KR100757377B1 - The system which controls the process which pay the price in a quick way online network in base - Google Patents

Abstract

A system for quickly paying a price based on the online network is provided to enable a customer to remove inconvenience of inquiring an account number to the member shop and informing the member shop of payment completion after the payment, and enable the member shop to remove the inconvenience of informing the customer of the account number and inquiring deposit to a bank. A fast payment server(101) stores and manages member shop registration information to enable the customer quickly to transfer a payment price to the member shop. A member shop number checking module(120) determines the member shop corresponding to a member shop number received from a customer terminal(2). A registration information providing server(130) provides registration information of the determined member shop to the customer terminal. A payment request processing module(180) transfers the payment price to a member shop account from a customer account if payment information is received from the customer terminal. A payment result informing module(160) transmits a payment result message to a customer and member shop message terminal(3,4).

Description

Payment system for processing payment based on online network {The system which controls the process which pay the price in a quick way online network in base}

1 is an exemplary diagram conceptually illustrating an online payment process according to the prior art.

Figure 2 is an exemplary diagram conceptually showing the configuration of a payment settlement processing system based on the online network according to the present invention.

3 is an exemplary diagram conceptually showing a posting situation of an attribute payment guide page according to the present invention.

4 is an exemplary diagram conceptually illustrating an online payment attribution processing procedure by the payment attribution processing system according to the present invention.

5 is an exemplary diagram conceptually showing the information storage state of the merchant registration information storage D / B according to the present invention.

6 is an exemplary view conceptually showing a posting state of a merchant registration information report page according to the present invention.

7 is an exemplary view conceptually showing a publication state of a payment progress guide page according to the present invention.

8A and 8B are exemplary views conceptually showing a posting status of a transfer processing result message.

9 is an exemplary view conceptually showing an example of utilization of the payment settlement processing system according to the present invention.

The present invention relates to a system for processing the payment process of each customer as an attribute based on the online network, and more specifically, the customer and the merchant side, for example, <convenience to inquire the account number to the merchant side one by one. >, <Inconvenience of notifying merchants that payment has been completed after payment is completed >> <Inconvenience of notifying customer's account number in response to customer's inquiry>, <Customer An online network that allows you to flexibly enjoy the convenience of online payment without suffering any inconvenience from having to check with the financial institution whether or not the payment has been properly deposited in the account. It relates to a payment settlement processing system based on.

Recently, as various computing infrastructures related to online services have been widely established, the size of customers who pay for goods / services using online payment systems such as mobile banking and PC banking The trend is clear.

Typically, under such a conventional online payment system system, as shown in FIG. 1, the customer (C) who purchased goods / services from the affiliated store (K) side through a series of ordering procedures, own PC or mobile device. After accessing the online institution's online payment system S using a mobile phone or the like, a procedure of transferring a payment from one's own payment account to the merchant's payment account is performed.

However, under such a conventional system, since the customer (C) needs to enter the account number of the merchant (K) in order to proceed normally with a series of online payment procedures, the customer (C) side before the full payment process. For example, through <a relatively difficult route, such as inquiring the account number to the merchant (K) one by one>, you have no choice but to bear the inconvenience of having to know the account number of the merchant (K) in advance. After the settlement is completed, the affiliated store (K) side has no choice but to bear the inconvenience of notifying each other that the settlement is completed.

Of course, in this situation, the affiliated store (K) also has no choice but to accept the inconvenience of having to notify the customer (C) of their account number in response to an inquiry from the customer (C). C) After the payment is completed, the financial institution will have no choice but to accept the inconvenience, such as having to check whether the customer's payment has been properly deposited in the account.

Of course, under this inconvenience, despite the convenience of online payment on the customer side, it can not be widely used for the purchase of the goods / services, thereby unable to actively participate in the purchase of goods / services, etc. Merchants are forced to bear the damage that their sales of goods and services are significantly reduced.

