JP6446499B2 - Method and system for processing settlement - Google Patents

Description

  The following description relates to a method and system for processing payments.

  When a user intends to purchase goods or services by telephone order, such as ordering / delivery using a telephone, the user calls the desired company's telephone number using the telephone, and the desired product And ordering services. In this case, a person on the company side (for example, a delivery person) visits a place desired by the user, such as the user's home, in order to provide the ordered goods or services, and cash or Payment by telephone order is processed using a credit card or the like.

  At this time, there is a conventional technique for processing settlement for an order when placing an order by telephone for convenience of settlement and processing of a receipt. For example, Patent Document 1 relates to a price settlement system by telephone order and a method thereof. When a caller places an order using a telephone, the receiver and the caller are authenticated at the same time as the telephone order. It discloses a technology that can execute settlement, issue of receipts for transactions, and the like. However, such a conventional technique has a problem that the telephone network for ordering calls and the settlement server are required to be settled. Furthermore, from the viewpoint of the orderer, there is a problem that the final settlement amount determined by the telephone order has to be involved in actual settlement again.

Korean Published Patent No. 10-2005-0106209

  Provided is a settlement processing method and system capable of pre-authenticating settlement by order using telephone or chat before ordering and post-processing actual settlement after order without user involvement.

  Provided is a settlement processing method and system capable of enhancing the safety of settlement because orders can be placed without providing user settlement information to the company by pre-authentication before ordering.

  A method of processing a payment in a payment server, wherein a password is received from the electronic device before connection for ordering between the electronic device and the company, a product that the user of the electronic device intends to order from the company, or There is provided a payment processing method including a step of pre-authenticating a payment for a service with the password before processing of an actual payment, and a step of transmitting order information based on the pre-authentication to a company side device.

  According to one aspect, the payment processing method further includes providing a user interface page for receiving the password and transmitting the password to the payment server, and through the medium for providing information about the company, the user interface An order function including a link to a page may be provided in association with information about the company.

  According to another aspect, the user interface page is provided to the electronic device when the order function is selected in the electronic device that has received the information about the company and the order function through the medium, and the password is provided. In the receiving step, a password input to the user interface page provided to the electronic device may be received.

  According to another aspect, the medium may include at least a portal site that provides a search service, and may provide information about the company and the order function through the search service.

  According to another aspect, in the pre-authentication step, the payment may be pre-authenticated by a password of a simple payment service input to a user interface page provided by the user using the order function. .

  According to another aspect, the link included in the order function includes (1) an online document provided through the medium, (2) an online or offline image code provided through the medium, or (3 ) It may be included in at least one message of SMS (Short Message Service) message, MMS (Multimedia Message Service) message, and instant message provided in association with the medium or the company.

  According to another aspect, the order information may include an order number corresponding to an order between the electronic device and a company and a telephone number of a user of the electronic device.

  According to another aspect, an order is confirmed using the information input from the manager of the company and the order information by the connection between the electronic device and the company, and the settlement processing method includes: The method may further include receiving a payment request by confirming the order from the device and post-processing an actual payment for the requested payment amount with the password according to the received request.

  According to another aspect, the password includes a simple payment password for a simple payment service provided by the payment server, and the step of post-processing the actual payment is pre-registered in the simple payment service. Communication with a settlement institution server corresponding to the settlement means of the user, and pre-authentication with the simplified settlement password may be post-processed for the settlement amount.

  According to another aspect, the user in the simple settlement service for pre-authentication is identified by identifying the user in a medium that provides a link to a user interface page for inputting the password. It's okay.

  According to another aspect, the connection for ordering between the electronic device and the company may include a connection using a telephone call or a connection using a chat service.

  A payment processing system of a payment server for processing payments, comprising at least one processor implemented to execute computer readable instructions, said at least one processor for ordering between an electronic device and a company A password is received from the electronic device before connection, and payment for goods or services that the user of the electronic device intends to order from the company is pre-authenticated with the password before processing of the actual payment, Provided is a settlement processing system that controls to send order information by pre-authentication to company equipment.

  A method of processing a payment in an electronic device, the step of recognizing a user's selection input for an order function with a company related to an order, and receiving a user interface associated with the order function by the recognized selection input. Providing a payment processing method, including: displaying a password input to the user interface to a payment server; and trying a connection for an order with the company.

  It is possible to pre-authenticate payment by order using telephone or chat before ordering, and post-process the actual payment after ordering without user involvement.

  Further, pre-authentication before ordering allows the order to be placed without providing the user's payment information to the company side, thereby improving the security of payment.

It is the figure which showed the example of the network environment in one Embodiment of this invention. It is a block diagram for demonstrating the internal structure of the electronic device and server in one Embodiment of this invention. It is the figure which showed the example of the concrete telephone order and payment environment in one Embodiment of this invention. It is the figure which showed the 1st example of the condition where the telephone order function is selected in one Embodiment of this invention. FIG. 6 is a diagram illustrating an example in which a user interface for entering a password is provided when a telephone order function is selected according to an exemplary embodiment of the present invention. It is the figure which showed the example of the screen which guide | induces registration to the payment service for simple payment in one Embodiment of this invention. It is the figure which showed the example of the POS screen of a company in one Embodiment of this invention. It is the figure which showed the example of a telephone call between the orderer and the manager of a company in one Embodiment of this invention. It is the figure which showed the other example of the POS screen of a company in one Embodiment of this invention. It is the figure which showed the example of the notification provided to an orderer in one Embodiment of this invention. The example in which the link containing the telephone order function in one Embodiment of this invention is contained in a two-dimensional code is shown. The example of the link contained in the message in one embodiment of the present invention is shown. It is the block diagram which showed the example of the component which the processor of a payment server in one Embodiment of this invention can contain. 6 is a flowchart illustrating an example of a method that can be executed by a payment server in an embodiment of the present invention. It is the block diagram which showed the example of the component which the processor of the company side apparatus can contain in one Embodiment of this invention. It is the flowchart which showed the example of the method which the company side apparatus can perform in one Embodiment of this invention. FIG. 3 is a block diagram illustrating an example of components that can be included in a processor of an orderer's electronic device according to an embodiment of the present invention. 6 is a flowchart illustrating an example of a method that can be executed by an orderer's electronic device according to an exemplary embodiment of the present invention.

  Hereinafter, embodiments will be described in detail with reference to the accompanying drawings.

  FIG. 1 is a diagram showing an example of a network environment in an embodiment of the present invention. The network environment of FIG. 1 shows an example including a plurality of electronic devices 110, 120, 130, 140, a server 150, and a network 170. FIG. 1 is merely an example for explaining the invention, and the number of electronic devices and the number of servers are not limited as shown in FIG.

  The plurality of electronic devices 110, 120, 130, and 140 may be fixed terminals or mobile terminals that are realized by a computer device. Examples of the plurality of electronic devices 110, 120, 130, and 140 include a smartphone, a mobile phone, a navigation, a computer, a notebook computer, a digital broadcasting terminal, a PDA (Personal Digital Assistant), a PMP (Portable Multimedia Player), and a tablet PC. POS (Point Of Sales) terminals. As an example, FIG. 1 shows the shape of a smartphone as an example of the electronic device 1 (110). However, in the embodiment of the present invention, a wireless or wired communication system is substantially used, and other devices are connected via the network 170. One of various devices capable of communicating with the electronic devices 120, 130, 140 and / or the server 150.

