KR102394125B1 - A method and a system for providing subscription payment service - Google Patents

Abstract

The present invention relates to a method for providing a subscription payment service. The method includes the following steps of: generating a subscription payment product related to subscription of a specific product based on an input received from a server; in a case where a payment request is received from a user terminal with respect to the subscription payment product, executing payment with respect to the subscription payment product by transmitting information related to the payment request to a payment target server; receiving a billing key from the payment target server in a case where the payment is completed, in which the billing key is related to automatic payment for the subscription payment product; storing a matching key generated based on the billing key; transmitting a payment completion result including the matching key to the server and the user terminal; and repeatedly executing the payment using the billing key in accordance with a payment cycle related to the subscription payment product. The present invention is a technique developed through "AI-based Smart Payment Recovery Solution 'Step Cover'" of the Seoul Business Agency (4th Seoul Innovation Challenge preliminaries, 2020) (SC200022).

Description

A method and a system for providing a subscription payment service {A method and a system for providing subscription payment service}

The present invention relates to a subscription payment product builder for real product, content and software subscription payment, and a method and system for providing subscription payment for the payment. In more detail, not only the creation of physical subscription products that require regular delivery, but also the setting of various price options such as contract, penalty, and first purchase discount, as well as a subscription that allows billing according to the usage of intangible products such as content and software It relates to a method and system that can easily make a payment and make a payment.

Subscription payment is a payment method that is used all over the world, both online and offline. Subscription products, such as subscriptions to various software or intangible content such as Netflix and YouTube, along with regular delivery of physical products such as razors and clothes, are used in a variety of ways regardless of product category. That's how big a market is.

However, in order for merchants to operate a subscription service at present, except for the simple monthly recurring payment method, all must be developed directly by programming. A programmer is absolutely necessary to develop a subscription service, and the programmer also needs to consume more than 2 months of development time and maintenance time for it.

In particular, software subscriptions and content subscriptions that require usage-based billing implementation also require a process of measuring and calculating the amount of usage.

In addition, additional efforts are required to implement the refund process of such subscription products. If payment with multiple contract terms such as usage-based and penalty is implemented, a structural design for refund should be accompanied.

If a system to set these various payment conditions is developed, it is not just a simple subscription payment for regular delivery, but a number of business payments such as regular payment, subscription payment, rental payment with various conditions set, software subscription payment, rental content payment, etc. Service deployment becomes easy. In particular, since all domestic PG and simple payment services do not provide the same payment function as above, it is expected to be of great help in revitalizing businesses that require subscription payment and recurring payment.
The present invention is a technology developed through the "AI-based smart payment recovery solution 'Step Cover'" (SC200022), Seoul Industry Promotion Agency (2020 4th Seoul Innovation Challenge Preliminary).

An object of the present invention is to enable the implementation of various payment methods without a developer by using an easy subscription product builder in operating a subscription payment service.

Another object of the present invention is to allow various conditions to be added to recurring payment and periodic payment generation, so that not only subscription payment but also repeated payment of various conditions such as rental payment, rental payment, penalty-based contract payment, and pay-as-you-go It is to facilitate the introduction of a business that can be made.

Another object of the present invention is to introduce a measurement-based payment charging system such as usage-based payment to facilitate the establishment of a software and content payment system and a smooth refund process.

Another object of the present invention is to provide a product management system, which is not performed by conventional payment services and payment interworking services, integrated with the payment system, so that it is possible to introduce a payment system and a sales management system that can sell subscription products directly without a shopping mall. .

Another object of the present invention is to help facilitate the work of developers and non-developers by building a system capable of implementing more diverse subscription and regular payment services through SDK, API-based service introduction along with software development for subscription payment. Another object of the present invention is to ultimately promote the activation of a more active subscription economy market by introducing such an easy subscription payment generation system.

The technical problems to be achieved in this specification are not limited to the technical problems mentioned above, and other technical problems not mentioned will be clearly understood by those of ordinary skill in the art to which the present invention belongs from the description below. will be able

A method for providing a subscription payment service according to an embodiment of the present specification includes, based on an input received from a server, generating a subscription payment product related to a subscription of a specific product, a user terminal executing a payment for the subscription payment product by transmitting information related to the payment request to a payment target server when receiving a payment request for the subscription payment product from receiving, the billing key is related to automatic payment of the subscription payment product, storing a matching key generated based on the billing key, and sending a payment completion result including the matching key to the server and the user transmitting to the terminal and repeatedly executing the payment using the billing key according to a payment cycle related to the subscription payment product.

The payment is characterized in that it is executed when the matching key received from the server according to the payment cycle matches the stored matching key.

The generating of the subscription payment product includes the steps of setting type related information of the specific product, and setting payment related information of the subscription payment product based on the type related information and generating the subscription payment product by using the type-related information and the payment-related information.

The type-related information includes a type of the specific product and basic information according to the type, and the basic information includes a product name, product code, stock keeping unit code (SKU code), a representative image, Information on at least one of product description, inventory quantity, one-time sale or not, whether an experience period related to the product is provided, or whether the product is delivered may include information.

The payment-related information may include information on one or more plans based on the type of the specific product. The plan may include detailed settings related to payment of the subscription payment product. The detailed setting includes a subscription payment price, a unit related to the determination of the subscription payment price, the payment cycle, a payment method, a payment date, whether to set a billing related to the usage of the specific product, the basic usage of the specific product, and the usage of the specific product It may include at least one of a related measurement period, the maximum number of purchases, a subscription validity period, whether to provide a discount related to the first purchase, or whether to provide a discount for a bulk purchase.

When the plan includes a charging setting related to the usage of the specific product, the payment may be performed for an amount based on the usage determined based on the measurement period.

