KR101586737B1 - Method for providing electronic commerce payment sevice and payment server thereof - Google Patents

Abstract

The present invention relates to a method of providing a payment service for electronic commerce and a payment server using the method, the method comprising: checking whether a payment amount of a product requested to be purchased online is equal to or greater than a reference amount; Providing a payment window displayed such that a plurality of authentication methods including authentication using an authorized certificate and additional authentication through a partial payment can be selected when the payment amount is equal to or greater than the reference amount; And authenticating the on-line settlement using the authentication method selected through the payment window among the plurality of the authentication methods.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment service providing method for electronic commerce,

The present invention relates to a method for providing a payment service for electronic commerce.

As e-commerce has been activated through the Internet, the use of credit or electronic payment systems using credit cards and check cards has increased rapidly.

As a representative example of electronic commerce, a payment method performed in an online shopping mall will be described. A customer accesses an online shopping mall using a communication terminal such as a personal computer, a notebook, or a mobile phone capable of accessing the Internet.

A customer who wants to purchase a desired item or service (hereinafter referred to as "goods") in the online shopping mall requests his / her purchase of the item, for example, by inputting his / her credit card information on the billing screen provided through the online shopping mall.

The online shopping mall receiving the purchase request of the customer receives the transaction approval result from the server of the van company providing the payment transaction service or the server of the financial institution issuing the credit card of the customer, concludes a transaction with the customer, The financial institution transfers the payment of the goods and the like to the account of the online shopping mall.

Prior Art 1: Korean Patent Laid-Open Publication No. 10-2011-0042920 Prior Art 2: Korean Patent Registration No. 10-1229407

Disclosure of Invention Technical Problem [8] Accordingly, the present invention has been made in view of the above problems, and an object of the present invention is to provide a payment service providing method and a payment server using the method.

A method of providing a payment service according to an exemplary embodiment of the present invention includes: checking whether a payment amount of a product requested to be purchased online is equal to or greater than a reference amount; Providing a payment window displayed to allow selection of a plurality of authentication methods including authentication using a public certificate and additional authentication through partial payment when the payment amount is equal to or greater than the reference amount; And authenticating the on-line settlement using the authentication method selected through the payment window among the plurality of authentication methods.

According to another aspect of the present invention, there is provided a settlement service providing server including: a settlement amount checking unit for comparing a settlement amount of a product requested to be purchased on-line with a reference amount; An interface unit configured to configure a payment window displayed so that a plurality of authentication methods including authentication using a public certificate and additional authentication through partial payment when the payment amount is equal to or greater than the reference amount; And an authentication unit that performs authentication for on-line settlement using the authentication method selected through the settlement window among the plurality of authentication methods, wherein the installment settlement unit divides the settlement amount into amounts less than the reference amount , And performs settlement for each of the divided amounts.

Meanwhile, the payment service providing method may be implemented as a computer-readable recording medium on which a program to be executed by a computer is recorded.

According to an embodiment of the present invention, when a payment amount is equal to or greater than a reference amount, a plurality of authentication methods including an additional authentication through partial payment can be selected in addition to an existing authorized certificate, It is possible to make payment more than the amount of money and at the same time, secure e-commerce can be performed through identity verification.

1 is a block diagram showing an embodiment of a configuration of an electronic commerce payment system.
FIG. 2 is a block diagram illustrating a configuration of a payment server according to an embodiment of the present invention. Referring to FIG.
3 is a flowchart illustrating an electronic commerce payment service providing method according to an embodiment of the present invention.
4 is a diagram showing an embodiment of the configuration of an initial settlement screen provided for electronic commerce settlement.
5 and 6 are diagrams for explaining embodiments of a method of selecting a divided payment amount.
7 is a diagram for explaining an embodiment of a method of selecting an additional authentication method in a partial payment.
8 to 15 are views showing embodiments of a configuration of a payment approval screen provided for approval for a plurality of divided payments.

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

First, the terms used in the specification of the present invention will be briefly defined, and then an embodiment of the present invention will be described.

The term " terminal "described in this specification may include a mobile phone, a smart phone, a laptop computer, a digital broadcast terminal, a PDA (Personal Digital Assistants), a PMP (Portable Multimedia Player) The present invention is not limited thereto, and may be various devices capable of user input and information display.

The term "payment server" refers to a server of a VAN company that relays credit card electronic payment. However, various types of servers related to credit card electronic payment may also be applicable. The actual payment relay function and other additional functions may be separated into separate server types.

