KR101101425B1 - Transaction providing system and method with an price input panel - Google Patents

Abstract

The present invention provides a transaction settlement system for providing a transaction settlement between a seller system for registering a sale product in an internet web environment and a buyer system for purchasing the sale product, wherein the request is made to the buyer system at the request of the buyer system. A transaction amount input window provided to include product information, a transaction amount, and a transaction approval code for the sale product; When the purchaser system requests payment through the transaction amount input window, the purchaser system is provided to the purchaser system and then included in the information delivery means by the purchaser system and transferred to the seller system, and the transaction amount input window of the purchaser system is provided. A payment window including a payment classification identifier corresponding to the meta information; An amount confirmation window which is transmitted to the seller system when the seller system selects the deposit window included in the information transmission means and includes a seller's deposit account, the transaction approval code, and a transaction approval button for approval of the transaction; And a transaction DB for generating the payment discrimination identifier for distinguishing it from other transactions, and storing information input from the buyer system and information input from the seller system.

Payment system; Deposit window

Description

Transaction payment provision system and method using transaction amount input window {TRANSACTION PROVIDING SYSTEM AND METHOD WITH AN PRICE INPUT PANEL}

The present invention relates to a system and method for providing a payment method using a transaction amount input window, and more specifically, a club, a cafe, a blog, a marketplace operated by a website or portal (naver, Daum, etc.), a community in which an internet service is operated. A buyer who wants to purchase a sale item posted within creates a transaction input window, deposits or prepares to deposit the transaction amount, and then presents the transaction input window to the buyer to provide a payment method for processing a payment. System and method.

With the development of the Internet, commodity trading through the Internet is actively being performed. Merchandise trading over the Internet saves shopping time by allowing users to select, order, pay, and even deliver goods over the Internet, either from the company's computer or at home without having to visit the store. There are many advantages, such as being able to compare different products. One of the most important considerations for consumers in the trade of goods over the Internet is payment.

One safe way to trade and pay for goods over the Internet is through the escrow system. A typical example is an auction site, which is expensive and administratively difficult for small e-commerce sites to build and operate on their own.

In order to overcome these difficulties, companies are specializing in providing escrow payment methods to small sites operated by the community. A typical example is www.unicro.co.kr, a company that provides an escrow payment method after partnering with a site to receive service. For example, a site called www.unicro.co.kr is affiliated with a camera club site called www.pentaxclub.co.kr, and a group member on www.pentaxclub.co.kr wants to sell the camera or its accessories. When it comes to escrow payment.

However, there are inconveniences in that the escrow payment method or system provided by the website www.unicro.co.kr cannot be used in the fellowship site where the agreement is not concluded. For example, www.unicro.co.kr and www.pentaxclub.co.kr require preliminary arrangements for pre-agreement, integration of a system that provides commodity information, and a payment system. There is a constraint available. In other words, if the operator who operates the camera café site in Naver wants to use the payment system provided by www.unicro.co.kr, there is a problem that the agreement between Naver and www.unicro.co.kr must be established first. will be.

On the other hand, when looking at used goods traded between individuals, most buyers of used goods want to buy the goods safely at the lowest possible price. The best way to purchase goods safely is to meet in person and make direct deals. However, direct deals are not easily established by distance and time between seller and buyer. Due to the difficulty of the direct transaction, the buyer wants to purchase the item using a safe transaction such as escrow, but the current safe transaction method is a method in which the seller takes necessary measures for the safe transaction and the buyer uses it to make a payment. . In this case, the seller needs to visit the website that provides the escrow and present the safe transaction product including the goods information, and select the information about payment amount, shipping condition, etc. Visit the website to buy and pay for the goods.

However, since the conventional method as described above takes too much time and computer work for the seller, most sellers often refuse to use the conventional safe transaction method. In addition, if the seller can not use the Internet skillfully enough, there was a problem that can not use the conventional secure transaction method.

