KR101796520B1 - Simple credit payment processing agent service apparatus and operating method thereof - Google Patents

Abstract

A simple credit settlement processing agency service apparatus and an operation method thereof are disclosed. When a credit payment processing request for a product ordered by a specific member is received from a content providing server, payment for the product is first transferred to a specific account for the content providing server with reference to a credit payment limit for the member. When a payment date is reached, a message for charging the payment for the product is transmitted to the client terminal of the member. The member can easily purchase a product that a member wants to purchase based on his/her credit even if the member does not have a credit card or does not have cash immediately.

Description

TECHNICAL FIELD [0001] The present invention relates to a simple credit settlement processing agent service apparatus,

The present invention relates to a simple credit settlement processing agent service apparatus and an operation method thereof, which enable a user to easily perform a charge settlement process for a commodity based on a credit of a user in an electronic transaction system.

Recently, as the spread of the Internet has become active, there has been an increasing use of systems for purchasing and paying for goods through the Internet.

The electronic transaction system using the Internet is a system in which a user accesses a contents provider server that sells various products using his / her client terminal, purchases a product he / she wants to purchase, And so on.

In a conventional Internet electronic transaction system, when a user purchases a product from a content providing server, the user transmits a payment to the seller or processes payment by utilizing a predetermined payment means such as a credit card owned by the user A payment processing system was utilized.

Such a payment processing system requires the user to purchase a commodity that is necessary immediately in view of the fact that the user can purchase the commodity only if the user possesses cash or can use a payment means such as a credit card. If payment is difficult, it is impossible to purchase the product.

In order to solve the problems of such an existing payment processing system and to provide a user with a variety of payment options, even if the user does not have a physical payment means such as a credit card, Research on the payment processing system to support the payment of the commodity is needed.

The present invention is characterized in that, when a credit payment processing request for a product ordered by a specific member is received from a content providing server, a payment process for the corresponding product is performed separately referring to the credit payment limit for the member, By sending a message to the client terminal of the member requesting the settlement amount for the commodity, the commodity that the member desires to purchase based on his or her credit, even if the member does not have a credit card or there is no cash immediately I would like to support the purchase.

The simple credit settlement processing proxy service apparatus according to an embodiment of the present invention includes a settlement limit database in which identification information about a plurality of members and information on a credit settlement amount for each of the plurality of members are stored in correspondence with each other, And receiving, from the client terminal of the first member among the plurality of members, a credit payment request for the first goods from the client terminal of the first member, An information receiver for receiving identification information of the first member from the client terminal of the first member when a request for a credit payment processing for the first product is received together with the identification information of the first member, The first credit settlement limit stored in association with the identification information of the first member from the database, A credit limit checking unit for checking information on the amount of the first commodity, comparing the settlement amount for the first commodity with the first credit settlement amount, and judging that the amount of settlement for the first commodity is less than the first credit settlement amount The transfer of the amount corresponding to the payment amount of the first commodity to the predetermined account for the content providing server is completed and the credit settlement processing completion message for the first commodity is transmitted to the content providing server When a predetermined date for billing is received after a credit settlement processing completion message for the first commodity is transmitted to the credit settlement processing unit and the content providing server, A message requesting a billing for the amount is generated and transmitted to the client terminal of the first member It should include a post-settlement.

The operation method of the simple credit settlement processing proxy service apparatus according to an embodiment of the present invention is characterized in that identification information about a plurality of members and information on a credit settlement amount for each of the plurality of members are associated with each other The method comprising the steps of: maintaining a settlement limit database in which a first payment is made from a client terminal of a first member of the plurality of members, receiving a credit settlement request for a first commodity from a client terminal of the plurality of members, Receiving identification information of the first member from the client terminal of the first member when receiving a request for a credit settlement processing for the first commodity together with information on the commodity information and the payment amount, From the payment limit database based on the identification information, stored in association with the identification information of the first member Comparing the settlement amount for the first product with the first credit settlement amount to determine whether the settlement amount for the first product is less than the first credit settlement limit The payment server transmits a payment of the amount corresponding to the payment amount of the first commodity to the predetermined account with respect to the content providing server to complete the credit payment processing for the first commodity to the content providing server And when a predetermined date for billing is received after a credit settlement processing completion message for the first commodity is transmitted to the content providing server, And transmits the message to the client terminal of the first member And a step of.

