KR20150112826A - The method and apparatus of settling an account - Google Patents

The method and apparatus of settling an account Download PDF

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Publication number
KR20150112826A
KR20150112826A KR1020150040314A KR20150040314A KR20150112826A KR 20150112826 A KR20150112826 A KR 20150112826A KR 1020150040314 A KR1020150040314 A KR 1020150040314A KR 20150040314 A KR20150040314 A KR 20150040314A KR 20150112826 A KR20150112826 A KR 20150112826A
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KR
South Korea
Prior art keywords
settlement
information
payment
server
code
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KR1020150040314A
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Korean (ko)
Inventor
양진호
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양진호
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Publication of KR20150112826A publication Critical patent/KR20150112826A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]

Abstract

The present invention relates to a settlement apparatus and method, and more particularly, a purchase and settlement process is performed through a process of separately separating a purchase process and a settlement process and confirming and approving the progress of the purchaser directly in each of the purchase process and the settlement process The payment is performed without providing the card and account number information to the seller. Even if the personal information such as the card and the account number is leaked, the payment can not be made without the approval of the buyer. Therefore, The present invention relates to a settlement apparatus and a method for significantly reducing settlement costs. To this end, the settlement device according to the present invention transmits settlement agency information to a seller server when a product is selected and purchased at an online shopping mall or an off-line merchant, and receives a unique number, A settlement information management unit for receiving the purchase history information or the identification code including the purchase history information or the identification code including information on the settlement means, If the result of the validation of the payment means in the payment agent server is valid, the validation verification code indicating that the payment can be approved for the transaction is received A settlement means management unit for making a settlement confirmation signal for confirming the final settlement, Characterized by a portion yirueojim payment request to be transmitted to the line server.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement apparatus and method,

The present invention relates to a settlement apparatus and method, and more particularly, a purchase and settlement process is performed through a process of separately separating a purchase process and a settlement process and confirming and approving the progress of the purchaser directly in each of the purchase process and the settlement process The payment is performed without providing the card and account number information to the seller. Even if the personal information such as the card and the account number is leaked, the payment can not be made without the approval of the buyer. Therefore, The present invention relates to a settlement apparatus and a method for significantly reducing settlement costs.

Generally, in a credit card payment in an offline store, a clerk located at a counter purchases a product to be purchased by a customer, and the credit card payment is approved by the credit card company, and the customer proceeds to the process of purchasing the product do. Also, the credit card payment for receiving the service (restaurant, coffee shop, etc.) desired by the customer is also completed by the credit card by the clerk located at the counter before and after using the service.

On the other hand, when a user purchases an item in an online environment, the user accesses the shopping mall site through the client terminal, searches for a product to be purchased, performs credit card settlement, and confirms the product purchase result through the client or the portable terminal.

However, in the case of such an on-line payment, the buyer transmits the payment card or account number to the seller or provides the payment card or the account number information such as the card number to the seller server, so that the seller or the third party There is a problem that the buyer's card information can be stolen.

In addition, since the settlement process after the purchase decision of the goods is made is performed by the business process between the seller and the settlement agency, there is a problem that the settlement is made without the confirmation process of the buyer.

Korean Patent Publication No. 10-2001-0098086

SUMMARY OF THE INVENTION The present invention has been made in view of the above problems, and it is an object of the present invention to provide a method and system for purchasing and payment, which separately separates a purchasing process and a payment process, The payment is carried out without providing the card and the account number information to the seller. Even if the personal information such as the card and the account number is leaked, the payment can not be made without the approval of the buyer. And to provide a settlement apparatus and a method for significantly reducing the hold.

According to another aspect of the present invention, there is provided a settlement apparatus for delivering settlement agency information to a seller server when a product is selected and purchased at an online shopping mall or an offline merchant, A settlement information management unit for receiving purchase history information or a recognition code including commodity information and an amount of money, and a payment information management unit for sending payment method information to be used for settlement from the recognition code to a settlement agency server, If the validation result is not valid, it indicates that the settlement process can not proceed any further, and the process is terminated. If the result of the validation of the payment means at the settlement agent server is valid, payment can be approved for the transaction A settlement unit management unit that receives the validation code that indicates the final settlement; And a payment request unit for transmitting the confirmation signal to the payment agency server.

