KR20130014043A - System and method for relaying order and payment using phone number relaed to account number - Google Patents

Abstract

PURPOSE: A system for relaying order payment by using a telephone number interlinked with an account number and a method thereof are provided to supply a more convenient order payment service by using a matched number for product order payment by matching a wire/wireless telephone number with an account number opened in a finance company. CONSTITUTION: An information management unit(210) stores and maintains telephone number-account number interlinking information and personal information of users. An authentication unit(250) performs pre-authentication for confirming personal identification information related to a telephone number and personal identification information related to an account number. An information providing unit(220) provides product information registered by a seller to a purchaser. [Reference numerals] (210) Information management unit; (220) Information providing unit; (230) Account confirming unit; (240) Transfer processing unit; (250) Authentication unit; (260) Charge calculation unit

Description

SYSTEM AND METHOD FOR RELAYING ORDER PAYMENT USING A PHONE NUMBER LINKED TO ACCOUNT NUMBER {SYSTEM AND METHOD FOR RELAYING ORDER AND PAYMENT USING PHONE NUMBER RELAED TO ACCOUNT NUMBER}

Embodiments of the present invention relate to a system and method for relaying an order payment using a wired / wireless phone number replacing an account number.

In general, payment for the price of goods purchased by the buyer is made through online deposit, real time account transfer, credit card payment. In case of online deposit or real time account transfer, the buyer enters the seller's account number directly to perform the transfer process. In the case of credit card payment, the buyer enters his / her credit card information and pays. .

Korean Patent Publication No. 10-2011-0047910 (published May 09, 2011) discloses a food ordering method using a mobile phone that can be ordered by directly checking the food menu and location, etc. via a mobile phone.

However, in the prior art, the payment is processed according to the payment method selected by the orderer, and as in the past, the buyer directly requests the transfer process by directly entering the seller's account number or requests the payment by directly entering the buyer's own card information. Because of the use of the method, there is a problem in that the purchaser has to input payment information every time he / she purchases the product, as well as the buyer's personal information such as card information is exposed.

In the present specification, a system and method for providing a secure and simple order payment service using a wired or wireless telephone number replacing an account number are proposed.

Provided are an order settlement relay system and method for providing a secure and simple order settlement service using a wired or wireless telephone number.

Provided is an order settlement relay system and method for withdrawing a payment from an account associated with a buyer's phone number to a seller.

In addition to the escrow method, there is provided an order payment relay system and method that enables direct transfer between a buyer and a seller using an account linked to the seller's phone number.

In the order payment relay method of the system for relaying the order payment service of the product, according to the user's request, the bank account registered with the financial institution server is kept in accordance with the user's phone number and register the product information related to the product sold by the seller Making; Providing product information according to a product inquiry request of a user; When the user requests an order payment for the product information, checking whether or not it is possible to withdraw the product price from the financial account matched with the telephone number of the user in association with the financial company server; And if withdrawal corresponding to the product price is possible, real-time authentication is performed to check personal identification information related to the financial account and personal identification information related to the telephone number, and if the personal identification information is the same through real-time authentication, Withdrawal of goods from the user's financial account through the linkage process and transfer the transfer to the account associated with the seller, the step of registering the product information, at the seller's request, the payment method including the escrow method to the seller Registering or registering a seller's financial account according to the seller's request by matching the seller's phone number and registering a payment method including a direct transfer method to the seller, and processing the transfer to an account associated with the seller, Selects a form of escrow as your payment method, Withdraws the price of the product and transfers it to the representative account associated with the order payment service, and then transfers the price of the product from the representative account to the financial account registered by the seller at the time when the user receives the product and confirms the purchase. If you select as the direct transfer method, when the user requests the purchase of the product information, the linkage with the telephone company server confirms the personal identification information of the phone number matched to the seller's financial account, and then the product price is paid to the user's financial account. Transfers the transaction to the seller's financial account, or checks the personal identification information of the phone number matched to the seller's financial account through linkage with the telephone company server when the user receives the product and confirms the purchase. Transfer from the user's financial account to the seller's financial account.

According to one side, the order settlement relay method, the step of calculating the usage fee associated with the order payment service for the seller, the step of calculating the usage fee, in connection with the financial institution server at a certain period of time associated with the seller After calculating the usage fee based on the number of transfers made to the account, the seller may request payment of the usage fee.

It is possible to provide a more convenient order payment service by matching wired / wireless telephone numbers of the same name with the account number opened in a financial company and using the same for payment of product orders.

