KR20100135025A - Payment system and payment method for shopping purchase money using electronic money - Google Patents

Abstract

PURPOSE: A shopping purchase payment system and a shopping payment amount payment method performing the purchase and payment of the shopping product are provided to provide the payment request signal corresponding to a terminal device in the shopping service server or service providing server thereby processing the e-cash payment about the purchase money of the shopping list at the e-cash service center. CONSTITUTION: A shopping service server(100) provides a payment request signal according to the purchase price of a shopping product corresponding to a terminal(10). An electronic money service center(200) processes the payment of the purchase money corresponding to the terminal device. The electronic cash service center provides an electronic money subtraction signal corresponding to the purchase amount of money to the terminal device. The electronic cash service center provides a payment processing fact to the shopping service server.

Description

Payment system for shopping purchase amount using electronic money and payment method for shopping purchase amount {PAYMENT SYSTEM AND PAYMENT METHOD FOR SHOPPING PURCHASE MONEY USING ELECTRONIC MONEY}

The present invention relates to a shopping purchase amount payment system, and more particularly, shopping purchase amount using electronic money that can be purchased / paid using electronic money in the terminal device when purchasing a shopping article through a shopping service such as home shopping The present invention relates to a payment system, a shopping purchase amount payment method, an electronic money service center and an electronic money service center.

Electronic money is a virtual currency that has a constant currency value that is paid by the issuer and is provided by the issuer. It is relatively low risk of counterfeiting or tampering, safe in case of theft or loss, and convenient for making small payments. .

On the other hand, as the form of broadcasting is diversified day by day and the consumption culture is diversified, various home shopping services that can purchase a variety of goods at home through broadcast viewing have emerged.

Such a home shopping service, while a user watches home shopping through a media playback device such as a TV in an indoor space such as a home, when an item to be purchased is broadcasted, calls the home shopping ARS, and an item to be ordered according to the guide voice menu, By speaking information such as a credit card number, a receiving address, or key input, a purchase request and a payment for the corresponding item can be performed to complete an order. Therefore, after the delivery date, the corresponding goods are delivered to the receiving address, so that the user can receive the ordered goods.

By the way, the conventional home shopping service as described above, the user who wants to purchase a hassle to enter a credit card number and password for payment using the home shopping ARS, there is a concern about the security of credit information It is true. Therefore, in the present invention, in using a shopping service such as a home shopping service, it is proposed to solve a problem of a user having to input information for payment and a security concern about credit information.

The present invention has been made in view of the above circumstances, and an object of the present invention is to provide a shopping service received from the terminal device when a predetermined terminal device requests electronic money payment for a predetermined shopping product using electronic money. In response to a request for payment of electronic money for a product, a shopping service server provides a payment request signal corresponding to a purchase amount of the shopping product corresponding to a corresponding terminal device targeted for electronic money payment, and the payment request signal received from the shopping service server. The electronic money service center processes payment according to whether the electronic money payment of the purchase price corresponding to the corresponding terminal device subject to electronic money payment is possible, and provides an electronic money deduction signal corresponding to the purchase price to the terminal device. , The purchase price payment system and show that provides the payment processing facts to the shopping service server By providing a ping purchase amount payment method, it is possible to purchase / pay using electronic money in the terminal device when purchasing a shopping article through a shopping service such as home shopping.

The present invention has been made in view of the above circumstances, and another object of the present invention is to provide a terminal device for storing electronic money therein to request electronic money payment for a predetermined shopping product using the electronic money. When the predetermined designated payment number is sent, the service provider server receiving the designated payment number from the terminal device provides a payment request signal corresponding to the terminal device, and the electronic money service center receiving the payment request signal is provided. Accordingly, the purchase price information of the shopping product corresponding to the designated payment number is acquired by the corresponding shopping service server, and payment processing is performed according to whether the electronic money payment of the purchase amount corresponding to the terminal device is possible. The shopping service server provides an electronic money deduction signal corresponding to the purchase amount and checks the payment processing fact. By providing a purchase payment systems and offers shopping purchases payment method, according to which as purchasing goods through shopping shopping services such as home shopping to purchase / payment using electronic money within the terminal.

According to a first aspect of the present invention, there is provided a shopping purchase price payment system using electronic money, comprising: a terminal device for requesting electronic money payment for a predetermined shopping product using electronic money; A shopping service server providing a payment request signal according to a purchase price of the shopping goods corresponding to the terminal device targeted for electronic money according to the electronic money payment request for the shopping goods received from the terminal device; And payment processing according to whether or not the electronic money payment of the purchase price corresponding to the terminal device targeted for electronic money payment is possible according to the payment request signal received from the shopping service server, and corresponding to the purchase price in the terminal device. And an electronic money service center that provides an electronic money deduction signal and provides a payment processing fact to the shopping service server.

Terminal device according to a second aspect of the present invention for achieving the above object is an electronic money storage unit for storing electronic money; And requesting electronic money settlement for a predetermined shopping product using the electronic money, and receiving an electronic money deduction signal corresponding to a predetermined purchase amount in response to the electronic money payment request, accordingly the electronic money balance of the electronic money storage unit. A terminal control unit for subtracting; The electronic money settlement request may include at least one of terminal identification information of the terminal device, shopping product selection information for a selected shopping product according to a user input, receiving address information, and terminal identification information of the terminal device targeted for electronic money payment. It includes.

The shopping service server according to the third aspect of the present invention for achieving the above object comprises a shopping product information storage unit for storing shopping product information for at least one shopping product for sale; And receiving a payment request signal according to the purchase amount of the shopping goods corresponding to the terminal device targeted for electronic money according to the electronic money payment request when the electronic money payment request for the predetermined shopping goods is received from a predetermined terminal device. It includes a shopping service control unit provided to the electronic money service center.

Preferably, when the electronic money payment request is received, the shopping service control unit includes at least one of server information, purchase price information of the shopping product, and terminal identification information of the corresponding terminal device that is subject to electronic money payment. The payment request signal is provided to the electronic money service center, and when a payment processing fact is received from the electronic money service center in response to the payment request signal, the corresponding shopping goods requesting the electronic money payment according to the payment processing facts. The terminal device may be notified that the payment has been processed.

Electronic money service center according to the fourth aspect of the present invention for achieving the above object is a settlement / management unit for calculating / managing the balance information for the electronic money held by each terminal device; And when a payment request signal is received from an external shopping service server, the electronic money payment of a predetermined purchase amount according to the payment request signal is possible based on the balance information of the corresponding terminal device that is the target of electronic money payment according to the payment request signal. And a service providing unit for processing a payment, providing an electronic money deduction signal corresponding to the purchase amount to a corresponding terminal device subject to electronic money payment, and providing a corresponding payment processing fact to the shopping service server.

Preferably, the service provider, if the electronic money payment of a predetermined purchase amount according to the payment request signal is possible on the basis of the balance information of the terminal device that is the target of electronic money payment, request the electronic money payment approval to the terminal device When the approval confirmation is returned, the settlement / management unit performs payment processing corresponding to the purchase amount corresponding to the purchase amount, provides an electronic money deduction signal corresponding to the purchase amount to the terminal device, and stores the payment processing fact. Can be provided to the service server.

Preferably, the payment request signal may include at least one of server information of the shopping service server providing the payment request signal, purchase price information, and terminal identification information of a corresponding terminal device that is subject to electronic money payment. have.

The shopping purchase price payment system using the electronic money according to the fifth aspect of the present invention for achieving the above object is a shopping service for storing a designated payment number for the electronic money payment request corresponding to each of at least one shopping product for sale server; A terminal device for transmitting a predetermined designated payment number for requesting electronic money payment for a predetermined shopping product using electronic money stored therein; A service providing server providing a payment request signal corresponding to the terminal device when the designated payment number is transmitted from the terminal device; And acquiring the purchase price information of the shopping product corresponding to the designated payment number from the corresponding shopping service server according to the payment request signal received, according to whether the electronic money payment of the purchase price corresponding to the terminal device is possible. And an electronic money service center for providing payment processing, providing an electronic money deduction signal corresponding to the purchase amount to the terminal device, and providing a payment processing fact to the shopping service server.

Terminal device according to a sixth aspect of the present invention for achieving the above object is an electronic money storage unit for storing electronic money; And a predetermined designated payment number for requesting electronic money payment for a predetermined shopping product by using the electronic money, and when an electronic money reduction signal corresponding to a predetermined purchase amount is received corresponding to the specified designated payment number, A terminal control unit for subtracting the electronic money balance of the electronic money storage unit.

The shopping service server according to the seventh aspect of the present invention for achieving the above object comprises: a shopping product information storage unit for storing shopping product information on at least one shopping product for sale; And a designated payment number for requesting an electronic money payment corresponding to each of the at least one shopping product for sale, and when the purchase price information of the shopping product corresponding to the predetermined designated payment number is requested from the outside, the shopping product information storage unit On the basis of this includes a shopping service control unit for providing the purchase price information.

Service provision server according to an eighth aspect of the present invention for achieving the above object comprises a designated payment number storage unit for storing at least one predetermined payment number set for requesting electronic money payment; And when the at least one designated payment number is transmitted from a predetermined terminal device, providing a payment request signal corresponding to the designated payment number to an external electronic money service center in response to the terminal device. Include.

