KR101225360B1 - Payment system for escrow service using partial payment and method thereof - Google Patents

Abstract

Disclosed are an escrow type payment system using a partial payment and a method thereof. A payment processing unit for prepaying a partial amount when a pre-payment request is received for a partial amount of a sale price specified in a product purchased by a buyer from a seller; And when the prepayment of some amount is completed, in conjunction with the coupon management system for issuing coupons related to the product to the buyer, receives the unique number of the coupon issued to the buyer and associates the unique number of the coupon with the buyer information related to the buyer It provides a payment system including an information management unit to register. In this case, the payment processing unit receives the unique number of the coupon presented by the buyer at the offline store and the buyer information from the point-of-sale management system associated with the offline store providing the product, and the information is based on the unique number of the coupon received from the point-of-sale system. When the buyer information registered in the management unit and the buyer information received from the point of sale management system match, the remaining amount excluding a part of the selling price may be settled.

Description

Escrow payment system using partial payment and its method {PAYMENT SYSTEM FOR ESCROW SERVICE USING PARTIAL PAYMENT AND METHOD THEREOF}

Embodiments of the present invention relate to a payment system and a method using a partial payment method of prepaying a part of the selling price and pre-purchased goods and then paying the balance at the time of actually using the purchased product.

Since most of the tangible / intangible services sold on mobile or online are different from the point of purchase and actual use, there may be a case where the actual quality is significantly different from the initial noticed quality after purchase. For example, in the case of social commerce products that sell certain items at a specially low price on the Internet, there are many cases in which the quality of service does not reach the quality announced on the Internet or is significantly lower than the normal quality of service.

In this case, the buyer may have a high level of dissatisfaction with the quality of the purchased service, which may lower the reliability of the service and hinder continuous purchasing activities such as repurchase.

Provided are a payment system and a method for providing an escrow-based payment environment in which a balance is settled at the time of actually using a purchased product after pre-purchasing a part of a sale price.

A payment processing unit for prepaying a partial amount when a pre-payment request is received for a partial amount of a sale price specified in a product purchased by a buyer from a seller; And when the prepayment of some amount is completed, in conjunction with the coupon management system for issuing coupons related to the product to the buyer, receives the unique number of the coupon issued to the buyer and associates the unique number of the coupon with the buyer information related to the buyer It provides a payment system including an information management unit to register. In this case, the payment processing unit receives the unique number of the coupon presented by the buyer at the offline store and the buyer information from the point-of-sale management system associated with the offline store providing the product, and the information is based on the unique number of the coupon received from the point-of-sale system. When the buyer information registered in the management unit and the buyer information received from the point of sale management system match, the remaining amount excluding a part of the selling price may be settled.

According to one side, the payment processing unit may process the prepayment for the partial amount first in the approved state and then process the collective price for the sale price by using the partial amount and the remaining amount as a single payment at the time of payment for the remaining amount.

According to another aspect, the buyer information may include at least one of personal information identifying or authenticating the buyer, card information to be used for payment, media information to receive the coupon, and product information purchased by the buyer.

According to another aspect, the coupon issued to the buyer may be specified in the period of use available in the offline store based on the time when some amount is prepaid.

According to another aspect, the payment processing unit may cancel the payment for a part of the amount if the coupon is not used within the period of use in the offline store, or when a buyer's cancellation request for the product is received from the seller.

According to another aspect, the information management unit transmits the unique number of the coupon issued to the buyer to the seller or point of sale management system, and when the inquiry request using the coupon unique number is received from the seller or point of sale management system, The search result of the corresponding purchaser can be provided to the seller or the point of sale system.

Prepaying a partial amount when a pre-payment request for a partial amount of a sale price specified in a product purchased by a buyer from a seller is received; When the prepayment of some amount is completed, in conjunction with the coupon management system for issuing coupons related to goods to the buyer, the unique number of the coupon issued to the buyer is received, and the unique number of the coupon is linked with the buyer information related to the buyer. Registering; And a point in time at which payment is completed based on the unique number of the coupon received from the point-of-sale management system by receiving the unique number of the coupon presented by the buyer at the offline store and the buyer information from the point-of-sale management system associated with the offline store providing the product. If the buyer information registered in the and the buyer information received from the point-of-sale management system is matched to provide a payment method comprising the step of processing the remaining amount excluding a partial amount from the selling price.

