KR20110016736A - Electric payment system by deputy and transaction method using it - Google Patents

Abstract

PURPOSE: A proxy electronic payment system and a transaction method using the same are provided to establish an electronic payment system for seller who did not establish the electronic payment system due to a high cost, thereby enabling a buyer to conveniently perform payment. CONSTITUTION: A proxy electronic payment web server(410) registers, modifies, deletes, and searches a seller and a payer who desires to use a proxy electronic payment system(400) in the internet. A seller management DB stores a seller data processed in the proxy electronic payment web server. A payer management DB(430) stores a payer data process in the proxy payment web server. An linking server(440) transmits a decoded result after decoding a requested payment information into information which is need in a PG(Payment Gateway) company.

Description

Electronic payment system and transaction method using it {Electric payment system by deputy and transaction method using it}

The present invention relates to the present system and a transaction method that enables payment on the Internet for a price traded on-offline. If payment is difficult due to time, distance, payment method, etc., between the seller who is required to pay for the transaction and the buyer (payer) who is required to make a payment, It is an alternative electronic payment method.

In general, the payment method between the seller and the buyer offline is generally used to be processed in accordance with the payment method that can be processed in cash or in the store directly. However, this method often comes with inconvenience. If you do not go directly to the store, most bank transfers must be made, which may limit the buyer's payment method. For example, in order to pay the school expenses, the guardian who pays the school expenses of the child must visit or leave the card or cash to the child who is a minor, and pay only according to the payment method held by the school. It must exist. In addition, there are many sellers who fail to build an electronic payment system in many small businesses.

The present invention is derived to solve the problems according to the above-described example technology,

First, it aims to provide a technology that enables buyers to make convenient payments by establishing an electronic payment system at low cost to sellers who cannot establish an electronic payment system on the Internet for high cost.

Second, it is a technical provision to increase the transparency of the transaction and vitalization of the economy through electronic payment.

To establish a surrogate electronic payment system for a seller who is unable to establish an electronic payment system on the Internet and a buyer who is restricted in the seller's payment method, and use the same to interconnect with the Internet; A seller management routine that sells goods, services, information, and the like, joins or withdraws a seller who wants to use an alternative electronic payment because the electronic payment system cannot be established, and registers or modifies information; A biller management routine that purchases goods, services, information, etc., and registers or withdraws a biller who wants to use proxy electronic payment in a situation where direct payment is difficult and registers or modifies information; A seller selection and payment request routine for accessing the proxy electronic payment system to search or directly select a seller registered in the seller management routine, select or input a desired payment method and amount, and request electronic payment; It is characterized in that it includes a linkage and result processing routine for linking the requested information with PG company and automatically sending and processing the payment result by e-mail or mobile message.

According to the present invention, a seller who has not built an electronic payment system can be equipped with an electronic payment system simply by registering with the system, and provide the payer with the advantages of time, distance, and payment method in payment, and electronic payment. Through this has the advantage of increasing the transparency of the transaction and vitalization of the economy.

In order to achieve the above object, the surrogate electronic payment system according to the present invention is interconnected via the Internet; A proxy electronic payment web server that registers, modifies and stores seller and payer information and stores and processes payment related information in respective databases;

It is characterized in that it comprises a linked server for processing electronic transmission or email messages and associated with the PG company for the electronic payment automatically.

In order to achieve the above object, the transaction method of the present invention includes a seller management routine for a seller who fails to establish an electronic payment system on the Internet to access or join the system and register or modify information; A payer management routine in which a payer accesses the system to join or unsubscribe and register or modify information; A seller selection and payment request routine in which a payer searches or directly selects a seller registered in the seller management routine, inputs a desired payment method and amount, and requests electronic payment;

And linking and result processing routines for linking the requested information with the PG company and automatically sending and processing the payment result via e-mail or mobile message.

Here, the seller management routine and the payer management routine may be updated from time to time at the request of the subscriber.

Here, the seller selection and payment request routine enables processing for payment without registering as a member (non-member).

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of an overall network showing a transaction method of the present invention, Figure 2 is a flow chart of the whole transaction through the surrogate electronic payment system according to the present invention. The seller 200 who failed to establish the electronic payment system accesses the proxy electronic payment web server 410 of the system 400 through the Internet network 300 and registers the seller of the seller management routine S600. The payer 100 who cannot make a payment accesses the surrogate electronic payment web server 410 of the surrogate electronic payment system 400 through the internet network 300 to register the payer of the payer management routine S700.

The seller 200 sells goods, services, information, etc. to the payer 100 on and offline, and the payer accesses the proxy electronic payment web server 410 to make a payment. After logging in to the payer or entering only the payer basic information for payment, search or select the seller who sold to me from the seller registered in the seller management routine (S600), and the payment method and payment amount for the payment request. Etc., the payment request is made to the associated server 440.

Through the linkage and result processing routine (S900), the linkage server 440 decodes and checks the requested payment information as necessary information from the electronic payment system 500 and transmits the same, and waits for the payment processing result. When the payment result arrives in the electronic payment system 500, the results are sent to the seller and the payer via email or mobile.

In the electronic payment system 500, the payment amount is transmitted to the seller 200 by a payment method that is generally processed.

To explain the present invention with a detailed example to help understand, the school as a seller does not have an electronic payment system to join the system, and the guardian who is sending a child to the school is inconvenient to pay the school price directly, this system After signing up for a payment using the system, the system will search or select the school to be paid in the system and request a payment with the desired payment method (credit card, bank transfer, mobile payment, etc.). In this way, the payment amount is passed to the seller. In addition, sellers and payers can check payment results via email or mobile messages within minutes of payment.

1 is an overall network diagram showing a trading method of the present invention.

Figure 2 is a flow diagram of the whole transaction of the surrogate electronic payment system according to the present invention.

Claims (2)

A proxy electronic payment web server that processes registration, modification, deletion, search, selection, payment request, etc. of a seller and a payer who want to use the proxy electronic payment system on the Internet; A seller management database for storing seller data processed in the proxy electronic payment web server; A biller management database that stores biller data processed by the proxy electronic payment web server; A linked server that decodes and checks the requested payment information as necessary information from the PG company and transmits the received payment information, and transmits the payment processing result in an email or a mobile message; An alternative electronic payment system that includes a linked database that stores payment processing data. The method of claim 1, further comprising: a transaction method using a proxy electronic payment system; Interconnected via an internet network; A seller management routine that sells goods, services, information, and the like, registers or withdraws a seller who wants to use an alternative electronic payment because the electronic payment system cannot be established, and registers or modifies information; A biller management routine that purchases goods, services, information, etc., and registers or withdraws a biller who wants to use proxy electronic payment in a situation where direct payment is difficult and registers or modifies information; A seller selection and payment request routine for accessing the proxy electronic payment system to search or directly select a seller registered in the seller management routine, select or input a desired payment method and amount, and request electronic payment; And a linkage and result processing routine for linking the requested information with a PG company and automatically sending and processing a payment result via an e-mail or mobile message.

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