  The communication method is not limited, and not only a communication method using a communication network (for example, a mobile communication network, a wired Internet, a wireless Internet, a broadcast network) that can be included in the network 170 but also a short distance between devices. Wireless communication may be included. For example, the network 170 includes a PAN (personal area network), a LAN (local area network), a MAN (metropolitan area network, etc.), a WAN (wide area network, etc.), a WAN (wide area network, etc.), and a WAN (wide area network, etc.). One or more of any of the networks may be included. Further, the network 170 may include any one or more of network topologies including a bus network, a star network, a ring network, a mesh network, a star-bus network, a tree or a hierarchical network, etc. It is not limited to these.

  The server 150 may be realized by a computer device or a plurality of computer devices that communicate with a plurality of electronic devices 110, 120, 130, and 140 via the network 170 to provide instructions, codes, files, contents, services, and the like. For example, the server 150 may be a payment server that provides a simple payment service to a plurality of electronic devices 110, 120, 130, and 140 connected via a network. Simple payment service allows users to make payments simply by entering a password for simple payment from the next time, even if they do not have a public certificate or text message authentication, if they register the card or bank account used for the first payment. It is a service that can be used from product search and payment to reimbursement at the same time, without using procedures such as shopping mall membership registration and delivery address input, using the portal site ID alone, Services such as WebToon) that can settle digital contents have become commonplace. In the embodiment of the present invention, the server 150 uses such a simple settlement service, pre-authenticates the settlement by the order between the user and the company before the connection for the order between the user and the company administrator, You may implement | achieve the payment processing system for providing the payment service which can post-process an actual payment later. In this embodiment, for convenience of explanation, it is described that one server 150 implements a payment processing system. However, the server 150 includes a plurality of server devices that cooperate to implement a payment processing system. May be included.

  FIG. 2 is a block diagram for explaining the internal configuration of the electronic device and the server in one embodiment of the present invention. 2, the internal configuration of the electronic device 1 (110) and the electronic device 2 (120) will be described as an example for the electronic device, and the internal configuration of the server 150 will be described as an example for one server. Other electronic devices 130 and 140 may also have the same or similar internal configuration as electronic device 1 (110) and electronic device 2 (120).

  The electronic device 1 (110), the electronic device 2 (120), and the server 150 include memories 211, 221, 231, processors 212, 222, 232, communication modules 213, 223, 233, and input / output interfaces 214, 224, 234 may be included. The memories 211, 221, and 231 are computer-readable storage media, and include a random access memory (RAM), a read only memory (ROM), and a permanent mass storage device such as a disk drive. It's okay. Here, the ROM and the permanent mass storage device may be separated from the memories 211, 221, and 231 and included as separate permanent storage devices. The memories 211, 221, and 231 include an operating system, at least one program code (for example, a browser installed and driven in the electronic device 1 (110), an application for providing a specific service, and the like). May be stored. Such software components may be loaded from a computer-readable storage medium separate from the memories 211, 221, and 231. Such other computer readable storage media may include computer readable storage media such as floppy drives, disks, tapes, DVD / CD-ROM drives, memory cards, and the like. In other embodiments, the software components may be loaded into the memories 211, 221, 231 through the communication modules 213, 223, 233 that are not computer readable storage media. For example, the at least one program is based on a program (for example, the above-described application) installed by a file distribution system that distributes an installation file of a developer or an application via a network 170, based on the memories 211, 221. 231 may be loaded.

  The processors 212, 222, 232 may be configured to process computer program instructions by performing basic arithmetic, logic, and input / output operations. The instructions may be provided to the processors 212, 222, 232 by the memories 211, 221, 231 or the communication modules 213, 223, 233. For example, the processors 212, 222, 232 may be configured to execute instructions received in accordance with program code stored in a storage device such as the memories 211, 221, 231.

  The communication modules 213, 223, and 233 may provide a function for the electronic device 1 (110), the electronic device 2 (120), and the server 150 to communicate with each other via the network 170, or other electronic devices. (As an example, a function for communicating with the electronic device 3 (130)) may be provided. As an example, a request (for example, a request for a messenger service) generated by the processor 212 of the electronic device 1 (110) according to a program code stored in a storage device such as the memory 211 is a network according to the control of the communication module 213. It may be transmitted to the server 150 via 170. On the contrary, control signals, commands, contents, files, and the like provided in accordance with the control of the processor 222 of the server 150 are transmitted via the communication module 223 and the network 170 through the communication module 213 of the electronic device 1 (110). (110) may be received. For example, the control signal or command of the server 150 received through the communication module 213 may be transmitted to the processor 212 or the memory 211, and the content or file is stored in a storage medium that can be further included in the electronic device 1 (110). May be.

  Input / output interfaces 214, 234 may be a means for interfacing with input / output devices 215, 235. For example, the input device may include a device such as a keyboard or a mouse, and the output device may include a device such as a display. As another example, the input / output interfaces 214, 234 may be a means for interfacing with a device that integrates functions for input and output, such as a touch screen. The input / output interface 224 of the server 150 is also a means for interfacing with an input and / or output device (not shown) that can be connected to or included in the server 150. Good. As a specific example, the processor 212 of the electronic device 1 (110) is configured using data provided by the server 150 or the electronic device 2 (120) when processing instructions of the computer program loaded in the memory 211. The service screen and content to be displayed may be displayed on the display through the input / output interface 214.

  In other embodiments, electronic device 1 (110), electronic device 2 (120), and server 150 may include more components than the components of FIG. However, most prior art components need not be clearly illustrated in the figure. For example, the electronic device 1 (110) may be realized so as to include at least a part of the above-described input / output device 215, a transceiver, a GPS (Global Positioning System) module, a camera, various sensors, a database, and the like. It may further include other components such as As a specific example, when the electronic device 1 (110) is a smartphone, an acceleration sensor, a gyro sensor, a camera, various physical buttons, buttons using a touch panel, an input / output port, It will be appreciated that various components, such as a vibrator for vibration, may be implemented to be further included in the electronic device 1 (110). In this case, the communication module 213 of the electronic device 1 (110) may further include a function for making a call with a wired / wireless telephone via the telephone network, and the network 170 may include a telephone network.

  FIG. 3 is a diagram illustrating an example of a specific telephone order and settlement environment in an embodiment of the present invention. FIG. 3 shows the orderer's electronic device 310, company telephone 320, company side device 330, and payment server 340.

  As an example, the orderer's electronic device 310 may be realized as the electronic device 1 (110) described above, and communicates with the settlement server 340 via the network 170 and communicates with the company's telephone 320 via the telephone network. Devices such as smartphones that can be included.

