KR102304997B1 - Method and system for processing paymanet according to ordering by telephone - Google Patents

Abstract

Methods and systems for processing payments are disclosed. The method of processing payment in the payment server includes the steps of receiving a password from the electronic device before connection for ordering between the electronic device and the company, and actually paying for the product or service that the user wants to order through the company It may include pre-authentication using the password prior to payment processing and transmitting order information according to the pre-authentication to the device of the company.

Description

METHOD AND SYSTEM FOR PROCESSING PAYMANET ACCORDING TO ORDERING BY TELEPHONE

The description below relates to methods and systems for processing payments.

When users want to purchase a product or service through phone order, such as ordering/delivery using the phone, the user calls the phone number of a desired company using a phone and places an order for the desired product or service. In this case, the company's personnel (eg, delivery man) visits the user's desired place, such as the user's house, to provide the ordered product or service, and pays according to the phone order using cash or credit card at the place of visit is processed

At this time, for convenience of payment and processing of receipts, there is a prior art for processing payment for orders when ordering by phone. For example, Korean Patent Application Laid-Open No. 10-2005-0106209 relates to a payment system and method for ordering by phone. Disclosed is a technology capable of performing payment for an order, issuing a receipt for a transaction, and the like. However, this prior art has a problem in that interworking between the telephone network and the payment server for order phone calls for payment is required. In addition, in relation to the final payment amount determined through the phone order from the point of view of the orderer, there is a problem that must be involved in the actual payment again.

To provide a payment processing method and system that can pre-authenticate payment according to an order using a phone call or chat before placing an order, and post-process the actual payment after placing an order without user involvement.

According to pre-authentication prior to ordering, it is possible to place an order without providing the user's payment information to the company, thereby providing a payment processing method and system that can increase the stability of payment.

A method for processing a payment in a payment server, the method comprising: receiving a password from the electronic device prior to connection for an order between an electronic device and a company; pre-authentication of a payment for a product or service that the user of the electronic device intends to order through the company using the password before the actual payment is processed; and transmitting order information according to the pre-authentication to the device of the company side.

According to one side, the payment processing method further comprises the step of providing a user interface page for receiving the password and transmitting it to the payment server, and the user interface page through a medium providing information about the company. It may be characterized in that the order function including the link is provided in association with the information on the company.

According to another aspect, providing the user interface page to the electronic device and receiving the password when the order function is selected in the electronic device that has been provided with the information on the company and the order function through the medium may be characterized in that it receives a password input through the user interface page provided to the electronic device.

According to another aspect, the medium may include at least a portal site providing a search service, and may provide information on the company and the ordering function through the search service.

According to another aspect, the pre-authentication may include pre-authentication of the payment using a password of a simple payment service input by the user to a user interface page provided through the order function.

According to another aspect, the link included in the ordering function includes (1) an online document provided through the medium, (2) an online or offline image code provided through the medium, or (3) the medium Alternatively, it may be characterized in that it is included in at least one of a Short Message Service (SMS) message, a Multimedia Message Service (MMS) message, and an instant message provided in association with the company.

According to another aspect, the order information may include an order number corresponding to an order between the electronic device and a company and a phone number of a user of the electronic device.

According to another aspect, according to the connection between the electronic device and the company, an order is confirmed using information input from a manager of the company and the order information, and the payment processing method includes: The method may further include receiving a request for payment according to the confirmation of , and post-processing the actual payment for the requested payment amount using the password according to the received request.

According to another aspect, the password includes a simple payment password for a simple payment service provided by the payment server, and the step of post-processing the actual payment includes: It may communicate with a server of a corresponding payment institution and post-process the payment pre-authenticated through the simple payment password for the payment amount.

According to another aspect, it may be characterized in that the user in the simple payment service is identified through the identification of the user in a medium that provides a link to a user interface page for inputting the password.

According to another aspect, the connection for ordering between the electronic device and the company may include a connection using a phone call or a connection using a chatting service.

A payment processing system of a payment server that processes payment, comprising at least one processor implemented to execute a computer-readable instruction, wherein the at least one processor is configured to: to receive a password from the electronic device, and to pre-authenticate payment for a product or service that the user wants to order through the company through the password before the actual payment is processed, and to receive order information according to the pre-authentication It provides a payment processing system, characterized in that the control to be transmitted to the company's device.

A method of processing payment in an electronic device, the method comprising: recognizing a user's selection input for an order function with a company related to an order; receiving and displaying a user interface associated with the order function according to the recognized selection input; transmitting the password input through the user interface to a payment server; And it provides a payment processing method comprising the step of trying to connect for an order with the company.

It is possible to pre-authenticate payment according to an order using a phone call or chat before placing an order, and to post-process the actual payment after the order without user involvement.

In addition, according to the pre-authentication prior to ordering, it is possible to place an order without providing the user's payment information to the company, thereby increasing the stability of the payment.

1 is a diagram illustrating an example of a network environment according to an embodiment of the present invention.
2 is a block diagram for explaining the internal configuration of an electronic device and a server according to an embodiment of the present invention.
3 is a diagram illustrating an example of a more specific phone order and payment environment according to an embodiment of the present invention.
4 is a diagram illustrating a first example of a situation in which a telephone order function is selected according to an embodiment of the present invention.
5 is a diagram illustrating an example in which a user interface for inputting a password is provided when a phone order function is selected according to an embodiment of the present invention.
6 is a diagram illustrating an example of a screen for inducing registration to a payment service for simple payment according to an embodiment of the present invention.
7 is a diagram illustrating an example of a POS screen of a company according to an embodiment of the present invention.
8 is a diagram illustrating an example of a call between an orderer and a manager of a company according to an embodiment of the present invention.
9 is a diagram illustrating another example of a POS screen of a company according to an embodiment of the present invention.
10 is a diagram illustrating an example of a notification provided to an orderer according to an embodiment of the present invention.
11 shows an example in which a link including a telephone ordering function is included in a two-dimensional code according to an embodiment of the present invention.
12 shows an example of a link included in a message according to an embodiment of the present invention.
13 is a block diagram illustrating an example of components that a processor of a payment server may include according to an embodiment of the present invention.
14 is a flowchart illustrating an example of a method that a payment server may perform according to an embodiment of the present invention.
15 is a block diagram illustrating an example of components that a processor of a manufacturer's device may include according to an embodiment of the present invention.
16 is a flowchart illustrating an example of a method that a company-side device may perform according to an embodiment of the present invention.
17 is a block diagram illustrating an example of components that a processor of an orderer's electronic device may include according to an embodiment of the present invention.
18 is a flowchart illustrating an example of a method that an electronic device of an orderer may perform according to an embodiment of the present invention.

Hereinafter, embodiments will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating an example of a network environment according to an embodiment of the present invention. The network environment of FIG. 1 shows an example including a plurality of electronic devices 110 , 120 , 130 , 140 , a server 150 , and a network 170 . FIG. 1 is an example for explaining the invention, and the number of electronic devices or the number of servers is not limited as in FIG. 1 .