The amount based on the determined usage is i) an amount according to the payment price when the determined usage does not exceed the basic usage, ii) the payment price and excess usage when the determined usage exceeds the basic usage It may be an amount including the price according to

The payment is identified based on a subscription number, the subscription number is a number generated during the initial payment for the subscription payment product, and the order numbers generated each time the payment is repeatedly performed are one subscription number may be related to

The matching key is based on a specific character string mapped to the billing key, and the specific character string may include a character string generated based on the current time and a randomly generated character string.

The method may further include performing refund processing for the subscription payment product when receiving a request related to a preset event from the user terminal.

The preset event may be subscription interruption or subscription interruption of some users among all users according to a unit related to determination of a subscription payment price.

When the subscription of the partial user is interrupted, the refund processing may be performed by deducting the payment amount related to the partial user from the payment amount according to the next payment cycle.

A subscription payment system for performing a method for providing a subscription payment service according to another embodiment of the present specification controls the communication unit to transmit and receive information related to a communication unit for transmitting and receiving a wireless signal, a memory, and a subscription payment product (subscription payment product) and a control unit for controlling the memory to store information related to the subscription payment product, and executing payment for the subscription payment product.

The control unit generates the subscription payment product related to the subscription of a specific product based on the input received from the server, and when receiving a payment request for the subscription payment product from the user terminal, the payment target server The payment for the subscription payment product is executed by transmitting information related to the request, and when the payment is completed, a billing key is received from the payment target server, the billing key is related to automatic payment of the subscription payment product, and the Storing a matching key generated based on a billing key, transmitting a payment completion result including the matching key to the server and the user terminal, and using the billing key according to a payment cycle related to the subscription payment product It is set to execute payment repeatedly.

The payment is characterized in that it is executed when the matching key received from the server according to the payment cycle matches the stored matching key.

A computer-readable medium according to another embodiment of the present specification includes instructions that, when executed by an electronic device, cause the electronic device to perform an operation.

The instructions are program code for generating a subscription payment product related to a subscription of a specific product, based on an input received from the server, when receiving a payment request for the subscription payment product from a user terminal Program code for executing payment for the subscription payment product by transmitting information related to the payment request to a payment target server, program code for receiving a billing key from the payment target server when the payment is completed, and the billing key is the subscription Related to automatic payment of payment products, a program code for storing a matching key generated based on the billing key, a program code for transmitting a payment completion result including the matching key to the server and the user terminal, and the subscription payment and a program code for repeatedly executing the payment using the billing key according to a product-related payment cycle.

The payment is characterized in that it is executed when the matching key received from the server according to the payment cycle matches the stored matching key.

According to the embodiment of the present specification, the time and cost required for the product seller to implement the creation of the subscription payment product and the execution of the payment of the subscription payment product can be reduced. In addition, the effect of promoting the revitalization of the subscription economy can be expected.

According to the embodiment of the present specification, repeated payment according to the payment cycle is executed using a billing key corresponding to the matching key when the matching key received from the server (seller) matches the stored matching key. Therefore, when repeated payment is performed for a subscription payment product, security can be improved through authentication using a matching key while minimizing exposure of the billing key.

According to the embodiment of the present specification, the subscription payment product is generated based on the setting of type-related information. The type-related information includes a type of the specific product and basic information according to the type, and the basic information includes a product name, product code, stock keeping unit code (SKU code), a representative image, It includes information on at least one of product description, stock quantity, one-time sale, whether a trial period related to the product is granted, or whether the product is delivered. Accordingly, it is possible to support subscription payment services for various tangible and intangible products provided by the seller.

According to the embodiment of the present specification, the subscription payment product is generated based on the setting of payment related information. The payment-related information includes information on one or more plans based on the type of the specific product, and the plan includes detailed settings related to payment of the subscription payment product. The detailed setting includes a subscription payment price, a unit related to the determination of the subscription payment price, the payment cycle, a payment method, a payment date, whether to set a billing related to the usage of the specific product, the basic usage of the specific product, and the usage of the specific product and at least one of a measurement period related to , the maximum number of purchases, the validity period of a subscription, whether to provide a discount related to the first purchase, or whether to provide a discount for a bulk purchase.

As described above, even for the same product, a subscription payment product including a plurality of plans based on various price options/payment options may be generated. Therefore, by diversifying the sales method of the same product, it is possible to provide a subscription payment service suitable for the economic situation and preference of the buyer and to contribute to the increase of the seller's profit.

The effects obtainable in the present invention are not limited to the above-mentioned effects, and other effects not mentioned will be clearly understood by those of ordinary skill in the art to which the present invention belongs from the following description. .

1 is a network configuration diagram for performing subscription payment according to an embodiment of the present specification.
2 is a flowchart illustrating a method for providing a subscription payment service according to an embodiment of the present specification.
3 is a table summarizing the types of product types according to an embodiment of the present specification.
4 is a screen illustrating an example of a product type selection process provided to a user according to an embodiment of the present specification.
5 is a table of basic product information for each product type that can be input for each product type according to an embodiment of the present specification.
6 is a screen illustrating an example of providing a process for inputting basic product information when a product according to an embodiment of the present specification is a software product type.
7 is a table summarizing the types of price option setting values used for product price setting according to an embodiment of the present specification.
8 is a screen illustrating an example of providing a plan input process capable of setting a plurality of prices when a product according to an embodiment of the present specification is a software product type.
9 is a diagram illustrating a simplified transaction data table used in the subscription payment system according to an embodiment of the present specification.
10 is a screen illustrating an example of a product sales management program that may be provided according to an embodiment of the present specification.
11 is a diagram illustrating code information transmitted when a merchant requests a payment to a subscription payment system according to an embodiment of the present specification.
12 is a flowchart illustrating refund processing for subscription payment using measurement-based billing technology according to an embodiment of the present specification.
13 is a screen illustrating an example of a price setting template provided for setting a price according to an embodiment of the present specification.
14 and 15 are screens illustrating an example of a simplified subscription product builder according to an embodiment of the present specification.
16 is a flowchart illustrating a method for providing a subscription payment service according to an embodiment of the present specification.

Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the accompanying drawings. DETAILED DESCRIPTION The detailed description set forth below in conjunction with the appended drawings is intended to describe exemplary embodiments of the present invention and is not intended to represent the only embodiments in which the present invention may be practiced. The following detailed description includes specific details in order to provide a thorough understanding of the present invention. However, it will be apparent to one skilled in the art that the present invention may be practiced without these specific details.

The present invention relates to a subscription payment product builder for real product, content and software subscription payment, and a method and system for providing subscription payment for the payment, and more particularly, to a subscription payment including regular payment, a penalty setting for the same, and a free period Product builders and product builders that can easily set various options such as setting and shorten the development period of payment for subscription products such as content and software by providing measurement-based payment (metered billing) options such as usage-based and per-person payment It relates to a method and system for providing a payment system. This system can be directly implemented in online payment providers such as PG, credit card, and simple payment, and is developed with a flexible structure that can be applied to offline payments such as PoS payments as well as payment interworking services that link the above methods. In addition, it is possible to provide a service that can be linked to product management services such as e-commerce and can simultaneously create products for which subscription payment is possible without a separate e-commerce page.

A subscription payment product builder for real product, content and software subscription payment according to the present invention, and a method and system for providing subscription payment for the payment The steps of inputting product type information for each type of product according to the product type information of the information, the step of entering basic product information for each product type, and the selection of various price option information by the merchant based on the inputted information a price setting step of entering the price of a single item or subscription product and creating a product, receiving the product information generated above and linking the information with a management service such as an e-commerce program or PoS; If there is, executing a payment based on the generated product information, performing a payment process by linking the subscription payment purchase information requested by the user with a payment company server, according to the payment company process, If necessary, generating a matching key of the billing key, transmitting the payment completion result information, transmitting the payment completion result information to a user, and operating the payment completion result as an e-commerce program It characterized in that it comprises the step of linking with the product information of the program.

According to the present invention, an easy subscription product creation method is provided in a complex process of creating a product that can be paid for subscription, and in particular, in the sale of intangible products such as content and software subscription, a complex payment product such as usage-based payment is created. convenience can be achieved.

First, let's look at the overall system structure of the present invention.

1 is a network configuration diagram for performing subscription payment according to an embodiment of the present specification. Specifically, FIG. 1 is a diagram illustrating a network configuration for performing subscription payment on the Internet.

As shown in FIG. 1 , the affiliate store directly registers its product in the server 140 , 150 of the management service such as an e-commerce program for sale, and the user who is the end user uses his/her smartphone, PC, or PoS in case of offline payment. The information on the product is accessed using the terminals 110, 120, and 130 of the card reader using the system. The product is created and managed by the subscription payment system 160 consisting of a plurality of modules that can set the product, subscription price and conditions, and various payment servers 170, 180, 190 affiliated with the affiliated store through the communication network according to the user's payment request. After requesting payment to the credit card company server 220, payment is performed. In the case of an App-to-App payment, which is a transaction between accounts of a bank, the payment is closed at the bank server 210 .

Hereinafter, a subscription product creation process through the subscription payment product builder will be described in detail with reference to the accompanying drawings.

According to one aspect of the present invention, for the process of generating a subscription and recurring payment product, the step of inputting product type information for generating a subscription product by the affiliated store, and the affiliated store for each type of product according to the product type information of the information A step of inputting basic product information; a price setting step of generating a product by inputting the price of a single item or a subscription product by a merchant selecting various price option information based on the inputted information; linking information with a management service such as an e-commerce program or PoS, executing a payment based on the generated product information when a user requests a payment, and purchasing a subscription payment requested by the user The steps of linking information with a payment company server to perform a payment process; generating a matching key of a billing key when necessary according to the payment company process; transmitting the payment completion result information; Subscription for real product, content and software subscription payment, comprising the steps of: transmitting payment completion result information to a user; and linking the payment completion result with product information of an operating program such as an e-commerce program A payment product builder and a subscription payment providing method for the payment are provided.

Hereinafter, a subscription payment product builder for real product, content, and software subscription payment and a subscription payment providing method and system for the payment according to an embodiment of the present invention will be described with reference to the drawings. In addition, the order of product types, basic product information, price options, and various conditions used for price setting for subscription product creation following the description below may be changed as needed, and appropriate conditions may be added or deleted.

2 is a flowchart illustrating a method for providing a subscription payment service according to an embodiment of the present specification. Specifically, FIG. 2 is a diagram illustrating a flowchart of a method for generating a subscription payment product and providing payment for the subscription payment product according to the present invention.

The affiliate store can create a subscription product that the user can purchase through a total of three steps (S120, S130, and S140). That is, the subscription payment system may generate a subscription payment product based on an input received from an affiliated store (eg, a server or an electronic device having a communication function). Hereinafter, the input of the affiliate store may correspond to an operation of setting information for the subscription payment system to generate a subscription payment product based on the input. Here, the affiliated store is a seller who sells a subscription product through a subscription payment service, and the user corresponds to a buyer who purchases the subscription product. In addition, in terms of input and transmission/reception of subscription product-related information, the affiliate store may be referred to as a server, and the user may be referred to as a user terminal.

In step S120, the affiliate store inputs product type information for generating a subscription product. The merchant can choose the type of product. The subscription payment system sets product type information based on the input of the affiliated store.