The present invention is characterized in that, when a credit payment processing request for a product ordered by a specific member is received from a content providing server, a payment process for the corresponding product is performed separately referring to the credit payment limit for the member, By sending a message to the client terminal of the member requesting the settlement amount for the commodity, the commodity that the member desires to purchase based on his or her credit, even if the member does not have a credit card or there is no cash immediately You can support your purchase.

1 is a diagram illustrating a structure of a simple credit settlement processing proxy service apparatus according to an embodiment of the present invention.
2 is a flowchart illustrating an operation method of a simple credit settlement processing proxy service apparatus according to an embodiment of the present invention.

Hereinafter, embodiments according to the present invention will be described in detail with reference to the accompanying drawings. It is to be understood that the description is not intended to limit the invention to the specific embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention. Like reference numerals in the drawings are used for similar elements and, unless otherwise defined, all terms used in the specification, including technical and scientific terms, are to be construed in a manner that is familiar to those skilled in the art. It has the same meaning as commonly understood by those who have it.

1 is a diagram illustrating a structure of a simple credit settlement processing proxy service apparatus according to an embodiment of the present invention.

1, a simple credit settlement processing proxy service apparatus 110 according to an embodiment of the present invention includes a settlement limit database 111, an information receiving unit 112, a credit limit check unit 113, a credit settlement processing unit 114 and a post-settlement unit 115.

The settlement limit database 111 stores identification information on a plurality of members and information on a credit settlement limit amount for each of the plurality of members in association with each other.

For example, the payment limit database 111 may store information as shown in Table 1 below.

Members' identification information Credit limit amount Identification information 1 90,000 won Identification information 2 600,000 won ... ...

Here, the settlement limit database 111 can be maintained and managed through a settlement limit database retaining unit (not shown) that can be included in the simple credit settlement processing substitution service apparatus 110.

At this time, the first member accesses the shopping mall site operated through the content providing server 140 using the client terminal 130 of the first member, selects the first commodity, and transmits a credit settlement request to the content providing server 140 The contents providing server 140 transmits to the simple credit settlement processing agent service apparatus 110, in response to the credit settlement request for the first commodity, the commodity information on the first commodity and the information about the settlement amount And transmits a credit settlement processing request for the first commodity.

At this time, when the information receiving unit 112 receives a request for a credit settlement process for the first commodity together with the information on the commodity information and the settlement amount for the first commodity from the content providing server 140, And receives the identification information of the first member from the client terminal (130).

The credit limit confirmation unit 113 confirms information on the first credit limit amount stored in the settlement limit database 111 based on the identification information of the first member in association with the identification information of the first member .

The credit settlement processing unit 114 compares the settlement amount for the first commodity with the first credit settlement amount and if it is determined that the settlement amount for the first commodity is equal to or less than the first credit settlement amount, And transmits a credit settlement processing completion message for the first commodity to the contents providing server 140. The settlement processing unit 140 transmits a credit settlement processing completion message corresponding to the first commodity to the contents providing server 140. [

Then, after the credit settlement processing completion message for the first commodity is transmitted to the content providing server 140, the post-settlement unit 115 transmits the settlement request message to the client terminal of the first member 130 to the client terminal 130 of the first member to generate a message for requesting the payment of the payment amount of the first commodity.

That is, when the simple settlement processing proxy service apparatus 110 according to the present invention receives a credit settlement processing request for the first commodity requested by the first member from the content providing server 140, The client terminal 130 of the first member transmits the payment for the first commodity to the specific account for the content providing server 140 with reference to the settlement limit, The first member can support the purchase of the first product on the basis of his or her credit even if the first member does not have a credit card or there is no cash immediately by sending a message requesting payment for the commodity.

At this time, according to an embodiment of the present invention, the simple credit settlement processing proxy service apparatus 110 may transmit identification information about the plurality of members and information on reserve funds each of the plurality of members has previously accumulated for credit settlement May be further included in the reserve database 116, which are stored in association with each other.

