KR102220711B1 - An apparatus for recommending payment means for online shopping mall and method thereof and an apparatus for recording payment information - Google Patents

Abstract

A method of recommending a payment method for an online shopping mall performed by a computing device is provided. The method comprises, from the online shopping mall server, following the payment request of the first user of the online shopping mall, the request including information on the personal information of the first user and the request including information on the attribute of the payment request Receive payment information, and recommend payment for the payment request based on the requested user information and the requested payment information, one or more user information included in the user information database, and one or more transaction completion payment information included in the payment information database A method is determined, and information on the recommended payment method is transmitted to the online shopping mall server.

Description

Online shopping mall's payment method recommendation method, payment information storage method, payment method recommendation device, and payment information storage device {AN APPARATUS FOR RECOMMENDING PAYMENT MEANS FOR ONLINE SHOPPING MALL AND METHOD THEREOF AND AN APPARATUS FOR RECORDING PAYMENT INFORMATION}

The present invention relates to a payment method of an online shopping mall, and more particularly, to an apparatus and method for storing payment information related to an online shopping mall and recommending a payment method when a new transaction is requested.

Online e-commerce (for example, online shopping malls), in which transactions are performed online at the user's current location, without visiting a store to purchase goods or services, has been greatly activated. For payment of expenses in online electronic commerce, various types of electronic payment services such as credit card or mobile phone micropayment may be used. These electronic payment services are provided by payment service providers (e.g., card companies, telecommunications companies, etc.), and shopping mall operators that are difficult to directly enter into payment services with such payment service providers are electronic payment agency services or electronic payment agencies. Online payment is performed through services (Payment Gateway, Payment Gateway, PG).

1 is a relationship diagram of an electronic payment system through a payment gateway. As shown in Fig. 1, a shopping mall user 1, that is, a purchaser, accesses the online shopping mall 2 to purchase goods or services. For example, a payment service provider (4), such as a card company that provides a credit card payment service or a telecommunication company that provides a mobile phone micropayment service, provides an electronic payment service for e-commerce, but the online shopping mall (2) It is usually difficult to directly sign a payment service contract with a payment service provider (4). Accordingly, the online shopping mall 2 concludes a payment agency service contract 10 with the payment gateway 3. The payment gateway 3 concludes a payment service contract 20 with the payment service providing company 4. Accordingly, when the shopping mall user 1 requests payment from the online shopping mall 2, the online shopping mall 2 requests approval to the payment gateway 3 and the approval request is transmitted to the payment service providing company 4. If the payment service providing company 4 approves this, the information that the payment has been approved is transmitted to the online shopping mall 2 through the payment gateway 3, and the shopping mall user 1 is finally notified of payment approval.

2 shows the relationship between a shopping mall, a payment gateway, and a payment service provider. As shown in Figure 2, the payment gateways (3-1, 3-2) each conclude a payment service contract 20 with one or more payment service providing companies (4-1, 4-2, 4-3) do. In addition, one or more payment gateways 3-1 and 3-2 exist, but in general, the online shopping mall 2 concludes a payment agency service contract 10 with one payment gateway 3-1.

The majority of each payment gateway (3-1, 3-2) can provide the same payment method (credit card or mobile phone micropayment, etc.), so from the viewpoint of shopping mall users (1), online shopping malls (2) are Whether or not a gateway is used is of little interest. However, for shopping mall users (1), a major concern is whether or not to select which payment method provided by a payment service provider (eg, a card company or a telecommunication company).

3 is an exemplary diagram of a payment method selection screen. When the shopping mall user 1 decides a purchase and attempts to make a payment, as shown in FIG. 3, a payment method selection screen provided by the operator of the payment gateway 3 is displayed on the terminal of the shopping mall user 1. The shopping mall user 1 can select a desired payment method and payment company on the payment page provided by the payment gateway 3 and perform payment.

However, from the viewpoint of the shopping mall user 1, there is an inconvenience of having to repeat the process of “selecting a payment method → selecting a payment company” every time a new purchase is made.

Korean Patent Publication No. 2015-0094580 ("Optimal Payment Method Recommendation System and Optimal Payment Method Recommendation Method", LG U Plus Co., Ltd.)

It is an object of the present invention to solve the above-described problem by recommending an optimal payment method preferred by the user when a shopping mall user attempts a payment, thereby solving the repetitive inconvenience of the user occurring in the payment process of e-commerce. It is to provide a payment method recommendation method and a payment method recommendation device of an online shopping mall.

Another object of the present invention for solving the above-described problem is to enable the collection, storage and analysis of the user's payment method determination pattern so that the online shopping mall user's optimal payment method can be recommended. It is to provide a method for storing payment information and a payment information storage device.

However, the problem to be solved of the present invention is not limited thereto, and may be variously extended without departing from the spirit and scope of the present invention.

According to an embodiment of the present invention for achieving the above object, a method for recommending a payment method of an online shopping mall performed by a computing device is, following a payment request from a first user of the online shopping mall, from the online shopping mall server, Receiving request user information including information on personal information of the first user and requested payment information including information on attributes of the payment request; Determining a recommended payment method for the payment request based on the requested user information and the requested payment information, at least one user information included in a user information database, and at least one transaction completed payment information included in a payment information database; And transmitting information on the recommended payment method to the online shopping mall server.

According to an aspect, the information on the recommended payment method may include payment method information and payment service provider information.

According to an aspect, the requested user information may include at least one of a name, an email address, a contact information, and a date of birth of the first user.

According to an aspect, the one or more user information may each include at least one of a name, an email address, a contact information, and a date of birth of the user, and a hash ID for the user, respectively.

According to an aspect, the requested payment information may include payment environment information on the type of the user terminal for which the payment request was made, and payment amount information on the payment request.

According to an aspect, the one or more transaction completion payment information includes a hash ID for the user who performed the transaction, payment environment information for the type of the user terminal that performed the transaction, information on the payment amount of the transaction, and the payment method used. Each of the information about can be included.

According to one aspect, the step of determining the recommended payment method is in response to a determination that user information corresponding to the requested user information exists among one or more user information included in the user information database, and responds to the requested user information Extracting a hash ID of the user information being used; And determining, as the recommended payment method, a payment method most often included in the hash ID extracted from the one or more transaction completion payment information and the transaction completion payment information corresponding to the requested payment information.

According to an aspect, the determining of the recommended payment method comprises completing the one or more transactions in response to a determination that there is no user information corresponding to the requested user information among one or more user information included in the user information database. It may include the step of determining a payment method included in the transaction completion payment information corresponding to the requested payment information among the payment information as the recommended payment method.

According to an aspect, the online shopping mall server displays a payment progress screen according to the recommended payment method prior to displaying a payment method selection screen on the terminal of the first user in response to receiving information on the recommended payment method. Can be controlled.

According to an aspect, the payment progress screen according to the recommended payment method includes a button for selecting another payment method, and the online shopping mall server comprises the first user in response to the first user selecting the button for selecting the other payment method. 1 You can control the payment method selection screen to be displayed on the user's terminal.

According to an aspect, the user information database includes at least one user information received from a first shopping mall using a first payment gateway (PG) and at least one user received from a second shopping mall using a second PG. Information, and the payment information database includes at least one transaction completed payment information received from a first shopping mall and at least one transaction completed payment information received from a second shopping mall, wherein the first PG and the second PG are At least some of the supported payment methods may be different from each other.

According to an aspect, the determining of the recommended payment method includes further determining a subordinate payment method of the recommended payment method, and transmitting information on the recommended payment method, to the online shopping mall server, the subordinate payment method. In response to a determination that the PG used by the online shopping mall server does not support the recommended payment method, the online shopping mall server further transmits information on the means, and in response to the determination that the PG used by the online shopping mall server does not support the recommended payment method, payment according to the subordinated payment method to the terminal of the first user You can control the progress screen to be displayed.

