KR20080096863A - Settlement system of accounts by on-line and settlement method thereof - Google Patents

Abstract

A settlement system for on-line shopping and a method thereof are provided to improve the reliability between shopping mall and an advertisement company, while performing payment process rapidly. A shopping mall server(10) is provided. An advertisement media server(30) displays an advertisement which is linked with a PG(Payment Gateway) on a website, and connects a buyer's terminal and PC who clicks an advertisement. The PG connects the user's terminal to a shopping mall server, and processes the payment of the transaction. The PG transmits information about the number of connection between a terminal and shopping mall server, and results about the transaction to the advertisement media server.

Description

Settlement system of accounts by on-line and Settlement method

1 is a block diagram showing a first embodiment of a conventional online shopping payment settlement system,

Figure 2 is a block diagram showing a second embodiment of the conventional online shopping payment settlement system,

3 is a block diagram showing an online shopping payment settlement system according to the present invention;

Figure 4 is a flowchart showing a first embodiment of the online shopping payment settlement method according to the present invention,

5 is a flowchart showing a second embodiment of the online shopping payment settlement method according to the present invention.

The present invention is to maximize the profits of each person while overseeing the settlement, settlement, and intermediary between the shopping mall, advertising media company and PG constituting the online shopping market, and the settlement process transparently through a third party to enhance mutual trust The present invention relates to an online shopping settlement settlement system and a settlement method.

The development of the Internet has brought various areas of everyday life into the online world, and shopping markets are no exception.

As the online shopping market is growing day by day, and numerous shopping malls are created in accordance with this, the shopping malls are inevitably competing with each other.

A shopping mall is an arm of competition among other shopping malls, and performs advertisements for notifying consumers of the merits of goods and services that they sell. Such advertisements generally use portal sites with high access rates of consumers (internet users) as advertisement media, and the advertisement cost calculation between the shopping mall and the advertiser, which is an advertiser, is based on cost per action (CPA), cost per sale (CPS) and cost (CPM). Various criteria apply, such as per mill and cost per click.

On the other hand, while the number of shopping malls has soared, the number of portal sites with good advertising efficiency is limited, so that an advertising broker is required to more efficiently connect shopping malls and advertising media companies and to manage overall advertising progress.

Figure 1 is a block diagram showing a first embodiment of the conventional online shopping payment settlement system, it will be described with reference to this.

As illustrated, the online shopping market outputs a shopping mall server 10, which is an online store of a shopping mall that provides goods or services, a consumer (terminal; 20) connected to the shopping mall server 10, and an advertisement of a shopping mall. Ad media server 30 and the consumer 20 when the customer 20 is connected to the shopping mall server 10 via the ad media server 30 to count and manage the advertising mediation server 40 and the payment of the consumer 20 It consists of a payment gateway (PG) 50 to process on behalf of the shopping mall server 10.

Referring to the consumption process of the consumer 20 proceeds according to the above-described configuration, first, the consumer 20 is connected to the advertisement medium server 30.

Various contents are posted on the website operated by the advertisement media server 30, and among them, advertisements for a specific shopping mall server 10 are included.

The consumer 20 clicks on the advertisement.

The advertisement may be directly linked to the shopping mall server 10, but most of the advertisement may be linked to the advertisement intermediation server 40 so that the consumer 20 clicks on the advertisement to be primarily connected to the advertisement intermediation server 40. do.

Of course, the connection time between the consumer 20 and the advertisement mediation server 40 is a degree that the consumer 20 does not recognize, but in the meantime, the advertisement mediation server 40 is the advertisement of the advertisement 20 clicked by the consumer 20. Tasks to count the contents and the number of times of connection are performed.

When the above operation of the advertisement mediation server 40 is completed, the advertisement mediation server 40 redirects the connection target of the consumer 20 to the shopping mall server 10 associated with the advertisement, so that the consumer 20 and the shopping mall server ( 10) allow direct communication.

