KR100764076B1 - Method and apparatus for providing an alternative settlement service - Google Patents

Abstract

The present invention relates to a method and apparatus for providing an alternative payment service. Alternative payment service providing method according to the present invention comprises the steps of receiving a product information request signal from the user terminal, extracting the product information corresponding to the product information request signal, generating a page including the extracted product information, generated Transmitting a page to a user terminal, receiving product selection information and an alternative payment click event selected by the user from the user terminal, wherein the alternative payment click event is at least an alternative payer terminal corresponding to the alternative payer; Calculating a payment amount corresponding to the product selection information; generating a payment processing page displaying at least the calculated payment amount and user information corresponding to the user terminal; Transmitting to the alternative payment terminal using the alternative payment terminal From the using step and the received billing information for receiving the billing information generated by the settlement processing page comprises the steps of processing a payment according to the item selection information.

Alternative, payment, service, mobile, network

Description

Method and apparatus for providing an alternative settlement service             

1 is a schematic diagram of a system for alternative payments in accordance with one preferred embodiment of the present invention;

Figure 2 is a block diagram schematically showing the internal configuration of the e-commerce server according to an embodiment of the present invention.

Figure 3 is a schematic diagram showing the internal configuration of a database according to an embodiment of the present invention.

Figure 4a is a flow chart illustrating an alternative payment service process according to an embodiment of the present invention.

Figure 4b is a flow chart showing an alternative payment service process according to another preferred embodiment of the present invention.

5 is an exemplary view showing an example of an initial page according to a preferred embodiment of the present invention.

6A illustrates an example of a web page including product information according to an exemplary embodiment of the present invention.

6B illustrates an example of a web page that includes ticket information in accordance with one preferred embodiment of the present invention.

7A illustrates an example of a web page for a particular product, in accordance with one preferred embodiment of the present invention.

FIG. 7B illustrates an example of a web page for a particular ticket in accordance with one preferred embodiment of the present invention. FIG.

8A illustrates an example of a page for inputting alternative biller information according to an exemplary embodiment of the present invention.

8B is a view showing an example of a page for inputting alternative payer information according to another preferred embodiment of the present invention.

9A is a diagram illustrating a screen flow in a user terminal according to an exemplary embodiment of the present invention.

9B is a diagram illustrating a screen flow in a user terminal according to another preferred embodiment of the present invention.

10A is a diagram illustrating a screen flow in an alternative payer terminal according to an embodiment of the present invention by way of example.

10B is a diagram illustrating a screen flow in an alternative payer terminal according to another preferred embodiment of the present invention.

<Explanation of symbols for main parts of the drawings>

101... E-commerce server 103. User terminal

105... Alternative payer terminal 107. Communication network

201... Control unit 203. Database

205... Web page generating unit 207. Merchandise Management Department

209... Payment processing unit 211. Transceiver

301... Customer database 303... Web page database

305... Commodity database

The present invention relates to a method and apparatus for providing an alternative payment service, in which a third party can make a payment on behalf of a purchase or purchase of a product or a ticket.

A third party payment service in a wired communication network such as the Internet is disclosed in http://www.vitamintong.co.kr or http://www.hangame.naver.com. In the site, a user sends a message to a friend, a lover, a parent, a relative, or the like, and then sends a message to a friend who receives the mail. It provides a service to buy. The alternative payment service has a number of advantages, such as a minor without a purchasing power can conveniently purchase goods, etc., and to activate electronic commerce.

However, due to the alternative payment service is not combined with the wireless Internet, there is a side that can not be activated. As the alternative payment service delivers a message or the like to the alternative payer who will easily perform the alternative payment in real time in combination with the wireless communication network and the wireless Internet, there is a need for the alternative payment service to be activated.

It is an object of the present invention to provide a method and system that allows a third party to make payments on behalf of a third party for a purchase or purchase of goods or tickets using a mobile communication network.

Another object of the present invention is to provide a method and system that allows a third party to conveniently pay for a purchase or purchase of a product or a ticket using SMS or MMS.

According to an aspect of the present invention to achieve the above object, a method for providing an alternative payment service in an electronic commerce server coupled with at least one user terminal through a communication network, the product information request signal from the user terminal Receiving, extracting commodity information corresponding to the commodity information request signal, generating a page including the extracted commodity information, transmitting the generated page to the user terminal, from the user terminal Receiving a product selection information and an alternative payment click event selected by the user using the page, wherein the alternative payment click event includes at least an identifier of an alternative payer terminal corresponding to the alternative payer; Calculating a payment amount corresponding to at least Generating a payment processing page displaying the calculated payment amount and user information corresponding to the user terminal, transmitting the generated payment processing page to the alternative payment terminal using the identifier, from the alternative payment terminal An alternative payment service providing method may include receiving payment information generated by using a payment processing page and processing payment according to the product selection information by using the received payment information.