1 is a block diagram of an embodiment of a configuration of an electronic commerce settlement system. The settlement system shown in FIG. 1 may include a terminal 10, a payment server 100, and a card issuer server 200.

1, a purchaser connects to a seller server (not shown) operated by a seller (for example, an Internet shopping mall, a paid content provider) through a terminal 10 to purchase one or more types / And requests payment of purchase price for the purchased product.

The terminal 10 may be a personal computer (PC) 11, a cellular phone 12, or a tablet 13 that can be connected to a communication network, but the present invention is not limited thereto.

In response to the payment request from the terminal 10, the payment server 100 provides a payment window in which the purchaser can input payment related information such as a card number and displayed on the terminal 10.

The payment server 100 requests payment approval to the credit card company server 200 using the settlement related information input by the purchaser, and the credit card company server 200 represents the credit card company that issued the credit card.

In FIG. 1, the payment server 100 is illustrated as a single server for convenience of description. However, the present invention is not limited thereto, and the payment server 100 may include a component server Or means) may be implemented in two or more server groups, and the present invention is characterized in that it includes all the methods that can be inferred.

For example, the payment server 100 may include a payment gateway (PG) for processing an online card payment in connection with a VAN server (not shown), or may include a payment server Or may be a server having a role of an agency server (PG).

Generally, when a credit card company purchases credit at a designated merchant, the card reader of the merchant accesses the card issuer server through the VAN company network, receives the credit card payment approval, and completes the transaction.

The purchaser has a credit card issued by a credit card company, and the merchant has a credit card authorization inquiry unit (not shown) for accessing a specific VAN company and transmitting payment information. The credit card approval inquiry unit and the VAN company's relay system are connected to a predetermined network (e.g., telephone Internet), and the transaction system of the VAN company's relay system and the credit card company is generally connected by a dedicated packet network.

In the case of using the online payment method through the Internet shopping mall, the payment agency server PG performs the role of the VAN company.

The VAN company relays the purchase information requested to be approved (or canceled) through the credit card inquiry device (terminal) to the merchant and the card company. The payment agency server (PG) It accepts payment from the credit card companies, banks, electronic payment companies, and payment settlement companies.

When a credit card holder makes a purchase request by presenting his credit card to a merchant in order to pay for the commodity, the merchant uses a credit card authorization inquiry device to request approval from the credit card company. At this time, the credit card approval inquiry unit sends the information of the credit card user stored in the credit card of the user, the product order information generated by the credit card approval inquiry unit, the payment amount, and the information of the merchant to the VAN company. The VAN company receives the above information through the VAN company's relay system.

The VAN relay system that receives the payment approval request data reads out the credit card company information included in the user information in the payment approval request data and transmits data related to the transaction approval request to the transaction approval system of the credit card company in order to apply for approval .

The credit approval system of the credit card company that receives the data related to the transaction approval request compares the user information, the product order information, the payment amount, and the merchant information included in the data related to the transaction approval request with its member data or merchant data, Confirm whether the transaction between the card user and the merchant is valid.

The transaction approval system of the credit card company transmits the transaction approval result for the transaction approval request to the VAN relay system relaying the payment approval request, and the VAN relay system stores the approval number data and transmits it to the corresponding transaction viewer of the merchant do. Based on the transmitted approval data, the credit card transaction inquiry unit prints the payment result on the credit card receipt and notifies the credit card user.

Such a credit card payment method is a method in which a credit card user provides information such as a card number, an expiration date, and a card issuer, which are required for credit card payment approval, to a terminal installed at a merchant, And the settlement is based on the approved result.

In the case of electronic commerce using online settlement as described above, it may be required to authenticate using a public certificate in order to settle a predetermined amount (for example, 300,000 won) or more.

However, the official certificate used in Korea's accredited certification system is not the SSL standard used as the international standard but it can be used only in the country. It is a server certificate storage space designated by Internet Explorer, web browser such as Firefox or Chrome, But it uses a separate certificate storage space. The encryption method is also a domestic standard method that can be used only in Korea, such as using the domestic encryption algorithm (SEED, ARIA, etc.) instead of the AES method used in SSL.

Therefore, there is a problem that use of public certificates other than Internet Explorer is limited in, for example, Firefox or Chrome.

According to an embodiment of the present invention, when a payment amount is a certain amount or more, a plurality of authentication methods including an additional authentication through partial payment can be selected in addition to an existing authorized certificate, It is possible to make payment more than the amount of money and at the same time, secure e-commerce can be performed through identity verification.

