KR102040890B1 - Method, apparatus and computer-readable medium for providing payment service, and computer program for executing method for obtaining payment page - Google Patents

Abstract

An embodiment of the present invention receives a request for generating a payment page corresponding to a payer account from a payee terminal, and includes payment target amount information and payment means information input through the payment target amount input area included in the payment page. Communication unit for receiving payment information from the payer terminal; Generating a payment page including a payment target amount input area for inputting a payment target amount in response to the payment page generation request and a payment area for paying the payment target amount input in the payment target amount input area; A payment page providing unit providing at least one of a text form of a web address of the payment page and an image code corresponding to the web address to the payee terminal or the payer terminal; And a financial management unit for calculating the payment target amount with respect to the account of the collector.
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Description

Method, apparatus and computer-readable medium for providing payment service, and computer program for executing method for obtaining payment page}

Embodiments of the present invention relate to a payment service providing apparatus, a method, a recording medium, and a computer program for executing a payment page obtaining method.

It is a global trend that electronic payments such as cards replace cash. European countries like Denmark are already moving beyond a coinless society to a cashless society. Experts believe that Korea will be closer to a cashless society in the long run. Jeong Yoo Shin, a professor of business administration at Sogang University, said, "It is true that cash is already being reduced." If people become accustomed to a cashless world, they may choose to stop using cash based on national consensus, like some countries. As the use of payment methods that replace cash is increasing and the types of payment methods are also diversified, the troubles of sellers of goods, that is, collectors, are increasing.

Embodiments of the present invention provide a payment service providing apparatus, a method, a recording medium and a method for obtaining a payment page performed by the payee terminal for providing a payment page for the payer to pay the payment target amount using a variety of payment means Provide a computer program for execution.

An embodiment of the present invention provides a payment service providing apparatus, a method for providing a payment page that allows a payer to directly enter a payment target amount to pay a payment target amount, and to allow the settled payment amount to be settled to the account of the payer; Provided is a computer program for executing a recording medium and a method for obtaining a payment page performed at a payee terminal for this purpose.

According to an embodiment of the present invention, a payment page generation request corresponding to a payer account is received from a payer terminal, and the payment target amount information input through the payment target amount input area included in the payment page and inputted through the payment area. A communication unit for receiving payment information including payment means information from a payer terminal; The payment for inputting payment method information for payment of the payment target amount input in the payment target amount input area and the payment target amount input area in response to the payment page generation request Generating a payment page including an area, and providing at least one of a text form of a web address of the payment page and an image code corresponding to the web address to the payee terminal or the payer terminal; study; And a financial management unit for calculating the payment target amount with respect to the account of the payee.

Another embodiment of the present invention comprises the steps of receiving a payment page generation request corresponding to the recipient account from the recipient terminal; A payment area for inputting a payment target amount in response to the payment page creation request and a payment area for inputting payment method information for payment of an input payment amount in the payment target amount input area; Generating a payment page that includes; Providing at least one of a text form of a web address of the payment page and a form of an image code corresponding to the web address to the payee terminal or the payer terminal; And receiving payment information including payment target amount information input through the payment target amount input area included in the payment page and payment method information input through the payment area from the payer terminal. The method is disclosed.

Another embodiment of the present invention discloses a computer-readable recording medium storing a computer program for executing the above-described payment service providing method on a computer.

Another embodiment of the present invention discloses a computer program stored in a medium for executing the above-described payment service providing method.

Another embodiment of the present invention includes a payment target amount input area for inputting a payment target amount and a payment area for inputting payment method information for payment of the payment target amount input in the payment target amount input area. An image code corresponding to the web address of the first payment page generated in correspondence with the payee account; And the information of the recipient; discloses the printed matter.

Other aspects, features, and advantages other than those described above will become apparent from the following drawings, claims, and detailed description of the invention.

These general and specific aspects may be practiced using systems, methods, computer programs, or any combination of systems, methods, computer programs.

According to a computer program for executing a payment service providing apparatus, a method, a recording medium, and a payment page acquisition method according to embodiments of the present invention, a payer may receive a payment from a payer using various payment means. You can easily request the creation of.

According to a computer program for executing a payment service providing apparatus, a method, a recording medium, and a method for obtaining a payment page according to an embodiment of the present invention, a payment page corresponding to a payer account is provided and the payer corresponds to the payer account. The payment target amount to be settled can be settled by the collector by directly accessing the settled payment page. In other words, it is convenient to make a payment simply by accessing a single payment page without the troublesome procedure of the payer and simply entering and transmitting information without moving the page, and using various payment methods from the payer from the payer. It is convenient to have a payment page to receive the payment target amount and to easily request a web address of the payment page, the payment service providing apparatus, method, recording medium and payment method acquisition method according to an embodiment of the present invention Contribute to the convenience of both collectors and payers.

According to a computer program for executing a payment service providing apparatus, a method, a recording medium, and a payment page acquisition method according to embodiments of the present invention, a collector collects various types of payment means without having to register a merchant. Only by subscribing to the payment service according to the examples, it is possible to obtain a payment page that can receive payment regardless of time, place, amount, and type of payment means.

1 is a view showing the configuration of a payment system according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating an example of a configuration of a payment service providing apparatus included in the server illustrated in FIG. 1.
3 is a detailed block diagram of an embodiment of the payment page providing unit shown in FIG. 2.
4 is a detailed block diagram illustrating an embodiment of the payment page generator illustrated in FIG. 3.
FIG. 5 is a detailed configuration diagram according to an embodiment of the financial management unit illustrated in FIG. 2.
6 is a detailed block diagram of an embodiment of the host account manager shown in FIG. 2.
7 is a flowchart illustrating a payment service providing method according to an embodiment of the present invention.
8 is a block diagram schematically illustrating an apparatus for obtaining a payment page according to an embodiment of the present invention.
9A and 9B are flowcharts illustrating a method for obtaining a payment page according to an embodiment of the present invention.
10 is an example of a payment page request screen displayed on a receiver terminal.
11 is another example of a payment page request screen displayed on a receiver terminal.
12 is another example of a payment page request screen displayed on a receiver terminal.
FIG. 13 is an example of a screen in which a web address of a payment page is displayed in text form on a receiver terminal when any one of the buttons shown in FIGS. 10 to 12 is selected.
14 illustrates an example of a screen on which a second payment page is displayed.
15 is an example of a screen displaying a second payment page according to another example.
16 is an example of a screen displaying a first payment page according to an embodiment.
17 is an example of printed matter printed with an image code according to an example.
18 is another example of a printout on which an image code is output.

As the invention allows for various changes and numerous embodiments, particular embodiments will be illustrated in the drawings and described in detail in the written description. Effects and features of the present invention, and methods of achieving them will be apparent with reference to the embodiments described below in detail together with the drawings. However, the present invention is not limited to the embodiments disclosed below but may be implemented in various forms.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, and the same or corresponding components will be denoted by the same reference numerals, and redundant description thereof will be omitted. .

In the following embodiments, the terms first, second, etc. are used for the purpose of distinguishing one component from other components rather than a restrictive meaning. In the following examples, the singular forms "a", "an" and "the" include plural forms unless the context clearly indicates otherwise. In the following examples, the terms including or having have meant that there is a feature or component described in the specification and does not preclude the possibility of adding one or more other features or components. In the drawings, components may be exaggerated or reduced in size for convenience of description. For example, the shapes of the respective components shown in the drawings are arbitrarily shown for convenience of description, and thus, the present invention is not necessarily limited to the illustrated.

1 is a view showing the configuration of a payment system according to an embodiment of the present invention.

Referring to FIG. 1, a payment system according to an embodiment of the present invention includes a server 100, a plurality of user terminals 200 and 300, a payment means server 400, and a communication network 500 connecting them. . Hereinafter, when referring to the plurality of user terminals (200, 300) separately, referred to as the receiver terminal 200 and the payer terminal 300, respectively for convenience of description.

Although two user terminals 200 and 300 and one payment means server 400 are illustrated in FIG. 1, the number is not limited thereto, and fewer or more user terminals and payment means servers may be provided. .

The payment service provided according to an embodiment of the present invention provides a kind of escrow service that brokers a currency transaction between a payer (eg, seller selling goods) and a payer (eg, buyer buying goods). to provide. The payee generates a personalized payment page using a payment service provided according to an embodiment of the present invention, and the payer accesses the payment page and performs a payment. The payment system according to an embodiment of the present invention provides a payment service that can be used even when a collector is not registered as a merchant for a payment method used by a payer. The payment system according to an embodiment of the present invention may provide a payment service that can be used even when the types of currencies used by the payer and the collector are different.

Referring to FIG. 1, the server 100 receives a personalized payment page request from a collector terminal 200 to a collector, generates a payment page, and provides access information of the payment page to the collector terminal 200. After receiving payment information from the payer terminal 300 accessing the payment page, the payment is finally established. The receiver terminal 200 may transmit the access information of the payment page to the payer terminal 300, but when the payment page access information is made offline, the online delivery may be omitted.

