KR20070013048A - Common payment system of electronic commerce and method thereof - Google Patents

Abstract

A system and a method for shared payment in EC(Electronic Commerce) are provided to enable users accepting the shared payment to settle a shared portion of purchase price of an article by transmitting an MMS(Multimedia Messaging Service) for requesting the shared payment to the users selected by a member of a homepage. A web server(20) enables shared payers to settle the purchase price of the article with assignment. A homepage manager(40) provides the homepage for displaying information for the shared payment by each member. A settlement server(70) provides an approval result to the web server by approving the settlement for the shared payers by a request of the web server. A member information storing part(30) stores shared payment related information, settlement information, and authentication information of the members. An MMS center(60) generates and transmits a shared settlement request message to each mobile terminal(MA-MD) of the shared payer fixed by a buyer.

Description

Common payment system of electronic commerce and method

1 is a block diagram of a joint payment system in an electronic commerce according to an embodiment of the present invention.

2 is a flowchart illustrating a co-payment method in an electronic commerce according to an embodiment of the present invention.

3 to 5 are examples of screen display of a mobile communication terminal applied to a joint payment method according to an embodiment of the present invention.

** Description of symbols for the main parts of the drawing **

WA ~ WC: Web browser MA ~ MD: Mobile communication terminal

10: Internet 20: Web Server

30: member information storage 40: personal homepage management

50: mobile communication network 60: text service center

70: payment server

The present invention relates to a co-payment system and method thereof in electronic commerce, and more particularly, to allow a plurality of objects (co-payers) to share a payment for purchases of goods purchased on the web. It's about technology.

Currently, the mobile communication system provides a text message service that can deliver a text message to a specific person in addition to the voice call service.

The text message service is classified into various types according to the type and size of data to be transmitted, and is a short message service (SMS) that transmits text data within 80 bytes, and within 400 bytes. Long message service (LMS) that transmits only text data, multimedia message service (MMS text) that transmits multimedia data, and short message (SMS). Extended Short Message Service (ESMS) for sending and attaching, and Color Short Message Service (Color SMS) for specifying the color of text and background to be transmitted.

On the other hand, as the spread of the Internet increases, the purchase of goods on the web is becoming common. Looking at the purchase of goods and payment method on the web, when a buyer of a product requests the purchase of a product from a specific site, the buyer receives the payment information from the buyer, the input payment information to the server of the payment agency or financial institution Receive the payment approval by the transmission, and performs the payment of the purchase price for the article.

In general, the purchase price payment method described above does not support various payment methods for a single payment. For example, if you purchase an item worth 100,000 won, it is impossible to use two payment methods, such as 30,000 won to make a bankbook payment and 70,000 won to pay with a credit card.

Therefore, it was difficult for the buyer to ask a specific person to support a part of the purchase price of the goods, or to jointly purchase the goods for a specific person by plural persons adding up a certain amount of money.

In addition, in view of the rapid increase in the rate of purchase of goods using the Internet, it is necessary to provide various payment methods to consumers.

The present invention has been made in view of the above circumstances, and the present invention provides a personal homepage that supports co-payment on the web, and when the member purchases an MMS requesting co-payment to the designated members of the member. Providing a payment system and method for transmitting a text message (Multi Massage Service), and if the payment is accepted from the subjects, the subjects who have accepted the payment can jointly pay for the goods. The purpose.

In order to achieve the above object, the co-payment system in the electronic commerce according to the present invention, a web server for processing the purchase price of the goods so that a plurality of co-payers shared payment; A personal homepage management unit that provides a personal homepage where information for copayment is displayed for each member under the control of the web server, and performs payment approval for the copayer at the request of the web server, and transmits the approval result to the web server. Provided by the payment server; Characterized in that it comprises a member information storage unit for storing the joint payment related information, payment information, authentication information for the members.

In addition, the co-payment method in the electronic commerce according to the present invention, the first step of requesting the co-payer to pay the purchase price of the goods purchased on the web; A second step of judging whether the accepted copayment contribution reaches the purchase price of the goods when the copayment is accepted by the copayer; And a third process of receiving the copayment ante from a payment server by using the co-payer's payment information when the accepted copayment ante reaches the purchase price of the article.

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

1 is a block diagram of a joint payment system in an electronic commerce according to an embodiment of the present invention.

As shown in the figure, the co-payment system in an electronic commerce according to an embodiment of the present invention, a plurality of web browsers (WA to WC) that can be connected to the Internet 10, a web providing a process for co-payment The server 20, a member information storage unit 30 for storing information (personal information, authentication information, payment information, etc.) of members under the control of the web server 20, for each member under the control of the web server 20 The personal home page management unit 40 generates a personal home page and outputs it to a corresponding web browser, and a payment server 70 that performs approval on payment information transmitted from the web server 20.

In addition, the co-payment system in the electronic commerce according to an embodiment of the present invention, under the control of the web server 20 generates a MMS character requesting a co-payment through a mobile communication terminal of the co-payer (MA ~ MD) And a text message service center 60 for transmitting the reply MMS text transmitted from the mobile communication terminals MA to MD to the web server 20.