According to another aspect of the present invention, there is provided a payment method, wherein when a user selects and purchases a product from an online shopping mall or an offline merchant, the payment agent server adds purchase information to the purchase history information from the seller server A second step of reading out the buyer information from the recognition code and transferring the purchase history information to the buyer terminal, and a second step of reading out the buyer information from the buyer terminal, A third step of receiving settlement means information; and the settlement agency server requests the financial institution server to verify the validity of the settlement means, which indicates whether or not price information included in the purchase history information is payable by the settlement means, And if the result of the validity verification is affirmative, the payment agent server A fifth step of issuing a validation code indicating that payment can be approved to the buyer terminal and transmitting the validation code to the purchaser terminal; and if the result of the validity verification is negative, the payment agent server transmits And a sixth step of, when the settlement proxy server receives the settlement confirmation signal for confirming final settlement from the buyer terminal, proceeding the settlement process using the validity verification code, do.

As described above, according to the settlement apparatus and method of the present invention, the purchasing process and the settlement process are separately separated, and the purchaser directly confirms and approves the progress status in each of the purchase process and the settlement process, The payment is performed without providing the card and the account number information to the seller. Even if the personal information such as the card and account number information is leaked, the payment is not made without the approval of the buyer, The effect of the present invention is remarkably reduced.

1 is a block diagram showing a schematic configuration of a payment system.
2 is a diagram illustrating a configuration of a purchaser terminal 100 according to an embodiment of the present invention.
3 is a diagram illustrating a configuration of a seller server 200 according to an embodiment of the present invention.
FIG. 4 is a diagram illustrating a configuration of a payment proxy server 300 according to an embodiment of the present invention.
5 is a flowchart showing each step of the settlement method according to an embodiment of the present invention.

The present invention will now be described in detail with reference to the accompanying drawings.

1 is a block diagram showing a schematic configuration of a payment system. The payment system includes a buyer terminal 100, a seller server 200, a payment agent server 300, a financial company server 400, etc., and these components are connected to each other through a network.

The purchaser terminal 100 is a device used by a user who intends to purchase goods or services according to the payment service according to the present invention, and is, for example, a PC, a PDA, a mobile phone, or the like. The purchaser terminal 100 that wishes to use the payment service according to the present invention must be provided with a program for using the payment service. A user who uses a payment service according to the present invention is a person who purchases an article or a service and is generally referred to as a purchaser for convenience of explanation.

The seller server 200 may be a server operated by a seller of goods or services, and the seller may be an online store that sells goods or services online or a force terminal of a store that sells goods or services offline.

The settlement proxy server 300 is a device that provides a service allowing a user having the buyer terminal 100 to make payment for a purchased item when the user wants to settle the goods or service. Examples of the payment means include a payment card and an account number, and the payment card is a credit card, a prepaid card, a traffic card, or a gift certificate.

The financial company server 400 is a device for performing verification or approval of a payment card or an account number in response to a payment verification or approval request from the payment agent server 300, and may be operated by a bank.

Referring to FIG. 1, a schematic operation of the settlement system will be described below. When a buyer having a buyer terminal 100 wants to purchase an item or a service, the seller server 200 sends purchase history information including a unique number (e.g., a franchise number) of the store, product information, 100).

2 is a diagram illustrating a configuration of a purchaser terminal 100 according to an embodiment of the present invention.

2, the purchaser terminal 100 includes a payment information management unit 110, a payment means management unit 120, and a payment request unit 130.

When the selection and purchase of goods are made at an online shopping mall or an offline merchant, the payment information management unit 110 delivers settlement agency information to the seller server 200. [ And also receives purchase history information or recognition code including the unique number of the store, product information, money, etc. from the payment agent server 300. The recognition code includes both one-dimensional or two-dimensional codes that may include information such as an RFID tag, a barcode, or a QR code.

The payment means management unit 120 transmits payment means information to be used for payment to the payment agent server 300. [ At this time, the payment means information is information on the payment card and the account number. Also, the payment means management unit 120 receives from the payment agent server 300 a result of the validity verification indicating whether or not the transmitted payment means information is effective in paying the price of the purchase detail information. As a result of the validity check, if the payment means is not valid, it is indicated that the payment process can not proceed any more, and the process is terminated. If the payment means is valid, the validity verification code is received. The validation code includes settlement proxy server and settlement information for the transaction.