The server 100 may receive information regarding payment delivery from the payment means server 400 and generate a remittance command for settlement of payment amount to a collector. Remittance can be made to the bank account of the pre-registered collector. Although not shown in the drawings, the server 100 according to an embodiment of the present invention may include a memory, an input / output unit, a program storage unit, a controller, and the like.

The user terminals 200 and 300 refer to communication terminals capable of using a web service in a wired / wireless communication environment. In this case, the user terminals 200 and 300 may be a user's personal computer or a user's portable terminal. In FIG. 1, although the user terminals 200 and 300 are illustrated as smart phones, the spirit of the present invention is not limited thereto. As described above, a terminal equipped with an application capable of web browsing may be used without limitation. have.

Meanwhile, the user terminals 200 and 300 include a display unit for displaying a screen and an input device for receiving data from a user. The input device may include, for example, a keyboard, a mouse, a trackball, a microphone, a button, a touch panel, a camera, a motion sensor, and the like, but is not limited thereto.

The payment means server 400 provides a service related to a payment method used by a payer. The payer may first issue a payment means provided by the payment means server 400, and then use a payment means previously issued in a payment service provided according to an embodiment of the present invention. According to one embodiment, the payment means used by the payer may be a financial account. For example, the payment means server 400 may be a server managed by a financial institution, and the financial account may be a bank account. According to another example, the payment means server 400 is a server managed by a provider (eg, PayPal, Alipay, Tenpay, etc.) of a payment solution using the Internet, and the financial account is an account issued by the provider of the payment solution described above. Can be. According to another example, the payment means server 400 may be a server managed by a credit card company, and the payment means may be a credit card. However, the above-described example is a case where the embodiments of the present invention can be implemented by way of example, the present invention is not limited thereto.

Although not shown in the drawings, the payment means server 400 according to an embodiment of the present invention may include a memory, an input / output unit, a program storage unit, a controller, and the like.

The communication network 500 may connect the user terminals 200 and 300, the server 100, and the payment means server 400. For example, the communication network 500 provides a connection path so that the user terminals 200 and 300 may transmit and receive packet data after connecting to the server 100 and / or the payment means server 400. The communication network 500 may be, for example, wired networks such as Local Area Networks (LANs), Wide Area Networks (WANs), Metropolitan Area Networks (MANs), Integrated Service Digital Networks (ISDNs), wireless LANs, CDMA, Bluetooth, satellite communications, Although it may cover a wireless network such as 3G, 4G, 5G, the scope of the present invention is not limited thereto.

In the payment system according to an embodiment of the present invention, a payment page, which is not a collector, is connected to a payment page that is requested to be generated or provided by the collector terminal 200, and the payment information is transmitted to the server 100. Provide payment service to deliver. There is a transaction between the payer and the payer, and the payer may use the payment page to pay the payer the amount of the payment as the transaction benefit. According to this, a depositor in the position of providing a commerce service requests a payment page through which payments can be made using various payment methods, obtains a web address of the payment page, and provides it to the payer. There is an effect that can easily provide a service. Since the payer can perform payment without additional page movement or procedure by simply accessing the corresponding payment page and inputting payment information, the payment service according to an embodiment of the present invention greatly contributes to the convenience of the payer.

According to one example, the payment page is provided so that the payer can directly enter the payment target amount. In this case, a payment page corresponding to the payer account is prepared, and the payer may access the payment page provided in correspondence with the payer account and directly input the payment target amount to pay the amount to be settled to the payer. In other words, it is convenient to make a payment simply by accessing a single payment page without the troublesome procedure of the payer and simply entering and transmitting information without moving the page, and using various payment methods from the payer from the payer. It is convenient to have a payment page that can receive the payment target amount and to easily request the web address of the payment page, the payment service according to an embodiment of the present invention contributes to the convenience of both the collector and the payer.

2 is a block diagram illustrating an example of a configuration of a payment service providing apparatus 110 included in the server 100 illustrated in FIG. 1.

The payment service providing apparatus 110 according to an embodiment of the present invention may correspond to at least one processor or may include at least one processor. Accordingly, the payment service providing apparatus 110 may be driven in a form included in another hardware device such as a microprocessor or a general purpose computer system, and may be mounted in the server 100.

The payment service providing apparatus 110 shown in FIG. 2 shows only components related to the present embodiment in order to prevent the features of the present embodiment from being blurred. Accordingly, it will be understood by those skilled in the art that other general purpose components may be further included in addition to the components shown in FIG. 2. In addition, to distinguish the functions performed by each block included in the payment service providing apparatus 110 shown in FIG. 2 may be for convenience of description, whichever is included in the payment service providing apparatus 110. The function described as being performed by the block may be performed by another block included in the payment service providing apparatus 110.

The payment service providing apparatus 110 according to an embodiment may receive a payment page generation request from the payee terminal 200 and provide the payment page to the payer terminal 200 or the payer terminal 300. The payer may access the payment page using the payer terminal 200 or the payer terminal 300 of the payer himself. The payment service providing apparatus 110 receives the payment information transmitted by the payer through the payment page, confirms the payment information, and finally establishes the payment. When the payment is established, the server 100 may inform the payee of the establishment of the payment, and may inform the payer of the establishment of the payment. In addition, the server 100 to settle the payment amount to the account of the collector, and receives the payment amount from the payment method company (for example, the card company) used by the payer, thereby completing the basic procedure related to the payment.

The collector collects in advance a payment service provided according to an embodiment of the present invention and registers account information to be settled in the server 100. Collectors can subscribe to the payment service provided according to an embodiment of the present invention and use the payment service without complicated advance procedure, so that the payer can easily pay the bill regardless of time, place and payment method. can do. As such, as the accessibility of the payer is improved, the amount of sales of the payee may increase.

2, the payment service providing apparatus 110 according to an embodiment of the present invention includes a communication unit 111, a payment page providing unit 112, and a financial management unit 113. Hereinafter, each configuration of the payment service providing apparatus 110 will be described in detail.

The communication unit 111 according to an embodiment transmits / receives data with the user terminals 200 and 300 and the payment means server 400, and also transmits / receives data with other external servers. The communication unit 111 receives a payment page generation request from the collector terminal 200.

The payment page provided according to an embodiment of the present invention may be a first payment page or a second payment page. The first payment page does not include the payment target amount information, so that the buyer can enter the payment target amount directly, the payment target amount input area for inputting the payment target amount and the payment target amount input area for the payment target amount input area The second payment page is provided to display a payment target amount specified by the collector and to include a payment region for payment of the displayed payment target amount. In the first payment page, the buyer may directly input the payment target amount to pay the input payment target amount. The second payment page may display information on the payment target amount received by the communicator 111 from the payee, and the purchaser may pay the payment target amount specified by the collector on the second payment page.

The payment page generation request received by the communication unit 111 may be a first payment page generation request or a second payment page generation request. The request for generating the first payment page may include account information of the collector for receiving the payment settled by the payer, and the request for generating the first payment page and the first payment page may correspond to the payer account. The account of the payee may be a financial account, but it will be sufficient even with identification information of the payee account subscribed to the payment system according to an embodiment of the present invention. The first payment page generation request does not include payment target amount information.

The second payment page generation request includes account information of the collector and payment target information. The payment target information includes payment target amount information. The payment target amount information may include currency information as a reference. For example, the payment target amount information may be based on the first currency. Hereinafter, the first currency means a base currency of the payment target amount. The currency that is the basis of the payment target amount information may be directly input by the payee terminal 200, or a default currency may be set in advance. According to another example, the currency of the payment target amount information may be designated as a specific currency by the server 100, and in this case, the second payment page generation request received from the payee terminal 200 may be separately provided. It may not include call information.

The payment page generation request may further include information such as a name of a product for sale, a sale type, and a payment page link output type.

The communication unit 111 transmits a payment page generation request to the payment page providing unit 112, obtains a payment page access link from the payment page providing unit 112, and collects the payment terminal 200 and / or the payment terminal 300. To provide.

The communicator 111 receives, from the payer terminal 300, data received through the payment page, for example, payment information including payment target amount information and payment method information input through the payment target amount input area included in the payment page. To the financial management unit 113.

The payment information includes payment means information. The payment information may include reference currency information. For example, the payment information may include information that the currency used as the basis of the payment amount is the second currency, and may further include payment amount information based on the second currency. The payment information may include payment means information input through a space provided to input payment means information (for example, credit card information) in the payment page. The communication unit 111 may request the payment approval by transmitting the credit card information to the server of the credit card through the API for the credit card, and receive the payment approval from the server of the credit card.

The first call and the second call are referred to separately for convenience of identification, and the first call and the second call are not necessarily different and may be the same. The payment information may include payment method information, payment amount, and payment currency information. The communication unit 111 may receive payment information, transmit the received payment information to a payment institution, and receive payment approval from the payment institution. For example, when the payment method is a credit card, the payment information may include a card number, a password, an expiration date, and a CVC, and the communication unit 111 transmits the received payment information to the card company to receive payment approval from the card company. Can be.

However, the present invention is not limited thereto, and a method of transmitting payment approval information from the payer terminal 300 to the communication unit 111 may be used after the payer receives the direct payment by communicating with the payment institution.

