KR20060133697A - Electronic payment settlement service system and method for t-commerce - Google Patents

Abstract

A method for intermediating settlement of T(TV)-commerce, and a system and the method for an electronic settlement service using the same are provided to offer trust to a customer, enable a use institution to save expenses, and enable a settlement institution to directly offer the settlement service to the customer by enabling the customer to directly perform the settlement with the settlement institution. An STB(Set-Top Box)(14) transfers order/settlement institution selection information of the customer to a settlement intermediary server(20), and directly performs the settlement by linking with a settlement server(41). The settlement intermediary server transfers the order information to an order server(31), transfers an order approval and a settlement request received from the order server to the STB, generates/transfers a settlement approval and a settlement session key to the STB by requesting settlement to the settlement server based on the settlement institution selection information. The settlement server advances a settlement process by transferring a settlement application when the STB is connected, and informs the STB, the settlement intermediary server, and the order server of a settlement result.

Description

Payment intermediation method in commerce using a television, and an electronic payment service system and method using the same {Electronic payment settlement service system and method for t-commerce}

1 is a configuration diagram of an electronic payment service system in commerce (T-commerce) using a conventional television (TV),

2 is a block diagram of an embodiment of an electronic payment service system in T-commerce using a television (TV) according to the present invention;

3 is a flow chart of an embodiment of a T-commerce electronic payment service method using a television (TV) according to the present invention.

* Explanation of symbols on the main parts of the drawing

11: broadcast transmission server 12: broadcast media

13: Television (TV) 14: Set Top Box (STB)

15: TV Controller 20: Payment Brokerage Server

30: User Organization 31: Order Server

40: payment institution 41: payment server

The present invention relates to a payment brokering method in a commercial transaction using a television, an electronic payment service system using the same, and a computer readable recording medium recording a program for realizing the methods, and more particularly, to digital broadcasting. Payment mediation method and electronic payment service system using the same, which enables consumers to make direct payment with payment institutions during commerce (T-commerce) using television in data broadcasting and two-way broadcasting A method and a computer readable recording medium having recorded thereon a program for implementing the methods.

Digital broadcasting can transmit not only video and audio, but also various information related to broadcasting. In this broadcasting environment, commerce in current home shopping and general advertising channels is expected to be more active.

In such a broadcasting environment, a viewer can watch a broadcast program while purchasing a variety of goods displayed on the broadcast program by using a remote control, which can be purchased through a digital broadcast. This is called 'T-commerce'.

T-Commerce is the purchase of a product sales broadcast while watching digital TV at home. The form is similar to the existing TV home shopping, but the biggest difference is that TV home shopping requests the purchase on the phone, while T-commerce uses the remote control. Is possible.

For example, through T-Commerce, you can buy clothes worn by actors while watching a drama, buy movie tickets while watching movie information, and click on the TV screen to receive product information and make payments at once.

As such, T-Commerce, which means marketing using TV, is considered as an area that is expected to undergo another revolution following E-Commerce.

To date, the order processing and payment process in T-Commerce, as shown in Fig. 1, indicates that the buyer (consumer) expresses his intention to purchase the advertisement or home shopping program broadcast through the television (TV) 13 (i.e. After pressing a specific button of the TV controller 15, and then inputting order information and payment information, the user receives order information and payment information from the T-mall 21, and receives a payment gateway (PG: Through the online payment network (23) via the payment gate (22) and the financial institutions and payments, and through the PG (22) and the van (VAN: Value Added Network) (24) with the credit card company (25) Perform payments.

By the way, the payment through the payment service of Figure 1, the customer's personal information and consumer's payment information (financial information or credit card information) in the shopping mall (T-mall) (21) and the shipper for goods delivery, By requesting the delivery address information, since personal payment information is provided to the shopping mall (T-mall) 21, the consumer's personal information and payment information (financial information or credit card information) may be leaked and used illegally. You may feel anxious that you can.

In addition, since the T-mall 21 needs to have a separate communication network and a system connected to the payment gateway 22 or the VAN 24 for user confirmation and payment approval, the cost is increased. do.