The plurality of electronic devices 110 , 120 , 130 , and 140 may be a fixed terminal implemented as a computer device or a mobile terminal. Examples of the plurality of electronic devices 110 , 120 , 130 , 140 include a smart phone, a mobile phone, a navigation device, a computer, a notebook computer, a digital broadcasting terminal, a personal digital assistant (PDA), and a portable multimedia player (PMP). ), tablet PCs, and POS (Point Of Sales) terminals. For example, in FIG. 1 , the shape of a smartphone is shown as an example of the electronic device 1110 , but in embodiments of the present invention, the other electronic devices 120 are substantially connected through the network 170 using a wireless or wired communication method. , 130 , 140 ) and/or may refer to one of various devices capable of communicating with the server 150 .

The communication method is not limited, and not only a communication method using a communication network (eg, a mobile communication network, a wired Internet, a wireless Internet, a broadcasting network) that the network 170 may include, but also short-range wireless communication between devices may be included. For example, the network 170 may include a personal area network (PAN), a local area network (LAN), a campus area network (CAN), a metropolitan area network (MAN), a wide area network (WAN), and a broadband network (BBN). , the Internet, and the like. In addition, the network 170 may include any one or more of a network topology including a bus network, a star network, a ring network, a mesh network, a star-bus network, a tree, or a hierarchical network, etc. not limited

The server 150 is a computer device or a plurality of computer devices that communicates with the plurality of electronic devices 110 , 120 , 130 , 140 and the network 170 to provide commands, codes, files, contents, services, etc. can be implemented. For example, the server 150 may be a payment server that provides a simple payment service to a plurality of electronic devices 110 , 120 , 130 , 140 connected through a network. The simple payment service is a service that allows users to pay only by entering a password for easy payment from the next time they register the card or bank account used for the first payment without an official certificate or text message authentication. There are commercialized services that allow you to search for products, make payment, and even refund at once without any procedures such as entering a , delivery address, and payment for digital content such as music and webtoons. In embodiments of the present invention, the server 150 uses this simple payment service to pre-authenticate the payment according to the order between the user and the company before the connection for the order between the user and the manager of the company, and after the actual payment after the order A payment processing system for providing a payment service that can be processed may be implemented. In this embodiment, it is described that one server 150 implements the payment processing system for convenience of description, but the server 150 may include a plurality of server devices that cooperate to implement the payment processing system. .

2 is a block diagram for explaining the internal configuration of an electronic device and a server according to an embodiment of the present invention. In FIG. 2 , the internal configuration of the electronic device 1110 and the electronic device 2120 as an example of the electronic device, and the server 150 as an example of the server will be described. The other electronic devices 130 and 140 may also have the same or similar internal configuration as the electronic device 1110 or the electronic device 2120 .

The electronic device 1110, the electronic device 2120, and the server 150 include a memory 211, 221, 231, a processor 212, 222, 232, a communication module 213, 223, 233, and an input/output interface ( 214, 224, 234). The memories 211 , 221 , and 231 are computer-readable recording media, and may include random access memory (RAM), read only memory (ROM), and permanent mass storage devices such as disk drives. have. Here, the ROM and the non-volatile mass storage device may be separated from the memories 211 , 221 , and 231 and included as separate permanent storage devices. In addition, an operating system or at least one program code (eg, a code for a browser installed and driven in the electronic device 1110 or an application for providing a specific service, etc.) may be stored in the memories 211 , 221 , and 231 . have. These software components may be loaded from a computer-readable recording medium separate from the memories 211 , 221 , and 231 . The separate computer-readable recording medium may include a computer-readable recording medium such as a floppy drive, a disk, a tape, a DVD/CD-ROM drive, and a memory card. In another embodiment, the software components may be loaded into the memories 211, 221, and 231 through the communication modules 213, 223, and 233 instead of a computer-readable recording medium. For example, the at least one program is installed by developers or files provided by a file distribution system that distributes installation files of applications through the network 170 (for example, the above-described application) based on the memory ( 211, 221, 231) may be loaded.

The processors 212 , 222 , and 232 may be configured to process instructions of a computer program by performing basic arithmetic, logic, input/output operations, and the like. The instructions may be provided to the processors 212 , 222 , 232 by the memories 211 , 221 , 231 or the communication modules 213 , 223 , 233 . For example, the processors 212 , 222 , and 232 may be configured to execute received instructions according to program codes stored in a recording device such as the memories 211 , 221 , 231 .

The communication modules 213 , 223 , and 233 may provide a function for the electronic device 1 110 , the electronic device 2 120 , and the server 150 to communicate with each other through the network 170 , and other electronic devices ( For example, a function for communicating with the electronic device 3 130 may be provided. For example, a request (eg, a request for a messenger service) generated by the processor 212 of the electronic device 1110 according to a program code stored in a recording device such as the memory 211 is subject to the control of the communication module 213 . Accordingly, it may be transmitted to the server 150 through the network 170 . Conversely, a control signal, command, content, file, etc. provided under the control of the processor 222 of the server 150 passes through the communication module 223 and the network 170 to the communication module ( 213 may be received by the electronic device 1110 . For example, a control signal or command of the server 150 received through the communication module 213 may be transmitted to the processor 212 or the memory 211 , and contents or files may be transmitted to the electronic device 1110 by the electronic device 1110 . It may be stored as a storage medium that may further include.

The input/output interfaces 214 and 234 may be means for interfacing with the input/output devices 215 and 235). For example, the input device may include a device such as a keyboard or mouse, and the output device may include a device such as a display. As another example, the input/output interfaces 214 and 234 may be means for an interface with a device in which functions for input and output are integrated into one, such as a touch screen. In addition, the input/output interface 224 of the server 150 may also be a means for interfacing with a device (not shown) for input and/or output that is connected to the server 150 or that the server 150 may include. As a more specific example, the processor 212 of the electronic device 1110 is configured using data provided by the server 150 or the second electronic device 120 in processing a command of a computer program loaded in the memory 211 . A service screen or content to be used may be displayed on the display through the input/output interface 214 .

In addition, in other embodiments, the electronic device 1110 , the electronic device 2120 , and the server 150 may include more components than those of FIG. 2 . However, there is no need to clearly show most of the prior art components. For example, the electronic device 1110 is implemented to include at least some of the above-described input/output devices 215 or other components such as a transceiver, a global positioning system (GPS) module, a camera, various sensors, and a database. It may include more elements. As a more specific example, when the electronic device 1110 is a smartphone, an acceleration sensor or a gyro sensor, a camera, various physical buttons, a button using a touch panel, an input/output port, and a vibrator for vibration generally included in the smartphone It can be seen that various components such as may be implemented to be further included in the electronic device 1110 . In this case, the communication module 213 of the electronic device 1110 may further include a function for making a call with a wired/wireless telephone through a telephone network, and the network 170 may include a telephone network.