The consumer 20 pays for the goods or services through the PG 50 after purchasing the goods or services from the shopping mall server 10. Of course, the payment process may be made directly in the shopping mall server 10 without passing through the PG 50, but with the shopping mall server 10 and the consumer 20 for secure payment between the shopping mall server 10 and the consumer 20. It is preferable to proceed with payment through PG 50, which is an independent third party.

On the other hand, when the normal commerce is terminated, the PG company deposits the rest of the amount paid by the consumer 20 to the shopping mall, and the shopping mall deposits the advertising fee to the advertising broker, the operator of the advertising mediation server 40. Subsequently, the advertisement broker deposits the remaining amount excluding the brokerage fee to the advertisement media company operating the advertisement media server 30. As a result, the shopping mall, the advertising media company, the advertising broker and the PG company receives the profit obtained through the transaction between the consumer and the shopping mall server 10 to obtain a profit.

As suggested above, the advertisement cost calculation criteria may vary, and typically, a method of calculating the advertisement cost based on the number of times the consumer 20 clicks on the advertisement and accesses the shopping mall server 10 and the commerce If so, there is a way to calculate advertising costs.

In the former case, since the number of clicks is counted by the advertisement broker server 40, the advertisement broker provides the counted result to the mall for charging the advertisement fee, and the mall checks this and deposits the advertisement fee to the advertisement broker. .

In the latter case, the mall provides log data recording whether or not a commerce has occurred to the advertising broker, and the advertising broker charges the advertising fee based on this. For reference, the criterion for calculating the advertising cost may further include whether the consumer 20 subscribes as a member to the shopping mall server 10 in addition to whether or not a commerce occurs.

However, in the first embodiment according to the conventional online shopping settlement system, since the advertising fee received by the advertising media is deposited from the shopping mall and deposited through the advertising broker, the payment time is delayed, and the fee deposited from the shopping mall is transferred to the advertising broker and the advertising media company. As each is distributed, advertising companies did not have much profit.

In addition, since the PG company deposits the entire amount (excluding the PG fee) that the consumer 20 deposits into the shopping mall, the advertising broker and the advertising medium cannot receive the advertising fee if the shopping mall does not pay the advertising fee. In the same conventional settlement system, when the shopping mall is small and the funds are not good, the advertising broker and the advertising media company cannot guarantee the advertising costs.

Figure 2 is a block diagram showing a second embodiment of the conventional online shopping payment settlement system, it will be described with reference to this.

Unlike the first embodiment, in the second embodiment, the shopping mall server 10 and the advertisement medium server 30 'directly communicate with each other without having a separate advertisement intermediary server 40, and the shopping mall server 10 and the consumer 20 ) To each other.

In more detail, when the consumer 20 accesses the advertisement medium server 30 'and clicks the advertisement of the shopping mall, the consumer 20 connects the consumer 20 to the shopping mall server 10 linked to the advertisement. 20) to check the site of the shopping mall server (10).

In this case, the advertisement medium server 30 ′ may count the number of clicks, which is an operation performed by the advertisement intermediation server 40 mentioned in the first embodiment, and calculate and charge an advertisement cost to the shopping mall based on this. In addition, in the case where the subscription or commerce to the shopping mall server 10 is performed in addition to the number of clicks, the advertisement media server 30 'may include log data, which is a record of whether the subscription or commerce is performed. After confirming from 10), it may be possible to calculate and bill advertising costs to the shopping mall based on this.

However, since the information for calculating the advertising costs is provided from the advertising media company and the shopping mall, respectively, the manipulation of the information is possible, and for this reason, the advertising media company and the shopping mall distrust each other and the parties for payment of the advertising costs. There was a problem that caused confusion.

In addition, since the shopping mall depends on the selection of the shopping mall in delivering the payment amount of the consumer deposited from the PG 50 to the advertising media company, the conventional settlement system such as the second embodiment is difficult to guarantee the advertising cost as in the first embodiment. There was.