At this time, information may be stored in the reserve database 116 as shown in Table 2 below.

Members' identification information savings Identification information 1 300,000 won Identification information 2 200,000 won ... ...

Here, the reserve database 116 can be maintained and managed through a reserve database maintenance unit (not shown) that can be included in the simple credit settlement processing agency service apparatus 110.

At this time, the credit settlement amount corresponding to each of the identification information of the plurality of members stored in the settlement limit database 111 is set to a predetermined amount corresponding to each of the identification information for the plurality of members ) Ratio. ≪ / RTI >

For example, if information is stored in the reserve database 116 as shown in Table 2 and the selected ratio is "300%", a payment limit database (for example, 111) may be "900,000 won ".

According to an embodiment of the present invention, the simple credit settlement processing proxy service apparatus 110 may further include a monitoring unit 117 and a limit change unit 118.

The monitoring unit 117 monitors the change status of the reserve stored in the reserve database 116 in association with each of the identification information for the plurality of members.

In this regard, the plurality of members can increase the respective reserves stored in the reserve database 116 in order to increase the credit settlement amount limit set for the plurality of members. At this time, 116) of the change of the membership of each member can be monitored.

When the reserve stored in association with the identification information of the second member among the plurality of members is changed on the settlement limit database 111, the limit changing unit 118 multiplies the changed reserve by the predetermined ratio The credit limit amount for the second member is defined as a reimbursement amount and the information on the credit limit amount stored in the settlement limit database 111 in correspondence with the identification information of the second member is set as the credit limit amount With the information on.

That is, when the second member of the plurality of members has changed the reserve, the limit changing unit 118 multiplies the variable reserve of the second member by the predetermined ratio, And can store the amount in the settlement limit database 111 again after determining the property.

In addition, according to an embodiment of the present invention, the simple credit settlement processing proxy service apparatus 110 may be configured to perform the simple credit settlement processing proxy service apparatus 110 with predetermined product codes for a plurality of products and product codes corresponding to each of the product codes for the plurality of products And a goods purchase limit database 119 in which information on a credit settlement limit amount is stored.

At this time, information may be stored in the product purchase limit database 119 as shown in Table 3 below.

Product Code By product  Amount based on credit limit Item code 1 (computer) 1 million won Item code 2 (bag) 200,000 won ... ...

Here, the commodity purchase limit database 119 can be maintained and managed through a commodity purchase limit database retaining unit (not shown) that can be included in the simple credit settlement processing proxy service apparatus 110.

The information receiving unit 112 may further receive a product code for the first product from the content providing server 140 when receiving a request for a credit settlement process for the first product from the content providing server 140 , And the credit limit confirmation unit 113 receives from the product purchase limit database 119 based on the product code for the first product a first credit limit payment amount reference amount per product corresponding to the product code for the first product You can see additional information about it.

Then, the credit settlement processing unit 114 compares the settlement amount for the first commodity with the first credit settlement amount, and determines that the settlement amount for the first commodity is equal to or less than the first credit settlement amount If it is determined that the payment amount for the first product is equal to or less than the first payment amount limit for the first product by comparing the payment amount for the first product with the reference amount for the first product, The transfer of the amount corresponding to the payment amount of the first commodity to the predetermined account for the first commodity 140 is completed and the credit payment processing completion message for the first commodity can be transmitted to the contents providing server 140 have.

That is, when the credit settlement processing request for the first commodity is received from the content providing server 140, the simple credit settlement processing proxy service apparatus 110 according to the present invention transmits the settlement amount for the first commodity to the settlement limit database If the amount is less than or equal to the payment limit amount of the first member stored in the product purchase limit database 119 and less than or equal to the product credit limit limit amount corresponding to the product code for the first product stored in the product purchase limit database 119 Only the credit settlement processing can be performed.

By setting the settlement limit for each product in this way, it is possible to prevent problems such as a credit problem that may occur due to unreasonably performing a credit settlement for luxurious goods or the like, a failure to make a payment for a fee, and the like.