After the process of verifying the account balance of the buyer and the process of verifying the name of the account linked to the seller's phone number is completed, the transfer process can be performed to provide a more secure order settlement service.

Buyers and sellers can streamline transfer information between buyers and sellers by using information linked to their account number and phone number. That is, the seller provides a mobile phone number or a store phone number when receiving a payment according to the goods sold, and the buyer may provide convenience in the transaction between the seller and the buyer by depositing using only the phone number.

1 is a view for explaining the process between the order payment relay system and the buyer / seller relaying the order payment service according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating an internal configuration of a system for relaying an order payment using a phone number associated with an account number according to an embodiment of the present invention.
3 is a diagram for describing a method of calculating a service usage fee of a seller according to an embodiment of the present invention.
FIG. 4 is a flowchart for describing predecessors for an order payment service according to an embodiment of the present invention.
5 is a flowchart illustrating an order payment relay method of performing an order payment in an escrow method using a phone number associated with an account number according to an embodiment of the present invention.
6 is a flowchart illustrating an order settlement relay method of performing order settlement using a direct transfer method according to another embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a view for explaining the process between the order payment relay system and the buyer / seller relaying the order payment service according to an embodiment of the present invention. FIG. 1 shows the overall process centering on an order settlement relay system 110 that provides an order settlement service based on a phone number associated with an account number.

The order settlement relay system 110 may provide an order settlement service (eg, a delivery food order service, etc.) between the buyer 120 and the seller 130 for the goods registered by the seller 130. In addition, when the purchaser 120 wants to purchase a product, the order settlement relay system 110 receives an account number associated with a phone number through interworking with a financial company server (not shown) and / or a telephone company server (not shown). It can be used to relay the transfer between the buyer 120 and the seller 130. At this time, the order settlement relay system 110 is composed of a single system combined with a financial company server or a telephone company server, or composed of a separate system from the financial company server or telephone company server to interoperate with the financial company server or telephone company server orders Payment service can be provided. When the order settlement relay system 110 is configured in the form of combined with any one of the financial institution server or the telephone company server, the system can be constructed to interoperate between the financial institution server and the telephone company server for the order payment service. In addition, when the order payment relay system 110 is configured as a separate system from the financial company server or the telephone company server, some components of the order payment relay system 110 may be provided to the financial company server or the telephone company server side according to the system implementation or service type. It can be configured to reside.

In the following embodiment, it is described that the order payment relay system 110 is configured as a separate system from the financial company server or the telephone company server to provide the order payment service through interworking with the financial company server and / or the telephone company server. However, the present invention is not limited thereto, and in some cases, the form or method of building the order payment relay system 110 may be changed.

As shown in FIG. 1, the order settlement relay system 110 may include authentication information of a buyer 120 and a seller 130 registered in advance for an order settlement service, and phone calls of the buyer 120 and the seller 130. Number-account number interworking information, the product information registered by the seller 130, the purchase information purchased by the buyer 120, the shipping process information of the seller 130 for the purchased goods of the buyer 120 (for example, shipping status Etc.) can be maintained through the database 111. In this case, the buyer 120 may mean not only an individual user, but all users who use an order payment service such as a corporation, a business operator, and a merchant. In addition, the authentication information may include ID / password, personal identification information, address, etc. registered at the order payment service, and personal identification information includes name, name, social security number, corporation number, business number, and merchant ID. It may include at least one.

Accordingly, the order settlement relay system 110 identifies the buyer 120 accessing the service based on the information stored in the database 111 and provides the product information of the seller 130 according to the inquiry request from the buyer 120. In addition, a purchase process related to the buyer 120 may be provided, such as processing an order payment of the buyer 120 for a product of the seller 130 and registering a product reception status of the buyer 120. The purchaser 120 may request a purchase after viewing the product information registered by the seller 130 through mobile / online, and the order payment relay system 110 may transmit a phone number (that is, deposit information registered by the seller 130). , Account number substitution) and transfer information such as bank, seller name, and product price. In addition, the order settlement relay system 110 identifies the seller 130 to access the service based on the information stored in the database 111, registers the product information for each seller 130, the product of the seller 130 Inquiry about the purchase history of the buyer 120, and the seller 120 may provide a sales process associated with the seller 130, such as registering the status of the delivery process for the goods purchased. In this case, the buyer 120 and the seller 130 may use the order payment service by accessing the order payment relay system 110 through an online or mobile-based web service or application.

