KR20150120176A - System for providing payment service of order information - Google Patents

System for providing payment service of order information Download PDF

Info

Publication number
KR20150120176A
KR20150120176A KR1020140046080A KR20140046080A KR20150120176A KR 20150120176 A KR20150120176 A KR 20150120176A KR 1020140046080 A KR1020140046080 A KR 1020140046080A KR 20140046080 A KR20140046080 A KR 20140046080A KR 20150120176 A KR20150120176 A KR 20150120176A
Authority
KR
South Korea
Prior art keywords
payment
order
information
merchant
function
Prior art date
Application number
KR1020140046080A
Other languages
Korean (ko)
Inventor
제영주
Original Assignee
제영주
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 제영주 filed Critical 제영주
Priority to KR1020140046080A priority Critical patent/KR20150120176A/en
Publication of KR20150120176A publication Critical patent/KR20150120176A/en

Links

Images

Classifications

    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a settlement service providing system for order information, and more particularly, to a settlement service providing system for order information, more specifically, when a customer orders delivery and requests payment to an application operator server using a delivery application of a customer terminal, The merchant can directly receive the order using the merchant terminal installed in his or her business site, and can confirm the payment details of the order payment settled by his / her merchant information and provide the service to directly receive the payment , It is possible not only to realize an operating environment of a low cost structure application but also to minimize the cost burden of an affiliate shop and to settle directly with a VAN company server linked with a credit card company server through an affiliate terminal It is possible to remove the object, The VAN librarian uses the merchant information of the card issuer server to match and process the payment information, and the payment amount is remitted to the merchant directly from the card company server. Thus, settlement is not necessary separately, The card fee is also lower than the existing settlement service. By using the sales manpower, the call center personnel, and the information of the merchant information jointly through the cooperation of the application operator and the VAN company, it is possible to reduce the manpower of sales personnel and call center It is possible to reduce costs.

Description

[0001] System for providing payment service of order information [

When a customer requests a delivery order and payment to an application operator server using a delivery application of a customer terminal, it is possible to use a merchant terminal installed in the business site of the merchant rather than a method of payment transaction through the existing PG company It is possible to realize an operating environment of a low-cost structure application by directly accepting an order and providing a service that can confirm the payment details of an order payment settled with the information of the merchant's own and receive a payment directly, The franchisee can make the payment directly through the VAN company server linked to the card company server by utilizing the information of the franchise terminal, thereby reducing the work burden due to the settlement of funds and eliminating the possibility of a dispute, Using the merchant information transmitted from the application operator server VAN Sasubar will match and process the merchant information of the card company server and send the payment amount directly from the card company server to the merchant so that the payment date is fast as well as the settlement date and the card fee is also paid to the existing payment agent It is also cheaper. By using the sales manpower, call center personnel, and merchant information management jointly through application operator and VAN partnership, it is possible to reduce the manpower of sales personnel and call center as well as increase the number of merchants. And a service providing system.

Existing delivery application service providers have a clear profit model through advertisement and direct settlement. However, due to high commission fees due to the combination of the advertisement fee of the delivery application operator and the payment fee, And this high commission is reducing the margins of merchants, resulting in the deterioration of the quality of food or the price increase, and consumer complaints are increasing.

If you look at the receipt of merchant fees that combine advertising and payment in the services of the current delivery application, the advertising fee is prepaid, at a level of 30,000 to 50,000 won per month, the payment fee is postpay, It accounts for about 13% of the sales, and the PG commission is a fee paid to the PG company by the application operator as a franchisee of the PG company, processing the customer's payment, which is about 3.5%.

In addition, delivery application operators are exposed to high-cost business environments as they provide various services such as recruiting merchants and operating call centers in addition to operating application systems.

In addition, the settlement of funds also has a problem in that the deposit date of the funds is slow because the application operator deducts the settlement commission fee to the merchant after about one week to two weeks based on the transaction date.

Therefore, when a customer orders delivery and requests payment to an application operator server using a delivery application of the customer terminal, the merchant, rather than a method of payment transaction through the existing PG company, uses the merchant terminal installed in his / It is possible to confirm the settlement history of the order payment settled by the own merchant information and directly receive the settlement money so as to realize the operating environment of the application of low cost structure and to realize the cost of the merchant It is possible to minimize the burden and to match the merchant information of the card company server of the VAN librarian using the merchant information transmitted from the application server of the application server and to process the payment amount directly to the merchant directly from the card company server, No, of course, In addition, the card fee is lower than that of the existing payment agent, and since the application operator and the VAN company cooperate through the use of the sales personnel, the call center personnel, and the information of the merchant information jointly, it is possible to reduce the workforce and call center personnel Therefore, there is an urgent need to develop a settlement service providing system for order information capable of reducing costs.