In particular, such damage is caused by frequent purchase / sale of goods / services through a small amount of cash transactions, such as ordering / delivery specialties (eg, chicken delivery, pizza delivery, Chinese food delivery, snack delivery, etc.), In the field of small retail stores (shops, kiosks, etc.), it will become larger.

Accordingly, an object of the present invention is to register each merchant registration information by using an affiliate unique number (e.g., a representative telephone number, etc.) that is easy to access to the customer (i.e., easily obtained and recognized by the customer) as a key value. Selectively store and manage (e.g., merchant address, merchant name, representative name, representative phone number, representative mobile device number, account number, transaction history, settlement history, authorization number, etc.), and then purchase goods / services As soon as the customer enters the merchant's open unique number, the computer module can extract and provide the corresponding merchant registration information, and as soon as the customer who checks the registration information requests the payment to the merchant account, Receives messages from customers and merchants on the computer module that can process the cash transfer from the client's account to the merchant's account. Provides a computer module that can be generated and transmitted to a terminal (for example, a mobile device) as a series of payment attribute processing pipelines, through which customers and merchants, for example, send account numbers to the merchants. Inconvenience to inquire >> <Inconvenience to notify the merchant in advance after payment is completed >> <Inconvenience to notify customer's account number in response to customer's inquiry >, <Guideline for flexible payment enjoyment of online payment without any inconvenience of having to check with the financial institution whether or not the customer's payment is properly deposited in the account> .

Other objects of the present invention will become more apparent from the following detailed description and the accompanying drawings.

In order to achieve the above object, in the present invention, based on the online network, the signal is selectively connected to the customer communication device, the customer's easy to obtain and recognize the merchant side open unique number as a key value, each A billing attribute processing server that collectively manages and stores the merchant registration information so that the customer's payment price can be transferred to the merchant side according to the request event output from the customer communication device side, and the payment settlement Controlled by the attribution processing server, and when the open unique number is input from the customer communication device side, the merchant opening to check and search the affiliated store registration information, to selectively determine a particular affiliate store corresponding to the open unique number The unique number check module and the payment settlement processing server is controlled by the After extracting the registration information of the affiliated store determined by the point opening unique number check module, the merchant registration information providing module for providing the extracted registration information to the customer communication device side, and is controlled by the billing attribution processing server, the customer When payment information corresponding to the affiliated store registration information is transmitted from the communication device side, a customer payment request processing module for transferring the payment amount corresponding to the payment information from the customer side account to the merchant side account, and the payment attribute processing Controlled by the server, and by performing the function of the customer payment request processing module, when the transfer of the payment amount is completed, the payment processing result of transmitting the transfer processing result message including the authorization number to the customer and merchant side message receiving terminal Payment based on online network consisting of a combination of notification modules It discloses a processing system property.

Hereinafter, with reference to the accompanying drawings, it will be described in more detail the billing attribute processing system based on the online network according to the present invention.

As shown in FIG. 2, the billing attribution processing system 100 according to the present invention is largely divided into a billing attribution processing server 101 established in an online network 1, for example, a wired / wireless internet network. The customer communication device 2 and the like which are selectively connected and connected to the billing attribute processing server 101 via the on-line network 1 of FIG.

In this case, the attribute payment guide page operation module 110 controlled by the payment attribute processing server 101 is connected to the online banking period system 200 through the customer communication device 2 at the customer side. When a menu item for payment attribution processing provided by the system 200 is selected and a series of payment attribution processing request events are generated from the customer communication device 2 side, various types of operational information, such as Flexible extraction of various texts / images / images / links / program information and various wired / wireless web page setting information for generating a wireless web page, and based on each extracted operation information, as shown in FIG. 3. By generating the same set of attribute payment guide page 301, and selectively transmits and publishes the generated attribute payment guide page 301 to the customer communication device (2), The basic environment for various services according to the procedure gold payment attributes processing server 101 is a secondary composition to be smoothly without any problem.

