KR20100084012A - Transaction providing system and method using the seller tag - Google Patents

Abstract

PURPOSE: A payment means providing system using a professional seller tag and a method thereof are provided to sufficiently offer online electronic payment through a blog, cafe and e-mail etc., thereby actively inducing the application of the online electronic payment. CONSTITUTION: According to a request of an electronic payment system, a professional seller issuing system generates a unique professional seller tag in a member store(S30,S40). The professional seller issuing system offers the professional seller tag to a seller apparatus. The member store exposes the professional seller tag to a web environment through the seller apparatus(S50). In case a buyer presses the professional seller tag through a buyer apparatus, the buyer receives a payment window for price payment of goods.

Description

Transaction Providing System and Method Using the Seller Tag}

The present invention relates to a system and method for providing a payment method using a professional seller tag, and more specifically, a seller can easily expose a professional seller tag without limitation anywhere on the Internet space such as a website, a cafe, a blog, an email, and the like. In addition, the buyer provides a system and method for providing a payment means using a professional seller tag that can be conveniently completed through the payment window provided by clicking the professional seller tag.

With the development of the Internet, commodity trading through the Internet is actively being performed. Merchandise trading over the Internet saves shopping time by allowing users to select, order, pay, and even deliver goods over the Internet, either from the company's computer or at home without having to visit the store. There are many advantages, such as being able to compare different products. One of the most important considerations for consumers in the trade of goods over the Internet is payment.

One safe way to trade and pay for goods over the Internet is through the escrow system. A typical example is an auction site, which is expensive and administratively difficult for small e-commerce sites to build and operate on their own.

In order to overcome these difficulties, companies are specializing in providing escrow payment methods to small sites operated by the community. A typical example is www.unicro.co.kr, a company that provides an escrow payment method after partnering with a site to receive service. For example, a site called www.unicro.co.kr is affiliated with a camera club site called www.pentaxclub.co.kr, and a group member on www.pentaxclub.co.kr wants to sell the camera or its accessories. When it comes to escrow payment.

However, there are inconveniences in that the escrow payment method or system provided by the website www.unicro.co.kr cannot be used in the fellowship site where the agreement is not concluded. For example, www.unicro.co.kr and www.pentaxclub.co.kr require preliminary arrangements for pre-agreement, integration of a system that provides commodity information, and a payment system. There is a constraint available. In other words, if the operator who operates the camera café site in Naver wants to use the payment system provided by www.unicro.co.kr, there is a problem that the agreement between Naver and www.unicro.co.kr must be established first. will be.

In other words, a store that wants to use a conventional online electronic payment service must establish a web site such as a specific homepage or a shopping mall for the corresponding company and mount an electronic payment service or a shopping mall module on the web site to provide the online electronic payment service to the buyer. Could.

As a result, small retail stores, franchise companies, trade show sellers, and convenience stores generally do not have their own homepage or shopping mall. In some cases, the scope was very limited to a specific homepage.

In addition, the conventional electronic payment method such as escrow during the sale of goods takes too much time and computer work for the seller, and most of the sellers refuse to use the conventional safe transaction method. In addition, if the seller can not use the Internet skillfully enough, there was a problem that can not use the conventional secure transaction method.

Another problem is that although the conventionally used escrow payment system is only responsible for payment, there is a problem of separately uploading item information to be sold to a system that provides escrow payment. From the seller's point of view, he is doing a double task of uploading the goods information not only to the site where he or she is bargaining for the goods, but also to the payment system that handles the escrow payment. Under these circumstances, the conventional method provided by the escrow payment system is known that the payment can be secured from the seller's point of view, but it is not widely used because it is inconvenient to use.

The present invention has been made to solve the above problems, the object of the present invention, even if the homepage or shopping mall of the company (company), such as small sales stores, franchise companies, exhibition goods sellers, convenience stores are not built , Through the usual Internet spaces such as general blogs, cafes, e-mail, etc., can fully provide and use online electronic payments can be used to drive the utilization of the web environment, such as blogs, cafes, e-mail familiar to both sellers and buyers It is to provide a payment method providing system and method using a professional seller tag that can provide a new and convenient payment guide means used.

