KR102395117B1 - Electronic apparatus for processing information for settlement of sold items and method thereof - Google Patents

Abstract

According to the present disclosure, disclosed is a method for processing information in an electronic device. The method comprises: a step of acquiring a settlement request for a sold item sold by a seller; a step of checking whether the settlement request is approved; a step of generating settlement work information including at least a part of information included in the settlement request when the settlement request is approved; and a step of transmitting the settlement work information to a server corresponding to a pre-set method for paying a purchase price.

Description

Electronic device and method for processing information for settlement of sold items

The present disclosure relates to an electronic device for processing information for settlement of a sold item and a method therefor. More specifically, the present disclosure confirms whether the settlement request is approved when the settlement request for the sold item is obtained, and transmits the work information corresponding to the approved settlement request to the server corresponding to the preset payment method. It relates to an electronic device and a method for allowing an item price to be settled.

With the development of electronic technology, e-commerce has become a field of shopping. Customers can purchase items online without going directly to a shopping mall or market, and items purchased online are delivered to a delivery address requested by the customer.

When a customer purchases an item, when and how to settle the amount of the sold item to the seller is a problem. Specifically, if the amount is settled to the seller in real time whenever an item is sold, the resource usage of a server that provides an online item sales service or a server corresponding to a payment method may be excessive, and settlement may be wrong. There may be problems with On the other hand, as the gap between the time when the item is sold and the time when the amount is settled to the seller becomes longer, the seller may have difficulty in reusing the sale amount of the item, and the seller's trust in the item sale service may decrease. There may be problems with

In this regard, reference may be made to prior documents such as KR20050086789A case or KR101602990B1 case.

The problem to be solved by this embodiment is to obtain a settlement request for an item sold by the seller, check whether the settlement request is approved, and, when the settlement request is approved, request settlement in order to solve the above-described problem An object of the present invention is to provide an electronic device and a method for generating settling work information including at least some of the included information and transmitting the settling work information to a server corresponding to a preset payment method.

The technical problems to be achieved by the present embodiment are not limited to the technical problems described above, and other technical problems may be inferred from the following embodiments.

According to an embodiment, a method for processing information in an electronic device includes: obtaining a settlement request for an item sold by a seller; checking whether the settlement request is approved; generating, when the settlement request is approved, settlement operation information including at least a portion of the information included in the settlement request; and transmitting the settlement operation information to a server corresponding to a preset payment method.

According to an embodiment, the settlement request may include at least one of item sales price information of the seller, user information for identifying the seller, and account information set by the seller.

According to an embodiment, the settlement operation information may include at least one of information on an amount to be settled and account information set by the seller.

According to an embodiment, the settlement request and the settlement operation information may include identification information for the settlement request, and it may be possible to check progress information of the settlement operation corresponding to the settlement request based on the identification information.

According to an embodiment, the step of checking whether the approval includes: transmitting at least a portion of the information included in the settlement request to a node that processes accounting-related information; and receiving from the node whether or not to approve the settlement request.

According to an embodiment, a settlement operation corresponding to the settlement request is performed in the server corresponding to the preset payment method based on the settlement operation information, and the settlement operation is based on the amount information included in the settlement operation information. This may be performed by attempting to transfer the corresponding amount from the account for settlement corresponding to the electronic device to the account set by the seller.

According to one embodiment, the information processing method, the step of checking the balance of the account for settlement; and when the balance of the account for settlement is smaller than a preset amount, requesting a transfer of funds to the account for settlement so that the balance of the account for settlement becomes greater than the preset amount.

According to one embodiment, the information processing method, the step of checking the balance of the account for settlement; and when the balance of the account for settlement is smaller than a preset amount, excluding the account for settlement from a list of accounts for performing a settlement operation.

According to an embodiment, based on the settlement operation information, the time at which the server corresponding to the preset payment method will perform the settlement operation corresponding to the settlement request may be determined.

According to an embodiment, the information processing method may further include determining a time to perform a settlement operation corresponding to the settlement request, and the settlement operation information may include information corresponding to the determined time. .

According to an embodiment, when the number of settlement operations to be performed at the time determined to perform the settlement operation exceeds a preset criterion, the information processing method provides a quick response to at least some of the settlement operations to be performed at the determined time. The method may further include requesting approval from a node, wherein the node may be a server that processes accounting-related information.

According to an embodiment, the preset criterion may be set based on the number of settlement tasks that can be processed per unit time in the server corresponding to the preset payment method.

According to one embodiment, the method comprising the steps of: receiving, from a server corresponding to the preset payment method, information on the result of performing at least one of one or more settlement tasks based on the settlement task information; and providing an interface reflecting the result information to the seller.

According to an embodiment, the result information may include at least one of whether a settlement operation corresponding to the settlement request is performed and whether settlement corresponding to the settlement request is successful.

According to an embodiment, the result information may include a reason for failure when the settlement corresponding to the settlement request fails.

According to an embodiment, the result information may include information corresponding to a time to retry the settlement corresponding to the settlement request when the settlement corresponding to the settlement request fails.

According to an embodiment, the interface includes statistical information generated based on the result information, and the statistical information includes, among the number of settlement requests related to the settlement job information, and the settlement requests related to the settlement job information. The number of settlement requests that have performed a settlement operation in response to this, the number of settlement requests that have succeeded in settlement among the settlement requests related to the settlement job information, and the number of settlement requests related to the settlement job information that have failed in response It may include at least one of the number of settlement requests.

