KR102067757B1 - Payment system interlocking online shopping mall and credit card companay - Google Patents

Abstract

The present invention relates to an online shopping mall and card company linked payment system, the technical problem to be solved is to provide a discount to buyers more easily, and to improve the performance of shopping mall products sales and card company at the same time.
For example, the payment card information providing unit for providing payment card information having a discount of each product when the product payment through the online shopping mall; A card issuing processing unit for processing a new issuance of a payment card provided through the payment card information providing unit; And a payment processing unit that processes a product payment method provided by an online shopping mall and a product payment applying a discount benefit of a new payment application or a newly issued payment card through the card issuance processing unit. Initiate.

Description

PAYMENT SYSTEM INTERLOCKING ONLINE SHOPPING MALL AND CREDIT CARD COMPANAY}

The present invention relates to an online shopping mall and card company linked payment system.

Currently, various online shopping malls provide product images, product information, purchase information, and discount information through web pages, and buyers check the information and apply for purchase of desired products. Proceed with payment processing in conjunction.

In particular, the discount information provided in each purchase page of the online shopping mall delivers only the information related to the product or the discount card information, discount rate, and interest-free installment associated with the shopping mall.

However, most buyers only check whether their current card is a discount card, and if not, they will not be able to purchase the product, search other malls for other discounts, or issue the card. For this purpose, a separate card is issued through the card company homepage or ARS.

This is a missed opportunity to sell merchandise in the online shopping mall, a missed opportunity to attract customers in the card company, and there is a hassle of applying for a separate card to receive a discount or a discount from the buyer. It can be said that problems exist from various points of view.

Publication No. 10-2014-0104524 (published date: August 29, 2014) Published Patent Publication No. 10-2017-0017286 (published date: February 15, 2017)

An embodiment of the present invention provides an online shopping mall and card company linked payment system that can more easily provide discount benefits to buyers, and improve the shopping mall product sales results and card company results at the same time.

An online shopping mall and card company linked payment system according to an embodiment of the present invention, the payment card information providing unit for providing payment card information having a discount of each product when the product payment through the online shopping mall; A card issuing processing unit for processing a new issuance of a payment card provided through the payment card information providing unit; And a payment processing unit processing a product payment method provided by an online shopping mall and a product payment applying a discount benefit of a payment card for which a new issuance application is completed or a new issuance is completed through the card issuing processing unit.

In addition, the online shopping mall information providing unit for providing other online shopping mall information that can provide discount benefits to the payment card provided through the payment card information providing unit; And a first discount target product information providing unit classifying the discount target product information to which the discount benefit of the payment card is applied for each online shopping mall provided through the online shopping mall information providing unit.

In addition, the online shopping mall information providing unit for providing other online shopping mall information that can provide discount benefits to the payment card provided through the payment card information providing unit; And receiving the product detail information or the product category information as the search information and providing the discounted product information to which the discount benefits of the corresponding payment card is applied to the input search information for each online shopping mall provided through the online shopping mall information providing unit. It may further include a discount target product information providing unit.

The first discount target product information providing unit and the second discount target product information providing unit operate on one web page until at least one discount target product information is selected, and the at least one discount target product information is selected. In this case, the product purchase page may be newly opened using the link information of the online shopping mall.

In addition, the card issuing processing unit, a payment card use information guide for guiding the use information of the new payment card to issue; Payment card application information input unit for receiving the application information of the payment card to be newly issued; A payment card issuing application unit for inputting personal information of an applicant who issuing a payment card and issuing a personal authentication and issuing a card; And a payment card issuing examination unit that performs card issuance examination based on the application information and the personal information, wherein the payment processing unit is a discount benefit of the corresponding payment card from the state where the card issuance application is completed through the payment card issuance application unit. If the product payment processing is applied, but the product is not passed through the payment issuance examination through the payment card issuance review unit after the product payment processing is completed, the discount benefits of the payment card can be cancelled.

The card issuing processing unit may further include a card issuing limiting unit for limiting the number of new issuances of payment cards for each user, and the card issuing limiting unit is interlocked with a card company and a credit card review system through the card issuing processing unit. The number of new issuances can be set for each user according to the usage history and delinquency history of another issued payment card and the purchase history of the credit card possessed by the user.