Accordingly, the present invention has been invented to solve the above problems, the online shopping payment to increase the mutual reliability between the shopping mall and advertising media companies, guaranteeing the payment for the advertising costs, the mutual payment is made quickly so that the rotation of the currency can be active The technical task is to provide a settlement system and settlement method.

The present invention to achieve the above technical problem,

Shopping mall server;

An advertisement medium server for posting advertisements linked to the following PGs on a website, and connecting the PGs with terminals of consumers who click on the advertisements; And

A PG connecting the terminal to a shopping mall server and processing a commerce settlement process performed by the shopping mall server, and transmitting performance information on the number of times of connection between the terminal of the consumer and the shopping mall server or whether the transaction is performed to an advertisement media server;

It is an online shopping settlement system.

In order to achieve the above technical problem, the present invention, in the online shopping payment settlement system,

The PG calculates an advertising cost based on one or more selected ones of the number of times the terminal of the consumer connected to the shopping mall server by clicking on the advertisement or the commerce information in the shopping mall server of the consumer via the advertisement media server. .

The present invention to achieve the above technical problem,

In the online shopping payment settlement system consisting of a shopping mall server, an advertisement media server that posts the linked advertisement on a website, and a PG that processes the payment process that proceeds from the shopping mall server,

Clicking on an advertisement posted on the advertisement medium server by a consumer and connecting a terminal of the consumer to the PG;

Checking the number of clicks in which the number of times of being connected to the shopping mall server by the click of the advertisement by the consumer in the PG is counted and stored;

A shopping mall server access step of connecting a terminal of a consumer connected with the PG with a shopping mall server;

A payment step of processing the payment process while communicating with a consumer during the commerce of the shopping mall server;

A payment amount settlement step of distributing and paying a fee from the payment amount of the consumer in the PG; And

A performance guide step of transmitting the click count stored in the check count step to the advertisement media server;

Online shopping payment settlement method comprising a.

In order to achieve the above technical problem, the present invention, in the online shopping payment settlement method,

The payment amount calculating step is to calculate the advertising cost based on the number of clicks.

The present invention to achieve the above technical problem,

In the online shopping payment settlement system consisting of a shopping mall server, an advertisement media server that posts the linked advertisement on a website, and a PG that processes the payment process that proceeds from the shopping mall server,

A consumer click on an advertisement posted on the advertisement medium server so that a terminal of the consumer is connected to the PG, and the PG identifies the connected consumer;

A shopping mall server access step of connecting a terminal of a consumer connected with the PG with a shopping mall server;

When the shopping mall server is commerce, the PG processes the payment process while communicating with a consumer, and confirms whether the consumer is the consumer identified in the advertisement click step, and stores the commerce information of the consumer;

A payment amount settlement step of distributing and paying a fee from the payment amount of the consumer in the PG; And

A performance guide step of transmitting the commerce information of the consumer stored in the payment step to the advertisement medium server;

It will include.

In order to achieve the above technical problem, the present invention, in the online shopping payment settlement method,

The payment amount settlement step is to calculate the advertising cost based on the commerce information of the consumer.

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

3 is a block diagram illustrating an online shopping payment settlement system according to the present invention, and FIG. 4 is a flowchart illustrating a first embodiment of the online shopping payment settlement method according to the present invention.

In the online shopping settlement settlement system according to the present invention, online shopping is performed through the shopping mall server 10, the consumer 20, the advertisement medium server 30, and the PG 50 ', and the PG 50' is The settlement of the mutual settlement between the shopping mall server 10, the consumer 20, and the advertisement medium server 30 are collectively settled.

To explain this in more detail, the shopping settlement settlement system according to the present invention will be described along with the settlement method.

S10; Ad media server access stage

The consumer 20 connects his terminal to the Internet and connects with the advertisement medium server 30.

As described above, the advertisement media server 30 is provided with a variety of information is registered on the web page to provide the information to the consumer 20, and in addition to displaying a variety of advertisements to allow the consumer 20 to select and click it To induce.