3 is a diagram illustrating an example of a more specific phone order and payment environment according to an embodiment of the present invention. FIG. 3 shows an electronic device 310 of an orderer, a phone 320 of a company, a device 330 of a company, and a payment server 340 .

The electronic device 310 of the orderer may be implemented as, for example, the electronic device 1110 described above, and communicates with the payment server 340 through the network 170, and the company's phone 320 through the telephone network. It may include a device such as a smartphone capable of making a call with the user.

The company's phone 320 may be a device capable of making a call with the orderer's electronic device 310 through a wired or wireless phone network. In addition, the manufacturer's device 330 may be implemented as, for example, the electronic device 2 120 described above, and may generally include functions and/or components for Point Of Sales (POS). Although the company's phone 320 and the vendor's device 330 are represented as separate devices in FIG. 3 , they may be implemented as a single device according to an embodiment. For example, both a call function and a POS function with the electronic device 310 of the orderer may be implemented in one device, such as a POS having a call function or vice versa. In addition, the company-side device 330 may further include a function for communicating with the payment server 340 through the network 170 . The vendor-side device 330 may be a vendor's terminal including a POS function, but may also be a vendor-side server that communicates with a plurality of POS terminals according to an embodiment. The manager of the company-side device 330 may refer to an employee (eg, a store manager, a store employee, or a telemarketer) of a company that receives and processes an order from a customer.

The payment server 340 may be implemented as, for example, the server 150 described above with reference to FIGS. 1 and 2 , and provides an orderer's electronic device 310 and a company-side device 330 using a simple payment service. It can provide services for pre-authentication and post-payment processing.

In one embodiment, the payment server 340 may be included or linked to a portal system that provides various services such as search, shopping, mail, and map based on a portal site, and provides a simple payment service to users of the portal system. can be used to provide In this case, users can use the simple payment service by using the identifier in the portal system without a separate membership registration at various affiliated stores of the simple payment service. For example, the user of the simple payment service may be identified using the ID of the users on the portal site, and the user may be identified through contact information (eg, the orderer's phone number) when ordering or linking with other simple payment services. may be identified. The other simple payment service may mean a simple payment service provided through a system of a third party linked to the payment server 340 rather than the simple payment service provided through the payment server 340 . For example, the payment server 340 may link other simple payment services and services, and may process payment of orders according to embodiments of the present invention by receiving passwords of users registered in other simple payment services. have.

1. The phone order function selection process may be an example of a process in which a phone order function with a company related to a phone order is selected by the user in the electronic device 310 of the orderer. Here, the phone ordering function may include a link included in an online document, a link included in an image code, or a link provided through an SMS (Short Message Service), MMS (Multimedia Message Service) or instant message, and the phone ordering function When an orderer who wants to place an order by phone with a company selects a link (eg, touches an area of the link displayed on the screen of the electronic device 310 in a touch screen environment), the phone ordering function may be selected. For example, the above-described portal system may provide a page including search results (hereinafter, 'search result page') to the orderer according to the search term input by the orderer through the search service, and the provided search result page may contain a specific It may include the ability to order by phone with a vendor.

In this case, a user interface associated with the telephone order function may be provided to the orderer through the electronic device 310 according to the orderer's selection of the telephone order function. For example, the payment server 340 creates a page (hereinafter, 'user interface page') including a user interface for receiving a password for easy payment, and location information (for example, for access to the user interface page) , the Uniform Resource Locator (URL) of the user interface page may be provided. In this case, the phone order function included in association with a specific company in the above-described search result page may include location information provided by the payment server 340 in the form of a link. If the orderer selects the phone order function included in the search result page, the user interface page may be provided to the orderer through the corresponding link. As a more specific example, when the orderer selects a link through the electronic device 310 , a source code for configuring a user interface page may be transmitted to the electronic device 310 , and a browser of the electronic device 310 may open the source code Accordingly, the user interface page may be configured and the user interface page may be displayed through the screen of the electronic device 310 .

It is assumed that the orderer is a user who is registered as a member of the above-described simple payment service and registered a payment method, and if the orderer is not a member of the simple payment service or the orderer's payment method is not registered in the payment server 340 A process for registering a member and/or a process for registering a payment method may be further performed before the user interface page is provided.

Also, as the orderer selects a phone ordering function associated with a specific company, the payment server 340 may identify the corresponding company. The payment server 340 can build and manage information on affiliated stores as a database, and when a phone order function associated with a specific company is selected, information for identifying the corresponding company is transmitted to the payment server 340 , The payment server 340 is able to grasp information on a company from which the orderer wants to place an order by phone.

As described above, the link to the user interface page according to the telephone ordering function may be provided to the orderer's electronic device 310 through an image code or various messages as well as an online document.

2. The password transmission process may be an example of a process in which the electronic device 310 of the orderer transmits the password input through the user interface of the user interface page to the payment server 340 . For example, as the orderer inputs the password through the provided user interface, the input password may be transmitted to the payment server 340 through the user interface page.

3. The payment pre-authentication process may be an example of a process in which the payment server 340 pre-authenticates a payment according to a phone order prior to a phone connection between the user and the company using the password received from the orderer's electronic device 310 . The actual payment after the phone order may be processed later, according to the request of the company after the phone order between the orderer and the company is completed. As such, according to the pre-authentication prior to ordering, it is possible to place an order without providing the user's payment information to the company, thereby increasing the stability of the payment.

4. The order information transmission process may be an example of a process in which the payment server 340 transmits order information according to pre-authentication to the recognized company-side device 330 . Here, the order information may include an order number and a phone number of the orderer. As already described, the payment server 340 can store and manage information on companies registered as affiliated stores through a database, and by searching the database based on the identifier of the company provided as the orderer selects the phone order function, You may recognize the company. When the payment server 340 transmits the order information to the company-side device 330, the company-side device 330 may know in advance that a call will be received from the orderer even before the orderer's order phone call, and already the payment server 340 Since the payment for phone orders has been pre-verified in , more secure phone order transactions can be made.

5. The call process may be an example of a process in which the orderer places an order with the manager of the company through a call connection between the electronic device 310 of the orderer and the phone 320 of the company. This call process may be performed between "2. Password and company phone number transmission process" and "6. Information input process by administrator" to be described later. "5. Call process" Basically, it may be made based on a phone call using a telephone network, but according to an embodiment, it may be made using a service that allows chatting between the person in charge and the company without adding a separate friend. As an example, such a chat service may be a service provided by the portal system described above.

6. The information input process by the manager may be an example of a process in which the manager of the company inputs information received through a call with the orderer to the device 330 of the company. The company-side device 330 may receive, for example, a payment amount of an order according to a phone connection from the manager. According to an embodiment, the company-side device 330 may further receive input from the manager, such as delivery address information, information on a product or service to be ordered, and/or information related to an expected delivery departure time.

