KR20100024699A - Method for providing payment service wire/wireless communication network - Google Patents

Abstract

PURPOSE: A method for providing a payment service in an online market place are provided to selectively permit a direct transaction between a seller and a buyer to activate the online market place. CONSTITUTION: If a direct payment service is requested from the first seller client, the first seller client is directly registered on the payment service(S200,S202). A client information DB of the first seller client is updated. A normal payment account DB of the first seller client is compared with a direct payment account DB(S206). Payment service is progressed through the comparison.

Description

How to pick up your payment directly from the online marketplace {METHOD FOR PROVIDING PAYMENT SERVICE WIRE / WIRELESS COMMUNICATION NETWORK}

The present invention relates to a payment service using a wired or wireless network, and more particularly, to a method of directly receiving a purchase price seller in an online market place suitable for activating a transaction between a buyer and a seller in an on-line market place.

Due to the rapid spread of the Internet and the development of electronic technology, the purchase of goods online, that is, electronic commerce, has been activated, and the transaction of goods online due to the fair trade safety due to fairness, e.g., authentication technology, etc. Awareness has become very positive compared to the past, and its size is growing exponentially each year.

On the other hand, as the mobile communication terminal becomes smaller and lighter, the spread of personal portable mobile phones has become popular. Accordingly, various mobile communication services using mobile communication terminals have been developed. Commonly used mobile communication services include, by default, a voice call to send and receive voices between talkers, a short message service (SMS) such as a short message service (SMS), etc. Voice message transmission such as voicemail, and the like, and furthermore, a wireless Internet service that can wirelessly access an Internet service, and a location tracking function that enables a mobile terminal to determine its current location at any time as the mobile terminal moves. It is being serviced.

With the activation of wireless Internet services through wireless networks, online e-commerce has evolved into a wireless service environment where users can search and pay for their products through the wireless Internet. I was able to be greatly free. For example, by linking the Internet with the wireless Internet, buyers can search and pay various product information through the web server and the swap server, or the goods uploaded to the Internet shopping mall by the seller are wired / wireless services. Service environment such as search and payment in the environment.

Due to the activation of the e-commerce market through wired / wireless networks, an on-line market place service mall that provides a transaction and payment environment between sellers and buyers is gradually increasing. From a mall's point of view, it is natural that the transaction is the most important issue.

However, in a conventional payment service environment in a wired / wireless network, when a buyer selects and pays an item of an arbitrary seller, the online marketplace service mall serves as a commercial intermediary, and the buyer confirms the delivery of the goods (the seller delivers the goods to the buyer). In this case, the payment of the buyer's payment to the seller is followed.

This method has the advantage of being able to purchase the goods more safely because there is an intermediate role for the buyer, but with the seller the reason that the margin is reduced due to the fee that the seller must provide in exchange for the transaction in the online marketplace. The disadvantage is that the purchase benefits may not be as large as the direct deal method.

In addition, the seller may not be able to deposit the merchandise payment immediately, the turnover rate of the money may fall, and the rate of return is affected by the fee paid to the online marketplace service mall.

Accordingly, the present invention is to propose a method for directly receiving a purchase price seller in an online marketplace that can activate a service by applying a direct payment method between a seller and a buyer in an online marketplace service environment.

In addition, the present invention is more reliable by determining whether to allow the service according to the results of the comparison between the seller's direct payment settlement price and general payment settlement price or other conditions set by the online marketplace when the seller requests a direct payment with the buyer. We would like to propose a method of directly receiving a paying seller at an online market place that can implement an online market place service environment.

According to one embodiment for solving the problems of the present invention, a plurality of sales clients and purchase clients through the wired and wireless network as a direct purchase method of the purchase price seller in the online market place connected to the online market place service server, Registering a first sales client with a direct payment service when a direct payment service of a sales client and a purchasing client directly deals with a first purchasing client is requested from the first sales client, and the first selling Purchasing in an online marketplace including updating a client information DB of the first selling client so that a client can directly make a payment service, and performing a payment service according to the transaction performance or grade of the first selling client. versus It provides a seller direct receipt of ways.

