KR101615163B1 - Hybrid payment system for electronic commerce and method thereof - Google Patents

Abstract

According to the present invention, a complex payment system for electronic commerce (EC) and a method thereof make a web server of an online shopping mall request an offline payment for an article or service purchase price by linking with a VAN server connected to a buyer′s payment terminal when the buyer selects the offline payment for articles or services purchased through the EC in the online shopping mall connected through a communication network, make the VAN server switch the buyer′s payment terminal into a virtual terminal of a seller, who is an online shopping mall operator, and process payment information of the purchase price paid by the buyer′s payment terminal as the payment information of the seller, so as to enable the offline payment in the online shopping mall, thereby providing various payment methods to the buyer while lowering a private information leakage risk. The system includes: the web server; the VAN server; the payment terminal; and a virtual terminal management server.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic commerce payment system,

The present invention relates to a settlement system for an online shopping mall, and more particularly, to an online shopping mall, in which, in performing an offline settlement by switching a payment terminal of a buyer to a virtual settlement terminal of a seller who is an online shopping mall operator, When the user selects payment via offline for the purchased goods or service, the web server of the online shopping mall requests the offline payment for the purchase price of the goods or the service in cooperation with the VAN server connected to the payment terminal of the buyer In the VAN server, the payment terminal of the purchaser is converted into a virtual terminal of the seller who operates the online shopping mall, the payment information of the purchase price paid by the purchaser's payment terminal is processed as payment information of the seller, To serve as a server By using an offline payment will be available on while lowering the risk of personal information leakage can offer a variety of payment to the buyer e-commerce payment systems and complex ways in which e-commerce online stores.

In general, electronic commerce refers to the act of buying or selling goods or services using the internet or personal computer (PC) communication in the transaction of goods or services, This type of e-commerce is similar to commerce in the real world.

For example, a buyer who purchases goods or services at an online shopping mall that is an online virtual store providing goods or services and an online shopping mall, a bank or a credit card company that is involved in payment of purchase price when purchasing goods or services that are traded at an online shopping mall Can be the subject of electronic commerce.

The process of the electronic commerce is as follows. First, the purchaser connects to the online shopping mall by operating a user terminal such as a personal computer connected to a communication network such as the Internet, inputs a purchase intention for the goods or services implemented on the online shopping mall, Credit card information, account information, etc. according to the purchase intention.

Accordingly, in the online shopping mall, transaction approval is requested to the credit card company or the bank by using the credit card information and the bank account information provided by the buyer, and when the transaction is normally approved, the settlement processing for the goods or services purchased by the buyer After informing them that they are finished, they will provide the goods or services to the buyer.

However, in the above-described conventional electronic commerce, since information that is very important in terms of security such as credit card information or bank account information is transmitted and received online in the final step of electronic commerce, there is always a risk of security There is a problem.

On the other hand, among users who use e-commerce, there may be a user who has a card payment terminal that uses payment of purchase price in his / her business selling goods or services. Such a user may also be provided with a communication network online And can be a purchaser who accesses a shopping mall and purchases goods or services to be sold in an online shopping mall.

Accordingly, in the case of a purchaser who owns the card payment terminal as described above, it is not possible to directly input credit card information or bank account information on-line for the goods or services purchased in the online shopping mall, If it is possible to pay for goods or services purchased in the online shopping mall, it is expected that the security risks due to performing the settlement in the online shopping mall can be greatly improved because the important personal information is not transmitted online.

(Patent Literature)

Korean Registered Patent No. 10-1309749 (Registered Date: September 11, 2013)

Accordingly, in the present invention, in order to perform an offline settlement by switching a payment terminal of a purchaser to a virtual settlement terminal of a seller who is an online shopping mall operator, it is possible to prevent the purchaser from purchasing goods or services purchased through electronic commerce in an online shopping mall accessed through a communication network The VAN server requests the web server of the online shopping mall to perform offline payment for the purchase price of the goods or services in cooperation with the VAN server connected to the payment terminal of the buyer, The terminal is converted into a virtual terminal of a seller who is an online shopping mall operator, the payment information of the purchase price paid by the purchaser's payment terminal is processed as payment information of the seller, and the processed offline payment information is provided to the web server, offline I will be to provide while lowering the risk of personal information leakage can offer a variety of payment to the buyer e-commerce payment systems and complex ways in which e-commerce is possible.

The present invention described above is a complex payment system in an online shopping mall that enables online or offline payment for goods or services to be sold on-line, and when the buyer selects the offline payment for the purchase price of the goods or services A web server for requesting the VAN server connected to the purchaser's payment terminal through a communication network to perform the offline payment for the purchase price; and a server for transmitting the purchase payment information to the payment terminal, When the payment terminal is switched to a virtual terminal of a seller operating the web server for payment, the payment information for the purchase price is received from the payment terminal and processed as payment information of the seller, and the processed payment information is transmitted to the web server Said VAN server, said VAN server The settlement terminal displaying the purchase price information provided to the vendor and switching to the virtual terminal of the seller when the offline payment is made for the purchase price and transmitting the payment information for the purchase price to the VAN server; And a virtual terminal management server for managing the virtual terminal number of the web server and providing the virtual terminal number of the web server to the VAN server.

In addition, the VAN server provides the virtual terminal number of the seller for switching the payment terminal to the virtual terminal of the seller when the purchase payment information is transmitted to the payment terminal of the buyer.

In addition, the VAN server extracts authentication information transmitted together with the virtual terminal number from the payment terminal during the virtual terminal switching operation to the payment terminal, and then transmits the authentication information received from the web server to the authentication server And performs the virtual terminal switching when the authentication information matches.

