KR20050005727A - integrated settlement system and method thereof - Google Patents

Abstract

PURPOSE: A system and a method for integrated settlement using a single account through the network are provided to enable a user to easily use electronic money and simplify a settlement process by integrating the user's accounts for the EC(Electronic Commerce) and using an integrated account. CONSTITUTION: An account generator(21) generates the single account matched with multiple user IDs and stores it to an issuance database by assigning an account number to the generated account. A card issuer(22) issues the Han-pass for each account and stores related information to an issuance database(12). The first settlement processor(23) performs operation for the Han-coin settlement, and includes a charging part(23a), a transferring part(23b), and a settlement part(23c). The second settlement processor(24) performs the operation for the Han-pass settlement, and includes a settlement approval part(24a) and a billing part(24b). A transaction particulars inquiry part(25) provides transaction particulars to the user based on the information stored in each database(11-15).

Description

Integrated settlement system and method through network

The present invention relates to a payment system and a method thereof, and more particularly, to an integrated payment system and a method through a network such as the Internet.

Recently, with the development of information and communication technology and the explosive spread of global communication infrastructure such as the Internet, e-commerce is emerging as a new mode of economic activity that overcomes time and space constraints. Electronic commerce (EC) can be defined in many ways from a variety of perspectives, but in general, all commerce activities for buying and selling goods and services in the cyberspace, such as the Internet, between individuals, corporations, and governments, are supported. It can be defined as a series of actions that include activities that do.

As a payment method used in the electronic commerce, various types of payment methods, such as a prepaid card type, a credit card type, a deposit transfer type, and an electronic money type, are used.

Recently, payments using electronic money (including electronic payment means for electronic commerce such as cyber money and visa cache) have increased due to the convenience of small payments occurring in the use of contents. Such an electronic money payment method typically gives a user an account for electronic money, and performs payment for the user's electronic commerce using the electronic money charged in the account.

However, since the accounts for electronic money settlement are managed separately for each site, the user may not be able to use even if there is electronic money. For example, if the balance of the account of another site is sufficient, but the electronic money of the account granted at the site where the current transaction is concluded is insufficient, the payment can not be made.

Therefore, the technical problem to be achieved by the present invention is to integrally manage the user's accounts for electronic commerce on the network.

In addition, another technical problem to be achieved by the present invention is to enable the user to easily use electronic money through an integrated account.

In addition, another technical problem to be achieved by the present invention is to simplify the payment process through an integrated account.

1 is a diagram illustrating a structure of an integrated payment system through a network according to an embodiment of the present invention.

2 is a flowchart illustrating an account registration process of an integrated payment system according to an exemplary embodiment of the present invention.

3 is an exemplary diagram illustrating data stored in an account registration database according to an account registration process according to an exemplary embodiment of the present invention.

4 is a flowchart illustrating a Hancoin charging process according to an embodiment of the present invention.

5 is an exemplary view showing a charge history of an account stored in a charge database according to an embodiment of the present invention.

6 is a flowchart illustrating a Hanpass issuing process according to an embodiment of the present invention.

7 is an exemplary view showing a payment information registration screen provided to a user terminal according to an embodiment of the present invention.

8A and 8B are flowcharts illustrating a Hancoin transfer process according to an embodiment of the present invention.

9 is an exemplary view showing a transfer information input screen according to an embodiment of the present invention.

10 is an exemplary view showing a transfer processing history stored in the transfer database according to an embodiment of the present invention.

11 is a flowchart illustrating a payment process using one pass according to an embodiment of the present invention.

An integrated payment system according to a feature of the present invention for achieving the technical problem is an integrated payment system for performing a payment connected to a plurality of user terminals and a commerce server through a network, each of the plurality of commerce server An account generator for assigning one integrated account to a user identifier; And a payment processing unit configured to perform a payment according to a user's purchase behavior in the plurality of commerce servers based on the integrated account.

In addition, the integrated payment system according to another aspect of the present invention is an integrated payment system for making a payment by connecting to a plurality of user terminals and a commerce server through a network, and a plurality of identifiers used by one user in the plurality of commerce servers. An account generator for allocating a single unified account to each other; An account registration database for storing information of a commerce server using a plurality of user identifiers and a plurality of user identifiers, respectively, corresponding to the account number of the integrated account; A payment processor configured to perform a payment according to the purchase activity of the user made in the plurality of commerce servers based on the integrated account; And a payment database in which payment processing details according to the payment performed through the integrated account are stored for each account number.