Electronic money service center according to the ninth aspect of the present invention for achieving the above object is a settlement / management unit for calculating / managing the balance information for the electronic money held for each terminal device; And when a payment request signal is received from an external service providing server, acquires purchase price information of a shopping product corresponding to a designated payment number according to the payment request signal from a corresponding external shopping service server, and according to the payment request signal. If the electronic money payment of the purchase price is possible based on the balance information of the terminal device, the payment is processed, an electronic money deduction signal corresponding to the purchase price is provided to the terminal device, and the payment processing fact is sent to the shopping service server. It includes a service provider to provide.

Preferably, the service provider, when the electronic money payment of the purchase price is possible on the basis of the balance information of the terminal device, if the approval request is returned by requesting the electronic money payment approval to the terminal device, the settlement / management unit The balance information may be processed according to the purchase amount, the electronic device may provide a deduction signal corresponding to the purchase amount to the terminal device, and provide the payment processing fact to the shopping service server.

Preferably, the payment request signal may include at least one of server information of the corresponding shopping service server according to the designated payment number and terminal identification information of the terminal device that is the target of electronic money payment.

According to a tenth aspect of the present invention, a shopping purchase price payment method using electronic money includes: requesting, by a predetermined terminal device, electronic money payment for a predetermined shopping product using electronic money; In response to the electronic money payment request for the shopping goods received from the terminal device, providing a payment request signal according to the purchase price of the shopping goods corresponding to the terminal device targeted for electronic money payment; In accordance with the payment request signal received from the shopping service server, the electronic money service center processing the payment according to whether the electronic money payment of the purchase price corresponding to the corresponding terminal device subject to electronic money payment; And providing, by the electronic money service center, an electronic money deduction signal corresponding to the purchase price to a corresponding terminal device, and providing a payment processing fact to the shopping service server.

Preferably, the step of providing the payment request signal, when the electronic money payment request for a predetermined shopping product selected from the terminal device, the shopping for storing the shopping product information for at least one shopping product for sale The service server may provide the electronic money service center with the payment request signal including at least one of server information, purchase price information of the shopping product, and terminal identification information of the corresponding terminal device that is subject to electronic money payment. .

Preferably, according to the payment processing facts received from the electronic money service center, the shopping service server may further include the step of notifying the terminal device that the payment for the corresponding shopping product requesting the electronic money payment has been processed. .

Preferably, the electronic money payment request from the terminal device, the terminal identification information of the terminal device, the shopping product selection information for the selected shopping product according to the user input, the receiving address information, the other terminal that is the target of electronic money payment It may include at least one of the terminal identification information of the device.

The payment method of the electronic money service center according to the eleventh aspect of the present invention for achieving the above object comprises the steps of: calculating / managing the balance information for the electronic money held for each terminal device; When the payment request signal is received from an external shopping service server, it is determined whether the electronic money payment of the predetermined purchase amount according to the payment request signal is possible based on the balance information of the corresponding terminal device that is the target of electronic money payment according to the payment request signal. Making; And if the electronic money payment is possible, processing the payment and providing an electronic money deduction signal corresponding to the purchase amount to a corresponding terminal device subject to electronic money payment, and providing a corresponding payment processing fact to the shopping service server. do.

Preferably, if electronic money payment is possible, further comprising the step of requesting the electronic money payment approval to the terminal device to determine whether the approval confirmation is returned; If the approval confirmation is returned, the corresponding balance information of the terminal device is settled in correspondence to the purchase amount, the electronic money deduction signal corresponding to the purchase amount is provided to the terminal device, and the payment processing fact is returned to the shopping service server. The above steps can be performed.

Preferably, the payment request signal may include at least one of server information of the shopping service server providing the payment request signal, purchase price information, and terminal identification information of a corresponding terminal device that is subject to electronic money payment. have.

According to a twelfth aspect of the present invention, there is provided a method for payment of a shopping purchase price using electronic money, wherein a predetermined terminal device storing electronic money therein uses electronic money to pay electronic money for a predetermined shopping product. Transmitting a predetermined designated payment number requested; Providing a payment request signal corresponding to the terminal device by the service providing server when the designated payment number is transmitted from the terminal device; Acquiring, by the electronic money service center, the purchase price information of the shopping product corresponding to the designated payment number from the corresponding shopping service server according to the received payment request signal; Payment processing by the electronic money service center according to whether the electronic money payment of the purchase price corresponding to the terminal device is possible; And providing, by the electronic money service center, an electronic money deduction signal corresponding to the purchase price to the terminal device, and providing a payment processing fact to the shopping service server.

Preferably, according to the payment processing facts received from the electronic money service center, the shopping service server may further include the step of notifying the terminal device that the payment for the corresponding shopping product requesting the electronic money payment has been processed. .

The payment method of the electronic money service center according to the thirteenth aspect of the present invention for achieving the above object comprises the steps of: calculating / managing the balance information for the electronic money held for each terminal device; When a payment request signal is received from an external service providing server, acquiring purchase price information of a shopping product corresponding to a designated payment number according to the payment request signal from a corresponding external shopping service server; Determining whether payment of the purchase amount of electronic money is possible based on balance information of the corresponding terminal device according to the payment request signal; And if the electronic money settlement is possible, processing the payment, providing an electronic money deduction signal corresponding to the purchase amount to the terminal device, and providing a payment processing fact to the shopping service server.

Preferably, if electronic money payment is possible, further comprising the step of requesting the electronic money payment approval to the terminal device to determine whether the approval confirmation is returned; If the approval confirmation is returned, the corresponding balance information of the terminal device is settled in correspondence to the purchase amount, the electronic money deduction signal corresponding to the purchase amount is provided to the terminal device, and the payment processing fact is returned to the shopping service server. The above steps can be performed.

Preferably, the payment request signal may include at least one of server information of a corresponding shopping service server according to the designated payment number and terminal identification information of the terminal device targeted for electronic money payment.

Accordingly, according to the purchase price payment system and the shopping purchase price payment method using the electronic money of the present invention, the terminal device that wants to purchase a shopping article through the shopping service requests the electronic money payment to the shopping service server or the electronic money payment is made. As the designated payment number is sent to the service providing server, the corresponding shopping service server or the service providing server provides a payment request signal corresponding to the terminal device to the electronic money service center so that the electronic money service center can By processing the electronic money payment, it is possible to simply purchase / pay using electronic money in the terminal device when purchasing shopping goods through a shopping service.

Therefore, according to the purchase price payment system and the shopping purchase price payment method using the electronic money of the present invention, when purchasing a shopping article through the shopping service can be easily purchased / paid using the electronic money in the terminal device, shopping services In order to solve the inconvenience of the user having to enter the information (e.g. credit card number and password) for payment can increase the user's convenience, the information for payment (e.g. credit card number and password, etc.) ) It can solve the problem of security of credit information by input.

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

1 illustrates a shopping purchase amount payment system using electronic money according to a first embodiment of the present invention.

As shown in FIG. 1, the shopping purchase price payment system according to the present invention includes a terminal device 10 for requesting electronic money payment for a predetermined shopping product using electronic money, and received from the terminal device 10. In response to the request for electronic money payment for the shopping goods, a shopping service server 100 for providing a payment request signal according to the purchase price of the shopping goods corresponding to the corresponding terminal device for electronic money payment, and the shopping service server 100. According to the payment request signal received from the payment, the payment processing according to whether or not the electronic money payment of the purchase price corresponding to the terminal device that is subject to electronic money payment processing, and the electronic money reduction signal corresponding to the purchase price to the terminal device; It provides an electronic money service center 200 for providing the payment processing facts to the shopping service server (100).

The network 1 is an interworking network supporting each of the terminal apparatus 10, the shopping service server 100, and the electronic money service center 200 to communicate with each other, and includes a wired / wireless LAN network, a wired / wireless internet network, It may include various communication networks such as a portable Internet network (eg, WiBro network), a mobile communication network, and a wired communication network.

Here, the terminal device 10 may have any form as long as it can request electronic money payment for a predetermined shopping product from the shopping service server 100 through the network 1.

That is, the terminal device 10 requests an electronic money storage unit for storing electronic money and an electronic money payment for a predetermined shopping product using the electronic money, and corresponds to a predetermined purchase amount in response to the electronic money payment request. The electronic money reduction signal may include a terminal control unit for subtracting the electronic money balance from the electronic money storage unit accordingly.

The terminal device 10 may be equipped with an electronic money card 15 for storing electronic money, preferably in the form of a mobile terminal that supports mobile communication. In this case, the electronic money card 15 will correspond to the electronic money storage. Of course, the terminal device 10 may be in the form of a mobile terminal that is not equipped with an electronic money card 15 for storing electronic money.

Herein, the electronic money card 15 may be a user identification card such as a subscriber identification module (SIM) card and a universal subscriber identification module (USIM) in the form of a smart card.

Accordingly, the terminal control unit of the terminal device 10 may access the shopping service server 100 through the network 1, select a purchase for a shopping product to be purchased, and request electronic money settlement for the shopping product. have. Here, the electronic money settlement request provided by the terminal device 10 to the shopping service server 100 may include terminal identification information of the terminal device 10, shopping product selection information on the selected shopping product according to a user's input, and a destination. It may include at least one of the address information, the terminal identification information of the terminal device (terminal device 10 or another terminal device) that is the target of electronic money payment.