The VAN server receives information on the purchaser from the web server, recognizes the payment terminal registered with the purchaser using the information, and transmits the virtual terminal number of the seller through the virtual terminal management server And transmits the purchase price information and the virtual terminal number of the seller to the payment terminal of the purchaser.

The authentication information is information for authenticating the offline settlement, and is issued from the web server during the offline settlement, and is provided to the buyer and the VAN server.

Also, the VAN server recognizes the payment information transmitted from the payment terminal as payment information of the seller, requests a credit card company or a bank performing the payment transaction of the seller to approve transaction with the payment information, And processing the payment information as payment information of the seller.

The settlement terminal receives the virtual terminal number of the seller for switching to the virtual terminal and transmits the virtual terminal change request to the VAN server when the offline payment for the purchase price is requested, And if the request is approved, receives payment for the purchase price and transmits the payment information to the VAN server.

In addition, the payment terminal registers and stores one virtual terminal number in each numeric key on the keypad, and reads the virtual terminal number registered in the numeric key input on the keypad when the virtual terminal is requested to be switched And receives the virtual terminal number.

Also, the payment terminal receives the virtual terminal number of the seller together with the purchase amount information from the VAN server, and receives the provided virtual terminal number as the virtual terminal number when the virtual terminal change request is received do.

After inputting the virtual terminal number, the payment terminal converts the input mode into the authentication information input mode for authentication of the offline payment and transmits the information input through the numeric key or the function key on the keypad or the card And transmits the stored information as the authentication information to the VAN server.

In addition, the payment terminal transmits payment information for the purchase price to the VAN server when a request for conversion from the VAN server to the virtual terminal is approved.

According to another aspect of the present invention, there is provided a payment method in an online shopping mall, the method comprising: receiving an offline payment selection for a purchase price of an article or service purchased by a buyer in a web server; Requesting the VAN server to perform the offline settlement of the purchase price to the connected VAN server; requesting payment from the VAN server by transmitting the purchase price information to the payment terminal of the buyer; The method comprising the steps of: transmitting a virtual terminal change request for offline settlement; switching the payment terminal to a virtual terminal of a seller operating the web server when receiving the virtual terminal change request from the VAN server; In the payment terminal converted into the virtual terminal of the purchase terminal, Receiving payment information for the purchase price from the VAN server and processing the payment information as payment information of the seller; and transmitting the payment information processed by the VAN server to the VAN server, And notifying the web server of the payment information, and receiving the processed payment information from the web server and processing the purchased goods or services by the purchaser.

In addition, in the step of requesting payment, the VAN server may include a virtual terminal number of the seller for switching the payment terminal to the virtual terminal of the seller when the purchase payment information is transmitted to the payment terminal of the buyer .

In addition, in the step of requesting payment, the VAN server receives information on the purchaser from the web server, and recognizes the payment terminal registered in the purchaser using the information.

The switching to the virtual terminal may further include receiving the virtual terminal change request from the payment terminal, extracting authentication information transmitted together with the virtual terminal number from the payment terminal, Checking whether the authentication information provided for authentication of the offline settlement agrees with the authentication information; and switching the payment terminal to the virtual terminal when the authentication information matches each other.

The authentication information is information for authenticating the offline settlement, and is issued from the web server during the offline settlement, and is transmitted to the buyer and the VAN server.

The step of processing with the payment information of the seller may further include the steps of: recognizing the payment information transmitted from the payment terminal as payment information of the seller; receiving, by the credit card company or bank performing the payment transaction of the seller, Requesting transaction approval for the settlement information, and transmitting transaction approval details of the settlement information to the payment terminal when the transaction approval is answered.

The transmitting of the virtual terminal change request may include receiving a virtual terminal number of the merchant when receiving the offline payment request from the payment terminal, receiving authentication information for authenticating the offline payment, And transmitting the virtual terminal number and the authentication information to the VAN server to request the virtual terminal conversion.

Also, in the step of receiving the virtual terminal number, the payment terminal registers and stores one virtual terminal number in each of the number keys existing on the keypad, and the virtual terminal number registered in the number key input on the keypad Number is read out and input to the virtual terminal number.

Also, in the step of receiving the virtual terminal number, the payment terminal receives the virtual terminal number of the seller from the VAN server together with the purchase amount information, and transmits the virtual terminal number, And a virtual terminal number.

Also, in the step of receiving the authentication information, the payment terminal converts the input mode of the authentication information for the virtual terminal switching authentication after inputting the virtual terminal number, and inputs the input mode through the keypad number key or the function key And the information stored in the card, which is input through information or card recognition, is input as the authentication information.

According to the present invention, in the electronic commerce complex payment system, when a purchaser selects payment via offline for an article or service purchased through an electronic commerce in an online shopping mall accessed through a communication network, In the VAN server, the payment terminal of the purchaser is converted into a virtual terminal of the seller who is the online shopping mall operator, and the payment terminal of the purchaser is requested to perform the offline payment for the purchase price of the goods or service in cooperation with the VAN server connected to the terminal. The payment information of the purchase price to be paid is processed by the payment information of the seller so that offline settlement can be made in the online shopping mall and thus various payment methods can be provided to the purchaser while reducing the risk of leakage of personal information in electronic commerce .

1 is a configuration diagram of an electronic commerce compound payment system using a switchable payment terminal according to an embodiment of the present invention;
FIG. 2 is a detailed block diagram of a payment terminal according to an embodiment of the present invention. FIG.
3 is a detailed block diagram of a VAN server according to an embodiment of the present invention.
4 is a flow chart of signal processing for off-line settlement in an electronic commerce compound settlement system according to an embodiment of the present invention.