An electronic device for processing information according to an embodiment includes a transceiver, a memory for storing instructions, and a processor, wherein the processor is connected to the transceiver and the memory to obtain a settlement request for an item sold by a seller and check whether the settlement request is approved, and when the settlement request is approved, generate settlement operation information including at least a portion of the information included in the settlement request, and a server corresponding to a preset payment method to transmit the settlement operation information.

Specific details of other embodiments are included in the detailed description and drawings.

According to the present disclosure, an electronic device and method for processing information for settlement of a sold item can check whether a settlement request is approved to process the settlement for which the approval is confirmed, and set settlement operation information in advance The server that provides the item sales service or payment is made while not excessively using the resources of the server providing the item sales service or the server corresponding to the payment method by sending it to the server corresponding to the set payment method and allowing the settlement operation to proceed. The settlement operation may be performed according to the capacity of the server corresponding to the method, so that the seller can receive the item amount at an appropriate time.

Effects of the invention are not limited to the effects mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the description of the claims.

1 is a schematic configuration diagram showing a settlement information processing system according to an embodiment.
2 is an operation flowchart of an information processing method of an electronic device in a settlement information processing system according to an embodiment.
3 is a flowchart illustrating an operation in which an electronic device checks whether a settlement request is approved in the settlement information processing system according to an exemplary embodiment.
4 exemplarily illustrates an operation in which a server corresponding to a preset payment method performs a settlement operation and an electronic device providing an interface reflecting result information to a seller in the settlement information processing system according to an embodiment is a drawing for
5 is a diagram for illustratively explaining a series of operations performed for settlement in the settlement information processing system according to an embodiment.
6 is an exemplary diagram of an interface provided by an electronic device according to an embodiment.
7 is an operation flowchart of an information processing method of an electronic device according to an exemplary embodiment.
8 is an exemplary diagram of a configuration of an electronic device for processing item sales information according to an exemplary embodiment.

Terms used in the embodiments are selected as currently widely used general terms as possible while considering functions in the present disclosure, but may vary according to intentions or precedents of those of ordinary skill in the art, emergence of new technologies, and the like. In addition, in a specific case, there is a term arbitrarily selected by the applicant, and in this case, the meaning will be described in detail in the corresponding description. Therefore, the terms used in the present disclosure should be defined based on the meaning of the term and the contents of the present disclosure, rather than the simple name of the term.

In the entire specification, when a part “includes” a certain element, it means that other elements may be further included, rather than excluding other elements, unless otherwise stated. In addition, terms such as “…unit” and “…module” described in the specification mean a unit that processes at least one function or operation, which is implemented as hardware or software, or a combination of hardware and software. can be

The expression “at least one of a, b, and c” described throughout the specification is, 'a alone', 'b alone', 'c alone', 'a and b', 'a and c', 'b and c ', or 'all of a, b, and c'.

The "terminal" referred to below may be implemented as a computer or a portable terminal capable of accessing a server or other terminal through a network. Here, the computer includes, for example, a laptop, a desktop, and a laptop equipped with a web browser, and the portable terminal is, for example, a wireless communication device that ensures portability and mobility. , IMT (International Mobile Telecommunication), CDMA (Code Division Multiple Access), W-CDMA (W-Code Division Multiple Access), LTE (Long Term Evolution) and other communication-based terminals, smartphones, tablet PCs, etc. It may include a handheld-based wireless communication device.

Hereinafter, embodiments of the present disclosure will be described in detail with reference to the accompanying drawings so that those of ordinary skill in the art to which the present disclosure pertains can easily implement them. However, the present disclosure may be implemented in several different forms and is not limited to the embodiments described herein.

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

In describing the embodiments, descriptions of technical contents that are well known in the technical field to which the present invention pertains and are not directly related to the present invention will be omitted. This is to more clearly convey the gist of the present invention without obscuring the gist of the present invention by omitting unnecessary description.

For the same reason, some components are exaggerated, omitted, or schematically illustrated in the accompanying drawings. In addition, the size of each component does not fully reflect the actual size. In each figure, the same or corresponding elements are assigned the same reference numerals.

Advantages and features of the present invention, and a method for achieving them will become apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but may be implemented in various different forms, and only these embodiments allow the disclosure of the present invention to be complete, and common knowledge in the technical field to which the present invention belongs It is provided to fully inform the possessor of the scope of the invention, and the present invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout.

At this time, it will be understood that each block of the flowchart diagrams and combinations of the flowchart diagrams may be performed by computer program instructions. These computer program instructions may be embodied in a processor of a general purpose computer, special purpose computer, or other programmable data processing equipment, such that the instructions performed by the processor of the computer or other programmable data processing equipment are not described in the flowchart block(s). It creates a means to perform functions. These computer program instructions may also be stored in a computer-usable or computer-readable memory that may direct a computer or other programmable data processing equipment to implement a function in a particular manner, and thus the computer-usable or computer-readable memory. It is also possible that the instructions stored in the flow chart block(s) produce an article of manufacture containing instruction means for performing the function described in the flowchart block(s). The computer program instructions may also be mounted on a computer or other programmable data processing equipment, such that a series of operational steps are performed on the computer or other programmable data processing equipment to create a computer-executed process to create a computer or other programmable data processing equipment. It is also possible that instructions for performing the processing equipment provide steps for performing the functions described in the flowchart block(s).

Additionally, each block may represent a module, segment, or portion of code that includes one or more executable instructions for executing specified logical function(s). It should also be noted that in some alternative implementations it is also possible for the functions recited in blocks to occur out of order. For example, two blocks shown one after another may be performed substantially simultaneously, or the blocks may sometimes be performed in the reverse order according to a corresponding function.