The settlement requesting unit 130 transmits a settlement confirmation signal to the settlement agency server 300 and then the settlement agency server 300 completes the settlement through the process with the financial company server 400. [

As described above, the buyer terminal 100 receives the purchase history information from the payment agent server 300, confirms the purchase details of the purchaser, selects the payment agent server 300 to which the payment is to be made, and directly transmits the payment means information The settlement process is performed, and the validation verification code is received from the settlement proxy server 300, whereby the buyer can finally make a decision on settlement.

3 is a diagram illustrating a configuration of a seller server 200 according to an embodiment of the present invention.

3, the seller server 200 includes a transmitting / receiving unit 210, a recognition code generating unit 220, and a settlement unit 230.

The transceiver 210 receives settlement agency information from the buyer terminal 100 when a buyer selects and purchases goods from an online shopping mall or an off-line merchant.

The recognition code generation unit 220 generates a recognition code to which the buyer information is added to the purchase history information and transmits the recognition code to the payment agency server 300. The recognition code includes both one-dimensional or two-dimensional codes that may include information such as an RFID tag, a barcode, or a QR code.

The settlement unit 230 receives a validation code for the transaction from the settlement proxy server 300. Since the validation code is a code indicating that settlement can be approved for the transaction, the validation code can be used to claim the amount using the code. Accordingly, the settlement unit 230 requests the settlement proxy server 300 that made the payment using the validation verification code for the transaction, and receives the payment.

FIG. 4 is a diagram illustrating a configuration of a payment proxy server 300 according to an embodiment of the present invention.

4, the payment proxy server 300 includes a payment information processor 310, a payment verification processor 320, a verification code issuing unit 330, and a payment performing unit 340.

The payment information processing unit 310 receives the recognition code received from the seller server 200, reads the buyer information from the recognition code, and transmits the purchase history information to the buyer terminal.

The payment verification processing unit 320 receives the payment means information from the buyer terminal 100. [ Then, the payment verification processing unit 320 requests the financial company server 400 to verify the validity of the payment means with respect to the price information included in the recognition code, and receives the result.

If the validity verification result received by the payment verification processing unit 320 is affirmative, the verification code issuing unit 330 issues a validation verification code to the purchaser terminal 100, and if the validation verification result is negative, Transmits the disallowed information and ends the settlement process.

Upon receiving the settlement confirmation signal from the buyer terminal 100, the payment performing unit 340 requests the financial company server 400 for the payment amount using the validity verification code. In addition, a validation code is transmitted to the seller server 200 to enable billing for the transaction.

5 is a flowchart showing each step of the settlement method according to an embodiment of the present invention.

The purchaser selects and purchases the product from the online shopping mall or offline merchant (step 1).

The payment information management unit 110 of the buyer terminal 100 delivers the settlement agency information to the seller server 200 (step 2).

The transceiver 210 of the seller server 200 receives settlement agency information from the buyer terminal 100 and the recognition code generator 220 generates a recognition code to which the buyer information is added in the purchase history information, To the server 300 (step 3). The recognition code includes both one-dimensional or two-dimensional codes that may include information such as an RFID tag, a barcode, or a QR code.

The payment information processing unit 310 of the payment agent server 300 receives the recognition code received from the seller server 200, reads the buyer information from the recognition code, and transmits the purchase history information to the buyer terminal ).

The payment means management unit 120 of the purchaser terminal 100 transmits the payment means information to be used for payment to the payment agent server 300 (Step 5). At this time, the payment means information is information on the payment card and the account number.

The payment verification processing unit 320 of the payment proxy server 300 receives the payment means information from the purchaser terminal 100 and requests the financial server 400 to verify the validity of the payment means with respect to the price information included in the recognition code (Step 6), and receives the result (step 7). If the validation result is affirmative, the validation code issuing unit 330 issues a validation code to the purchaser terminal 100, and if the validation result is negative, the validation code issuing unit 330 transmits the commodity purchase disallowance information. At this time, the payment means information is information about the payment card for financial settlement and the financial account.