For example, when the shopping service server 100 is a home shopping service server providing a home shopping service, a user of the terminal device 10 watches a home shopping video broadcast through the terminal device 10 or another media player, and shopping. The ARS of the service server 100 can be called to select a shopping product to be purchased according to the guide, and to request electronic money for the shopping product. At this time, the user of the terminal device 10 according to the guidance provided by the ARS of the shopping service server 100, the shopping device selection information, the receiving address information on the shopping product to be purchased, the terminal device (terminal device) (10) or by inputting the terminal identification information of the other terminal device by voice or key operation, the terminal device 10 can request the electronic service payment for the shopping product to the shopping service server 100.

Of course, the terminal device 10 may be connected to the shopping service server 100 through a variety of communication methods other than ARS to request the shopping service server 100 electronic money payment for the shopping product.

Here, the terminal identification information of the terminal device (terminal device 10 or another terminal device) that is the target of electronic money payment is specific information indicating a corresponding terminal device that is the target of electronic money payment according to this electronic money payment request. It may be monetary card information. Thus, if the current electronic money payment request requested by the terminal device 10 is to be paid through the electronic money card 15 of the terminal device 10, the user of the terminal device 10 is connected to the terminal device 10. When the terminal identification information is to be input and the electronic money card 15 is not mounted or is mounted on the terminal device 10, but the user wants to pay through the electronic money card of another terminal device instead of the electronic money card 15 of the terminal device 10. If so, the user of the terminal device 10 will input terminal identification information of another terminal device.

Hereinafter, for convenience of description, referring to the case where the terminal device 10 intends to pay through its own electronic money card 15, the user of the terminal device 10 transmits the telephone number of the terminal device 10 to the electronic device. It will be described as inputted as terminal identification information of a terminal device that is subject to currency settlement.

The shopping service server 100 stores shopping product information on at least one shopping product for sale, and receives the electronic money payment request for the shopping product from the terminal device 10.

The shopping service server 100 will be described in more detail with reference to FIG. 2.

The shopping service server 100 may include a shopping product information storage unit 110 for storing shopping product information on at least one shopping product for sale, and a predetermined shopping product selected from a predetermined terminal device (for example, the terminal device 10). When the electronic money payment request is received for the electronic money payment request, an external electronic money service center 200 generates a payment request signal according to the purchase amount of the shopping product corresponding to the corresponding terminal device 10 that is the target of electronic money payment. It includes a shopping service control unit 120 to provide.

The shopping service server 100 may be a home shopping service server that provides a home shopping service. Accordingly, the shopping service server 100 may be provided with an ARS function for broadcasting a home shopping video selling shopping products and guiding the purchase and payment accordingly.

Therefore, as the terminal device 10 of the user who wants to see the home shopping video of the shopping service server 100 calls the ARS, the purchase is input according to the guidance provided by the ARS function of the shopping service control unit 120. Electronic money including shopping product selection information on a shopping product, address of destination address, terminal identification information of a terminal device (terminal device 10 or another terminal device) and terminal identification information of the terminal device 10 that are subject to electronic money settlement. The shopping service control unit 120 of the shopping service server 100 may receive the payment request.

When the shopping service control unit 120 receives the electronic money payment request for the shopping product from the terminal device 10, the shopping service control unit 120 determines that the shopping product corresponding to the corresponding terminal device 10 that is the electronic money payment target based on the electronic money payment request. The payment request signal according to the purchase amount is provided to the electronic money service center 200. Here, the payment request signal is the own server information indicating the shopping service server 100, the purchase price information of the shopping product and the terminal identification information of the corresponding terminal device that is the target of electronic money payment (the terminal device 10 according to the above-described example). It will be at least one of).

The shopping service control unit 120 provides the payment request signal to the electronic money service center 200 and receives a payment processing fact in response thereto. The terminal device 10 requests the electronic money payment according to the payment processing fact. To indicate that the payment has been processed for the shopping product. In this case, the shopping service control unit 120 may provide an SMS or MMS indicating that the payment has been processed to the terminal device 10, or if the terminal device 10 is still connected / calling to the ARS function, the payment has been processed. You may be notified by voice guidance. Accordingly, the user of the terminal device 10 may recognize that the electronic money payment for the shopping product he requested for electronic money payment was normally processed.

In addition, the shopping service server 100 may process the delivery of the corresponding shopping product according to the payment address information included in the electronic money payment request. Thus, the user of the terminal device 10 will be able to receive the shopping product within a few days from the receiving address address entered when the electronic money payment request.

When the payment request signal is received from the shopping service server 100, the electronic money service center 200 makes a payment according to whether the electronic money payment of the purchase price corresponding to the corresponding terminal device that is the target of electronic money payment is possible based on the payment request signal. The electronic device may provide the electronic money reduction signal corresponding to the purchase price to the corresponding terminal device, and provide the payment processing fact to the shopping service server 100.

A detailed configuration of the electronic money service center 200 will be described with reference to FIG. 3.

3, the electronic money service center 200 according to the first embodiment of the present invention, the settlement / management unit 210 for calculating / managing the balance information for the electronic money held for each terminal device And, when a payment request signal is received from the external shopping service server 100, the electronic money of a predetermined purchase amount according to the payment request signal based on the balance information of the terminal device that is the target of electronic money payment according to the payment request signal. When the payment is possible, the service providing unit which processes the payment, provides the electronic money deduction signal corresponding to the purchase amount to the corresponding terminal device subject to electronic money payment, and provides the corresponding payment processing fact to the shopping service server 100. 220.

The settlement / management unit 210 stores balance information on electronic money held by the corresponding terminal device in correspondence to each of the entire terminal devices managed by the electronic money service center 200, and controls the service provider 220. The electronic money balance information of the predetermined terminal device is increased or subtracted according to the settlement / management.

When the payment request signal is received from the external shopping service server 100, the service provider 220 determines the balance information of the corresponding terminal device 10 that is the target of electronic money payment according to the payment request signal.

That is, the service provider 220 may include its own server information indicating the shopping service server 100, purchase price information of the shopping product, and terminal identification information of the corresponding terminal device that is the target of electronic money payment (the terminal according to the above example). The electronic money balance information corresponding to the terminal device 10 that is the target of electronic money payment on the settlement / management unit 210 based on the payment request signal, which includes the phone number of the device 10). The balance information of (10) can be grasped.

Here, when the terminal device 10 makes an offline payment using the electronic money of the electronic money card 15, the balance information remaining on the electronic money card 15 of the terminal device 10 is settled / managed by 210. The balance information of the corresponding terminal device 10 may not match in real time.

Therefore, the service provider 220 preferably checks the balance information of the terminal device 10, the service provider 220, when the payment request signal is received from the shopping service server 100, the shopping service server It includes the server information indicating the 100 and the purchase price information of the shopping product and the terminal identification information of the corresponding terminal device (which will be the telephone number of the terminal device 10 according to the above-described example) that is the target of electronic money payment. On the basis of the payment request signal, a balance confirmation request for confirming the actual balance information of the electronic money held in the terminal device 10, which is the target of electronic money payment, is provided to the terminal device 10 and the balance information accordingly is provided. It is desirable to grasp the reply from 10). Here, the balance check request provided by the service provider 220 may be provided to the terminal device 10 through the shopping service server 100, and the balance information may also be returned through the shopping service server 100.

Alternatively, if the balance information retained in the terminal device 10 is included in the electronic money payment request provided by the terminal device 10, the service provider 220 according to the payment request signal received from the shopping service server 100 accordingly. The balance information of the terminal device 10 may be determined by extracting / recognizing the remaining balance information.

Accordingly, the service provider 220 determines whether the electronic money payment of the purchase price is possible by determining whether the electronic money balance corresponding to the terminal device 10 is greater than or equal to the purchase price according to the current payment request signal.

As a result, when the electronic money settlement is possible, the service provider 220 may request the electronic money settlement approval from the terminal device 10 that is the target of electronic money settlement. That is, the service provider 220 requests the electronic money settlement approval by providing the electronic money settlement approval message indicating the paid purchase amount and the shopping product and asking whether to approve the electronic money settlement. Can be.

Therefore, when an approval confirmation for approving the payment is returned in response to the electronic money payment approval request, the service provider 220 processes the payment according to the current payment request signal and the purchase amount to the terminal device 10 that is the target of electronic money payment. It provides a corresponding electronic money deduction signal. That is, the service provider 220, the settlement / management unit 210 in accordance with the current payment request signal to subtract the electronic money balance information corresponding to the terminal device 10 of the electronic money payment corresponding to the purchase price. The payment is processed by providing the real money of the amount corresponding to the terminal device 10 to the shopping service server 100, and the electronic money deduction signal corresponding to the purchase amount is provided to the terminal device 10 that is subject to the electronic money payment. Can be. In this case, the service provider 220 may provide the electronic money reduction signal directly to the terminal device 10 through the network 1, or the electronic money reduction signal through the communication company server (not shown). ) Can be provided.

Accordingly, the electronic money corresponding to the purchase price will be deducted from the electronic money card 15 of the terminal device 10 receiving the electronic money deduction signal.

On the other hand, the service provider 220 may provide an electronic money reduction signal corresponding to the purchase amount to the terminal device 10 that is the target of electronic money payment, and then provide the corresponding payment processing fact to the shopping service server 100. have. That is, the service provider 220 may provide the shopping service server 100 with a payment processing fact indicating that the electronic money payment corresponding to the current payment request signal received from the shopping service server 100 was normally processed.

Thus, as described above, the shopping service server 100 that has received the payment processing fact may inform the terminal device 10 that has requested the electronic payment this time that the payment for the shopping product has been processed.