By prepaying a part of the selling price and pre-purchasing the product, the balance can be paid when the purchased product is actually used, thereby providing an escrow-based payment environment to improve the reliability between the buyer and the seller.

By using the partial payment method through the prepayment, the discount product with the limitation of the amount and the term of use can be pre-purchased without paying all the actual costs, so that the buyer can pay freely.

The buyer can purchase the product in advance at a low cost, and can check the quality of the product and pay the balance to ensure the reliability and satisfaction of the non-face-to-face payment product or service that is inevitably separated from the place or time of use. .

In the case of the seller, the buyer can provide the buyer with the reliability and satisfaction of the goods or services to which the reservation concept is applied, thereby inducing the buyer's more active and continuous purchasing activities.

By prepaying a part of the sale price, the buyer will be issued a coupon containing the prepaid amount and remaining amount information for the pre-purchased product, but the coupon can be used within the period by issuing the coupon with the period specified by the seller. Sellers can reduce the burden of having to redeem coupons quickly.

1 is a view for explaining a process between a payment system and a seller / buyer using a partial payment method in an embodiment of the present invention.
FIG. 2 is a block diagram illustrating an internal configuration of a payment system that provides an escrow service for purchasing a product by prepaying a part of a sale of a product and paying a residual amount after using the product in an offline store according to an embodiment of the present invention. to be.
3 is a flowchart illustrating a payment method using a partial payment method in which an amount of a sale of a product purchased by a purchaser prepays a part of a purchase and then pays a residual amount when the buyer uses the product in an offline store. to be.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a view for explaining a process between a payment system and a seller / buyer using a partial payment method in an embodiment of the present invention. 1 illustrates a payment system 110 that provides a payment service to an escrow type payment environment.

The payment system 110 may be configured as one system combined with the card company server 140 or may be configured as a separate system from the card company server 140 to provide a payment service in cooperation with the card company server 140. In addition, when the payment system 110 is configured as a separate system from the card company server 140, some components of the payment system 110 may reside on the card company server 140 side according to the system implementation or service type. In addition, the payment system 110 may be constructed in a one-to-one system form for each card company, or may be separately configured as an integrated system for services to several card companies. In the following embodiments, the payment system 110 is configured as a separate system from the card company server 140 to provide a payment service through the interworking with the card company server 140, but is not limited thereto. Accordingly, the form or method of building the payment system 110 may be changed.

The payment system 110 according to an embodiment of the present invention purchases a purchased product at an offline store 160 after the buyer 130 pre-purchases the product by prepaying a part of the selling price for the product sold by the seller 120. It is possible to provide a partial payment service of paying the balance amount at the time of actual use. Here, the payment system 110 may refer to a payment gateway (PG) system or a value add network (VAN) system that relays card payment through interworking with the card company server 140. In addition, the seller 120 may refer to an electronic commerce system that sells goods such as tangible / intangible goods or services to the buyer 130 in a mobile or online environment. In addition, the offline seller 160 may mean an offline store where the buyer 130 may actually take or consume a product purchased on mobile or online. For example, in the case of social commerce merchandise, the seller 120 is a target of selling social commerce merchandise to the buyer 130 on mobile or online, and the offline seller 160 then sells the merchandise to the buyer 130 who actually visited the offline store. Social commerce products purchased through the 120 is the target of the actual service. In addition, the offline seller 160 may mean a point-of-sale management system (hereinafter, referred to as a point of sales terminal) that is a seller system installed for card payment in an offline store from a system perspective.

Referring to FIG. 1, the seller 120 receives a pre-payment request from the buyer 130 at the time of card payment for a product purchased by the buyer 130 (hereinafter, referred to as a 'purchased product') of the sale price specified in the purchased product. A prepayment for some amount may be requested to the payment system 110. In this case, the payment system 110 may process the card payment in the form of a prepayment for a part of the purchased goods for the buyer 130. And, the coupon management system 170 for issuing coupons for the goods sold by the seller 120 when the approval process is completed through the prepayment for the purchased goods to the buyer 130 for the coupon corresponding to the purchased goods Can be issued. The coupon issued by the coupon management system 170 may be delivered to the buyer 130 through a medium previously designated by the buyer 130. At this time, the coupon management system 170 is composed of a single system combined with the seller 120, or is configured as a separate system with the seller 120 may issue a coupon of the goods purchased in conjunction with the seller 120 have. In order to receive the coupon, the buyer 130 may register the media information to receive the coupon at the seller 120. Here, the medium information may mean a mobile phone number for mobile reception, an e-mail address for receiving e-mail, a residential address for receiving mail.

