation information, sales item type information, store affiliation information, and sales item grouping type information, and may further comprise sales price information. Service - based sales automated transaction / payment integrated processing system.

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