Hereinafter, the operation principle of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The following terms are defined in consideration of the functions of the present invention, and these may be changed according to the intention of the user, the operator, or the like. Therefore, the definition should be based on the contents throughout this specification.

1 illustrates a configuration of an electronic commerce compound payment system using a switchable payment terminal according to an embodiment of the present invention.

Hereinafter, operation of each component of the electronic commerce compound payment system of the present invention will be described in detail with reference to FIG.

First, the payment terminal 100 is installed in a business store selling goods or services, and when a customer presents a credit card or a check card in addition to cash as a payment means for goods or services purchased in the store, And payment of the cost for the purchased item or service for the check card.

The settlement terminal 100 is connected to a VAN server 120 that relays payment processing between a credit card company 130 that approves a transaction for credit card settlement or a bank 130 that approves a transaction for a check card settlement And transmits payment information via a credit card or a check card to the VAN server 120 to request payment processing, receives a transaction approval response through the VAN server 120, and generates a sales slip . At this time, the sales slip can be normally printed on two sheets, one of which can be provided to a guest or the like, and the other one can be provided to the credit card company / bank 130.

In addition, the payment terminal 100 may be configured such that when an owner of a store purchases goods or services from a virtual network virtual shopping mall such as an online shopping mall according to an embodiment of the present invention and selects offline payment, The third party may be switched to the virtual settlement terminal of the third party and operated as a third party operating the web server 140 of the online shopping mall, for example, as a virtual settlement terminal of the seller 150. [

Hereinafter, a purchaser accesses a web server 140 of an online shopping mall by using a user terminal 102 such as a personal computer, and then transmits a payment of goods or services purchased at an online shopping mall to a credit card information The payment terminal 100 is switched to the virtual settlement terminal of the seller 150 by selecting the offline settlement without performing the settlement by directly inputting the settlement amount, At this time, if an operator who switches his / her payment terminal 100 to the virtual payment terminal of the seller 150 for offline payment for the goods or services purchased in the online shopping mall as described above, .

That is, the purchaser who switches the payment terminal 100 to the virtual settlement terminal of the seller 150 operating the web server 140 of the online shopping mall for offline settlement receives the purchase price for the goods or services purchased from the online shopping mall The settlement terminal 100 performs settlement using its own credit card or check card. Then, the payment information is processed by the VAN server 120 as the payment information of the seller 150, so that even if the purchaser does not perform the online payment for directly inputting the credit card information or the like on the online shopping mall, It is possible to pay for the goods or services purchased in the online shopping mall through offline payment.

At this time, when the payment terminal 100 is switched to the virtual payment terminal of the seller 150 as described above, the payment terminal 100 may be provided with a payment terminal 100 for a plurality of sellers 150, May be stored in advance in advance, such as the virtual terminal number allocated to the vendor vendor 150 required to switch the virtual payment terminal to the virtual payment terminal of the seller 150. [

In the case where the virtual terminal number is stored in advance, the shop owner who is the buyer switches from the payment terminal 100 to the virtual payment terminal of the seller 150 operating the server 140 of the online shopping mall The user can select and enter the virtual terminal number of the seller 150 providing the purchased goods or services among the virtual terminal numbers of the plurality of registered sellers 150 after performing the key input.

At this time, the key input for requesting the conversion to the virtual payment terminal is performed by key input of a specific key separately implemented on the keypad 105 of the payment terminal 100, or key input through input of a combination of a plurality of numeric keys or function keys . In addition, the virtual terminal number may be stored corresponding to each of the numeric keys existing on the keypad 105 of the payment terminal 100, for example.

In this case, the settlement terminal 100 can be switched to the virtual terminal switching mode according to the execution of the switching request key input to the virtual payment terminal, and when the virtual terminal switching mode is set, The numeric key may operate as a shortcut key for selecting and inputting the virtual terminal number of the seller 150. Accordingly, the purchaser can easily input the virtual terminal number of the seller 150 to switch to the virtual payment terminal through the operation of inputting the number key on the keypad 105 of the payment terminal 100.

When the number key or the like storing the virtual terminal number is input in the virtual terminal switching mode, the payment terminal 100 reads the virtual terminal number of the seller 150 stored corresponding to the corresponding number key and receives the virtual terminal number as the virtual terminal number, And transmits a virtual terminal number to the VAN server 120 connected through a communication network to perform a virtual terminal switching request.

In another embodiment, the virtual terminal number of the seller 150 may not be stored in advance on the payment terminal 100, but may be transmitted to the buyer through the VAN server 120 interlocked with the web server 140 of the online shopping mall. And may be provided to the payment terminal 100. At this time, when the offline payment is selected by the purchaser, the web server 140 transmits the purchase information of the purchaser and the purchase price information of the goods or services purchased on the online shopping mall to the VAN server 120 The VAN server 120 can transmit the virtual terminal number of the online shopping mall 150 to the purchaser's payment terminal 100 and purchase payment information to be paid through offline payment.

In this case, for example, the purchaser's payment terminal 100 may display the goods or service details purchased by the buyer at the online shopping mall, the purchase price information, and the like, as in the display unit of the calculation terminal installed at the checkout counter such as a shopping mall.

Accordingly, the purchaser inputs the virtual terminal number of the seller 150 by simply confirming the purchased goods or services displayed on the payment terminal 100 and the corresponding purchase price, and performing a key input for requesting settlement of the purchase price The operation may be performed. That is, in this case, since the VAN server 120 already recognizes the virtual terminal number of the seller 150, when the payment information is transmitted from the payment terminal 100, the payment terminal 100 of the buyer is notified to the seller 150 to the virtual terminal of the mobile terminal.