According to another embodiment of the present invention for solving the above-described problem, a method for storing payment information performed by a computing device includes, from the online shopping mall server, the personal information of the user, following confirmation of the transaction completion of the user of the online shopping mall. Receiving user information including information on and transaction completion payment information including information on attributes of a completed transaction and information on a used payment method; In response to a determination that user information corresponding to the received user information does not exist among one or more user information previously included in the user information database, a hash ID is generated based on the received user information, and the generated hash Adding an ID to the user information database by matching the received user information; Extracting a hash ID of user information corresponding to the received user information in response to a determination that user information corresponding to the received user information exists among one or more user information previously included in a user information database; And adding the generated hash ID or the extracted hash ID to the payment information database by matching the received transaction completion payment information.

According to one aspect, the user information includes the user's name, e-mail, contact information, and date of birth, and at least three of the user's name, e-mail, contact information, and date of birth of the first user information previously included in the user information database. When the received user information matches the user's name, e-mail, contact information, and date of birth, it may be determined that the first user information and the received user information correspond.

According to an aspect, the receiving step includes receiving user information and transaction completion payment information from a first shopping mall using a first payment gateway (PG) and a second shopping mall using a second PG, respectively, At least some of the payment means supported by the first PG and the second PG may be different from each other.

A payment means recommendation device for an online shopping mall according to another embodiment of the present invention for solving the above-described problem, the device includes a processor, a transmission/reception unit, and a memory, and the processor is a payment method of a first user of the online shopping mall. Following the request, receiving request user information including information on personal information of the first user and requested payment information including information on attributes of the payment request from the online shopping mall server using the transmission/reception unit; Recommended payment for the payment request based on the requested user information and the requested payment information, at least one user information included in the user information database of the memory, and at least one transaction completed payment information included in the payment information database of the memory Determine the means; In addition, it may be configured to transmit information on the recommended payment means to the online shopping mall server by using the transmission/reception unit.

According to an aspect, the information on the recommended payment method may include payment method information and payment service provider information.

According to an aspect, the requested user information may include at least one of a name, an email address, a contact information, and a date of birth of the first user.

According to an aspect, the one or more user information may each include at least one of a name, an email address, a contact information, and a date of birth of the user, and a hash ID for the user, respectively.

According to an aspect, the requested payment information may include payment environment information on the type of the user terminal for which the payment request was made, and payment amount information on the payment request.

According to an aspect, the one or more transaction completion payment information includes a hash ID for the user who performed the transaction, payment environment information for the type of the user terminal that performed the transaction, information on the payment amount of the transaction, and the payment method used. Each of the information about can be included.

According to an aspect, determining the recommended payment method corresponds to the requested user information in response to a determination that user information corresponding to the requested user information exists among one or more user information included in the user information database. Extracting a hash ID of user information; And determining, as the recommended payment method, a payment method most often included in the hash ID extracted from the one or more transaction completion payment information and the transaction completion payment information corresponding to the requested payment information.

According to an aspect, determining the recommended payment method comprises, in response to a determination that user information corresponding to the requested user information does not exist among one or more user information included in the user information database, the one or more transaction completion payments Among the information, it may include determining, as the recommended payment method, a payment method most often included in the transaction completion payment information corresponding to the requested payment information.

According to an aspect, the online shopping mall server displays a payment progress screen according to the recommended payment method prior to displaying a payment method selection screen on the terminal of the first user in response to receiving information on the recommended payment method. Can be controlled.

According to an aspect, the payment progress screen according to the recommended payment method includes a button for selecting another payment method, and the online shopping mall server comprises the first user in response to the first user selecting the button for selecting the other payment method. 1 You can control the payment method selection screen to be displayed on the user's terminal.

According to an aspect, the user information database includes at least one user information received from a first shopping mall using a first payment gateway (PG) and at least one user received from a second shopping mall using a second PG. Information, and the payment information database includes at least one transaction completed payment information received from a first shopping mall and at least one transaction completed payment information received from a second shopping mall, wherein the first PG and the second PG are At least some of the supported payment methods may be different from each other.

According to an aspect, determining the recommended payment method further determines a subordinate payment method of the recommended payment method, and transmitting information on the recommended payment method to the online shopping mall server, to the subordinate payment method In response to a determination that the PG used by the online shopping mall server does not support the recommended payment method, the online shopping mall server further transmits information about the payment process according to the subordinate payment method to the terminal of the first user. Can be controlled to be displayed.

According to an aspect, a device for storing payment information performed in an online shopping mall, wherein the device includes a processor, a transmission/reception unit, and a memory, and the processor comprises: the transmission/reception unit following confirmation of transaction completion by a user of the online shopping mall. Receiving, from the online shopping mall server, user information including information on personal information of the user, and transaction completion payment information including information on attributes of a completed transaction and a payment method used; In response to a determination that user information corresponding to the received user information does not exist among one or more user information previously included in the user information database of the memory, a hash ID is generated based on the received user information, and the Correlating the generated hash ID with the received user information to add to the user information database; In response to a determination that user information corresponding to the received user information exists among one or more user information previously included in the user information database of the memory, a hash ID of user information corresponding to the received user information is extracted, and ; In addition, the generated hash ID or the extracted hash ID may be configured to correspond to the received transaction completion payment information to be added to the payment information database of the memory.

According to an aspect, the user information includes a name, an email address, a contact information, and a date of birth of the user, and the processor includes a name, an email address, a contact information, and a first user information of the user of the first user information previously included in the user information database. If three or more of the dates of birth coincide with the name, e-mail, contact information, and date of birth of the user of the received user information, it may be determined that the first user information and the received user information correspond.

According to an aspect, the receiving includes receiving user information and transaction completion payment information, respectively, from a first shopping mall using a first payment gateway (PG) and a second shopping mall using a second PG. And, the first PG and the second PG may have at least some of the supported payment methods different from each other.

In a computer-readable storage medium including instructions executable by a processor according to another embodiment of the present invention for solving the above-described problem, when the instructions are executed by the processor, the processor causes the Subsequent to the payment request of the first user, receiving, from the online shopping mall server, request user information including information on personal information of the first user and requested payment information including information on attributes of the payment request; Determining a recommended payment method for the payment request based on the requested user information and the requested payment information, at least one user information included in the user information database, and at least one transaction completed payment information included in the payment information database; In addition, it may be configured to transmit information on the recommended payment means to the online shopping mall server.

In a computer-readable storage medium including instructions executable by a processor according to another embodiment of the present invention for solving the above-described problem, when the instructions are executed by the processor, the processor causes the Following the confirmation of the user's transaction completion, the online shopping mall server receives user information including information on the user's personal information, and transaction completion payment information including information on the attributes of the completed transaction and the payment method used. and; In response to a determination that user information corresponding to the received user information does not exist among one or more user information previously included in the user information database, a hash ID is generated based on the received user information, and the generated hash Associate the ID with the received user information and add it to the user information database; Extracting a hash ID of user information corresponding to the received user information, in response to a determination that user information corresponding to the received user information exists among one or more user information previously included in a user information database; In addition, the generated hash ID or the extracted hash ID may be configured to correspond to the received transaction completion payment information to be added to a payment information database.

The disclosed technology can have the following effects. However, since it does not mean that a specific embodiment should include all of the following effects or only the following effects, it should not be understood that the scope of the rights of the disclosed technology is limited thereby.

According to the method and payment information storage device for storing payment information in an online shopping mall according to an embodiment of the present invention described above, a user's payment method determination pattern is collected and stored based on the payment information in which the transaction in the online shopping mall is completed. And analysis. In addition, it is possible to receive and store payment information from different shopping malls, respectively associated with different payment gateways, and categorize them by the same user to store vast amounts of payment information for specific users, thereby improving the satisfaction of recommending payment methods for specific users. have.

On the other hand, according to the payment method recommendation method and payment method recommendation device of an online shopping mall according to an embodiment of the present invention described above, when a shopping mall user attempts a payment, an electronic commerce payment is made by recommending an optimal payment method preferred by the user In the process, the inconvenience of users having to repeatedly select a payment method and payment company can be eliminated.

