KR20190048153A - Method providing escrow service for remittance payment and server thereof - Google Patents

Abstract

The present invention relates to a method for providing escrow service for remittance based payment, and a server for conducting the same. The method comprises: a step of receiving an escrow request containing information for transaction amount, a buyer account, and a seller account from a first terminal; a step of comparing payable amount from the buyer account and the transaction amount; a step of setting suspension of payment for some amount of the payable amount from the buyer account corresponding to the transaction amount when the payable amount from the buyer account is larger than the transaction amount; a step of delivering escrow setting information for the transaction amount to a second terminal; and a step of transferring the transaction amount from the buyer account to the seller account after releasing the suspension of payment for some amount corresponding to the transaction amount when conditions for a transaction between a buyer and a seller are implemented. According to the present invention, it is possible to reduce or deduct commission charged for using escrow service.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a method for providing an escrow service for remittance-based settlement and a server for performing the method,

The present invention relates to a method of providing an escrow service when a transaction amount is paid using an account transfer and a server for performing the method.

Escrow is a trade protection service that transacts a third party to ensure that the transaction is smooth when the credit relationship between the buyer and the seller is uncertain. In the legal term, the term 'conditional transfer certificate' means escrow.

In other words, the 'conditional transfer certificate' is a document that promises to issue a specific item to a third party and to issue it to the other party if certain conditions are met. It is mainly used for real estate transactions. However, It is used as a 'payment settlement system' to check the delivery of goods after payment is made to the three parties and to pay the seller.

In the case of a conventional escrow service, a third party providing the escrow service stores the value of the goods paid by the buyer, and the third party pays the seller when the delivery of the goods is normally completed.

Accordingly, when the goods are not received or returned, the escrow service provider immediately refunds the value of the goods, so that the fraud damage through the Internet shopping mall can be prevented at the source. In addition, the seller has the advantage of reducing the cost of collecting the receivables, etc., which can be experienced when postpaid.

No. 10-2004-0033696 " Escrow service system and recording medium storing computer program source for the method and method thereof " discloses that escrow service system is provided by a buyer who purchases a product through a communication network and a seller who sells the product To agree to use the escrow service to the bank; Establishing a virtual account for the escrow by applying for the escrow service to the bank by the consensus; Depositing a price of a product purchased by the purchaser in the virtual account for the escrow; Requesting the bank to notify the seller of the payment of the goods from the buyer and deliver the goods; Delivering the goods to the purchaser by the seller informed of the fact that the payment is made from the bank; Selecting one of the purchase approval and the purchase rejection by the buyer receiving the product from the seller and notifying the bank of the selection; And if the buyer makes purchase approval, the bank pays the seller and the buyer rejects the purchase, the bank refunds the buyer, notifies the seller of the refund, or requests the seller to exchange the goods .

However, when using a conventional escrow service, a third party stores the transaction amount and delivers the transaction amount to the seller when there is a purchase decision action of the buyer through the delivery of the goods by the seller, so that the service use fee is generated to the seller.

An object of the present invention is to provide an efficient escrow service in payment using an account remittance and a server for performing the method.

A method of providing an escrow service for remittance-based settlement according to an embodiment of the present invention includes receiving an escrow settlement request from a first terminal, the escrow settlement request including a transaction amount, a buyer account, and a seller account information; Comparing the payable amount of the buyer's account with the transaction amount; Setting a payment stop for a portion of the amount of money corresponding to the transaction amount from the payable amount of the purchaser's account when the payable amount of the purchaser's account is larger than the transaction amount; Transmitting escrow setting information on the transaction amount to the second terminal; And transferring the transaction amount from the buyer account to the seller account after releasing the payment stop for a part of the amount corresponding to the transaction amount when the transaction condition between the buyer and the seller is fulfilled do.

A server according to an embodiment of the present invention includes: a communication unit for receiving an escrow settlement request including information on a transaction amount, a buyer account, and a seller account from a first terminal; If the payable amount of the buyer account is larger than the transaction amount, a payment stop amount is paid for a part of the payable amount of the buyer account corresponding to the transaction amount by comparing the payable amount of the buyer account with the transaction amount, An account setting unit for setting an account; And a transfer processor for transferring the transaction amount from the buyer account to the seller account when the transaction condition between the buyer and the seller is fulfilled.

Meanwhile, the escrow service providing method may be implemented by a computer-readable recording medium having recorded thereon a program for execution on a computer, and may be provided as a program itself.