In addition, the integrated payment method according to another aspect of the present invention, the integrated payment method of a system for performing a payment connected to a plurality of user terminals and a commerce server through a network, a) each user used in a plurality of commerce server Assigning one unified account for the identifier; b) when a payment request for one user identifier is input from the commerce server, finding an integrated account corresponding to the user identifier; And c) making a payment for the user identifier based on the unified account.

In addition, the integrated payment method according to another aspect of the present invention, the integrated payment method of a system for performing a payment connected to a plurality of user terminals and a commerce server through a network, a) each user used in a plurality of commerce server Assigning one unified account for the identifier; b) issuing a postpaid payment means, which is a prepaid post-payment means, upon request from a user having an identifier registered in the unified account; c) if a payment request using the postpay payment means is received from the user, performing a payment using the postpaid payment means; And d) calculating a payment price using the postpaid payment means of the integrated account for the set period, and billing the payment price to the user using the billing means set in the postpaid payment means.

In addition, the account consolidation method according to another aspect of the present invention, a method of consolidating accounts for payment in a plurality of commerce servers connected to the network, a) if a first identifier is provided from one commerce server, the first identifier Determining whether the user has an account in use as a second identifier in another commerce server; b) asking the user if the account is shared if the user has an account in use; And

c) if an account sharing intention is communicated from the user, storing the first identifier corresponding to the account and registering the account as an integrated account.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention.

The integrated payment system through a network according to an embodiment of the present invention assigns one account to a plurality of user identifiers, and enables payment using electronic money through the account. Specifically, a single account (also known as a unified account) is granted to a user who deals with different or identical identifiers to multiple sites on the network, or to different users using each identifier, and then registers with the account. In response to a payment request from a user having a specified identifier, payment is performed using electronic money assigned to the corresponding account. Therefore, users who use different identifiers (or the same identifier) at different sites may make payments through the account, and different users may make payments through the account.

On the other hand, the embodiment of the present invention uses electronic money as a payment method through the account. Here, the electronic money consists of a first payment means and a second payment means. The first payment means is a kind of cyber money that a user purchases and is granted or is granted to another site activity. The first payment means may be processed as cash on a network and used by a user to purchase a product or the like or transferred to another account. The second payment means is a kind of cyber card and is issued one for each account. The second payment method is a means for billing a user's payment in real time for each payment, but a means for billing the user's payment for a certain period (for example, the next month's bill). to be. Here, for convenience of description, the first payment means is named "Hancoin", and the second payment means is named "Han Pass". Here, Hancoin and Hanpass are the brand names of payment methods used by NHN Co., Ltd. The embodiments described below are described using, for example, the use of Hancoin and Hanpass as a payment means through a unified account, but the payment means according to the embodiment of the present invention is not limited thereto, and all payment means available for electronic commerce. (Credit cards, cash, etc.) may be used.

1 illustrates a structure of an integrated payment system through a network according to an embodiment of the present invention.

As shown in FIG. 1, an integrated payment system (hereinafter, referred to as an integrated payment system) 100 through a network according to an exemplary embodiment of the present invention may include various forms such as a network 200, a telephone network, the Internet, a wireless communication network, and the like. Are connected to a plurality of user terminals 300 and a plurality of commerce servers 400. For convenience of description, the integrated payment system is described separately from the commerce server, but the present invention is not limited thereto, and the integrated payment system may be implemented in the commerce server.

The user terminal 300 is a communication device that can be connected to the integrated payment system 100 or the commerce server 400 through the network 200. For example, a wired telephone, a mobile communication terminal, a computer, a TV that can be connected to the Internet, and the like. Various communication devices may be used. Therefore, the user can conveniently and quickly access the integrated payment system 100 or the commerce server 400 using PC communication, the Internet, the wireless Internet, a telephone network, and the like.

