KR100650256B1 - Method of joint settlement in on-line by short message sevice - Google Patents

Abstract

The present invention relates to an online joint payment method using a short message service, the method comprising: receiving a joint payment request for payment from a purchaser terminal connected to the Internet; Requesting the purchaser terminal to input a mobile communication terminal number of a plurality of payers to jointly pay the payment amount; Providing the mobile communication terminal number inputted through the purchaser terminal to a short message service center of a mobile communication network and requesting confirmation of payment approval from each payer; Receiving a payment approval doctor of each payer collected by the short message service center; And displaying on the purchaser terminal whether the payment is approved by each payer. Accordingly, when purchasing a product through an online shopping mall, such as the Internet, by using a short message service provided by a mobile communication network, a plurality of specific persons can jointly settle and pay for the purchased product, such as a fellowship. It is possible for members of small groups to conveniently purchase certain products and products through e-commerce, thereby providing more diverse e-commerce services.

Description

Online billing method using short message service {METHOD OF JOINT SETTLEMENT IN ON-LINE BY SHORT MESSAGE SEVICE}             

1 is a system configuration diagram for an online joint payment method using a short message service of the present invention;

2 is an operation flowchart according to the online co-payment method using the short message service of the present invention;

3 is a flowchart of an online co-payment method using a short message service according to the present invention.

*** Explanation of symbols for the main parts of the drawing ***

 1: Internet 3: Mobile communication network

 5: Buyer terminal 7: Biller mobile communication terminal

10: payment server 12: SMSC

The present invention relates to an online joint payment method using a short message service. In particular, when purchasing a product through an online shopping mall such as the Internet, a plurality of payments for a purchased product using a short message service provided by a mobile communication network are provided. The present invention relates to a method of online payment using a short message service that enables a specific person to make a joint payment.

Recently, as well as providing detailed information on various products through the Internet, an e-commerce service for ordering and selling various products on the Internet has been widely used. Accordingly, the user can access the Internet server that sells the products with the Internet-accessible terminal, check the detailed information on the various products, and order and purchase the desired products.

When purchasing a product through the Internet, the user can enter the financial information required by the Internet server to pay for the product by means of credit card, bankbook payment, micropayment via mobile phone, and the like.

However, when making payments online, there is no payment method for joint payment of a number of specific persons jointly. In order to implement this, the payment is made when a purchase request for a product is made. There is a problem in that a plurality of payers must gather together to input personal information and financial information for each payment, which is not easy to implement.

The present invention has been made to solve the above-described problems, when purchasing a product through an online shopping mall, such as the Internet, a number of specific people jointly pay for the purchased product using a short message service provided by the mobile communication network The purpose is to provide an online joint payment method using a short message service that allows payment to be divided into two.

Online co-payment method using the short message service according to the present invention for achieving the above object, the state is opened on the Internet, proceeds under the initiative of the payment server for payment processing at the time of electronic commerce, connected to the Internet Receiving a request for joint payment of a payment amount from a purchaser terminal; Requesting the purchaser's terminal to input details of a joint payment, including a mobile communication terminal number of a plurality of payers to jointly pay the settlement price, purchase product information, and a payment amount to be paid by the payer; ; Requesting confirmation of payment approval from each of the payers by providing details of the mobile communication terminal number and the co-divided payment inputted through the buyer terminal to the short message service center of the mobile communication network; Receiving a payment approval intention of each payer, which is collected by the short message service center and includes information on a payment method; Determining whether the payment is approved according to whether the payment is approved by the respective payers; If the payment approval intention of all the payers is successfully received, the final approval fact of the co-divided payment is notified to the purchaser terminal and the mobile communication terminal of each payer, and included in the details of the co-divided payment. Approving the payment amount for each payer by the payment method for the corresponding payer, thereby completing the purchase of the product; If the payment is failed by the payer who rejects the payment among the plurality of payers, the purchaser terminal and the mobile communication terminal of each payer are notified of the failure to approve the joint payment, and the purchase request is canceled. Processing; If the purchaser approves the payment for the insufficient amount of money in a situation in which the payment approval is failed by the payer or the like who has rejected the approval among the plurality of payers, the final approval fact of the co-divided payment is confirmed by the purchaser terminal and the respective parties. In addition to notifying the payer's mobile communication terminal, the process of approving the joint payment, characterized in that it comprises the step of completing the purchase for the product.

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Hereinafter, with reference to the accompanying drawings will be described in detail with respect to the online joint payment method using a short message service according to an embodiment of the present invention.