According to an embodiment of the present invention, in providing the escrow service in the remittance-based settlement, the bank can set a payment stop for a part of the amount corresponding to the transaction amount among the payable amount of the purchaser account, The transaction amount can be transferred directly from the buyer account to the seller account when the transaction condition is fulfilled without depositing the transaction amount to the account of a third party such as a bank, thereby reducing or eliminating the fee charged for using the escrow service .

1 is a block diagram showing an embodiment of a billing system according to the present invention.
2 is a block diagram showing a configuration of a server according to an embodiment of the present invention.
3 is a flowchart illustrating an escrow service providing method performed by a server according to an embodiment of the present invention.
4 is a timing diagram for explaining an embodiment of a method of providing an escrow service in the settlement system according to the present invention.
5 to 9 are diagrams for explaining embodiments of a remittance-based payment processing method performed in a terminal.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a method of providing an escrow service for remittance-based settlement according to an embodiment of the present invention and a server for performing the method will be described in detail with reference to the accompanying drawings.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described.

Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

1 is a block diagram of a billing system according to an embodiment of the present invention. The billing system includes a purchaser terminal 10, a seller terminal 20, and a bank server 100 .

Referring to FIG. 1, a purchaser can use a remittance-based payment method for transferring a transaction amount from a bank account of a seller to a bank account of a seller in order to settle a transaction amount for an article or service provided from a seller.

In this case, the purchaser can make a purchase decision for the goods or services provided by the seller through the purchaser terminal 10, and designate an account to which the transaction amount is to be paid.

On the other hand, the seller delivers information on the goods or services provided by the seller terminal 20 to the purchaser terminal 10, and when the purchase request is received from the purchaser terminal 10, And transfer the account information to the buyer terminal 10.

The buyer terminal 10 or the seller terminal 20 may be a mobile phone, a smart phone, a personal computer (PC), a laptop computer, a tablet PC, a PDA (Personal Digital Assistants) However, the present invention is not limited thereto, and various other devices capable of inputting user information, displaying information, and communicating with a server may be used.

The bank server 100 is a server operated by a bank in which a buyer's account to which a transaction amount is paid is provided, and performs a role (for example, account transfer processing, account input / output history management, etc.) performed by a conventional bank server And to provide an escrow service according to an embodiment of the present invention.

The escrow service provided by the bank server 100 is a method in which a buyer transfers money to a seller on the premise that a transaction condition between a buyer and a seller is fulfilled, To ensure payment.

1, the bank server 100 is described as a single server type for convenience of description. However, the present invention is not limited thereto, and the bank server 100 may include a plurality of components (Or means) may be implemented in the form of two or more server groups, and the present invention is characterized in that it includes all the methods that can be inferred.

According to an embodiment of the present invention, in providing the escrow service in the remittance-based payment, the bank server 100 may set a payment stop for a part of the amount corresponding to the transaction amount among the payable amount of the purchaser's account, A payment guarantor escrow service for the transaction amount can be provided without intermediary of a separate virtual account or a third party account.

Hereinafter, the configuration and operation of the bank server 100 constituting the settlement system according to the present invention will be described in detail with reference to FIG. 2 and FIG.

The bank server 100 includes a communication unit 110, an account setting unit 120, a transfer processing unit 130, a deposit and withdrawal history management unit 130, (140) and a controller (150).

2, the communication unit 110 can receive an escrow settlement request from the purchaser terminal 10 by taking charge of data transmission / reception between the bank server 100, the purchaser terminal 10 and the seller terminal 20 .

The escrow settlement request is a request for a transaction price payment from an account opened by a buyer at a bank operating a bank server 100 for payment of a transaction price and a request for use of an escrow service for the transaction amount, Transaction amount, information about the buyer account and the seller account, and the like.

In response to the escrow settlement request, the account setting unit 120 compares the payable amount of the buyer account with the transaction amount, and when the payable amount of the purchaser account is larger than the transaction amount, A payment stop can be set for a part of the amount corresponding to the transaction amount.

In this case, payment does not stop for the whole account, but payment is stopped only for a part of the amount of the buyer's account. For the remaining amount of the allowable amount of the purchaser's account other than the above-mentioned partial amount, payment May be possible.

The information on the purchaser's account, for example, the payable amount and the input and output details are stored and managed in a database (DB) 160. Although the DB 160 is shown in the bank server 100 in FIG. 2 The present invention is not limited to this and DB 160 may exist outside the bank server 100.

On the other hand, if the payment stoppage is set for a part of the amount corresponding to the transaction amount in the buyer's account, the communication unit 110 can transmit the escrow setting information indicating that the payment guarantee for the transaction amount is completed to the seller terminal 20.