According to another embodiment for solving the problems of the present invention, a plurality of sales clients and purchase clients directly connected to the online marketplace service server through the wired and wireless network as a method of receiving the purchase price seller directly, Determining whether a first purchase client of the purchase client selects an arbitrary product of the first sale client among the plurality of sales clients; and when the random product of the first sale client is selected by the first purchase client, Determining whether a direct payment method with the first sales client is selected from the first purchasing client; and when the first purchasing client selects the direct payment method, the payment is performed according to the transaction performance or grade of the first selling client. Ongoing service Provides a direct way for sellers to pay for purchases in an online marketplace that includes a process.

According to the present invention, by directly allowing direct transactions between sellers and buyers in an online marketplace service environment, the online marketplace market can be further activated. In more detail, the seller can be a big profit because the transaction amount is directly deposited to maximize the turnover rate and minimize the transaction fee due to the existing transaction. From the perspective of the buyer, it is possible to guarantee the safety of the existing transaction while having the additional profit suggested by the seller to attract the buyer by direct payment because the seller direct payment is advantageous to the seller. For the online marketplace, you can save all costs incurred each time a transaction takes place, for example, a card fee (usually included in the transaction fee and paid on behalf of the seller) and used to activate other transactions. You can save money such as discount coupons.

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

1 is a schematic block diagram of a wired / wireless network system for implementing a payment service method according to the present invention. The sales client 10, the purchase client 12, the wired / wireless network 100, and the online marketplace service server 102 are illustrated in FIG. ).

As shown in FIG. 1, the sales client 10 and the purchase client 12 are users or user terminals connected to the wired / wireless network 100. For example, a wired client terminal to which a desktop, a laptop, or the like is applied. And wireless client terminals to which an internet phone, a digital multimedia broadcasting (DMB) phone, a PDA, and an IMT-2000 are applied.

Here, the sales client 10 registers the goods information through the online market place service server 102 and sells the corresponding goods, and the purchasing client 12 may use the online market place service server 102 as an arbitrary agent. A person who searches for and purchases an item. Although these sales clients 10 and purchasing clients 12 are illustrated as one sales client and one purchasing client, respectively, in FIG. 1, this is only for convenience of description and sales clients connected to the wired / wireless network 100. And it should be noted that the number of purchasing clients may vary depending on the communication environment.

In this case, both the sales client 10 and the purchase client 12 may be commonly applied to a wired or wireless client terminal, and the wired client terminal registers the product information to the online marketplace service server 102 through the wired or wireless network 100. A sales client and a purchasing client that purchases arbitrary goods through the wired / wireless network 100 and the online marketplace service server 102.

The wireless mobile client terminal is a client group suitable for performing mobile communication. The wireless mobile client terminal provides a wireless communication service to a subscriber by interfacing with a wireless network and a wireless connection, and provides an online marketplace service server through a wired or wireless network. 102, the product sales client to deliver. In this case, the wireless client terminal may be, for example, a mobile communication environment up to the current third generation such as a typical cellular phone, PCS, wireless Internet phone, DMB phone, PDA, IMT-2000, etc. It can include all generations or more. For example, the second generation may support a code division multiple access (CDMA) scheme, and the third generation may support a wideband code division multiple access (W-CDMA) scheme.

In the wired / wireless network 100, the wired network is, for example, the Internet, and various services existing in the TCP / IP protocol and its upper layers, namely, HyperText Transfer Protocol (HTTP), Telnet, File Transfer Protocol (FTP), and DNS (Domain). It is a global open computer network structure that provides Name System, Simple Mail Transfer Protocol (SMTP), Simple Network Management Protocol (SNMP), Network File Service (NFS), and Network Information Service (NIS). Or the purchase client 12 to connect to the online marketplace service server 102.