7. The payment request process may be an example of a process in which the company-side device 330 requests the payment server 340 to process an actual payment according to the payment amount. In this case, the company-side device 330 may request payment to the payment server 340 using information input from the manager and order information provided by the payment server 340 .

8. The payment post-processing process may be an example of a process in which the payment server 340 post-processes an actual payment according to a phone order in response to a payment request from the company-side device 330 . In this case, the payment server 340 may process the actual payment for the payment amount input by the manager using the payment method previously registered by the orderer. For example, the payment server 340 may communicate with a server of a payment institution (eg, a credit card company or a bank, etc.) suitable for a pre-registered payment method to process the final payment of the payment amount.

9. The payment completion information providing process may be an example of a process in which the payment server 340 notifies the orderer's electronic device 310 and the company's device 330 that the actual payment processing for the phone order has been completed. For example, the payment server 340 may push payment completion information to the electronic device 310 of the orderer. When the company-side device 330 receives a notification indicating that the actual payment processing has been completed, it can output a receipt for payment of the phone order and deliver it to the orderer during delivery for the provision of the ordered product or service.

As such, as the post-payment is completed and payment completion information is provided, the process of payment according to the present embodiment may be terminated. If the call (or chatting described above) is not made because there is no call from the orderer to the company, or if the actual order is not made during the call process (or the order process using chat), "7. Payment Request Process" this will not be done At this time, when the "7. Payment request process" is not performed until a predetermined time elapses after the payment server 340 transmits the order information, the payment server 340 arbitrarily terminates the payment process according to the phone order. You may.

4 is a diagram illustrating a first example of a situation in which a telephone order function is selected according to an embodiment of the present invention. The telephone ordering function may be provided to users, for example, in the form of a link included in an online document (a web page or a mobile page). The first screen 410 of FIG. 4 is an example of a screen of the orderer's electronic device 310, and shows an example of a search result screen provided to the orderer when the orderer inputs the search word "AA chicken" through the search service. In this case, the first screen 410 shows that a telephone order function including a link, such as a "pay call" 411, is provided to the orderer through a specific online document such as a search result page. When the orderer touches the area where the "pay call" 411 is displayed, the user's selection input for the phone order function may be recognized through the electronic device 310, and a user interface for receiving the orderer's easy payment password may be provided to the orderer. In this case, the payment server 340 may obtain an identifier for the company associated with the phone ordering function, and may check the corresponding company. For example, the payment server 340 may obtain an identifier for a company associated with the phone ordering function from a medium (eg, a portal site providing a search service) in which the phone ordering function is provided. As another example, a function for transmitting an identifier for a company associated with the phone order function itself to the payment server 340 may be included.

According to an embodiment, additional functions may be selectively provided to the orderer through the telephone ordering function. For example, a pop-up 421 displayed on the second screen 420 of FIG. 4 indicates a selection function additionally provided according to a link. For example, the selection function may include a function for the orderer to select one of an online order and a phone order. An online order may be processed through a general simple payment service provided by the payment server 340 , and a phone order may be a payment service through pre-authentication/post-processing provided by the payment server 340 according to embodiments of the present invention. can be processed through In this embodiment, when the orderer touches the area where the "phone order" 422 of the pop-up 421 is displayed, a user interface for receiving a simple payment password may be provided to the orderer. As another additional function, when the orderer registers multiple payment methods (for example, credit card, mobile payment, accumulated point payment, real-time account transfer, etc.) in the payment service, the selection function for selecting the payment method requires a password. It may be provided to the orderer before the user interface for receiving the input is provided.

5 is a diagram illustrating an example in which a user interface for inputting a password is provided when a phone order function is selected according to an embodiment of the present invention. The screen 510 of FIG. 5 includes a function of a user interface provided to the orderer to receive a password for simple payment as the orderer's electronic device 310 recognizes a selection input for the orderer's phone order function. It may be an example of a screen on which a page is displayed. As described above, the payment server 340 generates a page including a function for the user interface in order to provide a user interface for inputting a password to the orderer, and information for configuring the page (eg, a page of the source code) can be provided with location information (eg, URL). For example, the phone ordering function may be provided in the form of a link including location information on a network in which the source code is stored, and the source code may be provided to the electronic device 310 as the user selects the phone ordering function. have. The electronic device 310 may provide the orderer with a user interface such as the screen 510 by configuring and displaying the page using the received source code.

When the orderer inputs a password through the user interface, the electronic device 310 may transmit the input password to the payment server 340 . If the orderer selects one of the plurality of payment methods, information on the payment method selected by the orderer may be further transmitted to the payment server 340 .

When the orderer is not registered with the payment service for simple payment, a process for registering with the payment service may be performed. In addition, when the orderer does not want to register for the payment service, a function for connecting a general call with a company may be provided to the orderer.

6 is a diagram illustrating an example of a screen for inducing registration to a payment service for simple payment according to an embodiment of the present invention. As described above, the simple payment service may identify members of the easy payment service using identifiers of users in the portal system. If the orderer is logged in to the search service described with reference to FIG. 4 , the payment server 340 may check whether the user is a member of the simple payment service. If the orderer is not logged in to the search service, the payment server 340 or the system of the corresponding simple payment service (eg, the system of the other simple payment service described above) may request the orderer's login. In this case, the screen 610 of FIG. 6 shows an example in which a pop-up 611 for inducing registration to the payment service is displayed when the orderer is not a member registered for the payment service. For example, when the orderer is not a member of the payment service, the payment server 340 may provide information for controlling the electronic device 310 to configure and display the pop-up 611 to the electronic device 310 . .

After inputting the password, the electronic device 310 of the orderer may attempt to establish a call connection with the phone 320 of the company. Meanwhile, the payment server 340 may pre-authenticate the payment according to the phone order through the password received from the electronic device 1110 . After the payment is pre-authorized in the payment server 340 , the payment server 340 may generate order information (eg, including an order number and the orderer's phone number) and transmit it to the company-side device 330 . In addition, after the call with the orderer, the manager of the company may input information obtained through the call to the device 330 of the company. An example of order information received from the company will be described in detail with reference to FIG. 7 , and an example of inputting information obtained through a phone call with an orderer into the device 330 of the company will be described in more detail with reference to FIG. 8 .

7 is a diagram illustrating an example of a POS screen of a company according to an embodiment of the present invention. The screen 710 of FIG. 7 is a POS screen of the company and may be an example of the screen of the vendor-side device 330 described above. In the screen 710 , the first dotted line box 711 is an example of order information transmitted from the payment server 340 to the company-side device 330 , and shows an example in which an order number and a phone number of the orderer are displayed. In addition, the second dotted line box 712 on the screen 710 is an example of information that the manager of the company can input after a phone call with the orderer, and information about the delivery address, menu, payment amount, and delivery departure time is displayed. represents A screen configuration for displaying information related to such an order may be made under the control of a seller-side application installed in the vendor-side device 330 .