In addition, payment institutions (credit card company 25) is also through the payment gateway (PG) 22 and the shopping mall (T-mall) 21, and thus can not provide the desired payment service.

The present invention has been proposed to solve the above problems, in the case of commerce (T-commerce) using a television (TV) in digital broadcasting, data broadcasting, two-way broadcasting, so that consumers can directly pay with the payment institution To provide a payment brokering method and an electronic payment service system using the same, and a method for providing the payment service to a consumer, a payment agency, and a payment service to a consumer directly; Its purpose is to provide a computer readable recording medium having recorded thereon a program.

Other objects and advantages of the present invention can be understood by the following description, and will be more clearly understood by the embodiments of the present invention. Also, it will be readily appreciated that the objects and advantages of the present invention may be realized by the means and combinations thereof indicated in the claims.

The present invention for achieving the above object, in the electronic payment service system at the time of commerce (T-commerce) using a television, and delivers the order information of the orderer (buyer, consumer) and payment institution selection information to the payment intermediation server A set-top box for performing direct payment in connection with a payment server at the time of payment; The order information is transmitted to the order server, the order approval and payment request are received from the order server, the set-top box is transferred, the payment request is made to the corresponding payment server based on the payment institution selection information, and the payment approval for the payment request. And the payment intermediation server which receives the payment session key and delivers the payment session key to the set-top box. The order server receiving the order information from the payment broker server and requesting the order approval and payment; And generating a payment approval and a payment session key for the payment request from the payment intermediation server to the payment mediation server, transmitting a payment application when the set-top box is connected, and proceeding with a payment process, and setting a payment result to the set-top box. Box and the payment broker server, characterized in that it comprises the payment server to notify the order server.

In addition, the present invention, in the electronic payment service method for commerce (T-commerce) using a television, when the purchase request through the T-commerce, the set-top box is the payment broker server to order information of the orderer (buyer, consumer) Delivering to; Transmitting, by the payment broker server, the order information to an order server, receiving an order approval and a payment request from the order server, and transmitting the order information to the set top box; Requesting a payment from the payment intermediation server to a corresponding payment server based on the payment institution selection information transmitted from the set-top box; Generating, by the corresponding payment server, a payment approval and a payment session key for the payment request from the payment mediation server and transferring the generated payment session key to the payment mediation server; Transmitting, by the payment broker server, the payment approval and payment session key to the set top box; And accessing the corresponding payment server on the basis of the payment session key and performing a direct payment.

On the other hand, the present invention, in the payment intermediation method in T-commerce using a television, when the set-top box delivers the order information of the orderer (buyer, consumer) through the T-commerce, the payment intermediation server the order Delivering information to an order server, receiving an order approval and payment request from the order server, and transmitting the order to the set-top box; And requesting, by the payment intermediation server, a payment request to the payment server based on the payment institution selection information transmitted from the set-top box, receiving the payment approval and payment session key for the payment request, and delivering the payment request to the set-top box. Characterized in that made.

In addition, the present invention is characterized in that the set-top box further comprises the step of performing a direct payment by accessing the corresponding payment server based on the payment session key.

On the other hand, the present invention, in the electronic payment service system equipped with a processor for electronic payment service at the time of T-commerce using a television, when the purchase request through the T-commerce, the set-top box is the orderer ( A function of delivering order information of a buyer, a consumer) to a payment broker server; A function of the payment intermediation server transferring the order information to an order server, receiving an order approval and a payment request from the order server, and delivering the order information to the set top box; A function of the payment intermediation server requesting payment to a corresponding payment server based on the payment institution selection information transmitted from the set-top box; A function for the payment server to generate a payment approval and a payment session key for the payment request from the payment mediation server and transmit the generated payment session key to the payment mediation server; Transmitting, by the payment broker server, the payment approval and payment session key to the set-top box; And a computer-readable recording medium on which the set-top box accesses the corresponding payment server based on the payment session key and records a program for realizing a function of directly making a payment.