In a preferred embodiment, the payment processing page is transmitted through the mobile communication network and payment information is received, the alternative payment terminal is characterized in that the mobile communication terminal. The method may further include generating a transmission confirmation page indicating that the payment processing page is transmitted to the alternative payment terminal, and transmitting the generated transmission confirmation page to the user terminal. In addition, the product information may include ticket information for viewing a video or performance. The payment processing page may display at least one of a credit card payment method, a micro payment method, and a bank transfer payment method.

According to another aspect of the invention, in the alternative payment service providing apparatus for providing an alternative payment service in combination with at least one user terminal via a communication network, a memory for storing a program, coupled with the memory to execute the program And a processor to receive a product information request signal from the user terminal, extract product information corresponding to the product information request signal, and generate a page including the extracted product information. And transmit the generated page to the user terminal, and receive from the user terminal the product selection information and the alternative payment click event selected by the user using the page, wherein the alternative payment click event is at least the alternative payer. Alternative payer equivalent to A payment processing page for calculating a payment amount corresponding to the product selection information, and displaying at least the calculated payment amount and user information corresponding to the user terminal, and generating the payment processing page. Transmitting to the alternative payment terminal by using an identifier, receiving payment information generated using the payment processing page from the alternative payment terminal, and processing payment according to the product selection information using the received payment information. An alternative payment service providing apparatus may be provided.

Next, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a view schematically showing a system for alternative payment according to an embodiment of the present invention.                     

Referring to FIG. 1, an electronic commerce server 101 couples with a user terminal 103 and an alternate payer terminal 105 via a communication network 107. In particular, the electronic commerce server 101 couples with the user terminal 103 which is a mobile communication terminal and the alternative payer terminal 105 via the mobile communication network 107. Based on the configuration as described above, when the alternative payment service according to the present invention schematically.

A user who is a customer who wants to purchase or reserve a ticket for a product, a performance, and a video object (hereinafter, referred to as a purchase) through the e-commerce server 101 sends an access request signal using his user terminal 103. Send to server 101. Upon receiving the access request signal, the electronic commerce server 101 extracts an initial page for inputting login information and transmits the initial page to the user terminal 103. The user terminal 103 inputs login information into the received initial page, receives member authentication, and then transmits a product information request signal for requesting product information to the electronic commerce server 101. In response to the product information request signal, the e-commerce server 101 extracts the product information, generates a product page including the same, and transmits the product page to the user terminal 103. The product page includes not only product information, but also an alternative payment service item that can be paid by an alternative payer on behalf of the user.

When a user selects a specific product using a product page and then selects an alternative payment service item and inputs alternative payment information, the user terminal 103 sends the product selection information and the alternative payment click event by the user to the e-commerce server ( 101). The e-commerce server 101 extracts the identifier of the alternative payer terminal based on the alternative payment click event, generates a payment processing page for payment for the product selected by the user, and transmits it to the alternative payer terminal 105. . The alternative payer terminal 105 transmits the payment information to the electronic commerce server 101 using the received payment processing page. The e-commerce server 101 receiving the payment information processes the payment for the product selected by the user.

2 is a block diagram schematically illustrating an internal configuration of an e-commerce server according to an exemplary embodiment of the present invention.

Referring to FIG. 2, the e-commerce server 101 includes a transceiver 211, a web page manager 205, a product manager 207, a payment processor 209, a database 203, and a controller 201. .

The transceiver 211 transmits and receives signals with at least one user terminal and at least one alternative payer terminal through a wired communication network or a wireless communication network. In detail, the transceiver 211 receives a connection request signal, a product information request signal, and product selection information from a user terminal according to a control signal of the control unit 201, and receives payment information from an alternative payer terminal. In addition, the transmission / reception unit 211 transmits various web pages including an initial page, a product page, a transmission confirmation page, etc. to a user terminal by a control signal of the control unit 201, and transfers a payment processing page or the like to an alternative payment terminal. To send.

The web page management unit 205 extracts the necessary information stored in the database 203 according to the control signal of the control unit 201, and processes the payment to be transmitted to the alternative payer terminal such as an initial page, a product page, a delivery confirmation page, etc. to be transmitted to the user terminal. It is responsible for creating various web pages such as pages.