KR 10-2007-0105533 (2007.10.19)

SUMMARY OF THE INVENTION Accordingly, the present invention has been made keeping in mind the above problems occurring in the prior art, and it is an object of the present invention to provide a method and system for providing payment orders The franchisee can directly receive the order using the franchisee terminal installed in his or her business site, and can confirm the payment details of the order franchise paid with his / her franchisee information and directly receive the payment, The present invention provides a settlement service providing system of order information capable of realizing an operating environment of a structured application and minimizing a cost burden of an affiliate shop.

Another object of the present invention is to provide a payment service for order information, which can reduce the work burden due to the settlement of funds and eliminate the possibility of a dispute by directly paying the merchant through the VAN company server linked to the card company server using the merchant information Providing system.

Another object of the present invention is to match merchandise information of a card issuer server of a VAN librarian using merchant information transmitted from an application operator server and process the payment, and to transfer the payment amount directly from the card issuer server to the merchant, The present invention also provides a system for providing settlement service of order information, which is quicker in depositing date of money as well as card fee, and is lower than existing settlement agency.

Another object of the present invention is to jointly utilize sales manpower, call center personnel, and merchant information management through cooperation between an application operator and a VAN company, thereby reducing the number of salespersons and personnel of sales personnel and call centers, A payment service providing system of the present invention.

In order to achieve the above object, according to a preferred embodiment of the present invention, a system for providing settlement service of order information includes a step of ordering a menu in a touch manner on an application installed in a customer terminal, inputting payment information, A customer terminal having a function of receiving order and settlement result information and scheduled delivery time information from an application operator server, and a function of receiving orders after confirming order and payment details in the merchant terminal; A function of requesting payment to the VAN server server for payment information including order information, merchant information, payment amount, and card information inputted on the application of the customer terminal after requesting order and settlement from the customer terminal, An application operator server having a function of transmitting order and payment result information and estimated delivery time information to the customer terminal after receiving the order and payment result details; A function of transmitting a payment request message from the server of the VAN company to the card company server after receiving a payment request from the application operator server, receiving a payment approval result from the card company server, A VAN server having a function of outputting a payment history and a payment history as a slip, a function of confirming an order and payment details received from an agent terminal, and receiving information of an order reception history and shipping schedule time information at an agent terminal; A credit card company having a function of receiving a payment request telegram from the VAN company server and a function of transmitting a payment approval result to the VAN company server; A function of receiving order and payment details from the VAN company server and outputting the order and payment details as a slip; confirming the order and payment details received from the VAN server and inputting the order reception date and time information, A merchant terminal having a function of confirming order and payment details at the merchant terminal and delivering the merchandise to the customer; .

In the present invention, the payment means may be any one of a credit card, a check card, a cash IC card, and an account transfer.

In the present invention, the VAN Saversaver may match and process merchant information of a card issuer server using merchant information transmitted from an application operator server, and transmit the payment amount to a merchant directly from a card issuer server .

In the present invention, the application provided and provided by the application operator server is for a consumer and an affiliate shop. The consumer has a merchant shop search function, a menu search function, an order and payment function, mileage management, And an information management function, and the merchant store includes a merchant store and menu registration management function, an order receiving function, a merchant store management function such as sales management, and a customer information management function such as a regular customer.

In the present invention, the merchant terminal may include an order function reception content having a function of outputting an order payment history of a customer and a function of inputting merchant confirmation information, and an order confirmation function having a function of notifying information that the merchant confirms receipt of order information And further includes transmission contents.

In the present invention, when the customer terminal orders a delivery order and requests payment to an application operator server using a delivery application, the merchant directly receives the order using the merchant terminal installed in his or her workplace, And a service for confirming the settlement history of the order payment settled by the merchant information and directly receiving the settlement money.

As described above, the payment service providing system of order information according to the present invention has the following effects.

First, when a customer places a delivery order and requests payment to an application operator server using a delivery application of a customer terminal, the payment method is not a payment transaction method using an existing PG company, but a merchant terminal installed in the business site It is possible to realize an operating environment of a low cost structure by providing a service that directly accepts an order and confirms the payment details of the order payment paid by the merchant information of the customer and directly receives the payment amount But it can minimize the cost burden of the merchant.