The reason for dividing the product types is to preferentially show necessary information in order to promote the convenience of consumer usability because different sales methods and various price options for automatic payment are different for each type of product.

Product types include: i) physical products that can be shipped or received directly; ii) intangible products such as content and software; and iii) products that combine two or more products (bundles).

In the case of a real product, there is a difference in product basic information on delivery or receipt, and there may be differences in payment methods.

Intangible content and software have differences such as free trial period, download file upload function and usage-based billing model.

In the case of bundled products, it can be used to bundle and sell parasitic products.

3 is a table summarizing the types of product types according to an embodiment of the present specification. Specifically

3 is a diagram illustrating information corresponding to product types arranged in a table format.

The corresponding product type can be classified into more subdivided types according to the request for use of the merchant, and can be reconfigured to fit new types of product and service sales. 4 illustrates an embodiment of a screen provided to a user to perform the above process.

In the next step (S130), the affiliate store inputs basic product information for each type of product according to the product type information selected in the previous step. That is, the subscription payment system sets basic product information based on the input of the affiliated store.

5 illustrates basic product information for each product type that can be input for each product type.

Basic information of real products includes product name, product code or SKU code, product description that can be edited with a rich text editor along with a representative image, and option information to set options such as product inventory quantity, one-time sale availability and color. can

In the case of intangible products, basic information is similar to real products, but a trial period can be given according to the characteristics of content and software, and delivery can be selected as needed. The basic product name, product code or SKU code, representative image, product description, product inventory quantity, one-time sale, and option setting are the same, but specific product information may be added or deleted due to the characteristics of the product.

A bundle product provides a screen to select a product to be combined, so that two or more previously created subscription products can be selected and made into one product. 6 is a view showing a screen providing an input process of basic product information corresponding to software among product types.

In step S140, the affiliate store selects various price option information based on the basic product information input above, inputs the price of a single item or a subscription product, and a subscription (payment) product is generated accordingly. That is, the subscription payment system generates a subscription payment product based on the product type information and price setting information.

Since the price setting option value that can be used when setting the price also differs for each product type, information selected according to the first selected type may be pre-placed and provided to the affiliated store. Through this, when a franchisee selects a specific type of product, it is possible to increase the convenience of inputting basic product information and avoid confusion with the provided information.

According to an embodiment of the present invention, it is possible to generate not only a subscription payment product that can be repeatedly paid through the above-described steps, but also a conventional single product payment product. A one-time payment, that is, a single item payment product, shows a different appearance in the product creation process and payment method of subscription payment products. The biggest difference is the price setting process that allows you to adjust the value of various options. Accordingly, first, differences between individual products and their pricing methods will be described.

Single item payment products can be sold one-time without repeated payment. The price setting values that can be adjusted when setting the price are the price, unit (case, piece, per person, per measurement), whether to provide a discount for the first purchase, and discount price. You can set pricing options such as , additional billing options, product settings, and bulk purchase discounts.

The price option setting for single item payment products may also vary depending on the type of product selected above. In the case of software, you can select whether to download or upload a file to be downloaded and set the price. can be set.

On the other hand, in the case of subscription sales products, there is a big difference between the basic price of a product that can be set in a conventional single-item payment product capable of one-time purchase and information on setting various price options. First, I will explain the difference in the basic price setting.

In the subscription payment product, a plurality of prices may be set for one product, unlike the existing single product payment product in which one price setting is subordinated to one product.

For example, if you look at Kakao Work, Kakao's business messenger, it is divided into standard, premium, and enterprise plans according to functional restrictions, and the individual prices are also different. In addition, for billing, a monthly subscription plan in which billing increases according to the number of people is adopted. Although it is a single rate plan, a payment method in which the amount of payment increases according to the number of users was set, and multiple billing rate plans were separated for one product.

The above-described payment method cannot be set in a service such as a conventional e-commerce program. Accordingly, the present invention is implemented in a structure in which each product can have a plurality of prices in order to generate a subscription payment product. Subscription products can use the plan function that allows multiple price settings. A plan may independently set various price options, and a plurality of plans may be placed/set in one product.

A plan may include various price option settings along with a plan name and plan description as an independent price setting. Pricing option settings include price, weekly/daily/monthly configurable subscription cycle, unit, prepaid and postpaid billing method, with billing time setting when billing method is postpaid, first purchase discount Whether provision, introduction and installation costs, penalty according to contract period, basic provision amount and automatic additional charge setting, maximum number of purchases per account, expiration date, additional charge product option product setting, bulk purchase discount setting, download item Check and upload functions may be included.

7 is a diagram illustrating price option setting information that can be used when setting a price. The arrangement and combination of these various price option set values may be different depending on the type of product selected above, and the combination may be changed according to the preference of the affiliated store. In addition, by placing a plurality of plans in one product, it is possible to set the structure more suitable for subscription payment. Through this process, merchants can create various price settings, such as not only paying for subscriptions for real products, but also providing intangible services using subscription payments, software subscriptions, rentals, and usage-based billing such as mobile phone bills.

8 shows a screen provided for setting a price option when setting a software subscription plan according to an embodiment of the present invention, and the set value of the price option can be freely arranged and deleted by the affiliated store. In order to set a plan for the subscription sales product as described above, a technical structure different from the functions supported by the conventional single item payment is required.

The present invention provides a technical basis more suitable for subscription payment using two technical ideas.

The first is due to the transaction database table structure. Hereinafter, the transaction data table for subscription payment will be described.

A conventional electronic commerce page and offline product management program such as PoS stores payment information in a transaction database table. In the transaction database table, information about payment is input and may include information such as an order number, payment product, payment amount, and payment status.