As described above, according to the shopping purchase price payment system according to the first embodiment of the present invention, when the terminal device 10 that wants to purchase a shopping product requests electronic money payment from the shopping service server 100, The shopping service server 100 provides the payment request signal corresponding to the corresponding terminal device (eg, the terminal device 10) that is the target of electronic money payment to the electronic money service center 200, and the corresponding terminal device (ie, the electronic money payment target). The electronic money payment corresponding to the purchase amount between the terminal device 10 and the electronic money service center 200 is processed, so that the purchase / payment can be made easily using electronic money in the terminal device when purchasing shopping goods through a shopping service. can do.

Therefore, according to the shopping purchase price payment system according to the first embodiment of the present invention, when purchasing a shopping article through a shopping service, it is possible to simply purchase / pay using electronic money in the terminal device. This can increase the user's convenience by eliminating the need to enter information (e.g., credit card number and password) for payment, and enter information for payment (e.g., credit card number and password). This can solve the problem of security for credit information.

On the other hand, with reference to Figure 4 will be described in the shopping purchase price payment system according to a second embodiment of the present invention.

As shown in FIG. 4, the shopping purchase price payment system according to the second embodiment of the present invention includes a shopping service server that stores a designated payment number for an electronic money payment request corresponding to each of at least one shopping product for sale. 300, a terminal device 10 for transmitting a predetermined designated payment number for requesting electronic money payment for a predetermined shopping product using electronic money stored therein, and the designated payment number from the terminal device 10; Is sent to the service providing server 400 for providing a payment request signal corresponding to the terminal device 10, and according to the payment request signal received, from the corresponding shopping service server 300 to the designated payment number; Acquisition of the purchase price information of the corresponding shopping product, payment processing according to whether the electronic money payment of the purchase amount corresponding to the terminal device 10 is possible, and the purchase price to the terminal device 10 Provide an electronic money subtraction signal corresponding to and includes the electronic money service center 500 to provide a payment process in fact a shopping service server 300.

The network 1 is an interworking network for supporting the terminal device 10, the shopping service server 300, the service providing server 400, and the electronic money service center 500 so as to communicate with each other. It may include a variety of communication networks, such as a wired / wireless internet network, a portable internet network (eg, WiBro network), a mobile communication network, a wired communication network, and the like.

Here, the terminal device 10 may be in any form as long as it can send a predetermined designated payment number to the service providing server 400 through the network 1. The terminal device 10 includes an electronic money storage unit for storing electronic money; And a predetermined designated payment number for requesting electronic money payment for a predetermined shopping product using the electronic money, and when an electronic money deduction signal corresponding to a predetermined purchase amount is received in response to the specified designated payment number, It may include a terminal control unit for subtracting the electronic money balance of the electronic money storage.

The terminal device 10 is equipped with an electronic money card (15) for storing electronic money, it is preferable that the mobile terminal type to support mobile communication. In this case, the electronic money card 15 will correspond to the electronic money storage. Herein, the electronic money card 15 may be a user identification card such as a subscriber identification module (SIM) card and a universal subscriber identification module (USIM) in the form of a smart card.

For example, when the shopping service server 300 is a home shopping service server providing a home shopping service, a user of the terminal device 10 is broadcasted on a home shopping image broadcast through the terminal device 10 or another media player. You can check the designated payment number of the shopping product in use or the designated payment number of the specific shopping product through a pre-distributed flyer. Accordingly, the user of the terminal device 10 confirms the designated payment number corresponding to the shopping product to be purchased in the home shopping video or advertisement bill and attempts to make a call by inputting the corresponding designated payment number to the terminal of the terminal device 10. The controller may send the designated payment number.

Here, the designated payment number is a special number that is set in advance by the shopping service server 300 corresponding to each shopping product sold by the customer, and server information of the corresponding shopping service server (eg, the shopping service server 300) and shopping. It is preferable to indicate product selection information.

The service providing server 400 provides a payment request signal corresponding to the terminal device 10 to the electronic money service center 500 when a designated payment number is transmitted from the terminal device 10 through the network 1. Such a service providing server 400 is preferably a communication company server.

Hereinafter, a detailed configuration of the service providing server 400 will be described with reference to FIG. 5.

The service providing server 400 may include a designated payment number storage unit 410 for storing at least one designated payment number set for requesting electronic money settlement, and the at least one designated payment number from a predetermined terminal device 10. Is transmitted, the service control unit 420 for providing a payment request signal corresponding to the designated payment number to the external electronic money service center 500 corresponding to the terminal device (10).

The designated payment number storage unit 410 stores at least one designated payment number preset for requesting electronic money payment in response to the at least one shopping service server.

The shopping service control unit 420 recognizes a WAP page connection for requesting an electronic money payment request corresponding to the designated payment number when the predetermined call number is sent from the terminal device 10. The electronic money service center 500 according to the designated payment number may provide a payment request signal corresponding to the corresponding terminal device 10.

Here, the payment request signal, the server information of the corresponding shopping service server (eg, shopping service server 300) according to the designated payment number from the terminal device 10, shopping product selection information, terminal identification of the terminal device 10 It may include at least one of the information.

The shopping service server 300 stores shopping product information on at least one shopping product for sale, and stores a designated payment number for an electronic money request corresponding to each of the at least one shopping product for sale. Thus, the shopping service server 300 may display a designated payment number corresponding to the shopping product being displayed on the shopping service screen provided by the shopping service server 300.

Hereinafter, a detailed configuration of the shopping service server 300 will be described with reference to FIG. 6.

The shopping service server 300 may include a shopping product information storage unit 310 for storing shopping product information on at least one shopping product for sale, and an electronic money payment corresponding to each of the at least one shopping product for sale. The shopping service control unit 320 stores the designated payment number for the request and provides the purchase price information based on the shopping product information storage unit 210 when the purchase price information of the shopping product corresponding to the predetermined designated payment number is requested from the outside. ).

For example, when the shopping service server 300 is a home shopping service server that provides a home shopping service, the home shopping image broadcasts a home shopping video for selling shopping products and a designated payment number of the shopping product being broadcast displayed on the home shopping video that is broadcast. It can be displayed together in one area. Here, as described above, the designated payment number of each shopping product is a special number that is set in advance by the shopping service server 300 corresponding to each shopping product that is sold by the shopping service server (for example, a shopping service server). Server 300 and shopping product selection information are preferred.

When the purchase price information of a predetermined shopping product is requested from the electronic money service center 500, the shopping service control unit 320 may provide the purchase price information of the shopping product to the electronic money service center 500. For example, when a predetermined designated payment number is received from the electronic money service center 500, the purchase price information of the shopping product corresponding to the designated payment number may be provided to the electronic money service center 500.

In addition, the shopping service controller 320 provides the purchase price information of the predetermined shopping product to the electronic money service center 500, and when the payment processing fact is received in response thereto, the shopping service control unit 320 returns to the corresponding terminal device 10 according to the payment processing fact. Informs that payment for the shopping product has been processed. In this case, the shopping service control unit 320 may provide the terminal 10 with an SMS or MMS indicating that the payment has been processed. Accordingly, the user of the terminal device 10 may recognize that the electronic money payment for the shopping product requested for purchase is normally processed as the user sends the designated payment number.

In addition, the shopping service server 300 may process the delivery of the shopping product, which has been processed according to the corresponding receiving address information of the user. Thus, the user of the terminal device 10 will be able to receive the shopping product within a few days from the receiving address address entered when the electronic money payment request.

Here, the method for the shopping service server 300 to recognize the receiving address information corresponding to the user of the terminal device 10, the electronic money service center 500 from the shopping subscriber information previously stored in the shopping service server 300 It is preferable to recognize by finding the receiving address information corresponding to the terminal identification number of the terminal device 10 included in the payment processing fact received from the.

The electronic money service center 500 obtains the purchase price information of the shopping product corresponding to the designated payment number from the corresponding shopping service server 300 according to the payment request signal received from the service providing server 400. The payment processing corresponding to the purchase price corresponding to the purchase amount corresponding to the purchase price corresponding to the device 10 is provided, the electronic money reduction signal corresponding to the purchase amount is provided to the terminal device 10, and the payment processing fact is returned to the shopping service server 300. To provide.

A detailed configuration of the electronic money service center 500 will be described with reference to FIG. 7.

As shown in Figure 4, the electronic money service center 500 according to the third embodiment of the present invention, the settlement / management unit 510 for calculating / managing the balance information for the electronic money held for each terminal device And, when a payment request signal is received from the service providing server 400, the purchase price information of the shopping goods corresponding to the designated payment number according to the payment request signal from the corresponding external shopping service server 300 is obtained, and If the electronic money payment of the purchase price is possible based on the balance information of the corresponding terminal device (eg, the terminal device 10) according to the payment request signal, the payment is processed and the terminal device 10 corresponds to the purchase price. And a service provider 520 for providing the electronic money deduction signal and providing the payment processing fact to the shopping service server 300.

The settlement / management unit 510 stores balance information on electronic money held by the corresponding terminal device in correspondence to each of the entire terminal devices managed by the electronic money service center 500, and controls the service provider 520. The electronic money balance information of the predetermined terminal device is increased or subtracted according to the settlement and management.