In order to achieve the above object, a system for providing a payment method using a professional seller tag according to the present invention includes a web environment connected to the Internet, such as a homepage, a blog, a cafe, an email, a seller device, and a buyer device for accessing the web environment. A payment means providing system using a specialized seller tag that provides a payment method between the seller device and the buyer device in the transaction of goods between the seller and the buyer through, the merchant to approve the merchant to handle the electronic payment related operations, An electronic payment system for requesting a professional seller tag issuing system to generate a specialty seller tag to be uniquely assigned to the affiliated store when a professional seller tag issuing request is made by the professional seller tag issuing system; And a specialized seller tag issuing system for generating and issuing a specialized seller tag unique to the affiliated store according to a request of the electronic payment system, and providing the issued specialized seller tag to the seller device, wherein the specialized seller tag is an affiliated store. As a unique payment guide tool for each specific, the professional seller tag is provided to be copied to the web environment, the merchant copy the issued professional seller tag through the seller device to expose the web environment, the buyer is the buyer When the professional seller tag is pressed through the device, the payment window for proceeding with the payment for the product to be purchased is characterized in that it is provided.

According to the system and method for providing a payment means using a professional seller tag according to the present invention has the following remarkable effects.

A store that wants to use a conventional online electronic payment service must provide a web site such as a specific homepage or shopping mall for the corresponding company and mount the electronic payment service or shopping mall module on the web site to provide the online electronic payment service to the buyer. .

As a result, small-scale retail stores, franchise companies, trade show sellers, and convenience stores generally do not have their own homepage or shopping mall, so they cannot actively use the online electronic payment service. Even if the scope is very limited to a specific homepage.

However, by using the professional seller tag according to the present invention, even if the homepage or shopping mall of the company (company) is not established, such as a small sales store, a franchise company, an exhibition product seller, and a convenience store, a general blog or cafe Can provide and use online electronic payment through e-mail, e-mail, etc., and can actively use it, and can provide new and convenient payment guide using web environment such as blog, cafe, and e-mail that both seller and buyer are familiar with. That has a remarkable effect.

In addition, the buyer can communicate the purchase intention such as purchase name and quantity through mobile phones, telephones, etc., and can complete the payment through the click of the professional seller tag exposed on the blog, cafe, e-mail, etc. There are advantages to it.

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

1 is a system configuration of a payment means providing system using a professional seller tag according to the present invention.

Referring to FIG. 1, a system for providing a payment means using a professional seller tag according to the present invention includes an electronic payment system (eg, a payment gateway system), a professional seller tag issuing system, a seller device, and a buyer device through an internet network. The electronic payment system is connected to a financial institution system and a credit card system. In the present invention, since the credit card system and the financial institution system are not related, the credit card system will be described as being included in the financial institution system.

The seller device is a device such as an electronic information terminal or a computer operated by an individual who sells goods, and is connected to the electronic payment system through an internet network, and is a specialized seller for accessing the electronic payment system to help pay for a specific product. Request issuance of a tag, and copy the issued professional seller tag to register in the web environment.

The web environment is an internet site accessible to the seller device and the purchaser device, and is an item to be sold by the individual as an activity space on the Internet such as a personal / company homepage, a fellowship site, a forum, a mini homepage, a blog, a bulletin board, and an e-mail. Any space on the Internet where you can promote your business is irrelevant.

The purchaser device refers to a general computer device for making a payment through a professional seller tag exposed to an internet space provided by the web environment when a specific item is to be purchased through the web environment.

The electronic payment system is a system for providing a payment means between the seller and the buyer in the transaction of goods between the seller and the buyer using a web environment connected to the Internet network, the system configuration is a conventional server computer with an input / output device attached It is composed of a device called and is authorized to process the seller to use the electronic payment system to the merchant to perform electronic payment-related tasks such as escrow payment, the electronic payment system information (for example, the name of the merchant, affiliated merchants) A merchant DB for storing a code, merchant registration ID, etc.) is provided.

Representative examples include PG companies such as Korea Cyber Money and INICIS, which provide an escrow payment method by approving a seller who wants to use the electronic payment service as a merchant.

Electronic payment system according to the present invention On the basis of the conventional electronic payment system of the PG company as described above by providing an additional electronic payment guide tool called a professional seller tag of the present invention the range of coverage to the seller more convenient and easy to use payment means We present an electronic payment system that provides.

As used herein, the term "professional seller" refers to a seller who has a large amount of goods and sells to a large number as a main business and generates profits. Therefore, a general professional seller is generally provided with an internet electronic payment service by joining a specific PG company as a merchant to promote and sell products on the Internet with the development of the Internet.

According to the present invention, the professional sellers generally use the electronic payment service by subscribing to the conventional PG company, thereby providing another new payment method based on the electronic payment system of the conventional PG company. Not only can it generate profits more actively, but it can also provide enough usefulness and maximize convenience to sellers who do not use PG as a small company and maximize convenience, leading to participation in electronic payment service. The present invention provides a system and method for providing a transaction settlement.