Further, the order payment relay system 110 requests the balance of the account of the buyer 120 to the financial institution by using the phone number-account number interworking information of the buyer 120 at the request of the buyer 120, Withdrawal from the account of the buyer 120 may process a transfer request for the seller 130. In this case, the financial company server may provide purchase information by checking the balance information of the buyer account when the purchaser requests a product purchase. When the order settlement relay system 110 applies the escrow method, the funds withdrawn from the account of the buyer 120 are preferentially requested to be transferred to the representative account 112 related to the order settlement service, and then the purchase of the buyer 120 is performed. Upon confirmation, a transfer may be requested to the account of the seller 130. In the present exemplary embodiment, the representative account 112 may mean an account held by the order settlement relay system 110 as an account for temporarily storing the transfer amount until the purchaser 120 receives the goods and confirms the purchase. . In addition, when the order payment relay system 110 applies a direct transfer method, the transfer amount may be requested directly to the account of the seller 130 for the amount withdrawn from the account of the buyer 120. At this time, the order payment relay system 110 directly processes the transfer using the phone number-account number interworking information of the seller 130, the name of the phone number linked to the account of the seller 130 in conjunction with the telephone company server After confirming the transfer process can be requested. That is, when the direct transfer method is applied, the telecommunication company server may proceed to verify the identity of the phone number associated with the account number of the seller registered in the order payment relay system 110 for the seller authentication. Therefore, the order settlement relay system 110 may provide the product information of the seller 130 to the buyer 120 and the account information of the seller 130 when the buyer 120 requests a payment. In addition, the order settlement relay system 110 may request a balance check for the account of the buyer 120 to the financial institution server and then proceed with the transfer request process and the product delivery request process when the purchase is possible.

In the present embodiment, the authentication process for the phone number-account number interworking information of the buyer 120 and / or the seller 130 performs pre-authentication at the time of initial registration of the phone number-account number interlocking information or performs a transfer processing process. Real-time authentication can be performed during the process. When the phone number-account number interworking information is registered by performing pre-authentication, real-time authentication may be omitted in the transfer process. Alternatively, when real-time authentication is performed during the transfer processing process, pre-authentication at the step of registering the phone number-account number interworking information may be omitted. In addition, both the escrow method and the direct transfer method, which are applicable to the transfer processing process, may apply pre-authentication or real-time authentication.

In the present embodiment, the order settlement relay system 110 may provide a website accessible online or mobile to provide an order settlement service of the above process through the corresponding site. In addition, the order payment relay system 110 provides a service-only application (eg, a smartphone application, a feature phone virtual machine (VM), etc.) that can be installed in a mobile terminal such as a smart phone, a tablet, and the like through the corresponding application. It can provide an order payment service of the process. In this case, the service-only application serves as an interface with the user and may be configured as a PC-based management program or a mobile-only management application. The service-only application may be driven in the mobile terminal to execute the order settlement service through interworking with the order settlement relay system 110. That is, the service used by the buyer 120 and the seller 130 may be provided in the form of a client capable of communicating with the order settlement relay system 110 such as mobile and online.

FIG. 2 is a block diagram illustrating an internal configuration of a system for relaying an order payment using a phone number associated with an account number according to an embodiment of the present invention. As shown in FIG. 2, the order payment relay system 200 according to an embodiment includes an information managing unit 210, an information providing unit 220, an account checking unit 230, a transfer processing unit 240, and an authentication unit ( 250, the fee settlement unit 260 may be included.