2 is a block diagram of a configuration of a payment server according to an embodiment of the present invention. The payment server 100 includes a transmission / reception unit 110, a control unit 120, a payment amount confirmation unit 130 , An interface configuration unit 140, and an authentication unit 150. [

Referring to FIG. 2, the transceiving unit 110 may be connected to the purchaser's terminal 10 via a communication network to transmit and receive settlement related information.

On the other hand, the settlement amount checking unit 130 compares the settlement amount of the commodity that is requested to be purchased on-line with a preset reference amount, for example, and can confirm whether or not the commodity settlement amount is 300,000 won or more.

The interface configuring unit 140 configures a payment window displayed so that a plurality of authentication methods including authentication using a public certificate and additional authentication through partial payment can be selected when the payment amount is equal to or greater than a reference amount, And may be provided to the purchaser's terminal 10 through the unit 110. [

The partial settlement is to divide the settlement amount of the commodity into amounts less than the reference amount, and to settle the respective divided amounts.

For example, if the settlement amount is 500,000 won, the settlement can be made twice by dividing into the first settlement of 250,000 won and the second settlement of 250,000 won, which are the settlement amounts of the standard amount of 300,000 won or less.

In the case where the settlement amount is divided into the settlement amounts less than the reference amount, authentication using the authorized certificate may not be required. However, since the additional authentication using the authentication method other than the authorized certificate is performed, the stability of the electronic commerce is guaranteed .

According to an embodiment of the present invention, the additional authentication methods at the time of partial payment include authentication using an SMS (Short Message Service), authentication using an e-mail, authentication using an application, or authentication using an ARS (Automatic Response System) Can be used.

If the purchaser selects one of the plurality of authentication methods using the provided payment window, the authentication unit 150 can perform authentication for online payment using the selected authentication method.

The control unit 120 controls the operation of the payment server 100 as described above.

FIG. 3 is a flowchart illustrating an electronic commerce payment service providing method according to an embodiment of the present invention.

Referring to FIG. 3, the payment server 100 receives online product payment request information according to a goods purchase request through the purchaser's terminal 10 (step S300).

The payment request information may include product information, seller information, and payment amount information.

The payment server 100 determines whether the payment amount of the commodity that is requested to be purchased online is greater than or equal to the reference amount (step S310).

If the payment amount is equal to or greater than the reference amount, the payment server 100 forms a payment window so that a plurality of authentication methods can be selected, and provides the payment window to the terminal 10 in step S320.

As described above, the plurality of authentication methods include authentication using a public certificate and additional authentication through partial payment. The additional authentication method at the time of partial payment includes authentication using SMS, authentication using e-mail, authentication using an application, ARS And the like.

In step S340, the payment server 100 selects one of the plurality of authentication methods from the user through the provided payment window (step S330), and performs authentication for the corresponding online payment using the selected authentication method (step S340).

For example, when additional authentication through partial payment is selected among the plurality of authentication methods, the payment server 100 automatically divides the settlement amount into amounts less than the reference amount, and stores information about the divided amounts Can be provided.

Alternatively, an amount input window for receiving the divided amounts from the user may be provided, and the user may directly divide the amount of the payment.

On the other hand, when the additional authentication through the partial payment is selected, the payment server 100 confirms whether the partial payment is available for the goods to the seller, and notifies the user of the partial payment through the payment window.

Hereinafter, embodiments of a method for providing an electronic commerce payment service according to the present invention will be described in detail with reference to FIG. 4 to FIG.

FIG. 4 illustrates an exemplary configuration of an initial settlement screen provided for electronic commerce settlement.

Referring to FIG. 4, when a purchaser requests online settlement of a specific commodity through the terminal 10, the settlement server 100 constitutes a settlement window 400 for inputting information for credit card settlement, (10).

For example, the payment window 400 includes a merchandise information area 410 indicating a merchandise name, a merchandise amount, and a divisional payment availability, a card selection area 420 for selecting a card to be paid, and a plurality of authentication methods And an authentication method selection area 430 for selecting the authentication method.

The authentication method selection area 430 in which a plurality of authentication methods including the authentication certificate and the additional authentication through the partial payment are selected is displayed only when the goods payment amount is equal to or greater than the reference amount (for example, 300,000 won) .

When the buyer selects a credit card to be used for settlement in the payment window 400 and selects the "Next" button 440 after selecting the split payment, the split payment amount selection window 500 as shown in FIG. 10). ≪ / RTI >

If "automatic payment amount division" is selected in the division method selection area 510, the payment server 100 can automatically display the payment amount less than the reference amount and display it in the divided payment amount display area 520. [

For example, a payment amount of 500,000 won can be automatically split into a settlement 1 of 210,000 won and a settlement 2 of 290,000 won.