According to an embodiment of the present invention, the simple credit settlement processing proxy service apparatus 110 includes a payment history database 120, a weight table holding unit 121, a settlement history checking unit 122, a weight checking unit 123 And a limit correction unit 124. [0050]

The settlement history database 120 stores identification information on the plurality of members and credit settlement history information for each of the plurality of members (the credit settlement history information includes a commodity code of a commodity purchased by each member, And information on the payment amount is included) are stored in association with each other.

For example, the payment history database 120 may store information as shown in Table 4 below.

Members' identification information Credit history information Identification information 1 Product Code: Item Code 1
Purchase date: January 10, 2017
Payment amount: 150,000 won Item code: Item code 2
Purchase date: January 15, 2017
Payment amount: 50,000 won ... Identification information 2 Product Code: Item Code 3
Purchase date: January 20, 2017
Payment amount: 100,000 won Product Code: Item Code 3
Purchase date: February 20, 2017
Payment amount: 110,000 won ... ... ...

Here, the settlement record database 120 may be maintained and managed through a settlement record database retaining unit (not shown) that can be included in the simple credit settlement processing substitution service apparatus 110.

The weight table holding unit 121 stores and maintains a weight table in which predetermined limit increase weights are recorded for each of the product codes for the plurality of products by the number of settlement times.

At this time, information may be recorded in the weight table as shown in Table 5 below.

Product Code Number of payments Weight increase limit Item code 1 1 ~ 3 times 1.1 3 ~ 5 times 1.2 5 to 7 times 1.3 ... ... Item code 2 ... ... ... ... ...

At this time, when the credit limit check unit 113 confirms the information on the credit limit ceiling amount for each first product, the settlement history check unit 122 checks the identification information of the first member from the settlement history database 120 The first credit payment history information stored in association with the first credit settlement history information stored in correspondence with the information is checked to determine the first settlement count matching the goods code for the first goods.

The weight checking unit 123 confirms the first limit increase weight corresponding to the first settlement count among the limit increase weight according to the settlement count corresponding to the commodity code for the first commodity from the weight table.

The limit adjustment unit 124 applies the first limit increase weight to the first product credit limit ceiling reference amount to correct the first product credit limit ceiling reference amount.

At this time, the credit settlement processing unit 114 compares the settlement amount for the first commodity with the first credit settlement amount, and determines that the settlement amount for the first commodity is less than the first credit settlement amount, When it is determined that the settlement amount of the first commodity is equal to or less than the corrected first commodity credit settlement limit amount by comparing the settlement amount of the first commodity with the corrected first commodity credit settlement limit amount, The transfer of the amount corresponding to the payment amount of the first goods to the predetermined account for the contents providing server 140 is completed and the payment server 140 transmits the payment processing completion message Can be transmitted.

In other words, the simple credit settlement processing proxy service apparatus 110 according to the present invention can calculate the credit limit of the first member based on the credit limit amount of the first member, Determining whether or not a credit settlement process is to be performed for the first product, and when the first member has a history of purchasing a plurality of items for the first product, the first member stores a corresponding number of settlements for the first product stored in the weight table A history of a plurality of purchases of the first merchandise by the first member is increased by applying a limit increase weight for the first merchandise to a reference credit amount for each merchandise for the first merchandise by increasing the payment limit amount for the first merchandise If the credit is high enough and the price of the first commodity is higher than the commodity credit settlement amount set in the first commodity So that the credit settlement process can be normally performed.

According to one embodiment of the present invention, the simple credit settlement processing proxy service apparatus 110 may further include an additional payment means database 125. [

The additional payment means database 125 stores identification information on the plurality of members and information on additional payment means previously registered by the plurality of members in association with each other.

For example, the additional payment means database 125 may store information as shown in Table 6 below.

Members' identification information Additional payment method Identification information 1 Credit Card Number: 1234-5678-9012 Identification information 2 Small payment mobile phone number: 010-1234-5678 ... ...