The commerce server 400 is a server of a site that is connected to the network 200 to perform electronic commerce (all actions on the network involving payment). The commerce server 400 stores an authentication database 410, which stores information (user ID and login password) about users who can use the site, and login processing for users who access based on the authentication database 410. The authentication unit 420 to perform, and, further comprising an interface unit 430 for transmitting and receiving a signal with the integrated payment system 100 according to an embodiment of the present invention. The interface unit 430 is connected to the integrated payment system 100 according to a user's selection at the time of payment, and transmits the user's information, requests for payment, and receives a payment processing result.

The system 100 connected to the user terminal 300, the commerce server 400, and the network 200 to provide integrated payment includes a database server 10, a processing server 20, a mail server 30, And an interface server 40.

The database server 10 includes an account registration database 11, an issuing database 12, a charging database 13, a transfer database 14, and a payment database 15.

The account registration database 11 stores information about accounts that can receive payment through the integrated payment system 100. Specifically, account registration information including a plurality of user identifiers, that is, IDs, for receiving payment service through the corresponding account is stored for each account number assigned to the account. In addition to the user ID, the account registration information may include a site address (URL, etc.) using each user ID, an account generation date, and user information (for example, a user name, a social security number, etc.). Here, when more than one user uses one account, a user name or a social security number may be recorded in correspondence with the user ID to facilitate user identification.

The issuance database 12 stores Hanpass issuance information which is a cyber card. One pass according to an embodiment of the present invention is given one by one account, and selectively given to each account. The issuing database 12 stores, for example, an account number and payment password for which Hanpass was issued, and may store information such as Hanpass issuance date, Hanpass payment date, and Hanpass usage limit. In addition, the information (for example, credit card, mobile phone, etc.) for charging the amount purchased using the Hanpass is stored during the set period.

The charging database 13 stores Hancoin charging information according to an embodiment of the present invention. For example, information such as the total available Hancoin amount of the corresponding account obtained according to the charging process may be stored together with the charging information such as the Hancoin recharge date, the recharge amount, and the payment method used for recharging for each account number.

In the transfer database 14, transfer details using Hancoin are stored for each account. For example, for each account, information such as a user ID requesting a transfer, a transfer date, a transferred user ID, and a transfer amount may be stored. In addition, the account number of the transferred user ID may be stored. On the other hand, in the embodiment of the present invention, when the user who is the target of the transfer at the time of Hancoin transfer confirms the transfer, the corresponding amount is transferred. If the user does not confirm the transfer during the set time, the transfer amount may be returned to the account number of the original user who requested the transfer. Accordingly, in the transfer database 14, a transfer processing result indicating whether the user who received the transfer for each transfer history of each account is confirmed, transfer completion, or transfer transfer may be stored.

The payment database 15 stores the user's purchase (in this case, the purchase indicates purchase of all tangible and intangible merchandise) and payment information for each account. For example, information such as a purchase date, a purchased user ID, a purchase amount, and a purchased product corresponding to each account number is stored. In addition, the payment information of the means (for example, Hancoin, Hanpass, mobile phone, credit card, cash, etc.) paid by the user corresponding to each purchase history is stored.

The processing server 20 that provides the payment service using the integrated account based on the information stored in the database server 10 includes the account generator 21, the card issuer 22, and the first payment processor 23, which is a payment processor. And a second payment processing unit 24 and a transaction history inquiry unit 25.

The account generator 21 generates one account (also called a unified account) corresponding to a plurality of user IDs, assigns an account number to the generated account, and stores the account number in the account registration database 11. The card issuing unit 22 issues a Hanpass for each account according to a user's request, and stores the Hanpass issuing related information in the issuing database 12.

The first payment processing unit 23 performs a payment related operation for the first payment means, that is, Hancoin, and specifically, a charging unit 23a for performing Hancoin charging for each account, and from the corresponding account to another account at the user's request. It includes a transfer unit 23b for performing a Hancoin transfer, and a payment unit 23c for performing Hancoin payment according to a user's purchase.

The second payment processing unit 24 performs a payment related operation for the second payment means, that is, the Hanpass, and specifically, the payment approval unit 24a performing the payment approval using the Hanpass based on the payment password for each account, Each account includes a billing unit 24b for billing the purchase details using Hanpass.

Transaction history inquiry unit 25 according to the user's request based on the information stored in each database (11 to 15) of the database server 10, the transaction history (for example, purchase history, transfer history, charging history, Hanpass Usage history, etc.).

