KR20150129956A - Payment method using messenger and payment server using the same - Google Patents

Abstract

The present invention relates to a payment method using a messenger and provides an electronic commerce payment processing method, comprising the steps of: putting an SNS payment module to a messenger program; and processing payment using a preapproved payment number which can be validly used during a regular period via communications between the SNS payment module and a payment server. The electronic commerce payment processing method according to the present invention enables a user to use an electronic shopping mall by updating a previously installed messenger without downloading other special mobile phone application for payment in the electronic shopping mall and to conveniently perform the payment because inputting a card number and a mobile phone number for the payment is unnecessary after the initial one time registration.

Description

TECHNICAL FIELD [0001] The present invention relates to a payment method using a messenger and a payment server for performing the payment method using the messenger.

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a payment method using a messenger, and more particularly, to a payment method using a messenger and a payment server for performing the payment by using a messenger to easily settle a credit card micropayment without downloading a separate program.

As Internet shopping malls become more popular, various payment methods have been proposed to provide easy settlement. Typical payment methods include real-time account transfer, credit card payment, and mobile phone payment. Among them, credit card payment is classified according to whether credit card number is entered each time payment is made. A second method such as a paypin service and a smile pay which processes a first method (secure settlement) and a simple password input after one input at the time of subscription is used.

The Smile Pay service is a payment method operated by some shopping malls such as Auction (www.auction.co.kr) and Gmarket (www.gmarket.co.kr). The first payment information is input to the corresponding shopping mall , A mobile phone authentication number, or a billing password. First, a procedure for registering a user for the first time in order to use the smile pay method will be briefly described. If the user wishes to use the smart pay payment method, he / she should input the card company, card number, card password part (may require valid period), CVC number, etc., Receive. In the case of a simple settlement ID, it is not necessarily the information necessary for settlement, but it is for convenience of use in the future, so it may not receive the input. After completing the user authentication through the mobile phone authentication procedure, the procedure for using the smile pay method is completed. If the user selects the smile page after registering the smile pay service, the user is authenticated through the mobile phone authentication and payment is made.

Since the smart pay method is a service provided in the Internet shopping mall, the customer information such as the user's credit card number must be registered in each internet shopping mall, so that the risk of exposing the customer information including the credit card number increases, There is a risk that customer information will be exposed. Of course, in Korea, Auction (www.auction.co.kr) and Gmarket (www.gmarket.co.kr) are operated by the same business entity, so that information registered by one shopping mall customer can be mutually shared So that there is no inconvenience that the user has to register for each shopping mall. The legitimate user authentication follows the mobile phone authentication procedure or uses the payment password method. In the case of the mobile phone authentication procedure, since the character usage fee is incurred because the character is used, the user or the shopping mall should bear the cost, Passwords should be kept on the server that authenticates them, but this also increases the likelihood of exposing security issues. The biggest inconvenience of the smart pay method is that users must register customer information such as card information in each shopping mall.

Next, the paypin service will be described. Paypin service is an example of a payment method using an electronic wallet provided by SK Planet Co., Ltd. As a payment method, after inputting payment information for the first time in paypin App, It is a simple payment service that makes payments securely. First, a brief description of how to use the paypin service will be provided. Install the Paypin app (mobile phone application) on your mobile phone (Step 1). After running the Paypin app, accept the terms, enter the user information, and authenticate the user with the mobile phone authentication (Step 2). Then, set a password for using the Paypin app (Step 3). Next, a payment means for payment through a paypin is input (Step 4). Payment methods include credit card, bank account transfer, and mobile payment. If you choose to register a credit card, enter your card company, card number, card expiration date (you may be asked for your password), and CVC number (Step 5). After the user authentication is performed through the mobile phone authentication, the mobile phone is ready for use (Step 6). When the user uses two or more mobile phones to utilize the paypin service, a main payment control designation step for designating a mobile phone to be used as a main payment may be additionally provided. Then, after selecting an item to be purchased at an Internet shopping mall (for example, 11th street (www.11st.co.kr) at the Internet shopping mall), if the paypin payment is selected as a payment means, the shopping mall calls the registered paypin app Then, after inputting the password inputted in Step 3 to the user, if it is a normal password, 'temporarily available pin number' is generated and displayed using the PayPin application (Step 7). When the user inputs the displayed 'temporarily available pin number' into the corresponding Internet shopping mall, the payment of the card is completed.