In the wire / wireless network 100, a wireless network is a wireless network for interworking a wireless client terminal with a wired network, and performs a handover and a radio resource management function. Such a wireless network includes a base station and a base station controller, and supports both synchronous and asynchronous. Here, in the case of synchronous, the base station will be a base transceiver station (BTS), the base station controllers 206/1 to 206 / N will be a base station controller (BSC), and in the case of asynchronous, the base station is a node B, a base station. The controller will be a Radio Network Controller (RNC). Of course, the wireless network is not limited thereto, and may include a GSM network other than a CDMA network and an access network of all mobile communication systems to be implemented in the future.

In the online marketplace service server 102 according to the present embodiment, when the sales client 10 applies for the direct payment service (a service that allows a seller to directly receive a payment for goods by trading with a buyer) according to the present embodiment, The sales client 10 is directly registered in the payment service, and manages the information of the sales client 10, such as general payment settlement price and direct payment settlement price.

In addition, the online marketplace service server 102 purchases when the purchase client 12 orders the goods in a direct payment method (a method in which a buyer can directly trade a seller's goods and pay) according to the present embodiment. A check is made to check whether the payment of the goods is made by the client 12, and if the goods are paid by the purchasing client 12 and the confirmation of the sales client 10 is made, a series of delivering the goods of the sales client 10 to the purchasing client 12. Carry out the service process.

In addition, the online market place service server 102 provides various online market play service environments, and specific service processes of the online market place service server 102 will be described in detail in the following flowchart.

The client information DB 104 stores information of the sales client 10 and the purchasing client 12, such as a subscription ID, a password, product registration information, product purchase information, and the like, which are online as necessary. It may be selected by the market place service server 102.

The general payment settlement DB 106 stores general payment settlement information of the sales client 10, for example, payment settlement information with the purchase client 12 through the online market place service server 102, and an online marketplace service as needed. Reference may be made by server 102.

The direct payment settlement DB 108 stores the direct payment settlement information of the sales client 10, for example, settlement information generated by direct transactions with the purchasing client 12 without going through the online marketplace service server 102, May be referenced by the online marketplace service server 102 accordingly.

These DBs 104, 106, 108 are managed by an online marketplace service server 102, and the relational database management system (Oracle, Infomix, Sybase, DB2) RDBMS, or object-oriented database management system (OODBMS) such as Gemston, Orion, O2, etc., can be implemented for the purposes of the present invention, and suitable fields to achieve their function Have.

Hereinafter, a method of directly receiving a purchase price seller in an online market place according to the preferred embodiment of the present invention will be described in detail with reference to the flowcharts of FIGS. 2 to 4.

First, FIG. 2 illustrates a process in which the sales client 10 is registered in a payment service, that is, a direct payment service according to the present embodiment.

As shown in FIG. 2, in step S200, the online marketplace service server 102 determines whether a payment service is requested directly from the sales client 10.

When the direct payment service is requested, the online market place service server 102 registers the sales client 10 with the direct payment service, and updates the client information DB 104 to enable the sales client 10 to make the direct payment service. (S202) (S204).

In this case, the direct payment service registration may be implemented such that the differential registration, for example, the sales client 10 is registered in the direct payment service only according to the service registration selection criteria of the online marketplace service server 102, may be a seller of a certain grade or more. Such facts can be easily understood by those skilled in the art.

Thereafter, the online market place service server 102 performs a payment service while comparing and managing the general payment settlement DB 106 and the direct payment settlement DB 108 of the sales client 10. For example, according to a result of comparing the settlement information of the general payment settlement DB 106 and the settlement information of the direct settlement settlement DB 108, it is determined whether to allow the direct settlement service according to the present embodiment. This can be easily understood in FIG. 3 below.

3 is a flowchart illustrating a method of directly receiving a purchase price seller in a online market place according to a preferred embodiment of the present invention, and more specifically, a payment service processing process using a wired or wireless network.

As shown in FIG. 3, first, it is determined whether the purchasing client 12 connects to the online marketplace service server 102 and selects an arbitrary product of the selling client 10 (S300) (S302).