Second, the present invention can eliminate the possibility of a dispute due to the settlement of funds by directly paying the merchant through the VAN company server interlocked with the card company server through the merchant terminal.

Thirdly, according to the present invention, merchant information of a card issuer server that matches a merchant's server is processed using matching merchant information transmitted from an application operator server, and the payment amount is remitted to a merchant directly from a card issuer server, The deposit date of the fund is also fast, and the card fee is cheaper than the existing settlement agency.

Fourth, the present invention can reduce costs by reducing the number of sales personnel and call center personnel as well as expanding the number of franchisees by jointly using sales manpower, call center personnel, and merchant information management through cooperation between application operator and VAN company.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a diagram illustrating a payment service providing task according to an embodiment of a payment information service providing system according to an embodiment of the present invention. FIG.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, when it is determined that a detailed description of related art or configuration may unnecessarily obscure the gist of the present invention, The description will be omitted, and the terms described below are defined in consideration of the functions of the present invention, which may vary depending on the intention or custom of the user, the operator, and the like. Based on the contents of this specification.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a payment information service providing system according to a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a view for explaining a settlement service providing task according to a configuration of an order information settlement service providing system according to an embodiment of the present invention. Referring to FIG.

As shown in FIG. 1, the payment service providing system of order information according to the present invention includes a function of requesting a user to order and settle a payment request from a menu of an application installed in a customer terminal, A customer terminal 100 having a function of receiving order and settlement result information and scheduled delivery time information from an application operator server, and a function of confirming order and payment details at the merchant terminal and receiving delivery information; A function of requesting payment to the VAN server server for payment information including order information, merchant information, payment amount, and card information inputted on the application of the customer terminal after requesting order and settlement from the customer terminal, An application operator server 200 having a function of transmitting order and payment result information and estimated delivery time information to the customer terminal after receiving the order and payment result details; A function of transmitting a payment request message from the server of the VAN company to the card company server after receiving a payment request from the application operator server, receiving a payment approval result from the card company server, And a VAN server 300 having a function of confirming the order and payment details received from the merchant terminal and receiving the information of the order reception history and the estimated delivery time information at the merchant terminal, )Wow; A credit card server 400 having a function of receiving a payment request telegram from the VAN company server and a function of transmitting a payment approval result to the VAN company server; A function of receiving order and payment details from the VAN company server and outputting the order and payment details as a slip; confirming the order and payment details received from the VAN server and inputting the order reception date and time information, A merchant terminal 500 having a function of confirming order and payment details at the merchant terminal and delivering the merchandise to the customer; Respectively.

The function of each technical means constituting the settlement service providing system of order information according to the present invention will be described as follows.

The customer terminal 100 has a function of requesting an order and payment to the application server 200 by ordering a menu in a touch manner on an application installed in the customer terminal 100 and inputting payment information, 200 to receive the order and payment result information and the estimated delivery time information from the merchant terminal 500 and to receive the delivery after checking the order and payment details at the merchant terminal 500. In consideration of the convenience and accessibility of the user terminal 100, the user terminal 100 is most preferably a mobile phone, but a desktop computer, a tablet PC, and a notebook computer may also be used.

Also, when the customer terminal 100 requests the payment to the application operator server 200 using the delivery application, the merchant directly receives the order using the merchant terminal 500 installed in his / And to provide a service for confirming the payment details of the order payment settled with the information of the merchant's own shop and receiving the payment directly.

The application operator server 200 receives information required for payment including order information, merchant information, payment amount, and card information input from the application of the customer terminal 100 after receiving an order and payment request from the customer terminal 100 A function of requesting payment to the VAN company server 300 and a function of transmitting the order and payment result information and the estimated delivery time information to the customer terminal 100 after receiving the order and payment result details from the VAN company server 300 .

Here, the application provided and provided by the application operator server 200 is for a consumer and an affiliate shop. The consumer has a merchant shop search function, a menu search function, an order and payment function, mileage management, And includes a management function. The merchant store includes a merchant store and menu registration management function, an order receiving function, a merchant store management function such as sales management, and a customer information management function such as a regular customer.