The payment page providing unit 112 according to an embodiment generates and provides a payment page corresponding to the payment page generation request received by the communication unit 111 from the payee terminal 200. The payment page providing unit 112 generates and provides a first payment page that allows a payment user to freely input and pay in response to a request for generating a first payment page. The payment page providing unit 112 generates and provides a second payment page for paying the corresponding payment amount by referring to the payment amount information included in the second payment page generation request.

The payment page providing unit 112 may perform a payment by directly inputting payment information within one payment page without additional dynamics such as page movement, by referring to a payment page generation request received from a payee. A payment page settlement page for displaying a first region for receiving or displaying a payment target amount and a second region for inputting payment means information on one page is provided.

In the first payment page, the first area may include a payment target amount input area for inputting a payment target amount, and an amount may be input to the payment target amount input area by the payer. In the first payment page, the second area includes a payment area for inputting information of a payment means capable of paying the payment target amount input in the payment target amount input area.

In the second payment page, the first area displays the payment target amount specified by the collector, and the second area corresponds to the payment target amount specified by the collector, for example, the payment target amount information included in the request for generating the second payment page. It includes a payment area for inputting the information of the payment means for payment of the payment target amount.

According to an example, the payment page providing unit 112 provides the payment page web address to the collector terminal 200 through the communication unit 111. The payment page providing unit 112 provides at least one of a text form of a web address of a payment page or an image form corresponding to the web address. That is, the address of the payment page may be provided in the form of a text link of the web address, or may be provided in the form of an image code (two-dimensional barcode, for example, QR code) corresponding to the web address. In this example, the payer terminal 200 transmits the payment page address online or offline to the payer terminal 300, and the payer terminal 300 accesses the payment page and inputs payment information.

According to another example, the collector terminal 200 may transmit a payment page generation request including the information of the payer terminal 300 to the communication unit 111. In this example, the payment page providing unit 112 refers to the information of the payer terminal 300 received from the payer terminal 200 and directly sends the payment page address to the payer terminal 300 through the communication unit 111. I can deliver it.

The payment page may provide one or more apis (application programming interface) for the payment means. For example, the payment page may provide an api for each of the plurality of payment means so as to select one of the plurality of payment means and input the payment information. The api of each payment means may be provided by the server 400 or the web site of each payment means. Each of the plurality of payment means may be used to settle at least one currency. For example, the plurality of payment means may include a first payment means and a second payment means, the first payment means may pay for the first currency, and the second payment means may be different from the first currency. 2 may be able to pay the currency.

The payment means may be a bank account or a credit card, and may also include various payment solutions such as PayPal. Depending on the type of api of each payment method, the payment page may directly receive the information of the payment method (for example, the card number, etc.), and user account information (for example, an ID for accessing the server of the payment method). And password). The payment page may provide a space for entering credit card information. The payment page may provide a space for inputting user account information for accessing the payment solution.

The payment page may be generated to use a payment means that selects and pays any one of a plurality of currencies. Examples of such payment methods include globally networked credit cards (ex. VISA) and other payment solutions (such as PayPal). After the user selects the payment method, the user selects a currency to be paid and proceeds with the payment, or basically, the payment can be made in the currency specified for the payment method.

According to an embodiment of the present invention, the payee may specify a currency to be paid by the payer while transmitting a request for generating a payment page to the communication unit 111. For example, the payment page generation request may include a payment target amount based on the first currency to be settled by the payee and second currency information on which the payer pays the payment target amount. In this case, the payment page providing unit 112 may generate a payment page for selectively providing an api capable of using a payment method for payment of a second currency. The payment page providing unit 112 may generate a payment page that displays payment amount information obtained by converting the payment target amount of the first currency into the second currency. Alternatively, the payment page providing unit 112 may generate a payment page displaying both the payment target amount of the first currency and payment amount information converted from the payment target amount of the first currency into the second currency. In this case, the exchange rate may be applied to a real-time exchange rate obtained by using a real-time exchange rate api, and a notice text may be displayed on the payment page that a detailed payment amount may change according to a payment method and a timing.

Financial management unit 113 according to an embodiment of the authentication information of the payment information, settlement means between the payment company and the payment service according to an embodiment of the present invention, settlement between the payment service and the collector according to an embodiment of the present invention Perform financial tasks related to payment, such as work. For example, the financial management unit 113 calculates the payment target amount paid by the payer for the account of the collector.

The financial management unit 113 according to an embodiment transmits the payment information received through the payment page to the payment means server 400, and receives an approval for payment information from the payment means server 400. For example, the financial manager 113 transmits the credit card information and the payment amount information received through the payment page to the payment means server 400, and receives the approval for the payment information from the payment means server 400. Alternatively, the financial management unit 113 transmits the account information of the payment solution (Paypal, Alipay, etc.) received through the payment page to the corresponding payment method server 400, and approves the account information from the payment method server 400. Receive. When the financial management unit 113 receives the approval for the payment information, the financial manager 113 processes the payment as established. The financial management unit 113 accumulates the payment target amount corresponding to the paid amount in the collector account.

The settlement operation between the payment means company and the payment service according to an embodiment of the present invention is a task of receiving a remittance of the second currency from the payment means company of the second currency used by the payer, and the payment service according to an embodiment of the present invention. The settlement work between the payees is a work of remitting the first currency to the payee's account.

The settlement operation may be performed for each settlement, or may be periodically performed by calculating the accumulated settlement amount according to a predetermined period basis. Alternatively, when the settlement request is transmitted from the subject to be settled, the settlement operation may be irregularly performed on the settlement requested amount or the accumulated settlement amount.

First, in connection with the settlement between the payment means and the payment service, the financial management unit 113 receives a remittance of the second currency from the payment means company of the second currency used by the payer to the host account for the second currency of the payment service. The remittance may also be performed for each payment, or may be performed by calculating a cumulative settlement amount according to a predetermined period basis or by periodically or irregularly. Alternatively, when the settlement request is sent from the payment server 100, the settlement request amount or the accumulated settlement amount may be performed.

The financial management unit 113 transfers the payment amount to the host account for the payment currency with reference to the payment approval received after the payment information including the payment institution, the payment amount, the payment currency information, or the payment information is sent to the payment institution. The request can be sent to the payment institution.

However, in connection with the settlement of the payment between each payment method and the payment service, the remittance request from the payment server 100 does not necessarily need to be transmitted in advance, but may be settled without a separate remittance request according to a predetermined method. . For example, the financial manager 113 may transfer host account information of each currency to a payment means company that can settle each currency in advance. For example, the host account information of the second currency can be provided to the credit card company handling the second currency. In this case, even without a separate request, a method of remitting the accumulated settlement amount according to a previously agreed schedule by the payment method company according to the host account information previously transmitted may be used.

Next, the financial management unit 113 generates a remittance command for remitting the payment target amount of the first currency from the host account for the first currency to the collector's account in connection with the settlement work between the present payment service and the payee. For example, the financial management unit 113 accumulates the amount to be paid in the first currency in association with the collector's information (for example, account information), and the amount to be paid in the first currency accumulated in connection with the collector's information. You can create a remittance order for. The financial management unit 113 transmits the generated remittance command to the communication unit 111, the communication unit 111 transmits the remittance command to the financial institution, and the actual inter-account remittance may be performed at the financial institution. However, remittance of the payment target amount is not limited to only remittance of the payment target amount, but means remittance of the remittance amount including the payment target amount. The financial institution receiving the remittance command is the bank server of the host account for the currency (in this embodiment, the first currency) to which the remittance is to be sent.

According to an example, the remittance command may be generated for each payment, and the remittance amount may include only the payment target amount of each payment. According to another example, the remittance order may be generated collectively for the accumulated payment cases on a regular basis or on a predetermined basis based on a predetermined period, wherein the remittance amount is accumulated payment It may be the sum of the payment target amounts of the cases. According to another example, the remittance order is generated collectively to remit the sum of the accumulated amount of payments for the accumulated payments when the request is made by the depositor, or the settlement request amount specified by the depositor. Can be generated to transfer money.

The remittance order may be sent to the financial institution of the first currency on which the remittance amount is based. The remittance order includes account information of the depositor who may deposit the first currency. For example, if the first currency is KRW (KRW) and settles 10,000 KRW (KRW) to the payer, the financial management unit 113 will pay 10,000 won (KRW) from the host account for the KRW (KRW) of the payment service. Send a remittance command for remitting KRW) to the server of the first bank that issued the host account. The first bank may be a Korean bank that handles KRW. The account of the depositor may also be an account issued by a bank that handles KRW (KRW), and the account information of the depositor may be received in advance from the depositor when the subscriber registers for a payment service according to an embodiment of the present invention. Can be.