If the random goods of the sales client 10 are selected by the purchase client 12 as a result of the determination in step S302, the online marketplace service server 102 proceeds to step S304 to directly sell the seller from the purchase client 12. It is determined whether a payment method is selected. As described above, the seller direct payment method refers to a method in which the purchase client 12 directly deals with the sales client 10 and purchases a product without going through the online market place service server 102.

If the purchase client 12 has not selected the seller direct payment method in step S304, the online marketplace service server 102 proceeds to step S306, where a general payment method service, i.e., a typical online marketplace service environment Proceed with the payment method services provided by.

On the other hand, if the purchase client 12 selects the seller direct payment method in step S304, the online marketplace service server 102 proceeds to step S308, the settlement DB of the sales client 10, that is, the general payment The settlement DB 106 and the direct settlement settlement DB 108 are compared with each other.

As a result of this comparison, when the direct payment price of the direct payment settlement DB 108 exceeds the general payment amount of the general payment settlement DB 106 (S310), this service, that is, the direct payment service requested by the purchasing client 12 Do not allow.

On the other hand, when the direct payment price of the direct payment settlement DB 108 does not exceed the general payment amount of the general payment settlement DB 106, the service, that is, the direct payment method service requested by the purchasing client 12 is performed. (S314).

That is, in the present embodiment, during the direct transaction between the sales client 10 and the purchasing client 12, the delivery of the goods to the purchasing client 12 is not successful due to the circumstances of the sales client 10, and thus the purchasing client 12 Is to prevent damages, and implements a direct payment method service between the sales client 10 and the purchasing client 12 only when the direct payment amount of the sales client 10 does not exceed the general payment amount. It is.

Meanwhile, FIG. 4 illustrates a specific service process of the direct payment service of FIG. 3.

As shown in FIG. 4, first, the online marketplace service server 102 performs a direct payment method service between the purchase client 12 and the sale client 10, and then the purchase client 12 is connected to the sale client 10. It is determined whether the product price is directly deposited into the payment account (S400) (S402).

As a result of the determination in step S402, when it is determined that the purchase client 12 deposits the goods price into the payment account of the sales client 10, the online market place service server 102 proceeds to step S404 and sells. After confirming the payment information of the client 10, the payment information directly updated in the direct payment settlement DB 108 of the sales client 10.

Thereafter, the online market place service server 102 is a sales client 10 through a separately designated seller management program, for example, a program that allows the sales client 10 to check product order information or deposit information of a plurality of purchase clients 12. It is determined whether the check the deposit information (S406).

At the time when such a seller deposit confirmation is completed, a predetermined deposit confirmation fee may be paid from the sales client 10 to the online marketplace service server 102.

Thereafter, the online market place service server 102 transmits the delivery information of the purchase client 12 to the sales client 10 and proceeds with the delivery process (S408) (S410). The delivery process at this time is a process in which the sales client 10 directly delivers the product to the purchasing client 12, and the sales client 10 deducts a shipping fee to the purchasing client 12 and delivers the product as necessary. You could do it.

Thereafter, the online marketplace service server 102 determines whether there is a delivery completion confirmation by the purchase client 12 (S412), and if there is a delivery completion confirmation, ends the direct payment method service according to the present embodiment (S414). .

At this time, in the present embodiment, in consideration of the case in which the product is not delivered to the purchase client 12 due to the circumstances of the sales client 10 may cause damage to the purchase client 12, the product for a certain period of time If it is not delivered to the purchase client 12 (S416), it may further include a process of subtracting the product price from the general payment price of the general payment settlement DB 106 of the sales client 10 (S418).

As described above, the present invention proposes a service environment that can further activate the online marketplace market by selectively allowing direct transactions between the seller and the buyer in the online marketplace service environment.