In the case where "user settlement amount division" is selected in the division method selection region 510, the divided payment amount input region 530 may be provided to allow the purchaser to divide the payment amount directly as shown in FIG. 6 .

On the other hand, the number of settlements to be divided can be adjusted using the "Add Payment" button 531. [

When the divided payment amount is determined as described above, an additional authentication selection window 700 that allows the user to select an additional authentication method can be displayed on the terminal 10. [

In the additional authentication method selection region 710, a plurality of authentication methods to be used at the time of partial payment can be selected so that the plurality of authentication methods can be selected by using SMS, authentication using e-mail, Authentication, and the like.

For example, the payment server 100 may generate an authentication code and transmit the generated authentication code to the mobile phone number or e-mail address designated by the purchaser, thereby performing authentication for the partial payment.

The payment server 100 can confirm whether the mobile number designated by the purchaser is the buyer's own name by communicating with the communication company server (not shown), and then transmit the SMS including the authentication number to the mobile number.

On the other hand, the e-mail address designated by the purchaser may be the e-mail address registered at the time of initial authentication.

The purchaser inputs the transmitted authentication code into the payment window, and the payment server 100 compares the generated authentication code with the authentication code input by the purchaser, and confirms whether or not the authentication code matches with the generated authentication code to perform authentication.

In addition, various authentication methods such as an ARS authentication using a home telephone of the purchaser's name, a pre-registered mobile application for authentication, and a method of performing authentication by pressing an authentication confirmation button can be used at the time of partial payment.

FIGS. 8 to 15 show embodiments of a configuration of a payment approval screen provided for approval for a plurality of divided payments.

When the purchaser selects the divided payment amount and the additional authentication method, a payment information input window 800 for inputting payment information such as a card number can be displayed on the terminal 10 as shown in FIG.

The payment information input window 800 shown in FIG. 8 is a case in which a payment amount of 500,000 won is divided into a settlement 1 of 50,000 won, a settlement 2 of 200,000 won and a settlement 3 of 250,000 won as shown in FIG. 6, It is to request settlement of settlement 1 of 50,000 won.

The payment information input window 800 includes a card information input area 810 for inputting a card number, a CVV number, an expiration date and a lump sum / installment status, a mobile phone number input area 810 for inputting a mobile number to which an authentication number is to be transmitted, 820 < / RTI >

When the "Next" button is selected after all the related information is inputted into the card information input area 810 and the mobile phone number input area 820, a payment approval window 900 may be displayed on the terminal 10.

The payment approval window 900 includes an approval information display area 910 that displays information on approved payment and an unauthorized payment history display area 920 that displays information on settlements that have not yet been approved during the entire payment.

Referring to FIG. 10, the authentication code for the partial settlement may be transmitted to the terminal 10 together with the approval message for the first settlement (for example, settlement 1) during the partial settlement.

That is, the SMS 1011 for indicating approval for the payment of 50,000 won is transmitted to the mobile phone 12 of the purchaser and displayed on the screen 1010, and an authentication number (for example, 12345 ) May be transmitted from the payment server 100 to the cellular phone 12.

For the remainder after the settlement 1, which is the initial settlement, the transmitted authentication number must be correctly entered.

Referring to FIG. 11, the payment information input window 800 can be displayed on the terminal 10 in order to request payment for the payment 2 of 200,000 KRW, and includes a card number, a CVV number, an expiration date, And an authentication number input area 830 for inputting the authentication number delivered to the mobile phone 12 upon approval of the payment 1, which is the first payment, together with the card information input area 810 that can be input.

When the "Next" button is selected after all the relevant information is inputted into the card information input area 810 and the authentication number input area 830, the authentication number entered in the authentication number input area 830 and the authentication number It is confirmed that the generated authentication numbers match, and if they match, a payment approval window 900 indicating payment approval for the settlement 2 can be displayed on the terminal 10 as shown in FIG.

Then, the information on settlement 2 that has not yet been approved is displayed in the unapproved payment history display area 920.

On the other hand, if the authentication number entered in the authentication number input area 830 does not match the authentication number generated in the payment server 100, the previously approved payment (e.g., payment 1 ) Can be automatically canceled.