  The company telephone 320 may be a device that can communicate with the orderer's electronic device 310 via a wired or wireless telephone network. Moreover, the company side apparatus 330 may be implement | achieved like the electronic device 2 (120) mentioned above as an example, and may generally include the function and / or component for POS (Point Of Sales). . The company telephone 320 and the company side device 330 are expressed as separate devices in FIG. 3, but may be realized by one device depending on the embodiment. For example, as in POS with a call function or vice versa, the call function with the orderer's electronic device 310 and the POS function may all be realized with one device. In addition, the company side device 330 may further include a function for communicating with the settlement server 340 via the network 170. The company side device 330 may be a company terminal including a POS function, but may be a company side server that communicates with a plurality of POS terminals in some embodiments. The manager of the company side device 330 may mean a company employee (for example, a sales floor manager, a sales floor staff, or a telemarketer) that receives and processes orders from customers.

  As an example, the settlement server 340 may be realized as the server 150 described above with reference to FIGS. 1 and 2, and pre-authenticates to the orderer's electronic device 310 and the company-side device 330 using a simple settlement service. And a service for post-settlement processing.

  In one embodiment, the payment server 340 may be included in or linked to a portal system that provides various services such as search, shopping, email, and map based on the portal site, and allows simple payment to the portal system user. May be used to provide services. Here, the user can use the simple payment service by using an identifier in the portal system without registering as a member at various member stores of the simple payment service. For example, the user of the simple settlement service may be identified using a user identifier that is an ID in the portal site, contact information at the time of order (for example, the telephone number of the orderer) or other simple settlement service The user may be identified by, for example, linkage. The other simple payment service may mean a simple payment service provided from a third party system linked to the payment server 340, which is not a simple payment service provided by the payment server 340. For example, the payment server 340 may link the service with another simple payment service, and may receive the user password registered in the other simple payment service and process the payment of the order according to the embodiment of the present invention. Is possible.

  1. The process of selecting the telephone order function may be an example of a process in which the telephone order function with the company related to the telephone order is selected by the user in the orderer's electronic device 310. Here, the phone order function includes a link included in an online document, a link included in an image code, or a link provided by an SMS (Short Message Service), an MMS (Multimedia Message Service), or an instant message. Often, an orderer who uses a telephone order function to place a telephone order with a company selects a link (for example, touches a link area displayed on the screen of the electronic device 310 in a touch screen environment). An order function may be selected. For example, the portal system described above may provide the orderer with a page including a search result based on a search term input by the orderer through the search service (hereinafter referred to as “search result page”). May include a phone order function with a particular company.

  In this case, the user interface associated with the telephone order function may be provided to the orderer through the electronic device 310 by the orderer selecting the telephone order function. For example, the payment server 340 generates a page (hereinafter referred to as a user interface page) including a user interface for receiving an input of a password for simple payment, and positional information (for example, a user interface) for accessing the user interface page. A URL (Uniform Resource Locator) of the page may be provided, where the telephone order function included in association with a specific company on the search result page described above is the location information provided by the payment server 340 in the form of a link. When the orderer selects a telephone order function included in the search result page, the user interface page may be provided to the orderer through the corresponding link. If you select a link, the user interface Source code for configuring the face page may be transmitted to the electronic device 310, the browser of the electronic device 310 configures the user interface page based on the source code, and the user interface page is displayed on the screen of the electronic device 310. Good.

  It is assumed that the orderer is a user who is registered as a member in the above-described simple settlement service and who has registered the settlement means. If the orderer is not a member of the simple payment service or the payment means of the orderer is not registered in the payment server 340, the process for member registration and / or the process for registration of the payment means is performed on the user interface page. It may be done before the offer.

  Further, when the orderer selects a telephone order function linked to a specific company, the settlement server 340 may identify the corresponding company. The settlement server 340 may construct and manage information on member stores as a database, and when a telephone order function linked to a specific company is selected, information for identifying the company is the settlement server 340. Is sent to the payment server 340, the payment server 340 can grasp information about the company that the orderer intends to try the telephone order.

  As described above, the link to the user interface page by the telephone order function may be provided to the orderer's electronic device 310 not only by the online document but also by an image code and various messages.

  2. The process of transmitting the password may be an example of a process in which the orderer's electronic device 310 transmits the password input to the user interface of the above-described user interface page to the payment server 340. For example, when the orderer inputs the password in the provided user interface, the input password may be transmitted to the settlement server 340 through the user interface page.

  3. The process of pre-authenticating the payment is an example of a process in which the payment server 340 pre-authenticates the payment based on the telephone order before the telephone connection between the user and the company using the password received from the electronic device 310 of the orderer. It may be. The actual settlement after the telephone order may then be processed according to the company's request after the telephone order between the orderer and the company is completed. As described above, pre-authentication before ordering enables an order to be made without providing the user's payment information to the company, so that the security of payment can be improved.

  4). The process of transmitting the order information may be an example of a process in which the payment server 340 transmits the order information based on the pre-authentication to the recognized company device 330. Here, the order information may include an order number and an orderer's telephone number. As described above, the payment server 340 may store and manage information related to companies registered as member stores in a database, and the orderer selects a telephone order function, based on the provided company identifier. The company may be recognized by searching the database. When the settlement server 340 transmits the order information to the company-side device 330, the company-side device 330 can know in advance that the caller will be calling even if it is before the orderer's order call, and the settlement Since the settlement for the telephone order is already pre-authenticated in the server 340, a secure telephone order transaction is performed.

  5. The call process may be an example of a process in which the orderer places an order with the company administrator by connecting the caller's electronic device 310 and the company's telephone 320. Such a call process may be performed between “2. process of transmitting password and company telephone number” and “6. process of inputting information by administrator” described later. “5. Call process” may be basically performed through a telephone call via the telephone network, but in some embodiments, a chat service is possible without adding a friend between the orderer and the company. May be used. As an example, such a chat service may be a service provided by the portal system described above.

  6). The information input process by the administrator may be an example of a process in which the company administrator inputs information ordered by a call with the orderer to the company side device 330. For example, the company side device 330 may receive an input of the settlement amount of an order by telephone connection from an administrator. Depending on the embodiment, the company-side device 330 may further receive input from the administrator, such as destination information, information about goods or services to be ordered, and / or information about expected estimated departure time.

  7). The process of requesting payment may be an example of a process in which the company side device 330 requests the payment server 340 to process actual payment using the payment amount. Here, the company side device 330 may request payment from the payment server 340 using information input from the administrator and order information provided by the payment server 340.

  8). The process of post-processing the payment may be an example of a process in which the payment server 340 post-processes the actual payment by telephone order according to the payment request from the company side device 330. Here, the payment server 340 may process an actual payment for the payment amount input by the administrator using a payment means registered in advance by the orderer. For example, the settlement server 340 may process a final settlement of the settlement amount by communicating with a server of a settlement organization (for example, a card company or a bank) that matches a pre-registered settlement method.

  9. The process of providing the payment completion information may be an example of a process in which the payment server 340 informs the orderer's electronic device 310 and company side device 330 that the processing related to the actual payment for the corresponding telephone order has been completed. For example, the payment server 340 may notify the payment completion information to the electronic device 310 of the orderer. When the company-side device 330 receives a notification notifying that the processing related to the actual settlement has been completed, a receipt regarding the settlement of the telephone order is output, and the receipt is provided to the orderer at the time of delivery providing the ordered goods or services. May be communicated to.