S11; Creative click stage

The consumer 20 selects and clicks on the advertisement registered in the advertisement medium server 30. The advertisement is linked to the shopping mall server 10 associated with the advertisement, and apparently, when the consumer 20 clicks on the advertisement, the shopping mall server 10 and the consumer 20 appear to be directly connected.

However, in the present invention, when the consumer 20 is connected to the shopping mall server 10 via the advertisement medium server 30, the consumer 20 is via the PG (50 '). That is, when the consumer 20 clicks on the advertisement in the advertisement medium server 30, the consumer 20 is first connected to the PG 50 ′, and the confirmation of the IP of the consumer 20, or between the consumer 20 and the shopping mall server 10 is performed. After the identification code to distinguish the communication is attached, it is redirected to the shopping mall server 10 is connected.

This confirms that the consumer 20 currently accessing the shopping mall server 10 is a person who is connected to the shopping mall server 10 through the contracted advertisement media server 30, and the consumer 20 performs payment by commerce. This is to allow the PG 50 'to distinguish other consumers directly connected to the consumer 20 and the shopping mall server 10 when proceeding.

The technology such as IP verification and identification code attached to the PG 50 'is widely known as a technology that was conventionally applied for the purpose of distinguishing the consumers 20 connected to the shopping mall server 10 to calculate the advertisement cost. Additional description will be omitted. In addition, since the IP verification and the identification code attached are one embodiment of the technology applied for the purpose of distinguishing the consumer 20 connected to the shopping mall server 10, the technical spirit of the present invention is not limited to the illustrated technology. Various modifications may be made without departing from the scope of the claims set forth herein.

S13; Shopping mall server access stage

The consumer 20 confirms that the connection through the advertisement medium server 30 is performed through the advertisement click step S11 and accesses the shopping mall server 10.

The consumer 20 connected to the shopping mall server 10 may register as a member of the shopping mall server 10 and log in or proceed with a commerce without logging in.

S14; Commerce steps

The consumer 20 proceeds with the purchase procedure of the necessary goods or services through the information of the web page transmitted from the shopping mall server 10.

S15; Payment verification step

Commerce between the shopping mall server 10 and the consumer 20 is completed through the payment of the consumer 20, this payment is made against the PG (50 ').

That is, when the consumer 20 clicks the payment button for payment after purchasing the goods or services, the consumer 20 reconnects to the PG 50 '. At this time, the PG 50 'recognizes the IP or the identification code of the consumer 20, and confirms that the consumer 20, which is the subject of the ongoing payment process, is the consumer via the advertisement media server 30. do.

S16; Settlement amount

The PG 50 ′ calculates the payment amount paid by the consumer 20 excluding the fee of the PG 50 ′.

The settlement of the PG 50 ′ may be performed in two ways. The first is to distribute only the fee of PG 50 'from the payment made by the consumer 20, and the second is to pay the fee of the PG 50' and the income and advertisement of the shopping mall. It is distributed to advertising costs of media companies.

These two methods can be different from the deposit form of the PG (50 '), a detailed description thereof will be made in the deposit step (S18).

S17; Performance Guide

The PG 50 ′ transmits log data that records the contents of the commerce performed by the consumer 20 through the advertisement medium server 30 to the shopping mall server 10 and the advertisement medium server 30, respectively. By doing so, it is possible to check the calculation details and the basis of the calculation of the advertising costs settled in the settlement amount settlement step (S16). The log data will include information about the payment amount of the consumer (20).

The first embodiment according to the present invention illustrates a method (CPS) for charging an advertisement fee when the consumer 20 via the advertisement medium server 30 performs a commerce in the shopping mall server 10. However, even if the subscription to the shopping mall server 10 as a member without substantial commerce can be confirmed and used to calculate the advertising cost.

S18; Deposit Step

When the PG 50 ′ distributes only the fee of the PG 50 ′ in the payment settlement step S16, the remaining amount excluding the fee is deposited in the shopping mall server 10. The shopping mall server 10 calculates an advertising fee from the amount deposited from the PG 50 'and remits it to the advertising media company.