On the other hand, the mail server 30 performs the mail transmission and reception with the user terminal 300 or the commerce server 400, the interface server 40 is information between the user terminal 300 and the commerce server 400 and the system 100 Performs an interface for sending and receiving.

In the embodiment of the present invention, although each component of the processing server 20 is shown to operate in the processing server, the present invention is not limited thereto, and may be implemented as an independent server to process corresponding functions. It is not limited to being classified as described above.

Next, the operation of the integrated payment system according to the embodiment of the present invention will be described based on such a structure.

First, the process of creating an integrated account will be described.

2 sequentially illustrates a process of creating an integrated account during the operation of the integrated payment system according to an embodiment of the present invention.

In an embodiment of the present invention, the user is given an ID from the commerce server 400 to use various services provided through the corresponding commerce server 400, and selectively generates an integrated account for payment according to service use as follows. do.

As shown in FIG. 2, when a user connects to a site on the network 200, that is, a commerce server 400 on the terminal 300 (S100), the authentication unit 420 of the commerce server 400 Authentication is performed based on the user ID provided from the user terminal 300 and the password for logging in. If the user's ID is stored in the authentication database 410, and the input password matches the password corresponding to the user ID, the user is authenticated as a legitimate user. 300 to provide a variety of information (S110 ~ S120).

In this way, a user who receives information by accessing a predetermined commerce server 400 and conveniently uses various services provided from the commerce server 400 may issue a first payment means, that is, issue Hancoin (first to charge Hancoin for the first time). Interface unit 430 of the commerce server 400 requests the Hancoin issuance processing to the integrated payment system 100. At this time, the interface unit 430 requests the Hancoin issuance processing while transmitting the user ID and the user information (for example, the name and the resident registration number) together (S130 to S140).

When the account generation unit 21 of the integrated payment system 100 receives a Hancoin issuance request from the commerce server 400, first, it is checked whether the user has an account in use (S150).

In the embodiment of the present invention, the following methods may be used as a method of checking whether an user has an account in use. However, the present invention is not limited to the method described below.

In the first method, the account generator 21 directly searches the account registration database 11 and checks whether the user has an account in use. In this case, first, the account registration database 11 is searched based on the user ID to check whether there is an account corresponding to the user ID. If there is no account corresponding to the user ID, the account registration database 11 is searched based on the user information (name, social security number) to check whether the user has registered an account with another site's ID. When there is no account registered by the user in the account registration database 11, it is determined that there is no account that can issue Hancoin.

The second method is to check whether the user has an account in use. In this case, the account generator 21 asks the user if there is a site that has issued an account among these sites while providing information on each site registered as a site that can receive the integrated payment. Then, according to the user's response, the user registers and determines whether the account exists.

According to this account verification operation, when it is confirmed that there is no account registered and in use, the account generator 21 generates an account by assigning one account number corresponding to the user ID, and then registers the account registration database 11. ) Stores the user ID, site information (URL) using the user ID, and user information corresponding to the account number. Then, the account registration result is provided to the user terminal 300 to notify that an account usable with the current user ID has been created (S160 to S180).

On the other hand, if it is determined that there is an account being registered and used by the user in step S150, the account generator 21 inquires whether the account is shared with the user terminal 300 (S190).

At this time, when checking whether there is an account registered by the user by the first method of the above-described account verification method, if there is an account corresponding to the user's information (name, social security number) in the account registration database 11, It is determined that the user has an account registered with another site and is in use, and inquires whether to share the account.

On the other hand, if the user confirms the account registered by the second method, when the user selects a predetermined site and inputs an account number and responds that the account has been issued, the user receives the ID and password of the site. After that, it is provided to the commerce server of the site to request authentication. When authentication is made, it is determined that the account number entered by the user is in use, and inquires whether to share the account. In this case, in order to confirm whether the user is a legitimate user, enter a social security number, and recognize the same user only if the entered social security number matches the social security number registered on the site where the account was issued. You can ask whether you want to share your account. If the social security numbers do not match, the account sharing process is not performed.

As described above, when the user registers and checks the account being used and inquires whether or not to share the account, and the user replies that the account is to be shared, the searched account is used on the site that the user is currently connected to. The user ID, site information, and user information are corresponded and stored in the account registration database 11. Therefore, different user IDs are recorded corresponding to the accounts. Thereafter, the result of the account sharing processing is notified to the user terminal 300 (S200 to S210).