  In this way, the settlement process according to the present embodiment may be completed by providing settlement completion information after completion of the later settlement. If the caller (or the chat mentioned above) is not made without calling the company from the orderer, or if the actual order is not placed in the call process (or the order process using chat), “7 The process of requesting settlement is not executed. At this time, if the payment server 340 does not execute “7. Process for requesting payment” until a predetermined time elapses after the order information is transmitted, the payment server 340 may arbitrarily respond to the corresponding telephone order. The settlement process may be terminated.

  FIG. 4 is a diagram illustrating a first example of a situation in which the telephone order function is selected according to an embodiment of the present invention. As an example, the telephone order function may be provided to the user in the form of a link included in an online document (web page or mobile page). The first screen 410 of FIG. 4 is a screen example of the electronic device 310 of the orderer, and the search result provided to the orderer when the orderer inputs the search term “AA chicken” using the search service. An example of the screen is shown. Here, the first screen 410 shows that a telephone order function including a link such as “Pay Call” 411 is provided to the orderer in a specific online document such as a search result page. When the orderer touches the area where “Pay Call” 411 is displayed, the electronic device 310 may recognize the orderer's selection input for the telephone order function, and a user interface for receiving the orderer's simple settlement password input. May be provided to the orderer. At this time, the settlement server 340 may acquire the identifier of the company linked to the telephone order function, and may confirm the corresponding company. For example, the settlement server 340 may acquire the identifier of a company related to the telephone order function from a medium in which the telephone order function is provided (for example, a portal site that provides a search service). As another example, a function for transmitting an identifier of a company that is voluntarily linked to the telephone order function to the settlement server 340 may be included.

  In some embodiments, additional functionality may be selectively provided to the orderer through a telephone ordering function. For example, a pop-up 421 shown on the second screen 420 in FIG. 4 shows a selection function additionally provided according to the link. For example, the selection function may include a function that allows an orderer to select one of an online order and a telephone order. Online orders may be processed by a general simple payment service provided by the payment server 340, and telephone orders are processed by a payment service based on pre-authentication / post-processing provided by the payment server 340 according to an embodiment of the present invention. It's okay. In such an embodiment, when the orderer touches the area where the “telephone order” 422 of the pop-up 421 is displayed, the user interface may be provided to the orderer for receiving the simple settlement password. As another additional function, if the orderer has registered a number of payment methods (for example, credit card, mobile payment, funded point payment, real-time account transfer, etc.) in the payment service, selection to select the payment method A function may be provided to the orderer before a user interface for password entry is provided.

  FIG. 5 is a diagram illustrating an example in which a user interface for entering a password is provided when a telephone order function is selected according to an embodiment of the present invention. The screen 510 of FIG. 5 shows a user interface provided to the orderer to receive an input of a password for simple settlement when the orderer's electronic device 310 recognizes a selection input for the telephone order function of the orderer. It may be an example of a screen on which a page including a function is displayed. As described above, the settlement server 340 generates a page including a function for the user interface in order to provide the user interface for password input to the orderer, and information for configuring the page (as an example) , Location information (URL as an example) may be provided. For example, the telephone order function may be provided in the form of a link including location information on a network in which the source code is stored, and the source code may be provided to the electronic device 310 by the user selecting the telephone order function. . The electronic device 310 may provide a user interface to the orderer like the screen 510 by configuring and displaying the page based on the received source code.

  When the orderer inputs a password in the user interface, the electronic device 310 may transmit the input password to the payment server 340. When the orderer selects one of a number of payment methods, information related to the payment method selected by the orderer may be further transmitted to the payment server 340.

  If the orderer is not registered in the payment service for simple payment, a process for registration in the payment service may be performed. Further, when the orderer does not wish to register for the payment service, a function for connecting a general call with the company may be provided to the orderer.

  FIG. 6 is a diagram showing an example of a screen for guiding registration to a payment service for simple payment according to an embodiment of the present invention. As described above, the simple settlement service may identify a member of the simple settlement service using a user identifier in the portal system. If the orderer is logged in to the search service described with reference to FIG. 4, the payment server 340 may confirm whether the user is a member of the simple payment service. If the orderer is not logged in to the search service, the orderer may be requested to log in from the payment server 340 or the corresponding simple payment service system (for example, another simple payment service system described above). Here, the screen 610 of FIG. 6 shows an example in which a pop-up 611 for guiding registration to the payment service is displayed when the orderer is not a member registered in the payment service. For example, when the orderer is not a member of the payment service, the payment server 340 may provide the electronic device 310 with information for controlling the electronic device 310 so that the pop-up 611 is configured and displayed.

  After entering the password, the orderer's electronic device 310 may try to connect the call to the company telephone 320. On the other hand, the settlement server 340 may pre-authenticate settlement by telephone order using the password received from the electronic device 1 (110). After the payment is pre-authenticated by the payment server 340, the payment server 340 may generate order information (including an order number and an orderer's telephone number as an example) and transmit it to the company side device 330. In addition, the company administrator may input information obtained by the call into the company side device 330 after making a call with the orderer. An example of order information received by the company will be described in detail with reference to FIG. Further, an example of inputting information obtained by a telephone call with the orderer to the company side device 330 will be described in detail with reference to FIG.

  FIG. 7 is a diagram showing an example of a company POS screen according to an embodiment of the present invention. A screen 710 in FIG. 7 is a company POS screen, and may be an example of the screen of the company side device 330 described above. On the screen 710, a first dotted box 711 is an example of order information transmitted from the settlement server 340 to the company side device 330, and shows an example in which the order number and the telephone number of the orderer are displayed. On the screen 710, a second dotted box 712 is an example of information that can be input after the company administrator makes a telephone call with the orderer. The destination, menu, payment amount, and delivery departure schedule An example in which information about time is displayed is shown. Such a screen configuration for displaying the information related to the order may be made in accordance with the control of the seller-side application installed in the company-side device 330.

  FIG. 8 is a diagram showing an example of a call between an orderer and a company manager in an embodiment of the present invention. When a call is connected between the orderer's electronic device 310 and the company's telephone 320, the orderer and the manager of the company can talk to each other. Since the pre-authentication for payment has already been completed, the orderer does not need to intervene in the payment process. The manager of the company inputs the settlement amount “10,000 won” shown in FIG. 8, the delivery destination, the menu, etc. to the company side device 330, and thereby the delivery destination, menu, settlement shown in the screen 710 of FIG. 7. You may fill in information such as the amount.

  If the administrator selects the “payment request” user interface shown on the screen 710 in FIG. 7, payment may be requested to the payment server 340 based on the information input by the administrator and the order information. The payment server 340 may post-process the actual payment based on the pre-authenticated telephone order based on the payment amount of the information input by the administrator and the order information. For example, the payment server 340 may process a simple payment for the input payment amount by using the password transmitted from the orderer's electronic device 310. For this purpose, the payment server 340 corresponds to a payment means registered in advance. The final settlement for the settlement amount may be processed by communicating with a settlement institution server. If the settlement is completed, the settlement server 340 may transmit information related to the completion of the settlement to the orderer's electronic device 310 and the company side device 330, respectively.

