KR20110127891A

KR20110127891A - A system and the method for providing the proxy settlement service

Info

Publication number: KR20110127891A
Application number: KR1020100047389A
Authority: KR
Inventors: 정재형
Original assignee: 사이버씨브이에스(주)
Priority date: 2010-05-20
Filing date: 2010-05-20
Publication date: 2011-11-28

Abstract

PURPOSE: A system and a method for serving proxy payment by using the same are provided to enable a payer to inquire and manage a product history which is purchased through a proxy payment at once. CONSTITUTION: A proxy payment service main screen is displayed on the terminal screen of the payer(S1104) if a payer requests using a proxy payment service(S1102). After inputting an ID and a password from the payer, a login button is selected(S1106). A user authentication is performed(S1108). If a proxy payment menu is inputted(S1110), a payment requesting history in which the payers of the corresponding payer are requested is summarily inquired and displayed(S1112).

Description

A surrogate settlement system and a proxy settlement service method using the same

The present invention relates to a surrogate payment system and a surrogate payment service method using the same, and more particularly, the billing person inquires the billing details requested by a plurality of buyers collectively, and performs surrogate payment through collective or selective approval. In addition, it is possible to automatically perform proxy payment for purchases below a predetermined amount, so that customers who do not pay their own money, such as minors or company-cost items, can be easily purchased. And it relates to a surrogate payment system and a surrogate payment service method using the same that can be viewed and managed by the payer at a time the product details purchased through the surrogate payment.

The popularization of the Internet is an important factor in bringing about fundamental changes and innovations in our daily lives. The Internet has allowed any company to open an e-shopping site and make their products accessible to a large number of potential customers in a short time. In particular, due to the rapid increase in e-commerce through the Internet shopping malls, innovative changes are being made in consumers' consumption life. The reason is that internet shopping has less time and space constraints on product purchase than traditional shopping, and it is possible to make a good purchase decision through various information, and to search for products or pay the price of purchased products. Because this is very convenient.

However, the conventional payment method of the Internet shopping mall has a problem in that the orderer who orders the goods and the payer who pays the same must be the same person. In other words, if you ordered the goods on the Internet but could not pay right away, or if you do not have the ability to pay, such as minors, it was impossible to make payments. In addition, in case of purchasing goods in the online shopping mall at the company's expense, in the current payment method in which the person who ordered the goods must perform the payment, the payer purchases all the items required by the employees in the company, and accordingly, handles the expenses accordingly. Not only did they have to manage everything, it also caused the inconvenience of having to hand over the goods to be delivered and redistribute them to employees.

In order to solve this problem, a service method for paying the price of goods online has been devised by separating the orderer and the payer. However, the current surrogate payment service method can not surrogate payment requests that occur in a batch, so that each time the orderer requests a payment, the surrogate payment has to be frequently performed, and the surrogate payment service is processed as a process inside the shopping mall. There was a problem that each of the malls must perform proxy payments.

In particular, the existing online payment method and the proxy payment method are not integrated management of goods payment, so the biller cannot present the integrated window where the payment history of the goods can be checked at the same time after the proxy payment. There was an inconvenience to confirm.

The present invention is to solve the above problems according to the prior art. That is, an object of the present invention is to provide the billing party to check the billing details requested by a plurality of buyers in a batch, and to perform the billing through the collective or selective approval, and at the same time purchase below a predetermined amount. By configuring so that proxy payment can be performed automatically, it is possible to easily purchase customers who do not pay their own money, such as the purchase of goods of minors or company expenses, and the product details purchased through proxy payment The present invention provides a surrogate payment system and a surrogate payment service method using the same that the payer can inquire and manage at one time.

As a technical idea for achieving the above object, the present invention, the step of registering the payer through the membership of the payer, receiving the buyer for each payer, generating a unique code for each buyer, and pre-registered through the Internet shopping mall If a buyer's proxy payment request is received, storing the buyer's proxy payment history registered with the buyer, providing the billing agent's stored payment history, and the billing request provided from the payer Among the details, comprising the step of transmitting the selected proxy payment details and payment information of the billing agent to the financial server corresponding to the payment method selected by the billing method selected by the billing method and the corresponding payment method selected from the billing It provides a proxy payment service method characterized in that.