Here, the additional payment means database 125 can be maintained and managed through an additional payment means database holding unit (not shown) that can be included in the simple credit settlement processing agent service apparatus 110. [

At this time, if it is determined that the payment amount for the first commodity exceeds the first credit settlement amount, the credit settlement processing unit 114 notifies the predefined account for the content providing server 140 to the first credit And the payment amount of the first commodity is not more than the amount of the first commodity, and the amount of money exceeding the first commodity credit limit is notified from the additional payment means database 125 Information on the first additional payment means stored in correspondence with the information and completes the settlement processing based on the information on the first additional payment means, And can transmit the credit settlement processing completion message.

At this time, after the credit settlement processing completion message for the first commodity is transmitted to the content providing server 140, the post-settlement unit 115 transmits the settlement request to the client terminal 130 To the client terminal 130 of the first member by generating a message for requesting the charge only for the amount of the first credit limit amount of the first commodity.

2 is a flowchart illustrating an operation method of a simple credit settlement processing proxy service apparatus according to an embodiment of the present invention.

In step S210, a payment limit database in which identification information on a plurality of members and information on a credit settlement amount for each of the plurality of members are stored corresponding to each other is maintained.

In step S220, when a credit payment request for the first product is received from the client terminal of the first member of the plurality of members to the content providing server, When receiving a credit settlement processing request for the first commodity together with information on the amount of money, receives identification information of the first member from the client terminal of the first member.

In step S230, information on the first credit limit amount stored in association with the identification information of the first member is confirmed from the payment limit database based on the identification information of the first member.

If it is determined in step S240 that the payment amount for the first product is less than the first credit limit amount by comparing the payment amount for the first product with the first credit limit amount, And transmits a credit settlement processing completion message for the first commodity to the content providing server. The settlement processing unit transmits the credit settlement processing completion message for the first commodity to the content providing server.

In step S250, after a credit settlement processing completion message for the first commodity is transmitted to the content providing server, when a predetermined date for billing is reached, the settlement of the first commodity to the client terminal of the first member And transmits a message requesting the billing of the amount to the client terminal of the first member.

According to an embodiment of the present invention, the operation method of the simple credit settlement processing proxy service apparatus may further include a step of transmitting the identification information of the plurality of members and the reserve information previously accumulated for each of the plurality of members And maintaining a reserve database in which information is stored in correspondence with each other.

At this time, the credit limit amount corresponding to each of the identification information of the plurality of members stored in the payment limit database is multiplied by a predetermined ratio to the reserve corresponding to each of the identification information for the plurality of members Wherein the operation method of the simple credit settlement processing proxy service apparatus comprises the steps of monitoring the change status of the reserve stored corresponding to each of the identification information for the plurality of members on the reserve database, Wherein when the reserve stored in association with the identification information of the second member among the plurality of members is changed, a credit settlement limit amount for the second member is determined by multiplying the changed reserve by the predetermined ratio, On the payment limit database, the second member Information about the credit limit, payment amount, which is stored in response to identification information may further comprise the step of replacing as information on credit payment limit the amount of wealth a constant.

According to an embodiment of the present invention, the method of operating the simple credit settlement processing proxy service apparatus may further comprise: determining whether or not the commodity codes corresponding to the commodity codes corresponding to the plurality of commodities, And maintaining a merchandise purchase limit database in which information on a credit limit ceiling amount is stored.

At this time, in step S220, when a credit settlement processing request for the first commodity is received from the content providing server, the commodity code for the first commodity is further received from the content providing server, and in step S230 The information on the first product credit limit limit amount corresponding to the product code for the first product is additionally checked from the product purchase limit database based on the product code for the first product, The payment amount for the first commodity is compared with the first credit settlement amount for the first commodity, and it is determined that the amount of settlement for the first commodity is equal to or less than the first credit settlement amount, Comparing the credit amount limit amount of the first product with the first payment amount of the first product, When the amount of the first commodity is equal to or less than the reference amount, the money transfer processing of the amount corresponding to the settlement amount of the first commodity is completed with respect to the predetermined account for the content providing server, A credit settlement processing completion message can be transmitted.