The settlement terminal 100 transmits the virtual terminal number of the seller 150 to the VAN server 120 and transmits the request for switching to the virtual terminal of the seller 150 as described above. May be transmitted together with the authentication information.

At this time, when the buyer selects offline payment, the authentication information is issued from the web server 140 to the buyer and the VAN server 120 for authentication of the offline payment, and is generated as a series of integer numbers . The authentication information may be provided to the VAN server 120 through a dedicated communication network, for example, and may be provided to the purchaser's user terminal 102 or the like connected to the purchaser through the Internet or the like.

Meanwhile, when the virtual terminal switching request is accepted through the virtual terminal number and the authentication information, and the payment terminal 100 is changed to the virtual payment terminal, the payment terminal 100 receives the payment information by the purchaser and transmits the input payment information to the VAN server 120) to request transaction approval for off-line payment of goods or services purchased in the online shopping mall. Then, when the transaction approval is answered, the payment history information is output as the sales slip.

At this time, the purchaser may be a pharmacy, for example, and the seller 150 using the payment terminal 100 as a virtual payment terminal may be a pharmaceutical company that manufactures and supplies various medicines, for example, But is not limited thereto.

Next, the VAN server 120 is located between the payment terminal 100 on the communication network and the credit card company / bank 130 and is operated by a plurality of VANs providing payment approval and relay services such as credit cards and check cards .

That is, when the payment processing using the credit card or the check card is requested from the payment terminal 100, the VAN server 120 transmits the credit transaction requested by the payment terminal 100 to the credit card company / And informs the payment terminal 100 that the payment processing requested by the credit card company / bank 130 or the like has been normally performed when the transaction is normally approved.

When the VAN server 120 receives a request to switch from the payment terminal 100 to the virtual terminal of the seller 150 operating the online shopping mall for offline settlement, the VAN server 120 transmits, via the virtual terminal number, The payment terminal 100 is changed to the virtual settlement terminal of the seller 150 by checking the seller 150 and then the settlement information transmitted from the settlement terminal 100 is processed as settlement information of the seller 150. [

In this virtual terminal switching process, when receiving a virtual terminal switching request from the payment terminal 100, the VAN server 120 checks whether or not the virtual terminal number is a virtual terminal number that can be processed by the VAN server 120, And identifies the seller 150 corresponding to the virtual terminal number when it is a possible virtual terminal number. At this time, since the virtual terminal number assigned to the seller 150 can be differently assigned to each VAN company, the VAN server 120 can recognize that the virtual terminal number transmitted from the payment terminal 100 is the virtual terminal number of the seller 150 It is to check whether it is number.

If the virtual terminal number is checked to be a virtual terminal number that can be processed by the VAN server 120, the VAN server 120 checks the authentication information transmitted together with the virtual terminal number from the payment terminal 100, 100) to the virtual settlement terminal.

As described above, the authentication information is information transmitted from the payment terminal 100 to the VAN server 120 so as to check whether the offline payment performed by the payment terminal 100 in the VAN server 120 is normal or not, When the VAN server 120 receives the authentication information, the VAN server 120 checks whether or not the authentication information provided by the web server 140 matches the authentication information provided by the web server 140, To a payment terminal.

The VAN server 120 converts the payment terminal 100 into a virtual payment terminal of the seller 150 corresponding to the virtual terminal number and then transmits the payment information transmitted from the payment terminal 100 to the seller 150 As the payment information of the user.

In another embodiment, when the VAN server 120 is requested to perform an offline payment through the payment terminal 100 of the buyer from the web server 140 of the online shopping mall when the buyer selects offline payment, 160 and provide the virtual terminal number of the seller 150 to the payment terminal 100 of the purchaser.

At this time, when the offline payment is selected by the purchaser, the web server 140 connects the information of the purchaser, the purchase history information about the goods or services purchased on the online shopping mall and the purchase price information to the payment terminal 100 of the buyer To the VAN server 120. Accordingly, the VAN server 120 can acquire the virtual terminal number of the online shopping mall merchant 150 and the purchase payment information to be paid through offline payment with the payment terminal 100 of the buyer To the payment terminal 100 of the buyer.

Accordingly, the purchaser can perform the virtual terminal change request by confirming the purchase history information and the purchase price information displayed on the payment terminal 100, and performing a key input for requesting payment of the purchase price.

That is, in this case, since the VAN server 120 recognizes the virtual terminal number of the seller 150 in cooperation with the virtual terminal management server 160, the VAN server 120 receives the payment information for the purchase price purchased from the payment terminal 100 The payment terminal 100 of the buyer can be switched to the virtual terminal of the seller 150. [

If the virtual terminal number is checked to be a virtual terminal number that can be processed by the VAN server 120, the VAN server 120 checks the authentication information transmitted together with the virtual terminal number from the payment terminal 100, 100) to the virtual settlement terminal.

The VAN server 120 converts the settlement terminal 100 into a virtual settlement terminal of the seller 150 corresponding to the virtual terminal number and then transmits the settlement information transmitted from the settlement terminal 100 to the seller 150 As the payment information of the user.

The virtual terminal management server 160 stores and manages the virtual terminal numbers allocated to the VAN shops for the plurality of sellers 150 operating the online shopping mall in the virtual terminal number DB 162. [ The virtual terminal number information managed as described above is provided to the VAN server 120 so that the VAN server 120 can authenticate the virtual terminal change request from the payment terminal 100. [

FIG. 2 shows a detailed block configuration of the payment terminal 100 according to an embodiment of the present invention. Hereinafter, the operation of each component of the payment terminal 100 of the present invention will be described in detail with reference to FIG. 1 and FIG.