1 is a schematic configuration diagram showing a settlement information processing system according to an embodiment.

According to various embodiments, the settlement information processing system 100 includes an electronic device 110 , a seller terminal 120 , and a server 130 corresponding to a preset payment method. According to an embodiment, the settlement information processing system 100 may further include a node 140 for processing accounting-related information. According to an embodiment, the settlement information processing system 100 includes at least some of the electronic device 110 , the seller terminal 120 , the server 130 corresponding to the preset payment method, the node 140 , and other external devices. It may further include a network network supporting transmission and reception of information between the two.

For convenience of explanation, in the drawings of the present specification, the node 140 is illustrated as a separate device from the electronic device 110 , but according to an embodiment, the node 140 may be implemented as a part of the electronic device 110 . there is. Hereinafter, the operation of the node 140 will be described separately from the operation of the electronic device 110 for convenience of explanation. It may be performed as a part of the operation or may be performed as a part of the operation of the electronic device 110 itself.

Each of the electronic device 110 , the seller terminal 120 , and the server 130 corresponding to the preset payment method may include a transceiver, a memory, and a processor. When the node 140 corresponds to an external device distinct from the electronic device 110 , the node 140 may also include a transceiver, a memory, and a processor.

In addition, each of the electronic device 110 , the seller terminal 120 , the server 130 corresponding to the preset payment method and the node 140 means a unit that processes at least one function or operation, which is hardware or It may be implemented by software, or a combination of hardware and software. Meanwhile, in the embodiment, each of the electronic device 110, the seller terminal 120, the server 130 and the node 140 corresponding to the preset payment method are referred to as separate servers, but this may be a logically divided structure. and can be implemented by a separate function in one server.

The seller terminal 120 may correspond to a seller who is a natural person, or may include a seller who is a natural person. Also, the node 140 may correspond to a natural person accounting-related business processing personnel, or may include a natural person accounting-related business processing personnel. However, for convenience of explanation, an embodiment in which the present invention is performed by the settlement information processing system 100 exchanging data with the seller terminal 120 and the node 140 will be described below.

According to an embodiment, the electronic device 110 , the seller terminal 120 , and the server 130 corresponding to the preset payment method may include a plurality of computer systems or computer software implemented as a network server. For example, at least some of the electronic device 110 , the seller terminal 120 , and the server 130 corresponding to the preset payment method may communicate with other network servers through a computer network such as an intranet or the Internet. It may refer to a computer system and computer software that is connected to a device to receive a request for performing a task, perform a task thereon and provide a result of the task. In addition, at least some of the electronic device 110 , the seller terminal 120 , and the server 130 corresponding to the preset payment method include a series of application programs that can operate on the network server, and various databases built therein. It can be understood as a concept in a broad sense including For example, at least some of the electronic device 110, the merchant terminal 120, and the server 130 corresponding to the preset payment method are DOS, Windows, Linux, UNIX, Alternatively, it may be implemented using a network server program that is provided variously according to an operating system such as MacOS.

The electronic device 110 may provide a variety of information by configuring it as a web page. Specifically, the electronic device 110 may be a device serving to provide item sales information to a buyer of an item and a seller of the item. The item is an item displayed by the electronic device 110 and may be an item that a seller wants to sell through a service provided by the electronic device 110 .

The electronic device 110 obtains a settlement request for the item sold by the seller. The settlement request includes, but is not limited to, a request for payment of the item sale price, and the amount determined by considering at least a portion of the amount to be paid by the seller in connection with the sale of the item and at least a portion of the amount to be paid by the seller. may include a request for payment.

The electronic device 110 checks whether the settlement request is approved. According to an embodiment, the electronic device 110 transmits at least a portion of the information included in the settlement request to the node 140 that processes accounting-related information, and receives whether to approve the settlement request from the node 140 . can

When the settlement request is approved, the electronic device 110 generates settlement operation information including at least a portion of information included in the settlement request. The settlement operation information may not be limited to including a single settlement request by one seller. In other words, according to an embodiment, the settlement operation information may include a plurality of settlement requests by one or more sellers.

The electronic device 110 transmits the settlement operation information to the server 130 corresponding to the preset payment method. When the settlement operation information includes a plurality of settlement requests by one or more sellers, the electronic device 110 transmits and receives information compared to the case in which the electronic device 110 individually transmits the settlement request to the server 130 corresponding to a preset payment method. resources can be saved.

According to an embodiment, the electronic device 110 receives the result information of performing at least a part of one or more settlement operations based on the settlement operation information from the server 130 corresponding to the preset payment method, and the received result An interface reflecting the information may be provided to the seller (e.g. to the seller terminal 120).

More details related to the operation of the electronic device 110 will be described later with reference to FIGS. 2 to 5 and the like.

The seller terminal 120 may include a computer device, a mobile communication terminal, and a server. The seller terminal 120 is a terminal operated and managed by the seller, and may be a terminal used by the seller to perform a series of operations for selling items. A series of operations for selling an item may include an operation of transmitting a settlement request for the sold item to the electronic device 110 .