In addition, the payment processing unit, the payment request through the product payment method provided in the online shopping mall excluding the discounted amount of the total amount of the product purchase, the new card issuance application is completed or new payment is completed through the card issuance processing unit You can claim the discount amount to the card company.

According to the present invention, it is possible to provide a discount system for buyers more easily and to provide an online shopping mall and card company linked payment system that can simultaneously improve the shopping mall product sales and card company performance.

1 is a view showing an overall overview of an online shopping mall and card company linked payment system according to an embodiment of the present invention.
2 is a block diagram showing the overall configuration of an online shopping mall and card company linked payment system according to an embodiment of the present invention.
3 is a block diagram showing the configuration of a card issuing processing unit according to an embodiment of the present invention.
4 is a block diagram showing the configuration of a payment processing unit according to an embodiment of the present invention.
5 to 13 are views illustrating an online shopping mall and product information providing method using a payment card and a payment card application, examination and issuance process through a corresponding web page through an online shopping mall and a card company linked payment system according to an embodiment of the present invention. The figure is shown for.
14 to 16 are diagrams for explaining a method of providing online shopping mall and product information related to a discount of a payment card of an online shopping mall and a card company linked payment system according to an exemplary embodiment of the present invention.

Terms used herein will be briefly described and the present invention will be described in detail.

The terms used in the present invention have been selected as widely used general terms as possible in consideration of the functions in the present invention, but this may vary according to the intention or precedent of the person skilled in the art, the emergence of new technologies and the like. In addition, in certain cases, there is also a term arbitrarily selected by the applicant, in which case the meaning will be described in detail in the description of the invention. Therefore, the terms used in the present invention should be defined based on the meanings of the terms and the contents throughout the present invention, rather than the names of the simple terms.

When any part of the specification is to "include" any component, this means that it may further include other components, except to exclude other components unless otherwise stated. In addition, the terms "... unit", "module", etc. described in the specification mean a unit for processing at least one function or operation, which may be implemented in hardware or software or a combination of hardware and software. .

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

1 is a view showing the overall overview of the online shopping mall and card company linked payment system according to an embodiment of the present invention, Figure 2 is a block diagram showing the overall configuration of the online shopping mall and card company linked payment system according to an embodiment of the present invention. 3 is a block diagram showing the configuration of the card issuing processing unit according to an embodiment of the present invention, Figure 4 is a block diagram showing the configuration of a payment processing unit according to an embodiment of the present invention, Figures 5 to 13 is the present invention 14 is a diagram illustrating an online shopping mall and product information providing method using a payment card and a payment card application, examination and issuance process through a corresponding web page through an online shopping mall and a card company linked payment system according to an embodiment of the present invention. 16 is an online show associated with a discount of a payment card of an online shopping mall and a card company linked payment system according to an embodiment of the present invention. A diagram for explaining a method for providing product information and the mole.

First, referring to FIGS. 1 to 4, an online shopping mall and a card company interlocking payment system 1000 according to an embodiment of the present invention correspond to a payment service for a product provided in an online shopping mall in association with an online shopping mall and a card company. A device for processing and providing goods, new issuance of a related payment card, and various goods information of other sellers that can be received with a newly issued card or issued card, etc., the payment card information providing unit 100 and the card issuing processing unit ( 200 and the payment processing unit 300.

In addition, the online shopping mall and card company linked payment system 1000 according to an embodiment of the present invention is the online shopping mall information providing unit 400, the first discount target product information providing unit 500 and the second discount target product information providing unit ( At least one of 600) may be further included.

The online shopping mall and card company interworking payment system 1000 of the present embodiment may be implemented in the form of software installed on a web server. However, the present invention is not limited thereto, and a separate hardware and software interworking with the online shopping mall server and the card company server are combined. It may be implemented as a payment server.

The payment card information providing unit 100 may provide payment card information having a discount of each product when the product is paid through the online shopping mall. For example, as shown in FIG. 5, payment card information related to a discount of a corresponding product may be provided through a purchase page for a specific product of an online shopping mall. Here, the payment card information can be confirmed through the item of 'view discount card information' in FIG. 5, and information for each card company or card type can be displayed in the corresponding item, and 'issuing new' and ' Shopping mall / product search 'button, the card issuing processing unit 200 is operated when the' new issuing 'button is selected, and the online shopping mall information providing unit 400 is selected when the' shopping mall / product 'button is selected. ), The first discount target product information providing unit 500 and the second discount target product information providing unit 600 are operated to confirm various shopping malls and product information to which a new discount card or a issued discount card is applied. have.