According to an embodiment, the financial management unit 113 generates a remittance order for remitting the payment target amount of the first currency from the host account for the first currency to the payer's account, the amount deducting the fee from the payment target amount. A remittance order for remitting money can be created. The financial manager 113 may set a higher fee when the first currency of the collector and the second currency of the payer are different than when the first currency of the collector and the second currency of the payer are the same. When the first currency of the collector and the second currency of the payer are different from each other, the financial management unit 113 may use a non-major currency (eg, dollar, euro, yen, etc.) when the first currency and the second currency are both major currencies (eg, dollar, euro, yen, etc.). , Pounds, francs, etc.), you can set a higher fee.

3 is a detailed block diagram of an embodiment of the payment page providing unit 112 shown in FIG. 2.

Referring to FIG. 3, the payment page providing unit 112 includes a page type determination unit 1121, a payment page generation unit 1122, and a link output unit 1123.

The page type determiner 1121 according to an embodiment determines the type of the payment page as one of a plurality of types. The type of the payment page may be determined based on the payment page generation request received by the communication unit 111. According to an embodiment, the payment page generation request includes type information of the payment page . The type information of the payment page includes information indicating whether the payment page requested by the collector is the first payment page or the second payment page.

The depositor may request the creation of the first payment page by selecting the first payment page generation request button provided on the payment page generation page, and the second payment by selecting the second payment page generation request button provided on the payment page generation page. You can request the creation of a page. Therefore, according to an example, the type information of the payment page may be determined according to the button selected by the collector.

Meanwhile, the payee selects a request button for generating a second payment page after inputting a payment target amount. Therefore, according to another example, the type information of the payment page may be determined according to whether the payment page generation request includes payment target price information.

The type information of the payment page may further include sale type information. The sale type information is information indicating whether the sale of the product by the settlement is a sale that requires delivery of the product or whether the sale of the product is unnecessary. The collector can specify the type of sale while requesting the creation of a payment page on the payment page generation page. For example, in the payment page generation page, the collector specifies whether the payment requires the delivery of goods or whether the payment requires the delivery of goods. Payment that does not require delivery of goods may correspond to, for example, a direct transaction or a simple remittance that does not involve the sale of goods.

The page type determination unit 1121 determines, based on the sale type information, the payment page type as the first type to include an area for receiving a shipping address when the payment requires the delivery of the product, and does not require the delivery of the product. In the case of payment, the type of the payment page is determined as the second type so as not to include an area for receiving a shipping address.

The payment page generator 1122 may generate the payment page differently according to the determination of the page type determiner 1121. When the payment page is determined as the first type by the page type determination unit 1121, the payment page generator 1122 generates a payment page of a first type including an area for receiving a shipping address. When the payment page is determined as the second type by the page type determination unit 1121, the payment page generation unit 1122 generates a payment page of a second type that does not include an area for receiving a shipping address.

For example, when the payment page according to the type information of the payment page is the first payment page of the first type, the payment page generation unit 1122 includes an area for receiving a shipping address and the payment target amount is not specified. One type of first payment page is generated. When the payment page according to the type information of the payment page is the second payment page of the first type, the payment page generation unit 1122 includes an area for receiving a shipping address and a second type payment of the first type in which a payment target amount is specified. Create a page. When the payment page according to the type information of the payment page is the first payment page of the second type, the payment page generation unit 1122 does not include an area for receiving a shipping address and the second type of payment amount is not specified. Generate a first payment page. When the payment page according to the type information of the payment page is the second payment page of the second type, the payment page generation unit 1122 does not include an area for receiving the shipping address, and the second type of the second type for which the payment target amount is specified. Create a payment page.

In one embodiment of the present invention, the type information of the payment page may include sale type information only when requesting the generation of the second payment page. The payment page generator 1122 may determine the type of the second payment page as one of a plurality of types based on the sale type information. For example, it may be determined as a first type including an area for receiving a shipping address or a second type without an area for receiving a shipping address. In the present embodiment, the payment page generator 1122 may determine the first payment. When creating a page, a payment page of a first type may always be provided, or a payment page of a second type may be always provided. The type of the first payment page may be preset by the collector and fixed to one type.

The link output unit 1123 according to an embodiment determines a type of outputting an access address of a payment page. The output type may be determined based on a payment page generation request received by the communication unit 111. According to one embodiment, the payment page generation request includes payment page link output type information. The payment page link output type information is information indicating a method of outputting a connection address of the payment page generated by the payment page generation unit 1122.

The payee can specify the payment page link output type while requesting the payment page creation on the payment page generation page. For example, in the payment page generation page, the collector specifies whether to receive a link of the payment page as a web address in the form of a text or a link to the payment page as an image code (for example, a QR code). Alternatively, the collector may designate a payment page link output target on the payment page generation page. For example, when a payee wants to directly transmit a payment page link from the server 100 to the payer terminal 300, the linker inputs the identification information of the payer terminal 300 in the payment page generation page to link the payment page. A payment page may be requested to be output directly to the payer terminal 300.

According to an embodiment, the page type determiner 1121 may include a first type of outputting a link output type as a text form of a web address of a payment page in response to a payment page generation request received from a payee, and the payment page. The link output unit 1123 outputs the web address of the payment page according to the determined link output type, and determines one of the second types for outputting an image code corresponding to the web address.

The link output unit 1123 according to an embodiment determines a link output target in response to a payment page generation request received from a collector. For example, the link output unit 1123 determines the link output target as the payer when the payment page generation request received from the payee includes the payer terminal 300 identification information, and the payment page generation request is the payer terminal. If the identification information is not included, the link output target is determined as a payee. In the present embodiment, the link output unit 1123 corresponds to the first type of outputting the web address of the payment page to the recipient terminal in response to the payment page generation request, and corresponds to the web address of the payment page to the recipient terminal. The second type of outputting an image code, the third type of outputting a web address of a payment page to a payer terminal, and the fourth type of outputting an image code corresponding to the web address of a payment page to a payer terminal. have.

The link output unit 1123 outputs a link of the payment page according to the determined payment page link output type. If the payment page link output type is the first type, the link output unit 1123 provides the web address of the payment page to the receiver terminal. When the payment page link output type is the second type, the link output unit 1123 provides an image code corresponding to the web address of the payment page to the receiver terminal. If the payment page link output type is the third type, the link output unit 1123 provides the web address of the payment page to the payer terminal. When the payment page link output type is the fourth type, the link output unit 1123 provides an image code corresponding to the web address of the payment page to the receiver terminal.

When the link output unit 1123 outputs a link of the payment page to the collector terminal 200, the link output unit 1123 may provide a link of the payment page to a pop-up window displayed on the display unit of the collector terminal 200. have. The link output unit 1123 may provide an icon capable of executing an application that can transmit a link of a payment page to the payer terminal 300 together with the link.

In one embodiment of the present invention, the payer subscribes to the payment system provided according to an embodiment of the present invention and is connected to his account to create a personalized first payment page request for payment service providing apparatus 110. Can be sent to. The request for generation of the first payment page may be generated and transmitted by the payee directly, but the request for generation of the first payment page may be automatically transmitted to the payment service providing apparatus 110 when the collector collects the payment system. For example, the payment system subscription request may include a request for generating a first payment page.

In the present embodiment, the payment service providing apparatus 110 generates a first payment page and stores a web address of the first payment page according to the first payment page generation request described above, and then provides a request for providing the first payment page from the payer. Each time a is received, the web address of the first generated payment page may be provided. For example, when the communication unit 111 receives the request for generating the first payment page, the payment page providing unit 112 generates a text form and a web address of the web address of the first payment page generated in response to the request for generating the first payment page. At least one of the types of image codes corresponding to may be stored in a storage (not shown) provided in the server 100 or provided to communicate with the server 100. Thereafter, the communication unit 111 may receive a request for providing a first payment page from the collector terminal 200. The payment page providing unit 112 provides the collector terminal 200 with at least one of a text form of a web address of a payment page stored in storage and an image code corresponding to the web address in response to the request for providing the first payment page. can do.

According to an example, the payment service providing apparatus 110 provides the web address of the generated first payment page to the payee terminal 200 so that the payee terminal 200 provides the web address of the first payment page to the payee terminal. It may be stored in the memory provided in the 200 or provided to be able to communicate with the receiver terminal 200. In this case, when the web address of the first payment page is needed, the payee terminal 200 may read the web address of the first payment page stored in the memory without communicating with the payment service providing apparatus 110.

As described above, in the present embodiment, the payment service providing apparatus 110 may receive the request for generating the first payment page and the request for providing the first payment page from the collector terminal 200. In response to the request for generating the first payment page, the first payment page may be generated and the web address of the first payment page may be stored in the server 100 or provided to the receiver terminal 200, and the first payment page may be provided. In response to the request, the web address of the first payment page stored in the server 100 may be provided to the collector terminal 200.

The first payment page may be provided so that the payer can directly input the payment target amount, and a plurality of payments for paying different payment target amounts may be processed through the first payment page. That is, the first payment page may be repeatedly used to generate a plurality of payment cases. Since the first payment page does not include payment amount information and corresponds to the account information of the payee to be settled, the first payment page is generated 1: 1 for each of the plurality of payee accounts and the web address of each first payment page. May be stored in the server 100 to correspond to each collector account.