First, the communication unit 200 is connected to the VAN server 120 through a wired or wireless communication network, and performs data transmission and reception for credit payment processing of an article or service using a credit card, a check card, or the like. The communication unit 200 is connected to the VAN server 120 according to an embodiment of the present invention to transmit and receive data for converting the payment terminal 100 into a virtual payment terminal of the seller 150, And performs data transmission and reception for processing payment information or the like in the terminal.

The card recognizing unit 202 is a device for recognizing a credit card or a check card, and recognizes a credit card or a check card provided from a user or the like upon purchase of an article or service, and reads information contained in the card. At this time, the credit card or the check card may be a magnetic card, an IC card, a smart card, or the like, and the card recognizing unit 202 may read the information contained in the card from the magnetic card, the IC card, And may include conventional means.

The printing unit 204 prints out a receipt or sales slip or the like on purchase of the goods or services for which the settlement is performed from the payment terminal 100 on the prepared paper and outputs the printed slip.

The display unit 206 displays information on various operating states of the payment terminal 100 under the control of the control unit 208 and displays result data corresponding to the user's request input through the keypad 105. In addition, according to the embodiment of the present invention, in the switching operation to the virtual settlement terminal, it is possible to display a phrase requesting input of a virtual terminal number or authentication information under the control of the control unit 208. [ Here, the user refers to a person who operates the payment terminal 100, and may be an employee or an employer of the store where the payment terminal 100 is installed. Also, in order to process the settlement of payment of the goods or services purchased in the online shopping mall by the offline settlement, the owner of the settlement terminal 100 transmits the settlement payment of the merchant 150 operating the online shopping mall, When switching to a terminal and making a payment, the buyer is referred to as a concept corresponding to the seller for convenience of explanation in the following description.

The keypad 105 may include a plurality of numeric keys or function keys for requesting various operations of the payment terminal 100. When a predetermined key is input by the user, the corresponding key data is generated, .

The keypad 105 may include a card payment key for issuing a receipt or a sales slip for a corresponding amount when making a payment with a credit card or a check card, and may be operated to output the corresponding receipt or sales slip The receipt output key may be included.

Also, the keypad 105 may include a virtual terminal switching key for inputting a request to convert the payment terminal 100 into a virtual payment terminal of the seller 150 according to an embodiment of the present invention. The virtual terminal switching key may be implemented as a separate key on the keypad 105 or a combination of a plurality of numeric keys or function keys.

The virtual terminal number of the seller 150 may be stored in the virtual payment terminal switching mode when the payment terminal 100 is set to the virtual payment terminal conversion mode. You can work with shortcut keys that you can. The virtual terminal number of the seller 150 may be stored in the memory unit 210 so as to be associated with each numeric key on the keypad 105.

The memory unit 210 stores an operation program for overall operation control of the payment terminal 100 and stores the virtual terminal number 212 for each seller according to the embodiment of the present invention. At this time, the virtual terminal number may be stored in association with each numeric key on the keypad 105.

The control unit 208 controls the overall operation of the payment terminal 100 according to the operation program stored in the memory unit 210. [ In addition, according to the embodiment of the present invention, when there is a request for switching the payment terminal 100 to the virtual payment terminal of the seller 150 by the user, the VAN server 120 is switched to the virtual terminal through the communication unit 200 And controls the payment terminal 100 to operate as a virtual settlement terminal of the seller 150 when the VAN server 120 accepts the virtual terminal change request.

For example, when the user desires to switch the payment terminal 100 to the virtual settlement terminal of the seller 150, the user inputs a key of a specific key implemented on the keypad 105 or a combination of a plurality of numeric keys or function keys The control unit 208 can set the virtual terminal switching mode to the payment terminal 100 when a key input requesting the virtual terminal switching is received via the keypad 105. [

When the virtual terminal switching mode is set to the virtual terminal switching mode, the control unit 208 requests the virtual terminal number of the seller 150 to switch to the virtual terminal, The virtual terminal number can be received by receiving the key input corresponding to the number. At this time, the virtual terminal number of the seller 150 may be stored in association with each of the numeric keys on the keypad 105. In this case, the control unit 208 recognizes the number key pressed on the keypad 105 as a shortcut key The virtual terminal number stored in association with the corresponding numeric key can be read from the memory unit 210.

The virtual terminal number of the seller 150 is not stored in advance in the memory unit 210 but is transmitted to the payment terminal 100 of the purchaser through the VAN server 120 interlocked with the web server 140 of the online shopping mall. ≪ / RTI > In this case, the display unit 206 of the purchaser's payment terminal 100 may display, for example, purchase details information of the goods or services purchased by the buyer at the online shopping mall, purchase price information, and the like.

Accordingly, the purchaser can confirm the purchase history information and the purchase price displayed on the payment terminal 100 and input a key for requesting settlement of the purchase price. The control unit 208 receives a key input for requesting settlement of purchase price The virtual terminal change request is transmitted using the virtual terminal number of the seller 150 provided from the VAN server 120 without requesting the seller 150 to input the virtual terminal number. In such a case, the purchaser can easily perform the virtual terminal switching even when the virtual terminal number of the seller 150 operating the online shopping mall is unknown, The risk of information disclosure can be improved.

If the virtual terminal number is input normally, the control unit 208 requests to input authentication information for authentication of the virtual terminal number again. The control unit 208 inputs the authentication information for authentication of the virtual terminal number through the keypad 105 or the card recognition unit 202 The authentication information can be received and the authentication information can be received. The authentication information is information transmitted from the payment terminal 100 to the VAN server 120 so that the VAN server 120 can check whether the offline payment performed by the payment terminal 100 is normal or not.