1 is a conceptual diagram of an electronic payment system through a payment gateway.
2 shows the relationship between a shopping mall, a payment gateway, and a payment service provider.
3 is an exemplary diagram of a payment method selection screen.
4 is a block diagram of an electronic payment system capable of performing a process of storing payment information and recommending a payment method according to an embodiment of the present invention.
5 is an example of user conditions of the electronic payment system of FIG. 4.
6 is an exemplary diagram of a payment method determination pattern of a shopping mall user of FIG. 4.
7 is an exemplary diagram of a user information table according to an embodiment of the present invention.
8 is an exemplary diagram of a payment information table according to an embodiment of the present invention.
9 shows an information flow related to storage of payment information according to an embodiment of the present invention.
10 is a flowchart of a method of storing payment information according to an embodiment of the present invention.
11 is an exemplary diagram of storing payment information for a new user.
12 is an exemplary diagram of storage of payment information for a conventional user.
13 shows a flow of information related to payment method recommendation according to an embodiment of the present invention.
14 is a flowchart of a method for recommending a payment method according to an embodiment of the present invention.
15 is an exemplary diagram of transaction completion payment information included in a payment information database.
16 shows a payment screen sequentially displayed according to a conventional electronic payment process.
17 shows a payment screen to which a method of recommending a payment method according to an embodiment of the present invention is applied.
18 is a block diagram illustrating a configuration of a computing device capable of operating as a payment information storage device and/or a payment method recommendation device according to an embodiment of the present invention.

In the present invention, various modifications may be made and various embodiments may be provided, and specific embodiments will be illustrated in the drawings and described in detail.

However, this is not intended to limit the present invention to a specific embodiment, it should be understood to include all changes, equivalents, and substitutes included in the spirit and scope of the present invention.

Terms such as first and second may be used to describe various elements, but the elements should not be limited by the terms. The above terms are used only for the purpose of distinguishing one component from another component. For example, without departing from the scope of the present invention, a first element may be referred to as a second element, and similarly, a second element may be referred to as a first element. The term and/or includes a combination of a plurality of related listed items or any of a plurality of related listed items.

When a component is referred to as being "connected" or "connected" to another component, it is understood that it may be directly connected or connected to the other component, but other components may exist in the middle. It should be. On the other hand, when a component is referred to as being "directly connected" or "directly connected" to another component, it should be understood that there is no other component in the middle.

The terms used in the present application are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In the present application, terms such as "comprise" or "have" are intended to designate the presence of features, numbers, steps, actions, components, parts, or combinations thereof described in the specification, but one or more other features. It is to be understood that the presence or addition of elements or numbers, steps, actions, components, parts, or combinations thereof does not preclude in advance.

Unless otherwise defined, all terms used herein including technical or scientific terms have the same meaning as commonly understood by one of ordinary skill in the art to which the present invention belongs. Terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with the meaning in the context of the related technology, and should not be interpreted as an ideal or excessively formal meaning unless explicitly defined in the present application. Does not.

Hereinafter, preferred embodiments of the present invention will be described in more detail with reference to the accompanying drawings. In describing the present invention, in order to facilitate an overall understanding, the same reference numerals are used for the same elements in the drawings, and duplicate descriptions for the same elements are omitted.

1 to 3, in the conventional electronic payment system, when a shopping mall user 1 decides to purchase and attempts to pay, the payment method selection screen provided by the operator of the payment gateway 3 is displayed in the shopping mall. Displayed on the terminal of the user 1, the shopping mall user 1 can select a desired payment method and payment company on the payment page provided by the payment gateway 3 and perform payment. However, from the viewpoint of the shopping mall user 1, there is an inconvenience of having to repeat the process of “selecting a payment method → selecting a payment company” every time a new purchase is made.

In relation to this, if the online shopping mall user analyzes the pattern of determining the payment method, the above process is omitted by omitting the process of “selecting a payment method → selecting a payment company” and displaying the user's preferred payment method first. It can eliminate the hassle of repeating each payment.

A method and apparatus for storing payment information in an online shopping mall and recommending a payment method in an online shopping mall according to an embodiment of the present invention is to solve this problem. By recommending a payment method, it is possible to eliminate repetitive inconveniences of users during the payment process of electronic commerce. In addition, it is possible to collect, store, and analyze the user's payment method determination pattern so that the online shopping mall user's optimal payment method can be recommended.

That is, according to an embodiment of the present invention, after collecting, storing, and analyzing the user's payment method determination pattern, the optimal payment method is recommended when the user attempts to pay, thereby reducing the repeated inconvenience of the user that occurs in the payment process. It can be solved.

Hereinafter, a method and apparatus for storing payment information and recommending a payment method according to an embodiment of the present invention will be described in more detail.

Online electronic payment system

FIG. 4 is a block diagram of an electronic payment system in which a process for storing payment information and recommending a payment method according to an embodiment of the present invention is performed, and FIG. 5 is an example of user conditions of the electronic payment system of FIG. 4. As shown in Fig. 4, the electronic payment system in which online electronic commerce is performed is a terminal of a shopping mall user 401, a server of an online shopping mall 402, a payment gateway 403, a server of an operator, and a payment service provider 404. Can be performed by the server of.

The shopping mall user 401 uses at least one of any terminal capable of accessing a communication network, such as a fixed computer such as a PC, a mobile computer such as a notebook and a laptop, and a smart device such as a smart phone and a tablet PC. ) You can access the service.

An operator of the online shopping mall 402 may operate an online shopping mall based on the online shopping mall server, and the user 401 may use a plurality of online shopping malls 402-1, 402-2, and 402-3. Here, the server of the online shopping mall may be understood not only as a hardware concept, but also as a software module that manages the operation of individual online shopping malls. That is, the online shopping mall (402-1) server, the online shopping mall (402-2) server, and the online shopping mall (402-3) server may be operated by the same hardware server device, respectively, to be operated on different hardware server devices separately. May be.

One or more payment gateways 403-1 and 403-2 may exist. The shopping mall 402 generally performs electronic payment using one payment gateway, so that the shopping mall 402-1 is a first payment gateway 403-1, and the shopping mall 402-2 is a first payment gateway ( 403-1), and the shopping mall 402-3 may be configured to use the second payment gateway 403-2.

In addition, the first payment gateway 403-1 and the second payment gateway 403-2 contract with a plurality of payment service providing companies, respectively, and the first payment company server 404-1 and the second payment company Information can be transmitted and received with the server 404-2 and the third payment company server 404-3, respectively.

Here, as shown in FIG. 5, the user 401 may use different IDs in a plurality of shopping malls, respectively. That is, as shown in FIG. 5, for each of the shopping malls 510 of "aaa.com", "bbb.com", and "ccc.com", the user's name 520 is the same as "Hong Gil-dong" , User IDs 530 for each shopping mall may use "user01", "user02" and "user03".

Under such user conditions, the user may have a specific payment method determination pattern according to the attribute of payment concluded in the shopping mall. 6 is an exemplary diagram of a payment method determination pattern of a shopping mall user of FIG. 4. As exemplarily illustrated in FIG. 6, a user named “Hong Gil-dong” may have a payment method determination pattern using different payment means 630 according to the payment environment 610 and the payment amount 620. The payment environment 610 may indicate, for example, a type of user terminal on which an electronic payment request is performed. According to an aspect, the payment method 630 may include information on a payment method 640 and a payment service providing company. For example, the payment method 640 may use either a mobile phone micropayment or a credit card payment, and thus, "communication company 1" of the information on the payment method 630 refers to a first mobile phone provider that provides micropayment. "Use" may be indicated, and "card company 1" may indicate "use of a first card company that provides credit card payment".