8 is a diagram illustrating an example of a call between an orderer and a manager of a company according to an embodiment of the present invention. When a call is connected between the electronic device 310 of the orderer and the phone 320 of the company, the orderer and the manager of the company can make a call with each other. Since the pre-authentication for payment has already been completed, the orderer does not need to intervene in a separate payment process. The manager of the company fills the information such as the delivery address, menu, and payment amount displayed on the screen 710 of FIG. can

When the administrator selects the user interface of “payment request” displayed on the screen 710 of FIG. 7 , a payment may be requested to the payment server 340 based on the information input by the administrator and order information. The payment server 340 may post-process the actual payment according to the pre-authenticated phone order according to the payment amount and order information of the information input by the administrator. For example, the payment server 340 may process a simple payment using the password transmitted from the orderer's electronic device 310 for the input payment amount, and for this, a payment corresponding to the activated payment method It can communicate with the server of the institution to process the final payment for the payment amount. When the payment is completed, the payment server 340 may transmit information on the completion of the payment to the electronic device 310 of the orderer and the device 330 of the company, respectively.

9 is a diagram illustrating another example of a POS screen of a company according to an embodiment of the present invention. The screen 910 of FIG. 9 shows an example of a screen for managing orders entered into the business. On the screen 910, information about the order number, phone number, and delivery status is displayed. If the delivery person selects the user interface 911 displaying "before delivery" indicating the delivery status while leaving the delivery for the order number "N013110305678", the delivery status can be changed to "delivery start" . In this case, information on the change in delivery status may be transmitted to the payment server 340 , and the payment server 340 may transmit information related to the change in delivery status to the electronic device 310 of the orderer.

10 is a diagram illustrating an example of a notification provided to an orderer according to an embodiment of the present invention. The screen 1010 of FIG. 10 shows an example of a notification page provided to the electronic device 310 of the orderer.

The first notification 1011 may be a notification provided to the orderer after post-processing of payment in the payment server 340 is completed. "Departure scheduled in 10 minutes" may be applied as the company sets the scheduled time of "delivery departure" to "10 minutes later" as shown in the second dotted line box 712 of FIG. 7 . For example, the company-side device 330 may transmit “after 10 minutes”, which is information related to “delivery start” input by the administrator, to the payment server 340 when requesting a payment. In this case, the payment server 340 may provide the orderer with the first notification 1011 including information such as “departure scheduled in 10 minutes” using the received information “10 minutes later”. The link “check payment history” of the first notification 1011 may provide a function for accessing the payment history page.

The second notification 1012 may be a notification for notifying the orderer of that delivery has departed and the expected arrival time of “10:20”. For example, the payment server 340 may inform the orderer that delivery has started based on the information on the change of the delivery state described in FIG. 9 . In this case, the estimated arrival time may be provided through connection with the map service. For example, a map service provides information on the estimated time of arrival to the origin and destination. The payment server 340 may provide the orderer with an estimated arrival time for a route that has the address of the company as the departure and the destination of the address of the company through linkage with a server (not shown) that provides a map service. The link "delivery location check" of the second notification 1012 may provide a function of providing the current location of the delivery person to the electronic device 310 of the orderer through linkage with the map service. For example, the delivery man's electronic device (eg, electronic device 3 130) may have a delivery man-side application installed, and the location of the delivery man's electronic device through communication between the delivery man's electronic device and the payment server 340 is It may be provided to the payment server 340 . In this case, the payment server 340 may provide map information indicating the location of the delivery man's electronic device to the orderer's electronic device 310 through connection with a server providing a map service.

The third notification 1013 may be a notification for the payment server 340 to notify the orderer that delivery is complete. The third notification 1013 indicating that delivery is complete may also be provided to the company-side device 330 . As already described, the delivery man application may be installed on the delivery man's electronic device, and information about the order number, phone number, and delivery status, etc. described in FIG. 9 through communication between the delivery man's electronic device and the payment server 340 is provided. can be managed After completing the delivery, the delivery person may change the delivery status from "delivery start" to "delivery completed" through the delivery person's electronic device. In this case, the change in delivery status is notified to the payment server 340 , and the payment server 340 may provide the third notification 1013 to the electronic device 310 of the orderer and the device 330 of the company, respectively. . The link “Rate” in the third notification 1013 may include a function for providing a page where you can leave a rating for the phone order. The payment server 340 may manage the evaluation of users for each company.

The fourth notification 1014 may be a notification for inducing the payment server 340 to leave an evaluation for the phone order to the orderer. The link “Rate” of the fourth notification 1014 may include the same function as the link “Rate” of the third notification 1013 . The fourth notification 1014 may be provided after a predetermined time elapses after delivery is completed.

In the above, the process of placing an order and payment by phone using the phone ordering function included in the online document has been described. However, the telephone ordering function may be provided to the orderer through other channels.

11 shows an example in which a link including a telephone ordering function is included in a two-dimensional code according to an embodiment of the present invention. 11 shows a QR (Quick Response) code 1110 provided online or offline. The orderer may photograph the QR code 1110 provided through the camera included in the electronic device 310 to recognize a link having a phone ordering function included in the QR code 1110 . As the electronic device 310 recognizes the link, the pop-up 421 described with reference to FIG. 4 may be provided, and thereafter, the password is transmitted to the payment server 340 through the same process as described above, and the payment server 340 . Processes of pre-authentication, phone order between the orderer and the manager, and post-payment in the payment server 340 may be processed.

12 shows an example of a link included in a message according to an embodiment of the present invention. The screen 1210 of FIG. 12 shows an example of providing a link including a telephone order function to the electronic device 310 of the orderer through a message using a Short Message Service (SMS). In addition to SMS, the link may be provided to the electronic device 310 of the orderer through a multimedia message service (MMS) or an instant message.

For example, an online document (eg, a web page or a mobile page) may include information on a specific company and a function for making a phone call to the specific company. If the orderer selects a function for phone connection of a document displayed through the electronic device 310 , an SMS message may be delivered to the electronic device based on the phone number of the electronic device 310 . In this case, the subject sending the SMS message may be a corresponding company or the payment server 340 . The SMS message may include a link according to the phone order function, and the orderer may be provided with a user interface for inputting a password for simple payment by using the link.

As another example, a message including a link for a phone ordering function may include an advertisement message sent from a corresponding company. As the orderer selects the link of the advertisement message received by the electronic device 310 , a user interface for receiving an input password for simple payment may be provided to the orderer through the electronic device 310 , and the orderer uses the user interface When the password is input in this way, the password may be transmitted to the payment server 340 , and the electronic device 310 may attempt to make a phone call connection to the phone number of the corresponding company. As already described, an order between an orderer and a company may be made through a chatting service.

Thereafter, as described above, processes such as pre-authentication in the payment server 340, a telephone order between the orderer and the manager of the company, and post-processing of actual payment in the payment server 340 may be processed.