The commodity management unit 207 serves to add, change, or delete information about a commodity for electronic commerce to a database by a control signal of the control unit 201. In addition, the payment processing unit 209 processes the payment for the product selected by the user by using the payment information received from the alternative payment terminal by the control signal of the control unit 201.

The database 203 includes a web page database for storing data necessary for generating a web page, a customer database for storing user information, and a product database for storing information on products for electronic commerce. In addition, the control unit 201 manages and controls the transmission and reception unit 211, the web page management unit 205, the product management unit 207, the payment processing unit 209 and the database 203 as a whole and the replacement according to the present invention. It provides a payment service.

In another preferred embodiment of the present invention, the e-commerce server 101 may include a memory including a database 203 and a function of the controller 201, the web page manager 205, the product manager 207, and the payment processor 209. It may be configured to include a processor for performing the operation, the transceiver 211 and the input unit. The memory stores a program for performing an alternative payment service according to the present invention, and the processor executes the program by performing a high speed operation in combination with the memory. The processor includes an Arithmetic Logic Unit (ALU) to perform high-speed computation, a register to temporarily store data and instructions, and a controller to control the operation of the e-commerce server. The memory includes high speed main memory such as random access memory (RAM) and read only memory (ROM), and auxiliary memory which is a long-term storage medium such as floppy disk, hard disk, tape, CD-ROM, and flash memory. The transceiver 211 transmits and receives various signals with at least one user terminal through wired and wireless communication networks, or a network interface for transmitting and receiving various signals with at least one alternative payer terminal through a wireless communication network, an RF transceiver antenna, and the like. The same device can be used. In addition, the input unit may include a physical transducer such as a keyboard, a mouse, a touch screen, a microphone, or the like.

In another preferred embodiment of the present invention, the e-commerce server 101 may include an application program interface (API), a high level command processor, an application module controller, and various application modules. The application module may include a transmission / reception processing module, a web page management module, a product management module, a payment processing module, and the like. The e-commerce server 101 may use various operating systems (OSs), which provide high-level instructions to APIs to control the operation of each application module. The high level command processing unit identifies a corresponding application module according to a high level command provided from an API, and provides a high level command to an application module control unit for controlling the corresponding module by decoding the high level command. The application module controller controls each application module by using the decoded high level command.

3 is a diagram schematically showing an internal configuration of a database according to an embodiment of the present invention.                     

Referring to FIG. 3, the database 203 includes at least a customer database 301, a web page database 303, and a product database 305. The customer database 301 stores various information such as name, address, social security number, age, gender, e-mail address, mobile phone number, ID, password, etc. for the user corresponding to the user terminal. Among the information stored in the customer database 301, an ID and a password are used for member authentication, and a user name, address, e-mail address, mobile phone number, and the like are used to deliver a product selected by the user. The web page database 303 stores various pages such as an initial page, a product page, a delivery confirmation page, and a payment processing page, or stores data for generating the various pages. In another preferred embodiment of the present invention, the web page database 303 may separately generate and store a wired page for a wired communication user and a wireless page for a wireless communication user. In addition, the product database 305 stores various product information to be included in the web page.

4A is a flowchart illustrating an alternative payment service process according to an exemplary embodiment of the present invention. The e-commerce server will be replaced with a shopping mall server.

Referring to FIG. 4A, a customer who wants to pass a payment for a product purchase to an alternative payer transmits a connection request signal to a shopping mall server using his or her user terminal (step 401). The access request signal is transmitted to the shopping mall server by inputting and executing a web site address (URL) operated by the shopping mall server into an address input window of a browser provided in the user terminal. In response to the received access request signal, the shopping mall server extracts an initial page from the web page database and transmits the initial page to the user terminal (step 403). The initial page may be represented as shown in FIG. 5.

5 is an exemplary view showing an example of an initial page according to an embodiment of the present invention.

Referring to FIG. 5, the initial page includes at least an ID input area 501 and a password input area 503. The ID and password entered by the user using the initial page are transmitted to the shopping mall server and used for member authentication. If the user is not a registered member, the shopping mall server may transmit a member registration page for describing the ID, password, name, address, etc. to the user terminal for member registration. The user requests membership registration by filling in the necessary information on the member registration page sent to the user terminal, and the shopping mall server may register the user as a member by receiving the necessary information for membership registration and registering it in the customer database.