Referring to FIG. 14, the payment information input window 800 can be displayed on the terminal 10 in order to request payment for the payment of 3,000 won (KRW), and includes a card number, a CVV number, an expiration date, And an authentication number input area 830 for inputting the authentication number delivered to the mobile phone 12 upon approval of the payment 1, which is the first payment, together with the card information input area 810 that can be input.

15, the payment approval window 900 indicating the payment approval for the payment 3 is displayed on the terminal 10 (step < RTI ID = 0.0 > ). ≪ / RTI >

In the case where all settlement for the whole goods settlement amount has been completed, the settlement approval window 900 displays, in addition to the settlement approval information area 910 indicating settlement approval for settlement 3, product settlement information Area 940 and a partitioned payment information area 950 for indicating information about approved partial payments.

The method for providing an electronic commerce payment service according to the present invention may be stored in a computer-readable recording medium. The computer-readable recording medium may be a ROM, a RAM, a CD -ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like, and may also be implemented in the form of a carrier wave (for example, transmission over the Internet).

The computer readable recording medium may be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner. And, functional programs, codes and code segments for implementing the above method can be easily inferred by programmers of the technical field to which the present invention belongs.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention.

Claims (16)

A method for providing a payment service for electronic commerce,
Providing a payment window displayed so that at least one of a first authentication method for processing a payment amount and a second authentication method for dividing payment by dividing the payment amount into a plurality of amounts is selected; And
And performing authentication for online settlement using the authentication method selected through the payment window,
The second authentication method for the partial payment
Generating an approval message for the first payment as the first payment is approved during the partial payment;
Generating an authentication code for the partial payment;
Transmitting the approval message and the authentication code to a payer through on-line; And
And if the authentication code is inputted through the payment window, performing online authentication for the remaining payment during the partial payment. The method of claim 1,
Wherein the settlement amount is divided into amounts less than the reference amount, and settlement is performed for each of the divided amounts. 3. The method of claim 2,
When the second authentication method for the partial payment is selected,
Dividing the settlement amount into amounts less than the reference amount; And
And providing a split payment window displaying information on the divided amounts. 3. The method of claim 2,
When the second authentication method for the partial payment is selected,
And providing an amount input window for receiving the divided amounts from a user. The method according to claim 1,
When the second authentication method for the partial payment is selected,
Further comprising the step of confirming to the seller side whether or not the product can be dividedly settled. The method according to claim 1,
Wherein the settlement window is displayed such that at least one of the first authentication method and the second authentication method is selectable when the settlement amount is equal to or greater than the reference amount,
Wherein the first authentication method performs authentication using a public certificate. 2. The method according to claim 1,
A method for providing an electronic commerce payment service including at least one of authentication using an SMS (Short Message Service), authentication using an e-mail, authentication using an application, and authentication using an ARS (Automatic Response System). The method according to claim 1,
Generating an authentication code;
Transmitting the generated authentication code to a mobile phone number or e-mail address designated by the user; And
Further comprising the step of comparing the authentication code input from the user with the authentication code generated by the user through the payment window and confirming whether the authentication code matches. delete 9. The method of claim 8,
When the authentication code input from the user does not match the generated authentication code,
Further comprising the step of canceling the approved first payment. 1. A server for providing a settlement service for electronic commerce,
An interface unit configured to configure a payment window displayed so that at least one of a first authentication method for processing a settlement amount and a second authentication method for a split settlement for dividing the settlement amount into a plurality of amounts and processing the settlement amount; And
And an authentication unit for performing authentication for online settlement using the authentication method selected through the payment window,
The second authentication method for the partial payment
Generating an approval message for the first payment as the first payment is approved during the partial payment;
Generating an authentication code for the partial payment;
Transmitting the approval message and the authentication code to a payer through on-line; And
And if the authentication code is inputted through the payment window, performing online authentication for the remaining payment during the partial payment. 12. The method of claim 11, wherein the second authentication method comprises:
An e-commerce payment server including at least one of authentication using an SMS (Short Message Service), authentication using an e-mail, authentication using an application, and authentication using an ARS (Automatic Response System). 12. The apparatus of claim 11, wherein the authentication unit
And generates an authentication code to be transmitted to a mobile phone number or an e-mail address designated by the user, and confirms whether the authentication code input from the user and the generated authentication code match through the payment window. delete 14. The apparatus of claim 13, wherein the authentication unit
And cancels the approved first payment if the authentication code input from the user does not match the generated authentication code. A recording medium on which a program for causing a computer to execute the method according to any one of claims 1 to 8 and 10 is recorded.

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