1 is a system configuration diagram for an online co-payment method using a short message service of the present invention. As shown in FIG. 1, a payment server 10 is connected to the Internet 1 for payment in electronic commerce. The payment server 10 is a terminal 5 capable of accessing the Internet 1 such as a computer and a PDA. If a purchaser who purchases a desired product by accessing the Internet (1) and wants to pay the purchase cost jointly, the Short Message Service Center (SMSC) through the Internet (1) and the mobile communication network (3) In connection with 12, a plurality of payer mobile communication terminals 7 confirm the payment approval and approve the purchaser's joint payment request.

A purchaser having a purchaser terminal 5 capable of accessing the Internet 1 can access the Internet 1 and check product information provided by a website that can be purchased online and request the purchase of a desired item. Here, the online company displays a payment menu for selecting a co-payment method on the purchaser terminal (5), so that the buyer can select a co-payment method in which a plurality of payers jointly pay by dividing the purchase price.

When the buyer selects the co-payment method, the payment server 10 requests the input of the number of the mobile communication terminal 7 of each payer and the mobile communication terminals of the plurality of payers inputted by the buyer through the purchaser terminal 5. A number is provided to the SMSC 12 connected to the mobile communication network 3 through a gateway (not shown).

The SMSC 12 transmits a short message to the mobile communication terminal 7 of each payer at the request of the payment server 10 to confirm whether the payment is approved, and each payer pays the fee through the mobile communication terminal 7. Send a short message to approve the payment. The SMSC 12 provides the payment approval result of the payers received through the mobile communication network 3 to the payment server 10, whereby the payment server 10 collects the payment approval results of the respective paymentrs. The payment server 10 may finally approve the payment according to the collected payment approval result, or may allow the buyer who has confirmed the payment approval result to directly select whether to approve the final approval through the buyer terminal 5.

That is, in response to a purchaser's request for co-payment through the Internet (1), in connection with the SMSC (12) of the mobile communication network (3) through the mobile communication terminal (7) of each payer, whether the approval of the payment of the plurality of payers The approval intention of the payers is collected by the SMSC 12, and the final approval is collected by the payment server 10, and then informed to the buyer, so that a plurality of buyers can divide the online purchase price and make a co-payment.

The operation flow of each component for realizing the online joint payment method using the short message service of the present invention is shown in FIG. As shown in Figure 2, the buyer connected to the Internet (1) requests through the purchaser terminal (5) the payment of the joint payment of the payment and transmits the mobile communication terminal (7) number of each payer to pay jointly (P1). Here, the buyer may additionally input a guide message to be provided to each payer to transmit a message to the payers participating in the joint payment.

The payment server 10 provides the SMSC 12 with the number of the mobile communication terminal 7 of the co-payer, which the purchaser inputs, to request confirmation of payment approval from each payer (P3).

After receiving the information of the co-payers from the payment server 10, the SMSC 12 checks whether the payers are subscribers of the mobile communication network 3 and checks whether SMS service is possible (P5), and then the mobile communication terminal of each payer. In (7), a short message confirming the approval of the payment is sent (P7).

Each payer may send a short message that accepts or rejects the received payment approval request (P9), and the SMSC 12 collects the payment approval results sent by each payer.

The SMSC 12 collects the approval result from the payers who request the payment approval and provides the result to the payment server 10 of the Internet 1.

The payment server 10 displays on the purchaser's terminal 5 whether or not the plurality of payers provided from the SMSC 12 is approved so that the buyer can determine whether to approve the joint payment request (P13).

Here, when the purchaser finally approves the request for the joint payment, the payment server 10 displays the approval result of the joint payment request on the purchaser terminal 5 (P15) and jointly via the SMSC 12. The payment approval result is also notified to the payer's mobile communication terminal 7 (P17). In this case, when the payment approval intention of all the payers is successfully received, the joint payment is finally approved and the final approval is transmitted to the purchaser's terminal 5 and each payer's mobile communication terminal 7, and among the plurality of payers. If the payment approval is failed by the payer who refuses the approval, the result is also displayed on the purchaser's terminal 5, and the purchase failure result may be transmitted to the payer's mobile communication terminal 7.

The flow of the online joint payment method using the short message service according to the present invention having such a configuration is shown in FIG. 3.

If a buyer who wants to purchase a product wants to order a specific product through the Internet (1) and pay the bill for the product requested for purchase jointly with a large number of specific people, for example, small groups such as communities, The joint payment is to be selected (S10).