When the service request unit 520 receives a payment request signal from an external service providing server 400, the service provider 520 designates a payment number corresponding to the payment request signal from an external shopping service server 300 according to the payment request signal. Obtaining purchase price information of a shopping product corresponding to the present invention. That is, the service provider 520 may store the corresponding shopping product on the corresponding shopping service server 300 based on the server information and the shopping product selection information of the shopping service server (eg, the shopping service server 300) included in the payment request signal. It can be obtained by requesting the purchase price information of. In this case, the service provider 520 may transmit / receive the payment request signal from the service providing server 400 to the shopping service server 300 to request / acquire the purchase price information of the corresponding purchased product.

Accordingly, the service provider 520 acquiring the purchase price information according to the payment request signal is based on the balance information of the corresponding terminal device (eg, the terminal device 10) according to the payment request signal. Determine whether payment is possible.

That is, the service providing unit 520 may balance the electronic money corresponding to the terminal device 10, which is the target of electronic money payment, based on the terminal identification information of the terminal device (eg, the terminal device 10) included in the payment request signal. Understand the information.

For example, the service provider 520 may settle the electronic money balance information corresponding to the terminal device 10 based on the terminal identification information of the terminal device (eg, the terminal device 10) included in the payment request signal. Inquiry by the / management unit 510 can determine the balance information of the terminal device (10).

Here, when the terminal device 10 makes an offline payment using the electronic money of the electronic money card 15, the balance information remaining on the electronic money card 15 of the terminal device 10 is settled / managed by the payment unit 510. The balance information of the corresponding terminal device 10 may not match in real time.

Therefore, preferably, when the service provider 520 grasps the balance information of the corresponding terminal device 10, the service provider 520, which has acquired the purchase price information according to the payment request signal, is included in the payment request signal. The terminal 10 checks the balance check request for checking the actual balance information of the electronic money held in the terminal device 10, which is the target of electronic money payment, in the terminal identification information of the terminal device (eg, the terminal device 10). It is preferable to provide the remaining balance information by receiving a reply from the terminal device 10. Here, the balance check request provided by the service provider 520 may be provided to the terminal device 10 through the service provider server 400, and the balance information may be returned through the service provider server 400.

Accordingly, the service provider 520 determines whether the electronic money payment of the purchase price is possible by determining whether the electronic money balance corresponding to the terminal device 10 is equal to or greater than the purchase price according to the current payment request signal.

As a result, when the electronic money settlement is possible, the service provider 520 may request the electronic money settlement approval from the terminal device 10 that is the target of electronic money settlement. That is, the service provider 520 requests the electronic money settlement approval by providing the electronic money settlement approval message indicating the paid purchase amount and the shopping product and asking whether to approve the electronic money settlement. Can be.

Accordingly, when an approval confirmation for approving the payment is returned according to the electronic money payment approval request, the service provider 520 processes the payment according to the current payment request signal, and the purchase price to the terminal device 10 that is the target of electronic money payment. It provides a corresponding electronic money deduction signal.

That is, the service provider 520, the settlement / management unit 510 in accordance with the current payment request signal to subtract the electronic money balance information corresponding to the terminal device 10 of the electronic money payment corresponding to the purchase price and the terminal The payment process is provided by providing the real money of the amount corresponding to the device 10 to the shopping service server 300, and the electronic money difference monitoring call corresponding to the purchase amount is provided to the terminal device 10 that is the target of the electronic money payment. Can be. In this case, the service provider 520 may directly provide the electronic money deduction signal to the terminal device 10 through the network 1, or provide the electronic money deduction signal through the service providing server 400 to the terminal device 10. ) Can be provided.

Accordingly, the electronic money corresponding to the purchase price will be deducted from the electronic money card 15 of the terminal device 10 receiving the electronic money deduction signal.

On the other hand, the service provider 520 may provide an electronic money reduction signal corresponding to the purchase amount to the terminal device 10 that is the target of electronic money payment, and then provide the corresponding payment processing fact to the shopping service server 300. have. That is, the service provider 520 may provide the shopping service server 300 with a payment processing fact indicating that the electronic money payment corresponding to the current payment request signal has been normally processed. Here, the payment processing fact may include the terminal identification number of the terminal device 10 to be the payment target.

Thus, as described above, the shopping service server 300 that has received the payment processing facts may inform the terminal device 10 that has requested the electronic payment this time that the payment for the shopping product has been processed.

As described above, according to the shopping purchase price payment system according to the second embodiment of the present invention, if the terminal device 10 that wants to purchase a shopping product sends a designated payment number for electronic money payment, the service providing server The 400 provides a payment request signal corresponding to the terminal device 10 that is the target of electronic money payment to the electronic money service center 500, through interworking between the electronic money service center 500 and the corresponding shopping service server 300. As the electronic money settlement between the electronic money service center 500 and the terminal device 10 is processed, it is possible to easily purchase / pay using electronic money in the terminal device when purchasing shopping goods through a shopping service.

Accordingly, according to the shopping purchase price payment system according to the second embodiment of the present invention, when purchasing shopping goods through a shopping service, it is possible to simply purchase / pay using electronic money in the terminal device. This can increase the user's convenience by eliminating the need to enter information (e.g., credit card number and password) for payment, and enter information for payment (e.g., credit card number and password). This can solve the problem of security for credit information.

Hereinafter, the control flow of the shopping purchase amount payment method using the electronic money according to the first embodiment of the present invention configured as described above will be described with reference to FIGS. 8 and 9. Here, for the convenience of description, the configuration shown in FIGS. 1 to 3 described above will be described with reference to the corresponding reference numerals.

First, the shopping purchase price payment method of the present invention will be described with reference to FIG.

In the shopping purchase payment method of the present invention, the terminal device 10 accesses the shopping service server 100 through various methods (for example, ARS call), selects a purchase for a shopping product to be purchased, and selects the corresponding shopping product. Request the electronic money for the shopping service server 100 (S10).

Here, the electronic money payment request provided by the terminal device 10 to the shopping service server 100 may include terminal identification information of the terminal device 10, shopping product selection information on a selected shopping product according to a user input, and a destination. It may include at least one of the address information, the terminal identification information of the terminal device (terminal device 10 or another terminal device) that is the target of electronic money payment.

The shopping service server 100 receiving the electronic money payment request for the shopping goods from the terminal device 10, the terminal device (terminal device 10 or another terminal device) that is the target of electronic money payment based on the electronic money payment request. Provides a payment request signal according to the purchase amount of the shopping goods corresponding to the electronic money service center 200 (S20).

Here, the payment request signal is the own server information indicating the shopping service server 100, the purchase price information of the shopping product and the terminal identification information of the corresponding terminal device that is the target of electronic money payment (the terminal device 10 according to the above-described example). It will be at least one of).

When the payment request signal is received from the shopping service server 100, the electronic money service center 200 corresponds to the corresponding terminal device (eg, the terminal device 10) that is the target of electronic money payment based on the payment request signal. It is determined whether the electronic money payment is possible (S30). Here, a preferred example of step S30, the electronic money service center 200, the terminal device 10 that is the target of electronic money payment based on the terminal identification information of the payment request signal received from the shopping service server 100 Provides a balance check request to the terminal device 10 to check the actual balance information of the electronic money held in the terminal device 10 (S32), and receives the corresponding balance information from the terminal device 10 (S33) to grasp the remaining balance information. By comparing with the purchase price, it is possible to determine whether the electronic money settlement is possible (S36).

Accordingly, if it is determined that the electronic money settlement is possible, the electronic money service center 200 may request the approval of the electronic money settlement from the corresponding terminal device (eg, the terminal device 10) that is the payment target (S40). That is, the electronic money service center 200 indicates the purchased purchase amount and the corresponding shopping product, and a corresponding electronic device payment target message (eg, the terminal device 10) that is the electronic money payment approval message asking whether to approve the electronic money payment. ), You can request approval of electronic money.

Accordingly, when an approval confirmation for approving the payment is returned according to the electronic money approval request (S45), the electronic money service center 200 processes the payment accordingly (S53), and the corresponding terminal device (for example, the terminal device ( 10)) provides the electronic money reduction signal corresponding to the purchase amount (S60) and provides the payment processing fact to the shopping service server 100 (S70). Of course, the process of requesting / replying the electronic money payment approval may be omitted.

Accordingly, the terminal device 10 receiving the electronic money deduction signal from the electronic money service center 200 will deduct the electronic money corresponding to the purchase price according to the electronic money deduction signal from the electronic money therein (S65).

Meanwhile, the shopping service server 100 receiving the payment processing fact from the electronic money service center 200 may notify the terminal device 10 that has requested the electronic money payment for the payment of the corresponding shopping product. S75). In this case, the shopping service server 100 may provide the terminal 10 with an SMS or MMS indicating that the payment has been processed, or if the terminal 10 is still accessing / calling the ARS function, the payment has been processed. You may be notified by voice guidance. Accordingly, the user of the terminal device 10 may recognize that the electronic money payment for the shopping product he requested for electronic money payment was normally processed.

In addition, the shopping service server 100 may process the delivery of the corresponding shopping product according to the payment address information included in the electronic money payment request (S80). Thus, the user of the terminal device 10 will be able to receive the shopping product within a few days from the receiving address address entered when the electronic money payment request.

Hereinafter, referring to FIG. 9, the payment method of the electronic money service center 200 according to the first embodiment will be described in more detail.