3 illustrates data stored in the account registration database 11 according to the account registration process. For example, a user who has already registered on the NAVER site (www.naver.com) with an ID of "drummerj" and created an account is used by the Hangame site (www, hangame.com), that is, the account as "Hongkd". If you request to share, as shown in Figure 3, the user's name and social security number corresponding to the account number is stored, and the Hangame site address and user ID "Hongkd in the user ID group that can be used through this account Add "

On the other hand, when adding another ID to the account in use as described above, the account generator 21 can again authenticate the user. In this case, the authentication request is provided by providing an ID and a password inputted to the commerce server 400 using the user ID to be added, and when the authentication process is performed, a new user ID is added to the account.

According to this account registration process, a user can use an account registered through a site other than the currently connected site as a payment window for using a service provided by the currently connected site.

On the other hand, if there is an account that the user is using in step (S190), but do not want to share this account as the account for the current user ID, the account generator 21 creates a new account corresponding to the user ID and grants it. do.

In this way, if an account is given to a user ID used by the currently accessed commerce server 400, the user can recharge the account with the coin and use it when using the service.

Next, the process of recharging Hancoin in the account will be described.

A user may request a Hancoin recharge of the corresponding account by accessing the commerce server 400 using a user ID registered in the account. Alternatively, the user may directly access the integrated payment system 100 and request a Hancoin recharge of the corresponding account. It may be. For example, if a new account is given to a user who logs in by accessing a predetermined commerce server 400 as described above, or a sharing is made for an account that is already in use, the integrated payment system may be configured as follows. Perform Hancoin charging.

4 is a sequence of charging Hancoin according to an embodiment of the present invention.

When the user requests the Hancoin charge for the account used by the user, the charging unit 23a of the first payment processing unit 23 guides the user terminal 300 to the Hancoin charging method (S300 to S310), and the charging selected by the user. Depending on the method, Hancoin will be charged to the account.

Hancoin of the account according to an embodiment of the present invention is a variety of charging methods, for example, credit card, mobile phone, ARS, Internet banking, bankbook deposit, book living zone, ADSL, OK cashback (this is the brand name of electronic money provided by SK Telecom Can be charged using any payment method available on the network, such as electronic money. In addition, it may be charged using the Hanpass, a second payment means according to an embodiment of the present invention described later.

The charging unit 23a of the first payment processing unit 23 performs the Hancoin charging of the corresponding account based on the amount requested by the user using the charging method selected by the user (S320). That is, one coin is given to the account based on the amount requested by the user. In addition, the charging database 13 stores the charging date, the user ID requesting the charging, the charging method, and the charging amount corresponding to the corresponding account number, and records the payment number generated according to the payment at the time of charging (S330). 5 illustrates a charging history of an account stored in the charging database 13 according to an exemplary embodiment of the present invention.

According to this charging process, the user can use a variety of services provided by each commerce server 400 based on the Hancoin charged in the account.

Next, a process of issuing a Hanpass, a payment method according to an embodiment of the present invention, will be described.

FIG. 6 is a flowchart illustrating one pass issuing process according to an exemplary embodiment of the present invention.

Hanpass according to an embodiment of the present invention is a payment information pre-registration and postpay payment means that can be used when purchasing goods or using a flat-rate service. As illustrated in FIG. 6, when a request for issuing a pass is input from a user terminal 300 that is logged in at a predetermined commerce server 400 (S400 to S430), the card issuing unit 22 issues a one pass to the user terminal. Provide a payment information registration screen for (S440). 7 shows an example of a payment information registration screen provided to a user terminal according to an embodiment of the present invention.

The payment password that the user will use when making payments using Hanpass, the means for claiming payments made using Hanpass (e.g. credit cards, mobile phones, etc.), name, social security number, and billing information (e.g. For example, in the case of a credit card, a card number, expiration date, a card password, and the like, in the case of a mobile phone, a mobile phone number or a mobile phone payment password, etc. Issue a certificate.