In addition, the present invention, the order information of the orderer (buyer, consumer) through the T-commerce set-top box to the payment intermediation server having a processor for the electronic payment service at the time of commerce (T-commerce) using a television When the transfer, the payment relay server delivers the order information to the order server, and receives the order approval and payment request from the order server and delivers to the set-top box; And the payment intermediary server makes a payment request to a corresponding payment server based on the payment institution selection information transmitted from the set-top box, and receives a payment approval and a payment session key for the payment request and delivers it to the set-top box. A computer readable recording medium having recorded thereon a program is provided.

The present invention is to provide a secure and reliable payment service for commerce (T-commerce) using a television (TV), unlike the payment service in the existing T-commerce, consumers can directly pay with the payment institution This will give consumers confidence, reduce costs for users, and provide payment services to consumers directly.

In particular, the present invention in the commerce on the digital broadcasting, dualizes the information necessary for the commerce in the consumer's purchasing behavior, order information is delivered to the user (user organization), payment information is transmitted to the payment institution, thereby order and payment Dualize That is, the order information of the consumer is delivered to the user (user organization) through the payment intermediation server, and the payment information is directly transmitted to the payment institution. However, when the set-top box accesses the payment institution payment server with the session key, the payment server must be able to distinguish the payment transaction.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings, whereby those skilled in the art may easily implement the technical idea of the present invention. There will be. In addition, in describing the present invention, when it is determined that the detailed description of the known technology related to the present invention may unnecessarily obscure the gist of the present invention, the detailed description thereof will be omitted. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

2 is a configuration diagram of an electronic payment service system in T-commerce using a television (TV) according to the present invention.

As shown in FIG. 2, the electronic payment service system at the time of T-commerce using a television according to the present invention, the payment intermediation server 20 to display the order information and payment institution selection information of the orderer (consumer, buyer). And a set-top box (STB) 14 for performing direct payment in connection with a payment server 41 of a payment institution (ie, a financial institution or a credit card company) 40 at the time of payment, The order information is transmitted to the order server 31 of the user organization (that is, the home shopping company or the distributor of the advertisement goods) 30, and receives the order approval and the payment request from the order server 31 (STB) ( 14) and a payment intermediation server for requesting payment to the payment institution 40 based on the payment institution selection information, receiving the payment approval and session key for the payment request, and delivering the result to the set-top box 14. 20) and receiving the order information from the payment intermediation server 20, order approval and settlement The order server 31 of the user institution 30 making the request and the payment request from the payment intermediation server 20 generate payment approval and payment session keys, and transmit the generated payment approval to the payment intermediation server 20. When the STB 14 is connected, the payment application is transmitted to proceed with the payment process, and the settlement result is set-top box (STB) 14, the payment brokerage server 20, and the order server 31 of the user organization 30. It includes a payment server 41 of the payment institution 40 to notify.

The set-top box (STB) 14 receives the order information of the orderer and sends it to the payment intermediation server 20, receives the order of the payment institution of the orderer according to the request for the payment institution selection, and sends it to the payment intermediation server 20, and pays at the time of payment. Direct payment is made by downloading and executing a payment application from the payment server 41 of the organization 40.

The payment intermediation server 20 passes the order information of the orderer to the user organization (user) 30, receives the order approval and payment request from the user organization (user) 30, and sets up the set top box (STB) of the orderer ( 14), the payment request is made to the payment institution 40 for the selection of the payment institution of the orderer, and the payment approval and session key are received for the payment request and transmitted to the set-top box (STB) 14 of the orderer. .

The order server 31 of the user agency (user company) (that is, a home shopping company or a distributor of advertisement goods) 30 receives an order request from the payment intermediation server 20 and makes an order approval and payment request.

The payment server 41 of the payment institution (ie, financial institution or credit card company) 40 receives the payment request from the payment brokerage server 20, generates a payment session key, and hands it to the payment brokerage server 20. When connected from the set-top box (STB) 14 of the payment application to proceed with the payment process, the set-top box (STB) 14 and payment intermediation server 20 of the purchaser, and the corresponding user institution To the (user) (30).