On the other hand, the purchase page may provide an image of the product, the purchase price information (shopping mall sales price, discount card applied price) and the like, and may also proceed with the purchase process.

The card issuing processing unit 200 may process a new issuance of a payment card provided through the payment card information providing unit 100. To this end, the card issuing processing unit 200 is a payment card use information guide 210, payment card application information input unit 220, payment card issuance application unit 230, payment card issuance review unit 240 and card issuance restrictions It may include at least one of the portion 250.

The payment card use information guide unit 210 may guide the use information of the payment card to be newly issued. For example, as shown in FIG. 6, when the 'new issuing' button of a specific card is selected in the 'view discount card information', a pop-up page for new issuing of the corresponding card may be output in the corresponding purchase page. . The pop-up page provides information on the name, image, brand, annual fee, etc. of the card, and may provide various discount benefit information of the card.

The payment card application information input unit 220 may receive application information of a payment card to be newly issued. For example, when the 'card application' button is selected in the pop-up page of FIG. 6, as shown in FIG. 7, basic items such as a brand, a card grade, and a traffic function of the corresponding card may be selected.

The payment card issuance application unit 230 may proceed with the personal information input and identity verification of the applicant to issue a new payment card. For example, when selecting the 'Next' button after each option is input in the pop-up page of FIG. 7, as shown in FIG. 8, the card applicant's name, social security number, and other consent check input items are displayed. Through this, the applicant's personal information can be input. When the input of the personal information is completed, as shown in FIG. 9, the card applicant's identity verification and agreement with the selected items are displayed, and although not shown, enter additional information (job, address, card type, etc.) of the card applicant. The card applicant may proceed with the verification process by one of the methods selected by the card applicant (such as mobile phone authentication, public certificate, and card authentication). After this procedure, if the purchaser's new issuance application is completed, the discount benefits for the payment card can be applied from this state, and payment processing can be performed accordingly. Since there may be a card company that can not proceed directly to the card screening, even if the screening is not completed, it is possible to apply the discount service of the payment card immediately after completing the new issuance application.

However, the payment processing unit 300, through the payment card issuing application unit 230 is processed from the state where the card issuing application is completed by applying the discount benefits of the corresponding payment card, the payment card after the product payment processing is completed If it does not pass the card issuance review through the issuance review unit 240, the discount benefits of the payment card can be canceled, and the buyer can be notified to select a different payment method or cancel the purchase.

Of course, even after the issuance review through the card issuance review unit 240 may receive a discount service of the payment card associated with the online shopping mall.

The payment card issuance review unit 240 may perform card issuance examination based on card application information and personal information input from the card applicant as shown in FIG. 10 after the identity verification procedure is completed. At this time, the card issuance review can be carried out in real time by the electronic screening method to provide the results immediately, and the conduct of the examination through the person in charge of the card company. Through this process, for example, as shown in FIGS. 11 and 12, the card issuance guide may be immediately provided, and the issued card may be immediately applied as a payment means of a product to be purchased at the online shopping mall.

The card new issuance limiting unit 250 may limit the number of new issuance of payment cards for each user to prevent indiscriminate card issuance. More specifically, the card new issuance limiting unit 250 is linked to the card company and the credit card screening system affiliated with the system 1000 of the present embodiment, and the use history and delinquency of the payment card issued through the card issuing processing unit 200. The number of new issuance can be set differently for each user according to the history, and the number of new issuance can be limited by verifying the purchase history of the credit card possessed by the user. For example, a user who has a history of issuing a card through the system 1000 of the present embodiment is called A, B, and C. The user A has never used the card for the last three months, and the user B is If the usage record is steady, but there are three overdue records in the last three months, and user C has more than the standard usage record of the card and there is no overdue history, user A has two additional new cards, and user B has zero. Circuit C, user C can set and limit the number of new card issuances for each user without limitation. At this time, the use performance and the delinquency history can be scored when calculating the number of new issuances by applying different weights, and the above process can be performed regularly to limit the number of new issuances for each user at a certain period. In addition, when the user does not use a predetermined amount of credit cards issued previously, the number of new issuance of the corresponding payment card may be limited.