Unlike the Smile Pay method, the PayPin method is not dependent on a specific Internet shopping mall, so it can be used as a payment method in various Internet shopping malls by one registration. However, there is a risk of exposing information that requires downloading a separate mobile app (also referred to as a "mobile phone app"), inputting card information to the mobile app, and calling the corresponding mobile app (Paypin app) It is necessary to store the identifier of the corresponding mobile app, so there is a risk of information disclosure. In other words, the subject that operates the Paypin app is not a card company or a bank, but rather an entity that operates an Internet shopping mall or operates a separate paypin (SK Planet).

Patent Document 1: Korean Patent Registration No. 10-1192826 (Registered on October 12, 2012)

Disclosure of Invention Technical Problem [8] Accordingly, the present invention has been made to solve the above problems, and it is an object of the present invention to provide a settlement service which is not dependent on a specific shopping mall and can be commonly used in various shopping malls, And to provide a payment method using a messenger that can be used.

In addition, the payment method of the present invention provides a payment method using a messenger installed in a user system, thereby making it possible to settle a payment without downloading a separate mobile phone application from a user's point of view. In particular, The present invention also provides a payment method using a messenger that can prevent a user from being exposed.

According to an aspect of the present invention, there is provided an electronic commerce shopping mall system for selling a plurality of articles through a communication network including an Internet network or a mobile communication network, a user system for browsing a plurality of articles, And a payment server for making a payment for an article purchased by the user system, wherein the user system comprises a messenger program for transmitting a 1: 1 conversation message between a plurality of users to a storage device, Wherein the program is provided with an SNS settlement module for performing settlement while communicating with the settlement server via the communication network, wherein the settlement server of the electronic commerce system processes settlement, Lt; RTI ID = 0.0 > A first step of preregistering a user identifier for distinguishing the user system from another user system using at least one identifier selected from among the messenger identifier of the user, the hardware identifier of the user system, and the software identifier; , When a payment number is requested from the SNS payment module of the user system, the user system is authenticated using the user identifier of the user system stored in the first step, A second step of transmitting the winning number to the SNS payment module by matching the payment number to be paid using the payment means when payment is requested in the future using the winning number, From the shopping mall system, The e-commerce shopping mall system, and the e-commerce shopping mall system, and transmits the authentication result to the e-commerce shopping mall system, A third step of receiving settlement information including an electronic commerce shopping mall identifier for identifying the settlement means, and a third step of specifying the settlement means using the winning settlement number received in the third step, And a fourth step of processing the payment by the payment means and transmitting the payment processing result to the user system by using the messenger. The payment server of the electronic commerce system can be accomplished by a method of processing payment.

The present invention has the advantage of minimizing information leakage compared to the prior art. In the case of the smartpay method, the information including the customer's credit card information is input in the shopping mall providing the information. In the case of the paypin method, the credit card information is input to the customer's smartphone (or mobile phone) The credit card information must be entered into the provider server (the server of the SKK Flatin Co., Ltd.). That is, since the user's credit card information is inputted or stored by a third party other than the credit card company, it has a problem in that it is vulnerable to security maintenance. On the other hand, the settlement method of the present invention is advantageous for information security maintenance by storing credit card information of a user only in a card company server and not entering or storing settlement related information in a system operated by a third party including an e-commerce shopping mall .

The conventional payment method is a method of notifying user authentication or payment completion, and mainly uses a mobile phone text notification method. However, since the text notification system is a notification system in which costs are incurred, there arises a problem of who pays the corresponding charges. For example, assuming that a fee of 20 won per text notification is charged, in order to process a single purchase, it is necessary to notify that user authentication and settlement have been normally performed, so that two text notifications are generated, resulting in a total cost of 40 won. Assuming that about two purchases occur per month per user, there will be a cost of 40 won * 12 = 480 won to process a single user's payment in a year. Such letter notification costs are borne by a shopping mall operator, a user, a communication company, or a credit card company according to the agreement, and there is a problem that the net profit of a business operator who is burdened is reduced accordingly. However, since the present invention uses a messenger which is operated free of charge, there is an advantage that a separate notification fee for payment processing does not occur. Further, in order to apply the present invention, since the server stores a messenger identifier of the corresponding customer (normally, the 'login ID' of the messenger will be used), it can promote the card benefits using the stored messenger identifier. There is an advantage in that PR cost can be reduced as compared with the case of promoting.