In another aspect, the present invention, the billing request is received through the Internet shopping mall server to provide the billing party can be collectively or selectively approved, the billing agent selected by the payer and the billing information of the payer to the financial server to perform the payment In addition, a web server that automatically approves proxy payment for a payment request of a predetermined amount or less, and is connected to the web server to provide the information provided from the customer terminal and the Internet shopping mall server and the information generated by the web server. It provides a surrogate payment system characterized in that it comprises a database server.

The surrogate payment system and the surrogate payment service method using the same according to the present invention can be easily performed by selecting the electronic payment of the customer who does not pay his / her own money, such as the purchase of goods of minors or company costs, collectively / partly, The payment details can be viewed and managed by the payer at the same time.

In addition, the present invention has the advantage that buyers can be freely used anywhere in the Internet shopping mall within a limited amount to be efficiently paid for goods and services desired by buyers.

1 is a schematic configuration diagram of a surrogate payment system according to an embodiment of the present invention.
2 is a view showing an example of the proxy information input window screen provided by the Internet shopping mall server according to an embodiment of the present invention.
3 is a view showing the internal configuration of the surrogate payment system shown in FIG.
4 is a view showing an example of a screen of a web browser provided by a web service module of the proxy payment system according to an embodiment of the present invention.
5 is a view showing an example of a screen of a web browser provided by a web service module of the proxy payment system according to an embodiment of the present invention.
6 is a view showing an example of a screen of a web browser provided by a web service module of the proxy payment system according to an embodiment of the present invention.
7 is a view showing an example of a screen of a web browser provided by a web service module of the proxy payment system according to an embodiment of the present invention.
8 is a view showing an example of a screen of a web browser provided by a web service module of the proxy payment system according to an embodiment of the present invention.
9 is a view showing an example of a screen of a web browser provided by a web service module of the proxy payment system according to an embodiment of the present invention.
10 is a flowchart illustrating a process in which a buyer purchases a product through proxy payment after purchasing a product in an internet shopping mall in the proxy payment method according to an embodiment of the present invention.
11 is a flowchart illustrating a process of inquiring and approving a request for proxy payment in the method of providing a proxy payment service according to an embodiment of the present invention.

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

1 is a schematic configuration diagram of a surrogate payment system according to an embodiment of the present invention, Figure 3 is a diagram showing the internal configuration of the surrogate payment system shown in FIG.

As shown in FIG. 1, the surrogate payment system 300 of the present invention is connected to the customer terminal 100 and the plurality of Internet shopping mall servers 200 through wired / wireless Internet, and from the customer terminal 100. Web server 310 performing batch payment history and user authentication according to the proxy payment service application, and information provided from the customer terminal 100 and the Internet shopping mall server 200 in connection with the web server 310 And a database server 330 for providing information generated by the web server 310.

The customer terminal 100 in one embodiment of the present invention includes a payer terminal 110 and a buyer terminal 120, the payer terminal and the buyer terminal may be the same. The payer registers a purchaser who can request a payment to the payer using the payer terminal 110 in the proxy payment system 300 in order to use the proxy payment service according to the present invention, and in the proxy payment system 300. The registered buyer may request a proxy payment when purchasing goods in the internet shopping mall through the purchaser terminal 120. The customer terminal 100 is a computer device capable of communication, having an internet browser capable of displaying web contents, a mobile communication terminal capable of wireless internet communication as well as a personal computer such as a desktop computer, a notebook computer, and a personal digital assistant (PDA). Assistant), etc.

The internet shopping mall server 200 transmits the proxy payment request information to the proxy payment system 300 when the buyer requests a proxy payment, and provides a service according to the buyer's request when the purchase history is normally approved. The internet shopping mall server 200 displays a payment method selection window 310 including a proxy payment method as shown in FIG. 2 in the process of selecting a payment method after the purchaser confirms the purchase, and when the buyer selects the proxy payment. The proxy payment information input window 312 is displayed so that unique information for approval of the proxy payment request can be input.