The VAN company server 300 has a function of transmitting a payment request message from the VAN company server 300 to the card issuer server 400 after receiving a payment request from the application operator server 200, A function of receiving a full text of the approval result, a function of transmitting an order and payment details to the merchant terminal 500 and outputting the order and payment details as a slip, and an order and payment details received from the merchant terminal 500 And receives the information of the order reception details and the estimated delivery time information from the merchant terminal 500.

Here, the VAN company server 300 matches and processes the merchant information of the card issuer server 400 using the merchant information transmitted from the application operator server 200, and the payment amount is directly transferred from the card issuer server 400 to the merchant And transferring and processing them. Therefore, not only does settlement need to be settled, but also the deposit date of the fund is fast, and the card fee is also inexpensive compared to the existing settlement agency.

The credit card company server 400 has a function of receiving a payment request message from the VAN server 300 and a function of transmitting a payment approval result message to the VAN company server 300.

The franchisee terminal 500 has a function of receiving order and payment details from the VAN company server 300 and outputting the order and payment details as a slip, and checking the order and payment details received from the VAN company server 300 A function of transmitting the order reception history and the estimated time of delivery to the server 300 of the VAN company 300, and a function of checking the order and payment details at the merchant terminal 500 and delivering it to the customer. Here, the merchant terminal 500 may include an order function receiving content having a customer's order settlement history output function and a merchant store confirmation information input function, and an order confirmation transmission having a function of notifying the merchant of information confirming receipt of order information It also includes content.

The order detail notification between the VAN company server 300 and the merchant terminal 500 is automated and can be notified by using a telephone, a merchant application, a dedicated terminal for order delivery, or a program for a PC.

Further, the payment means includes any one of a credit card, a check card, a cash IC card, and an account transfer.

Therefore, the payment information service providing system of the order information of the present invention can utilize the VAN agency scattered throughout the country as an application operator, and can provide a low-cost structure service through cooperation with the VAN provider in the advertisement-dependent profit model It is necessary to switch to the introduction of a profit model of cheaper commission system, and it is possible to reduce the cost of operation of the customer center by reducing the management cost through the sharing of merchants with VAN and automatic processing of order information. In the aspect of VAN, The company will be able to acquire a new market by expanding its VAN franchise through partnerships with application operators. In addition, since VAN's agency can reduce the commission fee of online order transaction for merchants, it is possible to create a favorable business environment for recruiting merchants using the conditions of application affiliation. In terms of the merchant (delivery company) Cost reduction (PG commission is 3.5%, but credit card subscribers are less than 2% commission), and sales can be expanded through low-cost marketing channels.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention. It is not.

As described above, the settlement service providing system of order information according to the present invention is a system in which a seller can directly order and settle an order in an open market, In addition to the industry, it is possible to expand services to various open market sectors that can replace the settlement service of e-commerce through open market.

100: customer terminal 200: application operator server
300: VAN company server 400: card company server
500: Merchant terminal

Claims (6)

A settlement service providing system of order information,
A function of requesting an order and payment to an application operator server by ordering a menu in a touch manner on an application installed in a customer terminal by a customer and inputting payment information and receiving the order and payment result information and the scheduled delivery time information from the application operator server A customer terminal having a function of confirming order and payment details at the merchant terminal and receiving the delivery;
A function of requesting payment to the VAN server server for payment information including order information, merchant information, payment amount, and card information inputted on the application of the customer terminal after requesting order and settlement from the customer terminal, An application operator server having a function of transmitting order and payment result information and estimated delivery time information to the customer terminal after receiving the order and payment result details;
A function of transmitting a payment request message from the server of the VAN company to the card company server after receiving a payment request from the application operator server, receiving a payment approval result from the card company server, A VAN server having a function of outputting a payment history and a payment history as a slip, a function of confirming an order and payment details received from an agent terminal, and receiving information of an order reception history and shipping schedule time information at an agent terminal;
A credit card company having a function of receiving payment request telegram from the VAN company server and a function of transmitting a payment approval result to the VAN company server;
A function of receiving order and payment details from the VAN company server and outputting the order and payment details as a slip; confirming the order and payment details received from the VAN server and inputting the order reception date and time information, A merchant terminal having a function of confirming order and payment details at the merchant terminal and delivering the merchandise to the customer; Wherein the order information includes at least one of the following: The method according to claim 1,
Wherein the payment means includes any one of a credit card, a check card, a cash IC card, and an account transfer. The method according to claim 1,
Wherein the VAN librarian matches and processes the merchant information of the card issuer server using the merchant information transmitted from the application operator server and transmits the payment amount to the merchant directly from the card issuer server to process the payment information. Service delivery system. The method according to claim 1,
The application provided and provided by the application operator server includes a consumer and an affiliate shop. The consumer includes a merchant shop search function, a menu search function, an order and payment function, a mileage management, and a business information management function A merchant store management function such as a merchandise store management function, an order receiving function, a sales management function, and a customer information management function such as a regular customer. The method according to claim 1,
The merchant terminal further includes an order confirmation transmission content having a function of outputting an order payment history and a function of inputting a merchant confirmation information and a function of notifying information that the merchant confirms receipt of the order information Wherein the settlement service providing system comprises: The method according to claim 1,
When the customer terminal orders delivery and requests payment to the application operator server using the delivery application, the merchant directly receives the order using the merchant terminal installed in his or her business site, and simultaneously receives the order And providing a service capable of confirming payment details of the payment and directly receiving the payment amount.
KR1020140046080A 2014-04-17 2014-04-17 System for providing payment service of order information KR20150120176A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020140046080A KR20150120176A (en) 2014-04-17 2014-04-17 System for providing payment service of order information