When the transaction condition between the buyer and the seller is fulfilled, the transfer processing unit 130 can transfer the transaction amount from the buyer account to the seller account.

For example, when the merchandise to be provided by the seller is delivered to the purchaser, the purchaser agrees to pay the purchase amount at the purchaser terminal 10, so that the bank server 100 can be informed of the fulfillment of the transaction condition with the seller , The account setting unit 120 may cancel the payment stop set for a certain amount of money corresponding to the transaction amount so that the transfer of the transaction amount to the seller account can be performed.

The deposit / withdrawal history management unit 140 causes the transfer information on the transaction amount to be stored in the DB 160, and more specifically, the account transfer information on the transaction amount together with the information To be stored in the DB 160 as a deposit / withdrawal history of the purchaser's account.

The control unit 150 controls the overall operation of the bank server 100 as described above. For example, the control unit 150 may store the payment maintenance related information set by the account setting unit 120 or the payment / Deposit / withdrawal history information, etc., in the DB 160 and transfer the account information stored in the DB 160 to other components.

FIG. 3 is a flowchart illustrating an escrow service providing method performed by a server according to an embodiment of the present invention. Referring to FIG. 3, there is shown a block diagram of a server according to an exemplary embodiment of the present invention, We will explain it by helping. Meanwhile, the description of the escrow service providing method shown in FIG. 3, which is the same as that described with reference to FIG. 1 and FIG. 2, will be omitted below.

Referring to FIG. 3, the communication unit 110 of the bank server 100 receives an escrow settlement request including the transaction amount, the buyer account, and the seller account from the buyer terminal 10 (step S310).

The control unit 150 confirms the payable amount of the buyer account using the DB 160, and checks whether the payable amount of the buyer account is equal to or greater than the transaction amount (step S320).

Here, the buyer's account is an account of an actual purchaser who has already opened a shop at a bank operating a bank server 100 and has deposited a predetermined amount, and provides a virtual account or an escrow service separately created for escrow settlement It is not a three-person account.

If it is determined that the payable amount of the purchaser account is larger than the transaction amount, the account setting unit 120 sets a payment stop for a part of the amount corresponding to the transaction amount among the payable amount of the buyer account (step S330).

Here, if the payable amount and the transaction amount of the buyer's account are the same, the payment stoppage may be set for the entire payable amount of the buyer's account.

After the payment stoppage is set for the amount corresponding to the transaction amount in the buyer's account, the communication unit 110 transmits the escrow setting information indicating that the payment is stopped for the transaction amount in the buyer account, (Step S340).

On the other hand, if it is determined in step S320 that the payable amount of the purchaser account is less than the transaction amount, the communication unit 110 transmits a settlement failure message to the buyer terminal 10 indicating that the escrow payment requested by the buyer has failed Step S350).

If the transaction condition is fulfilled, the transfer processing unit 130 transfers the transaction amount from the buyer account to the seller account (step S360) (Step S370).

For example, after the purchaser confirms whether or not the seller has completed the provision of the goods or services, the buyer terminal 10 can select the payment agreement or rejection for the transaction amount, and the transaction amount payment agreement or rejection request selected by the purchaser May be received from the buyer terminal (10) to the bank server (100) via the network (110).

When the payment agreement request for the transaction amount is received, the account setting unit 120 may cancel the payment stop for a part of money corresponding to the transaction amount set in the step S330, The transaction amount can be transferred from the buyer account to the seller account directly.

On the other hand, if a payment rejection request for the transaction amount is received, the account setting unit 120 can cancel the payment stop for the amount of money set in the step S330.

However, if the payment stoppage for a certain amount of money set in the buyer's account is canceled by the payment rejection request for the transaction amount, the information is transmitted to the seller terminal 20 before the payment maintenance is canceled, A confirmation process can be performed.

When the transfer of the transaction amount from the buyer account to the seller account is completed, the deposit / withdrawal history management unit 140 stores the account transfer information on the transaction amount together with the information on the goods or services provided by the seller as a deposit / (160).

According to another embodiment of the present invention, the seller can use the QR code to deliver the seller account information to be paid for the transaction amount to the buyer.

For this purpose, a QR code including information on the seller account is generated using the seller terminal 20, and the generated QR code can be photographed at the purchaser terminal 10 and the information included in the QR code can be obtained.

4 is a timing diagram for explaining an embodiment of a method of providing an escrow service in the settlement system according to the present invention.