Basically, the payment method of the electronic money service center 200 according to the present invention corresponds to each of the entire terminal devices managed by the electronic money service center 200, that is, the balance information on the electronic money held by the corresponding terminal device. The electronic money balance information for each terminal is stored, and the electronic money balance information of the predetermined terminal device is increased or subtracted to settle / manage (S100).

The payment method of the electronic money service center 200 of the present invention determines whether a payment request signal is received from an external shopping service server 100 (S110), and when a payment request signal is received, according to the payment request signal. The balance information of the corresponding terminal device to be settled is determined (S120).

For example, in the payment method of the electronic money service center 200 of the present invention, a terminal identification of a corresponding terminal device which is a target of electronic server payment, information on the purchase price of the shopping goods and its server information indicating the shopping service server 100, and the like. Each of the electronic money balance information corresponding to the terminal device 10, which is the target of electronic money payment, is stored based on the payment request signal including the information (which will be the telephone number of the terminal device 10 according to the above-described example). The balance information of the terminal device 10 may be determined by inquiring from the balance information for each terminal.

Here, when the terminal device 10 makes an offline payment using the electronic money of the electronic money card 15, the balance information remaining on the electronic money card 15 of the terminal device 10 is stored in the electronic money service center 200. FIG. ) May not match in real time with the balance information of the corresponding terminal device of the balance information for each terminal managed in the).

Therefore, the payment method of the electronic money service center 200 of the present invention preferably determines the balance information of the terminal device 10, and the payment method of the electronic money service center 200 of the present invention is a shopping service server. When the payment request signal is received from the terminal 100, the server information indicating the shopping service server 100, the purchase price information of the shopping product, and the terminal identification information of the corresponding terminal device that is the target of electronic money payment (in accordance with the example of the foregoing description). The balance check request for confirming the actual balance information of the electronic money held in the terminal device 10, which is the target of electronic money payment, based on the payment request signal including the terminal number 10 of the terminal device 10). It is preferable that the remaining balance information is provided to (10) and received from the terminal device 10 to be returned. Here, the balance check request provided by the electronic money service center 200 may be provided to the terminal device 10 through the shopping service server 100, and the balance information may also be returned through the shopping service server 100. .

Alternatively, if the balance information held in the terminal device 10 is included in the electronic money payment request provided by the terminal device 10, the payment method of the electronic money service center 200 of the present invention is accordingly the shopping service server 100. The balance information of the terminal device 10 may be determined by extracting / recognizing the balance information included in the payment request signal received from the terminal device 10.

Accordingly, the payment method of the electronic money service center 200 of the present invention determines whether the electronic money balance corresponding to the terminal device 10 is greater than or equal to the purchase price according to the current payment request signal, thereby making payment of the electronic money of the purchase price. It is determined whether is possible (S130).

As a result of the determination, when the electronic money payment is possible, the payment method of the electronic money service center 200 of the present invention processes the payment according to the current payment request signal and corresponds to the purchase amount to the terminal device 10 subject to electronic money payment. It provides an electronic money reduction signal. That is, in the payment method of the electronic money service center 200 of the present invention, the electronic money balance information corresponding to the terminal device 10 that is the target of electronic money payment in the balance information for each terminal according to the current payment request signal is added to the purchase price. The payment is processed by providing the actual money corresponding to the amount corresponding to the terminal device 10 to the shopping service server 100 (S140), and the electronic money deduction signal corresponding to the purchase amount is the target of the electronic money payment. It may be provided to the terminal device 10 (S150).

Accordingly, the electronic money corresponding to the purchase price will be deducted from the electronic money card 15 of the terminal device 10 receiving the electronic money deduction signal.

On the other hand, the payment method of the electronic money service center 200 of the present invention, after providing the electronic money reduction signal corresponding to the purchase price to the terminal device 10 that is the target of electronic money payment, the payment processing facts corresponding to the shopping service It may be provided to the server 100 (S160). That is, in the payment method of the electronic money service center 200 of the present invention, the shopping service server 100 displays a payment processing fact indicating that the electronic money payment corresponding to the current payment request signal received from the shopping service server 100 is normally processed. ) Can be provided.

Thus, as described above, the shopping service server 100 that has received the payment processing fact may inform the terminal device 10 that has requested the electronic payment this time that the payment for the shopping product has been processed.

On the other hand, if it is determined in step S130 that the electronic money payment is impossible, the payment method of the electronic money service center 200 of the present invention, the payment service can be notified to the shopping service server 100 or the terminal device 10. will be.

As described above, according to the shopping purchase price payment method according to the first embodiment of the present invention, when the terminal device 10 that wants to purchase a shopping product requests electronic money payment from the shopping service server 100, The shopping service server 100 provides the payment request signal corresponding to the corresponding terminal device (eg, the terminal device 10) that is the target of electronic money payment to the electronic money service center 200, and the corresponding terminal device (ie, the electronic money payment target). The electronic money payment corresponding to the purchase amount between the terminal device 10 and the electronic money service center 200 is processed, so that the purchase / payment can be made easily using electronic money in the terminal device when purchasing shopping goods through a shopping service. can do.

Therefore, according to the shopping purchase price payment method according to the first embodiment of the present invention, when purchasing a shopping article through a shopping service, it is possible to simply purchase / pay using electronic money in the terminal device, This can increase the user's convenience by eliminating the need to enter information (e.g., credit card number and password) for payment, and enter information for payment (e.g., credit card number and password). This can solve the problem of security for credit information.

Hereinafter, a control flow of the shopping purchase amount payment method using the electronic money according to the second embodiment of the present invention configured as described above will be described with reference to FIGS. 10 and 11. Here, for the convenience of description, the configuration shown in FIGS. 4 to 7 described above will be described with reference to the corresponding reference numerals.

First, the shopping purchase price payment method of the present invention will be described with reference to FIG.

In the shopping purchase amount payment method of the present invention, the terminal device 10 transmits a predetermined designated payment number to the service providing server 400 (S210). For example, when the shopping service server 300 is a home shopping service server providing a home shopping service, a user of the terminal device 10 is broadcasted on a home shopping image broadcast through the terminal device 10 or another media player. You can check the designated payment number of the shopping product in use or the designated payment number of the specific shopping product through a pre-distributed flyer. Accordingly, the user of the terminal device 10 confirms the designated payment number corresponding to the shopping product to be purchased in the home shopping video or advertisement bill and attempts to make a call by inputting the corresponding designated payment number, so that the terminal device 10 designates the designated payment number. Payment number can be sent.

Here, the designated payment number is a special number that is set in advance by the shopping service server 300 corresponding to each shopping product sold by the customer, and server information of the corresponding shopping service server (eg, the shopping service server 300) and shopping. It is preferable to indicate product selection information.

When the designated payment number is transmitted from the terminal device 10, the service providing server 400 provides a payment request signal corresponding to the terminal device 10 to the electronic money service center 500 (S215). That is, the service providing server 400 recognizes a WAP page access for the request for electronic money payment corresponding to the designated payment number sent when the call is attempted to be sent as the designated payment number is transmitted from the terminal device 10. In addition, the payment request signal corresponding to the terminal device 10 may be provided to the electronic money service center 500.

Here, the payment request signal, the server information of the corresponding shopping service server (eg, shopping service server 300) according to the designated payment number from the terminal device 10, shopping product selection information, terminal identification of the terminal device 10 It may include at least one of the information.

The electronic money service center 500 that receives the payment request signal from the service providing server 400 according to the received payment request signal, purchases a purchase amount of the shopping product corresponding to the designated payment number from the corresponding shopping service server 300. Obtaining the information (S230) determines whether the electronic money payment of the purchase price corresponding to the terminal device 10 is possible (S230).

Here, a preferred example of step S230, the electronic money service center 500 obtained the purchase price information according to the payment request signal, the terminal of the terminal device (eg, the terminal device 10) included in the payment request signal Provide the balance check request to the terminal device 10 to check the actual balance information of the electronic money held in the terminal device 10, which is the target of electronic money payment, in the identification information (S232). In response to the reply (S233) and grasping and comparing the obtained balance information with the purchase amount, it is possible to determine whether the electronic money settlement is possible (S236).

If it is determined that the electronic money payment is possible, the electronic money service center 500 may request the electronic money payment approval from the terminal device 10 that is the target of electronic money payment (S240). That is, the electronic money service center 500 requests the electronic money payment approval by providing an electronic money payment approval message indicating the purchased purchase amount and the corresponding shopping product and asking whether to approve the electronic money payment. Can be.

Accordingly, when an approval confirmation for approving the payment is returned according to the electronic money approval request (S245), the electronic money service center 500 processes the payment according to the payment request signal (S250), and the terminal device 10 The electronic money reduction signal corresponding to the purchase amount is provided (S260) and the payment processing facts are provided to the shopping service server 300 (S270). Of course, the process of requesting / replying the electronic money payment approval may be omitted.

Accordingly, the terminal device 10 receiving the electronic money deduction signal from the electronic money service center 500 will deduct the electronic money corresponding to the purchase price according to the electronic money deduction signal from the electronic money therein (S265).

Meanwhile, the shopping service server 100 receiving the payment processing fact from the electronic money service center 500 may notify the corresponding terminal device 10 according to the payment processing fact that the payment for the shopping product has been processed ( S275). In this case, the shopping service server 300 may provide the terminal 10 with an SMS or MMS indicating that the payment has been processed. Accordingly, the user of the terminal device 10 may recognize that the electronic money payment for the shopping product he requested for electronic money payment was normally processed.