The seller corresponding to the seller terminal 120 is a concept including a vendor in a broad sense, and may include a subject who directly manufactures an item, a subject who receives the item from the subject who manufactures the item, and a subject responsible for the sale. can

Items sold by the seller through the electronic device 110 may be stored in a distribution center corresponding to the electronic device 110 or stored in other external locations, depending on the management method, and in some embodiments, the seller may store the item directly. may be

The server 130 corresponding to the preset payment method is a server for performing a settlement operation, and may correspond to, for example, a server managed by a preset specific financial institution. For example, the server 130 corresponding to the preset payment method may correspond to a server managed by XX Bank. In this case, the preset payment method may correspond to a settlement amount transfer based on account information managed by the server 130 corresponding to the preset payment method. In this case, the account for performing the settlement operation (hereinafter, the account for settlement) is not limited to one, and the account information managed by the server 130 corresponding to the payment method according to the embodiment includes information related to a plurality of accounts. may include

More details related to the operation of the server 130 corresponding to the preset payment method will be described later in FIG. 4 and the like.

The node 140 serves to process accounting-related information, and as described above, may be a separate device from the electronic device 110 or may be implemented as a part of the electronic device 110 . The node 140 may receive at least a portion of the information included in the settlement request from the electronic device 110 , determine whether to approve the settlement request, and transmit it to the electronic device 110 .

More details related to the operation of the node 140 will be described later in FIG. 3 and the like.

Operations related to a series of item sales information processing methods according to various embodiments may be implemented by a single physical device, or may be implemented in a manner in which a plurality of physical devices are organically coupled. For example, some of the components included in the settlement information processing system 100 may be implemented by any one physical device, and the remaining part may be implemented by another physical device. For example, any one physical device may be implemented as a part of the electronic device 110 , and the other physical device is a part of the user terminal 120 or a part of the server 130 corresponding to a preset payment method, a node It may be implemented as part of 140 or as part of other external devices. In some cases, each component included in the settlement information processing system 100 is dispersedly arranged in different physical devices, and the dispersed components are organically combined, so that the function of the settlement information processing system 100 And it may be implemented to perform an operation. For example, the electronic device 110 of the present specification includes at least one sub device, some operations described as being performed by the electronic device 110 are performed by the first sub device, and some operations are performed by the second sub device. It may be performed by the device.

2 is an operation flowchart of an information processing method of an electronic device in a settlement information processing system according to an embodiment.

Referring to FIG. 2 , the electronic device 110 according to an embodiment obtains a settlement request for an item sold by the seller from the seller terminal 120 ( 201 ). The settlement request may include at least one of item selling price information of the seller, user information for identifying the seller, and account information set by the seller. The user information for identifying the seller includes identification information given to the seller by subscribing to the service provided by the electronic device 110 or an ID input by the seller when subscribing to the service provided by the electronic device 110 . or may include identification information corresponding to the seller terminal 120 .

According to one embodiment, the settlement request may include at least one of at least a portion of the amount to be paid by the seller and at least a portion of the amount to be paid by the seller in relation to the sale of the item, in addition to the seller's item sales price information, In some cases, information on the final payment request amount determined in consideration of at least one of at least a portion of the amount to be paid by the seller and at least a portion of the amount to be paid by the seller in relation to the sale of the item may be included.

The electronic device 110 checks whether the settlement request is approved ( 202 ). Referring further to FIG. 3 , the electronic device 110 according to an embodiment transmits at least a portion of the information included in the settlement request to the node 140 that processes the accounting-related information ( 301 ), and from the node 140 . Whether or not to approve the settlement request may be received (302). In this regard, the node 140 may determine whether to approve the settlement request, and the approval response of the node 140 to the settlement request may correspond to a response indicating that there is no problem even if settlement is performed based on the settlement request. there is. On the other hand, the rejection response of the node 140 to the settlement request may correspond to a response informing that a problem may occur when settlement is performed based on the settlement request. In relation to this, when the amount requested for settlement and the amount actually to be settled do not match, when the seller's identity is unclear or the seller cannot be trusted, when an accounting problem occurs during settlement, when settlement A rejection response can be provided in cases such as when a security problem occurs.

According to an embodiment, the determination of whether to approve by the node 140 may be divided into a plurality of times. For example, the determination of whether to approve may be determined by three individual judgment tasks, and the node 140 may perform three individual judgment tasks based on different criteria. In relation to this, the node 140 according to an embodiment includes a plurality of components, and individual determination tasks may be performed by different components.

When the settlement request is approved, the electronic device 110 generates settlement operation information including at least a portion of information included in the settlement request ( 203 ). As described above, the settlement operation information may not be limited to including a single settlement request by one seller. In other words, according to an embodiment, the settlement operation information may include a plurality of settlement requests by one or more sellers.

The settlement operation information may include at least one of information on the amount to be settled and account information set by the seller. The amount information to be settled included in the settlement operation information may be related to item sales price information or final payment request amount information of the seller included in the settlement request.

However, the amount information to be settled does not have to match the seller's item sales price information or the final payment request amount information included in the settlement request. For example, the amount information to be settled may correspond to the amount of a part of the seller's item sales price information.

In this regard, the logic for determining the amount information to be settled by the electronic device 110 is not limited to a specific method. For example, the electronic device 110 may simply determine the amount information to be settled so as to match the seller's item sales price information or the final payment request amount information included in the settlement request, but an approved part of the amount information included in the settlement request The amount information to be settled may be determined to include the amount, and the amount information to be settled may be determined to include some amount of high priority for processing. can

The settlement request may include identification information on the settlement request, and the electronic device 110 may generate settlement operation information including identification information on the settlement request. In this case, it may be possible to check the progress information of the settlement operation corresponding to the settlement request based on the identification information on the settlement request. For example, the electronic device 110 transmits the settlement operation information to the server 130 corresponding to the preset payment method, and then transmits identification information for the settlement request to obtain the settlement operation progress information corresponding to the identification information. can be received in response.