Thereafter, when the buyer 130 visits the offline store and presents the coupon issued from the coupon management system 170, the buyer 130 may take or consume the product purchased through the seller 120. When the buyer 130 requests a card payment for a purchased product after using the purchased product, the offline seller 160 may check the prepaid amount and the remaining amount through the coupon presented by the buyer 130, The card payment for the amount may be requested to the payment system 110. In this case, the payment system 110 may interwork with the card company server 140 to process the payment of the remaining amount of the purchased product for the buyer 130.

The payment system 110 according to an embodiment has a function of managing the pre-payment history of the buyer 130 and the coupon issued to the buyer 130 during prepayment, and the balance after the purchaser 130. It is possible to provide a function to manage the pre-payment history and balance payment history. That is, the payment system 110 stores the payment information according to the pre-payment and the balance payment in the payment history database 150 in association with the payment history database 150 and based on the information stored in the payment history database 150. Matching processing for inquiry and payment can be performed.

In one embodiment of the present invention, the seller 120 may provide a partial payment selection option in which the sale of the product is prepaid for a partial payment service, and selects the partial payment selection option at the request of the buyer 130 for the partial payment service. The payment 130 may request the payment system 110 for the purchased product. In addition, the offline seller 160 may add a function for the divided payment service in the POS terminal, or may be configured as a service-based application as a PC-based management program or a smart phone management application.

FIG. 2 is a block diagram illustrating an internal configuration of a payment system that provides an escrow service for pre-purchasing a product by pre-paying a part of a sale of a product and paying a residual amount after using the product in an offline store according to an embodiment of the present invention. It is also. As shown in FIG. 2, the payment system 200 according to an embodiment may include a payment processor 210 and an information manager 220.

When the payment processing unit 210 receives a prepayment request for a partial amount of the sale price of the product purchased by the buyer from the seller, the payment processing unit 210 may process the partial payment request for the prepayment. In this case, a predetermined amount of the prepayable amount may be specified based on the selling price of the purchased product, or may be directly designated by the buyer. In addition, the payment processing unit 210 may receive buyer information related to the buyer together with the prepayment request from the seller. Here, the buyer information includes personal information identifying or authenticating the buyer (e.g., buyer ID, etc.), media information (e.g., mobile phone number, e-mail address, etc.) to receive the coupon of the goods purchased, and a card to pay a partial amount of the goods purchased. Information, product information (eg, product name, sale price, etc.) of the purchased product. Thus, the payment processing unit 210 may receive the card information of the buyer from the seller through the buyer information, and may request a payment approval for a part of the amount using the received card information. At this time, the payment processing unit 210 proceeds with the card company approval by interworking with the card company server at the time of prepayment for some amount, or processing the prepayment for some amount in the approved state through the self approval process instead of the card company approval. can do. When prepayment is processed without approval through a card company, even if the prepayment amount is approved, the purchase is not processed.

The information management unit 220 may receive the coupon information issued to the buyer in the coupon management system when the prepayment of the partial amount for the purchased product is completed in association with the coupon management system. Here, the coupon information may include a serial number which is a unique number of the coupon (hereinafter, referred to as a "coupon number"), and a coupon use period. In this case, the coupon use period may be specified by the seller who sold the purchased product or the offline seller who actually services the purchased product, and may be designated as an expiration date that can be used in the offline store based on a time when some amount is prepaid. . When the coupon information issued to the buyer is received from the coupon management system, the information manager 220 may register the received coupon information in association with the buyer information. In this case, when the prepayment of the partial amount is completed, the information management unit 220 not only the buyer information but also the prepayment amount (that is, the prepaid partial amount) and the remaining price excluding the prepayment amount in the coupon information issued to the buyer It can be maintained and managed. That is, the information manager 220 may provide a database role for storing overall information required for the partial payment service, such as buyer information, coupon information, and payment details. In addition, the information management unit 220 may deliver the coupon information issued to the buyer to the POS terminal installed in the seller who sold the purchased goods or the offline store that actually services the purchased goods, and requests a query using the coupon number from the seller or the POS terminal. When the received information is received based on the already registered coupon information can be provided to the seller or the POS terminal to query the payment details of the buyer corresponding to the coupon number. That is, the seller or the POS terminal can inquire the coupon information stored in the information management unit 220 using the coupon number, so that the seller information or the payment details can be inquired about the goods for which the prepaid payment has been made.