13 is a block diagram illustrating an example of components that a processor of a payment server may include according to an embodiment of the present invention, and FIG. 14 is an embodiment of the present invention, which may be performed by the payment server It is a flowchart showing an example of a method.

The payment server 340 may be implemented through the server 150 as described above. As shown in FIG. 13 , the processor 222 of the server 150 includes a user interface providing unit 1310 , a password receiving unit 1320 , a pre-authentication unit 1330 , an order information transmitting unit 1340 , and a payment post-processing unit. 1350 and a notification providing unit 1360 may be included.

The processor 222 and components of the processor 222 may control the server 150 to perform steps 1410 to 1460 included in the payment processing method of FIG. 16 . In this case, the processor 222 and components of the processor 222 may be implemented to execute instructions according to the code of the operating system included in the memory 221 and the code of at least one program. Here, the components of the processor 222 may be expressions of different functions of the processor 222 performed by the processor 222 according to a control command provided by a code stored in the server 150 . .

In operation 1410, the user interface providing unit 1310 may provide a function for providing a user interface. Here, the user interface provided through the user interface providing unit 1310 may include a function for controlling to receive a user's password for simple payment and transmit it to the server 150 . For example, the user interface providing unit 1310 may provide a user interface page that is a page including a user interface for receiving a password and transmitting it to the server 150 . As a more specific example, the user interface providing unit 1310 may generate a user interface page and provide information about a location of the user interface page on a network (eg, a URL of the user interface page). A company or a medium providing information about the company may provide users with an ordering function including a link for accessing a user interface page in association with the information on the company. In this case, the user may be provided with information about the company through the above-described medium (eg, a portal site) using an electronic device. For example, a search result page provided through a search service of a portal site may include information about a company and an ordering function. In addition, the user may access the user interface page through the link included in the ordering function. According to the order function, when the user accesses the user interface page and inputs a password, the entered password may be transmitted to the server 150 . Links to user interface pages may be provided to the user through a variety of media, as already described. For example, a link to a user interface page including an ordering function may be included in an online document provided through the medium or an online or offline image code provided through the medium. As another example, the link may be included in various messages such as an SMS message, an MMS message, an instant message, etc. provided in association with a medium or a company.

In step 1420 , the password receiving unit 1320 may receive a password from the electronic device prior to connection for an order between the electronic device and the company. For example, an order function related to an order with a company may be provided to the user through the electronic device, and a user interface for inputting a password used in simple payment according to the user's selection input for the order function is provided to the user can do. The electronic device may access the user interface page provided by the server 150 and provide an input screen for the user interface to the user. When the user inputs a password through the provided user interface, the input password may be transmitted to the server 150 . In this case, the user of the electronic device may be identified through the identifier of the user in the medium that provides information on the company and the ordering function. For example, the server 150 may identify the user in the simple payment service by using the user's identifier in the portal site.

In this case, the password receiving unit 1320 may control the server 150 to receive the password. Here, the password may include a simple payment password for processing authentication of payment through a payment method of a user previously registered in the payment service provided by the server 150 . Also, the electronic device may correspond to the electronic device 1110 or the electronic device 310 of the orderer. In addition, the connection for ordering between the electronic device and the company may include a connection using a phone call or a connection using a chatting service.

As described above, the ordering function may include additional additional functions. For example, as described with reference to FIG. 4 , a function for selecting one of an online order and a phone order (or an order using a chat service) or a function for selecting a payment method is applied to the user's selection input for the order function. More may be provided accordingly. When a payment method is selected, information on the selected payment method may be further transmitted to the server 150 . For example, in step 1410, the user interface providing unit 1310 provides not only information for configuring the user interface page, but also information for a function for receiving a selection of one of an online order and a phone order, and the user's registered payment method. Information for a function for receiving one of the selections may be generated and provided, and the information may be provided to the electronic device through an ordering function. When one of the plurality of payment methods is selected, the server 150 may further receive information on the selected payment method in addition to the above-described password.

In step 1430, the pre-authentication unit 1330 may pre-authenticate the payment for a product or service that the user wants to order through the company using a password before the actual payment is processed. As already described, the user may be a member of the payment service provided by the server 150 , and a password for simple payment is registered in the server 150 in advance. Accordingly, the server 150 pre-authenticates the payment through the password so that an order can be made without providing the user's payment information to the company, so that a more secure order can be made. In addition, the server 150 may process payment through connection with other simple payment services. In this case, the server 150 may receive payment in advance from a system that provides another simple payment service. Since the pre-authentication is performed before the user connects with the company, the server 150 does not yet know the payment amount or information on which goods or services are ordered. Therefore, the actual payment according to the order may be post-processed later. As described above, the server 150 may identify the user of the simple payment service by using the user's identifier in the medium. For example, the pre-authentication unit 1330 selects an identifier and an order function of an authenticated user by logging into the portal site and selects a payment using the password of the simple payment service input by the user through the user interface page provided. can be authenticated.

In step 1440, the order information transmitter 1340 may transmit order information according to the pre-authentication to the recognized company-side device. The company may be a company registered as an affiliated store in the payment service provided by the server 150 , and the company corresponding to the selected order function may be recognized by the server 150 . For example, when the medium providing the ordering function is associated with the server 150 , the server 150 may recognize the corresponding company by receiving the identifier of the company corresponding to the selected ordering function from the medium. Alternatively, a function for transmitting an identifier of a company corresponding to the ordering function itself to the server 150 may be included. Here, the vendor-side device may correspond to the vendor-side device 330 described above. The order information transmission unit 1530 may control the server 150 to generate a message including order information and transmit the generated message to the vendor's device through the network 170 . Here, the order information may include an order number and a user's phone number.

In step 1450 , the payment post-processing unit 1350 may post-process the actual payment according to a payment request from the vendor's device. The company's device may receive the order information provided by the server 150 through step 1440, and the manager of the company may receive information (eg, payment, amount, delivery address, etc.) can be entered into the company's device in association with the order information. In this case, the order may be confirmed using information and order information input from the manager of the company, and the company's device performs payment of the confirmed order using the input information and the order information received from the server 150 to the server (150) can be requested. In this case, the payment post-processing unit 1350 receives the payment amount received from the company's device according to the order in relation to the pre-authenticated payment corresponding to the order number according to the payment request from the company's device through the simple payment according to the password. You can actually make it work. As a more specific example, the server 150 may communicate with a system of a payment institution (eg, a bank or a credit card company) using a pre-registered user's payment method to process a simple payment of the requested payment amount. As already described, the password may include a simple payment password for authentication of payment processed using a user's payment method registered in the simple payment service provided by the server 150 . The payment post-processing unit 1350 communicates with a server of a payment institution corresponding to the identified user using a pre-registered payment method to post-process the pre-authenticated payment through the simple payment password for the payment amount. can control

In operation 1460 , the notification providing unit 1360 may provide payment completion information to the electronic device and the device of the company. For example, the notification providing unit 1550 may control the server 150 to generate payment completion information as the actual payment is post-processed and transmit it to the electronic device and the company-side device through the network 170 , respectively. According to an embodiment, the notification providing unit 1360 may generate various types of notifications described with reference to FIG. 10 and provide them to the electronic device.