The information manager 210 may store and maintain personal information of a user subscribed to an order payment service and phone number-account number interworking information for each user. In this case, the personal information may include authentication information including an ID and a password, as well as a name and an address. In addition, the phone number-account number interworking information may refer to information in which a phone number of a user's financial account and a user's name matched with a financial institution. Here, the telephone number may mean all telephone numbers opened by a telecommunication company for a user such as a landline telephone, a wireless telephone, and a mobile telephone. For example, if an account number and a phone number for interworking are input from the user, the information manager 210 may immediately match the account number and the phone number input from the corresponding user and register as interworking information without a separate authentication procedure. As another example, the information management unit 210 may register as the interworking information by matching the account number and the phone number when the authentication is completed after the account number and phone number input from the user through a separate authentication process. To this end, before registering the user's phone number-account number interworking information, the authentication unit 250, if the account number and phone number are input from the user, the personal identification information associated with the account number and the personal identification information associated with the phone number. Pre-authentication can be performed to confirm. In the present specification, the personal identification information may include at least one of a name or a name, a social security number, a corporation number, a business number, a merchant ID, and hereinafter, 'name' will be described as a representative example of personal identification information. . The authentication unit 250 checks the name of the financial account in conjunction with the financial company server and checks the name of the phone number in conjunction with the telephone company server. Thus, the information management unit 210 has two persons identical to the user through pre-authentication. If it is determined that the corresponding account number and phone number can be managed as the interworking information. The information manager 210 may register and maintain product information related to a product sold by the seller for each seller. Here, the product information may include a product ID, a product unit price, a product selling point, detailed information of the product, and the like. In this embodiment, the buyer may apply a direct transfer method and an escrow method between the buyer and the seller as a method of paying the product price to the seller. In this case, the direct transfer method may be divided into a method of processing a payment when a buyer requests a purchase of a product, and a method of processing a payment when a purchaser actually receives a product and confirms a purchase. The payment method may be basically determined by the seller according to the type of product, the sales method, and the like, and when the seller provides a plurality of payment methods, the buyer may select one of the methods and request a payment. To this end, the information management unit 210 may pre-select at least one payment method of the escrow method, direct transfer method from the seller to register the payment method that the seller can provide for each seller. As described above, the information management unit 210 may manage overall data related to the buyer and the seller, and maintain personal information and phone number-account number interworking information for the buyer and personal information and products for the seller. Information, payment method, and telephone-account number interworking information. In this case, the seller's phone number-account number interworking information is also similarly registered in the information management unit 210 immediately without a separate authentication process, or pre-authentication of personal identification information between the phone number and the account number through the authentication unit 250 is performed. After being made, it may be registered in the information manager 210. In addition, the seller's phone number-account number interworking information is to link the account number to receive the sale price of goods, can be replaced by a business registration certificate and a copy of the bank account. When the escrow method is applied, it is not necessary to link the seller's financial account with the phone number because the product price can be transferred by linking the seller's information with the account information registered in advance when registering the business. In addition, the information management unit 210 may provide data generated during the order settlement service, that is, the purchase history of the product of the buyer, information of the purchaser of the product about the product delivered from the seller, information on the seller's delivery of the product purchased by the buyer, and the like. Can be stored and maintained. These data may refer to information that can be viewed at the request of the buyer or seller. Among them, the product reception information may mean reception status data registered from a buyer, such as whether a product purchase is confirmed, and the delivery processing information may mean delivery status data registered from a seller, such as a delivery status.

The information provider 220 may provide the buyer with the product information registered by the seller in response to the buyer's product inquiry request. At this time, the buyer can input the order request conditions, such as product category, merchandise sales point (location), product purchase conditions, the information provider 220 inquires the product information stored in the information management unit 210 to the buyer's order Product information that meets the requirements of the request can be provided. In addition, the information providing unit 220 authenticates the buyer accessing the service at the time of requesting the purchaser's product inquiry and retrieves the phone number-account number interworking information of the authenticated buyer and waits for the buyer to order the product. When requesting payment, the phone number-account number interworking information of the buyer may be transferred to the account verification unit 230.

The account verification unit 230, when a buyer requests an order payment for the inquiry product, that is, the buyer requests the withdrawal of the product price using an account linked to his / her phone number, the buyer's phone number-account number interworking information It is possible to check whether the withdrawal of the product price can be withdrawn from the buyer's account based on. The account verification unit 230 confirms the name of the buyer authenticated by the information provider 220, and withdraws the price of goods from the account included in the buyer's phone number-account number interworking information through interworking with the financial company server. You can check your balance. At this time, the account verification unit 230 transfers the transaction information requested by the purchaser to the transfer processor 240 when the withdrawal corresponding to the product price is available from the account corresponding to the buyer's phone number-account number interworking information. You can request a transfer process for your transaction information. In this case, the transaction information may include a product ID, a product price, a seller ID, etc. requested by the buyer, together with the buyer's personal information. On the other hand, the account verification unit 230 when the account corresponding to the buyer's phone number-account number interworking information is insufficient to inform the buyer of the remaining balance of the account to the buyer after the process terminates and temporarily the buyer's transaction information Can be stored.