Then, when the buyer visits the offline store and receives the purchased goods, the coupon is presented to the offline store, and the payment request for the remaining amount of the purchased product is made by entering the coupon number presented by the buyer through the POS terminal in the offline store. . In this case, the POS terminal in the offline store may request the buyer to present the buyer information for the purpose of confirming the buyer who prepaid a part of the purchase price through interworking with the payment system 200. The buyer information for confirming the buyer may correspond to card information used for prepayment, medium information for receiving a coupon, and the like. Therefore, the payment processing unit 210 when the coupon number and buyer information presented by the buyer in the offline store from the POS terminal of the offline store is received based on the coupon information received from the POS terminal and the buyer information registered in the information management unit 220 The remaining amount of the purchased product may be settled through matching processing between buyer information received from the POS terminal. That is, the payment processing unit 210 may query the buyer information registered in the information management unit 220 by using the coupon number received from the POS terminal, and when the inquired buyer information and the buyer information received from the POS terminal match. The remaining amount can be settled. For example, the payment processing unit 210 may proceed to approve payment for the remaining amount when the card information used during the prepayment and the card information presented during the balance payment are the same. As another example, the payment processing unit 210 may determine the remaining amount even if the card information used for the prepayment and the card information presented for the balance payment are different when the medium information presented during the balance payment is the same as the media information specified by the buyer during the prepayment. Payment can be processed. As another example, the payment processing unit 210 may proceed to match the two pieces of information, the card information and the medium information for the buyer confirmation, the two information presented at the balance payment and the two information used in the prepayment If there is a match, the remaining amount can be settled. In the case of prepayment, if the credit card is processed without passing through the card company, the payment processing unit 210 collectively sums up the sales price of the purchased goods to the card company server using a partial payment and the remaining money as a single payment at the time of payment for the remaining money. Payment can be processed. When payment of the remaining amount for the purchased product is completed in the payment processing unit 210, the information management unit 220 may register the prepaid payment details and the balance payment details of the buyer, which may be registered through the seller or the POS terminal. Can be queried with In addition, the payment processing unit 210 does not use the coupons issued to the buyer for the purchased goods in the offline store within the period specified in the coupon, or if a cancellation request for the purchased goods is received, the prepaid amount is not charged to the buyer. You can proceed with the cancellation of some amounts.

3 is a flowchart illustrating a payment method using a partial payment method in which an amount of a sale of a product purchased by a purchaser prepays a part of a purchase and then pays a residual amount when the buyer uses the product in an offline store. to be. In the payment method according to the present embodiment, respective steps may be performed by interworking between the payment system 200 and the card company server described with reference to FIG. 2.

In step 310, the payment system 200 receives a prepayment request for a part of the selling price of the goods purchased by the buyer from the seller, and the buyer information including the buyer's card information is prepaid using the buyer's card information. You can process some of the amount you requested.

In operation 320, the payment system 200 receives coupon information issued to the buyer from the coupon management system when the prepaid payment of the partial amount of the purchased product is linked with the coupon management system, and the received coupon information and the buyer information. You can register in conjunction. In this case, the payment system 200 may manage the prepaid amount according to the prepaid amount of the partial amount and the remaining amount excluding the partial amount from the selling price in the coupon information. In addition, the payment system 200 may transmit the coupon information issued to the buyer to the seller terminal selling the purchased goods or the POS terminal installed in the offline store that actually services the purchased goods, and requests a query using the coupon number from the seller or the POS terminal. When received, the payment result of the purchaser corresponding to the coupon number may be provided to the seller or the POS terminal.