On the other hand, when the communication unit 111 receives the second payment page request, the payment page providing unit 112 generates the second payment page and displays the text form of the web address of the second payment page and the image code corresponding to the web address. Provide at least one of the forms to the receiver terminal 200.

The second payment page is provided to display a predetermined amount of payment targets specified by the collector, and when the payment information is received through the second payment page and all processes for the payment are completed, the second payment page may be closed. That is, the second payment page may be used for one-time use to generate one payment.

FIG. 4 is a detailed configuration diagram of an embodiment of the payment page generator 1122 shown in FIG. 3.

Referring to FIG. 4, the payment page generator 1122 according to an embodiment of the present invention includes a first payment page generator 41 and a second payment page generator 42.

The first payment page generator 41 generates a first payment page and stores or transmits the web address of the first payment page to the payee terminal 200. If the payment page generation request received by the communication unit 111 is determined to be the first page generation request by the page type determination unit 1121, the first payment page generation unit 41 generates the first payment page. The first payment page generation unit 41 may store the web address of the first payment page in the server 100, and the link output unit 1123 may convert the web address of the first payment page in the form of text or image code. Output to the collector terminal 200.

The second payment page generator 42 generates a second payment page and transmits the web address of the second payment page to the payee terminal 200. If the payment page generation request received by the communication unit 111 is determined by the page type determination unit 1121 to be the second page generation request, the second payment page generation unit 42 generates the second payment page. The second payment page generation unit 41 may output the web address of the second payment page to the collector terminal 200 in the form of a text or an image code. The second payment page generation unit 42 may generate a second payment page of the first type or the second type according to the type determined by the page type determination unit 1121.

Although omitted in relation to FIG. 4, the contents described with respect to the payment page generator 1122 in FIG. 3 may also be applied to the payment page generator 1122 shown in FIG. 4.

FIG. 5 is a detailed configuration diagram of the financial management unit 113 illustrated in FIG. 2.

Referring to FIG. 5, the financial manager 113 includes a user account manager 1131, a host account manager 1132, and a payment manager 1133.

The user account manager 1131 manages accounts of users who have subscribed to a payment service. For example, it manages the cumulative settlement amount, settlement status, settlement processing, etc. for each user account. The user account management unit 1131 manages a task of receiving a remittance from a payment means account and a task of remitting a remittance to a user (receiver) account.

A host of a payment service according to an embodiment may have a host financial account for each currency provided by the payment system according to an embodiment. For example, it may have a first account that can deposit and withdraw money in the first currency, and a second account that can deposit and withdraw money in the second currency. The first account and the second account can be operated independently. For example, the user account management unit 1131 receives a remittance from the subject of the payment means of the second currency to the second account of the host, and separately performs a settlement of remitting the first currency from the first account of the host to the account of the collector. can do.

The host account manager 1132 manages an account of a payment service host. Assuming that payment is made in various currencies and balances the deposit amount and withdrawal amount of each account of the payment service host, there is no need for a separate settlement between the accounts of each currency of the host. This minimizes the direct movement of foreign currency, simplifying financial operations and saving money on exchange fees. In addition, instability caused by currency fluctuations is resolved.

The payment manager 1133 obtains data received through the payment page to the communication unit 111, for example, payment information input through the payment page, and generates a payment index based on the payment information. The payment index is identification information given to one payment item, and the payment manager 1133 may manage a payment list including a plurality of payment indexes. The payment management unit 1133 transmits the payment method information included in the payment information to the payment method server 400 to request payment approval, and receives the payment approval from the payment method server 400 to process the payment as completed. can do.

FIG. 6 is a detailed configuration diagram of the host account manager 1132 shown in FIG. 2 according to an exemplary embodiment.

Referring to FIG. 6, the host account management unit 1132 includes a monitoring unit 11321, a withdrawal account determination unit 11322, and a remittance processing unit 11323, and the withdrawal account determination unit 11322 includes a real-time exchange rate collecting unit 11322a. ).

The host account manager 1132 may process overseas remittance between a plurality of host accounts operated by a payment service according to an exemplary embodiment of the present invention. Foreign remittances may involve exchange. The host account manager 1132 may monitor the plurality of host accounts to balance the deposits of the plurality of host accounts.

According to an embodiment, the monitoring unit 11321 may monitor deposits of each of a plurality of host multiple accounts, and generate a notification when an account that meets a predetermined condition is found. According to another exemplary embodiment, the monitoring unit 11321 may monitor an expected deposit after a predetermined period of each of the plurality of host multiple accounts, and may generate a notification when an account for which the expected deposit meets a predetermined condition after a predetermined period is found. The condition may be a condition that the deposit becomes less than the predetermined amount. The account that generated the notification is hereinafter referred to as " first account. &Quot; The host account manager 1132 may generate a notification and terminate the process, but may automatically perform subsequent processing when the notification occurs. As an example of subsequent processing, a transfer order between host accounts can be generated.

The withdrawal account determiner 1122 according to an embodiment determines a second account to be remitted to the first account that has generated the notification. For example, the withdrawal account determiner 1122 determines the account with the most deposits (or the expected deposit) as the second account, and the remittance processor 11323 transfers at least a portion of the deposit of the second account to the first account. You can create a remittance order for international remittances. Foreign remittances include currency exchange. For another example, the withdrawal account determination unit 1122 determines the second account in consideration of the real-time exchange rate for each currency, and the remittance processing unit 111323 may transfer at least a portion of the deposit of the second account to the first account overseas. You can create a remittance order. For another example, the withdrawal account determination unit 1122 may determine a specific account preset by the manager as the third account.

According to an embodiment of the present disclosure, the withdrawal account determiner 11322 may determine an account of a currency having the highest real-time exchange rate, that is, the highest real-time value, as a second account compared to a previously stored reference exchange rate. The real-time exchange rate collecting unit 11322a collects the exchange rates for each currency in real time using an api provided by a public institution and provides the withdrawal account determination unit 11322.

According to one embodiment, the withdrawal account determiner 1112 may determine the second account by referring to both the base rate and real-time exchange rate of each currency, and the current real time deposit of the host account for each currency.

According to one embodiment, the withdrawal account determiner 1112 may be configured to include a host account for a currency that satisfies both a first condition in which the real time deposit is greater than or equal to a predetermined amount and a second condition in which the ratio of the real time exchange rate to the reference exchange rate is greater than or equal to the predetermined value. May be preferentially determined as the second account. If there is no host account that satisfies both the first condition and the second condition, the withdrawal account determiner 11322 determines a second host account for the currency with the highest rate of real-time exchange rate among the host accounts that satisfy the first condition. We decide by account. If there is no host account that satisfies the first condition, the withdrawal account determination unit 1122 determines that no account is available for withdrawal and outputs an error message.

7 is a flowchart illustrating a payment service providing method according to an embodiment of the present invention.

The flowchart illustrated in FIG. 7 includes steps that are processed in time series in the payment service providing apparatus 110 illustrated in FIGS. 2 to 6. Therefore, even if omitted below, it can be seen that the above descriptions with respect to the components illustrated in FIGS. 2 to 6 also apply to the flowchart shown in FIG. 7.

Referring to FIG. 7, in step S71, the payment page providing unit 112 may settle a payment target amount input area for inputting a target payment amount and payment method information for inputting a payment target amount input in a payment target amount input area. Create a payment page including a payment area for entering.

In operation S72, the payment page providing unit 112 provides the web address of the payment page generated in operation S71 to the collector terminal 200 in the form of a text or an image code corresponding to the web address. The payment page providing unit 112 may provide at least one of a text form of the web address of the payment page and an image code.

In step S73, the financial management unit 113 receives payment information including the payment target amount information and payment means information input through the payment page from the payer terminal 300.

In step S74, the financial management unit 113 establishes payment for the payment target amount using the payment information received in step S73.

Although not shown in FIG. 7, according to an embodiment, the payment service providing method may further include receiving a first payment page generation request corresponding to the collector account from the collector terminal 200 before step S71.

Although not shown in FIG. 7, according to one embodiment, after step S74, the financial management unit 113 receives the payment target amount from the operator of the payment means, and sets the payment target amount for the account of the collector.

8 is a block diagram schematically showing an apparatus 210 for obtaining a payment page according to an embodiment of the present invention.

The payment page obtaining apparatus 210 according to an embodiment of the present invention may correspond to at least one processor or may include at least one processor. Accordingly, the payment service obtaining apparatus 210 may be driven in a form included in another hardware device such as a microprocessor or a general purpose computer system. On the other hand, the payment page obtaining apparatus 210 shown in Figure 8 is mounted on the collector terminal 200. The payment page obtaining apparatus 210 may be mounted on the collector terminal 200 to communicate with the server 100, and thus, the server 100 and the collector terminal 200 described with reference to FIGS. 2 to 7 above. Data transmission and reception between the same can be applied to the payment service obtaining apparatus 210 shown in FIG.

The payment service obtaining apparatus 210 shown in FIG. 8 shows only components related to the present embodiment in order to prevent the features of the present embodiment from being blurred. Accordingly, it will be understood by those skilled in the art that other general purpose components may be further included in addition to the components illustrated in FIG. 8.