Another problem is that although the conventionally used escrow payment system is only responsible for payment, there is a problem of separately uploading item information to be sold to a system that provides escrow payment. From the seller's point of view, he is doing a double job of uploading goods information not only to the site where he or she is bargaining for the sale of goods, but also to the payment system that handles escrow payment. In this situation, the conventional method provided by the escrow payment system is known from the seller's point of view that the payment can be secured, but the situation is not widely used because it is inconvenient to use.

The present invention is to solve the problems as described above, the buyer pays the amount to be purchased or the transaction amount deposit window that is ready for payment processing to the seller, such as e-mail, notes, comments, mobile phone text message, messenger, etc. It is an object of the present invention to provide a transaction settlement providing system and method that allows a seller to easily approve a transaction through a click of a deposit window by providing the information through a means of information transmission.

The above object of the present invention is a transaction payment providing system that provides a payment means between the seller system and the buyer system in the transaction of goods between the seller system and the buyer system using a web environment connected to the Internet network, the transaction to the buyer system Provide a transaction amount input window including a field for inputting an amount, receive a transaction amount from a buyer, generate a payment identifier for distinguishing it from other transactions, and use this as a key to enter the transaction. Store the amount in the transaction DB, generate a deposit window containing the payment identification identifier as meta information and provide it to the clipboard of the buyer system, and when the seller presses the deposit window, input the deposit account of the seller Confirmation of the amount of money, including the fields to By the payment transaction system that provides features that provide attainable.

Preferably, the deposit window provided to the merchant system is provided in at least an image form, an HTML form, and a URL form. The deposit window is provided in an image form. It's good to have a series of runs that copy to the clipboard. In this case, it is preferable that the href command is included as meta information in the amount confirmation window, and a field for receiving a transaction approval code for approving the relationship between the seller and the buyer is further provided in the transaction amount input window.

Another object of the present invention is to provide a payment method for providing a payment means between the seller system and the buyer system in the transaction of goods between the seller system and the buyer system using a web environment connected to the Internet network, Providing a transaction amount input window including a field for inputting a transaction amount, generating a first step of receiving a transaction amount from a buyer, generating a payment identification identifier for distinguishing it from other transactions, and using the key as the key; The second step of storing the transaction amount entered by the buyer in the transaction DB, the third step of generating a deposit window containing the payment identification identifier as meta information and providing it to the clipboard of the buyer system and the seller When pressed, a field for entering the merchant's deposit account and transaction approval means for approving the transaction It can be achieved by the transaction payment providing method characterized in that it comprises a fourth step of providing a value determination window comprising a.

Preferably, the deposit window generated in the third step is provided at least one selected from an image form, an HTML form, and a URL form. When the deposit window is provided in the form of an image, the third step is to set the image area to 3-1. And step 3-2 of selecting the area set in step 3-1 and step 3-3 of copying the area set in step 3-2 to the clipboard of the seller system. In the amount confirmation window provided in step 4, it is preferable to include the href statement as meta information.In the amount confirmation window provided in step 4, an address where an execution statement is executed to be linked and executed is placed and a variable used when executing the execution statement. As an example, it is preferable to include a payment identification identifier as meta information.
The present invention
The present invention provides a transaction settlement system for providing a transaction settlement between a seller system for registering a sale product in an internet web environment and a buyer system for purchasing the sale product, wherein the request is made to the buyer system at the request of the buyer system. A transaction amount input window provided to include product information, a transaction amount, and a transaction approval code for the sale product; When the purchaser system requests payment through the transaction amount input window, the purchaser system is provided to the purchaser system and then included in the information delivery means by the purchaser system and transferred to the seller system, and the transaction amount input window of the purchaser system is provided. A payment window including a payment classification identifier corresponding to the meta information; An amount confirmation window which is transmitted to the seller system when the seller system selects the deposit window included in the information transmission means and includes a seller's deposit account, the transaction approval code, and a transaction approval button for approval of the transaction; And a transaction DB for generating the payment discrimination identifier for distinguishing it from other transactions, and storing the information input from the buyer system and the information input from the seller system.
The present invention relates to a transaction settlement providing method of a transaction settlement providing system providing transaction settlement between a seller system for registering a sale product in an internet web environment and a buyer system for purchasing the sale product. Accordingly, a first step of providing the purchaser system with a transaction amount input window including product information, a transaction amount and a transaction approval code for the sale product; Generating a payment classification identifier corresponding to the transaction amount input window and storing the payment classification identifier in a transaction DB; A third step of, if the purchaser system requests payment through the transaction amount input window, generating a deposit window including the payment identification identifier as meta information and transmitting the generated payment window to the purchaser system; And when the sales system selects the deposit window included in the information delivery means by the buyer system, transferring the amount confirmation window including the deposit account of the seller, the transaction approval code, and the transaction approval to the seller system. 4 steps; A fifth step of, if the transaction approval is received from the seller system, storing the payment identification identifier transmitted from the seller system in a transaction DB; And a sixth step of confirming whether or not the transaction approval code received from the buyer system and the transaction approval code received from the seller system are approved.