Referring back to FIG. 6, the first payment pattern of "Hong Gil-dong" is to use a first mobile phone carrier that provides micro-payment when paying for an amount less than 10,000 won in a mobile payment environment, and the second payment pattern is 'Use the first credit card company that provides credit card payment when paying an amount of 10,000 won or more in a mobile payment environment', and the third payment pattern is'small payment by mobile phone when paying an amount less than 10,000 won in a PC environment. The first telecommunication company to be provided is used, and the fourth payment pattern may be to use a second card company that provides credit card payment when paying an amount of 10,000 won or more in a PC payment environment.

The payment method determination pattern of "Kil-Dong Hong" may be stored in a pattern analysis database. 7 is an exemplary diagram of a user information table according to an embodiment of the present invention, and FIG. 8 is an exemplary diagram of a payment information table according to an exemplary embodiment of the present invention.

Information on personal matters of "Hong Gil-dong" in relation to the payment method determination pattern of "Hong Gil-dong" may be stored in the user information database, and as shown in FIG. 7, the user information is in the form of a user information table (user_info). Can be saved. The user information table includes at least one of the index 710, user ID 720, user name 730, user email 740, user contact information 750, user date of birth (760), and hash ID (770) of the information. It may include. The index 710 represents the order of the user information in the user information database. Here, the user ID 720 may be different for each shopping mall, as in the previous Salpin bar, so in order to identify the user, among the user name 730, the user email 740, the user contact information 750, and the user's date of birth (760). At least one may be used, and the hash ID 770 based on at least one of the user name 730, the user email 740, the user contact 750, and the user's date of birth 760, for example, a timestamp value. Can be created and stored together in the user information table.

Regarding the payment method determination pattern of "Kil-Dong Hong", information on the attribute of the completed electronic transaction may be stored in the payment information database, and as shown in FIG. 8, the information on the attribute of the completed electronic transaction is the transaction completion settlement. It can be stored in the form of an information table (user_habit). The transaction completed payment information table may include at least one of an index of corresponding information 810, a user's hash ID 820, a payment environment 830, a payment amount 840, and a payment method 850. The index 810 represents the order of the transaction completion payment information in the payment information database. Since different user IDs may be used in each of the plurality of shopping malls, the transaction completion payment information includes at least one of the user name 730, the user email 740, the user contact information 750, and the user's date of birth 760, for example. It may be stored in correspondence with the hash ID 820 generated based on the timestamp value.

Therefore, in relation to the electronic transaction completed by the user 401 in one or more shopping malls (402-1, 402-2, 402-3), the user information including information on the personal information of the user 401 and the above Payment information including information on attributes related to the completed electronic transaction may be transmitted to the computing device 100 as illustrated in FIG. 4. The computing device 100 stores the received user information and payment information in the user information database and the payment information database, respectively, and when a new electronic payment request is made by the user 401, the information of the user 401 and the new payment request By comparing and analyzing the information on the attribute with the information stored in the database, it is possible to recommend the optimal payment method information to the user 401. That is, the computing device 100 may perform a method of storing payment information and/or a method of recommending a payment method of an online shopping mall according to an embodiment of the present invention, and the payment information storage device and/or a method according to an embodiment of the present invention. Alternatively, it may be operated as a payment means recommendation device.

Save payment information

According to an embodiment of the present invention, information about a user's payment method determination pattern in an online shopping mall may be stored. 9 shows an information flow related to storage of payment information according to an embodiment of the present invention. Referring to FIG. 9, a process in which an online shopping mall user 401 purchases a product or service from the online shopping mall 402 and completes an electronic payment for a corresponding transaction is illustrated. For the transaction, the shopping mall user 401 first logs in to the shopping mall 402 server (step 905) and transmits a payment request to the shopping mall 402 server for the selected product or service (step 910). When the shopping mall server 402 transmits the payment request to the payment gateway 403, the payment gateway 403 may respond to the payment request, and according to one aspect, the payment gateway 403 supports a list of payment methods. The information about the shopping mall may be transmitted to the user terminal (step 920) via the shopping mall server (step 920) or directly to the user terminal. A payment window is displayed on the terminal of the user 401 (step 930), and a payment method recommended according to an embodiment of the present invention is used or a payment method based on the selection of the user 401 is used to request approval for payment. Can (step 935). The approval request is transmitted to the payment gateway (step 940) through the shopping mall server (step 935) or directly transferred to the payment gateway, and the payment gateway sends the approval request to the server of the payment service provider 404 contracted with the payment gateway. Deliver. When payment approval is completed according to the service provision of the payment service provider, information indicating that the transaction has been approved is transmitted to the payment gateway (step 950), and the payment gateway passes through the shopping mall server (step 955) to the user terminal. (Step 960), or directly transmits approval instruction information to the user terminal. The user can confirm the transaction completion based on the information displayed on the user terminal (step 965), and transmit the confirmation of the transaction completion to the shopping mall 402 server (step 970).

That is, when the user finally confirms the payment, the shopping mall 402 server may recognize that the electronic transaction has been completed, and according to an embodiment, the shopping mall 402 server may store information to be transmitted to the computing device 100. The information to be transmitted may include user information including personal information of a user related to the completed transaction and/or transaction completion payment information including information on attributes of the completed transaction and payment method used. Here, a separate table to store information to be transmitted to the computing device 100 is not necessarily required. Thereafter, the shopping mall server 402 may transmit user information and transaction completion payment information to the computing device 100 (step 975).

According to an aspect, the user information may include at least one of ID, name, email, contact information, and date of birth, and may each include exemplary information as follows.

→'user01','Hong Gil-dong','gd@kkk.com', '01012345678', '19901224'

In addition, according to an aspect, the transaction completion payment information may include at least one of a payment environment, a payment amount, and a payment method, and may each include exemplary information as follows.

→'mobile', '9000','communicator 1'

According to one aspect, the computing device 100 stores the information received from the shopping mall 402 server in the user information table (user_info) of the user information database, and stores the transaction completed payment information in the transaction completed payment information table ( user_habit). In connection, FIG. 10 is a flowchart of a method of storing payment information according to an embodiment of the present invention. Hereinafter, a method of storing payment information according to an embodiment of the present invention will be described in more detail with reference to FIG. 10.

9 and 10, the computing device 100, following the confirmation of the transaction completion of the user 401 of the online shopping mall, from the online shopping mall server 402, user information and transactions related to the completed electronic transaction. Completion payment information is received (step 1010). The user information may include information on the personal information of the user of the online shopping mall, and, as described above, may include at least one of, for example, the user's name, e-mail, contact information, and date of birth. The transaction completion payment information may include information on the properties of the completed transaction and the payment method used, and as described above, for example, payment environment information on the type of user terminal that performed the transaction, and payment amount information of the transaction. And information on the used payment method.

According to an aspect, user information and information on a payment method may be received from the shopping mall as a unit without separate classification. In this case, the computing device 100 may first separate user information (eg, name, email, contact information, date of birth) from the information received from the shopping mall (step 1020).

Thereafter, based on the received user information or separated user information, it is possible to determine whether there is user information corresponding to the received user information or separated user information among one or more user information already included in the user information database. Yes (step 1030). That is, it is possible to determine whether the received information is information about a new user or information about an existing user.

Membership registration for each online shopping mall is required to order products and make payments, and when signing up for membership on the premise of online transactions, personal information such as member name, email, contact information (phone number), and date of birth Provide information. Accordingly, according to one aspect, the user information may include the user's name, email, contact information, and date of birth, respectively, and the name, email, contact information and date of birth of the user of the first user information already included in the user information database If three or more of the received or separated user information correspond to the user's name, e-mail, contact information, and date of birth, respectively, it may be determined that the first user information and the received user information correspond. The number of matching detailed items for determining whether to respond may vary according to setting the sensitivity of the correspondence.

Here, the user ID used in each shopping mall may be different as user1, user2, user3, etc., as described based on FIG. 4, so that the user ID used in each shopping mall is included in the received or separated user information. Even in the case, in determining whether to be an existing user or a new user, at least one of personal information other than the user ID (eg, name, email, contact information, and date of birth) may be used.