In addition, the present invention, when the direct transaction between the seller and the buyer in the online marketplace service environment, in real time monitoring the general payment price and direct payment price of the seller to determine whether to allow the direct payment service, the final delivery to the buyer If it is not possible, the settlement is made by deducting the general settlement price of the seller, which is accumulated, so as to secure the purchase reliability in case of failure of delivery by the seller's intention or mistake.

Meanwhile, the embodiments of the present invention have been described in detail, but the present invention is not limited to these embodiments, and various modifications may be made by those skilled in the art within the spirit and scope of the present invention described in the claims below. to be.

1 is a schematic block diagram of a wired and wireless network for implementing a payment service method according to the present invention;

2 is a flowchart of a payment service registration process according to a preferred embodiment of the present invention;

3 is a flowchart of a payment service processing process according to a preferred embodiment of the present invention;

4 is a detailed flowchart of the direct payment method service process of FIG.

<Brief description of the major symbols in the drawings>

10: Sales Client 12: Purchase Client

100: wired or wireless network

102: Online Marketplace Service Server

104: Client Information DB

106: general payment settlement DB

108: direct payment settlement DB

Claims (9)

As a direct method of receiving a payout seller at an online marketplace where a large number of sales clients and purchase clients are connected to an online marketplace service server via wired or wireless network, Registering a first payment client with a direct payment service when a direct payment service, which is directly traded with a first purchase client by a first sales client of the plurality of sales clients and purchase clients, is requested from the first sales client; Updating a client information DB of the first selling client so that the first selling client can directly make a payment service; Process of performing a payment service while comparing and managing a general payment settlement DB and a direct payment settlement DB of the first sales client How to directly receive the purchase price in the online marketplace, including. The method of claim 1, The process of proceeding with the payment service, And directly determining whether to allow the direct payment service according to a result of comparing the settlement information of the general payment settlement DB and the settlement information of the direct payment settlement DB. The method of claim 1, The process of proceeding with the payment service, Method of directly receiving the purchase price seller in the online marketplace, characterized in that the payment process according to the transaction performance or grade of the first sales client. As a direct method of receiving a payout seller at an online marketplace where a large number of sales clients and purchase clients are connected to an online marketplace service server via wired or wireless network, Determining whether a first purchasing client of the plurality of purchasing clients selects an arbitrary product of the first selling client among the plurality of selling clients; Determining whether a direct payment method with the first selling client is selected from the first purchasing client when an arbitrary product of the first selling client is selected by the first purchasing client; In the case where the first purchase client selects the direct payment method, a payment service is performed according to the transaction performance or grade of the first selling client. How to directly receive the purchase price in the online marketplace, including. The method of claim 4, wherein The process of performing the payment service according to the transaction performance or grade, Comparing the general payment settlement DB and the direct payment settlement DB of the first sales client when the first purchase client selects the direct payment method; The process of determining whether to allow the service by the direct payment method according to the comparison result of the general payment settlement DB and the direct payment settlement DB How to directly receive the purchase price in the online marketplace, including. The method of claim 5, wherein Direct payment method of the purchase price seller directly in the online marketplace, characterized in that the service by the direct payment method if the direct payment price of the direct payment settlement DB does not exceed the general payment price of the general payment settlement DB . The method of claim 6, The service by the direct payment method, If it is confirmed by the first purchase client that the price of the product is deposited in the payment account of the first sales client, updating the direct payment price information of the first sales client; Transmitting the delivery information of the first purchasing client to the first selling client when the first payment client confirms the direct payment information; Terminating the service by the direct payment method when the first purchase client confirms delivery completion; How to directly receive the purchase price in the online marketplace, including. The method of claim 7, wherein The method of directly receiving the purchase price seller in the online market place, If the delivery to the first purchase client fails during a predetermined period, the purchase price seller direct receiving method in the online market place comprising the step of deducting the price of the product from the general payment price of the first sales client. The method of claim 7, wherein If the first payment client confirms the direct payment information, the online marketplace service server may be settled by deducting a predetermined payment confirmation fee from the general payment price of the first sales client to the online marketplace service server. How to receive your payment directly from the place.

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