Referring to FIG. 4A again, the user generates a product information request signal using the user terminal and transmits the signal to the shopping mall server (step 405). In response to the product information request signal transmitted from the user terminal, the shopping mall server extracts information about the corresponding product from the product database, and then generates a product page including the product information extracted through the web page generating unit (step 407). Thereafter, the shopping mall server transmits the generated product page to the user terminal (step 409). The product page generated by the shopping mall server will be described with reference to FIG. 6A.

6A is a diagram illustrating an example of a web page including product information according to an exemplary embodiment of the present invention.

Referring to FIG. 6A, a product page includes a product information area 601, an upper menu area 603, and a left menu area 605. The product information area 601 includes a plurality of specific product information 609. The product information 609 may include an image of a product, a product name, a product number, a price, and the like. The upper menu area 603 includes menus for browsing basically provided by a browser such as an explorer, and since this is a general matter, a detailed description thereof will be omitted. The left menu area 605 displays the products classified into categories so that the user can easily select the products. In order to explain the present invention, it is assumed that a user selects a computer using the product page displayed on the user terminal.

Referring back to FIG. 4A, the user selects a specific product by using the product page transmitted to the user terminal. For convenience of description of the present invention, it is assumed that a user selects a computer using the product page. The shopping mall server generates a web page including a detailed description of a specific product selected by the user and transmits the web page to the user terminal. A web page for a particular product will be described with reference to FIG. 7A.

7A illustrates an example of a web page for a specific product according to an exemplary embodiment of the present invention.

Referring to FIG. 7A, the page includes a specific product information area 701, an upper menu area 603, a left menu area 605, and an alternative payment button 703. Since the upper menu area 603 and the left menu area 605 have been described with reference to FIG. 6A, detailed description thereof will be omitted. The specific product information area 701 is an area for displaying a detailed description of the specific product 'IBM computer' when the user selects a specific product 'IBM computer' from the product page shown in FIG. 6A. The user clicks on the 'Purchase Buy' button, which is an alternative payment button 703, to allow a third party to make a payment for the particular product selected. The product information selected by the user using the product page and the specific product page and a click event for an alternative payment button ('troll' button) are transmitted to a shopping mall server through a communication network.

The shopping mall server generates an alternative payer information input page for inputting the alternative payer information corresponding to the click event for the alternative payment button ('joke to buy' button) and transmits it to the user terminal. The alternative payer information input page will be described with reference to FIG. 8A.

8A is a diagram illustrating an example of a page for inputting alternative payer information according to an exemplary embodiment of the present invention.

Referring to FIG. 8A, an alternative payer information input page includes an alternative payer information input area 801, an upper menu area 603, a left menu area 605, and the like. The description of the upper menu area 603 and the left menu area 605 will be omitted. The alternative biller information input area 801 may include a name input part 803 of the alternative biller, an e-mail address input part 805, a mobile phone number input area 807, and a content input part 809. When the user inputs the name, email address, mobile phone number and contents of the substitute payer using the substitute payer information input page output on the user terminal, the input information is transmitted to the shopping mall server through the communication network.

Referring back to FIG. 4A, the shopping mall server generates the payment processing page after receiving the information about the alternative payer. The payment processing page can be generated for wired and wireless use. When the user enters an email address as the alternative billing information, the wired payment processing page is sent corresponding to the email address, and when the mobile phone number is entered as the alternative billing information, the wireless payment processing page is moved. Transmit to the mobile terminal corresponding to the telephone number (step 413). The shopping mall server transmits a payment processing page to the alternative payer, and then transmits a transmission confirmation message to the user terminal (step 415).

In a preferred embodiment of the present invention, when the user enters a mobile phone number as the alternative payer information, the shopping mall server inputs the user's input ('Dad! I want this too ... Please buy it as a graduation gift ^^ ') Is transmitted to the mobile terminal of the alternative payer in the form of SMS. Here, the shopping mall server may include a call back URL in the SMS so that the alternative payer can immediately access the shopping mall server using the SMS transmitted to the mobile terminal. In another preferred embodiment of the present invention, when the user inputs a mobile phone number as the alternative payer information, the shopping mall server may not only input the user's information, but also the image, the detailed information, and the user (man who asks to buy) Voice, video, etc. can be transmitted to the mobile terminal of the alternative payer in the form of MMS. Even in this case, the shopping mall server may include a callback URL in the MMS so that the alternative payer can immediately access the shopping mall server using the MMS transmitted to the mobile terminal. In addition, the payment processing page according to the present invention, a plurality of payment means ('electronic wallet payment', 'credit card payment', 'account transfer payment', 'credit card and cyber cash) so that the alternative payer can freely select a payment method Payment ", etc.) may be displayed.