For users, it is possible to use the update of the already installed messenger without downloading a separate mobile phone app for payment when using the electronic shopping mall. Since it is not necessary to input the card number and the mobile phone number for payment after the first registration, There is an advantage to proceed.

The payment method using the messenger according to the present invention is a method of giving a pre-approved payment number that can be used before specifying an article to be purchased, so that a person who purchases the article and a person who makes a payment can be separated. That is, after a person A purchases an item, the person B sends a pre-approval number to the person B using the messenger of the person B, and then transmits the pre-approval number to the person A, so that the person A can purchase the item using the pre-approval number.

When the payment method using the messenger according to the present invention is used, the entire payment information is not exposed to the user system even when the means for payment is designated. For example, if a user wishes to use a credit card in a payment method using a messenger, the user only provides a part of the card number held by the card server company and selects the card number. Therefore, when the entire card number is exposed Is not generated at any stage.

1 is an overall system configuration diagram illustrating a payment method using a messenger according to the present invention.
FIG. 2 is a flowchart showing a flow of initial registration of a messenger settlement according to an embodiment of the present invention; FIG.
3 is a flowchart illustrating a flow of messenger settlement according to an embodiment of the present invention.
4 is a flowchart illustrating a flow of messenger settlement according to an embodiment of the present invention.
5 is a flowchart illustrating a flow of messenger settlement according to an embodiment of the present invention.

While the invention is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail.

It is to be understood that the present invention is not intended to be limited to the specific embodiments but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the present invention.

1 is an overall system configuration diagram for performing a payment method using a messenger according to the present invention. In order to use a payment method using a messenger, a card company server 300 connected to a communication network 500 including an Internet network or a mobile communication network, a user system 100, a messenger provider server 200 and an electronic commerce shopping mall system 400 )need. A payment server including an electronic commerce shopping mall system 400 for selling a large number of goods through the communication network 500 and a card issuer server 300 for processing settlement through the communication network 500, A system constituted by a user system 100 connected to the system 400 for searching for a plurality of articles and purchasing the articles is referred to as an electronic commerce system. The card issuer server 300 is a server operated by a credit card company. The card issuer server 300 generates and provides a one-time password to a user at the time of a payment request of a user, and provides an input / output device for storing an identifier of each user's mobile messenger, to be. The user system 100 includes a mobile phone or a personal computer having an input / output device and a storage device, and capable of being connected to a card company server and an e-commerce shopping mall system through an Internet network or a mobile communication network and having an executable messenger do. An executable messenger program having an SNS payment module 110 is provided in the memory of the user system 100. [

A messenger service is a type of social network service that enhances the social networking relationship with friends, juniors, and colleagues on the web or mobile, and builds a new network and forms a wide range of human networks. : 1 It is a service that provides conversation or multi-party conversation. A messenger can be a one-person, one-person community that can share personal information on the Internet or a mobile communication network and help communicate. Examples of typical messengers include NateOn, Line, Kakao Tok, and Chat On.

The SNS settlement module 110 according to the present invention includes a software module 100 added to perform settlement according to the present invention in a normal messenger program for sharing personal information on the Internet or a mobile communication network, to be. Since the SNS payment module 110 is added in a module form to a program providing the instant messenger, the user system using the instant messenger can be easily installed through an update without downloading it as a separate application program or a computer program.

The messenger provider server 200 is a server that provides a conversation service by connecting users, and is a computer having a general input / output device and a storage device. The e-commerce shopping mall system 400 is a system for operating a site for providing electronic commerce to a user, and is composed of a computer having a general input / output device and a storage device.