In the present invention, each member can access the web server 20 through a web browser to check the personal homepage, and when the co-payment is requested to them, they can receive MMS texts according to the co-payment through the mobile communication terminal. have. For example, member A has a web browser (WA) and a mobile communication terminal (MA), member B has a web browser (WB) and a mobile communication terminal (MB), and member C has a web browser (WC). And a mobile communication terminal (MC).

Next, the co-payment method in the e-commerce according to the embodiment of the present invention will be described in detail with reference to the flowchart shown in FIG. 2.

First, in the process of registering a member in the web server 20 according to the present invention, each member registers his or her own payment information (for example, a credit card or the like) and a mobile phone terminal number, and the payment information and the Co-payment can be performed using a mobile phone number.

When member A accesses the web server 20 using a web browser WA and requests a payment to purchase a specific item while shopping on the web (S2), the web server 20 stores the member information storage unit 30. Inquiry A member's information (for example, ID, copayable amount information, co-payment request information, etc.), and transmits it to the personal homepage management unit 40, and the personal homepage management unit 40 is a member of the A member. Create a personal home page with payment information and print it out to A member's web browser (WA).

Preferably, each member's personal home page displays information on the amount of copayment corresponding to the amount transferred from another member, and information on the co-payment corresponding to the amount requested for co-payment from another member. If member B and member C have each transferred 50,000 won to member A, the member can request the joint settlement of member B if the member makes a request for joint payment from member B and member C. You can check the message and the C member's joint settlement request message.

On the other hand, if the co-payment information is entered on the personal home page as described above, the web server 20 determines whether there is a balance corresponding to the co-payment, and if there is a balance corresponding to the co-payment (Yes in S8), When the member inquires about payment to the balance (S25), and the member requests payment to the balance (Yes in S25), the payment for the article is processed using the transferred amount (balance) (S26). ).

However, unlike the above case, if the balance corresponding to the co-payment does not exist (No in S8), or even if a balance corresponding to the co-payment exists, the member does not request payment to the balance (No in S25). The server 20 transmits the MMS character for the co-payment request to the mobile communication terminal of the co-payer entered by the member through the text service center 60. The MMS text stores the URL of the member A's personal homepage in the calling information so that a reply message can be received at the URL later. MMS characters output to the mobile communication terminal MB and the mobile communication terminal MC through S10 may be, for example, as shown in FIG. 3.

 According to FIG. 3, a request for joint payment for a payment amount YYY for an item XX purchased by a member A through MMS letters is notified, and the user of the mobile communication terminal MS receives 50,000 won by the notification. In response to the reply, the MMS message in which the burden information is stored is transmitted to the web server 20 through the mobile communication network 50 and the text service center 60.

Accordingly, the web server 20 sums the burdens notified from the co-payers (for example, B and C members) for the purchase of goods, and determines whether the sum of the total burdens reaches the total settlement amount (S14). ).

As a result of the determination, when the total amount of the burden reaches the payment amount, the payment server 70 requests the payment of the corresponding burden using the payment information of the co-payer (S8). If the public payer registers the credit card information as the payment information, the web server 20 transmits the credit card information to the credit card company server or the online payment agency server corresponding to the payment server 70 and grants the approval. By request, payment using the credit card is performed.

Subsequently, if the approval for each payment is successful from the payment server 70, and the completion message of approval is transmitted (YES in S20), the web server 20 determines that the payment for the purchased product is completed, and the text service center Through 60, the payment completion notification MMS letters are sent to the goods buyer and the co-payer respectively (S22, S24).

For example, the co-payment notification message as shown in FIG. 4 may be output to the mobile communication terminal MA of the buyer of the goods, and the co-payment notification as shown in FIG. 5 to the mobile communication terminal MB of the B member who is the co-payer. A message can be output.

On the other hand, if the total amount of the charges notified by the co-payer at S14 has not reached the settlement amount, and the member A sets the insufficient amount at his / her personal homepage to settle the settlement, the prestored A of the web server 20 Co-payment is performed by performing the operations of S18 to S24 described above using the member's payment information.

In addition, if the amount transferred from the co-payer in S8 is greater than the payment amount (Yes in S8), the web server 20 performs payment by deducting the charge from the amount transferred in connection with the payment server 70. For example, the payment server 70 subtracts the payment amount from the transfer amount deposited in the A member's account, and subtracts the deducted content from the transfer amount of each co-payer and stores it in the member information storage unit 30. (S26).

In the above-described embodiment of the present invention, after purchasing the goods, the co-payer to send a MMS letter requesting the co-payment, the copayer is notified of the burden, the procedure for payment of the purchase price of the goods using the burden Although described, in another embodiment of the present invention, after purchasing the goods, the co-payer registers the co-payment request message only on the personal homepage without sending MMS text requesting co-payment to the co-payer, If you visit the personal home page or the buyer's personal home page, you can configure to check the joint payment request.