Subsequently, the alternative payer accesses the shopping mall server directly using the callback URL from the SMS or MMS payment processing page output to the mobile terminal, selects a specific payment method among a plurality of payment means, and selects the payment information. Enter it. For example, the alternative payer may select 'credit card payment' among a plurality of payment methods, and then input payment numbers such as a credit card number, an expiration date, and a password. The payment information input by the alternative payer is transmitted to the shopping mall server through the mobile communication network (step 417), and the shopping mall server processes the payment for the purchase of the specific product selected by the user using the transmitted payment information (step 419). ). When the payment for the purchase of a specific product is completed, the shopping mall server may transmit a payment completion message to the user and the alternative payer. In addition, the shopping mall server may transmit to the user a message to be sent to the user along with the payment completion message. Thereafter, the shopping mall server delivers the specific product purchased based on the delivery information input by the user.

4b is a flowchart illustrating an alternative payment service process according to another preferred embodiment of the present invention. Here, the e-commerce server will be replaced with a ticket sales server, and description of the overlapping part with FIG. 4A will be omitted.

Referring to FIG. 4B, a customer who wants to pass on a payment or purchase of a ticket for an image or a performance to an alternative payer transmits an access request signal to a ticket sales server using his / her user terminal (step 421). ). In response to the received connection request signal, the ticket sales server extracts the initial page from the web page database and transmits the initial page to the user terminal (step 423). The initial page may be represented as shown in FIG. 5.

Thereafter, the user generates a ticket information request signal using the user terminal and transmits it to the ticket sales server (step 425). The ticket sales server extracts the ticket information for the video or the performance from the product database in response to the ticket information request signal transmitted from the user terminal, and then generates a ticket page including the ticket information extracted through the web page generator (step S). 427). Thereafter, the ticket sales server transmits the generated ticket page to the user terminal (step 429). The ticket page generated by the ticket sales server will be described with reference to FIG. 6B.

6B is a diagram illustrating an example of a web page including ticket information according to an exemplary embodiment of the present invention.

Referring to FIG. 6B, the ticket page includes a reservation ranking area 613, an event description area 615, a ticket selection area 617, an upper menu area 609, and a left menu area 611. The advance ranking area 613 is a portion displaying information on a video or performance having a high advance rate for a predetermined period of time. The event description area 615 is a part for displaying a description of the event hosted by the ticket sales server. The ticket selection area 617 includes a drop-down menu 619 by item ('movie type', 'date', 'theater' and 'event') so that the user can select a ticket of a video or performance.                     

Referring back to FIG. 4B, the user selects a specific ticket using the ticket page sent to the user terminal. For convenience of explanation of the present invention, it is assumed that the user selects a ticket for the movie 'Apocalypse of Hell' using the ticket page. The ticket sales server generates a web page including a detailed description of the specific ticket selected by the user and transmits the web page to the user terminal. The web page for the specific ticket will be described with reference to FIG. 7B.

7B is a diagram illustrating an example of a web page for a specific ticket according to an exemplary embodiment of the present invention.

Referring to FIG. 7B, the page includes a specific ticket information area 705, an upper menu area 609, a left menu area 611, and an alternative payment button 707. The specific ticket information area 705 is a detailed description of the specific 'movie apocalypse' ticket when the user selects a ticket for the specific ticket 'movie apocalypse' on the ticket page shown in FIG. 6B. This area displays. The user clicks on the alternative payment button 707 'joke to buy' button to have a third party make a payment for the particular ticket selected. The ticket information selected by the user using the ticket page and the specific ticket page and the click event for the alternative payment button ('troll' button) are transmitted to the ticket sales server through the communication network.

The ticket sales server generates an alternative payer information input page for inputting the alternative payer information corresponding to the click event for the alternative payment button ('joke to buy' button) and transmits it to the user terminal. The alternative payer information input page will be described with reference to FIG. 8B.

8B is a diagram illustrating an example of a page for inputting alternative payer information according to another exemplary embodiment of the present invention.

Referring to FIG. 8B, the alternative payer information input page includes an alternative payer information input area 811, an upper menu area 609, a left menu area 611, and the like. The alternative payer information input area 811 may include a name of the alternative payer 813, an e-mail address input 815, a mobile phone number input 817, and a content input 819. When the user inputs the name, email address, mobile phone number and contents of the substitute payer using the substitute payer information input page outputted on the user terminal, the input information is transmitted to the ticket sales server through the communication network. .