When both the virtual terminal number and the authentication information are input as described above, the control unit 208 transmits the virtual terminal number together with the authentication information for authenticating the request for switching to the virtual payment terminal to the VAN server 120 connected through the communication network, And requests the conversion to the payment terminal.

The control unit 208 controls the payment terminal 100 to operate as a virtual payment terminal of the seller 150 when the change request is accepted by the VAN server 120 and the payment terminal 100 To the VAN server 120 to request transaction approval, and then, when the transaction is approved, the payment history information approved for the transaction is output as a sales slip or the like.

3 is a detailed block diagram of a VAN server 120 according to an embodiment of the present invention. The VAN server 120 includes a communication unit 122, a virtual terminal processing unit 124, Card processing unit 126, and the like.

Hereinafter, operation of each component of the VAN server 120 according to the embodiment of the present invention will be described in detail with reference to FIG.

First, the communication unit 122 provides an interface for inputting / outputting data signals to / from the payment terminal 100, the credit card company / bank 130, etc. of the purchaser. That is, the communication unit 122 transmits the information received from the purchaser's payment terminal 100 to the virtual terminal processing unit 124 or the credit card processing unit 126, and transmits a transaction approval request and a transaction approval with the credit card company / And processes the input / output of the response signal.

The virtual terminal processing unit 124 identifies the seller 150 of the virtual terminal number using the virtual terminal number received from the communication unit 122 and transmits the payment terminal 100 to the corresponding seller 150 identified through the virtual terminal number ) To the virtual settlement terminal.

At this time, the virtual terminal processing unit 124 receives the authentication information for authentication of the off-line settlement transmitted together with the virtual terminal number from the settlement terminal 100 in the virtual terminal switching process and transmits the authentication information provided from the web server 140 of the online shopping mall And, if they match, the payment terminal 100 is switched to the virtual terminal of the seller 150. The above authentication information may be issued from the Web server 140 to the buyer and the VAN server 120 when the purchaser who accesses the Web server 140 of the online shopping mall selects offline payment.

In addition, the virtual terminal processing unit 124 can receive information on the purchaser, purchase history information of the goods or services purchased on the online shopping mall, purchase price information, and the like from the web server 140 of the online shopping mall. In this case, the virtual terminal processing unit 124 identifies the virtual terminal number of the seller 150 operating the online shopping mall in cooperation with the virtual terminal management server 160, identifies the virtual terminal number of the seller 150, And can provide the purchase price information to be paid to the payment terminal 100 of the buyer.

When the payment information for the purchase price purchased from the payment terminal 100 is transmitted, the virtual terminal processing unit 124 recognizes the virtual terminal number of the seller 150, The payment terminal 100 of the purchaser can be switched to the virtual terminal of the seller 150 by checking whether the transmitted authentication information matches the authentication information issued from the web server 140. [

When the payment processing unit 126 receives a payment processing request using the credit card or check card from the payment terminal 100 through the communication unit 122, the payment processing unit 126 requests the payment terminal 100 And notifies the settlement processing requested by the payment terminal 100 that the transaction has been normally performed when the transaction is normally approved from the credit card company / bank 130 or the like. The settlement processing unit 124 informs the web server 140 of the online shopping mall that the offline settlement has been normally processed when the settlement processing for offline settlement requested from the settlement terminal 100 is normally performed as described above.

FIG. 4 illustrates a signal processing flow for offline settlement in the electronic commerce complex payment system according to the embodiment of the present invention. Hereinafter, embodiments of the present invention will be described in detail with reference to FIGS. 1 to 4. FIG.

First, the seller 150 operating the web server 140 of the online shopping mall manages the virtual payment terminal of the seller 150 in order to allow the purchaser to use the payment terminal 100 provided in his / And registers the virtual terminal number given from the plurality of VAN companies to the management server 160 (S400). Accordingly, the virtual terminal management server 160 stores and manages the virtual terminal number registered by the seller 150 in the virtual terminal number DB 162 (S402). Such a virtual terminal number may be provided to each VAN server 120 operated by a plurality of VAN servers via the virtual terminal management server 160. [

Next, in a state where the virtual terminal number per merchant is managed by the virtual terminal management server 160 as described above, an arbitrary purchaser accesses the web server 140 of the online shopping mall through the user terminal 102, And then requests an offline settlement (S404).

Then, the web server 140 transmits authentication information for authentication of offline payment to the buyer's user terminal 102 (S406), selects the offline payment to the VAN server 120 connected to the payment terminal 100 of the buyer Information of the purchaser, online purchasing details of the purchaser, purchase price information, and the same authentication information for authenticating the offline payment are transmitted (S408).

Accordingly, the offline payment operation is performed for the goods or services purchased by the buyer between the payment terminal 100 and the VAN server 120 of the purchaser, and the web server 140 of the online shopping mall performs the offline payment operation for the goods or services purchased by the VAN server 120, (S410) until the success of the offline settlement is received from the online shopping mall.

At this time, in order to make an offline payment, it is necessary to switch the payment terminal 100 of the buyer to the virtual terminal of the seller 150 operating the web server 140 of the online shopping mall. In order to switch to the virtual terminal, 150) is required.

The virtual terminal numbers of such sellers may be selected and input by the buyer by previously storing the virtual terminal numbers of a plurality of sellers 150, which are the operating subjects of the online shopping malls frequently trading on the buyer's payment terminal 100, The payment terminal 100 may be provided to the purchaser's payment terminal 100 through the VAN server 120 interlocked with the payment server 140. [

Hereinafter, for convenience of explanation, the VAN server 120 provides the purchase history information, the purchase price information, and the virtual terminal number of the seller 150 to the purchaser's payment terminal 100 to process the offline payment However, the present invention is equally applicable to an embodiment in which the virtual terminal number of the seller 150 is stored in the payment terminal 100. [

The VAN server 120 confirms the payment terminal 100 registered in the buyer from the buyer information when receiving information on the buyer's purchase details on the online shopping mall, the purchase price information, and the corresponding buyer information from the web server 140, The virtual terminal number registered in the seller 150 operating the web server 140 in cooperation with the terminal management server 160 is confirmed.