Thereafter, the computing device 100, in response to the determination that the received user information or the user information corresponding to the separated user information among one or more user information previously included in the user information database does not exist, the received or separated A hash ID may be generated based on the generated user information (step 1050), and the generated hash ID may be associated with the received user information or separated user information to be added to the user information database (step 1060).

The fact that the corresponding user information does not exist among the user information already included in the user information database means that the information received from the online shopping mall 402 relates to a new user, and it can be considered that the information on the user was provided for the first time. have. For new users, a hash ID can be generated based on personal information included in the user information. According to one aspect, after extracting the hash (HASH) with {(member name, email, contact (phone number), date of birth) + (Timestamp)}, this hash value can be used as the hash ID (hashId) for the user. . As described above, since the user ID on the online shopping mall may be different for each shopping mall, it may not be used to generate a hash ID that can identify each user.

When the generation of the hash ID for the new user is completed, the generated hash ID and the received user information or separated user information may be correlated and added to the user information database (step 1060). Accordingly, the user information that is received when the new user completes the next transaction includes user information corresponding to the user database. For example, the addition of the hash ID and user information to the database can be performed by the following command.

INSERT INTO'user_info'

('userId','userName','email','phone','birthday','hashId')

VALUES ('user01','Hong Gil-dong','gd@kkk.com', '01012345678', '19901224', '12ab3x');

Accordingly, the received or separated user information is assigned a new index from the user information table of FIG. 7 and is respectively in the fields of'ID','Name','E-mail','Contact','Birthday', and'Hash ID'. It may be added as user information having values of'user01','Kildong Hong','gd@kkk.com', '01012345678', '19901224', and '12ab3x'.

Meanwhile, referring again to FIG. 10, the computing device 100 is received or separated in response to a determination that user information corresponding to the received or separated user information exists among one or more user information already included in the user information database. The hash ID of the user information corresponding to the user information can be extracted (step 1040). That is, the fact that the corresponding user information is already included in the user information database means that the data received from the shopping mall is for an existing user, and a hash ID has already been created for the existing user, so the user already included in the user information database The hash ID for can be extracted and used.

When the generated or extracted hash ID is prepared according to whether the corresponding user information exists in the database, the computing device 100 associates the generated hash ID or the extracted hash ID with the transaction completion payment information received from the shopping mall. It can be added to the payment information database (step 1070). Accordingly, transaction completion payment information related to an electronic transaction performed by a specific user in a plurality of shopping malls may be integrated and stored for each user in the payment information database. For example, the addition of the hash ID and transaction completion payment information to the transaction information database may be performed by the following command.

INSERT INTO'user_habit'

('hashId','device','amount','method')

VALUES('12ab3x','mobile','9000','communicator 1');

Accordingly, the transaction completed payment information received from the shopping mall is assigned a new index from the transaction completed payment information table of FIG. 8, and is'Hash ID','Payment Environment','Payment Amount', and'Payment Method' fields respectively. It may be added as transaction completion payment information having values of 12ab3x','mobile', '9000', and'communicator 1'.

In relation to this, as described above based on FIG. 4, one shopping mall may use one payment gateway and different shopping malls may use different payment gateways. For example, the step of receiving information (step 1010) includes user information and transaction completion payment information from a first shopping mall using a first payment gateway (PG) and a second shopping mall using a second PG, respectively. Can be received. According to an embodiment of the present invention, user information and transaction completion payment information are received from a plurality of shopping malls using a plurality of payment gateways, and a hash ID is generated based on the user's personal information, excluding different user IDs for each shopping mall. Since the generated data is classified and stored, it is possible to obtain a vast amount of payment information for the same user in a plurality of shopping malls, and the satisfaction level of recommendation based on this can be improved.

According to an aspect, at least some of the payment means supported by the first PG and the second PG may be different from each other. That is, at least one of the payment methods supported by the first PG may not be supported by the first PG, or at least one of the payment methods supported by the second PG may not be supported by the first PG. Accordingly, according to an embodiment of the present invention, information on a payment method determination pattern of a shopping mall user may be stored for more payment methods supported by a plurality of PGs.

11 is an exemplary diagram of storing payment information for a new user. Referring to FIG. 11, in the storage of payment information according to an embodiment of the present invention, a case in which user information corresponding to the user information database does not exist will be exemplarily described.

As shown in FIG. 11, when data including user information and transaction completion payment information are transmitted from the shopping mall to the computing device 100 (step 1110), the computing device 100 receives user information ( Name, email, contact information, date of birth) can be separated (step 1120). Based on at least one of the separated name, e-mail, contact information, and date of birth, it is checked whether user information matching the separated user information exists in the user information table (user_info) of the user information database (step 1130). . Here, if there is no matching user information, a hash value may be generated based on the separated user information (step 1140). Thereafter, the separated user information and the hash ID generated in step 1140 are added to the user information table (user_info) of the user information database (step 1150). Thereafter, the transaction completed payment information (payment environment, payment method, payment amount) from the information received from the shopping mall is separated (step 1160), and the transaction completed payment information separated in the transaction completed payment information table (user_habit) of the payment information database The hash ID generated in step 1140 is added (step 1170).

12 is an exemplary diagram of storage of payment information for a conventional user. Referring to FIG. 12, in the storage of payment information according to an embodiment of the present invention, a case in which user information corresponding to a user information database exists will be exemplarily described.

As shown in FIG. 12, when data including user information and transaction completion payment information are transmitted from the shopping mall to the computing device 100 (step 1210), the computing device 100 receives user information ( Name, email, contact information, date of birth) can be separated (step 1220). Based on at least one of the separated name, e-mail, contact information, and date of birth, it is checked whether user information matching the separated user information exists in the user information table (user_info) of the user information database (step 1230). . Here, if there is matching user information, a hash ID included in the matching user information is extracted (step 1240). Thereafter, the transaction completed payment information (payment environment, payment method, payment amount) among the information received from the shopping mall is separated (step 1250), and the transaction completed payment information separated in the transaction completed payment information table (user_habit) of the payment information database The hash ID extracted in step 1240 is added (step 1260).

18 is a block diagram illustrating a configuration of a computing device capable of operating as a payment information storage device according to an embodiment of the present invention. As shown in FIG. 18, the computing device 100 according to an embodiment of the present invention may operate as a device that stores payment information performed in an online shopping mall, and the computing device 100 is a processor 110 , A transceiver 120 and a memory 130 may be included.

The processor 110, following the confirmation of the transaction completion of the user of the online shopping mall, from the online shopping mall server 402 using the transmission/reception unit 120, user information including information on the personal information of the user 401 and , It may be configured to receive transaction completion payment information including information on the properties of the completed transaction and the payment method used.

In addition, the processor 110, in response to the determination that the user information corresponding to the received user information among the one or more user information pre-included in the user information database 131 of the memory 130 does not exist, the received user It may be configured to generate a hash ID based on the information, and add the generated hash ID to the user information database 131 by matching the received user information. In addition, the processor 110, in response to a determination that user information corresponding to the received user information among one or more user information previously included in the user information database 131 of the memory 130 exists, the received user information It may be configured to extract a hash ID of user information corresponding to.

Furthermore, the processor 110 may be configured to add the generated hash ID or the extracted hash ID to the payment information database 133 of the memory 130 by matching the transaction completed payment information received from the shopping mall 402. have.

Here, in FIG. 18, the user information database 131 and the payment information database 133 are shown to be formed in the memory 130 included in the computing device 100, but the user information database 131 and the payment information database ( 133 may be formed in a storage device separately provided in a short distance or a remote distance of the computing device 100 and configured to perform data transmission/reception using the transmission/reception unit 120 of the computing device 100.

Meanwhile, the computing device 100 may be configured to implement specific technical features of the payment information storage process according to an embodiment of the present invention described above under the control of the process 110.