The electronic device 110 transmits the settlement operation information to the server 130 corresponding to the preset payment method ( 204 ). Based on the settlement operation information, a settlement operation corresponding to a settlement request may be performed in the server 130 corresponding to a preset payment method. According to an embodiment, the server 130 corresponding to the preset payment method transfers the amount corresponding to the amount information included in the settlement operation information from the settlement account corresponding to the electronic device 110 to the account set by the seller. You can do the settlement work by trying.

Further details related to the operation of the server 130 corresponding to the preset payment method performing the settlement operation will be described later with reference to FIG. 4 .

According to an embodiment, the transmission of the settlement operation information may be performed based on a preset application programming interface (API) between the electronic device 110 and the server 130 corresponding to a preset payment method. In addition, the settlement operation is performed according to the settlement operation information based on the preset API, or the result information of performing at least a part of one or more settlement operations from the server 130 corresponding to the preset payment method may be transmitted. . In addition, at least some of the operations described throughout the specification may be performed based on a preset API between operating entities.

4 exemplarily illustrates an operation in which a server corresponding to a preset payment method performs a settlement operation in the settlement information processing system according to an embodiment and an operation in which the electronic device provides an interface reflecting result information to the seller is a drawing for

Referring to FIG. 4 , the server 130 corresponding to a preset payment method according to an embodiment may perform a settlement operation corresponding to a settlement request based on settlement operation information received from the electronic device 110 . (401). As described above, the server 130 corresponding to the preset payment method attempts to transfer the amount corresponding to the amount information included in the settlement operation information from the settlement account corresponding to the electronic device 110 to the account set by the seller. work can be done.

In relation to this, the account for settlement is an account for withdrawing an amount corresponding to the amount information included in the settlement operation information, and may be an account determined based on approval of at least one of the electronic device 110 and the node 140 . According to an embodiment, the electronic device 110 periodically deposits the item sales amount in the settlement account, deposits the item sales amount in the settlement account when there is a request for settlement, or predicts the settlement request in advance and puts it in the settlement account. You can deposit the item sales amount, or deposit the item sales amount to the account for settlement in real time according to the item sale.

According to an embodiment, the electronic device 110 may check the balance of the account for settlement and check whether the balance of the account for settlement is smaller than a preset amount. The preset amount may be an amount corresponding to the amount information included in the settlement operation information, but is not limited thereto. For example, the preset amount may correspond to the amount set in the service operation level so that the settlement operation can be smoothly processed even when the settlement operation is concentrated at a specific time period.

When the balance of the account for settlement is smaller than the preset amount, the electronic device 110 may request a deposit of funds into the account for settlement or directly process the deposit of funds so that the balance of the account for settlement becomes greater than the preset amount. Through this, the electronic device 110 may manage the account for settlement so that the balance of the account for settlement is maintained at a predetermined amount or more.

Alternatively, when the balance of the account for settlement is smaller than a preset amount, the electronic device 110 may exclude the account for settlement from the list of accounts for performing the settlement operation. In this case, by using another account included in the list of accounts for performing the settlement operation, the server 130 corresponding to the preset payment method sets the amount corresponding to the amount information included in the settlement operation information by the seller You can try to transfer money to one account. In relation to this, the list of accounts for performing the settlement operation may include one or more accounts corresponding to the electronic device 110 and used for the settlement operation.

According to an embodiment, the server 130 corresponding to the preset payment method may determine whether account information included in the settlement operation information is valid. Determination of whether the account information is valid includes determining whether the account number included in the account information corresponds to an actually existing account, and whether the account holder included in the account information and the account number included in the account information correspond to each other can do.

According to an embodiment, the electronic device 110 may determine whether the account information included in the settlement request is valid, and the determination of whether the account information is valid corresponds to an account in which the account number included in the account information actually exists. It may include determining whether or not and whether the account holder included in the account information and the account number included in the account information correspond to each other.

The server 130 corresponding to the preset payment method may determine a time to perform a settlement operation corresponding to the settlement request based on the settlement operation information. The time for performing the settlement operation may be determined in consideration of whether the item amount can be settled in an appropriate time by the seller and securing the efficiency of the operation. For example, the time for performing the settlement operation may be determined as a time interval that can maximize the efficiency of the operation within 24 hours after receiving the settlement operation information.

According to an embodiment, the time to perform the settlement operation corresponding to the settlement request may be determined by the electronic device 110 . In this case, the electronic device 110 may generate the settlement operation information to include information corresponding to the determined time to perform the settlement operation.

According to an embodiment, the information transmission/reception capacity of the electronic device 110, the information transmission/reception capacity of the server 130 corresponding to the preset payment method, and processing per unit time in the server 130 corresponding to the preset payment method The time to perform the settlement operation may be determined by further considering at least one of the capacities corresponding to the number of settlement operations that can be performed. In this case, at the time to perform the settlement operation, the electronic device 110 must transmit and receive excessive information in a specific time section, or the server 130 corresponding to the preset payment method must transmit and receive excessive information in a specific time section, or , it may be determined so that a case in which the settlement account has to perform an excessive number of settlement operations in a specific time period does not occur.

According to one embodiment, when the number of settlement tasks to be performed at the time it is decided to perform the settlement operation exceeds a preset criterion, a quick approval for at least some of the settlement operations to be performed at the determined time is sent to the node 140 . you can request This may be to prevent performing an excessive number of settlement operations at a specific time. In relation to this, the preset criterion may be set based on the number of settlement tasks that can be processed per unit time in the server 130 corresponding to the preset payment method.