The payment method management unit 120 of the purchaser terminal 100 receives from the payment proxy server 300 a result of the validity verification indicating whether or not the transmitted payment means information is valid for payment of the purchase history information Step 8). As a result of the validity check, if the payment means is not valid, it is indicated that the payment process can not proceed any more, and the process is terminated. If the payment means is valid, the validity verification code is received. The validation code includes settlement proxy server and settlement information for the transaction.

The payment request unit 130 of the purchaser terminal 100 transmits a payment confirmation signal to the payment agent server 300 (step 9).

Upon receiving the payment confirmation signal from the purchaser terminal 100, the payment performing unit 340 of the payment proxy server 300 requests the financial company server 400 for the payment amount using the validity verification code. In addition, a validation code is transmitted to the seller server 200 to enable billing for the transaction (step 10).

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, You will understand. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

100: a purchaser terminal 110: a payment information management unit
120: payment means management unit 130:
200: Seller's server 210: Transmitting /
220: recognition code generation unit 230:
300: settlement agency server 310: settlement information processor
320: Payment verification processing unit 330: Verification code issuing unit
340: payment performing unit 400: financial company server

Claims (6)

When the selection and purchase of goods are performed at an online shopping mall or an offline merchant, the payment agency server receives a recognition code to which the purchaser information is added to the purchase history information from the seller server;
The settlement proxy server reading the buyer information from the recognition code and transmitting the purchase history information to the buyer terminal;
The settlement proxy server comprising: a third step of receiving settlement means information for use in settlement from the buyer terminal;
A fourth step of requesting the financial institution server to verify the validity of the payment means, which indicates whether the payment information included in the purchase history information is payable by the payment means, and receiving the result;
If the result of the validity verification is affirmative, the payment agent server issues a validation verification code indicating that payment can be approved for the transaction and transmits the validation verification code to the purchaser terminal;
If the result of the validity verification is negative, the payment agent server transmits the goods purchase disallowance information to the buyer terminal;
Wherein the settlement proxy server comprises a seventh step of performing a settlement process using the validity verification code upon receipt of a settlement confirmation signal for confirming final settlement from the buyer terminal. The method according to claim 1,
Wherein the recognition code is a one-dimensional or two-dimensional code that can include information such as a unique number of a store, product information, and amount of money, such as an RFID tag, a barcode or a QR code. The method according to claim 1,
Wherein the payment means information is information on a payment card for financial settlement and information on a financial account. A payment information processing unit for receiving a recognition code in which buyer information is added to the purchase history information from the seller server, reading the buyer information from the recognition code, and transmitting the purchase history information to the buyer terminal,
A payment verification processing unit that receives payment means information from the purchaser terminal, requests the financial institution server to verify the validity of the payment means that indicates whether or not the price information included in the recognition code can be paid by the payment means,
A validation code issuing unit for issuing a validation verification code to the purchaser terminal and transmitting the validation information if the validation result received from the payment verification processing unit is positive;
And a settlement execution unit for receiving the settlement confirmation signal from the buyer terminal and requesting the financial company server for the settlement amount using the validation verification code and for transmitting the validation code to the seller server to enable billing for the transaction Features billing agency server. 5. The method of claim 4,
Wherein the recognition code is a one-dimensional or two-dimensional code that can include information such as an RFID tag, a barcode, or a QR code. 5. The method of claim 4,
Wherein the payment means information is information on a payment card for financial settlement and information on a financial account.

KR1020150040314A 2014-03-27 2015-03-23 The method and apparatus of settling an account KR20150112826A (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR1020140036109 2014-03-27
KR20140036109 2014-03-27

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111415154A (en) * 2020-03-17 2020-07-14 杰瑞石油天然气工程有限公司 Method for realizing company-level gas station account management by block chain technology
KR20210007155A (en) * 2019-07-10 2021-01-20 엔에이치엔페이코 주식회사 Network server to manage user subscription and method of operating thereof

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20210007155A (en) * 2019-07-10 2021-01-20 엔에이치엔페이코 주식회사 Network server to manage user subscription and method of operating thereof
CN111415154A (en) * 2020-03-17 2020-07-14 杰瑞石油天然气工程有限公司 Method for realizing company-level gas station account management by block chain technology
CN111415154B (en) * 2020-03-17 2023-07-14 杰瑞石油天然气工程有限公司 Method for realizing accounting management of company-level gas station by using blockchain technology

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