In this case, as the customer communication device 2, for example, a special mobile device, a general mobile device, a notebook PC, a desktop PC, etc., in which a banking business-related chip is embedded, may be flexibly selected according to a customer's situation. Mobile devices include cellular phones, PCS phones (Personal Communications Services phones), synchronous and asynchronous IMT-2000 (International Mobile Telecommunication-2000), Palm Personal Computers, and personal digital assistants. A personal digital assistant (PDA), a smart phone, a wireless application protocol phone (WAP phone), a play-station, or the like may be flexibly selected.

In this situation, the payment settlement processing server 101 forms a series of communication relationships with the on-line banking backbone system 200 belonging to a financial institution such as a bank via the interface module 102. In addition, through the D / B management module 140, customer registration information D / B 151 of the D / B block 150, merchant registration information D / B (152), payment processing result information D / B 4, at the customer C side who purchased goods / services from the affiliated store K side through a series of ordering procedures, as shown in FIG. 4, forming a series of communication relationships with the customer communication device. Through (2), when entering a merchant opening unique number (e.g., a representative phone number, etc.) and requesting an attribute transfer procedure of a self-payment payment, in communication with the online banking period system 200, Various procedures, for example, a section for checking an affiliate store K corresponding to the affiliate open number. Car, the procedure to extract the merchant registration information, and provide it to the customer (C) side, the process of transferring the payment amount presented by the customer (C) side from the customer side account 201 to the merchant account (202), transfer The overall control of the process of providing the result to the message receiving terminal (3,4: mobile device) of the customer and the merchant side, and through this, the overall management to ensure that the customer's payment price is naturally transferred to the merchant side. Will be performed.

At this time, the previous D / B management module 140, according to the computerized events of each of the computer modules arranged in the system 100, the necessary area of the D / B block for the various data required for the execution of the <payment attribution processing service> It stores selectively in, or vice versa, loading and outputting.

In this case, the D / B management module 140 not only plays a role of storing and outputting various data, but also simultaneously plays an intelligent role of efficiently managing the data in the fastest time without duplication.

Here, the customer registration information storage D / B 151 disposed in the D / B block 150 may include, for example, customer identification information, customer account number information, customer mobile device phone number information, purchase history information, online banking agreement information, and the like. As shown in FIG. 5, the merchant registration information storage D / B 152 stores and manages various customer registration information. , The representative landline telephone number, the representative mobile device telephone number, etc.) as key values, and each merchant registration information (e.g., merchant name information, merchant address information, merchant account number information, sales history information, merchant contract information, etc.) It performs the role of selectively storing and managing, payment processing result information D / B (153) is the approval number history information, settlement history information, transaction history information, settlement method information, etc. for each customer / merchant It will perform the role of a reliable storage management.

As described above, the merchant registration information storage D / B 152 is easy to access the customer side registration information (ie, the customer can easily obtain and recognize) merchant side open unique number (for example, representative When a phone number is used as a key value and selectively stored and managed, the customer (C) side is merely widely advertised and publicly known without the inconvenience of inquiring the account number of the merchant (K). With a simple procedure of entering the representative phone number of the affiliated store (K), it selectively uploads the registration information of the specific affiliated store (K) desired by the user, thereby providing a series of payment procedures (that is, paying the payment amount from the own account, the merchant) (Transferring to the side account) as a property, and finally, in this situation, the merchant K side also notifies the customer side of its account number in response to the inquiry from the customer C side. Flexible to inconvenience> Able to escape, yet, without difficulty, be able to quickly collect the customer (C) side Payment online.

Of course, under such a situation that the convenience of online payment is improved to an optimal state, the size of the customer (C) who actively uses this online payment as a means of purchasing his own goods / services can naturally increase. (K) will be able to flexibly enjoy the significant increase in the volume of its goods / services sales.

At this time, the billing attribute processing server 101, in order to ensure the stable execution of the above-mentioned billing attribute processing service, in its own control system, the previous attribute settlement guide page operation module 110, D / B management module 140 In addition, the merchant opening unique number check module 120, merchant registration information providing module 130, customer payment request processing module 180, payment processing result notification module 160, payment processing result storage module 170 and the like It will be deployed throughout.