  FIG. 9 is a diagram showing another example of a company POS screen according to an embodiment of the present invention. A screen 910 in FIG. 9 shows an example of a screen for managing orders that have entered the company. On the screen 910, an order number, a telephone number, and information on delivery status are displayed. When the delivery person departs for delivery to the order number “N013110305678” and selects the user interface 911 on which “before delivery” indicating the delivery status is displayed, the display content of the user interface indicating the delivery status changes to “delivery departure”. Good. At this time, the information regarding the change of the delivery status may be transmitted to the settlement server 340, and the settlement server 340 may transmit the information regarding the change of the delivery status to the electronic device 310 of the orderer.

  FIG. 10 is a diagram illustrating an example of a notification provided to an orderer according to an embodiment of the present invention. A screen 1010 in FIG. 10 shows an example of a notification page provided to the orderer's electronic device 310.

  The first notification 1011 may be a notification provided to the orderer after the settlement server 340 completes post-payment processing. “Departure after 10 minutes” may be applied on the company side by setting the scheduled time for “departure for delivery” to “after 10 minutes” as shown in the second dotted box 712 in FIG. . For example, it is assumed that the company-side device 330 transmits “after 10 minutes”, which is information relating to “delivery departure” input by the administrator, to the payment server 340 at the time of payment request. In this case, the settlement server 340 can provide the orderer with the first notification 1011 including information such as “scheduled departure after 10 minutes” based on the received information “after 10 minutes”. The link “payment breakdown confirmation” of the first notification 1011 may provide a function for accessing the payment breakdown page.

  The second notification 1012 may be a notification for notifying the orderer that the delivery has started and that the estimated arrival time is “10:20”. For example, the settlement server 340 may notify the orderer that the delivery has started based on the information related to the change of the delivery status described in FIG. At this time, the estimated arrival time may be provided in cooperation with the map service. For example, the map service may provide information regarding the estimated arrival time from the departure point to the destination. The settlement server 340 provides the orderer with the estimated arrival time for the route having the company address as the departure point and the orderer address as the destination in cooperation with a map service providing server (not shown). Good. The link “delivery position confirmation” of the second notification 1012 may provide the orderer's electronic device 310 with a function of providing the present location of the delivery person in cooperation with the map service. For example, a delivery person side application may be installed in the electronic device of the delivery person (for example, the electronic equipment 3 (130)), and the electronic device of the delivery person is communicated between the delivery person's electronic device and the settlement server 340. The location may be provided to payment server 340. At this time, the settlement server 340 may provide the orderer's electronic device 310 with the map information in which the position of the electronic device of the delivery person is displayed in cooperation with the server that provides the map service.

  The third notification 1013 may be a notification for the settlement server 340 to notify the orderer that the delivery has been completed. The third notification 1013 notifying completion of delivery may be provided to the company side device 330. As described above, a delivery person side application may be installed in the delivery person's electronic device, and the order number, telephone number, and the like described with reference to FIG. 9 by communication between the delivery person's electronic device and the settlement server 340. Information regarding the number and delivery status may be managed. After the delivery is completed, the delivery person may change the delivery status from “delivery departure” to “delivery completed” using the delivery person's electronic device. In this case, the payment status change may be notified to the payment server 340, and the payment server 340 may provide the third notification 1013 to the orderer's electronic device 310 and the company side device 330, respectively. The link “evaluate” of the third notification 1013 may include a function for providing a page on which an evaluation for the corresponding telephone order can be described. The payment server 340 may manage user evaluations by company.

  The fourth notification 1014 may be a notification for the settlement server 340 to guide the orderer to evaluate the telephone order. The link “evaluate” of the fourth notification 1014 may include the same function as the link “evaluate” of the third notification 1013. The fourth notification 1014 may be provided after a predetermined time has elapsed after delivery is completed.

  In the foregoing, the process of making a telephone order and settlement using the telephone order function included in the online document has been described. However, the telephone ordering function can also be provided to the orderer via other routes.

  FIG. 11 shows an example in which a link including a telephone order function is included in the two-dimensional code in an embodiment of the present invention. FIG. 11 shows a QR (Quick Response) code (registered trademark) 1110 provided online or offline. The orderer may take a picture of the provided QR code 1110 using a camera included in the electronic device 310 and recognize a link having a telephone order function included in the QR code 1110. By recognizing the link by the electronic device 310, the pop-up 421 described with reference to FIG. 4 may be provided, and thereafter, the password is transmitted to the settlement server 340 through the same process described above. The processes of pre-authentication at the settlement server 340, telephone order between the orderer and the administrator, and post-settlement at the settlement server 340 may be processed.

  FIG. 12 shows an example of a link included in a message according to an embodiment of the present invention. A screen 1210 in FIG. 12 shows an example in which a link including a telephone order function is provided to the orderer's electronic device 310 by a message using SMS (Short Message Service). A link may be provided to the orderer's electronic device 310 not only by SMS but also by MMS (Multimedia Message Service) or instant message.

  For example, an online document (for example, a web page or a mobile page) may include information related to a specific company and a function for connecting to a corresponding company. When the orderer selects a function for connecting the displayed document using the electronic device 310, an SMS message may be transmitted to the electronic device based on the telephone number of the electronic device 310. Here, the entity sending out the SMS message may be the corresponding company or the settlement server 340. The SMS message may include a link by the telephone order function, and the orderer can use the corresponding link to receive a user interface for inputting a password for simple settlement.

  As another example, a message including a link for a telephone order function may include an advertisement message sent from a corresponding company. By selecting the link of the advertisement message received by the orderer at the electronic device 310, a user interface for receiving a password input for simple settlement may be provided to the orderer through the electronic device 310. If the password is input using the interface, the password may be transmitted to the settlement server 340, and the electronic device 310 may try to connect the telephone call to the telephone number of the corresponding company. As described above, the order between the orderer and the company can be performed through a chat service.

  Thereafter, as described above, processes such as pre-authentication at the settlement server 340, telephone order between the orderer and the manager of the company, and post-processing for actual settlement at the settlement server 340 may be processed.

  FIG. 13 is a block diagram showing an example of components that can be included in the processor of the payment server in one embodiment of the present invention, and FIG. 14 is executed by the payment server in one embodiment of the present invention. 6 is a flowchart illustrating an example of a method that can be used.

  The settlement server 340 may be realized by the server 150 as described above. As shown in FIG. 13, the processor 222 of the server 150 includes a user interface providing unit 1310, a password receiving unit 1320, a pre-authentication unit 1330, an order information transmitting unit 1340, a post-settlement processing unit 1350, and a notification providing unit 1360. Good.

  Such a processor 222 and components of the processor 222 may control the server 150 to execute the steps 1410 to 1460 included in the settlement processing method of FIG. Here, the processor 222 and the components of the processor 222 may be implemented so as to execute instructions based on operating system code and at least one program code included in the memory 221. Here, the component of the processor 222 may be a representation of different functions of the processor 222 that are executed by the processor 222 in accordance with control instructions provided by code stored in the server 150.