Based on the electronic payment system of the conventional PG company, a new merchant other than the conventional escrow payment method to a professional seller who has already joined the conventional PG company and uses the conventional escrow payment method or wants to join a new merchant in the PG company. The payment method, that is, providing a payment means using the professional seller tag of the present invention, even if the payment proceeds to enter the professional seller tag of the present invention, which is another payment method, the payment process for the actual payment of the goods is the conventional electronic This means that the payment processing is performed using a payment method of a payment system (ie, credit card, bank transfer, mobile phone payment, etc.).

The financial institution system provides a virtual account to the electronic payment system, and provides payment information to the electronic payment system whenever or when the purchase history of the buyer occurs.

The financial institution system and the electronic payment system are connected by a dedicated line, and the electronic payment system, the seller device, the purchaser device, and the web environment are connected through an internet network.

The professional seller tag according to the present invention is a payment guide tool issued for each merchant so that the professional seller tag can be copied to the web environment, and the merchant copies the professional seller tag issued through the seller device. When exposed to the web environment, the buyer is provided with a payment window for the actual payment process when pressing the professional seller tag exposed to the web environment using the buyer device.

2 is an example of a professional seller tag provided to the affiliated store device so that the affiliate store can copy and expose the web environment.

In FIG. 2, a plurality of professional seller tags appear to be visually divided by a number of representative portal sites (NAVER, DAUM, Paran, etc.), but only for visual convenience of a seller who wants to copy a professional seller tag. The professional seller tags matched to each of the divided objects (NAVER, DAUM, Paran, etc.) are eventually the same professional seller tag.

In the present invention, a professional seller tag is provided in three forms. The first is an image form 401 that can be used in an image bulletin board, the second is an HTML form 403, and finally the URL form 405.

An example of a source code for copying to a clipboard to provide a retailer tag 401 in an image form to a web environment is an example of implementing JavaScript "function copy_all ()".

function copy_all ()

{

     var text = document.item.document.body.createTextRange ();

     text.select ();

     text.execCommand ("Copy");

}

The first var text statement specifies the area of the image to copy, the second text.select () statement selects the area, and the last statement copies it to the clipboard of the merchant's device.

The source code provided in HTML form 103 is

function copy_html () {

     var ele = document.item.document.body;

     var maintext = ele.innerHTML;

     window.clipboardData.setData ("Text", maintext);

}

For example, you can store an object in document.item.document.body, store it in a variable in maintext, and copy the contents to the clipboard of the merchant's device.

The source code provided in URL form 105 is

function copy_link () {

    var maintext = "http://www.eummoney.com/mc/index.jsp?mc_id=Merchant Separator";

     indow.clipboardData.setData ("Text", maintext);

 }

Can be implemented.

In the three types of deposit windows, "http; // www.eummoney.com/mc/index.jsp?mc_id=merchant identification" is recorded as meta information.

In addition, when exposing the professional seller tag 400 of the present invention in the form of the image, it is a matter of course that the merchant may include the trade name, contact information and other necessary information on the image and provide the display to the buyer.

3 is an example illustrating a state in which the professional seller tag of FIG. 2 is copied and exposed to a web environment.

As shown in FIG. 3, the seller simply copies and pastes the professional seller tag 400 uniquely issued to a specific merchant in the specialized seller tag issuing system through the seller device and pastes it on a desired web page. Preparation is complete.

After that, when the buyer who has completed the intention to make a transaction with the seller wants to proceed with the payment of the corresponding product, the buyer accesses the web page informed by the seller and clicks the professional seller tag 400 exposed on the web page to make a payment. You can complete the deposit.

4 is a flowchart illustrating a work flow of a payment method providing method using a professional seller tag according to the present invention. Referring to Figure 4 will be described with respect to the flowchart of the transaction payment providing method using a professional seller tag according to the present invention.

A professional seller who wants to use a conventional electronic payment service as well as an electronic payment service using a professional seller tag of the present invention, accesses an electronic payment system through the seller device and applies for an electronic payment service using merchant (S10). The electronic payment system receives an ID, a password, an address, a company name, an account number to be deposited, and stores the affiliated merchant in a merchant DB. In addition, the account number may be requested in a separate step without request when joining the affiliated store, and may be stored in a separate DB instead of the affiliated store DB.

The electronic payment system registers and accepts the seller who applied for the merchant as an electronic payment service target (S20), and assigns a unique merchant code to be assigned to the merchant.

The merchant code is a unique arrangement of alphabets and numbers assigned to each merchant so as not to overlap each other to distinguish a plurality of merchants using the electronic payment system, and is also used in a conventional electronic payment service for payment in electronic commerce.