The transfer processor 240 may proceed with the transfer process using the phone number-account number interworking information of the purchaser. For example, the transfer processing unit 240 may proceed with the transfer process without additional authentication process when the pre-authentication of the phone number-account number interworking information is made. As another example, if the pre-authentication of the phone number-account number interworking information is omitted, real-time authentication is first performed on the phone number-account number interworking information of the corresponding buyer, and then the transfer processing process is performed. To this end, before proceeding with the transfer processing process in the transfer processing unit 240, the authentication unit 250 may check the name of the financial account in conjunction with the financial company server, and may verify the name of the phone number in conjunction with the telephone company server. . Accordingly, the transfer processing unit 240 may proceed with the transfer processing process if the name between the two information is the same person as the buyer through real-time authentication. In addition, if the seller's phone number-account number interworking information is required to proceed with the transfer processing process, if pre-authentication is omitted, the seller's phone number-account number is subjected to real-time authentication in the same manner as above. Interworking information can be used. Subsequently, when the withdrawal corresponding to the product price is available from the account corresponding to the buyer's phone number-account number interworking information, the transfer processing unit 240 withdraws the price of the product from the corresponding account of the buyer through the link with the financial company server and with the seller. Transfer to the relevant account, and at the same time request the seller to order the goods according to the buyer's transaction information. At this time, the transfer process for the commodity price may be proceeded to the payment method selected by the buyer among the payment method (escrow method, direct transfer method) registered by the seller. In detail, when the buyer selects the escrow method as the payment method, the transfer processing unit 240 withdraws the price of the product from the buyer's account and transfers it to the representative account related to the order payment service, and then the buyer receives the product and confirms the purchase. At this point, the goods can be transferred from the representative account to the account registered by the seller. In other words, when the payment is made by the escrow method through interworking with the representative account, the amount withdrawn from the buyer's account may be temporarily managed in the representative account and transferred to the seller account after the goods are delivered. On the other hand, the transfer processor 240 retrieves the seller's phone number-account number interworking information from the information management unit 210 when the buyer selects the direct transfer method as a payment method and the account number of the seller through interworking with the telephone company server After confirming the name of the telephone number with which it is linked, transfer processing can be performed. For example, the transfer processing unit 240, when the buyer directly selects the transfer method, when the buyer requests the purchase of the product, that is, when the buyer requests payment of the order, the telephone matched to the financial account of the seller through the linkage with the telephone company server After confirming the name of the number, you can request the transfer of goods directly from the user's account to the seller's account. As another example, the transfer processing unit 240, if the buyer directly selects the transfer method when the user receives the goods and confirms the purchase at the time of confirming the purchase through the linkage with the telephone company server name of the phone number matched to the seller's financial account After confirmation, the payment can be requested directly from the user's account to the seller's account. In other words, when the direct transfer method is applied, the transfer processing unit 240 separately performs the authentication of the seller account through the telephone company server in the product purchase stage or the product reception stage, and when the identity verification phase is completed, the seller in the buyer's account You can process the transfer directly to your account. Therefore, the transfer processing unit 240 may transfer the goods price ordered by the buyer from the buyer's account to the seller's account through the transfer processing process according to the escrow method or direct transfer method. In other words, if the name of the phone number and the name of the account number are the same through pre-authentication or real-time authentication on the phone number-account number interworking information used in the transfer processing process, the escrow method passes the goods price through the representative account. A payment method that transfers to a seller. In addition, the direct transfer method is a direct transfer between the buyer and the seller when it is determined that the name of the account number and the name of the phone number through the pre-authentication or real-time authentication for the phone number-account number interworking information used in the transfer processing process This is a payment method. When the purchaser confirms the purchase of the product, the transfer processing unit 240 may inform the seller of the purchase history of the purchaser including the information according to the payment method. And to the seller.

The fee settlement unit 260 may serve to settle a usage fee associated with an order payment service for a seller. Since the seller pays the fee for using the order settlement service, only the product price can be withdrawn from the buyer account. The way in which the seller pays the usage fee can be divided into a pre-deduction method and a post-payment method. When the pre-deduction method is applied, the fee settlement unit 260 may deduct a certain fee from the price of the product withdrawn from the buyer account in conjunction with the financial company server. In this case, the transfer processing unit 240 may transfer the amount of money deducted from the fee to the seller account. On the other hand, the post-payment method may transfer the goods withdrawal from the buyer account to the full seller account, and may separately request the seller to pay the usage fee. In other words, the fee settlement unit 260 calculates the usage fee based on the number of transfers transferred to the seller account at a predetermined period (for example, monthly, daily, etc.) in connection with the financial company server, and then calculates the usage fee. You can ask the seller to pay the fee separately. In this case, if the seller has agreed in advance, the fee settlement unit 260 may automatically withdraw the usage fee from the seller account according to the number of deposits of the seller account through linkage with the financial institution server for each settlement period. Referring to FIG. 3, when the accounts linked to the phone numbers of the buyer 301 and the seller 302 are the same bank account, both the above-described deduction method and the post-payment method may be applied. On the other hand, if the account associated with the phone number of the buyer 301 and the seller 302 is another bank account, the pre-deduction method of the above-described fee payment method can be applied. The fee settlement unit 260 may be used to calculate the fee for using the service in connection with the financial institution server, and manage the details of the fee settled by the seller when the account is deducted when the buyer's account is withdrawn or after the settlement.