Recommend payment method

According to an embodiment of the present invention, a payment method for a new transaction in an online shopping mall may be recommended based on information about a user's conventional payment method determination pattern in an online shopping mall. 13 shows a flow of information related to payment method recommendation according to an embodiment of the present invention. Referring to FIG. 13, until the time when the online shopping mall user 401 performs a payment request for purchasing an item or service in the online shopping mall 402, and a payment window for processing payment is displayed on the user's 401 terminal. The process of is shown. For the transaction, the shopping mall user 401 first logs in to the shopping mall 402 server (step 1305) and transmits a payment request to the shopping mall 402 server for the selected product or service (step 1310). When the shopping mall server 402 forwards the payment request to the payment gateway 403 (step 1315), the payment gateway 403 may respond to the payment request (step 1320). According to an exemplary aspect, transmitting information on a list of payment methods supported by the payment gateway 403 to a shopping mall server may be regarded as a response to a payment request. On the other hand, according to an embodiment of the present invention, the server of the shopping mall 402 that received the response from the payment gateway 403, prior to instructing the user 401 to output a payment window to the terminal, the computing device 100 As such, requesting user information related to the personal information of the user who requested the payment and requested payment information related to the property of the payment request may be transmitted (step 1325). According to an aspect, the requesting user information may include at least one of ID, name, email, contact information, and date of birth, and may each include exemplary information as follows.

→'user01','Hong Gil-dong','gd@kkk.com', '01012345678', '19901224'

Further, according to an aspect, the requested payment information may include at least one of a payment environment and a payment amount, and may each include exemplary information as follows.

→'mobile', '9000'

In other words, the requested payment information is not payment information for a completed transaction, but is information on the property of a payment request for entering into an electronic transaction, and does not include information on a payment method used unlike the transaction completed payment information.

Referring back to FIG. 13, the computing device 100 is based on the received requested user information and requested payment information, one or more user information included in the user information database, and one or more transaction completed payment information included in the payment information database. It is possible to determine a recommended payment method for the payment request of the user 401 (step 1330). When the recommended payment method is determined, the computing device 100 transmits information on the recommended payment method to the shopping mall server 402 (step 1335). The shopping mall 402 server transmits information on the recommended payment method from the computing device 100 and/or a list of supportable payment methods from the payment gateway 403 to the user terminal 401 (step 1340), and In 401, the payment window by the recommended payment method may be displayed (step 1345).

According to one aspect, the computing device 100 stores information related to the payment request received from the shopping mall 402 server in the user information table (user_info) of the user information database and the transaction completion payment information table (user_habit) of the payment information database. Compared with the information, the user 401 and/or the payment method most suitable for the payment request can be determined and recommended. In connection, FIG. 14 is a flowchart of a method for recommending a payment method according to an embodiment of the present invention. Hereinafter, a method for recommending a payment method according to an embodiment of the present invention will be described in more detail with reference to FIG. 14.

13 and 14, the computing device 100, following the payment request of the first user 401 of the online shopping mall, from the online shopping mall server 402, requesting user information related to the first user. And receiving the requested payment information (step 1410). The requested user information may include information on the personal information of the first user 401, and as described above, for example, may include at least one of the first user's name, email, contact information, and date of birth. . The requested payment information may include information on a transaction for which payment is requested by the first user 401 and/or a property of a payment request, and as described above, for example, of the user terminal for which the payment request has been performed. It may include payment environment information for the type and payment amount information of the payment request.

According to an aspect, the requested user information and the requested payment information may be received from the shopping mall as a unit without separate classification. In this case, the computing device 100 may first separate the requested user information (eg, name, email, contact number, date of birth) from the information received from the shopping mall (step 1420).

Thereafter, based on the received request user information or separated request user information, whether there is user information corresponding to the received request user information or separated request user information among one or more user information already included in the user information database. Whether or not it can be determined (step 1430). That is, it is possible to determine whether the received information on the payment request relates to a user with existing data or a new user.

As noted above, the at least one user information included in the user information database may include at least one of a name, an email address, a contact information, and a date of birth for each user, and a hash ID for each user. Thus, for example, three or more of the name, email, contact information and date of birth of the user of the first user information already included in the user information database are the name, email, contact information and date of birth of the user of the received or separated request user information. If they match respectively, it may be determined that the first user information and the received request user information correspond. The number of matching detailed items for determining whether to respond may vary according to setting the sensitivity of the correspondence.

Thereafter, the computing device 100 includes the requested user information and the requested payment information received from the server of the shopping mall 402 and, for example, one included in the user information database existing on the memory 130 of the computing device 100. A recommended payment method that is most suitable for the payment request of the first user 401 may be determined based on the above user information and one or more transaction completion payment information included in the payment information database.

In relation to the above, as shown above, the one or more transaction completion payment information included in the payment information database includes a hash ID for a user who performed a completed transaction, payment environment information on the type of a user terminal that performed the completed transaction, and the It may include information on the payment amount of the completed transaction and information on the payment method used, respectively. 15 is an exemplary diagram of transaction completion payment information included in a payment information database. As shown in FIG. 15, a plurality of transaction completion payment information 1510, 1520, 1530, 1540, 1550, 1560 having the same hash ID "12ab3x" may be included in the payment information database.

More specifically, for determining the recommended payment method, according to one aspect, the computing device 100 responds to a determination that user information corresponding to the requested user information exists among one or more user information included in the user information database. , Extracting the hash ID of the user information corresponding to the requested user information (step 1440), and the hash ID extracted from among one or more transaction completion payment information included in the payment information database and the requested payment information received from the shopping mall 402. The payment method most often included in the corresponding transaction completion payment information may be determined as the recommended payment method (step 1450).

The fact that the user information corresponding to the requested user information is included in the user information database means that information on the payment method determination pattern of the first user who requested payment 401 exists in the payment information database, and is included in the payment information database. Since each of the user information includes a hash ID, only the transaction completion payment information including the extracted hash ID is used as a data set for determining recommendation information, so that the recommendation payment is more optimized for the first user 401. You can let them decide the means.

Among the transaction completed payment information for the first user 401 including the extracted hash ID, the requested payment information received from the shopping mall 402 and the corresponding transaction completed payment information are extracted, and the extracted transaction completed payment information The payment method included in the most can be determined as the recommended payment method. For example, since the requested payment information includes a payment environment and/or a payment amount, transaction completion payment information having the same payment environment information as the payment environment (eg, mobile or PC) included in the requested payment information is extracted, and , Transaction with the same payment level as the level of the payment amount included in the requested payment information (e.g., if the payment amount included in the requested payment information is 7,700 KRW, it is divided into a level less than 10,000 KRW and a level of 10,000 KRW or more) Completion payment information can be extracted.

For example, the determination of the recommended payment method may be performed by the following command.

select `method`, count(*) as Cnt from `user_habit` where `hashId`='12ab3x' and (`device`='mobile' and `amount`> 10000) group by `method` order by Cnt desc limit 0 ,One;

Therefore, when `hashId`='12ab3x' is less than '10,000 won' in the'mobile' environment, the most selected payment method can be determined as the recommended payment method, and based on the exemplary payment information database of FIG. 15 When doing so, "card company 1" counted twice may be determined as a recommended payment method.

In addition, according to an aspect, in response to a determination that the user information corresponding to the requested user information does not exist among the one or more user information included in the user information database, the request for the one or more transaction completion payment information The payment method included most in the transaction completion payment information corresponding to the payment information may be determined as the recommended payment method (step 1460).

The fact that the corresponding user information does not exist among the user information already included in the user information database means that the information received from the online shopping mall 402 relates to a new user, and it can be considered that the information on the user was provided for the first time. have. For new users, since the payment method determination pattern for the user is not stored, information on the user's transaction pattern is not reflected, and only the requested payment information (e.g., payment environment and/or payment amount) is considered. You can also decide on a payment method.