According to an embodiment of the present invention, the operation method of the simple credit settlement processing agent service apparatus may further include a step of transmitting identification information on the plurality of members and credit payment history information on each of the plurality of members The information includes information on a commodity code of a commodity purchased by each member, a date of purchase of the commodity, and a settlement amount), a step of maintaining a settlement history database in which the commodity codes are associated with each other, Storing a weight table in which a predetermined limit increase weight is recorded for each of the settlement counts, and if the information on the first credit limit settlement amount per item is confirmed in step S230, Stored in the settlement history database in association with the identification information of the first member, Determining a first settlement count matching the product code of the first product from the first credit settlement history information by referring to the history information, calculating a settlement frequency corresponding to a product code for the first product from the weight table, Checking the first limit increase weight corresponding to the first settlement count among the first limit increase weights, and applying the first limit increase weight to the first product credit limit limit amount, And performing a correction of the settlement limit reference amount.

At this time, in step S240, it is determined that the payment amount for the first commodity is less than the first credit settlement amount by comparing the payment amount for the first commodity with the first credit settlement amount, And when the amount of settlement for the first commodity is judged to be equal to or less than the first commodity credit settlement limit amount based on the corrected commodity, The transfer of the amount corresponding to the payment amount of the first goods to the predetermined account for the providing server may be completed and the credit payment processing completion message for the first goods may be transmitted to the contents providing server.

Further, according to an embodiment of the present invention, the operation method of the simple credit settlement processing agent service apparatus may further include a step of associating the identification information on the plurality of members with the information on the additional payment means previously registered by the plurality of members And further maintaining the stored additional payment means database.

At this time, if it is determined in step S250 that the payment amount for the first product exceeds the first credit payment limit amount, the predetermined account for the content providing server is set to the first credit payment limit amount The amount of money exceeding the first credit settlement limit amount from the settlement amount for the first commodity is stored in association with the identification information of the first member from the additional payment means database Extracting information on the first additional payment means and completing settlement processing based on the information on the first additional payment means and transmitting the credit settlement processing completion message for the first goods to the content providing server .

The operation of the simple credit settlement processing proxy service apparatus according to the embodiment of the present invention has been described above with reference to FIG. Here, the operation method of the simple credit settlement processing proxy service apparatus according to an embodiment of the present invention can correspond to the operation of the simple credit settlement processing proxy service apparatus 110 described with reference to FIG. 1, A detailed description will be omitted.

The operation method of the simple credit settlement processing proxy service apparatus according to an embodiment of the present invention can be implemented by a computer program stored in a storage medium for execution through a combination with a computer.

Also, the operation method of the simple credit settlement processing proxy service apparatus according to an embodiment of the present invention may be implemented in the form of a program command which can be executed through various computer means and recorded in a computer readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions recorded on the medium may be those specially designed and configured for the present invention or may be available to those skilled in the art of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape; optical media such as CD-ROMs and DVDs; magnetic media such as floppy disks; Magneto-optical media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like.

As described above, the present invention has been described with reference to particular embodiments, such as specific elements, and specific embodiments and drawings. However, it should be understood that the present invention is not limited to the above- And various modifications and changes may be made thereto by those skilled in the art to which the present invention pertains.

Accordingly, the spirit of the present invention should not be construed as being limited to the embodiments described, and all of the equivalents or equivalents of the claims, as well as the following claims, belong to the scope of the present invention .

110: Simple credit payment processing agent service device
111: Payment limit database 112: Information receiving unit
113: credit limit confirmation unit 114: credit payment processing unit
115: Post settlement unit 116: Reservation database
117: monitoring unit 118: limit changing unit
119: Commodity purchase limit database 120: Payment history database
121: Weight table holding unit 122: Payment history confirmation unit
123: Weight Checking Unit 124: Limit Checking Unit
125: Additional payment method database
130: client terminal of the first member
140: Content providing server

Claims (12)