On the other hand, when the PG 50 'distributes the payment made by the consumer 20 in the payment settlement step (S16) to the fee of the PG 50', the income of the shopping mall, and the advertising cost of the advertising medium, the remaining fee is excluded. In the amount, the amount of income is paid to the shopping mall, and the advertising fee is paid to the advertising media company.

In both cases, since the payment is made fairly and reliably by the trusted third party PG 50 ', both the shopping mall and the advertising media company can understand and have the effect of speeding up the rotation of the currency.

5 is a flowchart illustrating a second embodiment of the online shopping payment settlement method according to the present invention.

In the first embodiment of the online shopping payment settlement method according to the present invention, the CPS method (including similar advertising cost calculation criteria) is applied as a criterion for calculating the advertising cost, while in the second embodiment, the CPC method (a similar advertising cost calculation standard is used). Inclusive) applies.

S10; Ad media server access stage

The consumer 20 connects to the advertisement medium server 30 by accessing the Internet using his terminal.

As described above, the advertisement media server 30 is provided with a variety of information is registered on the web page to provide the information to the consumer 20, and in addition to displaying a variety of advertisements to allow the consumer 20 to select and click it To induce.

S11 '; Creative click stage

The consumer 20 selects and clicks on the advertisement registered in the advertisement medium server 30. The advertisement is linked to the shopping mall server 10 associated with the advertisement, and apparently, when the consumer 20 clicks on the advertisement, the shopping mall server 10 and the consumer 20 appear to be directly connected.

However, in the present invention, when the consumer 20 is connected to the shopping mall server 10 via the advertisement medium server 30, the consumer 20 is via the PG (50 ').

In the online shopping settlement settlement method according to the present invention, if the advertising cost calculation criteria are limited to the CPC method, the advertisement click step (S11 ') in the second embodiment is the PG 50' is the advertisement medium server 30 Only the operation of linking the consumer 20 connected to the shopping mall server 10 will be performed.

However, if the CPC method and the CPS method are applied as in the third embodiment according to the present invention, the advertisement click step S11 'according to the present invention is performed in the advertisement click step S11 in the first embodiment. Confirmation of the ID, etc. of the consumer 20 worked or attachment of an identification code for distinguishing communication between the consumer 20 and the shopping mall server 10 will be performed together.

S12; Click count check step

The PG 50 'checks if the advertisement click step S11' is normally performed and counts the number of clicks regardless of whether the IP or identification code of the consumer 20 is attached. That is, when a large number of consumers access the advertisement media server 30 and click the corresponding advertisement, the number of clicks is counted and stored. Here, the consumer click on the advertisement may be regarded as a connection between the consumer 20 and the shopping mall server 10.

S13; Shopping Mall Server Connection

The consumer 20 is confirmed that the connection through the advertisement medium server 30 through the advertisement click step (S11), the consumer 20 is connected to the shopping mall server 10.

The consumer 20 connected to the shopping mall server 10 may register as a member of the shopping mall server 10 and log in or proceed with a commerce without logging in.

S14; Commerce steps

The consumer 20 proceeds with the purchase procedure of the necessary goods or services through the information of the web page transmitted from the shopping mall server 10.

S15; Payment verification step

Commerce between the shopping mall server 10 and the consumer 20 is completed through the payment of the consumer 20, this payment is made against the PG (50 ').

That is, when the consumer 20 clicks the payment button for payment after purchasing the goods or services, the consumer 20 reconnects to the PG 50 '. At this time, the PG 50 'recognizes the IP or the identification code of the consumer 20, and confirms that the consumer 20, which is the subject of the ongoing payment process, is the consumer via the advertisement media server 30. do.

S16 '; Settlement amount

In the second embodiment according to the present invention, when the PG 50 'allocates and deposits an income amount and an advertisement cost to a shopping mall and an advertising media company, there are two implementation forms for calculating an advertisement cost from a payment amount. The first is to calculate the advertising cost according to the number of clicks of the advertisement confirmed in the click count check step (S12), the second is to determine the advertising cost based on the number of clicks and commerce of the advertisement.