Referring to Figure 4, it will be described the preceding operations for the order payment service. Each of the preceding tasks illustrated in FIG. 4 may be performed by the order settlement relay system 200 described with reference to FIG. 2.

As shown in FIG. 4, when the buyer and seller apply for phone number-account number interworking (401), the buyer and seller can first check the existence of the account of the buyer and seller through linkage with the financial company server. (402). If there is a buyer and seller account in the financial institution, the order settlement relay system 200 checks whether the account number requested by the buyer and seller to be linked is a bank account in the name of the user (403), and connects with the telephone company server. If the phone number requested by the buyer and the seller to interwork is a phone in their name, an authentication procedure may be performed (404). Meanwhile, if the buyer and seller account does not exist in the financial institution, the order settlement relay system 200 requests the buyer and seller to open a bank account under their own name (405), and the buyer and seller open the account under their own name. Upon completion (406), the phone number name can be confirmed through step 404. The order settlement relay system 200 matches the phone number and the account number for each of the buyer and the seller when the name verification of the account number and the telephone number requested by the buyer and the seller are completed. 407 may be generated. In this case, the seller's phone number-account number linkage information can be replaced with a business registration certificate and a copy of the bank account. Therefore, when applying the escrow method, it is not necessary to link the seller's financial account with the phone number. Number-account number interworking information can be used. In addition, the purchaser and the seller may access the order payment relay system 200 after the completion of the interworking of the phone number and the account number (408) and request a service subscription request for the order payment service (409). In this case, the order payment relay system 200 may receive basic information necessary for using the service from the buyer and the seller according to the request of the service subscription of the buyer and the seller, and may register phone number-account number interworking information of the buyer and the seller. 410. The buyer's phone number-account number linkage information refers to a linked account linked to the buyer's phone number, which can be withdrawn from a product purchase, and the seller's phone number-account number linkage information refers to an account that can receive payments for goods sold. This can be done with a business registration certificate and a copy of the bank account. Finally, the seller registers product information (selling product introduction, selling unit price, selling information, etc.) to be sold to the order settlement relay system 200 (411). As described above, the order settlement relay system 200 may provide an order settlement service for buyers and sellers who have completed the procedure of establishing a linked account (telephone number-account number linked information) and a service registration procedure.

5 is a flowchart illustrating an order payment relay method of performing an order payment in an escrow method using a phone number associated with an account number according to an embodiment of the present invention. In the order settlement relay method according to an embodiment, each step may be performed by the order settlement relay system 200 described with reference to FIG. 2.