At this time, in order to determine whether the information of the billing means provided by the user is legitimate, a request is made to confirm availability while transmitting the corresponding information to a system for authenticating the billing means. For example, if the billing means is a credit card, information such as a card number provided by the user is provided to the corresponding card company to request authentication, and when the use authentication is made, the billing means is determined to be usable. In addition, when the billing means is a mobile phone payment, a mobile phone number is provided to the corresponding mobile communication system to request use authentication, and the user may input an authentication number provided to the user's mobile phone from the mobile communication system. Then, it is determined whether the billing means can be used depending on whether the input authentication number and the authentication number provided from the mobile communication system match.

On the other hand, one or more of these billing means for claiming the payment amount using Hanpass can be registered. This is to allow the registered billing means to be replaced by another billing means, for example, if it is not available due to exceeding the limit. Thus, the user can, for example, set a credit card as the first billing means and select cellular phone payment as the second billing means. Such billing means may be one of, but is not limited to, credit card, mobile phone payment, bank account payment, telephone payment, direct debit.

If payment information registration and billing means is available, the card issuing unit 22 issues a pass for the account registered by the user (S460) and corresponds to the account number of the user in the issuing database 12. By doing so, information on whether the Hanpass issuance, issuance date, payment password, usage limit, billing means, etc. is recorded, and the processing result is displayed (S470).

Therefore, the user can make a prepayment using a Hanpass when purchasing a product, signing up for a fixed amount of service, or charging Hancoin, and can actually pay for the amount used through a billing means such as a credit card or a mobile phone.

Next, the process of transferring Hancoin charged to the account to another account will be described.

8A and 8B, the Hancoin transfer process according to an embodiment of the present invention is sequentially shown.

As shown in FIG. 8A, when a Hancoin transfer request is input from the user terminal 300 that is logged in at a predetermined commerce server 400 (S500 to S530), the transfer unit 23b of the first payment processing unit 23 is provided. Provides a screen for inputting transfer information to the user terminal 300. The transfer information input screen according to the embodiment of the present invention is illustrated in FIG. 9. As shown in the screen illustrated in FIG. 9, the transfer unit 23b uses the account registration database 11 based on the ID of the user who applied for transfer. ), Find a registered account, search the charging database 13 based on the number of the corresponding account, find the total amount of available Hancoin, and display it in the transfer information input (S540 to S550).

Next, the user enters the amount to be transferred to another user within the amount of available Hancoin, enters a payment password for the transfer, and then enters another user ID to receive Hancoin, and the transfer unit 23b first After checking whether the user (transfer requester) who requested the transfer based on the input payment password is a user who can use the account, and if the user is a legitimate user, transfer to the input user ID is performed (S560 to S570).

At this time, the transfer unit 23b first checks whether the user wants to receive the transferred Hancoin by providing the transfer details with the ID of the user (transfer target person) to be transferred. For example, the mail server 30 transmits a transfer history message to a mail of a transfer target person to inquire whether the transfer is approved or transmits the transfer history through a means such as a note (S580). Accordingly, if the transfer target person accepts the transfer, the transfer unit 23b searches the account registration database 11 based on the transfer target ID and checks whether the account is registered with the transfer target ID (S590 to S600). If the transfer target person does not have an account, the account generator 21 generates and provides an account as described above (S610 to S620). In this case, when a new account is given to the transfer target or an account is already registered for the transfer target ID, as shown in FIG. 8B, the transfer unit 23b transfers the HanCoin from the transfer requester's account to the transfer target's account. (S630).

On the other hand, when the user to be transferred in step S590 refuses the transfer or does not approve the transfer so that the set period has elapsed (S640 to S650), as shown in FIG. 8B, the transfer unit 23b re-transmits the transfer amount. The transfer is returned to the account of the requesting user (S660). At this time, the amount excluding the transfer fee may be returned.

The transfer unit 23b stores the transfer process in the transfer database 14 when the transfer is completed (S670). In Fig. 10, the details of the transfer processing stored in the transfer database 14 are illustrated.

On the other hand, during this transfer process, the transfer unit 23b may perform a transfer process by defaulting to the site that the user is currently connected to. That is, in the case where the current user requests a Hancoin transfer in a state where the user is connected as "Naver", the ID of the transfer target is treated as that of the NAVER unless there is a separate site designation.

As described above, according to an embodiment of the present invention, Hancoin transfer can be made between accounts using different IDs or the same IDs in different sites or accounts assigned to different users, and in any site using IDs registered in the unified account. Hancoin can be easily charged and Hancoin transfers to other accounts through the integrated account.