Most of the conventional e-commerce services that support single item payment were able to create and manage a transaction database table based on the order number. changed and cannot be managed with the conventional structure. Therefore, in the present invention, a transaction database structure different from that of the prior art is realized for the implementation of subscription payment. The subscription payment system uses a subscription code value called a subscription number, which is a separate identification key. Like a payment order number, the subscription number has a structure in which identification number values are sequentially increased when one subscription payment occurs. However, it is generated based on the subscription rather than increasing for each payment, and even if there are multiple payments in one subscription, the initially generated subscription number is used as the reference value.

In addition, this subscription number is used as a reference identification value for all subscription payment transaction data tables, and information on the completion result of subscription payment includes the subscription number, order number, subscription payment product, subscription payment amount, subscription payment status, subscription payment count, etc. may contain information.

9 is a simplified view of the above-described transaction data table in a table format. Accordingly, all transactions have an identification value called a subscription code (subscription number), and even if subscription payment continues, the initially assigned subscription number is identified as the upper subscription number, indicating that one subscription payment is being made even if the order numbers are different. can be checked Through this, it is possible to provide an analysis of sales trends for each subscription plan and an efficient inventory management function when operating an actual franchise.

Next, the difference in the second technical structure is due to the measurement-based billing technology structure that is responsible for the measurement and calculation of billing according to the setting of various price option settings. do.

The measurement-based billing technology does not simply repeat billing according to the cycle through the various price option settings described above, but uses usage-based billing such as additional billing for calls and text messages used in excess of the basic usage provided by the mobile phone bill. In the event that the payment is performed or the billing period is deferred, the billing is performed by calculating the date of use until the billing time arrives, the introduction fee or installation fee is included in the billing amount, or the cancellation penalty according to the period can be set by setting the contract period. It is possible to create various payment models such as performing billing.

Although this is an essential function for payment for intangible content and software, the development and maintenance of such subscription payment can be an additional burden for merchants.

The corresponding subscription payment system 160 of FIG. 1 may be implemented in a structure that is composed of a plurality of modules to enable the above-described measurement-based billing.

Specifically, the subscription payment system includes a member module (A310) for managing member information, an order management module (A320) for managing e-commerce order information, a product management module (A330) for managing the generated product, and setting of product price options This possible price modeling module (A340), the usage measurement module (A350) that records the usage by receiving a signal from the affiliated store, the measured usage information is used to calculate the amount to be charged using the setting value of the price modeling module Metered billing module (A360), payment module (A370) for requesting payment to a payment company using the above information, billing module (A380) for transmitting the corresponding payment result information or payment request information or sending receipt information, repeat It may include a payment recovery module (A390) that transmits a payment recovery message when the payment fails. Until the next payment date of the user's subscription payment arrives, the usage measurement module A350 of the subscription payment system collects the user's usage in order to perform repeated payment according to additional billing or price option setting. The usage measurement module collects information related to the billing of products and services operated by the affiliated store. The module is provided in the form of a programming language, script language and API, for usage collection, and the merchant is responsible for collecting usage information by installing it in software and services, or by using the API to send and collect usage information.

The collected information includes all measurement information affecting the billing associated with the basic price set in the price option setting value, the option billing information set in the basic provision amount/automatic additional charge, and the billing option product that the customer can select. This information may be different for each affiliate store. When the subscription payment date arrives, the usage record information received from the usage measurement module A350 is transmitted to the metered billing module A360. The metered billing module A360 calculates the amount to be charged additionally according to the usage up to the payment due date based on the price option setting value set for the subscription product set in the price modeling module A340. Thereafter, the calculated billing amount performs a payment request through the payment module A370, and a result of the payment request and a receipt are generated through the billing module A380. Next, the result transmission value for the payment is recorded through the plurality of modules A310, A320, and A330, and the recorded value is transmitted to the e-commerce page of the affiliated store.

A technical basis for a subscription payment system can be implemented through such a data table structure and base charging technology for subscription payment.

The configuration of the above-described subscription payment system is only an example, and the subscription payment system does not necessarily have to be implemented to include the corresponding configurations. That is, the subscription payment system may be implemented with fewer or more configurations than the aforementioned configurations.

As an example, the subscription payment system controls the communication unit to i) a communication unit for transmitting and receiving wireless signals, ii) a memory, and iii) to transmit and receive information related to a subscription payment product, and control the memory to store information related to the subscription payment product And, it may be implemented to include a control unit for executing payment for the subscription payment product. The controller may control the communication unit and the memory to perform operations of the above-described modules A310 to A390.

Hereinafter, the existing steps of FIG. 2 will be described. The product information generated through the above-described process is directly sold using the invoice function of the subscription payment system in step S150 of FIG. so you can start selling.

10 illustrates a screen for providing information that can be directly managed by the subscription payment system without operating a separate sales program. Thereafter, the user selects a subscription product and makes a payment request by using information that allows the affiliated store to select a payment method through step S160 .

When the subscription payment system receives payment request information that has undergone a normal authentication process in step S170, it performs a payment request to the payment company server.

In the subsequent step (S180), the payment process of the payment company affiliated with the affiliated store is performed. Another technical difference in subscription payment is that payment companies such as credit card companies automatically make payments on the next payment date in order to make repeated payments without the user's consent each time, or a programming language for recurring payments in a similar way. is to use

A billing key that automatically performs recurring payments is a structure that makes automatic payments easy, but if the corresponding billing key is exposed, there is a risk that payment may occur without the user's consent. Accordingly, according to the present invention, the billing key structure can be utilized to provide a subscription payment builder and a subscription payment method. However, as mentioned above, in order to solve the security vulnerability of the billing key, a more stable subscription payment system can be built by generating a matching key of the billing key when necessary by the affiliated store.

Hereinafter, a billing key-corresponding matching key technology that can solve the security problem of the billing key will be described.