Referring back to FIG. 4B, the ticket sales server generates the payment processing page after receiving the information about the substitute payer. The payment processing page can be generated for wired and wireless use. When the user enters an email address as the alternative billing information, the wired payment processing page is sent corresponding to the email address, and when the mobile phone number is entered as the alternative billing information, the wireless payment processing page is moved. Transmit to the mobile terminal corresponding to the telephone number (step 433). The ticket sales server transmits a payment processing page to the alternative payer, and then transmits a transmission confirmation message to the user terminal (step 435).

In a preferred embodiment of the present invention, when the user enters the mobile phone number as the alternative payer information, the ticket sales server is the user input ('Dad! I want to see this too ... Please show me ^^' ) Is transmitted to the mobile terminal of the alternative payer in the form of SMS. Here, the ticket sales server may include a call back URL in the SMS so that the alternative payer can immediately access the ticket sales server using the SMS transmitted to the mobile terminal. In another preferred embodiment of the present invention, when the user enters the mobile phone number as the alternative payer information, the ticket sales server not only inputs the user's information, but also the image, the detailed information and the user's selection of the ticket selected by the user. Voice, video, and the like, may be transmitted to the mobile terminal of the alternative payer in the form of MMS. Even in this case, the ticket sales server may include a call back URL in the MMS so that the alternative payer can immediately access the ticket sales server using the MMS sent to the mobile terminal. In addition, the payment processing page according to the present invention, a plurality of payment means ('electronic wallet payment', 'credit card payment', 'account transfer payment', 'credit card and cyber cash) so that the alternative payer can freely select a payment method Payment ", etc.) may be displayed.

Subsequently, the alternative payer accesses the ticket sales server directly using the callback URL from the SMS or MMS payment processing page output to the mobile terminal, selects a specific payment method among a plurality of payment means, and then selects the payment information. Enter. For example, the alternative payer may select 'credit card payment' among a plurality of payment methods, and then input payment numbers such as a credit card number, an expiration date, and a password. The payment information input by the alternative payer is transmitted to the ticket sales server through the mobile communication network (step 437), and the ticket sales server processes the payment for the purchase or reservation of the specific ticket selected by the user using the transmitted payment information. (Step 439). When the payment for the purchase or advance purchase of a specific ticket is completed, the ticket sales server may transmit a payment completion message to the user and the alternative payer. In addition, the ticket sales server may transmit to the user a message to be sent to the user along with the payment completion message.

9A is a diagram illustrating an example of a screen flow in a user terminal according to an exemplary embodiment of the present invention.

Referring to FIG. 9A, when a user accesses an e-commerce server using a user terminal and selects a specific product ('IBM computer'), the first screen 901 is output to the user terminal. The first screen 901 is a schematic description (product name, product number, price) of a specific product ('IBM Computer'), an 'image view' item, a 'view detail' item, and an 'alternative payment' Item 909). When the user selects the 'alternative payment (joke to buy)' item 909 on the first screen 901, the e-commerce server recognizes this and then, the user can input a message to be delivered to the alternative biller. Send screen 903. The user may input a message ('Dad! I want this too ... Please buy it as a graduation gift ^^') to the alternative payer using the second screen 903 output to the user terminal. Thereafter, the user terminal outputs a third screen 905 for inputting the mobile telephone number of the alternative payer. The user may input the mobile phone number of the alternative payer using the third screen 905 output to the user terminal. After the user inputs the payer's mobile phone number using the third screen and presses the confirmation button, a confirmation message ('016-111-2222 message has been sent') is output to the user terminal.                     

10A is a diagram exemplarily illustrating a screen flow of an alternative payer terminal according to an exemplary embodiment of the present invention.