In relation to the preset standard, the number of settlement tasks that can be processed per unit time in the server 130 corresponding to the preset payment method is to be processed per unit time in the server 130 corresponding to the preset payment method. It may mean the total amount of settlement operations that can be performed, but is not limited thereto. For example, according to an embodiment, the number of settlement tasks that can be processed per unit time in the server 130 corresponding to the preset payment method is allocated per unit time in relation to the account for settlement corresponding to the electronic device 110 . It may mean the number of settlement operations that can be processed according to available resources.

The server 130 corresponding to the preset payment method may transmit, to the electronic device 110, result information of performing at least a part of one or more settlement operations based on the settlement operation information received from the electronic device 110 ( 402). In this case, the one or more settlement operations may include a settlement operation corresponding to the settlement request obtained in the operation of reference numeral 201 . According to an embodiment, the result information of performing at least a part of one or more settlement operations may include at least one of whether a settlement operation corresponding to one or more settlement requests is performed and whether settlement is successful in response to one or more settlement requests. there is. In relation, whether the settlement operation is performed means whether or not an attempt is made to transfer the amount corresponding to the amount information included in the settlement operation information from the settlement account corresponding to the electronic device 110 to the account set by the seller. Even if it fails, if the transfer is attempted, it may be judged that the settlement operation has been performed.

According to an embodiment, the result information may include additional information related to a case in which the settlement fails. As a related example, the result information may include a reason for the failure when the settlement fails. As another related example, the result information may include information corresponding to a time to retry the settlement when the settlement fails.

The electronic device 110 may provide an interface reflecting the result information to the seller terminal 120 ( 403 ). The interface may display the result information in a form that the seller can recognize.

According to an embodiment, the interface may process and display result information. For example, the interface may include statistical information generated based on the result information, and the statistical information performs a settlement operation in response to the number of settlement requests related to the settlement job information and settlement requests related to the settlement job information. Include at least one of the number of settlement requests, the number of settlement requests that have succeeded in settlement among settlement requests related to settlement job information, and the number of settlement requests that have failed in response to settlement among settlement requests related to settlement job information can In addition, when the result information according to an embodiment includes additional information such as information related to a case in which settlement fails, the interface may display at least some of the additional information in a form recognizable by the seller.

An example related to the interface reflecting the result information will be described later with reference to FIG. 6 .

5 is a diagram for illustratively explaining a series of operations performed for settlement in the settlement information processing system according to an embodiment.

5, in the settlement information processing system 100 according to an embodiment, settlement data for each seller is calculated (501), the calculated settlement data is stored (503), and settlement price based on the calculated settlement data Payment request information related to the payment request may be generated (502). According to an embodiment, operations 501 to 503 may be performed by the electronic device 110 . In the case of the operation of reference number 502, the electronic device 110 provides to the seller what is the expected settlement amount based on the payment request information, instead of immediately starting the settlement operation based on the payment request information, and in response to this, the seller Upon receiving a request for settlement of at least a portion of the settlement amount from

The stored settlement data includes user information for identifying the seller, amount information to be settled, fee for service provision of the electronic device 110, amount information corrected by the electronic device 110, payment date, settlement type, and seller It may include at least some of the account information (bank information, account number information, account holder information, etc.) set by and the reliability of the seller.

The electronic device 110 having obtained the settlement request from the seller may request a plurality of payment approvals from the back office or check whether payment is approved ( 504 ). The back office may correspond to the node 140 of FIG. 1 . Whether the payment is approved depends on at least part of the account information set by the seller and the account information internally queried by the node 140, the amount information to be settled, the amount information corrected by the electronic device 110, and the reliability of the seller. can be judged based on

According to an embodiment, after the calculated settlement data is stored ( 503 ), the electronic device 110 checks whether payment is approved corresponding to reference number 504 according to the settlement type or pays the individual wallet for each seller It may be determined whether or not to do so, and when the electronic device 110 directly pays the individual wallet for each seller, the operations of reference numerals 504 to 509, which will be described later, may be omitted. In this case, the seller can receive the payment immediately by making a withdrawal request to the wallet.

In this regard, the settlement type to perform the confirmation of payment approval corresponding to the drawing number 504 and the settlement type to pay the payment to the personal wallet for each seller can be flexibly determined, for example, a small business and a personal wallet with a certain level of reliability or higher For operators who have agreed to the terms and conditions of settlement service through

When payment approval is confirmed, the electronic device 110 may request a payment to the server 130 corresponding to a preset payment method (corresponding to the transmission of the above-described settlement operation information). In addition, the electronic device 110 according to an embodiment may generate payment-related transfer information ( 505 ) and transmit it to the account 506 for settlement. However, since the transfer operation may be entrusted to the server 130 corresponding to the preset payment method, the operation of generating transfer information (505) and transmitting the transfer information to the account 506 for settlement according to an embodiment may be omitted. .

The server 130 corresponding to the preset payment method may perform payment processing according to the payment request ( 507 ). The payment processing may correspond to the operation of withdrawing the requested amount from the account 506 for settlement and transferring it to the account 508 set by the seller. Thereafter, the server 130 corresponding to the preset payment method may transmit the payment result information 509 including a result of performing at least a part of one or more settlement operations to the electronic device 110 .

6 is an exemplary diagram of an interface provided by an electronic device according to an embodiment.