A simple credit settlement processing agent service apparatus,
A settlement limit database in which identification information for a plurality of members and information on a credit settlement amount for each of the plurality of members are stored corresponding to each other;
A product purchase limit database storing information on predetermined credit codes for a plurality of products and a credit limit limit amount per product corresponding to each of the product codes for the plurality of products;
Identification information on the plurality of members and credit settlement history information for each of the plurality of members - information on the commodity code, the commodity purchase date, and the settlement amount of the commodity purchased by each member is included in the credit settlement history information - a payment history database stored in association with each other;
A weight table holding unit for storing and maintaining a weight table in which a predetermined limit increase weight is recorded for each of the plurality of commodities with respect to the number of settlement;
The method of claim 1, further comprising: receiving, from a client terminal of a first member of the plurality of members, a credit settlement request for a first commodity from a content providing server, Receiving a request for a credit settlement processing for the first commodity, receiving the identification information of the first member from the client terminal of the first member, receiving a commodity code for the first commodity from the content providing server An information receiving unit;
Confirms information on the first credit limit amount stored in association with the identification information of the first member from the payment limit database based on the identification information of the first member, A credit limit confirmation unit for confirming information on a first product credit limit ceiling reference amount corresponding to a product code for the first product from the product purchase ceiling database on a basis of the credit limit information;
When the confirmation of the information on the first product credit limit ceiling reference amount is completed, the first credit check history information stored in association with the identification information of the first member from the payment history database, A payment history confirmation unit for confirming a first payment number matching with a product code for the first product from the payment history information;
A weight verification unit for confirming a first limit increase weight corresponding to the first settlement count among the limit increase weight for each settlement number corresponding to the product code for the first product from the weight table;
An upper limit correction unit for applying the first limit increase weight to the first product credit limit lower limit reference amount to correct the first product credit limit upper limit reference amount;
The method of claim 1, further comprising: comparing a payment amount for the first product with the first credit limit value to determine that the payment amount for the first product is less than the first credit limit amount, Comparing the corrected first settlement-based credit limit ceiling amount with the corrected first settlement amount based on the first merchandise, and if it is determined that the settlement amount for the first commodity is equal to or less than the corrected first commodity credit limit ceiling amount for the first commodity, A credit settlement processing unit for completing remittance processing of a money amount according to the settlement amount of the first commodity and transmitting a credit settlement processing completion message for the first commodity to the content providing server; And
The method comprising the steps of: when a predetermined date for billing is received after a credit settlement processing completion message for the first commodity is transmitted to the content providing server, And transmits the generated message to the client terminal of the first member,
And a credit card issuer. The method according to claim 1,
Wherein the identification information for the plurality of members and the information about the reserve accumulated in advance for credit settlement of the plurality of members are stored in correspondence with each other,
Further comprising:
Wherein the credit limit amount corresponding to each of the identification information for the plurality of members stored in the settlement limit database is calculated by multiplying the reserve corresponding to each of the plurality of members by a predetermined ratio However,
The simple credit settlement processing proxy service apparatus
A monitoring unit monitoring the change status of the reserve stored corresponding to each of the identification information on the plurality of members on the reserve database; And
Wherein when the reserve stored in association with the identification information of the second member of the plurality of members on the payment limit database varies, the credit limit for the second member is calculated by multiplying the changed reserve by the predetermined ratio, And a limit change unit for changing the information on the credit limit amount stored in the settlement limit database in correspondence with the identification information of the second member,
Further comprising a credit card issuing means for issuing a credit card payment request. delete delete The method according to claim 1,
An additional payment means database storing identification information of the plurality of members and information on additional payment means registered in advance by the plurality of members in correspondence with each other,
Further comprising:
The credit settlement processing unit
When it is determined that the payment amount for the first commodity exceeds the first credit settlement limit amount, the remittance processing is performed only for the amount of the first credit settlement limit amount for the predetermined account for the content providing server To the first additional payment means stored in association with the identification information of the first member from the additional payment means database for an amount exceeding the first credit payment limit amount from the payment amount for the first product And a credit settlement processing proxy service for transmitting the credit settlement processing completion message for the first commodity to the content providing server after completing settlement processing based on the information on the first additional settlement means Device. A method of operating a simple credit settlement processing agent service apparatus,