In this way, the information necessary for commerce is dualized in the purchase behavior of the consumer (order, buyer), and the order information is delivered to the user institution (user company) 30 and the payment information is separately transmitted to the payment institution 40, thereby And dualize payment. That is, the order information of the consumer is delivered to the payment brokerage server, and the payment information is directly transmitted to the payment institution 40. However, when the set-top box (STB) 14 accesses the payment server 41 of the payment institution 40 with the session key, the payment server 41 should be able to distinguish a payment transaction.

The electronic payment service system according to the present invention provides only the order information to the user institution 30 by using the payment intermediation server 20 at the time of commerce in a T-commerce environment, and when the consumer pays the payment institution 40 ) And direct payment behavior (that is, direct exchange of payment information (financial information or credit card information) with the payment institution 40), so that consumers can solve the anxiety at the time of payment. At this time, the user institution (user company) 30, since the order information is received from the payment brokerage server 20, and the payment result from the payment institution 40, the conventional electronic payment service system (see FIG. 1). As such, a portion such as the PG 22 or the VAN 24 is not necessary. Therefore, the user institution 30 can reduce costs by not having a separate communication network and system associated with the PG 22 or the VAN 24, and the payment institution 40 directly pays with the consumer. It can be performed to provide a payment service specialized for the payment institution (40).

Then, the electronic payment service process in the electronic payment service system according to the present invention will be described in detail.

In the purchase behavior in T-commerce, the buyer (Owner, Consumer) expresses the intention to purchase at the time of advertisement or home shopping program broadcasting, that is, presses a specific button of the TV controller 15, and then inputs order information. Then, the set-top box (STB) 14 sends the product information, the user information and the buyer's purchase information to the payment brokerage server 20 over the Internet, the payment brokerage server 20 is a corresponding user organization (that is, Home shopping company or distributor of advertising goods, etc.) 30 to apply for the order. In response to this, the user institution 30 sends a payment request to the payment brokerage server 20 accordingly, and the payment brokerage server 20 sends the payment agency 40 to the consumer set-top box (STB) 14. Send data and signals for selection.

Then, when the user selects the payment institution 40 using the TV controller 15, the set-top box (STB) 14 sends the corresponding information (payment institution selection information) to the payment intermediation server 20. Thereafter, the payment intermediation server 20 sends the payment information necessary for payment, such as user user information and the payment amount, to the payment server 41 of the corresponding payment institution 40, and the payment server 41 transmits to the transaction. It generates a session key that is the only key for the payment and sends it to the payment broker server 20, and the payment broker server 20 delivers the session key and the connection address of the payment server 41 to the user's set-top box (STB) 14. do. Thereafter, the set-top box (STB) 14 connects to the corresponding payment server 41 and delivers the corresponding session key, and the payment institution 40 authenticates the set-top box (STB) 14 of the user to provide them. Sending the module and the associated set-top application, the set-top box (STB) 14 allows the consumer to directly make payments with the payment institution 40. Subsequently, when the settlement is completed, the settlement server 41 of the settlement institution 40 notifies the settlement brokerage server 20 and the user organization (user company) 30 to the result, and the commerce is terminated.

In this manner, in making a payment, the consumer directly performs a payment with the payment institution 40. That is, the payment information (financial information or credit card information) of the consumer does not remain in the shopping mall T-mall (21 in FIG. 1), and purchase and payment may be completely separated. In addition, the user organization 30 does not need to have a separate communication network and system associated with a separate PG (22 of FIG. 1) or VAN (24 of FIG. 1) for payment approval and authentication. Therefore, a cost reduction effect occurs. In addition, the payment institution 40 may provide a consumer with a payment process suitable for his payment system. In this way, the consumer can select a payment institution 40 that provides a reliable payment process for the consumer, and each payment institution 40 provides its own specialized, i.e., more secure and comfortable payment process for the consumer. To differentiate it from other payment providers.

The T-commerce electronic payment service process using the television will now be described in more detail with reference to FIG. 3.