The electronic payment system that has issued a merchant code corresponding to the merchant approval and the affiliated store approves the specialist seller issuing system to issue the specialized seller tag to be assigned to the approved merchant (S30), and the specialist seller issuing system According to the request, a unique professional seller tag is generated for each affiliate store. (S40)

For reference, in the above, after the approval of the merchant, it is configured to issue the merchant code first and then issue the professional seller tag, but after issuing the professional seller tag first, proceeding to issue the merchant code to achieve the object of the present invention. Indifference is natural.

In this case, the unique merchant tag for each affiliate means that all payments are made through one specialist seller tag assigned to the merchant, regardless of the type and quantity of goods sold if the same merchant is subscribed to the electronic payment system. .

In more detail, the seller who sells the goods in the auction (www.auction.co.kr) site can select the goods for sale in order to know the sales quantity and deposit details of the goods, so that the details can be known. In other words, when a seller named user 1 is selling bicycles and golf clubs, a web page for selling bicycles and a web page for selling golf clubs are separately generated, and a payment button exists on each web page for selling goods. Each payment button is created and managed by subordinate to the corresponding product. In order to determine the deposit details for the sale of the bicycle, the user 1 can select the bicycle from among the products being sold, and the user can select the golf club from the products being sold to check the deposit history of the golf club. That is, the auction site system should be understood that a unique payment window is provided for each member rather than a unique payment window. In other words, a deposit situation or the like is provided using a key being sold.

In contrast, in the present invention, when a seller named user 1 is selling bicycles and golf clubs in the same situation as above, a web page for selling bicycles and a web page for selling golf clubs are generated, and all items are used in one web page. It may be sold by the sale, or may generate and sell each web page for each item.

If one web page is used, a copy of the professional seller tag generated and issued according to the present invention may be exposed to the web page. At this time, two sales items (bicycles and golf clubs) are raised on one web page. However, there is only one vendor tag exposed. That is, all the sales items posted on the web page is a payment proceeds through one professional seller tag according to the present invention.

In the case of generating and selling each web page, the sales web page of each item may be copied to the corresponding web page by copying the professional seller tag created and issued according to the present invention. Merchant tags are apparently two, but are actually copies of the same button. This is because the professional seller tag provided in the present invention is a specialized seller tag unique to each merchant.

Hereinafter, with reference to the work flow of the present invention, look at the specific configuration and application embodiments of the professional seller tag according to the present invention.

The specialized seller issuing system receiving the request of the electronic payment system generates a specialized seller tag unique to the affiliated store based on the affiliated store DB containing the affiliated store identification information. As the affiliated store identification identifier, an affiliated store ID or the affiliated store code registered by a specific retailer when joining an affiliated store in the electronic payment system may be used.

When the professional seller tag is exposed to the web environment, it is shown as a simple button in appearance, and the button stores a merchant identification identifier for identifying a merchant that is a seller as meta information.

In addition, the electronic payment system may additionally request sales product information in addition to the affiliated store identification information for issuing a specialized seller tag unique to the affiliated store.

The sale product information refers to product list information to be sold by a merchant who intends to proceed with the sale and settlement of goods using a specialized seller tag.

In the payment means providing system using the professional seller tag of the present invention, the system is not constructed as a system for making a payment for each product, and all products are collectively settled through one unique professional seller tag. Therefore, information about the purchased product (for example, a product name and a product amount) is not provided to a buyer who selects (ie, clicks) the specialized seller tag of the present invention for payment of a specific product.

Therefore, a product selection window of the present invention corresponds to a product to be purchased and a product to be settled, and a means for helping to confirm the amount of money and to accurately input the amount of money.

The product selection window is provided to the buyer in a menu table form as a list of products created by the specialized seller tag issuing system based on the sale product information provided from the affiliate store.

The product selection window is stored such that a product selection window unique to a specific professional seller tag storing the affiliated store identification is matched. Therefore, when a particular merchant copies the specialty seller tag, meta information for presenting a product selection window matched with the specialty seller tag is also included. Therefore, when the product selection button displayed in the activated payment window is clicked from the professional seller tag exposed to the web environment, the product selection window matching the specific specialty seller tag is opened to conveniently purchase the product and the amount that the buyer wants to purchase. Guide them to make choices and entries.

5 is an embodiment of a payment window and a product selection window provided when a professional seller tag exposed to a web environment is pressed.

The payment window 500 according to the present invention is activated when the professional seller tag 400 is pressed and provided in the form of a pop-up window. The payment window 500 includes at least a product amount input field 520 and a payment method selection box. It is configured to require the buyer to enter a payment amount and to select a payment method.