Conventional payment companies automatically generate a user's billing key when a user's subscription payment is completed. Upon completion of the subscription payment by the user's request in step S180, the payment company generates and stores a unique billing key in the payment interworking company server or affiliated store server. When the payment is completed in step S190, the subscription payment system receives a billing key from the payment target server. The subscription payment system stores the corresponding billing key in a server (or memory), and at the same time generates and stores a matching key corresponding to the corresponding billing key. The subscription payment system may transmit the matching key to the user and the affiliated store by including the matching key in payment completion result information to be described later. The merchant stores the matching key and can use it for repeated payment requests to the subscription payment system in the future.

The matching key may be based on a specific character string mapped to the billing key. The specific character string may include a character string generated based on the current time and a randomly generated character string. For example, the string generated based on the current time may be based on a unix timestamp key. The randomly generated string may be a string generated by a random number function. The matching key may be composed of a combination of the unix timestamp key and a random character string.

In a more specific embodiment, the matching key may be composed of a character string such as 1591344362243MtefNTZTCvWXPIY5. The string is transmitted together when a merchant requests payment and only when the unique matching key is authenticated (that is, only when the matching key stored in the subscription payment system matches the matching key received from the merchant), the payment module sends the merchant billing The key will be used to proceed with the recurring payment process.

11 is a view showing simplified code information transmitted when a merchant requests a payment to a subscription payment system. By using such a matching key, it is possible to minimize the exposure of the billing key through the communication network during the payment process. Also, when a security issue of the matching key occurs, the connection (mapping relationship) between the matching key and the corresponding billing key is cut and discarded to ensure the safety of the billing key. can promote

In step S210, the subscription payment system transmits payment completion result information to the user and the affiliated store. The payment completion result information may include the matching key. In step S220, the user may receive the payment completion result information sent through a message server or the like.

In step S230, the payment completion result information is linked with sales information in a product operation management program such as an e-commerce program to close the process.

As another example of the present invention, a refund process may be performed when subscription cancellation occurs, such as a user's suspension of subscription service use or a partial subscription interruption of a total number of people using the measurement-based billing technology. In addition, this process utilizes measurement-based billing technology that can be used not only for refunds but also when additional users are added midway.

12 is a diagram illustrating a process of providing refund information, such as cancellation of a subscription, using measurement-based billing technology.

When the subscription payment system receives departure information such as a decrease in the number of team members using the subscription service (S910) or information related to the suspension of the subscription service itself (S1110), a refund processing process must be performed.

When the subscription payment system receives the information of the churning user in step S920, the usage measurement module calculates the remaining subscription period of the churning user through the subscription product purchase history in step S930. The usage measurement module receives the user's additional billing information and sends it to the metered billing module. In step S940, the metered billing module calculates a refund amount according to the user's remaining period and contract conditions by using the information received from each module unit. The user may receive the calculation result information through step S950 or step S1120.

The refund procedure for the following refund procedure is different for users who have left some people and users who have stopped using them.

First of all, a user with some number of departures has a residual amount due to user departure, but if use continues, there is an amount to be paid on the next subscription payment date. You can choose to deduct. This can reduce additional payment fees for refunds, remittance fees, or simplify the tax process. If the above function is used, in step S960, the affiliate store may perform payment by subtracting the carried forward residual amount from the charged subscription payment amount. Alternatively, the carryover amount may be accurately specified, and the remaining balance may be converted into virtual points of the affiliated store for flexible use. The user can use the converted point amount as a deduction when the next subscription payment arrives, or, if desired, can use the points to purchase other products at the affiliated store. After the point conversion of the balance is performed by the metered billing module, the user may receive information about the result of processing the balance in step 970 .

Next, a user who has completely stopped using the subscription service may receive a refund for the calculated amount if the remaining amount can be returned. In step S1130, the user may receive a result after the refund processing is performed.

The refund procedure may be different depending on the service policy of the affiliated payment company in charge of payment. However, if the remaining contract period of the user who has completely stopped using the service remains or additional billing such as a penalty is required, the metered billing module may proceed with the user's additional billing procedure when exiting. The additional billing amount can be delivered to the user's channel (e-mail, text message, messenger, etc.) through the billing module with a function that allows immediate payment, and the user can complete the service suspension after making this received payment.

Finally, the subscription payment product builder and subscription payment system that proceed through the above process can be simplified and provided for higher usability and convenience. By providing a price setting template prepared in advance with the above complex price setting process, or by providing a function of a simple product builder that creates a product by simply entering brief information, it can promote the use of merchants and induce the general public to participate in the subscription economy. there is.

Next, FIG. 13 shows a screen for pre-creating and providing plan price setting values with high usability by combining various price option setting values in the price setting stage. Merchants can easily run it by simply selecting a pre-made template.

14 and 15 show an embodiment of a screen for providing simplified product builder information that can quickly create a product by reducing the steps of the subscription product builder. Merchants can complete product registration quickly after entering only brief information as shown in the drawing without using a complicated price setting method.

Embodiments of the present invention include computer-readable media containing various computer-based programs and program instructions. The computer readable medium includes a hard disk, a CD-Rom, a DVD, and a hardware device that stores and executes specific program instructions, such as a ROM, RAM, and flash memory. In addition, the program instructions include language codes that can be executed in a computer together with various machine language codes. As described above, the present invention has been described with limited embodiments and drawings, but is not limited to the above embodiments, and this is not limited to the present invention. Various modifications and variations are possible from these descriptions by those of ordinary skill in the art. Accordingly, the present invention should be construed only by the claims set forth below, and all equivalents or equivalent modifications thereof fall within the scope of the present invention. something to do.