The web server 310 may include a web service module 312 that provides a proxy payment service in the form of a web browser, a payment request notification module 314 that notifies the payer of the buyer's proxy payment request in real time, and a buyer for each payer. The payment module 316 accumulates and manages the proxy payment request of the customer, the customer manager 318 performing authentication of the payer and the buyer, the shopping mall manager 320 managing the plurality of shopping malls registered in the proxy payment service, and the communication unit ( 322).

The web service module 312 is connected to the customer management unit 318 and the payment module 316 to the billing customers connected via the wired / wireless Internet, the buyers requested proxy payment history and the corresponding electronic payment service and payment history Provided in a web browser format. In addition, the web service module 312 provides buyer-specific information in a web browser format so that the payer can add / delete and manage buyers.

Payment request notification module 314 is a means for transmitting in the form of pop-ups, notifications, messages, e-mail, SMS text so that the buyer can recognize the buyer's proxy request in real time when the buyer's proxy payment request . At this time, the information for notifying the billing request of the billing agent includes information such as the shopping purchase history of the buyer, the purchase date and the payment closing date, and according to the purchaser, the number of proxy billing requests, You can be notified of your proxy payment request in a variety of ways, either real-time or in batches, hourly or daily.

The payment module 316 interoperates with the payment history database 332 of the database server 330 to provide a bill to the buyer by searching the details of the proxy payment request of the buyer, and through a communication unit 322, a bank or credit card company, It is connected to a server such as a mobile carrier and supports the settlement of the purchaser's purchase history of the selected buyer. In this case, the payment module 316 supports an electronic payment service so that payment can be made using at least one or more of a payment method of credit card, bank transfer, cyber money and points.

The customer management unit 318 interlocks with the customer information database 334 of the database server 330 and checks the identity of the payer and the buyer when using the payment service of the payer and the buyer, and the shopping mall manager 320 stores the database server 330. It is determined whether the payment request information is transmitted from a valid internet shopping mall when the agent approves the proxy payment.

The communication unit 322 provides a network interface for performing wired / wireless communication with a customer terminal 100, an internet shopping mall server 200, and a financial server including a bank, a credit card or a mobile communication company.

The database server 330 is a customer information database 334 that stores the personal information entered by the payer when signing up for the web server 310 of the proxy payment system 300, and the payment information stored for each payer. It includes a history database 332 and a shopping mall database 336 that stores the information on the Internet shopping mall registered with the agency for payment service.

The customer information database 334 creates a new database in the customer information database 334 when a new payer is connected, and includes the payer's identity information including the payer's unique ID, password, name, social security number, address, telephone number, and the like. The information of buyers who can request a settlement payment to the payer and information for automatic approval upon electronic payment are stored.

The purchaser's information includes the purchaser's identity information including unique number, social security number, e-mail, address, telephone number, etc., and the agency's request for the settlement of less than that amount. The amount and the proxy request for less than the predetermined amount of the corresponding site may include information such as automatic approval shopping mall information that is automatically approved and settled and payment method specified for automatic approval without separate payment. In addition, the information of the buyers may be managed by grouping by a pre-set group, and the automatic approval amount and the automatic approval shopping mall may be applied to each buyer group or buyer according to the selection of the payer.

Information for automatic approval during electronic payment is automatically approved and completed without a separate proxy payment process by the purchaser when the purchase history of the buyer is less than the automatic approval amount or when the purchase price is less than the predetermined amount in the automatic approval shopping mall. Means information required for Information for automatic approval during electronic payment may be automatically registered in real time through the payment module 316, the prepayment account number, credit card number, etc. of the payer, the payer points or cyber via the payment module 316 Pre-purchase in the form of money may be automatically paid in the form of deduction within the point of purchase or cyber money limit.

Hereinafter, a proxy payment service method according to an embodiment of the present invention using a system configured as described above will be described.