According to the system and method for providing a transaction payment using the transaction amount input window according to the present invention, after the buyer deposits the transaction amount or completes the deposit preparation, the deposit window is generated to give the seller an email, a message, a comment, a mobile phone text message, a messenger, etc. The payment window is delivered through the information transmission means of the seller and the seller can complete the payment through the click of the payment window, there is an advantage that the seller can easily confirm the transaction.

Hereinafter, the advantages, features and preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of a peripheral system including a transaction settlement providing system according to the present invention. The payment providing system is connected to a payment gateway company, a web environment, a seller system, and a buyer system through an internet network, and the PG company is connected to a financial institution system and a credit card system. In the present invention, since the credit card system and the financial institution system are not related, the credit card system will be described as being included in the financial institution system.

Transaction payment providing system is a transaction payment providing system that provides a payment method between the seller and the buyer in the transaction of goods between the seller and the buyer using a web environment connected through the Internet network, the transaction amount and the transaction product to the member who is the buyer After receiving a brief identification note (or distinguishable symbol) for, use it to deposit a meta-information to create a window containing member identifiers, payment amounts, and information about the transaction product. Create and provide a copy to the clipboard of the buyer's system, copy the deposit window to the web environment, and copy the unique deposit window to the buyer member to copy the seller's email, note, comment, and mobile text message. Exposed to the web environment through information transmission means such as messenger, messenger, etc. When pressed, the window provides a window comprising a fixed amount of transaction authorization means provided in the form of push buttons, toggle buttons, check buttons. The system configuration is composed of a device usually called a server computer to which an input / output device is attached. The transaction settlement providing system includes a member DB that stores information about a registered member, a product information storing transaction product information that a buyer wants to purchase, and a memory storing a transaction approval code specified by the buyer in advance.

The financial institution system provides a virtual account to the transaction settlement providing system, and provides a transaction history of the transaction settlement providing system member whenever a periodic or deposit history occurs through the PG company.

In addition, in the service to which the present invention is applied, a secure transaction service (escrow service) may be selectively used by a consumer (user). When the transaction is applied when the secure transaction service is applied, a deposit account registered in the service to which the present invention is applied The amount is deposited until the end of the transaction, and if the safe transaction service is not applied, it can be withdrawn to the seller account specified by the buyer.

PG is a system that provides various payment methods such as credit card payment, bank account payment, cyber money payment, and mobile phone payment, instead of transaction payment system when the buyer deposits the purchase price in the web environment. There are Korea Cyber Money and INICIS.

A web environment is a site operation device that provides an activity space on the Internet to a seller system and a buyer system. The web site is a community site, a personal homepage, a forum, a mini homepage, a blog, a bulletin board, a post wave comment, an email, a message to the seller system and a buyer system. Means a device that provides an activity space on the Internet, such as. Any system that provides a space on the Internet where a seller can promote a product is irrelevant.