Here, the merchant opening unique number check module 120 controlled by the payment attribute processing server 101 is connected to the system 100 by the customer (C), the attribute payment guide page as shown in FIG. After posting the 301 through the customer communication device 2, utilizing the necessary items 302a, 302b and 303, the merchant K to order or purchase (or pre-order or purchase) the goods / services. Enter an open unique number (e.g., a representative phone number, etc.) (Repeatly, the open unique number such as the representative phone number is widely known to the public by advertising on the merchant side. Without having to be easily obtained and recognized), and through this, when a series of merchant registration information providing request events occur from the customer communication device 2 side, the D / B management module 140 immediately. Through the store, store registration information D / B In communication with (152), the merchant (K) corresponding to the corresponding open unique number is to check and determine to the counterparty of the customer.

By performing the function of the merchant opening unique number check module 120, if a specific merchant corresponding to the opening unique number is checked as a counterpart, the merchant registration information providing module controlled by the payment attribute processing server 101 130 immediately communicates with the affiliated store registration information storage D / B 152 via the D / B management module 140, and registers various registered information belonging to the affiliated store, for example, affiliate store mutual information and affiliated store. After extracting address information, merchant representative name information, merchant contact information, and the like, based on the extracted registration information, a series of merchant registration information report pages 304 as shown in FIG. 6 are generated, and the generated merchant registration information report is completed. It is responsible for transmitting, providing and posting the page 304 to the customer communication device 2 in close communication with the attribute payment guide page operation module 110 and the interface module 102. It becomes.

Of course, in the posting situation of the merchant registration report page 304, the customer (C) side, for example, the merchant (K) corresponding to the representative phone number entered by the <self-purchased order / purchase (or, It is easy to check whether or not it is actually matched with an affiliated store that has been ordered and purchased in advance. do.

On the customer's side of the merchant registration information report page 304 described above, the merchant corresponding to the representative phone number entered by the <subscriber entered by the merchant and the merchant that he / she ordered (or purchased in advance) >, And determine the progress of the actual payment process, when selecting the payment-related item 305 of the merchant registration information report 304, controlled by the payment attribute processing server 101 The customer payment request processing module 180 immediately generates a series of payment progress guide pages 306 as shown in FIG. 7, and generates the completed payment progress guide page 306 as an attribute payment guide page operation module. In close communication with the interface 110 and the interface module 102, the mobile communication device 110 transmits, provides, and posts the information to the customer communication device.

In the posting situation of the payment progress guide page 306, the customer inputs information such as a payment amount, for example, and then selects a payment related item 307 to perform a full payment procedure (that is, the payment amount is the customer side). In the account 201, the process of the transfer to the merchant side account 202) is requested, and accordingly, when the payment information corresponding to the merchant registration information is transmitted from the customer communication device 2 side, the customer payment The request processing module 180 immediately communicates with the customer registration information storage D / B 151, the merchant registration information storage D / B 152, etc. via the D / B management module 140, and the payment price. After obtaining information related to payment (eg, customer side account information, merchant side account information, etc.), the communication with the online banking system 200 is established, and the payment amount corresponding to the above payment information is stored on the customer side account 201. To transfer from the merchant account (202) Is performed (see Fig. 4).

Through the above-described procedure, when the payment of the customer (C) side corresponding to the goods / services purchased from the affiliated store (K) is completed from the customer side account 201 to the merchant side account 202, the payment attribute As shown in FIGS. 8A and 8B, the payment processing result notification module 160 controlled by the processing server 101 may include a series of transfer processing result information (eg, a transaction) including transfer approval numbers 308a and 309a. After generating the transfer processing result message (308,309) containing the historical time information, transaction history party information, etc.), the generated transfer processing result message (308,309: in this case, the transfer processing result message may take the form of SMS, for example) To the customer and merchant side message receiving terminal (3, 4, for example, mobile device, e-mail account, etc.) via the interface module 102, and serves to transmit.