Hereinafter, a method for providing a subscription payment service in terms of an operation of a subscription payment system based on the embodiments described above with reference to FIGS. 1 to 15 will be described in detail with reference to FIG. 16 .

16 is a flowchart illustrating a method for providing a subscription payment service according to an embodiment of the present specification.

Referring to FIG. 16 , the method for providing a subscription payment service according to an embodiment of the present specification includes a subscription payment product creation step (S1610), a payment execution step (S1620), a billing key reception step (S1630), and a matching key storage It includes a step (S1640), a step of transmitting the payment completion result (S1650), and a step (S1660) of repeating payment according to the payment cycle.

Hereinafter, the subscription payment system controls the communication unit to transmit and receive information related to a communication unit, a memory, and a subscription payment product that transmits and receives wireless signals, and controls the memory to store information related to the subscription payment product, It will be described on the premise that a control unit for executing payment for the subscription payment product is included. However, this is for convenience of explanation, and operations according to each step to be described later may be performed by each module A310 to A390 of the subscription payment system 160 of FIG. 1 .

In S1610, the control unit generates a subscription payment product (subscription payment product) related to a subscription (subscription) of a specific product based on the input received from the server. Here, the server may correspond to the above-described affiliate store or an electronic device of a seller selling the specific product.

The step S1610 may include a type-related information setting step, a payment-related information setting step, and a product creation step. This embodiment may be based on S120 to S140 of FIG. 2 .

In the type-related information setting step, the control unit sets type related information of the specific product. The type-related information may include a type of the specific product and basic information according to the type. The basic information above includes product name, product code, stock keeping unit code (SKU code), representative image, product description, stock quantity, one-time sale, whether a trial period related to the product is granted, or delivery of the product It may include information on at least one of whether or not

In the payment related information setting step, the control unit sets payment related information of the subscription payment product based on the type related information. The payment-related information may include information on one or more plans based on the type of the specific product. The plan may include detailed settings related to payment of the subscription payment product. The detailed setting includes a subscription payment price, a unit related to the determination of the subscription payment price, the payment cycle, a payment method, a payment date, whether to set a billing related to the usage of the specific product, the basic usage of the specific product, and the usage of the specific product It may include at least one of a related measurement period, the maximum number of purchases, a subscription validity period, whether to provide a discount related to the first purchase, or whether to provide a discount for a bulk purchase.

In the product creation step, the control unit generates the subscription payment product by using the type-related information and the payment-related information.

In S1620, when receiving a payment request for the subscription payment product from the user terminal, the control unit executes payment for the subscription payment product by transmitting information related to the payment request to a payment target server.

In S1630, when the payment is completed, the control unit receives a billing key from the payment target server. The billing key may be related to automatic payment of the subscription payment product. Specifically, when the payment is completed, the payment target server may generate a billing key and transmit it to the subscription payment system and the user terminal. The controller may store the received billing key and generate a matching key using the corresponding billing key.

In S1640, the control unit stores the matching key generated based on the billing key in the memory. According to an embodiment, the matching key may be based on a specific string mapped to the billing key. The specific character string may include a character string (eg, a unix timestamp key) generated based on the current time and a randomly generated character string (eg, a character string generated by a random number function).

In S1650, the control unit transmits the payment completion result including the matching key to the server and the user terminal.

In S1660, the control unit repeatedly executes the payment using the billing key according to a payment cycle related to the subscription payment product. According to the payment cycle, the server may transmit a payment request including the matching key to the subscription payment system. In this case, payment can be executed only when authentication is performed through the matching key. Specifically, the payment may be executed when the matching key received from the server according to the payment cycle matches the stored matching key.

According to an embodiment, when a billing setting related to the usage of the specific product is included in the plan included in the payment-related information, the payment may be performed for an amount based on the usage determined based on the measurement period. .

The amount based on the determined usage is i) an amount according to the payment price if the determined usage does not exceed the basic usage, ii) if the determined usage exceeds the basic usage, the payment price and excess usage It may be an amount including the price according to

According to an embodiment, the payment may be identified based on a subscription number. The subscription number is a number generated during the initial payment for the subscription payment product, and the order numbers generated whenever the payment is repeatedly performed may be related to one subscription number.

The method may further include a refund processing step.

In the refund processing step, when receiving a request related to a preset event from the user terminal, the control unit may perform refund processing for the subscription payment product.

According to an embodiment, the preset event may be subscription interruption or subscription interruption of some users among all users according to a unit related to determination of a subscription payment price.

According to an embodiment, in the case of interruption of the subscription of the partial user, the refund processing may be performed by deducting the payment amount related to the partial user from the payment amount according to the next payment cycle.

The embodiments described above are those in which elements and features of the present invention are combined in a predetermined form. Each component or feature should be considered optional unless explicitly stated otherwise. Each component or feature may be implemented in a form that is not combined with other components or features. In addition, it is also possible to configure an embodiment of the present invention by combining some elements and/or features. The order of operations described in the embodiments of the present invention may be changed. Some features or features of one embodiment may be included in another embodiment, or may be replaced with corresponding features or features of another embodiment. It is obvious that claims that are not explicitly cited in the claims can be combined to form an embodiment or included as a new claim by amendment after filing.

Embodiments according to the present invention may be implemented by various means, for example, hardware, firmware, software, or a combination thereof. In the case of implementation by hardware, an embodiment of the present invention provides one or more application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), FPGAs ( field programmable gate arrays), a processor, a controller, a microcontroller, a microprocessor, and the like.

In the case of implementation by firmware or software, an embodiment of the present invention may be implemented in the form of modules, procedures, functions, etc. that perform the functions or operations described above. The software code may be stored in the memory and driven by the processor. The memory may be located inside or outside the processor, and may transmit/receive data to and from the processor by various known means.