The seller system is a computer device operated by an individual who purchases a product, registers a transaction product to be sold in a web environment, and receives a payment window received by using information transmission means such as an email, a message, a comment, a mobile phone text message, a messenger, etc. Press to approve a transaction, usually a personal computer device. When the buyer system finds the item to be purchased while surfing the web in the internet space provided by the web environment, the buyer system inputs the transaction amount and information about the product to be purchased, and based on the input information An apparatus for instructing the system to generate an input window and copying the generated input window to a seller system for transmission using information transmission means such as e-mail, notes, comments, mobile phone text messages, messenger, etc., and is generally composed of a personal computer device.

2 is a flowchart illustrating a work flow between a transaction settlement providing system and a peripheral system according to the present invention.

The seller system registers the product to be sold in the web environment (S1). The purchaser system subscribes to the transaction settlement providing system (S2). When registering as a member, the member ID, password, address, the account number to be deposited, and the transaction approval code for approving the transaction are input. The contents are stored in the member DB. These input items are stored in the service operation format to which the present invention is applied. It is obvious that it can be changed accordingly. In this case, the account number and the transaction approval code may be requested in a separate step without request when registering as a member, and may be stored in a separate DB instead of a member DB. Of course, the step of registering the sale product in the web environment and the step of signing up for the purchaser may be performed regardless of the order.

When the buyer system surfs the web environment (S3) and finds a product to purchase, the buyer system sends a message to the seller through a message, text, comment, chat, or the seller's phone number or e-mail described in the web environment. Negotiate a request for purchase, set a price for a sale product, and close the sale (S4).

The buyer requests a transaction payment input window for depositing a transaction amount to the transaction payment providing system, and the transaction payment providing system provides it to the buyer system (S5 and S6). The buyer inputs information including a transaction amount, a transaction approval code, and a note about the product (S7), and the transaction payment providing system generates a payment identifier for distinguishing the payment from other payments and then generates a key. ) To be stored in the payment DB (S8). In step S7, the transaction approval code is an identification letter, symbol, or number arbitrarily designated by the buyer for transaction safety, and the buyer designates it and informs the seller, and then the seller enters it upon approval of the transaction to ensure transaction safety. Transaction authorization codes are optional for transaction safety and can be omitted, as well as buyers can send the identification key directly to the seller through a portable communication device (such as a mobile phone or a wireless Internet connection). Of course.

The payment identifier is an identifier for distinguishing each payment. For example, if a member "A" purchases a "a" item and requests a transaction amount input window and fills in a field for the transaction, the transaction payment provider system may store the transaction payment identifier as "23456" while storing it in the transaction DB. have. When the same "A" member purchases the "b" item and requests a transaction amount input window and fills in a field for this, the transaction payment providing system stores it in the transaction DB and stores it as the payment identifier "23467". The division identifier is information used to distinguish each payment case, and in the service to which the present invention is applied, the identifier may be directly designated as described above, and a random number (identification code combined in various forms), which is further enhanced, may be arbitrarily selected. It can of course be generated and sent to the seller and / or buyer for use.

In addition, the service to which the present invention is applied to distinguish payment cases may collect URLs of web environments (sites where transactions actually occur) in which transactions between buyers and sellers are directly generated, and provide them through a transaction screen in progress.

3 is an example of a transaction amount input window according to an embodiment of the present invention. The transaction amount input window is provided with a field 301 for inputting a transaction amount, a field 303 for inputting a memo for a product to be purchased, and a field 305 for inputting a transaction approval code. 307 is provided. Although the premise that the purchaser system is a member in the step S2 has been described, the present invention can be applied even when the purchaser system is not a member of the transaction settlement providing system. When the purchaser is a non-member, if the transaction amount input window is requested in step S5, the transaction settlement providing system may identify the non-member purchaser by inputting the non-member's e-mail address and social security number.

In the embodiment of FIG. 2, the substantial payment consisting of steps A to D is presented after step S9, but the actual payment step may be performed at any stage between the step S8 and the delivery of goods.

The actual payment step proceeds similar to the method used in the conventional electronic shopping mall. For example, when the purchaser clicks the payment button 307 of FIG. 3, the transaction payment providing system notifies the payment amount to the PG company (step A), and the payment gate (PG) company uses various methods such as credit card payment and cash transfer. Provide a payment method (step B). The buyer selects a payment method suitable for him, and then transfers the payment amount to the PG company or financial institution system according to the selected method (step C). At this time, the amount transferred is actually deposited in the account of the transaction settlement providing system to ensure a safe transaction (step D).