The payment method, credit card payment, bank account transfer, bank transfer, mobile phone payment method and the like can be applied as in the conventional electronic payment settlement.

In addition, the payment window 500 has a purchase name input field 530 that can describe the name of the product that the buyer wants to purchase and a transaction memo field 540 that can describe other details that the buyer wants to deliver to the seller. Of course, it can be configured to have more.

Product selection window 600 according to a preferred embodiment of the present invention, when clicking the product selection button 510 provided in the payment window 500 is expanded in the form of a menu table and the list of products sold by the merchant to the buyer It can be configured to provide an indication.

Therefore, when the purchaser clicks the product intended to be purchased in the displayed product selection window 600, the purchaser automatically displays the payment amount corresponding to the clicked product in the product price input field 520 of the payment window 500. It is possible to complete the input of the commodity price accurately and conveniently.

In addition, the product name input field 530 may be used in connection with the product selection window 600. That is, when a purchaser clicks on a specific product in the product selection window 600, the selected product name is automatically entered in the product name input field 530. The product selection window 600 as described above and the automatic input of the product name through the same may bring the following advantages to the seller.

That is, data about the specific brand name selected and input through the product selection window 600 is recorded and stored together with the payment information, and the information is provided to the seller.

Specifically, when the payment is made through the professional seller tag, the information (product name and amount) input through the click of the product selection button is recorded and stored, and the merchant presses the professional seller tag exposed by the merchant. You can be provided with the information entered.

By providing the seller with information indicating the name of the specific item of sale, together with the payment amount and the name of the payer, the seller is able to accurately recognize the item of sale corresponding to the amount paid, and also to what extent The quantity has been sold and there is an advantage that can be utilized by receiving data on the sales amount of the product.

The purpose and object of the present invention may be sufficiently achieved by using only the product selection window 600 and the professional seller tag 400 in which the automatic product name input function is omitted. That is, in the case of the conventional electronic payment service, the electronic payment service or the shopping mall module can be used to sell goods using only a specific web site designated and provide the electronic payment to the buyer, but the object of the present invention is limited to the electronic payment as described above. This is because it intends to expand the scope of use (ie, a specific website designated with an electronic payment service or a shopping mall module) to an unlimited number (ie, it is possible to easily sell products and provide electronic payment in any web environment without any limitation in the Internet space). .

As described above, the professional seller tag 400 of the present invention issued to a merchant affiliated with a PG company is a copy of the professional seller tag 400 granted to the seller and exposed to the web page. All you have to do is prepare for electronic payment.

The copy is made by copying from the professional seller issuing system to the seller's clipboard and pasting it into the web environment. At this time, when there is a user's paste operation, the professional seller tag 400 copies the url of the web environment and transmits it to the professional seller issuing system, and the professional seller issuing system that receives the transmission stores it in the affiliate store DB. .

For reference, the affiliated store DB can be freely shared with each other through the cooperation of the operating entity of the electronic payment system and the professional seller issuance system. Through the sharing of the merchant DB, the electronic payment system is a professional merchant tag of the present invention directly through the electronic payment system without having to separately sign up for the professional seller issuing system only if the affiliate is a member affiliated with the electronic payment system. 400 can be issued and used to increase the utilization of the professional seller tag as well as to provide convenience to the merchant.

Hereinafter, an embodiment in which payment is made using the professional seller tag 400 according to the present invention at a pizza sales store in which the Internet site (home page) of the company does not exist, the professional seller tag 400 of the present invention. ) Will be described in the work flow of the payment method providing system using.

The pizzeria store, which is affiliated with an electronic payment system operator such as PG and issued a special seller tag 400 unique to the pizzeria merchant, has its own blog, cafe, e-mail, even if its own homepage does not exist. The professional seller tag 400 is copied and exposed on a general web environment, such as (S50).

A child who wants to buy pizza on the way home from school visits the pizza sales store and wants to buy pizza, but the child does not have money. The child contacts his parents and delivers the situation (such as the name and amount to purchase).

The parent asks the manager of the pizza sales store where the specialized seller tag 400 of the store is exposed, and the manager informs his blog address of the professional seller tag 400 of the store. .

The parent clicks on the professional seller tag 400 exposed to the blog for the price of the product the child wants to purchase and proceeds with the payment of the pizza price according to the payment process. (S60) The price generated through the payment, that is, the pizza price Is deposited in the virtual account associated with the electronic payment system, and the money deposited in the virtual account is again deposited in the deposit account associated with the professional seller issuance system.