For example, the recommended payment method may be performed by the following command.

select `method`, count(*) as Cnt from `user_habit` where `device`='mobile' and `amount`> 10000 group by `method` order by Cnt desc limit 0,1;

Therefore, in the'mobile' environment, when the payment amount is less than '10,000 won', the most selected payment method can be determined as the recommended payment method, and the "card company counted twice" based on the exemplary payment information database of FIG. 15 1" may be determined as the recommended payment method. Unlike FIG. 15, when transaction completion payment information having a different hash ID is included in the payment information database, the recommended payment method may vary depending on whether the corresponding user information of the requesting user information exists. Here, the information on the recommended payment method may include payment method information and payment service provider information.

Referring back to FIG. 14, the computing device 100 transmits information on the determined recommended payment method to the online shopping mall server 402 (step 1470).

Meanwhile, referring to FIG. 13 again, the online shopping mall server 402 recommends prior to displaying the payment method selection screen on the terminal of the first user 1340 in response to receiving information on the recommended payment method (step 1335). It is possible to control to display a payment progress screen according to the payment method (step 1345). In relation to this, FIG. 16 shows a payment screen sequentially displayed according to a conventional electronic payment process, and FIG. 17 shows a payment screen to which a payment method recommendation method according to an embodiment of the present invention is applied. As shown in FIG. 16, in the case of following the conventional electronic payment process, (a) the terms and conditions agreement page, (b) the card list page to be selected, and (c) the card selection in the card selection page (d) the payment page. Can be output. However, according to an embodiment of the present invention, it is possible to output a payment page to the user terminal as shown in FIG. 17 through only the agreement agreement page.

On the other hand, as shown in Fig. 17, the payment progress screen 1710 according to the recommended payment method according to an embodiment of the present invention includes another payment method selection button 1720, and the online shopping mall 402 server , In response to the first user 401 selecting another payment method selection button, a payment method selection screen may be displayed on the terminal of the first user 401. Therefore, it is possible to allow the first user 401 to determine the payment method differently from the conventional pattern.

According to an aspect, as described above with reference to FIG. 4, the user information database includes one or more user information received from a first shopping mall using a first payment gateway (PG) and a second PG using a second PG. 2 It may include one or more user information received from the shopping mall, and the payment information database may include one or more transaction completed payment information received from the first shopping mall and one or more transaction completed payment information received from the second shopping mall. have. Here, at least some of the payment means supported by the first PG and the second PG may be different from each other. In relation to the step of determining the recommended payment method (step 1450 or step 1460), further determining a subordinate payment method of the recommended payment method, and transmitting information on the recommended payment method (step 1470), the The online shopping mall server may further transmit information on the subordinated payment method.

Subsequently, in response to the determination that the PG used by the online shopping mall server does not support the first priority payment method, the online shopping mall server 402 controls to display a payment progress screen according to the subordinate payment method on the first user's terminal. May be. Accordingly, while determining a payment method using information from a plurality of payment gateways, it is possible to not recommend a payment method that is not supported by a payment gateway used by a specific shopping mall.

18 is a block diagram illustrating a configuration of a computing device capable of operating as a payment method recommendation apparatus according to an embodiment of the present invention. As shown in FIG. 18, the computing device 100 according to an embodiment of the present invention may operate as a device for recommending a payment method in an online shopping mall, and the computing device 100 includes a processor 110, It may include a transceiver 120 and a memory 130.

The processor 110, following the payment request of the first user of the online shopping mall, from the online shopping mall server using the transmission/reception unit 120, requesting user information including information on the personal information of the first user, and It may be configured to receive requested payment information including information on the property of the payment request.

In addition, the processor 110, the requested user information and the requested payment information received from the online shopping mall, one or more user information included in the user information database 131 of the memory 130 and payment information of the memory 130 It may be configured to determine a recommended payment method for a payment request based on one or more transaction completion payment information included in the database 132.

Further, the processor 110 may be configured to transmit information on the recommended payment means to the online shopping mall server 402 by using the transmission/reception unit 120.

Here, in FIG. 18, the user information database 131 and the payment information database 133 are shown to be formed in the memory 130 included in the computing device 100, but the user information database 131 and the payment information database ( 133 may be formed in a storage device separately provided in a short distance or a remote distance of the computing device 100 and configured to perform data transmission/reception using the transmission/reception unit 120 of the computing device 100.

Meanwhile, the computing device 100 may be configured to implement specific technical features of the payment method recommendation process according to an embodiment of the present invention described above under the control of the process 110.

Meanwhile, the above-described methods according to the present invention may be implemented as computer-readable codes on a computer-readable recording medium. The computer-readable recording medium includes all types of recording media in which data that can be decoded by a computer system is stored. For example, there may be read only memory (ROM), random access memory (RAM), magnetic tape, magnetic disk, flash memory, optical data storage device, and the like. In addition, the computer-readable recording medium can be distributed in a computer system connected through a computer communication network, and stored and executed as codes that can be read in a distributed manner.

Although the above has been described with reference to the drawings and examples, it does not mean that the scope of protection of the present invention is limited by the drawings or examples, and those skilled in the art It will be appreciated that various modifications and changes can be made to the present invention without departing from the spirit and scope.

Specifically, the described features may be implemented in digital electronic circuitry, or computer hardware, firmware, or combinations thereof. Features may be executed in a computer program product implemented in storage in a machine-readable storage device, for example, for execution by a programmable processor. And the features can be performed by a programmable processor executing a program of directives to perform the functions of the described embodiments by operating on input data and generating output. The described features include at least one programmable processor, at least one input device, and at least one output device coupled to receive data and directives from a data storage system and to transmit data and directives to the data storage system. It can be executed within one or more computer programs that can be executed on a programmable system including. A computer program includes a set of directives that can be used directly or indirectly within a computer to perform a specific action on a given result. Computer programs are written in any form of programming language, including compiled or interpreted languages, and included as modules, elements, subroutines, or other units suitable for use in other computer environments, or as independently operable programs. It can be used in any form.

Suitable processors for execution of a program of directives include, for example, both general and special purpose microprocessors, and either a single processor or multiple processors of a different kind of computer. Storage devices suitable for implementing computer program directives and data that also implement the described features are, for example, semiconductor memory devices such as EPROM, EEPROM, and flash memory devices, magnetic devices such as internal hard disks and removable disks. Devices, magneto-optical disks and all types of non-volatile memory including CD-ROM and DVD-ROM disks. The processor and memory may be integrated within application-specific integrated circuits (ASICs) or added by ASICs.

The present invention described above is described on the basis of a series of functional blocks, but is not limited by the above-described embodiments and the accompanying drawings, and various substitutions, modifications and changes within the scope not departing from the technical spirit of the present invention It will be apparent to those of ordinary skill in the art to which this invention pertains.

Combinations of the above-described embodiments are not limited to the above-described embodiments, and various types of combinations may be provided as well as the above-described embodiments according to implementation and/or need.

In the above-described embodiments, the methods are described on the basis of a flowchart as a series of steps or blocks, but the present invention is not limited to the order of steps, and certain steps may occur in a different order or concurrently with the steps described above. have. In addition, those of ordinary skill in the art understand that the steps shown in the flowchart are not exclusive, other steps are included, or one or more steps in the flowchart may be deleted without affecting the scope of the present invention. You can understand.

The above-described embodiments include examples of various aspects. It is not possible to describe all possible combinations for representing the various aspects, but one of ordinary skill in the art will recognize that other combinations are possible. Accordingly, the present invention will be said to include all other replacements, modifications and changes falling within the scope of the following claims.