In the above embodiment, the co-payer can input the burden information according to the co-payment on the personal home page on the web, the web server 20 based on the input burden information, the joint payment for the goods purchase price Payment can be performed.

In addition, according to another embodiment of the present invention, after the buyer of the goods determines the burden of each co-payer in advance, and notifies each co-payer of the determined amount, the co-payer accepts the It can also be configured to make a payment.

As described above, according to the co-payment system and the method in the electronic commerce according to an embodiment of the present invention, a plurality of objects (co-payers) other than the goods purchaser share the purchase price for the goods purchased on the web By being able to do this, it is possible to provide a variety of payment methods to consumers.

On the other hand, the present invention is not limited to the above-described embodiment, but can be modified and modified within the scope not departing from the gist of the present invention, such modifications and changes should be regarded as belonging to the following claims. will be.

Claims (16)

A web server for processing the purchase price of goods so that a plurality of co-payers can share the payment; A personal homepage manager which provides a personal homepage where information for joint payment is displayed for each member under the control of the web server; A payment server which performs payment approval for the co-payer at the request of the web server and provides the approval result to the web server; Co-payment system in electronic commerce, characterized in that it comprises a member information storage for storing the information, payment information, authentication information for the co-payment for the members. The electronic commerce system of claim 1, further comprising a text service center, which is controlled by the web server and generates and transmits a co-payment request message to a co-payer's mobile communication terminal designated by the goods purchaser. Co-payment system. According to claim 1, wherein the personal home page A system for joint payment in electronic commerce, characterized in that the information on the matters requested for the co-payment, the information on the result of the co-payment, and the information on the amount transferred from a specific member for the co-payment are displayed. The method of claim 3, wherein the web server When the co-payment for a specific purchase price is requested from the goods purchaser, the co-payment for the purchase of the goods is requested through the homepage of the co-payer and the homepage of the goods purchaser designated from the goods purchaser, and the individual of the co-payer When the co-payment is accepted through the homepage or the personal home page of the buyer of the goods, using the payment information of the co-payers, a predetermined amount of payment from each co-payer, characterized in that the co-payment system in electronic commerce. The method of claim 4, wherein the web server In the electronic commerce, characterized in that the copayment for the goods purchase price is accepted in the state that the copayment is to be shared among the goods purchase price on the personal home page, the payment is made through the payment server. Joint payment system. The method of claim 4, wherein the web server When the copayment is requested with the copayment for each copayer determined from the goods purchaser, the copayment is displayed on the co-payer's personal homepage and the copayers' personal homepage, and each copayer displays the copayment. The payment system in the e-commerce, characterized in that the predetermined amount is paid if the payment for the contribution. The method of claim 2, wherein the web server When the co-payment request message is transmitted to the co-payer's mobile communication terminal through the text service center, and a reply message for the co-payment request message is transmitted from each mobile communication terminal, the co-payer accepts the co-payment based on this. Co-payment system in electronic commerce, characterized in that determining whether or not. The method of claim 7, wherein the web server When the reply message in the state that the amount to be shared by the co-payment is received, the co-payment system in the electronic commerce, characterized in that for receiving the payment through the payment server. The method of claim 8, wherein the web server When the co-payment request message is transmitted by the purchaser of the co-payer with the specified copayment of each co-payer, and when a reply message for the co-payment request message is received, the copayment is paid through the payment server. Joint payment system in commerce. A first step of requesting a co-payer to pay the purchase price of the goods purchased on the web; A second step of judging whether the accepted copayment contribution reaches the purchase price of the goods when the copayment is accepted by the copayer; And And when the accepted copayment ante reaches the purchase price of the article, a third process of receiving the copayment ante from a payment server by using the co-payer's payment information. Payment Method. The method of claim 10, wherein in the first process and the second process The web server providing the co-payment method provides a personal home page to the purchaser of the commodity and the co-payer to request and accept the co-payment through the personal home page. Payment Method. The method of claim 10, wherein in the first process and the second process The web server transmits an MMS character for a joint payment request to the co-payer's mobile communication terminal, and determines acceptance of the co-payment based on a reply message to the MMS character transmitted from the mobile communication terminal. Joint payment method in the e-commerce, characterized in that. The method of claim 11 or 12, wherein the co-payer Co-payment method in electronic commerce, characterized in that at least one person. The method of claim 13, wherein in the first process The buyer of the goods designates a copayment of the co-payers, and requests the co-payers co-payment, characterized in that the co-payment in electronic commerce. The method of claim 13, wherein in the second process The web server, when the purchaser pays the remaining amount by subtracting the contribution amount from the payment amount in a state in which the contribution amount sent from the co-payer does not reach the payment amount, the payment information of the co-payer and the buyer The payment method in the electronic commerce, characterized in that for receiving the goods purchase price from the payment server using the payment information. The method of claim 10, wherein once the payment for the goods purchase price is completed, And transmitting an MMS message for notifying completion of the co-payment to the mobile communication terminal of the goods purchaser and the co-payer's mobile communication terminal.

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