In addition, the user can pay for the purchase of goods using Hancoin charged in the integrated account at any site using the ID registered in the integrated account. Since the payment process using the cyber money charged to the account is already known technology, a detailed description thereof will be omitted.

Next, the payment process using the Hanpass will be described.

11 illustrates a payment process using one pass according to an embodiment of the present invention.

When the user accesses a predetermined commerce server 400 to purchase a product (or engages in a payment process such as subscribing to a flat-rate service) and selects a pass as a payment method, the commerce server 400 integrates a payment system. In step 100, a user ID and a payment amount are provided, and a pass request is made (S700 to S730). Accordingly, the payment approval unit 24a of the second payment processing unit 24 performs the use of Hanpass.

Specifically, the payment approval unit 24a searches the issuing database 12 based on the user ID to check whether the Hanpass is issued to the corresponding account of the user ID, and if the Hanpass is issued to the user terminal 300. It provides a payment window for the Hanpass payment (S740-S750). In the payment window, a payment password entry for Hanpass payment is provided.

When the user enters the payment password in the Hanpass payment window, the payment approval unit 24a matches the payment password registered in the corresponding account of the issuing database 12 with the entered payment password, and the payment amount is the same. If the usage limit is not exceeded, the pass is approved and the result is provided to the commerce server 400 (S760 to S800).

On the other hand, if the Hanpass is not issued to the account in step S740, the card issuing unit 22 guides issuance of the Hanpass so that the user can receive and pay for the Hanpass (S810). In addition, when the payment password does not match in step S770 or the usage limit is exceeded in step S780, the user is notified of the payment approval so that the user can make a payment using another payment method (S820).

As such, when the Hanpass payment is completed, the billing unit 24b records the payment processing result in the payment database 15, calculates a payment amount using the Hanpass for each account on the billing date thereafter, and then selects the selected billing means. (For example, a credit card) charges the payment (S830).

According to the payment method as described above, the user can easily make payment only by inputting the payment password for the Hanpass payment without having to input the payment means information such as the card number every time of payment, thus improving the convenience of use. In addition, at any site using the ID registered in the unified account, payment can be easily made using the Hanpass given to the unified account.

On the other hand, the user can check the various processing details generated by account registration, Hancoin recharge, Hancoin transfer, payment, etc. on any site, in this case, the transaction history inquiry unit 25 in accordance with the user's request, each database (11 ~) Based on the information stored in 15), it provides Hancoin recharge details, Hancoin transfer details, payment details using Hancoin, and payment details using Hanpass. At this time, the transaction history inquiry unit 25 finds the account number from the account registration database 11 on the basis of the input user ID, searches the respective databases 11 to 15 based on the account number, and finds the corresponding processing details. Provided to the user terminal 300. Therefore, users can easily check the details of all processes processed through the integrated account.

Each process described in the above-described embodiments is connected to the respective commerce server 400 on the network and according to a request of the user who is provided with the service, the commerce server 400 is linked to the integrated payment system 100 to the user. Based on what is provided, but not necessarily limited thereto.

Although the present invention has been described with reference to the most practical and preferred embodiments, the present invention is not limited to the above disclosed embodiments, but also includes various modifications and equivalents within the scope of the following claims.

As described above, according to an embodiment of the present invention, payment is made for purchases made at each site through a unified account assigned to a plurality of user identifiers receiving services at sites on a plurality of networks. As a result, the user can pay for services provided by multiple sites through one account without having to create an account for payment for each site. Thus, the user's convenience in using the site is increased.

In addition, even if a user uses different identifiers at each site, all payment services can be received through one account, so that the amount of money charged in the account can be used more efficiently.

In addition, you can pay for all services provided by each site by simply entering your payment password without entering your card number or other information. The hassle can be eliminated, and the payment process is simple and quick.

Claims (1)

In the integrated payment method of the system for making a payment connected to a plurality of user terminals and commerce server through a network a) assigning one unified account for each user identifier used in multiple commerce servers; b) when a payment request for one user identifier is input from the commerce server, finding an integrated account corresponding to the user identifier; And c) making a payment for the user identifier based on the consolidated account A recording medium storing a program implemented with a function comprising a.