When the buyer selects the joint payment, the payment server 10 receives a request for inputting information of the payers through the purchaser's terminal 5 and inputs the number of the mobile communication terminal 7 of each payer (S12). ). Here, the payment server 10 may also request the detailed information such as the number of people to make a partial payment, the name of the partial payers, the partial payment amount.

Meanwhile, information of the payers input through the purchaser's terminal 5 is provided to the SMSC 12 of the mobile communication network 3, and the SMSC 12 sends a short message to the co-payers to confirm whether the payment is approved. Transmit (S14). The co-payers can check the contents of the co-divided payment, such as purchase product information, buyer information requested for payment, the number of payers to settle the payment, and the payment amount through a short message.

Each payer who confirms the partial payment confirmation message through the respective mobile communication terminal 7 replies in the form of a short message whether to approve the corresponding amount of money (S16).

The SMSC 12 receives the approval result sent by each payer and provides the payment server 10 to the payment server 10. The payment server 10 displays the approval of each payer on the purchaser's terminal 5 to determine whether the purchaser is finally approved. It may be possible to determine, and it is also possible to determine whether or not the final approval by determining whether the total sum of the approval amount of each payer in the payment server 10 itself coincides with the purchase amount of the goods (S20).

In this case, when any one of the plurality of payers does not approve the payment, the approval amount of the payers becomes smaller than the purchase amount, so that the purchaser may close the purchase or cancel the purchase by covering an insufficient amount (S26). ).

If the buyer refuses to pay the payment is not approved, this fact is sent to each payer in the form of a short message (S28), the purchase request is canceled (S30).

However, if the buyer approves the intention to pay for the insufficient amount, the joint payment is approved, and this fact is transmitted to each payer's mobile terminal 7 in the form of a short message (S22), and the purchase request is successful ( S24).

On the other hand, if the payment approval intention of all payers is successfully received, the joint payment is finally approved by the payment server 10 or finalized according to the purchaser's final purchase approval, and the final approval is finally confirmed by the buyer's terminal 5 and The payment is sent to the mobile communication terminal 7 of each payer (S22), and the purchase for the corresponding product is completed (S24).

As described above, in the present invention, when purchasing a product through an online shopping mall such as the Internet, a short message is sent to each payer who wants to make a co-payment in connection with a payment server performing payment for the purchased product and an SMSC of a mobile communication network. By confirming the payment approval through a number of payments that the buyer designates the payment for the product to be jointly divided payment.

As described above, the embodiment according to the present invention is not limited to the above, and various modifications can be made within the scope apparent to those skilled in the art in connection with the present invention.

As described above, in the online joint payment method using the short message service of the present invention, when a product is purchased through an online shopping mall, SMSC of the mobile communication network is linked to each payer who wants to make a joint payment through a short message. By confirming, the payment for the product is jointly divided by a plurality of payers designated by the buyer.

Accordingly, members of small groups, such as clubs, can conveniently and conveniently purchase specific products and products through electronic commerce, thereby providing more various e-commerce services.

Claims (3)

Opened on the Internet, it is led by a payment server that processes payments for e-commerce. Receiving a request for joint payment of a payment amount from a purchaser terminal connected to the Internet; Requesting the purchaser's terminal to input details of a joint payment, including a mobile communication terminal number of a plurality of payers to jointly pay the settlement price, purchase product information, and a payment amount to be paid by the payer; ; Requesting confirmation of payment approval from each of the payers by providing details of the mobile communication terminal number and the co-divided payment inputted through the buyer terminal to the short message service center of the mobile communication network; Receiving a payment approval intention of each payer, which is collected by the short message service center and includes information on a payment method; Determining whether the payment is approved according to whether the payment is approved by the respective payers; If the payment approval intention of all the payers is successfully received, the final approval fact of the co-divided payment is notified to the purchaser terminal and the mobile communication terminal of each payer, and included in the details of the co-divided payment. Approving the payment amount for each payer by the payment method for the corresponding payer, thereby completing the purchase of the product; If the payment is failed by the payer who rejects the payment among the plurality of payers, the purchaser terminal and the mobile communication terminal of each payer are notified of the failure to approve the joint payment, and the purchase request is canceled. Processing; If the purchaser approves the payment for the insufficient amount of money in a situation in which the payment approval is failed by the payer or the like who has rejected the approval among the plurality of payers, the final approval fact of the co-divided payment is confirmed by the purchaser terminal and the respective parties. An online joint payment method using a short message service, comprising the step of notifying to the payer's mobile communication terminal and approving the joint payment, thereby completing the purchase of the product. delete delete

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