  In operation 1410, the user interface providing unit 1310 may provide a function for providing a user interface. Here, the user interface provided through the user interface providing unit 1310 may include a function for controlling to receive the user's password input for simple settlement and to transmit it to the server 150. For example, the user interface providing unit 1310 may provide a user interface page that is a page including a user interface for receiving a password input and transmitting it to the server 150. As a specific example, the user interface providing unit 1310 may generate a user interface page and provide information regarding the location of the user interface page on the network (for example, the URL of the user interface page). A company or medium providing information about a company may provide a user with an ordering function that includes a link to access a user interface page in association with information about the company. Here, the user may receive provision of information regarding the company through the above-described medium (for example, a portal site) using an electronic device. For example, a search result page provided through a portal site search service may include information about a company and an ordering function. The user may access the user interface page through the link included in the order function. If the user accesses the user interface page and inputs the password based on the order function, the input password may be transmitted to the server 150. The link to the user interface page may be provided to the user through various media as described above. For example, a user interface page link that includes an ordering function may be included in an online document provided through the media or an online or offline image code provided through the media. As another example, the links may be included in various messages such as SMS messages, MMS messages, instant messages, etc. provided in association with a medium or company.

  In step 1420, the password receiving unit 1320 may receive a password from the electronic device before connection for ordering between the electronic device and the company. For example, through an electronic device, a user may be provided with an order function related to an order with a company, and the user is provided with a user interface for inputting a password used in simple settlement according to the user's selection input for the order function. It's okay. The electronic device may access a user interface page provided by the server 150 and provide an input screen for the user interface to the user. If the user enters a password in the provided user interface, the entered password may be transmitted to the server 150. Here, the user of the electronic device may be identified by a user identifier in a medium that provides information about the company and an order function. For example, the server 150 may identify the user in the simple settlement service using the user identifier in the portal site.

  At this time, the password receiving unit 1320 may control the server 150 to receive the password. Here, the password may include a simple payment password for processing the authentication of payment by the user payment means registered in advance in the payment service provided by the server 150. Further, the electronic device may correspond to the electronic device 1 (110) or the electronic device 310 of the orderer. The connection for ordering between the electronic device and the company may include a connection using a telephone call or a connection using a chat service.

  As described above, the order function may include another additional function. For example, as described with reference to FIG. 4, a function for selecting one of an online order and a telephone order (or an order using a chat service) or a function for selecting a payment means is an order function. May be further provided by user selection input to. When a payment method is selected, information regarding the selected payment method may be further transmitted to the server 150. For example, in step 1410, the user interface providing unit 1310 displays not only information for configuring the user interface page, but also information for a function for receiving one of online order and telephone order, and user registration. Information for a function for receiving a selection of one of the settled payment methods may be generated and provided, and the information may be provided to the electronic device using an order function. When one of the plurality of payment methods is selected, the server 150 may further receive information related to the selected payment method in addition to the password described above.

  In operation 1430, the pre-authentication unit 1330 may pre-authenticate the payment for the product or service that the user wants to order from the company using a password before the actual payment process. As described above, the user may be a member of a payment service provided by the server 150 and has registered a password for simple payment in the server 150 in advance. Accordingly, the server 150 pre-authenticates the payment using the password, so that it is possible to place the order without providing the user's payment information to the company side, so that the order can be safely performed. Further, the server 150 may process the payment in cooperation with another simple payment service. In this case, the server 150 may receive pre-authentication of payment from a system that provides another simple payment service. Since the pre-authentication is performed before the user connects to the company, the server 150 does not know information regarding the payment amount and what kind of product or service has been ordered at this point. Accordingly, the actual settlement by order may be post-processed thereafter. As described above, the server 150 may identify the user of the simple settlement service using the user identifier in the medium. For example, the pre-authentication unit 1330 logs in to the portal site and uses the simple payment service password entered by the user to the user interface page provided by selecting the authenticated user identifier and the order function. You may pre-authenticate.

  In step 1440, the order information transmission unit 1340 may transmit the order information based on the pre-authentication to the recognized company side device. The company may be a company registered as a member store in the payment service provided by the server 150, and the company corresponding to the selected order function may be recognized by the server 150. For example, when the medium providing the order function is linked to the server 150, the server 150 may recognize the company by receiving the identifier of the company corresponding to the selected order function from the medium. Alternatively, a function for transmitting the company identifier corresponding to the order function itself to the server 150 may be included. Here, the company side device may correspond to the company side device 330 described above. The order information transmission unit 1340 may control the server 150 to generate a message including the order information and transmit the generated message to the company side device via the network 170. Here, the order information may include an order number and a user telephone number.

  In step 1450, the post-settlement processing unit 1350 may post-process the actual settlement according to a settlement request from the company side device. The company side device may receive the order information provided by the server 150 through the step 1440, and the company administrator can obtain information (for example, a settlement amount as a result of connection using a telephone call or chat service with the user). And the delivery address may be input to the company side device in association with the order information. In this case, the order may be confirmed using the information input from the manager of the company and the order information, and the company side device is determined using the input information and the order information received from the server 150. The server 150 may be requested to settle the order. In this case, the post-settlement processing unit 1350, in accordance with the settlement request from the company side device, the payment amount received from the company side device according to the order in accordance with the pre-authenticated settlement corresponding to the order number, May actually be processed through. As a specific example, the server 150 communicates with a system of a payment organization (for example, a bank or a card company) using a user's registered payment method, and processes a simple payment of the requested payment amount. It's okay. As described above, the password may include a simple payment password for authentication of payment processed using the user payment means registered in advance in the simple payment service provided by the server 150. Post-settlement processing unit 1350 settles a pre-authenticated settlement using a simple settlement password by communicating with the corresponding settlement institution server using a pre-registered settlement method for the identified user. Server 150 may be controlled to post-process for the amount.

  In step 1460, the notification providing unit 1360 may provide payment completion information to the electronic device and the company side device. For example, the notification providing unit 1550 may control the server 150 so that payment completion information is generated and transmitted to the electronic device and the company side device via the network 170 by post-processing the actual payment, respectively. . Depending on the embodiment, the notification providing unit 1360 may generate various types of notifications described with reference to FIG. 10 and provide the notifications to the electronic device.

  FIG. 15 is a block diagram illustrating an example of components that can be included in the processor of the company side device according to the embodiment of the present invention. FIG. 16 is a block diagram of the company side device according to the embodiment of the present invention. 6 is a flowchart illustrating an example of a method that can be performed.

  The company side device 330 may be realized by the electronic device 2 (120) as described above. As illustrated in FIG. 15, the processor 232 of the electronic device 2 (120) may include an order information receiving unit 1510, a settlement request unit 1520, a receipt providing unit 1530, and a delivery status management unit 1540.

  Such a processor 232 and the components of the processor 232 may control the electronic device 2 (120) to execute steps 1610 to 1640 included in the settlement processing method of FIG. At this time, the processor 232 and the components of the processor 232 are implemented so as to execute instructions based on operating system code and at least one program code (for example, code for a seller-side application) included in the memory 231. May be. Here, the components of the processor 232 may be representations of different functions of the processor 232 that are executed by the processor 232 in accordance with control instructions provided by code stored in the electronic device 2 (120).