Of course, under this procedure, the merchant K receiving the transfer processing result message 308 through the message receiving terminal 4 (see FIG. 8A) <whether the payment amount of the customer (C) side has been properly deposited in the self account. It is very easy to confirm that the payment amount corresponding to the goods / services sold by the customer was normally received from the customer side without any inconvenience of having to check whether the financial institution side has to check it individually, and the message receiving terminal (3). Through the transfer process result message 309, the customer side (see Fig. 8b), even after the payment is completed, the merchant (K) side, you can easily escape the inconvenience of having to notify each day that the payment is completed> In this case, it can be confirmed very quickly.

In this case, when the payment processing result notification module 160 of the present invention generates the transfer processing result messages 308 and 309, the approval numbers 308a and 309a included therein are assigned to the same number to the customer C and the affiliated store K. Take measures to give.

Of course, when the authorization numbers 308a and 309a included in the transfer processing result messages 308 and 309 have the same number, even if the customer (C) and the merchant (K) who made a transaction have a large amount of existing transactions, Settlement and verification of payments can be made more convenient.

Through the above procedure, the payment processing result storage module 170 controlled by the payment processing attribute processing server 101 in the situation that the payment processing result messages 308, 309 is notified to the customer (C) and the merchant (K) side. Communicates with the payment processing result information storage D / B 153 via the D / B management module 140 and stores the transfer processing result message in the payment processing result information D / B 153. Will be performed.

Of course, in the case of storing such a transfer processing result message, the system 100 later targets the customer C and the affiliated store K, for example, <service providing a purchase history of goods / services of the customer>, < Services that provide a history of merchandise / service sales of merchants> can be effectively implemented.

Hereinafter, a series of payment attribution processing services by the above-mentioned payment attribution processing system 100 of the present invention are frequently performed in order / delivery specialties, such as <product / service, etc., frequently made through a small amount of cash transactions. In Chicken Delivery, let's take a look at an example.

As shown in Figure 9, under the implementation of the present invention, through a customer ordering device, through a customer ordering device (2), at the customer (C1) side of the chicken store (K1) through a series of ordering process, the chicken store When entering the representative telephone number (K1), when requesting the attribute transfer procedure of the self-payment, the payment attribute processing server 101 immediately utilizes the merchant opening unique number check module 120, this representative After checking and checking the merchant corresponding to the telephone number, that is, the chicken store K1 as the payment counterpart, using the merchant registration information providing module 130, transmitting the chicken store registration information report page to the customer communication device 2 side. · Proceed with the provision and posting process.

Of course, the above-mentioned representative phone number is widely known by advertisements on the chicken store K1 side, so that the customer C1 can easily obtain and recognize the chicken store K1 without further inquiring. Therefore, on the customer C1 side, without the inconvenience of inquiring of the account number to the chicken store K1, only by a simple procedure of inputting a representative telephone number of a widely-advertised and publicized chicken store K1 side, Selectively upload the registration information of the chicken store K1 desired by the customer, and perform a series of payment procedures (that is, transfer the payment from the self account 201 to the chicken store account 202). In this situation, the chicken shop K1 side also needs to inform the customer C1 of their account number in response to an inquiry from the customer C1. To be flexible At the same time, it is possible to quickly collect the payment amount of the customer C1 side online without any difficulty.