First, the purchaser (buyer, consumer), while watching a TV home shopping program or advertisement, presses a specific button of the TV controller 15 to make a purchase, and confirms the quantity and amount of the product to be ordered, the orderer information, the recipient information, the contact address, etc. When the purchase request to confirm the order information including the (301), the set-top box (STB) 14 transmits the order information, distributor information and purchase request time to the payment broker server 20 through the Internet (302).

Subsequently, when the payment intermediation server 20 sends the order information to the order server 31 of the user institution (user) 30 by viewing the distributor information and requests the order (303), the order of the user institution 30 The server 31 approves the order and sends the payment request to the payment intermediation server 20 (304).

Next, the payment intermediation server 20 receiving the order approval and payment request sends a payment institution selection request signal to the set-top box (STB) 14 (305), and the set-top box (STB) 14 displays a TV screen. In step 306, the user selects a payment institution to select a payment institution, and when the user selects the payment institution 40 using the TV controller 15 (307), the payment agency selection information is transmitted to the payment intermediation server 20. (308).

Subsequently, the payment intermediation server 20 transmits information necessary for payment such as distributor information and payment amount to the payment server 41 of the selected payment institution 40 and makes a payment request (309). In response, the payment server 41 of the payment institution 40 generates a session key for the corresponding payment, transfers the payment approval and the session key to the payment intermediation server 20, and the set-top box 14 sets the payment. Wait for connection to the server 41 (310).

At this time, the payment intermediation server 20 transfers the session key received from the payment server 41 to the set-top box (STB) 14, the set-top box (STB) 14 is connected to the payment server 41 to make a payment. The payment progress signal is transmitted to proceed (311).

Thereafter, the set-top box (STB) 14 receiving the payment progress signal accesses the payment institution 40 and transfers the session key to proceed with the payment process according to the service of the payment institution 40 (313).

Finally, when the payment process is finished, the payment server 41 of the payment institution 40 is set-top box (STB) 14, the order server 31 of the user (user) (30) and the payment is completed; Transfer to the payment broker server 20 (314 ~ 316).

In the above, the session key is used as an index for the transaction in the payment server 41, and is used to distinguish the set-top box (STB) 14 to which the payment server 41 is connected.

In addition, the payment process proceeds differently according to the payment institution 40. For example, the payment process can be performed by downloading and executing a dedicated application to the set-top box (STB) 14 in the payment server 41 of the payment institution 40, or simply paying with a certificate such as a web-based payment. You can also proceed with the process.

As described above, the method of the present invention may be implemented as a program and stored in a recording medium (CD-ROM, RAM, ROM, floppy disk, hard disk, magneto-optical disk, etc.) in a computer-readable form. Since this process can be easily implemented by those skilled in the art will not be described in more detail.

The present invention described above is capable of various substitutions, modifications, and changes without departing from the technical spirit of the present invention for those skilled in the art to which the present invention pertains. It is not limited by the drawings.

The present invention as described above, in the purchase behavior in T-commerce (buyer) by allowing the buyer to directly perform the settlement agency and payment behavior to separate the purchase and payment so that more reliable payment behavior to the consumer It has the effect of reducing costs for users and providing their own specialized payment process to the payment institution.

Claims (12)