When the purchaser requests the seller information after mobile or web access (501), the order settlement relay system 200 may query the database in which the product information of the seller is stored according to the condition requested by the buyer (502). At this time, the buyer can input the order request conditions, such as product category, product sales location, product purchase conditions, the order payment relay system 200 inquiries on the product information stored in the database product information that meets the buyer's order request conditions 503 may be provided. The buyer may check the product information provided by the order payment relay system 200 and proceed with the order payment (504) to request the withdrawal of the product price from the account associated with his / her phone number (505). When the order settlement relay system 200 receives the withdrawal request of the buyer, the transfer processing process may be performed using the buyer's phone number-account number interworking information. At this time, the order payment relay system 200, if the pre-authentication for the telephone number-account number interworking information is omitted during the preceding operation described with reference to FIG. After the transfer process can proceed. When the order payment relay system 200 determines that the name of the phone number and the name of the account number are the same as the buyer through real-time authentication, the purchaser's product information (product ID, price, buyer address, seller ID, etc.) In addition, the buyer's name, phone number, bank, etc. may be confirmed based on the buyer's phone number-account number interworking information (506). In this case, the order settlement relay system 200 may provide product information, purchase quantity, product price, buyer address, seller information, etc. to the buyer and the seller, respectively, when the buyer purchases the product, and may store and maintain the purchase history of the buyer. . In addition, the order settlement relay system 200 may check the account balance whether it is possible to withdraw the commodity price from the buyer's account included in the interlocking information through linkage with the financial company server (507). At this time, the order settlement relay system 200 may inform the buyer of the account shortage status of the account if the balance of the product amount in the buyer's account is insufficient, terminate the subsequent process and temporarily store the buyer's transaction information ( 508). On the other hand, the order settlement relay system 200 withdraws the product price from the buyer's account in conjunction with the financial institution server when withdrawal corresponding to the product price in the buyer's account and transfers to the representative account of the order payment service, at the same time the buyer A product order based on the transaction information may be requested to the seller (509). At this time, the seller receives the product information (buyer's phone number, purchased goods, address, etc.) that the buyer wants to purchase from the order payment relay system 200 (510), the product preparation and delivery estimated time for the product The ready state can be guided to the buyer (511). After the seller prepares the product, the seller checks the address information of the buyer and processes the corresponding product (512), and the buyer receives the information guided by the seller (513), and the product purchase process is terminated by receiving the product requested by the seller ( 514). In this case, when the buyer receives the product (that is, the purchase is confirmed), the seller may transfer the delivery completion state to the order settlement relay system 200 by completing the delivery process (515). Accordingly, when the purchase of the goods is confirmed by the purchaser of the goods, the order payment relay system 200 may transfer the goods price from the representative account to the account registered by the seller (516). In the case of the seller, the merchandise sales process is terminated by receiving the commodity price from the representative account of the order settlement relay system 200 (517). Therefore, when the payment settlement order system 200 is linked to the representative account by the escrow method, the amount of money withdrawn from the buyer's account is temporarily managed in the representative account and may be transferred to the seller account after the completion of product delivery.

Referring to Figure 6, it will be described a process of applying a direct transfer method when the buyer pays for the order. In the order settlement relay method according to another embodiment, each step may be performed by the order settlement relay system 200 described with reference to FIG. 2. In the case of the direct transfer method, the payment process may be divided into a method 610 of processing a payment when a buyer requests a product purchase and a method 620 of processing a payment when the buyer actually receives a product and confirms the purchase.

How payments are processed in the product purchase stage (610)

The buyer may check the product information through the product inquiry in the order settlement relay system 200, request a purchase (611), and proceed to transfer the product price to the account of the seller linked to the seller's phone number (612). In this case, the buyer may input the seller information (commodity price, seller phone number, seller name, etc.) that is the recipient of the transfer, and may request the goods payment transfer to the order settlement relay system 200 (613). Thus, the order settlement relay system 200 may check the account balance whether the withdrawal for the commodity price from the buyer's account is possible through the connection with the financial company server using the phone number-account number interworking information of the buyer (614). In addition, the order settlement relay system 200 checks the name of the seller account through linkage with the financial company server using the seller's phone number-account number linkage information and the phone number linked to the seller's account through linkage with the telephone company server. The name of the can be confirmed (615). At this time, the order settlement relay system 200 transfers the purchase price of the goods purchased directly from the buyer's account to the seller's account when the balance check procedure of the buyer's account and the verification of the name of the phone number linked to the seller's account are completed. The financial institution may request that the financial institution make a request (616). The order settlement relay system 200 transmits the purchase information (buyer information and purchase product information) according to the purchaser's purchase to the seller after the transfer is completed (617). The process ends (618).

product Delivery after payment  Processing Method (620)

When the purchaser's goods are delivered from the seller and received, that is, when the delivery of the goods is completed (621), the buyer may request for the payment of the goods to the seller's account linked to the seller's phone number (622). In this case, the buyer may input the seller information (commodity price, seller phone number, seller name, etc.), which is a transfer recipient, and request a product price transfer to the order payment relay system 200 (623). Accordingly, the order settlement relay system 200 may check the account balance whether the withdrawal for the commodity price is available from the buyer's account through the connection with the financial company server using the buyer's phone number-account number interworking information (624). In addition, the order settlement relay system 200 checks the name of the seller account through linkage with the financial company server using the seller's phone number-account number linkage information and the phone number linked to the seller's account through linkage with the telephone company server. The name of can be confirmed (625). At this time, the order settlement relay system 200 transfers the purchase price of the goods purchased directly from the buyer's account to the seller's account when the balance check procedure of the buyer's account and the verification of the name of the phone number linked to the seller's account are completed. In operation 626, the financial institution may request that the financial institution make the request. The order settlement relay system 200 transmits the direct deposit information according to the direct transfer from the buyer to the seller and ends the process of the order settlement service (627).