Referring to FIG. 6 , the electronic device 110 according to an embodiment may provide an interface reflecting result information to the seller terminal 120 . The interface may display the result information in a form recognizable by the seller ( 600 ).

According to an embodiment, the interface may include statistical information 610 generated based on the result information, and the statistical information 610 is "total number of cases: 5", which is the number of settlement requests related to settlement operation information. , "Number of successful settlement requests: 5", which is the number of settlement requests that have succeeded in settlement among settlement requests related to settlement job information, and the number of settlement requests that are being processed in response to settlement requests related to settlement job information It may include information such as “number of cases in processing: 0 cases” and “number of failures: 0 cases”, which is the number of settlement requests that have failed to be settled in response thereto among settlement requests related to settlement job information.

In addition, the statistical information 610 according to an embodiment may further include amount information related to the information, for example, total amount information corresponding to the total number of cases, information on the amount of successful settlement corresponding to the number of successful cases, and the number of cases being processed. It may include information on the amount of money in the process of settlement corresponding to , and information on the amount of money in which settlement has failed corresponding to the number of failures.

In addition, the interface provided by the electronic device 110 according to an embodiment may include additional information related to a case in which settlement fails, and an example thereof may include a reason for failure. According to an example, an icon for displaying settlement failure details is provided on the interface provided by the electronic device 110, and settlement failure details including a reason for failure may be provided according to a user input to the icon.

According to an embodiment, the interface provided by the electronic device 110 may include an interface 620 for inquiring a list of settlement targets. The interface 620 for inquiring the list of settlement objects receives the identification information for the time (year/month) and settlement request associated with the acquisition of the settlement request or the performance of the settlement operation, and performs a list or settlement operation corresponding to the settlement request A list of settlement targets including a list of results can be output. In relation to this, the interface 620 for inquiring the list of settlement targets may further include an icon for downloading the list of settlement targets as a separate file, and an example of the icon may include text such as “Excel file request”. can

7 is an operation flowchart of an information processing method of an electronic device according to an exemplary embodiment.

Referring to FIG. 7 , the electronic device 110 according to an embodiment obtains a settlement request for an item sold by a seller ( 710 ). Settlement request includes, but is not limited to, payment request for item sales price.

The electronic device 110 checks whether the settlement request is approved ( 720 ). According to an embodiment, the electronic device 110 transmits at least a portion of the information included in the settlement request to the node 140 that processes accounting-related information, and receives whether to approve the settlement request from the node 140 . can

When the settlement request is approved, the electronic device 110 generates settlement operation information including at least a portion of information included in the settlement request ( 730 ). According to an embodiment, the settlement operation information may include a plurality of settlement requests by one or more sellers.

The electronic device 110 transmits the settlement operation information to the server 130 corresponding to the preset payment method ( 740 ).

According to an embodiment, the electronic device 110 receives the result information of performing at least a part of one or more settlement operations based on the settlement operation information from the server 130 corresponding to the preset payment method, and the received result An interface reflecting the information may be provided to the seller terminal 120 .

8 is an exemplary diagram of a configuration of an electronic device for processing item sales information according to an exemplary embodiment.

Referring to FIG. 8 , the electronic device 110 includes a transceiver 810 , a processor 820 , and a memory 830 . The electronic device 110 may be connected to the seller terminal 120 , the server 130 corresponding to a preset payment method, the node 140 , and other external devices through the transceiver 810 , and may exchange data.

The processor 820 may include at least one of the devices described above with reference to FIGS. 1 to 7 , or perform at least one method described above with reference to FIGS. 1 to 7 . The memory 830 may store information for performing at least one method described above with reference to FIGS. 1 to 7 (including at least a portion of information on a result of performing at least a portion of information on settlement operations and one or more settlement operations). . The memory 830 may be a volatile memory or a non-volatile memory.

The processor 820 may control the electronic device 110 for executing a program and providing information. The code of the program executed by the processor 820 may be stored in the memory 830 .

In addition, the electronic device 110 according to an embodiment may further include an interface capable of providing information to a user.

On the other hand, in the present specification and drawings, preferred embodiments of the present invention have been disclosed, and although specific terms are used, these are only used in a general sense to easily explain the technical content of the present invention and to help the understanding of the present invention, It is not intended to limit the scope of the invention. In addition to the embodiments disclosed herein, it is apparent to those of ordinary skill in the art that other modifications based on the technical spirit of the present invention can be implemented.

The electronic device or terminal according to the above-described embodiments includes a processor, a memory for storing and executing program data, a permanent storage such as a disk drive, a communication port for communicating with an external device, a touch panel, and a key (key) ), user interface devices such as buttons, and the like. Methods implemented as software modules or algorithms may be stored on a computer-readable recording medium as computer-readable codes or program instructions executable on the processor. Here, the computer-readable recording medium includes a magnetic storage medium (eg, read-only memory (ROM), random-access memory (RAM), floppy disk, hard disk, etc.) and an optically readable medium (eg, CD-ROM). ), and DVD (Digital Versatile Disc)). The computer-readable recording medium may be distributed among network-connected computer systems, so that the computer-readable code may be stored and executed in a distributed manner. The medium may be readable by a computer, stored in a memory, and executed on a processor.