Referring to FIG. 4, after the transaction between the buyer and the seller is determined, the seller terminal 20 generates a QR code including the transaction amount and the information about the transaction or the goods or service to be the object of the transaction (S401 And transmits the generated QR code to the purchaser terminal 10 (step S402).

The buyer terminal 10 obtains the transaction related information (e.g., at least a part of the seller account information, the transaction amount, and the goods information) included in the QR code transmitted from the seller terminal 20 (S403).

Thereafter, the purchaser terminal 10 transmits an escrow payment request (hereinafter referred to as an invoice request) to be transmitted to the bank server 100 using at least a part of the information obtained from the QR code and the buyer account information stored in the buyer terminal 10 And transmits the generated escrow settlement request to the bank server 100 (step S404).

For example, as shown in FIG. 5, the seller specifies the transaction amount, product information and account information in his smartphone 500, and then selects the "generate QR code" button 510 to select the specified information The QR code 520 may be generated.

The QR code 520 generated as described above is provided to the buyer on the off-line so that the QR code 520 can be photographed through the purchaser terminal 10, The seller account information, the transaction amount, and the product information, which are included.

Here, as a method for providing the buyer with the QR code 520 generated as described above, various paths can be exemplified.

As a basic first embodiment, the generated QR code 520 can be directly transmitted to the buyer terminal 10 or the buyer's smartphone 600 by selecting the "transmit QR code" button 530 directly.

As a second embodiment, the QR code 520 is uploaded to an operation server providing a separate web site, and the buyer transmits a QR code 520 output from the web site in response to the seller through a computer, And the seller account information, the transaction amount, and the product information included in the QR code 520 can be obtained by photographing the output QR code 520. Here, the purchaser may further perform an authentication process for confirming the QR code in the web site, and in authentication, the identification information corresponding to the seller may be input to the website.

In the third embodiment, the QR code 520 is displayed on the smartphone 500 of the seller, and the purchaser uses the smartphone 600 of the purchaser's terminal 10 or the purchaser to perform offline shooting The buyer can obtain the QR code 520 directly from the smartphone 600 of his or her own smartphone 600 as shown in Figure 6. For example, Quot; QR code shooting " button 620 to select the QR code 520 to obtain transaction amount, product information, seller account information, and the like.

The buyer confirms the information obtained from the QR code 520 and then selects the escrow settlement area 630 and presses the payment request button 640 so that the escrow payment request as described above is sent to the bank server 100. [ As shown in FIG.

According to another embodiment of the present invention, when the purchaser photographs the QR code 520 on the smartphone 600, the escrow payment request as described above is transmitted from the purchaser terminal 10 without additional user input And may be transmitted to the bank server 100.

On the other hand, the seller can select the "transmit QR code" button 530 on the smartphone 500 and transmit the generated QR code 520 to the purchaser terminal 10. In this case, May use the QR code 520 image received from the seller terminal 20 to obtain the information contained therein.

In response to the escrow payment request from the purchaser terminal 10, the bank server 100 confirms the payable amount deposited in the buyer account (step S405). If the determined payable amount is equal to or larger than the transaction amount, A payment stop is set for the amount corresponding to the transaction amount (step S405).

After the payment stoppage for the transaction amount is set in the purchaser account, the bank server 100 transmits the escrow setting information to the seller terminal 20 to inform that the payment for the transaction amount is guaranteed in step S406.

For example, as shown in FIG. 7, information (transaction amount, merchandise information, merchant account information, and buyer account information, etc.) of a transaction set as an escor may be displayed on the smartphone 500 of the seller as payment progress information After confirming the payment progress information, the seller can select the " proceed product delivery " button 540 and process the product to be the target of the transaction to be delivered to the purchaser.

After the buyer confirms the delivery of the commodity, the buyer terminal 10 inputs the payment agreement for the transaction amount in the buyer terminal 10, the buyer terminal 10 receives the user input for the transaction amount payment agreement (step S407) And requests the bank server 100 to pay the amount of money (S408).

In response to the transaction amount payment request from the purchaser terminal 10, the bank server 100 releases the payment stop for the amount corresponding to the transaction amount previously set in the buyer account (step S409) From the buyer account to the seller account (step S410).

For example, as shown in FIG. 8, the buyer selects the "payment consent" button 650 on the smartphone 600 after receipt of the goods, so that the payment for the transaction amount is requested to the bank server 100 can do.