If the user does not select a safe transaction system, the payment amount may be paid at the same time as the buyer accepts the deposit window presented to the seller.

Next, the buyer system requests the payment window generation from the transaction payment providing system (S9), and the transaction payment providing system generates the deposit window and stores it in the clipboard of the buyer system (S10). The deposit window is a means to expose the web environment as a button, text, or a combination of these to the merchant system. Meta information includes the execution statement executed when the deposit window is activated and the payment identifier for payment of the transaction product.

4 is an example of a deposit window provided to a member of a transaction payment providing system. In the present invention, the deposit window is provided in three forms. The first is the image form 401 that can be used in the image board, the second is the HTML form 403, and finally the URL form 405.

An example of source code for copying to a clipboard to provide a deposit window in an image bulletin board form 401 to a web environment is implemented with JavaScript "function copy_all ()".

function copy_all ()

{

     var text = document.item.document.body.createTextRange ();

     text.select ();

     text.execCommand ("Copy");

}

The first var text statement specifies the area of the image to copy, the second text.select () statement selects the area, and the last statement copies it to the vendor's clipboard.

The source code provided in HTML form 103 is

function copy_html () {

     var ele = document.item.document.body;

     var maintext = ele.innerHTML;

     window.clipboardData.setData ("Text", maintext);

}

For example, you can store an object in document.item.document.body, store it in a variable in maintext, and copy its contents to the vendor's clipboard.

The source code provided in URL form 105 is

function copy_link () {

    var maintext = "http://www.eummoney.com/mc/index.jsp?pay_id=Payment identifier";

     indow.clipboardData.setData ("Text", maintext);

 }

Can be implemented.

In the three types of deposit windows, "http; // www.eummoney.com/mc/index.jsp?pay_id=payment identifier" is recorded as meta information. Among these, "http; // www.eummoney.com/mc/index.jsp" is a jsp language that is executed when the buyer clicks the deposit window copied to the web environment, and the payment identifier of the purchased product is stored as a variable. Will be. That is, the payment window provided in accordance with the present invention includes a payment identifier as meta information, and searches the payment DB of the transaction payment providing system based on the payment identifier to access information about the purchaser's name and payment amount. do.

As shown in the upper menu bar of FIG. 4, in the transaction settlement providing system, in addition to a menu for creating and copying a deposit window, a menu for searching a transaction in progress, a menu for withdrawal and deposit management, and a menu for searching a transaction finished It can be seen that it is provided.

The buyer system pastes the deposit window into the information transmission means such as an email, a message, a comment, a mobile phone text message, a messenger, and transmits it to the seller system together with the transaction approval code (S11). 5 is an embodiment showing a process in which a buyer exposes and sends a deposit window 501 to an seller by using an e-mail. The deposit window 501 may be composed of only an image, but is preferably provided in a form in which an image and text are mixed. Of course, the transaction approval code can be sent separately without sending it with the deposit window.

The seller who received the deposit window clicks the deposit window. As the payment window is clicked, the transaction settlement providing system provides the amount confirmation window to the seller system, the seller enters the deposit account information in the amount confirmation window, and then approves the sale, and inputs the transaction approval code (12). The amount confirmation window is a window that pops up when the seller clicks the deposit window, and the window should be provided with at least a button for approving the seller's deposit account and transaction.

6 is an exemplary view of the amount confirmation window according to an embodiment of the present invention. The amount confirmation window displays information (603) about the payment amount of the transaction and notes about the transaction product, information about the buyer (605), a field (601) for inputting a transaction approval code, and a field for inputting a seller name ( 607) and a field 609 for inputting the seller's deposit account and a button 611 for sales approval. The memo 603 for the payment amount and the transaction product provided in the amount confirmation window is provided by referring to the payment DB stored in the transaction payment providing system using the payment identification identifier transmitted as meta information. The seller's name and the deposit account entered by the seller are stored in the payment DB using the payment identifier as a key.