On the other hand, through the chicken store registration information report page described above, the chicken store (where the chicken store K1 corresponding to the representative telephone number entered by the person) ordered / purchased the goods / services (or ordered / purchased in advance) ( When the customer confirms that &quot; substantially matches K1) &quot; determines the progress of the actual payment process and selects a payment related item on the merchant registration information report page, the payment attribute processing server 101 pays the customer. After using the payment request processing module 180, the procedure for transferring the payment amount specified by the customer (C1) side from the customer side account 201, chicken store side account 202, the payment processing result notification module By using the 160, the transfer processing result message including the transfer approval number is sent to the customer and merchant side message receiving terminal (3,4: mobile device, e-mail account, etc.). After all, through the message receiving terminals 3 and 4, the chicken store K1 and the customer C1, who received the transfer result message, received the financial institution from the financial institution. Incoming / outgoing status of payments (i.e. payment amount) without suffering any inconveniences that must be confirmed to each side>, <inconvenience to notify the merchant after payment is completed> It is easy to check the transfer status of), and, in the end, it is easy to complete the chicken buying / selling transaction without any difficulty.

At this time, as described above, since the approval number included in the transfer processing result message is given the same number to both the customer (C1) and the chicken store (K1) making a transaction, the customer (C1) and chicken store (K1) Even if the amount of transactions (ie, the amount of chicken purchased by the customer) is large, the settlement or verification of the current payment amount can be performed more conveniently.

As described in detail above, in the present invention, the merchant-side open unique number (for example, the representative telephone number, etc.) that is easy to access to the customer (that is, the customer can easily obtain and recognize) is a key value. Selectively store and manage affiliate store registration information (member store address, merchant name, representative name, representative phone number, representative mobile device number, account number, transaction history, settlement details, authorization number, etc.) As soon as the customer who purchases the customer enters the corresponding opening number of the merchant, the computer module can extract and provide the corresponding merchant registration information, and the customer who checks the registration information will deposit the payment to the merchant account. As soon as the request is made, a computer module can be used to cash the payment from the customer's account to the merchant's account. And a computing module that can be generated and transmitted to the merchant side message receiving terminal (eg, a mobile device) as a series of payment attribute processing pipelines, through which the customer and the merchant side, for example, <the merchant side Inconvenience to inquire the account number one by one>, <Inconvenience to notify the merchant after payment is completed one by one>, <In response to the customer's inquiries, the company's account number is sent to the customer You will be able to enjoy the convenience of online payments flexibly without suffering any inconveniences that must be notified> or <convenience to check whether the customer's payment amount has been properly deposited in the account>. I can guide you to help.

While specific embodiments of the invention have been described and illustrated above, it will be apparent that the invention may be embodied in various modifications by those skilled in the art.

Such modified embodiments should not be understood individually from the technical spirit or point of view of the present invention and such modified embodiments should fall within the scope of the appended claims of the present invention.

Claims (3)

Based on the online network, the signal is selectively connected to the customer communication device, and each store registration information is selectively stored and managed, with the key value of the open unique number on the merchant side easily acquired and recognized by the customer. A billing attribute processing server that manages the entire payment so that the customer's payment amount can be transferred to the merchant side according to the request event output from the customer communication device side; Controlled by the payment attribute processing server, and when the open unique number is input from the customer communication device side, by checking and searching the affiliated store registration information, selectively determining a specific merchant corresponding to the open unique number Merchant opening unique number check module; An affiliated store registration information providing module controlled by the payment attribute processing server and configured to extract registration information of the affiliated store determined by the affiliated store opening unique number check module and provide the extracted registration information to the customer communication device; When the payment information corresponding to the affiliated store registration information is transmitted from the customer communication device side and controlled by the payment settlement processing server, transferring the payment amount corresponding to the payment information from the customer side account to the merchant side account. A customer payment request processing module; Controlled by the payment attribute processing server, and by the function of the customer payment request processing module, when the transfer procedure of the payment amount is completed, the transfer processing result message including the authorization number to the customer and merchant side message receiving terminal Payment processing attribute processing system based on the online network comprising a payment processing result notification module for transmitting to. The billing attribute processing system according to claim 1, wherein the approval number included in the payment processing result message is assigned to the same number to the customer and the affiliated store. The price based on the online network of claim 1, further comprising a payment processing result storage module which is controlled by the payment attribute processing server and stores and manages the transfer processing result message including the authorization number. Payment attribute processing system.

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