Maintaining a payment limit database in which identification information on a plurality of members and information on a credit settlement amount for each of the plurality of members correspond to each other and stored;
Maintaining a product purchase limit database in which information on predetermined credit codes for a plurality of products and information on a credit limit credit amount for each product corresponding to each of the product codes for the plurality of products are stored;
Identification information on the plurality of members and credit settlement history information for each of the plurality of members - information on the commodity code, the commodity purchase date, and the settlement amount of the commodity purchased by each member is included in the credit settlement history information Maintaining a payment history database stored in association with each other;
Storing and maintaining a weight table in which a predetermined limit increase weight is stored for each of the plurality of commodities with respect to the number of settlement;
The method of claim 1, further comprising: receiving, from a client terminal of a first member of the plurality of members, a credit settlement request for a first commodity from a content providing server, Receiving a request for a credit settlement processing for the first commodity, receiving the identification information of the first member from the client terminal of the first member, receiving a commodity code for the first commodity from the content providing server step;
Confirms information on the first credit limit amount stored in association with the identification information of the first member from the payment limit database based on the identification information of the first member, Checking information on a first product credit limit ceiling reference amount corresponding to a product code for the first product from the product purchase limit database as a basis;
When the confirmation of the information on the first product credit limit ceiling reference amount is completed, the first credit check history information stored in association with the identification information of the first member from the payment history database, Confirming a first payment count matching the product code for the first product from the payment history information;
Confirming a first limit increase weight corresponding to the first settlement count among the limit increase weight according to the settlement count corresponding to the commodity code for the first commodity from the weight table;
Performing the correction of the first product credit limit ceiling reference amount by applying the first limit increase weight to the first product credit limit ceiling reference amount;
The method of claim 1, further comprising: comparing a payment amount for the first product with the first credit limit value to determine that the payment amount for the first product is less than the first credit limit amount, Comparing the corrected first settlement-based credit limit ceiling amount with the corrected first settlement amount based on the first merchandise, and if it is determined that the settlement amount for the first commodity is equal to or less than the corrected first commodity credit limit ceiling amount for the first commodity, And transmitting a credit settlement processing completion message for the first commodity to the content providing server when the settlement processing of the first commodity is completed; And
The method comprising the steps of: when a predetermined date for billing is received after a credit settlement processing completion message for the first commodity is transmitted to the content providing server, And transmitting the generated message to the client terminal of the first member
Wherein the credit card is a credit card. The method according to claim 6,
Maintaining a reserve database in which identification information on the plurality of members and information on a reserve accumulated in advance for credit settlement of the plurality of members are stored in association with each other
Further comprising:
Wherein the credit limit amount corresponding to each of the identification information for the plurality of members stored in the settlement limit database is calculated by multiplying the reserve corresponding to each of the plurality of members by a predetermined ratio However,
The operation method of the simple credit settlement processing agent apparatus
Monitoring the change status of the reserve stored corresponding to each of the identification information on the plurality of members on the reserve database; And
Wherein when the reserve stored in association with the identification information of the second member of the plurality of members on the payment limit database varies, the credit limit for the second member is calculated by multiplying the changed reserve by the predetermined ratio, Replacing the information on the credit settlement limit amount stored in the settlement limit database in association with the identification information of the second member with the information on the credit limit amount settled in the settlement limit database,
Further comprising the steps of: delete delete The method according to claim 6,
Maintaining an additional payment means database in which identification information on the plurality of members and information on additional payment means registered in advance by the plurality of members correspond to each other and stored
Further comprising:
The step of transmitting the credit settlement processing completion message
When it is determined that the payment amount for the first commodity exceeds the first credit settlement limit amount, the remittance processing is performed only for the amount of the first credit settlement limit amount for the predetermined account for the content providing server To the first additional payment means stored in association with the identification information of the first member from the additional payment means database for an amount exceeding the first credit payment limit amount from the payment amount for the first product And a credit settlement processing proxy service for transmitting the credit settlement processing completion message for the first commodity to the content providing server after completing settlement processing based on the information on the first additional settlement means Method of operation of the device. A computer-readable recording medium recording a program for performing the method of any one of claims 6, 7, and 10. A computer program stored in a storage medium for executing the method of any one of claims 6, 7, or 10 through a combination with a computer.

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