S17; Performance Guide

The PG 50 ′ transmits log data indicating whether the consumer 20 and the shopping mall server 10 are connected to each other through the advertisement media server 30 to the shopping mall server 10 and the advertisement media server 30, respectively. It is possible to check the calculation details and the basis of the calculation of the advertising costs settled in the settlement amount settlement step (S16 '). The log data also includes information on the number of times consumers click on the advertisement.

S18; Deposit Step

When the PG 50 ′ distributes only the fee of the PG 50 ′ in the payment settlement step S16 ′, the remaining amount excluding the fee is deposited in the shopping mall server 10. The shopping mall server 10 calculates an advertising fee from the amount deposited from the PG 50 'and remits it to the advertising media company.

On the other hand, when the PG 50 'distributes the payment amount deposited by the consumer 20 in the payment settlement step (S16') to the fee of the PG 50 ', the income amount of the shopping mall and the advertising cost of the advertising medium, the fee is excluded. From the remaining amount, the income is paid to the shopping mall and the advertising fee is paid to the advertising media company.

According to the present invention as described above, while maximizing the profits of each person while overseeing the settlement, settlement, and intermediary between the shopping mall, advertising media, and PG constituting the online shopping market, the settlement process is transparently handled through a third party. There is an effect that can increase the reliability.

Claims (6)

Shopping mall server; An advertisement medium server for posting advertisements linked to the following PGs on a website, and connecting the PGs with terminals of consumers who click on the advertisements; And A PG connecting the terminal to a shopping mall server and processing a commerce settlement process performed by the shopping mall server, and transmitting performance information on the number of times of connection between the terminal of the consumer and the shopping mall server or whether the transaction is performed to an advertisement media server; Online shopping settlement system characterized in that consisting of. The method of claim 1, The PG applies an at least one selected from the number of times the terminal of the consumer is connected to the shopping mall server by clicking on the advertisement or the commerce information in the shopping mall server of the consumer via the advertisement media server, and calculates the advertising cost based on the advertisement. Online shopping settlement system characterized by. In the online shopping payment settlement system consisting of a shopping mall server, an advertisement media server that posts the linked advertisement on a website, and a PG that processes the payment process that proceeds from the shopping mall server, Clicking on an advertisement posted on the advertisement medium server by a consumer and connecting a terminal of the consumer to the PG; Checking the number of clicks in which the number of times of being connected to the shopping mall server by the click of the advertisement by the consumer in the PG is counted and stored; A shopping mall server access step of connecting a terminal of a consumer connected with the PG with a shopping mall server; A payment step of processing the payment process while communicating with a consumer during the commerce of the shopping mall server; A payment amount settlement step of distributing and paying a fee from the payment amount of the consumer in the PG; And A performance guide step of transmitting the click count stored in the check count step to the advertisement media server; Online shopping payment settlement method comprising a. The method of claim 3, wherein The payment amount settlement step, the online shopping payment settlement method, characterized in that to calculate the advertising cost based on the number of clicks. In the online shopping payment settlement system consisting of a shopping mall server, an advertisement media server that posts the linked advertisement on a website, and a PG that processes the payment process that proceeds from the shopping mall server, A consumer click on an advertisement posted on the advertisement medium server so that a terminal of the consumer is connected to the PG, and the PG identifies the connected consumer; A shopping mall server access step of connecting a terminal of a consumer connected with the PG with a shopping mall server; When the shopping mall server is commerce, the PG processes the payment process while communicating with a consumer, and confirms whether the consumer is the consumer identified in the advertisement click step, and stores the commerce information of the consumer; A payment amount settlement step of distributing and paying a fee from the payment amount of the consumer in the PG; And A performance guide step of transmitting the commerce information of the consumer stored in the payment step to the advertisement medium server; Online shopping payment settlement method comprising a. The method of claim 5, wherein The payment amount settlement step, the online shopping payment settlement method, characterized in that to calculate the advertising costs based on the commerce information of the consumer.

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