Then, the VAN server 120 transmits the purchase history information and the purchase price information of the goods or services purchased online to the purchaser's payment terminal 100 and requests to perform the offline settlement (S412).

At this time, the purchase history information and the purchase price information may be displayed on the display unit 206 on the payment terminal 100 as in the calculation terminal installed in the counter such as a shopping mall (S414).

Then, the purchaser can confirm the online purchase history information and the purchase price information displayed on the payment terminal 100, and perform key input for performing offline payment if the information is correct. The key input for performing the offline settlement may be performed by inputting a confirmation key or the like simply on the payment terminal 100, but the present invention is not limited thereto.

When the payment terminal 100 displays the online purchase history information and the purchase price information for offline payment from the VAN server and there is a key input for performing offline payment for the purchase price, And transmits a request for switching to the terminal to the VAN server 120 (S416).

At this time, the payment terminal 100 may transmit the authentication information for authentication of offline payment together with a request for switching of the virtual terminal. After the key input for performing offline payment, the authentication information is displayed on the display unit 206, And can receive input from a buyer through a number key, a function key or the like on a keypad.

When the VAN server 120 receives a request to switch from the payment terminal 100 to the virtual payment terminal of the seller 150, the VAN server 120 transmits the authentication information transmitted from the payment terminal 100 and the authentication information provided from the web server 140 The payment terminal 100 is switched to the virtual terminal of the seller 150 (S418).

As described above, the authentication information is transmitted from the payment terminal 100 to the VAN server 120 in order to check whether the offline payment performed from the payment terminal 100 in the VAN server 120 is normal or not, Information. Accordingly, when receiving the authentication information, the VAN server 120 checks whether or not the authentication information is identical to the authentication information provided from the web server 140. If the authentication information matches the authentication information, the VAN server 120 authenticates the normal offline payment, 150 to the virtual terminal.

If the offline settlement from the settlement terminal 100 is authenticated as normal, the VAN server 120 transmits a response indicating that the virtual terminal change request has been normally performed to the settlement terminal 100 at step S420.

Accordingly, the payment terminal 100 is switched to the virtual settlement terminal of the seller 150 and is in a state of being able to receive the payment information, and the settlement terminal 100 receives the settlement information for paying for goods or services purchased online from the buyer (S422). At this time, in the embodiment of the present invention, since the purchase history information and the purchase price information purchased by the purchaser online from the VAN server 120 are transmitted and displayed on the payment terminal 100, the purchaser simply inputs the confirmation key or the like The payment terminal 100 can input the key input such as the confirmation key as the payment information.

Then, the payment terminal 100 transmits the payment information input by the purchaser to the VAN server 120 as described above, and requests transaction approval (S424).

Accordingly, the VAN server 120 requests transaction approval from the credit card company / bank 130 corresponding to the credit card or check card information included in the payment information (S426), and the credit card company / If a transaction approval response is received (S428), the web server 140 and the payment terminal 100 respectively transmit a transaction approval response for off-line settlement (S430, S432).

Then, when the payment terminal 100 receives the transaction approval response from the VAN server 120, the settlement terminal 100 outputs the payment history information approved by the transaction to the sales slip or the like (S434).

In addition, when the transaction acceptance response is received from the VAN server 120, the web server 140 completes the settlement process for the purchase details of the buyer at the online shopping mall (S436).

Accordingly, the purchaser can pay for the goods or services he / she has purchased to the other seller 150 at the online shopping mall using the payment terminal of his / her own using the payment terminal of the seller 150 , The convenience of use of the payment terminal 100 can be greatly increased.

As described above, according to the present invention, in the electronic commerce complex payment system, when a buyer selects payment via offline for an article or service purchased through an electronic commerce in an online shopping mall accessed through a communication network, The server requests the server to perform offline payment for the purchase price of the goods or services in cooperation with the VAN server connected to the purchaser's payment terminal. In the VAN server, the payment terminal of the buyer is switched to the virtual terminal of the seller, The payment information of the purchase price paid by the purchaser's payment terminal is processed by the payment information of the seller so that the offline payment can be made at the online shopping mall to provide various payment methods to the buyer while reducing the risk of leakage of personal information in electronic commerce .

While the invention has been shown and described with reference to certain preferred embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention. Accordingly, the scope of the invention should not be limited by the described embodiments but should be defined by the appended claims.