First, a method of newly registering SNS settlement through an e-commerce site will be described. FIG. 2 is a flowchart illustrating a flow of initial registration of an SNS settlement according to an embodiment of the present invention. The user selects an item to be purchased through the e-commerce shopping mall system 400 and proceeds to the payment step, the e-commerce shopping mall system 400 inquires the user about which payment method is to be selected and proceeding with payment (ST21 ). For example, it suggests various payment methods including 'credit card payment', 'account transfer', 'mobile phone payment', 'Smile Pay' or 'SNS payment'. When the user designates the 'SNS payment' method (ST23), the e-commerce shopping mall system 400 presents a method and a usage method of 'SNS payment' by using a pop-up window or the like (ST25). In the subsequent step, in the case of newly registering 'SNS settlement', a new user is registered through a communication connection between the user system 100 and the card issuer server 300 without being connected to the electronic commerce shopping mall system 400. The user activates the messenger program according to the guidance of step ST25 and clicks the SNS payment module 110 provided in the payment module (hereinafter referred to as 'SNS payment module') included in the messenger program according to the present invention on a module basis And executes a new registration menu. When the new registration menu is executed, the SNS payment module allows the user to select the card company and allows the user to input user information (e.g., 'resident registration number back seat', 'mobile phone number' and / or 'card information part' , ST27). The SNS payment module accesses the server of the credit card company entered by the user and then inputs the inputted user information and an identifier of the messenger program of the user (generally, the 'login ID' of the messenger can be used) And transmits the hardware identifier and / or the software identifier of the user system 100 to the corresponding card company server (ST31). Here, transmitting the hardware and / or software identifiers of the user system 100 together is for preventing use by a system (computer or mobile phone) other than the user system for which 'SNS payment' is applied in order to enhance security. Accordingly, when the user changes the user system or changes the operating program, the user must change the user system registered in the card company server separately.

Then, the card issuer server 300 provides the card information held by the user using the inputted user information (ST33). Of course, it is possible to distinguish the card information provided in step ST33 from the card in which the user selects the SNS payment registration. Therefore, at this time, the user's possessed card information provided by the card issuer server 300, You only need to provide a minimum amount of information. For example, it would be sufficient to show only the two-digit number in front of the card number or to present the card type. If the user designates one of the plurality of cards presented by the card issuer server 300 (ST35), the card issuer server 300 performs the user authentication procedure (ST37, ST38) And registers it as a payer (ST41). In this case, the user may designate two or more cards at step ST35, and may designate a card alias so that the user can identify each card. In addition, the card alias designated in step ST35 is stored in the SNS payment module 110 for use in future SNS settlement. When two or more cards are designated, the user is asked to determine which card to use for settlement in SNS settlement, or the user requests settlement in a state designated by the card alias in advance. In step ST41, the card company server generates a user identifier for distinguishing the user system from another user system using at least one identifier selected from the messenger identifier of the user, the hardware identifier of the user system, and the software identifier, A payment card and a user identifier designated by the user are stored in a user authentication DB system or the like. Here, the hardware identifier means a unique identifier of a hardware device constituting the user system, and the software identifier means an identifier for identifying software stored in a memory (storage device) of the user system. Thereafter, the card issuer server 300 notifies the SNS payment module of the user system 100 that the SNS payment registration is completed.

The SNS payment module 110 must previously store information for accessing the card company in step ST31 (for example, URL (Uniform Resource Location) information for performing a new registration of the SNS payment module of the card company) The card alias specified by the user must be stored. In order to smoothly process the step ST31, the SNS payment module 110 must transmit the messenger identifier of the user received from the user or extracted from the user system to the card issuer server 300, and the user system 100 And / or software identifiers of the card issuer 300 and transmits the extracted hardware and / or software identifiers to the card issuer server 300.

Next, a flow of performing a payment method using a messenger according to the present invention will be described. 3 is a flowchart illustrating a flow of performing an SNS settlement according to an embodiment of the present invention. When the user selects the SNS payment method in the e-commerce shopping mall system 400 (ST10), the e-commerce shopping mall system 400 provides an SNS payment window for receiving the winning number input (ST20) . When the user executes the messenger program and executes the SNS payment module (ST22), the SNS payment module requests the card issuer server for the winning number for payment (ST30). In order to further secure the security, a password for accessing the SNS payment module 110 may be set. These passwords are for accessing the SNS payment module 110 as a password separate from the login password required for the user to log in to the messenger. Of course, if there are a plurality of card companies registered in the SNS payment module before step ST30, or if there are a plurality of cards registered in the same card company, the user needs a pre-selection process for specifying a card company and a card that desire payment using the card alias . The SNS payment module 110 installed in the user system 100 in step ST30 accesses the card issuer server 300 selected by the user using the card issuance connection information and stores the messenger identifier of the stored or extracted user, And / or a software identifier to request a winning payment number.