First, in order to perform the surrogate payment service method according to the present invention, the payer must register a buyer who can request a surrogate payment in the surrogate system, and the web service module of the present invention allows the payer to easily add / delete the buyer. And provide buyer-specific information in a web browser format for management. Hereinafter, the proxy payment service provided to the payer by the proxy payment system will be described with reference to FIGS. 4 to 9.

4 to 9 are diagrams showing examples of screens of a web browser provided by a web service module according to an embodiment of the present invention.

When the payer accesses the surrogate payment system through the wired / wireless internet and performs member registration, the surrogate payment system generates a unique code of the payer and notifies the payer. In this case, the unique code may be automatically generated by the customer management unit using a time synchronization type random number generator, or the like, and may use the identification information of the payer that can uniquely distinguish the payer such as a phone number and social security number.

After that, when the payer registered in the proxy payment system accesses the proxy payment system through the wired / wireless internet and requests the use of the proxy payment service, the web service module of the web server displays the proxy payment service main screen on the screen of the payment terminal. do.

As shown in FIG. 4, the menu screen window includes a text box unit 410 for describing an ID and password used for registering or logging in at the upper left, a screen display unit 430 at the center of the screen, and The menu display unit 420 is included.

The menu display unit 420 receives and displays the proxy payment request information requested by the buyer to display a 'substitute payment' menu for the biller to perform the proxy payment, and ''View Billing History' menu, 'Add / Manage Group' menu to add / delete and manage buyer groups and buyers, change the unique information of the payer, change information for automatic approval of proxy, and points or cyber for this It includes a 'My Page' menu where you can buy money.

When receiving the 'substitute payment' menu of the menu display unit from the payer, the web service module displays the payment request details requested by the buyers of the payer. The payment request details can be sorted by buyer group, buyer, and payment request date, as shown in Figure 5, payment request details are the buyer's unique number, buyer name, shopping mall information, order history, amount, payment request Date, payment deadline, and the like.

In addition, when the payer adjoins or clicks the displayed order details with a mouse, as shown in FIG. 6, the web service module displays detailed order details of the corresponding payment request through a separate window. In this case, a separate window in which the detailed order details are displayed may be provided with a button for moving to the corresponding Internet shopping mall homepage.

When receiving the 'payment history inquiry' of the 'payment history inquiry' menu of the menu display unit from the payer, the web service module displays the payment completed details as shown in FIG. 7. Payment details can be displayed by sorting by group, by buyer, and by date, and the outstanding payments are stored in the payment history database separately after the payment deadline date. You can check

When receiving the 'Add / Manage' menu of the menu display unit from the payer, the web service module displays the add / manage window as shown in FIG. 8 so that the payer can create / add a desired buyer group and buyer. Display on the screen. In the present invention, the payer may create one or more unrestricted number of buyer groups containing one or more unrestricted number of buyers, in this embodiment consisting of one group containing three buyers including the payer. The buyer group will be described as an example.

As shown in FIG. 8, the group addition / management window may perform addition / deletion by buyer group and addition / deletion by buyer, an automatic approval amount, an automatic approval shopping mall, and an automatic approval settlement method for each buyer group and buyer. Can be specified. At this time, the customer management unit generates a unique code that is used in the proxy payment request every time the buyer is registered. The unique code may be automatically generated by the customer management unit using a time synchronization type random number generator, or the like, and may use the identification information of the buyer that can uniquely distinguish the buyer such as a phone number and a social security number.

In addition, when the web service module of the web server selects one or more of an automatic approval amount, an automatic approval shopping mall, and an automatic approval method, the automatic approval payment information input window is opened as shown in FIG. 9 to receive payment information for automatic payment. Display. As shown in FIG. 9, the automatic approval payment information input window may designate automatic payment by selecting one or more of automatic transfer, credit card automatic approval, points, and cyber money. Such payment information for automatic payment can be modified whenever the buyer wants through the 'My Page' of the menu display unit.

10 is a flowchart illustrating a process in which a buyer purchases a product through proxy payment after purchasing a product in an internet shopping mall in the proxy payment method according to an embodiment of the present invention.