Referring to FIG. 8, the payment page obtaining apparatus 210 includes a communication unit 211, a user interface unit 212, and a display control unit 213.

The communication unit 211 communicates with the server 100 and the payer terminal 300. The communication unit 211 transmits a request for generating a payment page generated by the collector terminal 200 to the server 100. The payment page generation request includes type information of the payment page. For example, the type information of the payment page is information indicating whether the payment page to be created by the collector is the first payment page or the second payment page. Since the first payment page does not include the payment target amount information, the payer directly inputs the payment target amount, and the second payment page includes the payment target amount information. The payment page generation request may further include sale type information in the type information of the payment page. The communication unit 211 receives the web address of the payment page from the server 100 in text form and / or image code form.

The user interface unit 212 detects a user input input to the collector terminal 200 and performs processing on the user input.

The display control unit 213 controls the screen displayed on the display unit of the collector terminal 200. The display control unit 213 displays a payment page generation request screen on the display unit of the collector terminal 200, and displays the web address of the payment page received from the server 100 on the display unit of the collector terminal 200. The display control unit 213 according to an embodiment displays the web address of the payment page received from the server 100 in a pop-up manner on the display unit of the payee terminal 200. The display controller 213 may display an icon for executing an application that can share the web address of the payment page and the web address of the payment page in a popup window.

Contains payment target amount information. The communication unit 211 receives the web address of the payment page from the server 100 in response to the transmission of the payment page generation request. In detail, the communication unit 211 receives the web address of the payment page for paying the payment target amount from the server 100 in the form of a text or an image code corresponding to the web address.

9A and 9B are flowcharts illustrating a method of obtaining a payment page according to an embodiment of the present invention. 9A and 9B are the steps that are processed in time series by the payment page obtaining apparatus 210 illustrated in FIG. 8. Therefore, even if omitted below, the above descriptions of the components illustrated in FIG. 8 may be applied to the flowcharts illustrated in FIGS. 9A and 9B. In addition, the payment page obtaining apparatus 210 of FIG. 9 may be mounted on the receiver terminal 200 to communicate with the server 100. The server 100 and the receiver described above with reference to FIGS. Data transmission and reception between the terminal 200 may be applied to the flowcharts illustrated in FIGS. 9A and 9B.

In detail, FIG. 9A is a flowchart of a method of obtaining a first payment page according to an embodiment of the present invention.

9A, in operation S91, the communication unit 211 transmits a request for generating a payment page that does not include payment target price information, to the server 100. In the present embodiment, the payment page generation request is a payment page that does not include payment target amount information, that is, a first payment page generation request for requesting generation of a first payment page, and a request for generation of a payment page corresponding to the account of the collector. .

In operation S92, the communication unit 211 receives the web address of the payment page from the server 100 in at least one of a text form and an image code corresponding to the web address. In the present embodiment, the payment page is a first payment page for directly inputting a payment target amount in the payment page and paying the input payment target amount. The first payment page includes a payment target amount input area for inputting a payment target amount and a payment area for payment of an input payment amount in the payment target amount input area.

In step S93, the display control unit 213 displays the web address of the first payment page received in step S92 on the display unit of the payee terminal 200 in a pop-up manner. The display controller 213 may display an icon for executing an application that can share a web address of a payment page.

Next, FIG. 9B is a flowchart of a method for obtaining a second payment page according to an embodiment of the present invention.

Referring to FIG. 9B, in step S91 ′, the communication unit 211 transmits a request for generating a payment page including payment target price information to the server 100. In the present embodiment, the payment page generation request is a payment page including a payment target amount information, that is, a second payment page generation request for generating a second payment page. The payment page generation request transmitted in step S91 ′ includes payment target amount information.

In operation S92 ′, the communication unit 211 receives the web address of the payment page from the server 100 in the form of text and / or an image code corresponding to the web address. In the present embodiment, the payment page is a second payment page that can settle a fixed payment target amount. The second payment page displays a payment target amount according to the payment target amount information included in the payment page generation request sent in step S91 ′, and provides a function of paying the displayed payment target amount.

In step S93 ', the display control unit 213 displays the web address of the first payment page received in step S92' in a pop-up manner on the display unit of the receiver terminal 200.

Meanwhile, the method for obtaining a payment page according to an embodiment of the present invention shown in FIGS. 9A and 9B may be written as a program that can be executed by a computer, and a general purpose of operating the program using a computer-readable recording medium. It can be implemented in a digital computer. The computer-readable recording medium may include a storage medium such as a magnetic storage medium (eg, a ROM, a floppy disk, a hard disk, etc.) and an optical reading medium (eg, a CD-ROM, a DVD, etc.).

The server 100 according to an embodiment of the present invention may distribute a program capable of executing the payment service obtaining method according to an embodiment of the present invention to the collector terminal 200.

10 is an example of a payment page request screen displayed on the receiver terminal 200. In detail, FIG. 10 is an example of a screen for requesting provision of a first payment page.

The screen 1000 of FIG. 10 is an example of a case in which a collector collects a payment page and requests a payment page after logging in to a payment service according to an embodiment of the present invention. Referring to FIG. 10, the screen 1000 displays collector account information 1001, collector account settlement information 1002, and buttons 1003 and 1004.

According to an embodiment of the present invention, the server 100 stores the web address of the first payment page corresponding to the recipient account in the server 100, and the request for providing the first payment page from the collector terminal 200 is made. When received, the web address of the first payment page may be transmitted to the payee terminal 200. In this embodiment, when the button 1003 is selected, the collector terminal 200 transmits a request for providing the first payment page to the server 100 and transmits the web address of the first payment page from the server 100 in text form. Can be received and displayed. In the present embodiment, when the button 1004 is selected, the collector terminal 200 transmits a request for providing the first payment page to the server 100 and transmits the web address of the first payment page from the server 100 to an image code ( For example, it can be received and displayed in the form of a QR code).

According to another embodiment of the present invention, the server 100 may previously transmit the web address of the first payment page corresponding to the collector account to the collector terminal 200, and the collector terminal 200 may set the first payment. The web address of the page can be stored in text form and image code form. For example, the web address of the first payment page may be set when the payee logs in to his or her account through a program (eg, an application for a smartphone) provided according to a payment service according to an embodiment of the present invention. It can be downloaded to the beneficiary terminal 200 and stored as program internal data. In the present embodiment, when the button 1003 is selected, the collector terminal 200 may display the web address of the first payment page stored in the collector terminal 200 in a text form. In this embodiment, when the button 1004 is selected, the collector terminal 200 can display the web address of the first payment page stored in the collector terminal 200 in the form of an image code (for example, a QR code). have.

By selecting the buttons 1003 and 1004 shown in FIG. 10, the collector terminal 200 may obtain the web address of the first payment page which is assigned corresponding to the unique account of the collector. The type of output of the payment page web address included in the payment page provision request is determined by which button 1003 or 1004 the collector selects. When the collector selects button 1003, the web address of the payment page is provided in text form, and when the collector selects button 1004, the web address of the payment page is provided in the form of an image code. The web address in the form of text or image code thus obtained may be displayed on the receiver terminal 200 as a pop-up or automatically stored in the clipboard of the receiver terminal 200.

11 is another example of a payment page request screen displayed on the receiver terminal 200. 11 illustrates an example of a screen for requesting generation of a second payment page.

The screen 1100 of FIG. 11 is an example of the screen 1000 of FIG. 10 when a collector accesses a payment page generation request page after logging in to a payment service according to an embodiment of the present invention. Referring to FIG. 11, a screen 1100 displays a box 1101 for inputting a brand name and a box 1102 for inputting a payment amount, and a button 1104 for generating a link of a payment page and a payment page. A button 1105 for generating a QR code corresponding to the link is displayed.

In the example shown in FIG. 11, the money collector may enter the trade name “postcard” into the box 1101 on the screen 1100 and the payment amount “10,000 won” into the box 1102. Meanwhile, the collector can select the arrow 1103 in the box 1102 to select the currency type of the settlement amount. The currency designated as the default when the collector accesses the payment page generation request page displayed on the screen 1100 may be determined by the collector's account information or the collector's preset. However, according to an example, the display of the arrow 1103 illustrated in FIG. 11 may be omitted, and the currency may be designated and displayed as a default.

The collector collects the boxes 1101 and 1102 as shown in FIG. 11, and then selects the button 1103 or the button 1104 to transmit the second payment page generation request to the server 100. The second payment page generation request includes information input into the boxes 1101 and 1102. When the button 1103 is selected, a second payment page is generated and a web address of the generated second payment page is provided in text form. When the button 1104 is selected, a second payment page is generated and an image code (eg, a QR code) corresponding to the web address of the generated second payment page is provided. The web address in the form of text or image code may be displayed as a pop-up or automatically stored in the clipboard of the receiver terminal 200.

Which buttons 1104 and 1105 the collector selects determines the payment page link output type included in the payment page generation request. When the collector selects the button 53, the server 100 generates a payment page and provides a link to the payment page in text form.When the collector selects the button 54, the server 100 generates a payment page and makes a payment. Provide an image code that corresponds to the web address of the page. The web address in the form of text or image code thus obtained may be displayed on the receiver terminal 200 as a pop-up or automatically stored in the clipboard of the receiver terminal 200.