100: payment terminal 102: user terminal
120: VAN server 130: credit card company / bank
140: Web server 150: Seller
160: Virtual terminal management server

Claims (21)

A VAN server connected to the payment terminal of the buyer via a communication network when the purchaser selects the offline payment for the purchase price of the goods or services, A web server for transmitting purchase price information for the purchase price to the buyer and the VAN server by issuing authentication information for authentication of the offline payment and requesting to perform the offline payment;
If the settlement terminal is converted to a virtual terminal of a seller operating the web server for offline settlement after transmitting the purchase price information to the settlement terminal, the settlement information for the purchase price is received from the settlement terminal The VAN server processing the received payment information as payment information of the seller and notifying the processed payment information to the web server,
The payment terminal displaying the purchase price information provided from the VAN server and switching to the virtual terminal of the seller when performing the offline payment for the purchase price and transmitting the payment information for the purchase price to the VAN server ,
And a virtual terminal management server for managing the virtual terminal number of the seller and providing the virtual terminal number of the web server to the VAN server,
The VAN server,
The authentication information transmitted together with the virtual terminal number from the payment terminal, and then compares the received authentication information with the authentication information transmitted from the web server, and if the received authentication information matches the transmitted authentication information The payment terminal is switched to the virtual terminal of the seller,
The virtual terminal number may include:
And is allocated to the seller so as to be different for each of a plurality of VAN companies operating the VAN server
Complex payment system in online shopping mall.
The method according to claim 1,
The VAN server,
And provides the virtual terminal number of the seller to convert the payment terminal to the virtual terminal of the seller when the purchase payment information is transmitted to the payment terminal of the buyer.
delete The method according to claim 1,
The VAN server,
Receiving the information on the purchaser from the web server, recognizing the payment terminal registered in the purchaser using the information, receiving the virtual terminal number of the seller through the virtual terminal management server, And transmits the purchase price information and the virtual terminal number of the seller to the terminal.
delete The method according to claim 1,
The VAN server,
The payment information transmitted from the payment terminal is recognized as the settlement information of the seller, the credit card company or bank performing the payment transaction of the seller requests the transaction approval for the payment information, Information processing system.
The method according to claim 1,
The payment terminal,
When the offline payment for the purchase price is requested, receives the virtual terminal number of the seller for switching to the virtual terminal, and transmits the virtual terminal change request to the VAN server, And transmits the settlement information to the VAN server.
8. The method of claim 7,
The payment terminal,
A virtual terminal number registered in the numeric key input on the keypad is read when the virtual terminal is requested to be switched, and the virtual terminal number registered in the numeric key input on the keypad is read, And the terminal number is input to the mobile terminal.
8. The method of claim 7,
The payment terminal,
And the virtual terminal number of the seller is received from the VAN server together with the purchase price information, and the virtual terminal number is received as the virtual terminal number when the virtual terminal is requested to be switched. .
10. The method of claim 9,
The payment terminal,
After inputting the virtual terminal number, it is converted into an input mode of authentication information for authentication of the off-line settlement, and information input through a numeric key or a function key on a keypad or information stored in a card, And transmits it to the VAN server.
The method according to claim 1,
The payment terminal,
When the request for switching from the VAN server to the virtual terminal is approved, transmits the payment information for the purchase price to the VAN server.
Receiving an offline payment selection for a purchase price of an article or service purchased by a purchaser at a web server;
The web server transmits purchase price information, which is information on the purchase price, to the VAN server connected to the payment terminal of the buyer through a communication network, issues authentication information for authentication of the offline payment, and transmits the purchase information to the buyer and the VAN server And requesting to perform the offline settlement;
Transferring the purchase price information from the VAN server to the payment terminal of the purchaser to request payment,
Transmitting a virtual terminal change request for offline payment from the payment terminal;
Switching the payment terminal to a virtual terminal of a seller operating the web server when receiving the virtual terminal change request from the VAN server;
Transmitting payment information for the purchase price to the VAN server in the payment terminal converted to the virtual terminal of the seller,
Receiving payment information for the purchase price from the VAN server and processing the payment information as payment information of the seller;
Informing the web server of the payment information processed by the VAN server;
Receiving the processed payment information from the web server and processing the completed goods or service by the purchaser;
In the payment request step,
The VAN server provides the virtual terminal number of the seller for switching the payment terminal to the virtual terminal of the seller when the purchase payment information is transmitted to the payment terminal of the buyer,
Wherein the switching to the virtual terminal comprises:
Receiving the virtual terminal change request from the payment terminal;
Extracting authentication information received from the payment terminal together with the virtual terminal number;
Checking whether the authentication information provided to the VAN server in the web server coincides with the extracted authentication information;
And switching the payment terminal to the virtual terminal when the authentication information matches each other
How to pay at an online shopping mall.
delete 13. The method of claim 12,
In the payment request step,
Wherein the VAN server receives information on the purchaser from the web server and recognizes the payment terminal registered with the purchaser using the information.
delete delete 13. The method of claim 12,
The step of processing with the payment information of the seller,
Recognizing the payment information transmitted from the payment terminal as payment information of the seller;
Requesting the credit card company or the bank performing the payment transaction of the seller to approve the transaction for the payment information;
When the transaction approval is answered, transmitting transaction approval details of the payment information to the payment terminal
The method comprising the steps of:
13. The method of claim 12,
Wherein the transmitting the virtual terminal change request comprises:
Receiving a virtual terminal number of the seller when the payment terminal receives the offline payment request;
Receiving authentication information for authenticating the offline settlement;
Transmitting the virtual terminal number and authentication information to the VAN server and requesting the virtual terminal switching
The method comprising the steps of:
19. The method of claim 18,
In the step of receiving the virtual terminal number,
The payment terminal registers and stores one virtual terminal number in each of the number keys on the keypad included in the payment terminal, reads out the virtual terminal number registered in the number key input on the keypad, Wherein the payment information is received by a number.
19. The method of claim 18,
In the step of receiving the virtual terminal number,
Wherein the payment terminal receives the virtual terminal number of the seller together with the purchase amount information from the VAN server and receives the virtual terminal number provided as the virtual terminal number when the virtual terminal is switched, In the payment method.
19. The method of claim 18,
In the step of receiving the authentication information,
After the input of the virtual terminal number, the payment terminal converts the input mode into the authentication information input mode for authentication of the virtual terminal switching authentication and stores the information inputted through the numeric key or the function key on the keypad or the information And the information is input as the authentication information.

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