The card issuer server 300 generates a user identifier for distinguishing the user system from other user systems from at least one identifier selected from a user's messenger identifier, a hardware identifier, and a software identifier input in step ST30, Authenticates whether the user is a legitimate user through the authentication DB, generates a winning payment number if it is a legitimate user, and transmits it to the SNS payment module 110 of the user system 100. At this time, the card issuer server matches the winning payment number generated by the user with the winning payment number generated during the predetermined period, and if payment is requested using the winning number, the payment processing is performed by the matching payment means. As used herein, the 'winning payment number' is a serial number, which is a number for identifying the payment method specified by the user for payment. In other words, if the winning number is input to the card issuer server 300 within a predetermined time, it is possible to specify which card should be used for payment using only the winning number. The winning payment number is a number used for a one-time authentication generated using a user's messenger identifier, at least one user identifier selected from a hardware identifier and a software identifier, and a time requested to generate a winning payment number as a variable. In the present invention, instead of providing a hardware terminal for generating a separate OTP number to the user, the card company server 300 generates a unique key of the user using at least one selected from a user's messenger identifier, a hardware identifier, and a software identifier And generates a winning number by using the inherent key and provides it to the SNS payment module 110 of the user system 10.

The user inputs the winning payment number provided by the card issuer server 300 into the input window of the electronic commerce shopping mall system 400 (ST50). The e-commerce shopping mall system 400 requests settlement while transmitting the payment information including the winning settlement number, the payment amount, and the electronic commerce shopping mall identifier (merchant number) received from the user to the card company server 300 (ST60). The card issuer server 300 checks the validity of the winning payment number (ST70), completes the payment process (ST80) with the specified payment means using the winning number as the key, And notifies the e-commerce shopping mall system 400 that the payment is completed (ST90). The settlement processing in step ST80 is not so different from the case in which the card settlement is performed in the normal electronic commerce shopping mall system 400. [ For example, the credit limit is checked using the payment amount transmitted from the shopping mall system 400, the credit limit is subtracted, and the payment is approved.

Next, the user system 100 is informed that the settlement has been completed, which may be performed by the electronic commerce shopping mall system 400 or may be performed by the credit card company server 300. [ The embodiment of FIG. 3 illustrates a flow of notifying the completion of payment from the card company server 300 to the SNS through the messenger provider server 200 (ST100, ST110).

The SNS settlement processing flow according to the above-described FIG. 3 can be variously modified when the data processing flow is modified, and some modifications will be described.

FIG. 4 illustrates a flow of processing a request for a pre-emptive number and providing it through the messenger provider server 200. FIG. When the user selects the SNS payment method in the e-commerce shopping mall system 400 (ST10), the e-commerce shopping mall system 400 provides an SNS payment window for receiving the winning payment number (ST20) I will show you how. When the user executes the messenger program and executes the SNS payment module (ST22), the SNS payment module 110 requests the messenger provider server 200 for the winning payment number (ST31 ). The messenger provider server 200 requests the card issuer server 300 for a winning payment number for settlement in response to the request (ST33). Of course, if there are a plurality of card companies registered in the SNS payment module before step ST31, or if a single card is registered in a single card company, the user needs a pre-selection process to specify a card company and a card to be paid out Do. In step ST31, the SNS payment module 110 installed in the user system 100 requests the pre-emptive payment number while transmitting the stored IM user identifier and the extracted hardware and / or software identifier. The card issuer server 300 authenticates the user's messenger identifier and the hardware and / or software identifier input in step ST33 through the user authentication DB to determine whether or not the user is a legitimate user, generates a winning payment number if the user is a legitimate user And transmits it to the SNS payment module 110 of the user system 100 (ST43) through the messenger provider server 200 (ST41). The subsequent steps proceed according to the flow shown in FIG.