15 is a block diagram illustrating an example of a component that a processor of a vendor's device may include in one embodiment of the present invention, and FIG. 16 is an embodiment of the present invention, performed by the vendor's device A flow chart showing an example of how this can be done.

The vendor-side device 330 may be implemented through the electronic device 2 120 as described above. As shown in FIG. 15, the processor 232 of the electronic device 2 120 includes an order information receiving unit 1510, a payment requesting unit 1520, a receipt providing unit 1530, and a delivery status management unit 1540. can

The processor 232 and components of the processor 232 may control the electronic device 2 120 to perform steps 1610 to 1640 included in the payment processing method of FIG. 16 . At this time, the processor 232 and the components of the processor 232 receive an instruction according to the code of the operating system included in the memory 231 and the code of at least one program (eg, a code for the seller's application). It can be implemented to run Here, the components of the processor 232 are expressions of different functions of the processor 232 performed by the processor 232 according to a control command provided by a code stored in the electronic device 2 120 . can

In step 1610 , the order information receiver 1510 may receive order information pre-authenticated by the payment server based on the password transmitted from the electronic device to the payment server through the network from the payment server. Here, the electronic device may correspond to the electronic device 1110 or the electronic device 310 of the orderer described above, and the payment server may correspond to the server 150 or the payment server 340 described above. The order information receiving unit 1510 may receive order information generated and transmitted by the payment server through the network 170 .

The password may include a simple payment password for processing authentication and user authentication of payment through the user's payment method registered in the payment service provided by the payment server, and through the password transmitted from the electronic device to the payment server , the payment server may pre-authenticate the payment for the product or service that the user wants to order through the connection for ordering with the company before the actual payment is processed.

In step 1620 , the payment requesting unit 1520 may request payment of an order according to the connection to the payment server using information and order information input from the manager of the company based on the connection with the user. For example, the payment request unit 1520 may control the electronic device 2 120 to generate a payment request message including at least a payment amount and an order number and transmit it to the payment server through the network 170 . In this case, the payment server may post-process the actual payment of the payment amount according to the order number according to the request of the electronic device 2 120 , and generate payment completion information to the user's electronic device and the electronic device 2 which is a device of the company. 120, respectively.

In step 1630, the receipt providing unit 1530 may provide a payment receipt according to the corresponding order number based on the payment completion information provided from the payment server. For example, the receipt providing unit 1730 may include the electronic device 2 120 or output the payment receipt of the order through a receipt output device (not shown) associated with the electronic device 2 120 . 120) can be controlled.

In step 1640, the delivery status management unit 1540 may manage information on the delivery status of the order. For example, as described with reference to FIG. 9 , the delivery status may be managed such as before delivery, delivery start and delivery completion, and information on the currently set delivery status may be transmitted to the payment server. In this case, the payment server may provide various types of notifications to the user as described with reference to FIG. 10 by using the information on the delivery status.

17 is a block diagram illustrating an example of components that a processor of an orderer's electronic device may include according to an embodiment of the present invention, and FIG. 18 is an orderer's electronic device according to an embodiment of the present invention. It is a flowchart illustrating an example of a method that can be performed.

The electronic device 310 of the orderer may be implemented through the electronic device 1110 as described above. As shown in FIG. 17 , the processor 212 of the electronic device 1110 may include a selection input recognition unit 1710 , a user interface display unit 1720 , a password transmission unit 1730 , and a connection unit 1740 . have.

The processor 212 and components of the processor 212 may control the electronic device 1110 to perform steps 1810 to 1840 included in the payment processing method of FIG. 18 . In this case, the processor 212 and the components of the processor 212 may be implemented to execute an instruction according to a code of an operating system included in the memory 211 or a code of at least one program. Here, the components of the processor 212 may be expressions of different functions of the processor 212 performed by the processor 212 according to a control command provided by a code stored in the electronic device 1110 . can

In step 1810 , the selection input recognition unit 1710 may recognize a selection input of the user for an order function with a company related to an order. As described above, the ordering function may be provided to the user through various media. For example, an order function that includes a specific link through pages for various services provided by the portal site, image codes provided through on/offline, or messages such as SMS messages, MMS messages, instant messages, etc. can be provided to In this case, the selection input recognition unit 1320 may control the electronic device 1110 to recognize the user's input for the order function through the input/output interface 214 of the electronic device 1110 . Here, the user's selection input may include the user's input for a link provided as an order function. For example, when a link included in an online document is displayed on a touch screen screen that the electronic device 1110 may include, an input recognized as a user touches an area of a link displayed on the touch screen screen with a finger It can be recognized as the user's selection input as described above.

In operation 1820 , the user interface display unit 1720 may receive and display a user interface associated with an order function according to the recognized selection input. For example, the ordering function may include a link to a user interface page for entering a password. Such a user interface page may be generated and provided through the payment server. In this case, the user interface providing unit 1720 controls the electronic device 1110 to configure and display the user interface page provided through the link on the screen. By doing so, the user interface can be displayed to the user. Here, the payment server may correspond to the payment server 340 or the server 150 described above.

In step 1830, the password transmission unit 1730 may transmit the password input through the user interface to the payment server. In effect, the password may be communicated to the payment server via the user interface page. For example, the password transmitter 1730 may control the electronic device 1110 to transmit the password to the payment server through the user interface page.

The password may include a simple payment password for processing authentication of payment through a payment method of a user previously registered in a payment service provided by the payment server. In this case, through the password transmitted to the payment server, the payment server authenticates the user, and the payment for the product or service that the user wants to order through connection with the company may be pre-authentication before the actual payment is processed.

In this case, the payment server may transmit order information according to the pre-authentication to the device of the company. Here, the vendor-side device may correspond to the vendor-side device 330 described above. The order information may include an order number and a user's phone number.

In step 1840 , the connection unit 1740 may attempt to connect for an order with a company. For example, the connection unit 1740 controls the electronic device 1110 to attempt a call connection with the phone 320 of the company through the communication module 213 and the telephone network, or using a chat service through the network 170 . You can try to connect to the vendor's device. When the order is completed between the user and the manager of the company through the connection for ordering, the company's device may request payment of the order to the payment server using information and order information input from the manager of the terminal device. As described above, the connection for ordering may be made through chatting between the user and the company as well as a phone connection. In this case, the information input from the manager may include at least the payment amount of the order determined according to the connection for the order. As already described, the information input from the manager may further include information such as the user's address (delivery address), menu (ordered product or service), and scheduled delivery time. In this case, by post-processing the actual payment according to the request for payment from the company-side device in the payment server, the payment of the phone order according to the pre-authentication and post-payment may be completed.