  In step 1610, the order information receiving unit 1510 may receive the order information pre-authenticated by the payment server based on the password transmitted from the electronic device to the payment server via the network. Here, the electronic device may correspond to the electronic device 1 (110) or the orderer's electronic device 310, and the payment server may correspond to the server 150 or the payment server 340 described above. The order information receiving unit 1510 may receive the order information generated and transmitted by the payment server via the network 170.

  The password may include a payment authentication using user payment means registered in advance in a payment service provided by the payment server and a simple payment password for processing the user authentication, and is transmitted from the electronic device to the payment server. By using the password, the payment server may pre-authenticate the payment for the product or service that the user intends to order by concatenation for the order with the company before the actual payment processing.

  In operation 1620, the settlement request unit 1520 may request settlement of the order based on the connection using the information input from the company administrator and the order information based on the connection with the user. For example, the payment request unit 1520 may control the electronic device 2 (120) so as to generate a payment request message including at least a payment amount and an order number and transmit the message to the payment server via the network 170. In this case, the payment server may post-process the actual payment of the payment amount based on the order number in accordance with the request of the electronic device 2 (120), generate payment completion information, and the electronic device of the user and the company side device. You may transmit to the apparatus 2 (120), respectively.

  In step 1630, the receipt providing unit 1530 may provide a payment receipt with the corresponding order number based on the payment completion information provided from the payment server. For example, the receipt providing unit 1730 may be included in the electronic device 2 (120) or electronically so as to output an order settlement receipt from a receipt output device (not shown) linked to the electronic device 2 (120). Device 2 (120) may be controlled.

  In step 1640, the delivery status management unit 1540 may manage information regarding the delivery status of the order. For example, as described with reference to FIG. 9, the delivery status may be managed such as before delivery, delivery departure, and delivery completion, and information on the currently set delivery status is transmitted to the settlement server. Good. In this case, the settlement server may provide various types of notifications to the user as described with reference to FIG.

  FIG. 17 is a block diagram illustrating an example of components that can be included in the processor of the orderer's electronic device according to an embodiment of the present invention, and FIG. 18 illustrates the orderer according to an embodiment of the present invention. 5 is a flowchart showing an example of a method that can be executed by the electronic apparatus.

  The electronic device 310 of the orderer may be realized by the electronic device 1 (110) as described above. As illustrated in FIG. 17, the processor 212 of the electronic device 1 (110) may include a selection input recognition unit 1710, a user interface display unit 1720, a password transmission unit 1730, and a connection unit 1740.

  The processor 212 and the components of the processor 212 may control the electronic device 1 (110) to execute the steps 1810 to 1840 included in the settlement processing method of FIG. At this time, the processor 212 and the components of the processor 212 may be implemented so as to execute an instruction based on an operating system code or at least one program code included in the memory 211. Here, the components of the processor 212 may be representations of different functions of the processor 212 that are executed by the processor 212 in accordance with control instructions provided by code stored in the electronic device 1 (110).

  In step 1810, the selection input recognition unit 1710 may recognize a user's selection input for an order function with a company related to the order. As described above, the ordering function may be provided to the user through various media. For example, an order function including a specific link by a page such as a page for various services provided by a portal site, an image code provided via on / offline, or a message such as SMS message, MMS message, instant message, etc. May be provided. At this time, the selection input recognition unit 1710 may control the electronic device 1 (110) so as to recognize a user input to the order function through the input / output interface 214 of the electronic device 1 (110). Here, the user's selection input may include a user's input for a link provided as an order function. For example, when a link included in an online document is displayed on the touch screen screen included in the electronic device 1 (110), the link is recognized by the user touching the area of the link displayed on the touch screen screen with a finger. The input may be recognized as the user's selection input described above.

  In operation 1820, the user interface display unit 1720 may receive and display a user interface associated with the order function according to the recognized selection input. For example, the order function may include a link to a user interface page for receiving a password entry. Such a user interface page may be generated and provided by the payment server. In this case, the user interface providing unit 1720 configures the user interface page provided through the link and displays it on the screen. By controlling (110), the user interface may be displayed to the user. Here, the payment server may correspond to the payment server 340 or the server 150 described above.

  In step 1830, the password transmission unit 1730 may transmit the password input to the user interface to the payment server. In effect, the password may be communicated to the payment server through the user interface page. For example, the password transmission unit 1730 may control the electronic device 1 (110) so as to transmit the password to the payment server through the user interface page.

  The password may include a simple payment password for processing payment authentication using a user payment means registered in advance in a payment service provided by the payment server. In this case, the user is authenticated by the payment server based on the password transmitted to the payment server, and the payment for the product or service that the user intends to order by linking with the company is pre-authenticated before the actual payment processing. Good.

  At this time, order information by pre-authentication may be transmitted from the payment server to the company side device. Here, the company side device may correspond to the company side device 330 described above. The order information may include an order number and a user phone number.

  In operation 1840, the connecting unit 1740 may try to connect for an order with the company. For example, the connection unit 1740 may control the electronic device 1 (110) so as to try to connect the communication module 213 and the telephone 320 of the company via the telephone network, or a chat service via the network 170. You may try to connect with company equipment using. When the order is completed between the user and the company administrator by connecting for ordering, the company side device settles the order to the payment server based on the information input from the terminal device administrator and the order information. You may ask. As described above, connection for ordering may be performed not only by telephone connection but also by chat between the user and the company. Here, the information input from the administrator may include at least the settlement amount of the order determined by concatenation for the order. As described above, the information input from the administrator may further include information such as the user's address (delivery address), menu (ordered goods or services), and scheduled delivery departure time. Here, the settlement of the telephone order by the pre-authentication and the post-settlement may be completed by post-processing the actual settlement in accordance with the settlement request from the company side device at the settlement server.

  In another embodiment, another payment application linked to the payment server may be installed in the electronic device 1 (110). In this case, the telephone order function may provide the user with a user interface for driving the payment application and receiving the user's simple payment password through the payment application. In this case, the electronic device 1 (110) may transmit the password input to the user interface to the payment server according to the control of the payment application.

  The content omitted in FIGS. 13 to 18 may refer to FIGS.

  As described above, according to the embodiment of the present invention, it is possible to pre-authenticate the settlement based on the order using the telephone or the chat before the order, and to post-process the actual settlement after the order without the user's involvement. Further, pre-authentication before ordering allows the order to be placed without providing the user's payment information to the company side, thereby improving the security of payment.

  The system or apparatus described above may be realized by a hardware component, a software component, or a combination of a hardware component and a software component. For example, the apparatus and components described in the embodiments include, for example, a processor, a controller, an ALU (arithmic logic unit), a digital signal processor, a microcomputer, an FPGA (field programmable gate array), a PLU (programmable logic unit), a microprocessor, Or it may be implemented using one or more general purpose or special purpose computers, such as various devices capable of executing and responding to instructions. The processing device may execute an operating system (OS) and one or more software applications running on the OS. The processing device may also respond to software execution, access data, and store, manipulate, process, and generate data. For convenience of understanding, one processing device may be described as being used, but those skilled in the art may include a plurality of processing elements and / or multiple types of processing elements. You can understand. For example, the processing device may include a plurality of processors or a processor and a controller. Other processing configurations such as parallel processors are also possible.