12 is another example of a payment page request screen displayed on the receiver terminal 200. In detail, FIG. 12 is an example of a screen that may request the provision of a first payment page or the creation of a second payment page.

The screen 1200 of FIG. 12 is an example of a case in which a collector collects a payment page request page after logging in to a payment service according to an embodiment of the present invention. In the screen 1200 illustrated in FIG. 12, the collector may request the provision of the first payment page or the creation of the second payment page. Referring to FIG. 12, the screen 1200 includes bill collector account information 1201, bill collector settlement information 1202, and buttons 1203 and 1204 for requesting provision of a first payment page. The portion displayed at the bottom of the screen 1200 is a portion for requesting generation of the second payment page. The screen 1200 includes a box 1204 for inputting a product name and a payment target amount, buttons 1205 and 1206 for selecting a sales type, and buttons 1207 and 1208 for requesting generation of a second payment page. Include.

Referring to FIG. 12, the collector selects the button 1203 on the screen 1200 to obtain the web address of the first payment page in text form, or selects the button 1204 to image the web address of the first payment page. Can be obtained in code form. The matters described with reference to the buttons 1003 and 1004 of FIG. 10 may be equally applicable to the collector selecting the buttons 1203 and 1204 to obtain the web address of the first payment page.

The collector may select button 1207 on the screen 1200 to obtain the web address of the second payment page in text form, or select button 1208 to obtain the web address of the second payment page in image code form. have. The matters described with reference to buttons 1104 and 1105 of FIG. 11 may be equally applicable to the collector selecting buttons 1207 and 1208 to obtain the web address of the second payment page.

Referring to FIG. 12, the screen 1200 includes buttons 1205 and 1206 for selecting a sales type. The collector selects the delivery required button 1205 or the direct transaction button 1206 displayed on the screen 1200 to generate sales type information. The sale type information is information indicating whether a transaction corresponding to the payment target amount is a transaction requiring delivery of goods or a transaction that does not require delivery of goods. The collector may select one of the buttons 1205 and 1206 to specify a sales type before pressing the buttons 1207 and 1208 on the page displayed on the screen 1200 to request the generation of the second payment page. Only one of the icons 1205 and 1206 may be selected in a toggle manner. For example, if the collector selects icon 1205 and then icon 1206, the selection for icon 1205 is released.

Referring to FIG. 12, a collector may generate one of a payment page provision request or a payment page generation request by selecting one of a first payment page and a second payment page on one page.

FIG. 13 illustrates a screen 1300 in which a web address of a payment page is displayed in text form on the receiver terminal 200 when any one of the buttons 1003, 1104, 1203, and 1207 illustrated in FIGS. 10 to 12 is selected. Yes. Referring to FIG. 13, a pop-up 60 displays a web address of a payment page as text, and an icon 61 for executing an application including a function of sharing a link of a payment page is displayed at the bottom of the web address. . The icon 61 may be linked to an application including functions of copying a clipboard, sending a messenger, and sending a message, respectively.

For example, if the first icon is a clipboard copy, when the collector clicks the first icon, the payment page link is copied to the clipboard of the receiver terminal. For example, if the second icon is a messenger transmission, the collector selects the second icon, moves to a messenger application, and sends a payment page link to the payer through the corresponding application. For example, if the third icon is a message transmission, the collector selects the third icon, navigates to the messaging application, enters the billing party's identification information (e.g. mobile phone number) through the application, and then links to the payment page. Send to the payer. Examples of the function of the icon are not limited to the above.

14 illustrates an example of a screen 1400 on which a second payment page is displayed.

In detail, when any one of the buttons 1104, 1105, 1207, and 1208 illustrated in FIGS. 11 and 12 is selected, a payer accesses a second payment page generated by the server 100, and the payer terminal 300 14 shows an example of a screen 1400 in which a second payment page is displayed. Referring to FIG. 14, the payment page displays a brand name (“postcard” in the example of FIG. 14), a payment amount (10,000 won in the example of FIG. 14), and a payment means 1401. The payment page on the screen 1400 provides an option for the payer to select a currency to pay. The payer can open the currency list to the right of the payment amount and select another currency. When the payer selects a currency, the communication unit 111 of FIG. 2 receives the currency information selected by the payer, and the payment page generator 112 of FIG. 2 converts the payment amount information based on a real-time exchange rate for the corresponding currency. The payment page (or a layer of the payment amount item included in the payment page) may be updated to display a in the payment amount item. In FIG. 14, an example is shown in which a payer has selected KRW (KRW) and a corresponding payment amount is shown. Meanwhile, according to another exemplary embodiment, the payment page displayed on the screen 1400 may receive payment information only in a default currency without providing an option for the payer to select a currency to be paid.

Referring to FIG. 14, the payment page provides a plurality of payment means 1401. In FIG. 14, an example is shown in which an information input area in which a payer selects a "direct payment" item in the payment means 1401 and a payer can input credit card information at the bottom thereof. In addition, the payer can select the "Paypal" item to make a payment using a PayPal account or the "Alipay" item to make a payment using an Alipay account. On the other hand, PayPal or Alipay is just an example of a fintech service that allows you to easily perform online payment using an account registered in advance, embodiments of the present invention is not limited to this example. If the payer selects the "Paypal" item, an area for entering the information to log in to the PayPal account will be displayed at the bottom of the screen.

The information input area for the payment means 1401 and each payment means displayed at the bottom thereof may be associated with an api of each payment means. The financial management unit 113 of FIG. 2 may transmit the payment information input by the payer to the information input area to the payment means server 400 through the api of the corresponding payment method, and may receive approval from the payment institution. However, the present invention is not limited thereto, and the process of inputting payment information by the payer in the information input area and receiving approval from the corresponding payment institution is directly performed between the payer terminal 300 and the payment method server 400 without passing through the service providing server 100. It may be handled by communication. In this case, the payer will have to provide the approval information to the service providing server 100.

Meanwhile, the payment page illustrated in FIG. 14 is an example of a second payment page of a second type that does not include an area for receiving a shipping address. For this purpose, the collector may have selected the direct transaction button 1206 shown in FIG. 12.

15 is an example of a screen 1500 displaying a second payment page according to another example.

In detail, FIG. 15 is an example of a screen 1500 displaying a second payment page of a first type including an area for receiving a shipping address. To this end, the collector may have selected the delivery required button 1205 shown in FIG. 12. Referring to FIG. 15, the second payment page further includes a payer's personal information input area 1501. The payer may input personal information including an address to which the goods are to be delivered through the personal information input area 1501. Personal information of the payer input through the personal information input area 1501 may be transmitted to the collector terminal 200 through the server 100. The collector may deliver the goods with reference to the personal information of the payer.

16 illustrates an example of a screen 1600 displaying a first payment page.

In detail, the first payment page provided by the server 100 or read out from the memory of the payee terminal 200 when any one of the buttons 1003, 1004, 1203, 1204 shown in FIGS. 10 and 12 is selected. 16 illustrates an example of a screen 1600 in which a payer accesses a first payment page corresponding to a web address and displays the first payment page on the payer terminal 300. Referring to FIG. 16, the first payment page provides a box 1601 through which a payer can directly enter a payment amount, and a box 1602 through which a payer can directly enter payer information.

At the bottom of the box 1602, an area 1603 for selecting one of a plurality of payment means and inputting payment means information is displayed. FIG. 16 illustrates an example in which an information input area in which a payer selects a "direct payment" item and a payer can input credit card information at the bottom thereof is shown. In addition, the payer can select the "Paypal" item to make a payment using a PayPal account or the "Alipay" item to make a payment using an Alipay account. On the other hand, PayPal or Alipay is just an example of a fintech service that allows you to easily perform online payment using an account registered in advance, embodiments of the present invention is not limited to this example. If the payer selects the "Paypal" item, an area for entering the information to log in to the PayPal account will be displayed at the bottom of the screen.

The information input area for the payment method and each payment method displayed at the bottom thereof may be associated with an api of each payment method. The financial management unit 113 of FIG. 2 may transmit the payment information input by the payer to the information input area to the payment means server 400 through the api of the corresponding payment method, and may receive approval from the payment institution. However, the present invention is not limited thereto, and the process of inputting payment information by the payer in the information input area and receiving approval from the corresponding payment institution is directly performed between the payer terminal 300 and the payment method server 400 without passing through the service providing server 100. It may be handled by communication. In this case, the payer will have to provide the approval information to the service providing server 100.

17 is an example of a printout in which an image code corresponding to a web address of a first payment page is output according to an embodiment of the present invention.

Referring to FIG. 17, an embodiment provides a business card 12 in which an image code C corresponding to a web address of a first payment page and personal information of a user are output. As described above, the first payment page is a page for providing a service that allows a payer to directly enter an amount and payment method information to make a payment. A plurality of payments for paying different payment target amounts may be processed through the first payment page. That is, the first payment page may be repeatedly used to generate a plurality of payment cases. The first payment page may be a payee who is settled, that is, a page corresponding to the account information of the business card owner in this embodiment. The first payment page may be generated in advance in correspondence with the account of the collector, and an image code corresponding to the web address of the first generated payment page may be generated. Also, a business card 12 having the image code C printed thereon may be provided.