In the electronic payment service system at the time of commerce (T-commerce) using television, A set-top box that delivers order information of a purchaser (buyer, consumer) and payment institution selection information to a payment intermediation server, and performs direct payment by interworking with a payment server at the time of payment; The order information is transmitted to the order server, the order approval and payment request are received from the order server, the set-top box is transferred, the payment request is made to the corresponding payment server based on the payment institution selection information, and the payment approval for the payment request. And the payment intermediation server which receives the payment session key and delivers the payment session key to the set-top box. The order server receiving the order information from the payment broker server and requesting the order approval and payment; And Generate a payment approval and a payment session key for the payment request from the payment intermediation server and transmit the payment approval to the payment mediation server, transmit a payment application when the set-top box is accessed, and proceed with the payment process, and settle a payment result in the set-top box. And the payment server notifying the payment broker server and the order server. Electronic payment service system in a commerce using a television comprising a. The method of claim 1, The payment session key, The payment server is used as an index for a payment transaction, and the electronic payment service system in a commerce using a television, characterized in that it is used to distinguish the set-top box coming from. The method according to claim 1 or 2, The set top box, The electronic payment service system in a commerce using a television, characterized in that for transmitting the order information to the payment broker server, and directly transfer payment information (financial information or credit card information) to the payment server. The method of claim 3, wherein The payment broker server, The order information is transmitted to the order server, a payment request is made to a corresponding payment server for the selection of a payment institution of an orderer, a payment approval and a session key for a payment request are received and transmitted to the set top box to the set top box and the corresponding payment server. An electronic payment service system in a commerce using a television, characterized in that payment can be made directly between them. In the electronic payment service method at the time of commerce (T-commerce) using television, When the purchase request through the T-commerce, the set-top box delivers the order information of the orderer (buyer, consumer) to the payment broker server; Transmitting, by the payment broker server, the order information to an order server, receiving an order approval and a payment request from the order server, and transmitting the order information to the set top box; Requesting a payment from the payment intermediation server to a corresponding payment server based on the payment institution selection information transmitted from the set-top box; Generating, by the corresponding payment server, a payment approval and a payment session key for the payment request from the payment mediation server and transferring the generated payment session key to the payment mediation server; Transmitting, by the payment broker server, the payment approval and payment session key to the set top box; And The set-top box accessing the corresponding payment server based on the payment session key and performing direct payment Electronic payment service method in commerce using a television comprising a. The method of claim 5, The payment session key, When the set-top box is connected to the payment server, the payment server is an index that can distinguish the payment transaction, the electronic payment service system in a commerce using a television. In the settlement brokerage method at the time of commerce (T-commerce) using a television, When the set-top box delivers the order information of the orderer (buyer, consumer) through the T-commerce, the payment brokerage server delivers the order information to the order server, receives the order approval and payment request from the order server to the set-top box. Delivering; And The payment intermediation server requesting payment to the payment server based on the payment institution selection information transmitted from the set-top box, receiving payment approval and payment session key for the payment request, and delivering the payment request to the set-top box; Payment brokerage method in a commerce using a television comprising a. The method of claim 7, wherein The set-top box accessing the corresponding payment server based on the payment session key and performing direct payment Payment brokerage method in a commerce using a television further comprising. The method according to claim 7 or 8, The set top box, The order information is transmitted to the payment intermediation server, and when payment is made, the payment application (financial information or credit card information) is directly transmitted to the payment server by downloading and executing a payment application from the corresponding payment server. Payment brokerage method in commerce. The method of claim 9, The payment session key, The payment server is used as an index for a payment transaction, and used to distinguish the set-top box that is connected to the payment broker in a commercial transaction using a television. In the electronic payment service system provided with a processor for the electronic payment service at the time of T-commerce using a television, When the purchase request through the T-commerce, the set-top box delivers the order information of the orderer (buyer, consumer) to the payment broker server; A function of the payment intermediation server transferring the order information to an order server, receiving an order approval and a payment request from the order server, and delivering the order information to the set top box; A function of requesting, by the payment intermediation server, payment to a corresponding payment server based on the payment institution selection information transmitted from the set-top box; A function for the payment server to generate a payment approval and a payment session key for the payment request from the payment mediation server and transmit the generated payment session key to the payment mediation server; Transmitting, by the payment broker server, the payment approval and payment session key to the set-top box; And The set-top box accesses the corresponding payment server based on the payment session key and performs direct payment. A computer-readable recording medium having recorded thereon a program for realizing this. For electronic payment service in the case of T-commerce using a television, to a payment broker server equipped with a processor, When the set-top box delivers the order information of the orderer (buyer, consumer) through the T-commerce, the payment brokerage server delivers the order information to the order server, receives the order approval and payment request from the order server to the set-top box. The ability to deliver; And The payment broker server requests a payment to the payment server based on the payment institution selection information transmitted from the set-top box, and receives the payment approval and payment session key for the payment request and delivers it to the set-top box. A computer-readable recording medium having recorded thereon a program for realizing this.

Images