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020140046080A KR20150120176A (en) 2014-04-17 2014-04-17 System for providing payment service of order information

Publications (1)

Publication Number Publication Date
KR20150120176A true KR20150120176A (en) 2015-10-27

Family

ID=54428479

Family Applications (1)

Application Number Title Priority Date Filing Date
KR1020140046080A KR20150120176A (en) 2014-04-17 2014-04-17 System for providing payment service of order information

Country Status (1)

Country Link
KR (1) KR20150120176A (en)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101972360B1 (en) 2017-10-31 2019-04-25 이석기 System and method for generating and transmitting delivery information based on order slip
CN110995445A (en) * 2019-12-04 2020-04-10 中国银联股份有限公司 Resource processing method, device, equipment and medium
WO2022215784A1 (en) * 2021-04-05 2022-10-13 쿠팡 주식회사 Information providing method and electronic device performing same

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101972360B1 (en) 2017-10-31 2019-04-25 이석기 System and method for generating and transmitting delivery information based on order slip
CN110995445A (en) * 2019-12-04 2020-04-10 中国银联股份有限公司 Resource processing method, device, equipment and medium
WO2022215784A1 (en) * 2021-04-05 2022-10-13 쿠팡 주식회사 Information providing method and electronic device performing same

Similar Documents

Publication Publication Date Title
US20140200980A1 (en) System and method for mediating transactions among a plurality of social commerce businesses
KR20170093859A (en) Transaction system and method
KR20150120176A (en) System for providing payment service of order information
KR20150120886A (en) E-commerce system and method for prepaying the price of goods before delivering goods to orderers
KR20150125760A (en) Payment processing system, device and method
US20190392516A1 (en) Systems and methods for providing a separate interest rate for an individual transaction
KR100960285B1 (en) International trade settlement system and method using credit card system by buyer bank
KR20070079126A (en) User direct payment system though network and method thereof
KR101870938B1 (en) Online shopping mall system for exlclusive use licensee
KR20150062190A (en) Realtime online order method
KR20200011316A (en) Payment apparatus and method
KR20150145460A (en) Method of relaying delivery order for allowing orderer to use mileage points thereof when paying at orderer's place with receiving ordered product
KR20150042385A (en) Pos system using the network features of samrtphone users order processing and payment methods
KR101244238B1 (en) The account inter-working system and method thereof
KR20210109096A (en) Method for automated payment and server providing the same
KR20160036408A (en) Method for providing card payment agent service for business operator have no shop and apparatus thereof
KR20140124914A (en) Method and apparatus for offering an instant discount of payment amount
KR20150019762A (en) Escrow System that supported Parital Payment between Buyers and Sellers on Online Marketplace
KR101646691B1 (en) Service system for oil purchase using credit fund and method for operating the same
KR20170119553A (en) Method for non-face-to-face payment using credit card
KR20230013361A (en) Method and system for processing support payment for food ordering using substitute payment application server
KR101518708B1 (en) Payment method and system for service order provide
KR20160056030A (en) Method for Service Payback Designated Discount Coupon of Event Promotion Commodity
KR20150093449A (en) System and method for refunding service of electronic commerce
KR20160091871A (en) Method for providing card payment agent service for business operator have no shop and apparatus thereof

Legal Events

Date Code Title Description
A201 Request for examination
E902 Notification of reason for refusal
E601 Decision to refuse application