Upon completion of the payment process, payment information is transmitted to the electronic payment system, and the electronic payment system receiving the payment information approves a transaction and transmits the payment information to the expert seller tag issuing system (S70). In addition, the payment amount deposited into the virtual account of the electronic payment system is deposited into the deposit account of the professional seller issuing system (S80).

The payment information refers to information including merchant identification information matched to the specialized seller tag 400 which a specific buyer clicks on and performs payment, name and payment amount of the buyer who has made a payment.

That is, the electronic payment system is able to know what payment is made in the specialized seller tag 400 of which affiliate store through the affiliated store identification identifier, and based on this, to the professional seller tag 400 in which the payment is made. The fact that a transaction occurs can be communicated to corresponding merchants.

The expert seller tag issuing system that has received the payment information notifies the merchant corresponding to the expert seller tag 400 in which the payment has occurred (ie, the amount of the transaction and the payer's name) (S90). The merchant notified of the occurrence of the transaction confirms the occurrence of the transaction and delivers or delivers the corresponding product to the buyer.

After receiving the goods, the buyer confirms the received goods and delivers the final intention of confirming the final purchase to the specialized seller issuing system (S110). The specialized seller issuing system transfers the transaction price to the account of the seller (S120). The transaction is completed by transmitting the transaction payment information to the electronic payment system (S130).

The final purchase confirmation intention in step S100, if you press the professional seller tag 400 to provide a final purchase confirmation button separately in the payment window 500 provided, the buyer received the product clicks the final purchase confirmation button It can be configured to be delivered to the professional seller issuance system through a method or the like.

In the system for providing a payment means using the professional seller tag according to the preferred embodiment of the present invention described and illustrated above, the subjects operating the electronic payment system and the professional seller tag issuing system are configured differently.

This means, through an alliance between an operating entity of the electronic payment system and an operating entity of the professional seller tag issuing system, the operating agent of the professional seller tag issuing system sends the payment means using the professional seller tag of the present invention to the operating system of the electronic payment system. The electronic payment system operator can create a new revenue model for each operating entity by receiving a new payment method from the specialized seller tag issuing system operator and applying it to the structured electronic payment system. To make it work.

Therefore, the electronic payment system and the professional seller tag issuing system can be configured to be operated by one operating entity, and in the case of the case described above, the process of issuing the professional seller tag and The process of utilization and settlement is the same, but there is only a difference in the process of processing the payment deposited on the goods purchased by the buyer.

That is, in the preferred embodiment, the price paid through the purchaser enters into a virtual account associated with the electronic payment system, and is then deposited into a deposit account associated with the professional seller system. It consists of a business flow of depositing a transaction amount into a seller's account. However, if the electronic payment system and the professional seller system are operated by a single entity, the virtual account becomes a deposit account and the payment of payment from the buyer Naturally, the work flow can be configured such that all payments to the seller occur in the virtual account.

In addition, the payment module according to the preferred embodiment of the present invention described above is sold only after the purchase price of the goods paid by the buyer is first deposited in the electronic payment system or the professional seller issuing system, and finally the seller receives the goods. It is described and illustrated to proceed with the payment in a secure payment method that is transferred to the account of the.

However, the payment module for the payment of the goods and the payment of the payments paid for the goods can be applied not only to the above secure payment method, but also to the normal payment method.

For example, when the payment module of the bankbook payment method is applied, the electronic payment system notifies the buyer of the account number of the seller to the buyer, who wants to proceed with the payment through the specialized seller tag exposed by the merchant, so that the payment amount is increased. The object of the present invention can also be achieved by adopting a payment method in which the seller deposits money in an account registered in the electronic payment system without being deposited in the payment system.

As described above, a store that wants to use a conventional online electronic payment service must construct a web site such as a specific homepage or a shopping mall for a corresponding company and mount an electronic payment service or a shopping mall module on the web site. Could be provided to the buyer.

As a result, small-scale retail stores, franchisees, trade show sellers, and convenience stores generally do not have their own homepage or shopping malls, so they could not actively utilize such online electronic payment services. Even if the scope is very limited to a specific homepage.

However, by using the professional seller tag according to the present invention, even if the homepage or shopping mall of the company (company) is not established, such as a small sales store, a franchise company, an exhibition product seller, and a convenience store, a general blog or cafe Can provide and use online electronic payment through e-mail, e-mail, etc., and can actively use it, and can provide new and convenient payment guide using web environment such as blog, cafe, and e-mail that both seller and buyer are familiar with. That has a remarkable effect.

Hereinafter, an extended embodiment of a payment means providing system using a professional seller tag according to the present invention will be described.