In another embodiment, a separate payment application associated with a payment server may be installed in the electronic device 1110 . In this case, the phone ordering function may drive the payment application and provide the user with a user interface for receiving the user's simple payment password through the payment application. In this case, the electronic device 1110 may transmit the password input through the user interface to the payment server under the control of the payment application.

Information omitted from FIGS. 13 to 18 may refer to FIGS. 1 to 12 .

As such, according to embodiments of the present invention, payment according to an order using a phone call or chatting may be pre-authentication prior to an order, and an actual payment may be post-processed after the order without user involvement. In addition, according to the pre-authentication prior to ordering, it is possible to place an order without providing the user's payment information to the company, thereby increasing the stability of the payment.

The system or device described above may be implemented as a hardware component, a software component, or a combination of a hardware component and a software component. For example, devices and components described in the embodiments may include, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate array (FPGA). , a programmable logic unit (PLU), a microprocessor, or any other device capable of executing and responding to instructions, may be implemented using one or more general purpose or special purpose computers. The processing device may execute an operating system (OS) and one or more software applications running on the operating system. The processing device may also access, store, manipulate, process, and generate data in response to execution of the software. For convenience of understanding, although one processing device is sometimes described as being used, one of ordinary skill in the art will recognize that the processing device includes a plurality of processing elements and/or a plurality of types of processing elements. It can be seen that can include For example, the processing device may include a plurality of processors or one processor and one controller. Other processing configurations are also possible, such as parallel processors.

The software may comprise a computer program, code, instructions, or a combination of one or more thereof, which configures a processing device to operate as desired or is independently or collectively processed You can command the device. The software and/or data may be any kind of machine, component, physical device, virtual equipment, computer storage medium or device, to be interpreted by or to provide instructions or data to the processing device. , or may be permanently or temporarily embody in a transmitted signal wave. The software may be distributed over networked computer systems, and stored or executed in a distributed manner. Software and data may be stored in one or more computer-readable recording media.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded on the medium may be specially designed and configured for the embodiment, or may be known and available to those skilled in the art of computer software. Examples of the computer-readable recording medium include magnetic media such as hard disks, floppy disks and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic such as floppy disks. - includes magneto-optical media, and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

As described above, although the embodiments have been described with reference to the limited embodiments and drawings, various modifications and variations are possible from the above description by those skilled in the art. For example, the described techniques are performed in a different order than the described method, and/or the described components of the system, structure, apparatus, circuit, etc. are combined or combined in a different form than the described method, or other components Or substituted or substituted by equivalents may achieve an appropriate result.

Therefore, other implementations, other embodiments, and equivalents to the claims are also within the scope of the following claims.

Claims (20)

In the method of processing payment in a payment server,
providing an ordering function associated with information on the company to an electronic device through a medium providing information on the company;
providing a user interface page for inputting a password for a simple payment service when the order function is selected by the electronic device;
receiving a password inputted on the user interface page from the electronic device before the connection for ordering between the electronic device and the company;
pre-authentication of a payment for a product or service that the user of the electronic device intends to order through the company using the password before the actual payment is processed;
transmitting order information according to the pre-authentication to the device of the company; and
Receiving a request for payment according to the confirmation of the order from the company's device, and post-processing the actual payment for the requested payment amount according to the received request using the password. How payment is processed. delete delete According to claim 1,
The medium includes at least a portal site providing a search service,
Payment processing method, characterized in that the information on the company and the order function are provided through the search service. According to claim 1,
The pre-authentication step is
The payment processing method, characterized in that the payment is pre-authentication using the password of the simple payment service entered by the user through the user interface page provided through the ordering function. According to claim 1,
The link included in the order function may include (1) an online document provided through the medium, (2) an online or offline image code provided through the medium, or (3) an online or offline image code provided through the medium, or (3) in connection with the medium or the company. Payment processing method, characterized in that included in at least one of the provided SMS (Short Message Service) message, MMS (Multimedia Message Service) message, and the instant message. According to claim 1,
The order information comprises an order number corresponding to an order between the electronic device and a company and a phone number of a user of the electronic device. The method of claim 1, wherein the post-processing comprises:
According to the connection between the electronic device and the company, the payment processing method, characterized in that the order is confirmed using information input from a manager of the company and the order information. The method of claim 8, wherein the post-processing comprises:
Communication with a server of a payment institution corresponding to the payment method of the user registered in the simple payment service, and post-processing the payment pre-authenticated through the simple payment password for the payment amount. According to claim 1,
Through the identification of the user in the medium, the payment processing method, characterized in that for identifying the user in the simple payment service for the pre-authentication. According to claim 1,
The connection for ordering between the electronic device and the company includes a connection using a phone call or a connection using a chatting service. A method for processing a payment in an electronic device, comprising:
receiving, from a medium providing information on the company, an order function associated with the information on the company;
recognizing a user's selection input for the order function;
receiving and displaying a user interface associated with the order function according to the recognized selection input;
transmitting the password of the simple payment service input through the user interface to the payment server;
attempting a connection for an order with the company; and
receiving payment completion information in which the actual payment is post-processed using the password in the payment server for a payment request according to the confirmation of the order;
Payment processing method comprising a. 13. A computer-readable recording medium in which a program for executing the method of any one of claims 1 to 12 in a computer is recorded. In the payment processing system of a payment server that processes payment,
at least one processor implemented to execute computer-readable instructions;
the at least one processor,
Through a medium that provides information about the company, the ordering function associated with the information about the company is provided by an electronic device,
When the order function is selected by the electronic device, providing a user interface page for inputting a password for a simple payment service,
To receive the password entered in the user interface page from the electronic device before the connection for the order between the electronic device and the company,
Before the actual payment is processed, the user of the electronic device pre-authenticates the payment for the product or service that the user wants to order through the company through the password;
Control to transmit order information according to the pre-authentication to the device of the company,
Receiving a request for payment according to the confirmation of the order from the device of the company side, and post-processing the actual payment for the requested payment amount according to the received request using the password
Payment processing system, characterized in that. delete 15. The method of claim 14,
The medium includes at least a portal site providing a search service,
Payment processing system, characterized in that the information on the company and the order function are provided through the search service. 15. The method of claim 14,
The at least one processor, for pre-authentication,
The payment processing system, characterized in that pre-authentication of the payment by using the password of the simple payment service input by the user to the user interface page provided through the order function. 15. The method of claim 14,
According to the connection between the electronic device and the company, the payment processing system, characterized in that the order is confirmed using the information input from the manager of the company and the order information. 19. The method of claim 18,
The at least one processor, to post-process the actual payment,
The payment processing system, characterized in that post-processing the payment amount for the payment pre-authenticated through the simple payment password by communicating with a server of a payment institution corresponding to the payment method of the user registered in the simple payment service. 15. The method of claim 14,
The payment processing system, characterized in that the user is identified in the simple payment service for the pre-authentication through the identification of the user in the medium.

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