The order settlement relay system 200 described with reference to FIGS. 5 and 6 may settle a usage fee of an order settlement service for a seller. Since the seller pays the fee for using the order settlement service, it is possible to withdraw goods only from the buyer's account (including escrow and direct transfer). For example, the order settlement relay system 200 may apply a pre-deduction method in which a predetermined fee is first deducted from the price of the product withdrawn from the buyer account in conjunction with a financial institution server, and then the transfer fee is deducted to the seller account. Can be. As another example, the order settlement relay system 200 calculates a usage fee based on the number of transfers processed to a seller account in a predetermined period in association with a financial institution server, and then separately requests a seller for payment of the calculated usage fee. After that, the settlement method can be applied.

Therefore, the order settlement relay system of the present invention, when a buyer requests a product order by directly looking up the seller's product information, the order settlement service that processes the transfer from the buyer's account to the seller's account using an account linked to the telephone number. Can be provided.

As described above, according to embodiments of the present invention, a more convenient order payment service may be provided by matching a wired / wireless phone number of the same name with an account number established at a financial company and using the same for payment of a product order. According to embodiments of the present invention, the purchaser and the seller can simplify the transfer information between the buyer and the seller by using the information linked to the account number and the phone number of their own name. That is, the seller provides a mobile phone number or a store phone number when receiving a payment according to the goods sold, and the buyer may provide a convenience in a transfer transaction between the seller and the buyer by depositing using only the phone number.

Methods according to an embodiment of the present invention may be implemented in the form of program instructions that can be executed by various computer means and recorded in a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded on the medium may be those specially designed and constructed for the present invention or may be available to those skilled in the art of computer software. In addition, the above-described file system can be recorded in a computer-readable recording medium.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above embodiments, and those skilled in the art to which the present invention pertains various modifications and variations from such descriptions. This is possible.

Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the equivalents of the claims, as well as the claims.

200: order payment relay system
210: Information management unit
220: information provider
230: account verification department
240: transfer processing unit
250: certification unit
260: fee settlement

Claims (2)

In the order settlement relay method of the system for relaying the order settlement service of the goods,
Maintaining a financial account registered at a financial institution server according to a user's request by matching the telephone number of the user and registering product information related to a product sold by a seller;
Providing the product information according to the product inquiry request of the user;
When the user requests an order payment for the commodity information, checking whether or not it is possible to withdraw the commodity price from the financial account matched with the telephone number of the user by interworking with the financial company server; And
When the withdrawal corresponding to the product price is possible, real time authentication is performed to confirm personal identification information related to the financial account and personal identification information related to the phone number, and if the personal identification information is the same through the real time authentication, Withdrawing the product price from the financial account of the user through linkage with the financial company server and transfers it to the account associated with the seller
Including;
Registering the product information,
Register a payment method including an escrow method to the seller at the seller's request, or register the seller's financial account by matching the seller's phone number and transfer directly to the seller at the seller's request Register a form of payment, including a form of payment.
Transferring to an account associated with the seller,
When the user selects the payment method as the escrow method, withdraw the price of the product from the user's financial account and transfer it to a representative account associated with the order payment service, and then the user receives the product and confirms the purchase. At one point, the goods are transferred from the representative account to the financial account registered by the seller,
When the user selects the payment method as the direct transfer method, the personal identification information of the phone number matched to the financial account of the seller through interworking with a telephone company server at the time when the user requests the purchase of the product information. After confirming the transfer of the goods payment from the financial account of the user to the financial account of the seller, or when the user receives the product and confirms the purchase at the time of confirmation of the purchase of the merchant through the linkage with the telephone company server After confirming the personal identification information of the telephone number matched to the account transfer the goods price from the user's financial account to the seller's financial account
Order payment relay method characterized in that. The method of claim 1,
The order settlement relay method,
Calculating a usage fee related to the order payment service for the seller;
The step of calculating the usage fee,
Requesting the seller to pay the fee after calculating the fee based on the number of transfers processed to the account associated with the seller at regular intervals in connection with the financial company server;
Order payment relay method characterized in that.

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