Referring to Figure 10a, the user selects the 'alternative payment (buying to buy)' and then enter the message ('Dad! I want this too ... buy as a graduation gift ^^) is SMS or MMS type Is transmitted to the first screen 1001. The first screen 1001 also outputs an image of a particular product ('IBM computer') selected by the user. When the substitute payer presses a call button on the first screen, the substitute payer may talk to the user terminal (if the mobile communication terminal). In addition, when the alternative payer presses the connect button on the first screen, the alternative payer terminal accesses the electronic commerce server by the callback URL transmitted together with the SMS or the MMS. After recognizing the connection by the callback URL, the e-commerce server transmits the second screen 1003, which is a login screen for member authentication, to the alternative payer terminal. The alternative payer may enter a password on the second screen 1003 output on the alternative payer terminal and then press a confirmation button to receive member authentication. After membership authentication, the e-commerce server sends a third screen 1005 to the alternate payer terminal displaying a schematic description of the particular product ('IBM computer') the user wishes to purchase. The third screen 1005 includes a schematic description (product name, product number, quantity, price, etc.) of a specific product ('IBM computer'), a 'detailed information' item, and a 'payment list' item. When the alternative payer selects the 'detailed information' item on the third screen 1005 output to the alternative payer terminal, a detailed description including an image of the specific product ('IBM computer') is output to the alternative payer terminal. . When the alternative payer selects the 'payment list' item on the third screen 1005, the fourth screen 1007 is output to the alternative payer terminal. The fourth screen 1007 includes a list of payment methods ('electronic wallet payment', 'credit card payment', 'bankbook payment', 'credit card + cyber cash'). Here, it is assumed that the alternative payer selects a 'credit card payment' item among the plurality of payment means.

Subsequently, the e-commerce server replaces the fifth screen 1009 displaying payment details ('credit card payment') by an alternate payer for a particular product ('IBM Computer') selected by the user ('Hong Gil Dong'). Send to the payer terminal. After the alternative payer reviews the fifth screen 1009 output on the alternative payer terminal and presses the confirmation button, the sixth screen 1011 is output on the alternative payer terminal. The substitute payer may input a message to be sent to the user (Hong Gil Dong) using the sixth screen 1011 output on the substitute payer terminal. Thereafter, the electronic commerce server transmits a seventh screen 1013 displaying a message of payment completion to the alternative payer terminal. The seventh screen 1013 is output on the alternative payer terminal.

9B is a diagram illustrating an example of a screen flow in a user terminal according to another exemplary embodiment of the present invention.

Referring to FIG. 9B, when a user accesses an e-commerce server using a user terminal and selects a specific ticket (movie 'Apocalypse of Hell'), the first screen 911 is output to the user terminal. The first screen 911 shows a schematic description (movie name, theater name, date, amount) of a specific ticket (movie name, theater name, date, amount), an 'image view' item, a 'view detail' item, and a ' Item 919). When the user selects the 'alternative payment (joke to buy)' item 919 on the first screen 911, the e-commerce server recognizes this and then, the user can input a message to be transferred to the alternative biller. Send screen 913. The user may input a message ('Dad! I want to see this too ... Show me ^^') to be sent to the alternative payer using the second screen 913 output to the user terminal. Thereafter, the user terminal outputs a third screen 915 for inputting a mobile telephone number of an alternative payer. The user may input the mobile telephone number of the alternative payer using the third screen 915 outputted to the user terminal. After the user inputs the payer's mobile phone number using the third screen and presses the confirmation button, a confirmation message ('016-111-2222 message has been sent') is output to the user terminal.

10B is a diagram illustrating a screen flow in an alternative payer terminal according to another embodiment of the present invention by way of example.

Referring to FIG. 10b, the user selects an 'alternative payment (joke to buy)' item and then enters a message ('Dad! I miss this too ... Please show me ^^)' to be sent in SMS or MMS form. The first screen 1015 is output on the alternative payer terminal. The first screen 1015 also outputs an image of a specific ticket selected by the user (movie 'Apocalypse of Hell'). When the substitute payer presses a call button on the first screen, the substitute payer may talk to the user terminal (if the mobile communication terminal). In addition, when the alternative payer presses the connect button on the first screen, the alternative payer terminal accesses the electronic commerce server by the callback URL transmitted together with the SMS or the MMS. After recognizing the connection by the callback URL, the e-commerce server transmits a second screen 1017, which is a login screen for member authentication, to the alternative payer terminal. The substitute payer may enter a password on the second screen 1017 output on the substitute payer terminal, and then press a confirmation button to receive member authentication. After membership authentication, the e-commerce server sends a third screen 1019 displaying a schematic description of the particular ticket (movie 'Apocalypse of Hell') that the user wishes to purchase to the alternative payer terminal. The third screen 1019 includes a schematic description (movie name, theater name, date, amount, etc.), a 'detailed information' item, and a 'payment list' item for a specific ticket (movie 'Hell Apocalypse'). When the alternative payer selects the 'detailed information' item on the third screen 1019 output to the alternative payer terminal, a detailed description including an image of the specific ticket (movie 'Apocalypse of Hell') is transferred to the alternative payer terminal. Is output. When the alternative payer selects the 'payment list' item on the third screen 1019, the fourth screen 1021 is output to the alternative payer terminal. The fourth screen 1021 includes a list of payment methods ('electronic wallet payment', 'credit card payment', 'bankbook payment', 'credit card + cyber cash'). Here, it is assumed that the alternative payer selects a 'credit card payment' item among the plurality of payment means.