FIG. 5 is a modification of the settlement flow shown in FIG. 3, in which a settlement session is opened for a predetermined time using a winning settlement number to process a settlement, and the settlement result is transmitted to the user system 100 through the e-commerce shopping mall system 400 ) In accordance with the present invention. When the user selects the SNS payment method in the e-commerce shopping mall system 400 (ST10), the e-commerce shopping mall system 400 provides an SNS payment window for receiving the winning payment number (ST20) I will show you how. When the user executes the messenger program and executes the SNS payment module (ST22), the SNS payment module 110 requests the card issuer server 300 for a winning payment number for settlement (ST30). Of course, in the case where there are a plurality of card companies registered in the SNS payment module before the step ST30, or even if a single card is lost, a pre-selection process is required in which the user specifies a card company and a card for which payment is desired . In step ST30, the SNS payment module 110 installed in the user system 100 accesses the card issuer server 300 selected by the user using the corresponding card company connection information, and stores the messenger identifier of the stored or extracted user, And / or a software identifier to request a winning payment number.

The card issuer server 300 authenticates whether the user's messenger identifier and hardware and / or software identifier input in step ST30 are a legitimate user through the user authentication DB, generates a winning payment number if the user is a legitimate user And transmits it to the SNS payment module 110 of the user system 100 (ST43) through the messenger provider server 200 (ST41). It is a matter of course that steps ST41 and ST43 may be performed in step ST40 shown in FIG.

The user inputs the winning payment number provided by the card issuer server 300 into the input window of the electronic commerce shopping mall system 400 (ST50). The e-commerce shopping mall system 400 transmits the winning payment number received from the user to the card issuing server 300 (ST61). The card issuer server 300 checks the validity of the winning payment number (ST71), specifies the payment means, and opens a payment session. The card issuer server 300 notifies the e-commerce shopping mall system 400 of approval of the winning payment number (ST81), and the e-commerce shopping mall system 400 sends the payment information including the payment amount and the electronic commerce shopping mall identifier (merchant number) And sends a payment request to the card issuer server 300 (ST63). The card issuer server 300 completes the settlement processing (ST80), terminates the settlement session, and notifies the e-commerce shopping mall system 400 that the settlement is completed (ST83). Next, the e-commerce shopping mall system 400 notifies the user system 100 of the completion of settlement (ST101).

6 is a view briefly showing a settlement processing flow of the present invention based on a transaction screen provided in an electronic commerce shopping mall. When the user selects a product to be purchased while shopping at the e-commerce shopping mall (ST300), a payment method is designated from the user system (ST310), and an SNS payment window (ST20) for receiving a winning payment number is provided. Between step ST310 and step ST20, it is of course possible to add a payment method subdivision designation step (ST320) for specifying a specific payment mode of the designated payment method. After activating the messenger, the user requests the winning payment number to the credit card company server (ST30 or ST31), receives the winning payment number from the credit card company server (ST40 or ST43), and inputs the winning winning payment number to the SNS payment window And then requests payment by pressing an OK button provided in the SNS payment window (ST60 or ST63).

7 is a view briefly showing a settlement processing flow of the present invention based on a transaction screen provided in an electronic commerce shopping mall. It is easy to understand why the number provided by the card issuer server (payment server) of the present invention is referred to as a winning number, which is different from that of Fig. The user first activates the instant messenger and then requests the credit card company's payment number (ST30 or ST31), and receives the credit card payment number from the credit card company server (ST40 or ST31) ST43). That is, the winning number is a number indicating that the use is already approved by the card company server (payment server), and when the winning number is input from the e-commerce shopping mall within a predetermined time, Quot; is a number defined to be used to process the settlement using the " Then, when the user selects the item desired to be purchased while shopping at the e-commerce shopping mall (ST300), the payment system is designated from the user system (ST310) and the SNS payment window ST20 for receiving the winning payment number Receive. Enter the winning payment number given in ST40 (or ST43) into the SNS payment window and click the OK button to complete the payment (ST60 or ST63). As shown in FIG. 7, the winning payment number refers to a number linked to a payment means specified as an authorized number that can be used from a credit card company server (payment server) even if the article to be purchased is not specified .