  The software may include computer programs, code, instructions, or a combination of one or more of these, configure the processing device to operate as desired, and instruct the processing device independently or collectively. May be. Software and / or data can be interpreted based on a processing device, or provide instructions or data to a processing device, any type of machine, component, physical device, virtual device, computer storage medium or device, Alternatively, it may be realized permanently or temporarily in a transmitted signal wave. The software may be distributed over computer systems connected by a network and stored or executed in a distributed manner. Software and data may be stored on one or more computer-readable storage media.

  The method according to the embodiment may be realized in the form of program instructions executable by various computer means and recorded on a computer-readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded on the medium may be specially designed and configured for the embodiment or may be usable by those skilled in the art of computer software. Examples of computer readable storage media include hard disks, floppy disks, and magnetic media such as magnetic tape, optical media such as CD-ROMs and DVDs, and floppy disks. Included are magneto-optical media and hardware devices specially configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine language code such as that generated by a compiler, but also high-level language code that is executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

  As mentioned above, although embodiment was described based on limited embodiment and drawing, those skilled in the art will be able to perform various correction and deformation | transformation from the above-mentioned description. For example, the described techniques may be performed in a different order than the described method and / or components of the described system, structure, apparatus, circuit, etc. may be combined in a different manner than the described method. Appropriate results can be achieved even if they are combined or combined, or opposed or replaced by other components or equivalents.

  Accordingly, even different embodiments belong to the appended claims as long as they are equivalent to the claims.

110, 120, 130, 140: electronic device 150: server 170: network

Claims (15)

A method of processing a settlement in the settlement server providing simple payment services,
The payment server providing a telephone ordering function including a link to a user interface page or an ordering function using a chat service to a user's electronic device in association with information about a company related to the order; A telephone order function or an order function using a chat service is provided through a medium providing information about the company, and a user of the electronic device is identified by an identifier of the user in the medium;
In response to selection of the telephone order function or the order function using the chat service through the link by the electronic device, the payment server displays a user interface page for inputting the password of the simple payment service. Providing to electronic devices,
It said the previous consolidated for the order between the electronic device and the company, the step of the settlement server receives a password that has been input to the user interface page from the electronic device,
The settlement server, the payment for goods or services that are ordered to the company by the user, to the pre-treatment of the actual settlement, based on the password of the previously registered the user in the input password and the simple payment service pre-authentication stages, and Te
The payment server is a step of generating order information related to the pre-authentication and transmitting the order information to a company-side device of the corresponding company, wherein the corresponding company uses the telephone order function or an order function using a chat service. A settlement processing method including a step , which is determined based on an identifier of a company corresponding to . The medium includes at least a portal site that provides a search service;
The settlement processing method according to claim 1, wherein the information regarding the company and the order function using the telephone order function or the chat service are provided through the search service. The link included in the telephone order function or the order function using the chat service includes (1) an online document provided through the medium, (2) an online or offline image code provided through the medium, or (3) the medium or the company and SMS provided in connection (Short message Service) message, is included in at least one message of the MMS (Multimedia message Service) messages, and instant messages, according to claim 1 or 2 The payment processing method described in 1. The order information, the including the telephone number of the user's order number and the electronic apparatus corresponding to the order between the electronic device and the company, the settlement processing method according to any one of claims 1 to 3. An order is confirmed using information inputted from the manager of the company by the connection between the electronic device and the company and the order information,
A request for settlement by confirming the order is received from the company side device, and the actual settlement for the requested settlement amount is performed using the input password and the pre-registered password according to the received request. The settlement processing method according to any one of claims 1 to 4 , further comprising a post-processing step. Post-processing the actual payment includes
The pre-authentication is performed by communicating with a settlement institution server corresponding to a user settlement means registered in advance in the simple settlement service and using the input password and the pre-registered password in the simple settlement service. The settlement processing method according to claim 5 , wherein post-processing of the settled settlement is performed for the settlement amount. 7. The user of any one of claims 1 to 6 , wherein the user in the simple payment service for the pre-authentication is identified by identifying the user in a medium that provides a link to a user interface page for entering the password. The settlement processing method according to claim 1. The connection for the order between the electronic device and the company, includes a coupling that utilizes the coupling or chat service using a telephone call, the settlement processing method according to any one of claims 1 to 7. A method executed by an electronic device linked to a payment server that provides a simple payment service ,
The electronic device is an order function using a telephone order function or a chat service with a company related to the order, and a user's selection for the order function using the telephone order function or the chat service including a link to a user interface page Recognizing input , wherein the ordering function using the telephone order function or the chat service is provided through a medium providing information about the company ;
In accordance with the recognized selection input, the electronic device is provided with a user interface page associated with the telephone order function for inputting the password of the simple payment service or the order function using the chat service from the payment server. Stage to display,
The electronic device, the step of transmitting the input to the user interface pages password to the payment server, and
A settlement processing method including a step in which the electronic device attempts a connection for ordering with the company, the connection including a connection using a telephone call or a connection using a chat service . Computer program for realizing the method according to the computer in any one of claims 1-9. A payment processing system for a payment server that provides a simple payment service and performs payment processing.
Including at least one processor implemented to execute computer readable instructions;
The at least one processor comprises:
Providing a telephone ordering function including a link to a user interface page or an ordering function using a chat service to a user's electronic device in association with information about a company related to the order, the telephone ordering function or chatting An order function using a service is provided through a medium that provides information about the company, and a user of the electronic device is identified by a user identifier in the medium;
In response to selection of the telephone order function or the order function using the chat service through the link by the electronic apparatus, a user interface page for inputting a password for the simple settlement service is provided to the electronic apparatus. ,
It said the previous consolidated for the order between the electronic device and the company, to receive a password that has been input to the user interface page from the electronic device,
The payment for goods or services that the user attempts to order in the company, pre-authentication based on the previously registered the user's password in the actual of the input password and the simple settlement service processing in front of the settlement,
The order information related to the pre-authentication is generated and transmitted to the company-side equipment of the corresponding company, and the corresponding company is selected from the company corresponding to the order function using the telephone order function or the chat service. Determine based on the identifier ,
A payment processing system configured as follows. The medium includes at least a portal site that provides a search service;
The payment processing system according to claim 11 , wherein the information on the company and the order function using the telephone order function or the chat service are provided through the search service. By the connection between the electronic device and the company, the order is confirmed using the information inputted from the manager of the company and the order information,
The at least one processor comprises:
A request for settlement by confirming the order is received from the company side device, and the actual settlement for the requested settlement amount is performed using the input password and the pre-registered password according to the received request. The settlement processing system according to claim 11 or 12 , wherein post-processing is performed. The at least one processor is for post-processing the actual payment.
The pre-authentication is performed by communicating with a settlement institution server corresponding to a user settlement means registered in advance in the simple settlement service and using the input password and the pre-registered password in the simple settlement service. The settlement processing system according to claim 13 , wherein post-processing of the settled settlement is performed for the settlement amount. 15. The user of any of claims 11 to 14 , wherein the user in a simple payment service for the pre-authentication is identified by identifying the user in a medium that provides a link to a user interface page for entry of the password. The payment processing system according to claim 1.