In addition, the card new issuance limiting unit 250 may check whether the payment card can be issued by interworking with an external credit card screening system such as KCIS (Korea Card Initiation System), and restrict the card issuance according to the verification result. can do. In addition, the card new issuance limiting unit 250 checks the existence of the credit card payment in the purchaser's existing purchase history, and if there is a payment history of the credit card, gives a score at the time of issue so that it can be judged more advantageously.

The payment processing unit 300, a new issuance application is completed (completed up to the issuance application before issuance review) through the product payment method and the card issuance processing unit 200 provided in the online shopping mall, or a new issuance is completed (issuance review Product payment can be proceeded immediately by applying the discounted benefits of the passed payment card). To this end, the payment processing unit 300 may include a payment amount calculator 310, an online shopping mall billing unit 320, and a card company billing unit 330.

The payment amount calculator 310 may calculate a total payment amount for each user (based on a user ID). In this case, the total purchase amount for each user is classified by product, and a billing process may be performed for the amount of payment for each product, and the billing target for applying the discount card may be divided into two types.

More specifically, it may be classified into a first charge amount and a second charge amount, wherein the first charge amount is an amount excluding a discount amount from the total payment amount for a specific product, and is determined by the product settlement method provided by the online shopping mall. Can be claimed accordingly. For example, when the online shopping mall provides a payment method such as mobile phone micropayment, bankbook payment, real time account transfer, etc., the first bill may be charged to the payment company associated with one of these methods. For example, when the purchaser selects a micro payment in a mobile phone, the purchaser may claim the first charge. The second billed amount may correspond to a discounted amount for a specific product. The second charge may be charged to the card company, that is, the card company newly issued by the buyer or the card company owned by the buyer.

For example, as shown in FIG. 13, when the total payment amount of the product called the cleaner is 300,000 won and the card discount is 10%, the amount when the purchaser selects the product payment method through the online shopping mall as a mobile phone payment This amount is 270,000 won and this amount is charged to the mobile payment company through the online shopping mall billing unit 320, and the remaining discounted amount of 30,000 won is the card company of the newly issued payment card through the card company billing unit 330. May be claimed. Accordingly, the online shopping mall receives 270,000 won from the mobile payment company and each receives 30,000 won from the card company, so that the buyer can proceed immediately to issue the card even though he does not currently have a payment card for the product. You can receive discounts immediately even if the application for new issuance has been completed or if the normal issuance is completed through the screening process. You can benefit. The system 1000 of the present exemplary embodiment may obtain revenue according to a predetermined payment fee in the payment request process.

The online shopping mall information providing unit 400 may provide other online shopping mall information through which the card issuing processing unit 200 may provide discount benefits through a payment card with a new issuance application or a payment card with a new issuance. . For example, as shown in FIG. 14, when an item of 'shopping mall / product search' is selected among the items of 'view discount card information', a corresponding online shopping mall where the card is applied as a discount card is searched for the corresponding information. It can be displayed on the pop-up page. At this time, the category information of the related product may be displayed as the detailed items of the online shopping malls A and B, and for example, may be displayed as an icon or the like.

The first discount target product information providing unit 500 may classify the discount target product information to which the discount benefits of the corresponding payment card are applied for each product category by the online shopping mall provided through the online shopping mall information providing unit 400. Can be. For example, as shown in FIG. 15, the current product, namely, 'Women's Shoes' and related affiliated online shopping malls, may be searched for, and product information, that is, discount information applied with a card discount from the online shopping mall, may be displayed on the pop-up page. . More specifically, for the 'women's shoes', the card provides a discount price of 10,000 won in shopping mall A, a discount price of 9,000 won in shopping mall B, and a discount price of 6,000 won in shopping mall C. It can be provided by sorting according to the filter criteria of.

The second discount target product information providing unit 600 receives the product detail information or the product category information as the search information, and the discount target product information to which the discount benefit of the corresponding payment card is applied to the input search information. It may be provided for each online shopping mall provided through the provider 400. For example, if you enter the search term 'women's shoes' in the search box on the pop-up page, you can search for product information that can be discounted by the card you are currently viewing by online shopping malls (A, B) and display it on the pop-up page. Can be. More specifically, for the 'female shoes' to be searched, the card provides a discount price of 10,000 won in shopping mall A, a discount price of 9,000 won in shopping mall B, and a discount price of 6,000 won in shopping mall C. Can be provided by sorting according to predetermined filter criteria.