When the buyer logs in to the internet shopping mall server using the buyer terminal and confirms the purchase of the corresponding product (S1002), the internet shopping mall server selects a payment method selection window as shown in FIG. 2 so that the buyer can select one of various payment methods. 210 is displayed (S1004).

When the buyer selects the proxy payment (S1006) and requests the proxy payment to the Internet shopping mall server (S1008), the Internet shopping mall server can input the unique information for the approval of the proxy payment request as shown in FIG. The input window is displayed (S1010). At this time, the unique information for the approval of the proxy request includes the name of the buyer, the unique code of the buyer, the name of the payer, etc., the Internet shopping mall server receives information for the approval of the proxy payment request (S1012), the buyer to the information Transfer request information, including the purchase history and payment deadline of the goods required by the proxy payment system (S1014).

At this time, when the buyer's proxy payment request through the proxy payment system does not become a normal approval (S1016), the Internet shopping mall server re-selects the payment method selection window with the guide window so that the buyer can directly pay through another payment method. Display (S1018).

On the other hand, when the buyer's proxy payment request through the proxy payment system is normally approved (S1016), the Internet shopping mall server informs the buyer of the normal approval of the proxy payment request (S1020), and at the same time, the payer requests the buyer's proxy payment request. In order to be recognized, the billing agent notifies the proxy payment request according to the request method set in advance (S1022).

Subsequently, in the proxy payment system, when the payer approves the purchase history of the buyer and the payment is normally approved by the financial server, the Internet shopping mall server pays the buyer the corresponding product or service according to the buyer's request.

11 is a flowchart illustrating a process of inquiring and approving a request for proxy payment in the method of providing a proxy payment service according to an embodiment of the present invention.

As shown in FIG. 11, when a payer requests to use a proxy payment service through a wired / wireless internet (S1102), the web service module of the web server displays a main screen of the proxy payment service on a payment terminal. Display on the screen (S1104).

As shown in FIG. 4, the menu screen window includes a text box for describing an ID and a password used for a member registration or login step in the upper left portion, a screen display unit in the middle of the screen, and a menu display unit at the top of the screen. .

Subsequently, the web service module of the web server receives a unique ID and password from the payer through the text box unit on the left side of the screen, selects a login button (S1106), and the customer management unit stores the payer information and the payment stored in the customer information database. User authentication is performed by matching a unique ID and a password inputted from the user (S1108). At this time, the customer management unit may further add a separate authentication step for the correct identity of the payer.

Subsequently, when the web service module receives an input of the 'representative payment' menu from the payer (S1110), the web service module displays and displays the payment request details requested by the buyers of the payer through the payment module (S1112). .

Subsequently, the proxy payment system checks the payment request details displayed by the payer and selects the details to approve the proxy payment and the corresponding payment method (S1114). Electronic payment is performed by transmitting the payment information to the financial server (S1116). In this case, the settlement may collectively settle the payment requests of the displayed buyers through the bulk payment, or may partially settle only the settlement requests of the selected buyers through the selection button.

The present invention described above is not limited to the above-described embodiments and the accompanying drawings, and various substitutions, modifications, and changes are possible in the art without departing from the technical spirit of the present invention. It will be clear to those of ordinary knowledge.

100: customer terminal 110: payer terminal
120: buyer terminal 200: Internet shopping mall server
300: proxy payment system 310: web server
312: web service module 314: payment request notification module
316: payment module 318: customer care
320: shopping mall management unit 322: communication unit
330: database server 332: payment history database
334: Customer Information Database 336: Shopping Mall Database

Claims

In the method of providing a proxy payment service through a proxy payment system,
Registering the payer through membership of the payer;
Receiving a buyer for each payer and generating a unique code for each buyer;
If a proxy payment request of a registered buyer is received through an internet shopping mall, storing the buyer as a proxy payment history of a payer who has registered the buyer;
Providing a stored proxy request history to the payer;
From the payment request details provided by the payer, the details to approve the proxy payment and the corresponding payment method are selected, and the selected payment approval details and payment information of the payer are transferred to the financial server corresponding to the payment method selected by the payer. Transmitting;
Proxy payment service method characterized in that configured to include.