Thereafter, the e-commerce server displays a fifth screen 1023 displaying a payment history ('credit card payment') by an alternative payer for a specific ticket selected by the user (Hong Gil Dong) (movie 'Apocalypse of Hell'). Send to the alternative payer terminal. After the alternative payer reviews the fifth screen 1023 output on the alternative payer terminal and presses a confirmation button, the sixth screen 1025 is output on the alternative payer terminal. The substitute payer may input a message to be sent to the user (Hong Gil Dong) using the sixth screen 1025 output on the substitute payer terminal. Thereafter, the electronic commerce server transmits a seventh screen 1027 displaying a message of settlement completion to the alternative payment terminal. The seventh screen 1027 is output on the alternative payer terminal.

The present invention is not limited to the above embodiments, and many variations are possible by those skilled in the art within the spirit of the present invention.

According to the present invention, the purchase of a product or a ticket is activated, and thus, the growth of the e-commerce market, the company manufacturing the product, the distributor who delivers the product, the video industry, or the performance industry may rapidly develop.

In addition, according to the present invention, electronic commerce by the wireless Internet, which is still a weak step, may be activated early.

In addition, according to the present invention there is an advantage that even a minor or a customer who does not have financial purchasing power can do business.

In addition, according to the present invention, due to the active use of the wireless Internet, there is an advantage that can be a way for a mobile carrier to make a certain profit.

In addition, according to the present invention can be used as a gift for the third party can replace the payment for goods or tickets.

Claims (5)

A method of providing an alternative payment service in an e-commerce server coupled with at least one user terminal through a mobile communication network, Receiving a product information request signal from the user terminal; Extracting product information corresponding to the product information request signal; Generating a page including the extracted product information; Transmitting the generated page to the user terminal; Receiving product selection information and an alternative payment click event selected by the user from the user terminal using the page, wherein the alternative payment click event includes an identifier of an alternative payer terminal corresponding to at least an alternative payer; ; Calculating a payment amount corresponding to the product selection information; Generating a payment processing page displaying at least the calculated payment amount and user information corresponding to the user terminal; Transmitting the generated payment processing page to the alternative payment terminal using the identifier, wherein the payment processing page includes a callback URL for accessing the electronic commerce server; Receiving payment information generated using the payment processing page from the alternative payment terminal, wherein the alternative payment terminal transmits the payment information to the electronic commerce server using the callback URL; And Processing a payment according to the product selection information using the received payment information; Alternative payment service providing method comprising a. The method of claim 1, Generating a transmission confirmation page indicating that the payment processing page is transmitted to the alternative payment terminal; And Transmitting the generated transmission confirmation page to the user terminal Alternative payment service providing method characterized in that it further comprises. The method of claim 1, The product information Including ticket information for viewing a video or performance Alternative payment service providing method characterized in that. The method of claim 1, The payment processing page Indicate at least one of the following methods: credit card payment, micropayment, and bank transfer Alternative payment service providing method characterized in that. An alternative payment service providing apparatus for providing an alternative payment service in combination with at least one user terminal through a mobile communication network, A memory for storing a program; A processor coupled with the memory to execute the program Including but not limited to: The processor by the program, Receiving a product information request signal from the user terminal, Extracting commodity information corresponding to the commodity information request signal; Generating a page including the extracted product information, Transmitting the generated page to the user terminal, Receive, from the user terminal, product selection information and an alternative payment click event selected by the user using the page, wherein the alternative payment click event includes at least an identifier of an alternative payer terminal corresponding to the alternative payer; Calculating a payment amount corresponding to the product selection information, Generating a payment processing page displaying at least the calculated payment amount and user information corresponding to the user terminal; Transmitting the generated payment processing page to the alternative payment terminal using the identifier, wherein the payment processing page includes a callback URL for accessing the e-commerce server; Receiving payment information generated using the payment processing page from the alternative payment terminal, wherein the alternative payment terminal transmits the payment information to the e-commerce server using the callback URL; Alternative payment service providing device characterized in that for processing the payment based on the product selection information using the received payment information.

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