Here, if the difference between the first and second discount target product information providing unit (500, 600) is described, the first discount target product information providing unit (500) is automatically entered into the product information that you want to purchase currently search based on this In this case, the second discount target product information providing unit 600 searches for discount information related to a card that can receive a discount and a specific product.

Meanwhile, the first discount target product information providing unit 500 and the second discount target product information providing unit 600 operate on one web page until at least one discount target product information is selected and at least one discount is applied. When the target product information is selected, a product purchase page may be newly opened using the link information of the online shopping mall. That is, when the buyer selects various types of information displayed on the pop-up pages shown in FIGS. 14 to 16, all information is input and checked on the pop-up page, and when various linked shopping malls and related product information are selected. , You can move to the shopping mall page.

What has been described above is just one embodiment for implementing an online shopping mall and card company linked payment system according to the present invention, the present invention is not limited to the above embodiment, as claimed in the following claims Without departing from the gist of the present invention, those skilled in the art to which the present invention pertains to the technical spirit of the present invention to the extent that various modifications can be made.

1000: online shopping mall and card company linked payment system
100: payment card information provider
200: card issuing processing unit
210: payment card using information guide
220: payment card application information input unit
230: payment card issue application unit
240: payment card issuance examination department
250: card issuance restrictions
300: payment processing unit
310: payment amount calculation unit
320: online shopping mall billing
330: card company payment billing
400: online shopping mall information provider
500: the first discount target product information provider
600: the second discount target product information provider

Claims (7)

Payment card information providing unit for providing payment card information having a discount of each product when the product payment through the online shopping mall;
A card issuing processing unit for processing a new issuance of a payment card provided through the payment card information providing unit;
A payment processing unit processing a product payment method applied to a product payment method provided by an online shopping mall and a discount benefit of a new payment application is completed or a new issuance is completed through the card issuing processing unit;
An online shopping mall information providing unit providing other online shopping mall information for providing a discount benefit with the payment card provided through the payment card information providing unit;
A first discount target product information providing unit for classifying discount target product information to which discount benefits of a corresponding payment card are applied for each online shopping mall provided through the online shopping mall information providing unit; And
A second discount for receiving product detail information or product category information as search information and providing discount target product information to which the discount benefit of the corresponding payment card is applied to the search information inputted for each online shopping mall provided through the online shopping mall information providing unit; Including the target product information providing unit,
The card issuing processing unit,
Payment card use information guide for guiding the use information of the new payment card to issue;
Payment card application information input unit for receiving the application information of the payment card to be newly issued;
A payment card issuing application unit for inputting personal information of an applicant who issuing a payment card and issuing a personal authentication and issuing a card; And
It includes a payment card issuance review unit for proceeding the card issuance review based on the application information and the personal information,
The payment processing unit,
After the card issuance application is completed through the payment card issuing unit, the product payment processing is applied by applying the discount benefits of the corresponding payment card, but after the product payment processing is completed, the card issuance examination cannot be passed through the payment card issuance review unit. If so, cancel the discount on the payment card.
The first billing amount, excluding the discounted amount, of the total payments for a particular product is charged according to the payment method provided by the online shopping mall, and the card company or the buyer of the card newly requested by the buyer for the second charge including the discounted amount An online shopping mall and card company linked payment system, characterized in that for processing the payment for the total payment amount by billing the card company of the card holding.
delete delete According to claim 1,
The first discount target product information providing unit and the second discount target product information providing unit operate on one web page until at least one discount target product information is selected, and at least one discount target product information is selected. Online shopping mall and card company linked payment system, characterized in that to open a new product purchase page using the link information of the online shopping mall.
delete According to claim 1,
The card issuing processing unit,
Further including a new card issuing restriction for limiting the number of new issuance of payment cards for each user,
The new card issuance restriction section,
Set the number of new issuances for each user according to the usage history and delinquency history of other payment cards issued through the card issuing processing unit in conjunction with the credit card company and credit card screening system, and the purchase history of the credit card possessed by the user. An online shopping mall and card company linked payment system.
According to claim 1,
The payment processing unit,
Payment is made through the product settlement method provided by the online shopping mall, excluding the discounted amount, and the discounted amount is paid to the card company of the payment card where the new issuance application is completed or the new issuance is completed. Online shopping mall and card company linked payment system, characterized in that for billing.

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