The method of claim 1,
The step of registering the payer,
The surrogate payment service method, characterized in that by registering the payment information input through the membership to generate a unique code of the payment, and receives the automatic approval payment information for automatic payment approval.

The method of claim 2,
In the step of receiving the automatic approval payment information,
A proxy payment service method comprising receiving payment information of at least one of a direct debit account number or a credit card number of a payer and a pre-purchased point or cyber money for automatic payment in real time.

The method of claim 1,
In the step of registering a buyer for each payer and generating a unique code for each buyer,
The proxy payment service method comprising the step of receiving the automatic approval reference amount, the automatic approval shopping mall, the automatic approval payment method for each registered buyer.

The method of claim 1,
When the buyer's request for proxy payment is received, storing it as the proxy payment history of the payer who registered the buyer,
And receiving the unique code of the buyer and confirming whether or not the registered buyer.

The method of claim 1,
If the buyer's request for proxy payment is received, after storing the buyer's proxy payment history registered by the buyer,
The billing service method, characterized in that further comprising notifying the buyer of the buyer's proxy payment request in accordance with the pre-set method.

The method of claim 1,
When the buyer's request for proxy payment is received, storing it as the proxy payment history of the payer who registered the buyer,
If the purchase price of the product required by the buyer is less than the purchaser's automatic approval threshold amount or is less than the predetermined amount in the automatic approval shopping mall,
The billing service method further comprises automatically performing the payment through the pre-set automatic approval payment method set by the payment, and indicating whether the automatic payment approval in the billing agent's proxy payment request history.

The method of claim 1,
Receiving the details to approve the proxy payment and the corresponding payment method is selected, and transmitting the selected proxy payment details and payment information of the payment to the financial server corresponding to the payment method selected by the payer,
The proxy payment service method, characterized in that the details of the surrogate payment request provided to be selected in whole or in part to approve the proxy payment.

In the surrogate payment system connected to the customer terminal, the Internet shopping mall server and the financial server through the wired / wireless Internet to provide a surrogate payment service,
Receives the proxy payment request through the Internet shopping mall server and provides the biller to approve the collective or selective approval.The billing agent selects the billing agent and the billing information of the payer to the financial server to perform the payment. A web server that automatically approves proxy payments for the following payment requests;
A database server connected to the web server and providing information provided from the customer terminal and the internet shopping mall server and information generated by the web server;
Proxy payment system, characterized in that configured to include.

The method of claim 9,
The web server,
A web service module for providing a proxy billing request and payment history for each payer in a web browser format, and providing buyer information in a web browser format to add / delete and manage buyers;
A payment request notification module, which is a means for notifying the payment request by the Internet web browser or SMS text so as to recognize the payment request from the buyer to the payer;
A payment module that provides a bill to the buyer by searching the buyer's proxy payment details in a batch;
A customer management unit performing authentication of the payer and the buyer;
A shopping mall manager configured to manage an internet shopping mall registered in a proxy payment system;
A communication unit providing a network interface for wired / wireless communication with a customer terminal, an internet shopping mall server, and a financial server;
Proxy payment system, characterized in that configured to include.

The method of claim 9,
The database server,
A customer information database that stores the identification information entered by the payer when registering on the web server of the proxy payment system;
A payment history database for storing information on payment details for each payer;
A shopping mall database storing internet shopping mall information registered in a proxy payment service company;
Proxy payment system, characterized in that configured to include.

The method of claim 9,
In the customer information database,
A proxy payment system, characterized in that the identity information of the payer, buyer information registered for each payer and information for automatic approval during electronic payment is stored.

The method of claim 12,
In the buyer information,
Proxy payment system, characterized in that it includes the identity information of the buyer, the automatic approval amount, automatic approval shopping mall and automatic approval payment method.

The method of claim 12,
Information for automatic approval when the electronic payment,
Proxy payment system characterized in that it comprises one or more payment means information of the automatic transfer account number or credit card number of the payer and pre-purchased points or cyber money for automatic payment in real time through the payment module.