This embodiment may be represented by functional block configurations and various processing steps. These functional blocks may be implemented in any number of hardware and/or software configurations that perform specific functions. For example, an embodiment may be an integrated circuit configuration, such as memory, processing, logic, look-up table, etc., capable of executing various functions by means of the control of one or more microprocessors or other control devices. can be hired Similar to how components may be implemented as software programming or software components, this embodiment includes various algorithms implemented in a combination of data structures, processes, routines, or other programming constructs, including C, C++, Java ( Java), assembler, Python, etc. may be implemented in a programming or scripting language. Functional aspects may be implemented in an algorithm running on one or more processors. In addition, the present embodiment may employ the prior art for electronic environment setting, signal processing, and/or data processing. Terms such as “mechanism”, “element”, “means” and “configuration” may be used broadly and are not limited to mechanical and physical configurations. The term may include the meaning of a series of routines of software in association with a processor or the like.

The above-described embodiments are merely examples, and other embodiments may be implemented within the scope of the claims to be described later.

Claims (19)

A method for processing information in an electronic device providing an item sale service, the method comprising:
Receiving a settlement request for the item sold by the seller from the seller terminal;
checking whether the settlement request is approved;
generating, when the settlement request is approved, settlement operation information including at least a portion of the information included in the settlement request; and
transmitting the settlement operation information to a financial service server corresponding to a preset payment method;
The step of checking whether the settlement request is approved is
Comprising the step of determining whether a problem may occur when the settlement is performed based on the settlement request,
The step of generating the settlement operation information is
Settlement corresponding to the settlement request based on at least one of the information transmission/reception capacity of the electronic device, the information transmission/reception capacity of the financial service server, and the number of settlement operations that can be processed per unit time in the financial service server determining when to perform the task; and
Information processing method comprising the step of generating the settlement operation information to include the determined time.
According to claim 1,
The settlement request is
information on the sale price of the seller's item;
user information to identify the seller; and
Account information established by the seller
Information processing method comprising at least one of.
According to claim 1,
The settlement operation information is
Information on the amount you want to settle and
Account information established by the seller
Information processing method, characterized in that it further comprises at least one of.
According to claim 1,
The settlement request and the settlement operation information further include identification information for the settlement request,
Information processing method, characterized in that it is possible to check the progress information of the settlement operation corresponding to the settlement request based on the identification information.
According to claim 1,
The step of checking whether the approval is
transmitting at least a portion of the information included in the settlement request to a node that processes accounting-related information; and
and receiving from the node whether or not to approve the settlement request.
According to claim 1,
A settlement operation corresponding to the settlement request is performed in the server corresponding to the preset payment method based on the settlement operation information,
The settlement operation is performed by attempting to transfer an amount corresponding to the amount information included in the settlement operation information from an account for settlement corresponding to the electronic device to an account set by the seller.
According to claim 1,
checking the balance of the account for settlement; and
When the balance of the account for settlement is smaller than a preset amount, the method further comprising the step of requesting a transfer of funds to the account for settlement so that the balance of the account for settlement becomes greater than the preset amount.
According to claim 1,
checking the balance of the account for settlement; and
When the balance of the account for settlement is smaller than a preset amount, the method further comprising the step of excluding the account for settlement from a list of accounts for performing a settlement operation.
delete delete According to claim 1,
When the number of settlement tasks to be performed at the determined time exceeds a preset criterion, the method further comprising the step of requesting a node for quick approval of at least some of the settlement tasks to be performed at the determined time,
The node is an information processing method, characterized in that the server for processing accounting-related information.
12. The method of claim 11,
The preset criterion is an information processing method, characterized in that it is set based on the number of settlement tasks that can be processed per unit time in a server corresponding to the preset payment method.
According to claim 1,
receiving, from a server corresponding to the preset payment method, result information of performing at least a part of one or more settlement operations based on the settlement operation information; and
The information processing method further comprising the step of providing an interface reflecting the result information to the seller.
14. The method of claim 13,
The result information is
Whether or not a settlement operation corresponding to the settlement request is performed; and
Whether the settlement corresponding to the settlement request is successful
Information processing method comprising at least one of.
15. The method of claim 14,
The result information is
When the settlement corresponding to the settlement request fails, the information processing method comprising the failure reason.
15. The method of claim 14,
The result information is
and when the settlement corresponding to the settlement request fails, information corresponding to the time to retry the settlement corresponding to the settlement request is included.
14. The method of claim 13,
the interface is
Includes statistical information generated based on the result information,
The statistical information is
the number of settlement requests related to the settlement operation information;
The number of settlement requests that have performed a settlement operation in response thereto among the settlement requests related to the settlement operation information;
The number of settlement requests that have succeeded in settlement in response thereto among settlement requests related to the settlement job information; and
The number of settlement requests that have failed to settle in response thereto among the settlement requests related to the settlement job information
Information processing method comprising at least one of.
A computer-readable non-transitory recording medium in which a program for executing the method of claim 1 in a computer is recorded.
An electronic device for providing an item sale service, comprising:
a transceiver, a memory for storing instructions, and a processor;
The processor is connected to the transceiver and the memory,
Receives a settlement request for an item sold by the seller from the seller terminal, checks whether the settlement request is approved, and when the settlement request is approved, settlement including at least a portion of information included in the settlement request generating job information, and transmitting the settlement job information to a financial service server corresponding to a preset payment method;
In order to confirm whether the settlement request is approved, the processor determines whether a problem may occur when settlement is performed based on the settlement request,
In order to generate the settlement job information, the processor is configured to at least one of the information transmission/reception capacity of the electronic device, the information transmission/reception capacity of the financial service server, and the number of settlement operations that can be processed per unit time in the financial service server. The electronic device is configured to determine a time to perform a settlement operation corresponding to the settlement request based on the settlement request, and to generate the settlement operation information to include the determined time.

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