Claims (32)

As a method of recommending a payment method of an online shopping mall performed by a computing device,
Following the payment request of the first user of the online shopping mall, request payment information including information about the property of the payment request and requested user information including information on the personal information of the first user from the online shopping mall server Receiving;
Determining a recommended payment method for the payment request based on the requested user information and the requested payment information, at least one user information included in a user information database, and at least one transaction completed payment information included in a payment information database; And
Including the step of transmitting information on the recommended payment means to the online shopping mall server,
The requested payment information includes payment environment information on the type of the user terminal on which the payment request was made and payment amount information of the payment request,
The one or more transaction completion payment information includes a hash ID for the user who performed the transaction, payment environment information for the type of the user terminal that performed the transaction, information on the amount of payment for the transaction, and the type of the user terminal that performed the transaction. Each includes information on a payment method used according to the payment environment information and the payment amount information of the transaction,
The payment environment includes mobile or PC,
The determining of the recommended payment method includes, among the one or more transaction completion payment information, payment according to payment amount information included in the requested payment information, having the same payment environment information as the payment environment information included in the requested payment information. A payment method of an online shopping mall for extracting at least one transaction completed payment information having payment amount information at the same level as the amount of money, and determining a payment method most often included in the extracted transaction completed payment information as the recommended payment method Recommended way.
The method of claim 1,
The information on the recommended payment method includes payment method information and payment service provider information.
The method of claim 1,
The requesting user information includes at least one of a name, an email address, a contact information, and a date of birth for the first user.
The method of claim 3,
The one or more user information includes at least one of a name, an email address, a contact number, and a date of birth for the user, and a hash ID for the user, respectively, for a method of recommending a payment method of an online shopping mall.
delete delete The method of claim 1,
The step of determining the recommended payment method is in response to a determination that user information corresponding to the requested user information exists among one or more user information included in the user information database,
Extracting a hash ID of user information corresponding to the requested user information; And
A payment method of an online shopping mall comprising the step of determining as the recommended payment method a payment method most often included in the hash ID extracted from the one or more transaction completion payment information and the transaction completion payment information corresponding to the requested payment information Recommended way.
The method of claim 1,
The step of determining the recommended payment method is in response to a determination that user information corresponding to the requested user information does not exist among one or more user information included in the user information database,
And determining, as the recommended payment method, a payment method most often included in the transaction completion payment information corresponding to the requested payment information among the one or more transaction completion payment information.
The method of claim 1,
The online shopping mall server controls to display a payment progress screen according to the recommended payment method prior to displaying a payment method selection screen on the terminal of the first user in response to receiving information on the recommended payment method. Method of payment method.
The method of claim 9,
The payment progress screen according to the recommended payment method includes a button for selecting another payment method,
The online shopping mall server controls to display a payment method selection screen on the terminal of the first user in response to the first user selecting the other payment method selection button.
The method of claim 9,
The user information database includes one or more user information received from a first shopping mall using a first payment gateway (PG) and one or more user information received from a second shopping mall using a second PG,
The payment information database includes at least one transaction completed payment information received from a first shopping mall and at least one transaction completed payment information received from a second shopping mall,
The first PG and the second PG have at least some of the supported payment methods different from each other, a method for recommending a payment method of an online shopping mall.
The method of claim 11,
The step of determining the recommended payment method further determines a subordinate payment method of the recommended payment method,
Transmitting information on the recommended payment method further transmits information on the subordinated payment method to the online shopping mall server,
The online shopping mall server, in response to a determination that the PG used by the online shopping mall server does not support the recommended payment method, controls to display a payment progress screen according to the subordinate payment method on the terminal of the first user. How to recommend a shopping mall payment method.
delete delete delete A payment means recommendation device for an online shopping mall, wherein the device includes a processor, a transceiver, and a memory, and the processor,
Following the payment request of the first user of the online shopping mall, the request user information including information on the personal information of the first user and information on the attribute of the payment request are included from the online shopping mall server using the transmission/reception unit. Receiving the requested payment information;
Recommended payment for the payment request based on the requested user information and the requested payment information, at least one user information included in the user information database of the memory, and at least one transaction completed payment information included in the payment information database of the memory Determine the means; And
It is configured to transmit information on the recommended payment means to the online shopping mall server by using the transmission/reception unit,
The requested payment information includes payment environment information on the type of the user terminal on which the payment request was made and payment amount information of the payment request,
The one or more transaction completion payment information includes a hash ID for the user who performed the transaction, payment environment information for the type of the user terminal that performed the transaction, information on the amount of payment for the transaction, and the type of the user terminal that performed the transaction. Each includes information on a payment method used according to the payment environment information and the payment amount information of the transaction,
The payment environment includes mobile or PC,
Determining the recommended payment method includes the same payment environment information as the payment environment information included in the requested payment information among the one or more transaction completion payment information, and the payment amount according to the payment amount information included in the requested payment information. Extracting at least one transaction completion payment information having payment amount information of the same level as the level, and determining a payment method most often included in the extracted transaction completion payment information as the recommended payment method, payment for an online shopping mall Means recommended device.
The method of claim 16,
The information on the recommended payment method includes payment method information and payment service providing company information.
The method of claim 16,
The requesting user information includes at least one of a name, an email address, a contact information, and a date of birth of the first user.
The method of claim 18,
The one or more user information includes at least one of a name, an email address, a contact information, and a date of birth for the user, and a hash ID for the user, respectively, for a payment method recommendation device for an online shopping mall.
delete delete The method of claim 16,
Determining the recommended payment method is in response to a determination that user information corresponding to the requested user information exists among one or more user information included in the user information database,
Extracting a hash ID of user information corresponding to the requested user information; And
A payment method for an online shopping mall comprising determining a payment method most often included in the hash ID extracted from the one or more transaction completion payment information and the transaction completion payment information corresponding to the requested payment information as the recommended payment method Recommended device.
The method of claim 16,
Determining the recommended payment method is in response to a determination that user information corresponding to the requested user information does not exist among one or more user information included in the user information database,
And determining, as the recommended payment method, a payment method most often included in the transaction completion payment information corresponding to the requested payment information among the one or more transaction completion payment information.
The method of claim 16,
The online shopping mall server controls to display a payment progress screen according to the recommended payment method prior to displaying a payment method selection screen on the terminal of the first user in response to receiving information on the recommended payment method. Payment method recommendation device for.
The method of claim 24,
The payment progress screen according to the recommended payment method includes a button for selecting another payment method,
The online shopping mall server, in response to the first user selecting the other payment method selection button, controls to display a payment method selection screen on the terminal of the first user.
The method of claim 24,
The user information database includes one or more user information received from a first shopping mall using a first payment gateway (PG) and one or more user information received from a second shopping mall using a second PG,
The payment information database includes at least one transaction completed payment information received from a first shopping mall and at least one transaction completed payment information received from a second shopping mall,
The first PG and the second PG have at least some of the supported payment means different from each other, a payment method recommendation device for an online shopping mall.
The method of claim 26,
Determining the recommended payment method further determines a subordinate payment method of the recommended payment method,
Transmitting information on the recommended payment method further transmits information on the subordinated payment method to the online shopping mall server,
The online shopping mall server, in response to a determination that the PG used by the online shopping mall server does not support the recommended payment method, controls to display a payment progress screen according to the subordinate payment method on the terminal of the first user. A device for recommending payment methods for shopping malls.
delete delete delete A computer-readable storage medium containing instructions executable by a processor, wherein the instructions cause the processor when executed by the processor,
Following the payment request of the first user of the online shopping mall, request payment information including information about the property of the payment request and requested user information including information on the personal information of the first user from the online shopping mall server Receive;
Determining a recommended payment method for the payment request based on the requested user information and the requested payment information, at least one user information included in the user information database, and at least one transaction completed payment information included in the payment information database; And
It is configured to transmit information on the recommended payment means to the online shopping mall server,
The requested payment information includes payment environment information on the type of the user terminal on which the payment request was made and payment amount information of the payment request,
The one or more transaction completion payment information includes a hash ID for the user who performed the transaction, payment environment information for the type of the user terminal that performed the transaction, information on the amount of payment for the transaction, and the type of the user terminal that performed the transaction. Each includes information on a payment method used according to the payment environment information and the payment amount information of the transaction,
The payment environment includes mobile or PC,
Determining the recommended payment method includes the same payment environment information as the payment environment information included in the requested payment information among the one or more transaction completion payment information, and the payment amount according to the payment amount information included in the requested payment information. Extracting at least one transaction completion payment information having payment amount information of the same level as the level, and determining a payment method most often included in the extracted transaction completion payment information as the recommended payment method .
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