Frequent remittances or payments occur in businesses. At this time, it is cumbersome to directly inform the accountant of the account information to be remitted each time, and it is cumbersome to directly input the account information from the remitter. Some users also want to use a payment method other than cash. Using a business card according to an embodiment of the present invention, with the personal information such as the user's name, contact information, image code that can be directly connected to the first payment page that can be used to pay a desired amount by using various payment means Is presented. Therefore, the convenience of remittance and payment is greatly improved, thereby increasing the convenience of business.

For example, if a user who does not have a card payment force sells goods on the street, the user provides the buyer with a business card printed with an image code corresponding to the web address of the first payment page corresponding to his account. As a result, buyers can access the first payment page through the image code and pay for the goods using various payment means.

In addition, the tutor provides the student with a business card printed with the image code corresponding to the web address of the first payment page corresponding to his or her account, so that the student can access the first payment page through the image code and use various payment methods. You can pay extra tuition.

The printed matter is not limited to a business card, and may include any type of printed material capable of printing an image code. For example, the present invention may be applied to various printed matters such as promotional materials, signs, signs, billboards, banners, and the like.

18 is another example of a printout on which an image code is output. Referring to FIG. 18, it can be seen that an image code accessible to the first payment page corresponding to the account of the payment service corresponding to the “deal store” is printed on the printed matter promoting “deal store”. In addition, it can be seen that the name [deal shop] is printed together as information on the payee of the amount paid on the first payment page.

According to the present embodiment, the printed matter illustrated in FIG. 18 may be provided in a shop selling goods. In addition, by providing the printout to the buyer of the goods, the buyer can access the first payment page corresponding to the store account through the image code, enter the amount of the goods directly, enter the payment method information, and pay the goods for the store. You can do that.

So far I looked at the center of the preferred embodiment for the present invention. Although the present invention has been described with reference to the embodiments illustrated in the drawings, this is merely exemplary, and a person skilled in the art to which the present invention pertains may modify the present invention without departing from the essential characteristics of the present invention. It may be implemented in the form, it will be understood that other equivalent embodiments are possible. Therefore, the disclosed embodiments should be considered in descriptive sense only and not for purposes of limitation. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the scope will be construed as being included in the present invention.

The invention can be represented by functional block configurations and various processing steps. Such functional blocks may be implemented in various numbers of hardware or / and software configurations that perform particular functions. For example, the present invention is an integrated circuit configuration such as memory, processing, logic, look-up table, etc., capable of executing various functions by the control of one or more microprocessors or other control devices. You can employ them. Similar to the components in the present invention may be implemented in software programming or software elements, the present invention includes various algorithms implemented in data structures, processes, routines, or any combination of other programming constructs, including C, C ++ It may be implemented in a programming or scripting language such as Java, an assembler, or the like. The functional aspects may be implemented with an algorithm running on one or more processors. In addition, the present invention may employ the prior art for electronic environment setting, signal processing, and / or data processing. Terms such as "mechanism", "element", "means", "configuration" can be used widely and are not limited to mechanical and physical configurations. The term may include the meaning of a series of routines of software in conjunction with a processor or the like.

100: server
200: collector terminal
300: payer terminal
400: payment method server
500: network
110: payment service providing device
210: payment page acquisition device

Claims (14)

The communication unit may be configured to receive payment target amount information and payment method information, which should be included in the payment page associated with the payer account, from the payer terminal when the payment page generation request received from the payer terminal does not include the payment target amount information. ;
When the payment page generation request does not include payment target amount information, a payment page is set to receive payment target amount information and payment method information and includes a payment area requesting payment.
A payment page providing unit converting a web address leading to the payment page into at least one of a text form and an image code form and providing the converted form to the payer terminal; And
When there is a user input included in the provided payment page, payment or remittance as much as the payment target amount information is implemented as a payment means of the payment means information directly input to the payment page, and the payment or remitted payment And a financial management unit configured to transmit information related to payment to a payment method server so that target amount information is accumulated in the payee account.
The payment page
The page can be modified to further include an area for receiving a shipping address by user input.
The payer terminal is
Specified by the payment information of the payer included in the payment page generation request received from the payee terminal;
The payment page generation request is a first payment page generation request that does not include payment target amount information or a second payment page generation request that includes payment target amount information.
The payment page providing unit may generate a first payment page including the payment target amount input area and the payment area when the payment page generation request is the first payment page generation request. 2 If the payment page generation request, a second payment page including a payment area for inputting payment method information for payment of the payment target amount corresponding to the payment target amount information included in the second payment page generation request. Create,
In the payment area for inputting the payment method information of the second payment page
Provide an API for each of a plurality of payment methods,
The API of each payment method is provided by the server or website of each payment method.
Each of the plurality of payment means is used to settle at least one currency,
It may include a first payment means and a second payment means,
And the first payment means makes a payment in a first currency, and the second payment means makes a payment in a second currency different from the first currency.
The method of claim 1
The communication unit further receives a payment page providing request from the payee terminal,
The payment page providing unit may include at least one of a text form of a web address of the payment page generated in response to the payment page creation request and an image code corresponding to the web address, or the payment service providing device. The receiver collects at least one of a text form of a web address of the payment page stored in the storage and an image code corresponding to the web address in a storage capable of communicating with a service providing device and corresponding to the payment page providing request. Payment service providing apparatus provided to the terminal or the payer terminal.
The method of claim 2,
The payment page provision request further includes link output type information.
The payment page providing unit,
A first type of outputting a link output type of the payment page in text form based on the link output type information, or a second type of outputting an image code corresponding to the web address of the payment page A page type determiner to determine a value; And
And a link output unit configured to output a web address of the payment page according to the determined link output type.
The method of claim 3, wherein
The link output type is
A first type of outputting a web address of the payment page to the payee terminal, a second type of outputting an image code corresponding to the web address of the payment page to the payee terminal, a web of the payment page to the payer terminal And a fourth type for outputting an address and a fourth type for outputting an image code corresponding to the web address of the payment page to the payer terminal.
According to claim 1,
The payment page is a payment service providing apparatus for providing a payment target amount input area and the payment area on one page so that a payer can enter the payment information in the payment page without moving the page.
delete According to claim 1,
The payment page providing unit may include a text form of a web address of the first payment page and a form of an image code corresponding to the web address when the payment page generation request is the first payment page generation request. Stored in the storage provided or in communication with the payment service providing device;
And providing at least one of a text form of a web address of the second payment page and an image code corresponding to the web address when the payment page generation request is the second payment page generation request. According to claim 1,
The payment page generation request is the second payment page generation request,
The second payment page generation request further includes sales type information,
And the payment page providing unit determines the type of the second payment page as one of a plurality of types based on the sale type information. The method of claim 8,
The sale type information indicates whether a transaction corresponding to the payment target amount requires delivery of goods,
The second payment page type is a first type including a region for receiving a shipping address or a second type without a region for receiving a shipping address.
Receiving, by the payment service providing apparatus, a payment page generation request corresponding to the recipient account from the recipient terminal;
When the payment service providing apparatus does not include payment target price information in the payment page generation request, generating a payment page including a payment area configured to receive payment target price information and payment method information and requesting payment ;
Converting, by the payment service providing apparatus, the web address leading to the payment page into at least one of a text form and an image code form and providing the converted form to the payer terminal;
If the payment service providing device does not include payment target price information in the payment page generation request received from the payee terminal, the payment target price information and payment method information to be included in the payment page associated with the payer account is settled. Receiving from a child terminal; And
If there is a user input included in the provided payment page, the payment service providing apparatus controls the payment or remittance as much as the payment target amount information to the payment means of the payment means information directly input to the payment page, And transmitting payment related information to a payment means server so that the payment or remitted payment target amount information is accumulated in the payee account.
The payment page
The page can be modified to further include an area for receiving a shipping address by user input.
The payer terminal is
Specified by the payment information of the payer included in the payment page generation request received from the payee terminal;
The payment page generation request is a first payment page generation request that does not include payment target amount information or a second payment page generation request that includes payment target amount information.
Generating the payment page,
When the payment page generation request is the first payment page generation request, a first payment page including the payment target amount input area and the payment area is generated, and the payment page generation request is the second payment page generation request. If the second payment page generation request to generate a second payment page including a payment area for inputting the payment method information for payment of the payment target amount corresponding to the payment target amount information included in the information,
In the payment area for inputting the payment method information of the second payment page
Provide an API for each of a plurality of payment methods,
The API of each payment method is provided by the server or website of each payment method.
Each of the plurality of payment means is used to settle at least one currency,
It may include a first payment means and a second payment means,
And the first payment means makes a payment in a first currency and the second payment means makes a payment in a second currency different from the first currency. A computer-readable recording medium storing a computer program for executing the method of claim 10 on a computer.
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