On the other hand, if the merchandise is not actually delivered or a refund request is made, the purchaser selects the " refuse rejection " button 660 in the smartphone 600 so that the refusal of payment for the transaction amount is requested to the bank server 100 In this case, after the seller's confirmation, the payment suspension for the transaction amount in the buyer's account may be released.

After the transfer of the transaction amount from the buyer account to the seller account is completed in the bank server 100, the buyer selects the "deposit and withdrawal history inquiry" button 670 displayed on the smartphone 600 to immediately record the deposit and withdrawal details of the buyer account Can be confirmed.

9, the deposit and withdrawal details of the purchaser's account can be displayed on the screen of the smartphone 600. In the case of the transaction amount transfer, the goods or service that is the object of the transaction in the " May be additionally displayed.

The methods according to one embodiment of the present invention described above can be produced as a program to be executed in a computer. In addition, the program can be stored in a computer-readable recording medium. Examples of the computer-readable recording medium include a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, And may also be implemented in the form of a carrier wave (e.g., transmission over the Internet).

The computer readable recording medium may be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner. And, functional programs, codes and code segments for implementing the above method can be easily inferred by programmers of the technical field to which the present invention belongs.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, It will be understood by those skilled in the art that various changes and modifications may be made by those skilled in the art without departing from the spirit and scope of the present invention.

Claims (15)

A method for providing an escrow service of a bank server,
Receiving an escrow settlement request from a first terminal, the escrow settlement request including information on a transaction amount, a buyer account, and a seller account;
Comparing the payable amount of the buyer's account with the transaction amount;
Setting a payment stop for a portion of the amount of money corresponding to the transaction amount from the payable amount of the purchaser's account when the payable amount of the purchaser's account is larger than the transaction amount;
Transmitting escrow setting information on the transaction amount to the second terminal; And
When the transaction condition between the buyer and the seller is fulfilled, releasing the payment stop for a part of the amount corresponding to the transaction amount and transferring the transaction amount from the buyer account to the seller account Way. The method of claim 1, wherein the buyer account
Wherein the buyer opens an account at a bank operating the bank server and deposits a certain amount of money. The method of claim 1,
And directly from the buyer account to the seller account without going through a separate account. 2. The method according to claim 1,
And receiving from the buyer terminal a payment agreement or rejection request for the transaction amount. The method according to claim 1,
Receiving information on an article or service to be a subject of the transaction; And
And storing information on the goods or services together with the account transfer information on the transaction amount in a database as deposit and withdrawal details for the buyer account. The method according to claim 1,
A QR code including information on the seller account is generated using the second terminal,
Wherein the QR code is captured at the buyer terminal and information contained in the QR code is obtained. 7. The method of claim 6, wherein the QR code
And further comprising information on the transaction amount and the goods or services to be the subject of the transaction. The method according to claim 6,
Wherein an escrow payment request to be sent to the bank server is generated at the buyer terminal using at least some of the information obtained from the QR code and the buyer account information stored in the first terminal. The method according to claim 6,
Wherein the escrow payment request is transmitted from the first terminal to the bank server after the QR code is captured and without further user input. A server for providing an escrow service in remittance-based settlement,
A communication unit for receiving an escrow settlement request from the first terminal, the escrow settlement request including information on a transaction amount, a buyer account, and a seller account;
If the payable amount of the buyer account is larger than the transaction amount, a payment stop amount is paid for a part of the payable amount of the buyer account corresponding to the transaction amount by comparing the payable amount of the buyer account with the transaction amount, An account setting unit for setting an account; And
And a transfer processor for transferring the transaction amount from the buyer account to the seller account when the transaction condition between the buyer and the seller is fulfilled. 11. The method of claim 10,
The buyer account
Wherein the buyer opens an account at a bank operating the server and deposits a certain amount of money. 11. The apparatus according to claim 10, wherein the communication unit
And transmits the escrow setting information for the transaction amount to the second terminal after the payment stoppage is set for a part of the amount corresponding to the transaction amount in the buyer's account. 11. The system according to claim 10, wherein the account setting unit
And when the payment agreement or rejection request for the transaction amount is received from the purchaser terminal, suspends the payment stop for a part of the amount corresponding to the transaction amount. 11. The method of claim 10,
A QR code including information on the seller account, the transaction amount, and an article or service to be a subject of the transaction is generated using the second terminal, the QR code is photographed by the first terminal, The server on which the contained information is obtained. 15. The method of claim 14,
Wherein the first terminal generates an escrow payment request to be transmitted to the server using at least a part of the information obtained from the QR code and the buyer account information stored in the first terminal.

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