FIG. 8 is a modification of FIG. 6 showing a settlement processing flow of the present invention based on a transaction screen provided by an electronic commerce shopping mall. In the process flow shown in FIG. 8, it is understood that the settlement method subdivision designation step (ST320) is omitted and processed, unlike FIG. 3 to 5, the third system including the card issuer server 300 and the e-commerce shopping mall system 400 except for the user system 100 is provided with information on settlement in order to prevent information leakage as much as possible It is a process flow which is consistent with the objective of operating so as not to be recorded. In order to faithfully perform the above purpose, the e-commerce shopping mall system 400 inputs the winning payment number and the payment information, which have been inputted, to the card issuer server (step < RTI ID = 0.0 > 300). However, since the e-commerce shopping mall system 400 does not receive input as to which credit card company server 300 the user should connect to, it requires a new method for processing the same. In the present invention, in order to solve such a problem, some numbers in the winning number are used as delimiters for specifying a payment method including "bank transfer, account transfer, credit card, mobile phone payment, SNS payment" Is used as a settlement method subdivision designator that specifies the specified settlement method in detail. FIG. 9 is an example of a number configuration system using a settlement type designator and a settlement type subdivision designator using the winning settlement number of the present invention. It is used to select an upper payment method by using a payment method designator. For example, it is possible to use a payment method designator to determine whether to use a payment method of "transactionless transfer, account transfer, credit card, mobile payment, SNS payment" . Next, it is used to specify the detailed classification of the specified payment method using the settlement method subdivision specifier. For example, if you select "Credit card payment" as the payment method designator, you will use it to distinguish "Samsung Card, Shinhan Card, Woori Card, Foreign Exchange Card, Master Card, ..." The remaining numbers except for the number used as the payment method designator and the payment method subdivision designator in the winning payment number are used as the payment number.

When the electronic commerce shopping mall system 400 is used as the settlement type designator and the settlement type subdivision designator by using some digits of the winning settlement number of the present invention, the electronic commerce shopping mall system 400 extracts the settlement type designator and the settlement type subdivision A parsing unit for parsing to recognize the designator is required. The distinction between the payment method designator and the settlement method designator is changed from time to time due to security problems. For example, the card issuer server 300 includes an update unit 310 that periodically changes the settlement type designator and the settlement type subdivision designator, and updates the updated contents to the parsing unit 410 of the electronic commerce shopping mall system 400 It is transmitted every cycle. In other words, the credit card company 300 distinguishes the payment method designator '1' from '2014.04.01' to display 'credit card payment'. However, for security reasons, the payment method designator '3' Payment ', the change is reflected in the e-commerce shopping mall system 400 and then parsed.

So far, we have explained how to process payments through credit card company's server. The payment method using the messenger of the present invention may be a settlement processing through a bank server or a communication company server in addition to the card payment through the card company server 300. [ In this case, the card settlement processing should be changed to the account transfer processing or the mobile phone settlement, and the steps performed by the card issuer server may be performed by the bank server or the communication company server. Therefore, the payment server that performs settlement substantially corresponds to a credit card company server in the flowchart of FIG. 3 to FIG. 5, but a bank server in the case of bank account transfer, and a communication company server in a mobile phone settlement.

In the following description of the embodiments of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present disclosure rather unclear.

The terms first, second, etc. may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component. And / or < / RTI > includes any combination of a plurality of related listed items or any of a plurality of related listed items.

It is to be understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, . On the other hand, when an element is referred to as being "directly connected" or "directly connected" to another element, it should be understood that there are no other elements in between.

The terminology used in this application is used only to describe a specific embodiment and is not intended to limit the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. In the present application, the terms "comprises" or "having" and the like are used to specify that there is a feature, a number, a step, an operation, an element, a component or a combination thereof described in the specification, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

In addition, the components shown in the embodiments of the present invention are shown independently to represent different characteristic functions, which does not mean that each component is composed of separate hardware or software constituent units. That is, each constituent unit is included in each constituent unit for convenience of explanation, and at least two constituent units of the constituent units may be combined to form one constituent unit, or one constituent unit may be divided into a plurality of constituent units to perform a function. The integrated embodiments and separate embodiments of the components are also included within the scope of the present invention, unless they depart from the essence of the present invention.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with the meaning in the context of the relevant art and are to be interpreted in an ideal or overly formal sense unless explicitly defined in the present application Do not.