In addition, the shopping service server 300 may process the delivery of the shopping product processed according to the corresponding receiving address information of the user (S280). Thus, the user of the terminal device 10 will be able to receive the shopping product within a few days from the receiving address entered when the electronic money payment request.

Here, the method for the shopping service server 300 to recognize the receiving address information corresponding to the user of the terminal device 10, the electronic money service center 500 from the shopping subscriber information previously stored in the shopping service server 300 It is preferable to recognize by finding the receiving address information corresponding to the terminal identification number of the terminal device 10 included in the payment processing fact received from the.

Hereinafter, referring to FIG. 11, the payment method of the electronic money service center 500 according to the second embodiment will be described in more detail.

Basically, the payment method of the electronic money service center 500 of the present invention corresponds to each of all terminal devices managed by the electronic money service center 500, that is, the balance information on the electronic money held by the corresponding terminal device. The electronic money balance information for each terminal is stored, and the electronic money balance information of the predetermined terminal device is increased or subtracted to settle / manage (S300).

The payment method of the electronic money service center 500 of the present invention determines whether a payment request signal is received from an external service providing server 400 (S310), and when a payment request signal is received, corresponding to the payment request signal. The purchase price information of the shopping product corresponding to the designated payment number according to the payment request signal is obtained from the external shopping service server 300 (S320). That is, in the payment method of the electronic money service center 500 of the present invention, the shopping service server based on the server information and the shopping product selection information of the shopping service server (eg, the shopping service server 300) included in the payment request signal. It can be obtained by requesting the purchase amount information of the shopping product (300). At this time, in the payment method of the electronic money service center 500 of the present invention, the payment request signal from the service providing server 400 is transmitted to the shopping service server 300 to request / acquire the purchase price information of the purchased product. You could do it.

Thus, the payment method of the electronic money service center 500 of the present invention obtained the purchase amount information according to the payment request signal, the electronic money balance information of the corresponding terminal device (eg, the terminal device 10) according to the payment request signal. Inquiring to determine whether the electronic money payment of the purchase amount is possible (S330).

That is, the payment method of the electronic money service center 500 of the present invention is based on the terminal identification information of the terminal device (for example, the terminal device 10) included in the payment request signal, the terminal device 10 that is subject to electronic money payment. Get electronic money balance information corresponding to).

For example, the payment method of the electronic money service center 500 of the present invention corresponds to the terminal device 10 based on the terminal identification information of the terminal device (for example, the terminal device 10) included in the payment request signal. The electronic money balance information may be queried from previously stored balance information of each terminal to determine balance information of the corresponding terminal device 10.

Here, when the terminal device 10 makes an offline payment using the electronic money of the electronic money card 15, the balance information remaining on the electronic money card 15 of the terminal device 10 is settled / managed by the payment unit 510. The balance information of the corresponding terminal device 10 may not match in real time.

Therefore, the electronic money service center of the present invention preferably obtains purchase price information according to a payment request signal when the payment method of the electronic money service center 500 of the present invention grasps the balance information of the terminal device 10. In the payment method of 500, the terminal balance information of the terminal device (eg, the terminal device 10) included in the payment request signal includes the actual balance information of the electronic money held in the terminal device 10 that is the target of electronic money payment. It is preferable to provide a balance check request for confirmation to the terminal device 10 so that the remaining balance information can be returned from the terminal device 10 and grasped.

Accordingly, the payment method of the electronic money service center 500 of the present invention determines whether the electronic money balance corresponding to the terminal device 10 is greater than or equal to the purchase price according to the payment request signal, thereby payment of the electronic money of the purchase price. It can be determined whether is possible.

As a result of the determination, when the electronic money payment is possible, the payment method of the electronic money service center 500 of the present invention processes the payment according to the current payment request signal and corresponds to the purchase amount to the terminal device 10 subject to electronic money payment. It provides an electronic money reduction signal. That is, in the payment method of the electronic money service center 500 of the present invention, the electronic money balance information corresponding to the terminal device 10 that is the target of electronic money payment in the balance information for each terminal according to the current payment request signal is added to the purchase price. By correspondingly deducting and processing the payment by providing the real money of the amount corresponding to the terminal device 10 to the shopping service server (S340), the electronic money reduction signal corresponding to the purchase amount is the target of the electronic money settlement. It may be provided to the terminal device 10 (S350).

Accordingly, the electronic money corresponding to the purchase price will be deducted from the electronic money card 15 of the terminal device 10 receiving the electronic money deduction signal.

On the other hand, the payment method of the electronic money service center 500 of the present invention, after providing the electronic money reduction signal corresponding to the purchase price to the terminal device 10 subject to the electronic money payment, the payment processing facts corresponding to the shopping service It may be provided to the server 300 (S360). That is, the payment method of the electronic money service center 500 of the present invention may provide the shopping service server 100 with a payment processing fact indicating that the electronic money payment corresponding to the current payment request signal has been normally processed. Here, the payment processing fact may include the terminal identification number of the terminal device 10 to be the payment target.

Thus, as described above, the shopping service server 300 that has received the payment processing facts may inform the terminal device 10 that has requested the electronic payment this time that the payment for the shopping product has been processed.

On the other hand, if it is determined in step S3130 that the electronic money payment is impossible, the payment method of the electronic money service center 500 of the present invention, the fact that payment is impossible shopping service server 100 or the terminal device 10 or service providing server ( 400).

As described above, according to the shopping purchase amount payment method according to the second embodiment of the present invention, if the terminal device 10 that wants to purchase a shopping product sends a designated payment number for electronic money payment, the service providing server The 400 provides a payment request signal corresponding to the terminal device 10 that is the target of electronic money payment to the electronic money service center 500, through interworking between the electronic money service center 200 and the corresponding shopping service server 300. As the electronic money settlement between the electronic money service center 200 and the terminal device 10 is processed, it is possible to easily purchase / pay using electronic money in the terminal device when purchasing shopping goods through a shopping service.

Therefore, according to the shopping purchase price payment method according to the second embodiment of the present invention, when purchasing shopping goods through a shopping service, it is possible to simply purchase / pay using electronic money in the terminal device, This can increase the user's convenience by eliminating the need to enter information (e.g., credit card number and password) for payment, and enter information for payment (e.g., credit card number and password). This can solve the problem of security for credit information.

Although the present invention has been described in detail with reference to preferred embodiments, the present invention is not limited to the above-described embodiments, and the technical field to which the present invention belongs without departing from the gist of the present invention as claimed in the following claims. Anyone skilled in the art will have the technical idea of the present invention to the extent that various modifications or changes are possible.

When the terminal device that wants to purchase shopping goods through the shopping service requests the electronic payment to the shopping service server or sends a designated payment number for the electronic money to the service providing server, the corresponding shopping service server or the service providing server By providing a payment request signal corresponding to the device to the electronic money service center, the electronic money service center processes the electronic money payment for the purchase price of the shopping item, thereby purchasing the shopping item through the shopping service. When applying the shopping purchase amount payment system and shopping purchase amount payment method of the present invention that can be easily purchased / paid using a, the convenience of shopping purchase payment and credit information security, the use of electronic money, user satisfaction aspects Can lead to very large advances in Since the degree to which the server's service, and not only there is sufficient potential for commercial or marketing of the electronic money service center can be apparently carried out in reality the invention there is industrial applicability.

1 is a control block diagram of a shopping purchase amount payment system according to a first embodiment of the present invention.

2 is a control block diagram of a shopping service server according to a first embodiment of the present invention.

3 is a control block diagram of an electronic money service center according to a first embodiment of the present invention.

4 is a control block diagram of a shopping purchase amount payment system according to a second exemplary embodiment of the present invention.

5 is a control block diagram of a service providing server according to a second exemplary embodiment of the present invention.

6 is a control block diagram of a shopping service server according to a second exemplary embodiment of the present invention.

7 is a control block diagram of an electronic money service center according to a second embodiment of the present invention.

8 is a flowchart illustrating a control flow of the shopping purchase price payment method according to the first embodiment of the present invention.

9 is a flowchart illustrating a control flow of a payment method of an electronic money service center according to a first embodiment of the present invention.

10 is a flowchart illustrating a control flow of a shopping purchase price payment method according to a second embodiment of the present invention.