The transaction payment providing system checks whether the transaction authorization code entered by the seller is matched (S13), and if it matches, the e-mail, a message, a comment, a mobile phone text message, a messenger system, etc. Send using and request the delivery to the seller system (S15). The seller delivers the goods to the buyer, the buyer checks the received goods and requests a transfer to the transaction payment providing system, the transaction payment providing system transfers the corresponding deposit to the seller is completed the transaction (S16).

Although specific embodiments of the present invention have been described and illustrated above, it will be apparent that various modifications may be made by those skilled in the art without departing from the technical spirit of the present invention. Such modified embodiments should not be understood individually from the spirit and scope of the present invention, but should fall within the claims appended to the present invention. For example, although the name of the database is used in the present invention, it is a matter of course that the present invention may be applied in the form of a table, not a database.

1 is a block diagram of a peripheral system including a transaction settlement providing system according to the present invention.

2 is a flowchart illustrating a work flow between a transaction settlement providing system and a peripheral system according to the present invention;

3 is an example of a transaction amount input window according to an embodiment of the present invention.

4 is an example of a deposit window provided to a member of a transaction payment providing system.

5 is a view illustrating a process in which a buyer exposes and sends a deposit window to an seller using an email.

Figure 6 is an exemplary view of the amount confirmation window according to an embodiment of the present invention.

Claims (10)

In the transaction settlement providing system for providing a transaction settlement between a seller system for registering a sale product in an internet web environment and a buyer system for purchasing the sale product, A transaction amount input window provided to the buyer system according to a request of the buyer system and including product information, a transaction amount, and a transaction approval code for the sale product; When the purchaser system requests payment through the transaction amount input window, the purchaser system is provided to the purchaser system and then included in the information delivery means by the purchaser system and transferred to the seller system, and the transaction amount input window of the purchaser system is provided. A payment window including a payment classification identifier corresponding to the meta information; An amount confirmation window which is transmitted to the seller system when the seller system selects the deposit window included in the information transmission means and includes a seller's deposit account, the transaction approval code, and a transaction approval button for approval of the transaction; And A transaction DB for generating the payment identification identifier for distinguishing it from other transactions, and storing information input from the buyer system and information input from the seller system; Transaction payment providing system comprising a. The method of claim 1, The payment window comprises at least one form selected from the image form, HTML form and URL form. delete The method of claim 1, The amount confirmation window is a transaction payment providing system, characterized in that the href command is included as meta information. delete In the transaction settlement providing method of the transaction settlement providing system that provides transaction settlement between the seller system for registering the sale product in the Internet web environment and the buyer system for purchasing the sale product, A first step of providing a purchaser system with a transaction amount input window including product information, a transaction amount, and a transaction approval code for the sale product at the request of the buyer system; Generating a payment classification identifier corresponding to the transaction amount input window and storing the payment classification identifier in a transaction DB; A third step of, if the purchaser system requests payment through the transaction amount input window, generating a deposit window including the payment identification identifier as meta information and transmitting the generated payment window to the purchaser system; And when the sales system selects the deposit window included in the information delivery means by the buyer system, transferring the amount confirmation window including the deposit account of the seller, the transaction approval code, and the transaction approval to the seller system. 4 steps; A fifth step of, if the transaction approval is received from the seller system, storing the payment identification identifier transmitted from the seller system in a transaction DB; A sixth step of confirming whether or not the transaction approval code received from the buyer system and the transaction approval code received from the seller system are approved; Transaction payment providing method comprising a. The method of claim 6, The payment window generated in the third step is provided with at least one selected from at least an image form, HTML form and URL form. delete The method of claim 6, And the href statement is included as meta information in the amount confirmation window provided in the fourth step. The method of claim 6, The transaction settlement providing method, characterized in that the amount confirmation window provided in the fourth step includes the address to which the execution statement to be linked and placed and the variable used to execute the execution statement as the meta information.

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