An extended embodiment of the present invention is configured to copy a professional seller tag issued to a specific merchant to a non-specified general public (hereinafter, copyer) who is not registered in the electronic payment system to expose the web environment.

In detail, a copyer who is not registered as an affiliated store in the electronic payment system may copy and expose a professional seller tag issued to a specific affiliated store through the following two methods.

First, the copying method through the professional seller tag issuing system. The copyer who accesses the professional seller tag issuing system and completes the membership registration process searches for the affiliate store he wants to copy, and copies the professional seller tag assigned to the searched merchant to expose it to the web environment he / she wants.

Second, a specific merchant enters a web environment in which a professional seller tag is exposed, copies the professional seller tag, and exposes it to a web environment of interest.

When the professional seller tag is copied through the second method, the copyer is requested to log in as a previous step for copying the professional seller tag.

The ID (ID) and password necessary for the login process correspond to the ID (ID) and password registered at the time of registration by the copying agent in the professional seller issuing system.

If the copyer who wants to copy the professional seller tag exposed by a particular merchant is not registered in the professional seller issuing system, the user is requested to complete the membership first in the login step.

Through such a method, a plurality of unspecified consumers can expose a special seller tag of a specific merchant to various web environments, through which the copyer can achieve profit sharing effect and the merchant can promote and increase sales. Advantages arise.

For example, copyer A writes an introduction to pizzeria B and its excellent taste on his blog, and copies the professional seller tag assigned to pizzeria B for the buyer who wants to buy the pizza immediately. Suppose you have exposed your blog.

If the buyer surfing the web reads the copy of the copy A's blog and completes the payment through the professional seller tag exposed in the blog, the payment information is transmitted to the electronic payment system and the professional seller issuing system.

The payment information according to the extended embodiment of the present invention further includes information on the copyer that exposes the professional seller tag in which the payment has occurred, so that a certain amount of profit is distributed to the copyer who generated the sales. .

That is, the specialty seller tag has a merchant identification identifier as meta information as described above, and when a specific copyer copies a specialty seller tag unique to the merchant, the specialty seller tag has a copyer for distinguishing the copyer. It is configured to further include a distinguishing identifier (eg, an ID registered at the time of membership registration in the professional seller tag issuing system).

Therefore, when the sales are generated through a specific professional seller tag, it is possible to distinguish a copyer exposing the professional seller tag in which the sales are generated, and to distribute a certain portion of the generated sales to the corresponding copyer as revenue.

According to the extended embodiment of the present invention as described above, the copyer may receive a certain amount of revenue according to the sales generated through the professional seller tag exposed by the person, and the affiliated store may be distributed by the unspecified number of consumers. There is an advantage that can increase sales through the publicity effect.

Although specific embodiments of the present invention have been described and illustrated above, it will be apparent that various modifications may be made by those skilled in the art without departing from the technical spirit of the present invention. Such modified embodiments should not be understood individually from the spirit and scope of the present invention, but should fall within the claims appended to the present invention.

1 is a system configuration of a payment means providing system using a professional seller tag according to the present invention.

Figure 2 is an example of a professional seller tag provided to the merchant device so that the merchant to copy and expose to the web environment.

3 is an example showing a state in which the professional seller tag of FIG. 2 is copied and exposed to a web environment.

Figure 4 is a business flow diagram for the work flow of the payment method providing method using a professional seller tag in accordance with the present invention.

5 is an embodiment of a payment window and a product selection window provided when the professional seller tag is exposed to the web environment.

Claims (18)