11 is a flowchart illustrating a control flow of a payment method of an electronic money service center according to a second embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

1: network 10: terminal device

15: electronic money card 100: shopping service server

200: Electronic Money Service Center

Claims (25)

A terminal device for requesting electronic money payment for a predetermined shopping product using electronic money; A shopping service server providing a payment request signal according to a purchase price of the shopping goods corresponding to the terminal device targeted for electronic money according to the electronic money payment request for the shopping goods received from the terminal device; And According to the payment request signal received from the shopping service server, payment processing according to whether or not the electronic money payment of the purchase price corresponding to the terminal device that is the target of electronic money payment, and the electronic corresponding to the purchase price to the terminal device A shopping purchase price payment system using an electronic money, comprising an electronic money service center providing a currency deduction signal and providing a payment processing fact to the shopping service server. Electronic money storage unit for storing the electronic money; And Request electronic money payment for a predetermined shopping product using the electronic money, and when an electronic money deduction signal corresponding to a predetermined purchase amount is received in response to the electronic money payment request, the electronic money balance of the electronic money storage unit is determined accordingly. A terminal control unit for subtracting; The electronic money payment request, And at least one of terminal identification information of the terminal device, shopping product selection information on a selected shopping product according to a user input, receiving address information, and terminal identification information of a terminal device targeted for electronic money payment. A shopping product information storage unit for storing shopping product information on at least one shopping product for sale; And When the electronic money payment request for the selected shopping goods is received from a predetermined terminal device, an external electronic device transmits a payment request signal according to the purchase price of the shopping product corresponding to the terminal device targeted for electronic money according to the electronic money payment request. Shopping service server comprising a shopping service control unit for providing a currency service center. The method of claim 3, wherein The shopping service control unit, When the electronic money payment request is received, the electronic money service center transmits the payment request signal including at least one of server information, purchase price information of the shopping product, and terminal identification information of the corresponding terminal device that is the target of electronic money payment. If the payment processing facts are received in response to the payment request signal from the electronic money service center, and informs the terminal device that payment for the shopping product requesting the electronic money payment has been processed according to the payment processing facts. Featuring a shopping service server. A settlement / management unit for calculating / managing balance information on electronic money held for each terminal device; And When the payment request signal is received from an external shopping service server, the payment is possible when the electronic money payment of the predetermined purchase amount according to the payment request signal is possible based on the balance information of the corresponding terminal device that is the target of electronic money payment according to the payment request signal. And a service provider for providing an electronic money deduction signal corresponding to the purchase amount to a corresponding terminal device subject to electronic money payment and providing a corresponding payment processing fact to the shopping service server. Currency Service Center. The method of claim 5, The service provider, When the electronic money payment of a predetermined purchase amount according to the payment request signal is possible, based on the balance information of the terminal device, which is the target of electronic money payment, request the electronic money payment approval to the terminal device and if the approval confirmation is returned, the settlement / Payment processing corresponding to the purchase amount corresponding to the purchase amount, providing an electronic money deduction signal corresponding to the purchase amount to the terminal device, and providing the payment processing fact to the shopping service server; Currency Service Center. The method of claim 6, The payment request signal, And at least one of server information of the shopping service server that provides the payment request signal, terminal purchase information of the purchase price information, and terminal identification information of a corresponding terminal device for electronic money payment. A shopping service server for storing a designated payment number for an electronic money payment request corresponding to each of the at least one shopping product for sale; A terminal device for transmitting a predetermined designated payment number for requesting electronic money payment for a predetermined shopping product using electronic money stored therein; A service providing server providing a payment request signal corresponding to the terminal device when the designated payment number is transmitted from the terminal device; And In accordance with the payment request signal received, the purchase price information of the shopping product corresponding to the designated payment number from the corresponding shopping service server to obtain the payment according to whether the electronic money payment of the purchase amount corresponding to the terminal device And a electronic money service center for providing the electronic money reduction signal corresponding to the purchase price to the terminal device and providing the payment processing fact to the shopping service server. system. Electronic money storage unit for storing the electronic money; And Sending a predetermined designated payment number for requesting the electronic money payment for a predetermined shopping goods using the electronic money, and when the electronic money reduction signal corresponding to the predetermined purchase amount is received corresponding to the designated payment number sent out accordingly Terminal device comprising a terminal control unit for subtracting the electronic money balance of the electronic money storage. A shopping product information storage unit for storing shopping product information on at least one shopping product for sale; And Stores a designated payment number for requesting electronic money payment corresponding to each of the at least one shopping product for sale, and if the purchase price information of the shopping product corresponding to the predetermined designated payment number is requested from the outside, based on the shopping product information storage unit Shopping service server comprising a shopping service control unit for providing the purchase price information. A designated payment number storage unit for storing at least one predetermined payment number preset for requesting electronic money payment; And When the at least one designated payment number is transmitted from a predetermined terminal device, the service control unit, characterized in that for providing the payment request signal corresponding to the designated payment number to the external electronic money service center corresponding to the terminal device; Service providing server, characterized in that. A settlement / management unit for calculating / managing balance information on electronic money held for each terminal device; And When a payment request signal is received from an external service providing server, the purchase price information of a shopping product corresponding to a designated payment number according to the payment request signal is obtained from a corresponding external shopping service server, and the corresponding information according to the payment request signal is obtained. If the electronic money payment of the purchase price is possible based on the balance information of the terminal device, the payment is processed, the electronic money deduction signal corresponding to the purchase price is provided to the terminal device, and the payment processing fact is provided to the shopping service server. Electronic money service center comprising a service provider. 13. The method of claim 12, The service provider, When the electronic money payment of the purchase price is possible based on the balance information of the terminal device, requesting approval of the electronic money payment to the terminal device and if the approval confirmation is returned, the corresponding balance information of the settlement / management part corresponds to the purchase price. Payment processing, providing an electronic money deduction signal corresponding to the purchase amount to the terminal device, and providing the payment processing fact to the shopping service server. The method of claim 13, The payment request signal, Electronic money service center comprising at least one of the server information of the shopping service server according to the designated payment number and the terminal identification information of the terminal device that is the target of electronic money payment. Requesting, by a predetermined terminal device, electronic money payment for a predetermined shopping product using electronic money; In response to the electronic money payment request for the shopping goods received from the terminal device, providing a payment request signal according to the purchase price of the shopping goods corresponding to the terminal device targeted for electronic money payment; In accordance with the payment request signal received from the shopping service server, the electronic money service center processing the payment according to whether the electronic money payment of the purchase price corresponding to the corresponding terminal device subject to electronic money payment; And The electronic money service center providing an electronic money deduction signal corresponding to the purchase price to a corresponding terminal device, and providing a payment processing fact to the shopping service server; Payment Method. The method of claim 15, Providing the payment request signal, When the electronic money payment request for the selected shopping product is received from the terminal device, the shopping service server storing the shopping product information on the at least one shopping product for sale is owned by the server information and the purchase price of the shopping product. And a payment request signal including at least one of information and terminal identification information of a corresponding terminal device targeted for electronic money payment, to the electronic money service center. The method of claim 15, According to the payment processing facts received from the electronic money service center, the shopping service server further comprises the step of notifying the terminal device that the payment for the corresponding shopping goods requesting the electronic money payment has been processed. Payment method for shopping purchases using the. Calculating / managing balance information on electronic money held for each terminal device; When the payment request signal is received from an external shopping service server, it is determined whether the electronic money payment of the predetermined purchase amount according to the payment request signal is possible based on the balance information of the corresponding terminal device that is the target of electronic money payment according to the payment request signal. Making; And If the electronic money payment is possible, the step of payment processing and providing the electronic money reduction signal corresponding to the purchase amount to the terminal device subject to the electronic money payment and providing the corresponding payment processing facts to the shopping service server; Payment method of the electronic money service center, characterized in that. The method of claim 18, If the electronic money payment is possible, further comprising: requesting approval of the electronic money payment to the terminal device and determining whether an approval confirmation is returned; If the approval confirmation is returned, the corresponding balance information of the terminal device is settled in correspondence to the purchase amount, the electronic money deduction signal corresponding to the purchase amount is provided to the terminal device, and the payment processing fact is returned to the shopping service server. The payment method of the electronic money service center, characterized in that to perform the steps provided. The method of claim 18, The payment request signal, The payment method of the electronic money service center comprising at least one of server information of the shopping service server for providing the payment request signal, the purchase price information and terminal identification information of the corresponding terminal device that is the target of electronic money payment. . Transmitting, by a predetermined terminal device storing electronic money therein, a predetermined designated payment number for requesting electronic money payment for a predetermined shopping product using the electronic money; Providing a payment request signal corresponding to the terminal device by the service providing server when the designated payment number is transmitted from the terminal device; Acquiring, by the electronic money service center, the purchase price information of the shopping product corresponding to the designated payment number from the corresponding shopping service server according to the received payment request signal; Payment processing by the electronic money service center according to whether the electronic money payment of the purchase price corresponding to the terminal device is possible; And Providing, by the electronic money service center, an electronic money deduction signal corresponding to the purchase price to the terminal device, and providing a payment processing fact to the shopping service server; Payment Method. The method of claim 21, According to the payment processing facts received from the electronic money service center, the shopping service server further comprises the step of notifying the terminal device that the payment for the corresponding shopping goods requesting the electronic money payment has been processed. Payment method for shopping purchases using the. Calculating / managing balance information on electronic money held for each terminal device; When a payment request signal is received from an external service providing server, acquiring purchase price information of a shopping product corresponding to a designated payment number according to the payment request signal from a corresponding external shopping service server; Determining whether the purchase amount is possible for electronic money payment based on balance information of the corresponding terminal device according to the payment request signal; And If the electronic money payment is possible, the electronic money service center comprising the step of payment processing, providing the electronic money reduction signal corresponding to the purchase amount to the terminal device and providing the payment processing facts to the shopping service server. Of payment method. The method of claim 23, If the electronic money payment is possible, further comprising: requesting approval of the electronic money payment to the terminal device and determining whether an approval confirmation is returned; If the approval confirmation is returned, the corresponding balance information of the terminal device is settled in correspondence to the purchase amount, the electronic money deduction signal corresponding to the purchase amount is provided to the terminal device, and the payment processing fact is returned to the shopping service server. The payment method of the electronic money service center, characterized in that to perform the steps provided. The method of claim 24, The payment request signal, The payment method of the electronic money service center, characterized in that it comprises at least one of the server information of the shopping service server according to the designated payment number and the terminal identification information of the terminal device that is the target of electronic money payment.

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