It is apparent to those skilled in the art that the present invention may be embodied in other specific forms without departing from the essential characteristics of the present invention. Accordingly, the above detailed description should not be construed as restrictive in all respects but as exemplary. The scope of the present invention should be determined by a reasonable interpretation of the appended claims, and all modifications within the equivalent scope of the present invention are included in the scope of the present invention.

Claims (13)

A method for providing a subscription payment service, implemented by a processor, comprising:
setting a product type and basic product information having different price option values according to the product type;
generating a subscription payment product related to a subscription in which a condition used for price setting of a specific product is determined based on the product selection input and the price option information input received from the server;
executing payment for the subscription payment product by transmitting information related to the payment request to a payment target server when a payment request for the subscription payment product is received from the user terminal;
receiving a billing key from the payment target server when the payment is completed, wherein the billing key is related to automatic payment of the subscription payment product;
storing a matching key generated based on the billing key;
transmitting a payment completion result including the matching key to the server and the user terminal;
and repeatedly executing the payment using the billing key according to a payment cycle related to the subscription payment product,
The payment is
It is executed when the billing key received from the server according to the payment cycle matches the stored billing key,
The matching key is based on a specific string mapped to the billing key,
The specific string is a method for providing a subscription payment service, characterized in that it includes a string generated based on the current time and a randomly generated string. According to claim 1,
The method for providing a subscription payment service further comprising; providing a template for inputting basic product information by combining the product type input and the different price option setting values. According to claim 1,
The basic information above includes product name, product code, stock keeping unit code (SKU code), representative image, product description, stock quantity, one-time sale, whether a trial period related to the product is granted, or delivery of the product A method for providing a subscription payment service, characterized in that it includes information about at least one of whether or not. According to claim 1,
The subscription payment product includes detailed settings related to payment,
The detailed setting includes a subscription payment price, a unit related to the determination of the subscription payment price, the payment cycle, a payment method, a payment date, whether to set a billing related to the usage of the specific product, the basic usage of the specific product, and the usage of the specific product A method for providing a subscription payment service, comprising at least one of a measurement period related to, the maximum number of purchases, the subscription validity period, whether to provide a discount related to the first purchase, or whether to provide a discount for bulk purchase. 5. The method of claim 4,
Method for providing a subscription payment service, characterized in that when the detailed setting includes a billing setting related to the usage of the specific product, the payment is performed for an amount based on the usage determined based on the measurement period . 6. The method of claim 5,
The amount based on the determined usage amount,
i) if the determined usage does not exceed the basic usage, it is an amount according to the payment price, ii) when the determined usage exceeds the basic usage, the amount including the payment price and the price according to the excess usage A method for providing a subscription payment service with According to claim 1,
Have a transaction data table for the subscription payment,
The payment is identified based on a subscription number in the transaction data table,
The subscription number is a number generated during the initial payment for the subscription payment product,
The method for providing a subscription payment service, characterized in that the order numbers generated each time the payment is repeatedly performed are identified by the subscription number generated at the time of the initial payment as the upper subscription number. delete According to claim 1,
When a request related to a preset event is received from the user terminal, performing refund processing for the subscription payment product; the method for providing a subscription payment service further comprising a. 10. The method of claim 9,
The method for providing a subscription payment service, characterized in that the preset event is subscription suspension or subscription suspension of some users among all users according to a unit related to determination of a subscription payment price. 11. The method of claim 10,
In the case of suspension of subscription of some of the above users,
The method for providing a subscription payment service, characterized in that the refund processing is performed by deducting the payment amount related to the partial user from the payment amount according to the next payment cycle. In the subscription payment system for performing a method for providing a subscription payment service,
a communication unit for transmitting and receiving radio signals;
Memory; and
A control unit configured to control the communication unit to transmit and receive information related to a subscription payment product, to control the memory to store information related to the subscription payment product, and to execute a payment for the subscription payment product; includes but,
The control unit is
Set product basic information having different price option values according to the type of product and the type of product,
Based on the product selection input received from the server and the price option information input, generating the subscription payment product related to a subscription in which a condition used for price setting of a specific product is determined,
When a payment request for the subscription payment product is received from the user terminal, the payment for the subscription payment product is executed by transmitting information related to the payment request to a payment target server,
When the payment is completed, a billing key is received from the payment target server, and the billing key is related to automatic payment of the subscription payment product,
Storing the matching key generated based on the billing key,
Transmitting a payment completion result including the matching key to the server and the user terminal,
It is set to repeatedly execute the payment using the billing key according to a payment cycle related to the subscription payment product,
The payment is
It is executed when the billing key received from the server according to the payment cycle matches the stored billing key,
The matching key is based on a specific string mapped to the billing key,
The specific character string is a subscription payment system, characterized in that it includes a character string generated based on the current time and a randomly generated character string. A computer-readable medium comprising instructions that, when executed by an electronic device, cause the electronic device to perform an operation, comprising:
The commands are
a program code for generating a subscription payment product related to a subscription in which a condition used for price setting of a specific product is determined based on the product selection input and the price option information input received from the server;
a program code for executing payment for the subscription payment product by transmitting information related to the payment request to a payment target server when receiving a payment request for the subscription payment product from the user terminal;
a program code for receiving a billing key from the payment target server when the payment is completed, the billing key being related to automatic payment of the subscription payment product;
Storing the matching key generated based on the billing key,
Transmitting a payment completion result including the matching key to the server and the user terminal,
and a program code for repeatedly executing the payment using the billing key according to a payment cycle related to the subscription payment product,
The payment is
It is executed when the billing key received from the server according to the payment cycle matches the stored billing key,
The matching key is based on a specific string mapped to the billing key,
The specific character string comprises a character string generated based on the current time and a character string randomly generated.

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