In operation 330, the payment system 200 registers with the payment system 200 based on the coupon number received from the POS terminal when the coupon number and the buyer information presented by the buyer are received from the POS terminal of the offline store. Through the matching process between the buyer information and the buyer information received from the POS terminal, the remaining amount of the purchased product may be processed. That is, the payment system 200 may check the prepaid amount of the prepaid payment and the outstanding balance of the purchased product through the coupon number received from the POS terminal, and the remaining amount according to the buyer's request for the remaining balance through the POS terminal. You can approve payment. In addition, when the payment system 200 first processes some amounts in the approved state without going through the card company at the time of prepayment, the payment price of the purchased goods is approved by the card company with the partial amount and the remaining amount as a single payment at the time of payment for the remaining amount. You can process the bulk payment.

As described above, according to the embodiments of the present invention, after pre-paying a part of the selling price and pre-purchasing the product, the balance is paid at the time of using the purchased product, thereby providing an escrow-based payment environment to provide a reliability between the buyer and the seller. Can improve. Therefore, by using the partial payment method through the pre-payment it is possible to pre-purchase the discount product having a limitation of the amount and the period of use without paying all the actual costs, so that the buyer can pay freely. Further, according to the embodiments of the present invention, while pre-paying a part of the selling price is issued to the buyer a coupon containing the pre-payment amount and the remaining amount information for the product purchased by the pre-purchase, by issuing a coupon with a specified period of use It can induce consumption of purchased goods within the period and reduce the burden on sellers to collect coupons quickly.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above embodiments, and those skilled in the art to which the present invention pertains various modifications and variations from such descriptions. This is possible.

Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the equivalents of the claims, as well as the claims.

200: payment system
210: payment processing unit
220: information management unit

Claims (12)

A payment processing unit which prepays the partial amount when a pre-payment request is received from the seller for a part of the sale price specified in the product purchased by the buyer; And
When the prepayment of the partial amount is completed, the unique number of the coupon issued to the buyer is received in association with a coupon management system for issuing a coupon related to the product to the buyer, and then the unique number of the coupon is assigned to the buyer. Information management unit to register in association with the relevant buyer information
Including,
The buyer information includes the product information purchased by the buyer, the partial amount prepaid and the remaining amount excluding the partial amount from the selling price, the card information used by the buyer at the prepayment, and the receipt of the coupon at the prepayment. Media information that you specify for the
The payment processing unit,
By using the unique number of the coupon received from the point of sale system by receiving the unique number of the coupon presented by the buyer at the offline store and buyer identification information from the point of sale system associated with the offline store providing the product After inquiring the buyer information registered in the information management unit,
Determining whether a match between the buyer information registered in the information management unit and the information for confirming the buyer received from the point of sale management system to process the remaining amount of payment,
When the media information specified during the prepayment matches the media information presented by the offline store, the card information presented by the offline store regardless of whether the card information used during the prepayment matches the card information presented by the offline store or not The remaining amount is settled by using or the media information specified during the prepayment matches the media information presented by the offline store, and the card information used during the prepayment matches the card information presented by the offline store. If the payment process the remaining amount using the card information presented by the offline store
Payment system characterized in that. The method of claim 1,
The payment processing unit,
Processing the prepayment for the partial amount first in a state of approval, and then collectively processing the sale price by using the partial amount and the remaining amount as a single settlement at the time of settlement of the remaining amount.
Payment system characterized in that. delete The method of claim 1,
The coupon,
The period of use available in the offline store is designated based on the point at which the partial amount is prepaid.
Payment system characterized in that. 5. The method of claim 4,
The payment processing unit,
Canceling the payment for the partial amount if the coupon is not used in the offline store within the period of use or when the buyer's request for cancellation of the product is received from the seller;
Payment system characterized in that. The method of claim 1,
The information management unit,
The unique number of the coupon issued to the buyer to the seller or the point of sale management system and when the inquiry request using the unique number of the coupon from the seller or the point of sale management system corresponding to the unique number of the coupon Providing the result of inquiring the purchaser's payment history to the seller or the point of sale system
Payment system characterized in that. delete delete delete delete delete delete

Images