Web environments provided on the Internet such as homepages, blogs, cafes, e-mails, etc .; A seller device and a buyer device for accessing the web environment; And a payment means providing system using a professional seller tag that provides a payment method between the seller device and the buyer device in the transaction of goods between the seller and the buyer using an electronic payment system that processes the electronic payment related work by approving the merchant. As A professional seller tag issuing system for generating and issuing a specialized seller tag unique to the affiliated store according to a request of the electronic payment system, and providing the issued specialized seller tag to the seller device; The professional seller tag is a payment guide tool unique to each merchant, and the professional seller tag is provided to copy the web environment, and the merchant copies the issued professional seller tag through the seller device and exposes the web environment. And, when the buyer presses the professional seller tag through the purchaser device, the buyer is provided with a payment window for proceeding with the payment for the product to be purchased. The method of claim 1, The payment window provided when the professional seller tag is pressed comprises a field for inputting at least the amount of goods, and the payment means providing system using a professional seller tag, characterized in that for requesting the selection of the payment method. The method of claim 2, The payment window is provided with a product selection button, when a buyer presses the product selection button, a product selection window is provided that lists a list of products sold by the merchant corresponding to a specific professional seller tag exposed to the web environment, When the buyer clicks on the product intended to purchase in the product list of the product selection window, the amount of the clicked product is automatically entered in the product amount input field, characterized in that the payment system using a professional seller tag. The method of claim 3, wherein The payment window further includes a product name input field for describing a product name, When the buyer clicks on the product intended to be purchased from the product list of the product selection window, the name of the clicked product is automatically entered in the product name input field, characterized in that the payment means providing system using a professional seller tag. The method of claim 1, The specialty seller tag, a payment means providing system using a specialty seller tag, characterized in that the merchant identification identifier for distinguishing from the other merchants as meta information. The method of claim 5, The affiliated store identification identifier is a merchant ID registered by the seller at the time of joining the merchant in the electronic payment system, or a merchant code providing system using a professional seller tag, characterized in that the merchant code composed of a combination of numbers and English. The method of claim 1, The professional seller tag is at least one selected from the image form, HTML form and URL form payment system providing system using a professional seller tag, characterized in that provided. The method of claim 7, wherein When the professional seller tag is configured in the form of the image, the professional seller tag payment system using a professional seller tag, characterized in that the name, contact information and other necessary information of the merchant is listed. The method of claim 7, wherein Providing the professional seller tag in the form of an image is a payment means using a professional seller tag which comprises a series of executions of setting an area in which the image is located, selecting the corresponding area, and copying it to the clipboard of the seller device. Provide system. The method according to claim 3 or 4, When the payment is made through the professional seller tag, the information input through the click of the product selection button is recorded and stored to provide the input information to the affiliated store when the merchant presses the professional seller tag. System for providing payment methods using specialized seller tags. The method of claim 1, The professional seller tag issuing system, A system for providing a payment means using a professional seller tag, wherein the general person who is not registered in the electronic payment system is configured to copy a professional seller tag uniquely issued to the specific merchant to the web environment. The method of claim 1, The professional seller tag that the affiliate copy is exposed to a specific web environment, System for providing payment means using a professional seller tag, characterized in that the general public who is not registered in the electronic payment system can be exposed to another web environment after accessing and copying the specific web environment. 13. The method according to claim 11 or 12, System for providing a payment means using a professional seller tag, characterized in that the copy of the public by the professional seller tag includes a distinguishing identifier for distinguishing the tile class with the meta-information. The method of claim 13, Distinguished identifier for distinguishing the tile with the person is a system for providing payment means using a professional seller tag, characterized in that the ID (ID) registered at the time of membership registration to the professional seller issuance system. Web environments provided on the Internet such as homepages, blogs, cafes, e-mails, etc .; A seller device and a buyer device for accessing the web environment; And a method of providing a payment method using a professional seller tag that provides a payment method between the seller device and the buyer device in the transaction of goods between the seller and the buyer using an electronic payment system that processes the electronic payment related work by approving the merchant. As A first step of requesting generation of a specialty seller tag to be uniquely assigned to the affiliated store from an electronic payment system that is requested to issue a specialty seller tag from a seller registered as a merchant using an electronic payment (PG) service; A second step of generating and issuing a special seller tag unique to the affiliated shop requesting issuance of the professional seller tag and providing a copy function; A third step of copying the professional seller tag issued by the affiliate store and exposing it to a web environment; And And a fourth step of providing a payment window including at least a product price input field and a payment method selection box when the professional seller tag is pressed through the purchaser device. The method of claim 15, A fifth step of, when the payment process is completed through the payment window, payment information is transmitted to the electronic payment system, and the electronic payment system receiving the payment information approves a transaction; A sixth step of receiving the payment information from the electronic payment system; The seventh seller seller tag issuing system receiving the payment information, the seventh step of notifying the fact that the transaction occurs, including the payment amount and the name of the payer to the merchant corresponding to the professional seller tag that the payment occurred; An eighth step of notifying the transaction occurrence of the affiliated store after confirming the transaction occurrence and delivering or delivering the corresponding product to the buyer; A ninth step of confirming the received goods by the buyer who received the goods and delivering a final intention to confirm the final purchase to the specialized seller issuing system; The specialized seller issuing system further comprises a tenth step of transmitting the transaction price to the account of the seller and transmitting the transaction payment information to the electronic payment system. Way. The method of claim 16, The final purchase decision intention of the ninth step is a method of providing a payment means using the specialized seller tag, characterized in that the final purchase confirmation button provided in the specialized seller tag is transmitted to the system. The method of claim 15, Method of providing a payment means using a professional seller tag, characterized in that the professional seller tag generated in the second step is provided at least one selected from the image form, HTML form and URL form.

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