100: user system 110: SNS payment module
200: Messenger provider server
300: Card issuer server
400: e-commerce shopping mall system
500: a communication network including an Internet network or a mobile communication network

Claims (8)

An e-commerce shopping mall system for selling a plurality of articles through a communication network including an Internet network or a mobile communication network; a user system for accessing the e-commerce shopping mall system to search for a plurality of articles and purchase desired articles; And a payment server for making a payment for an article to be purchased, wherein the user system comprises a messenger program for transmitting a 1: 1 chat message among a plurality of users to a storage device, And an SNS payment module for performing payment while communicating using the communication network, wherein the payment server of the electronic commerce system processes payment,
Wherein the user system is configured to pre-register the payment means for the user to pay the commodity from the SNS payment module of the user system, and to use the at least one identifier selected from among the messenger identifier of the user, the hardware identifier of the user system, A first step of preregistering a user identifier for identifying a user system from another user system,
The method comprising: authenticating the user system using the user identifier of the user system stored in the first step when a payment number is requested from the SNS payment module of the user system; A second step of transmitting the winning number to the SNS payment module by matching the payment number to be paid using the payment means when payment is requested in the future using the winning number,
Receiving the winning number from the e-commerce shopping mall system, authenticating the inputted winning number and transmitting the authentication result to the e-commerce shopping mall system, receiving the payment amount from the e-commerce shopping mall system, A third step of receiving payment information including an e-commerce shopping mall identifier for identifying the shopping mall system with another e-commerce shopping mall system; and
And a third step of specifying the payment means using the payment number received in the third step, processing the payment with the specified payment means using the received payment information, and using the messenger to send the payment processing result to the user system And a fourth step of transferring the settlement request to the payment server of the electronic commerce system.
The method according to claim 1,
The third step
A third step of receiving the winning number from the e-commerce shopping mall system, authenticating the inputted winning number and transmitting the authentication result to the e-commerce shopping mall system,
And a third step of receiving payment information including a payment amount from the electronic shopping mall system and an electronic commerce shopping mall identifier for identifying the electronic mall shopping mall system from another electronic mall shopping mall system. How a payment server in a commerce system handles payments.
3. The method according to claim 1 or 2,
Wherein in the second step, the winning-in settlement number generation is generated using the user identifier and a time when a winning settlement number is requested from the SNS settlement module, wherein the payment server of the electronic- Way.
3. The method according to claim 1 or 2,
Wherein the user system identifies an item to be purchased in the electronic commerce shopping mall in a step between the second step and the third step.
The method according to claim 1,
Wherein the second step generates a winning number that is available for a predetermined period of time using the user identifier and the request time of the first step.
3. The method according to claim 1 or 2,
Wherein the winning settlement number includes a settlement type designator for classifying a settlement type and a settlement type classifier for specifying a detailed item of a settlement type specified by the settlement type designator. How to process your payment.
The method according to claim 6,
Wherein the payment server is provided with an update unit for periodically updating the settlement type designator and the settlement type classification specifier.
An e-commerce shopping mall system for selling a plurality of articles through a communication network including an Internet network or a mobile communication network; a user system for accessing the e-commerce shopping mall system to search for a plurality of articles and purchase desired articles; And a payment server for making a payment for an article to be purchased, wherein the user system comprises a messenger program for transmitting a 1: 1 chat message among a plurality of users to a storage device, And an SNS payment module for performing payment while communicating using the communication network, wherein in the payment server of the electronic commerce system,
Wherein the user system is configured to pre-register the payment means for the user to pay the commodity from the SNS payment module of the user system, and to use the at least one identifier selected from among the messenger identifier of the user, the hardware identifier of the user system, Registering a user identifier for distinguishing from other user systems,
When a pre-payment number is requested from the SNS payment module of the user system, the user system is authenticated using the stored user identifier of the user system, and a pre-payment number available for a predetermined period is generated If the payment is requested in the future using the winning number, matching the payment to be made using the payment means, transmitting the winning number to the SNS payment module,
Receiving the winning number from the e-commerce shopping mall system, authenticating the inputted winning number and transmitting the authentication result to the e-commerce shopping mall system, receiving the payment amount from the e-commerce shopping mall system, Receiving settlement information including an e-commerce shopping mall identifier for identifying the shopping mall system with another e-commerce shopping mall system,
The payment means is identified by using the received payment number, the payment is processed by the specified payment means using the received payment information, and the payment processing result is transmitted to the user system by using the messenger Characterized by the payment server of the e-commerce system.

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