KR20160046272A - A professional safe payment agency system and its method - Google Patents

Abstract

The present invention relates to a secure settlement professional proxy shipping system and a method thereof. The method comprises the following steps of: sending a settlement code to a customer as soon as settlement; and performing final settlement if the customer inputs the settlement code at a time when a company delivers a product to the customer. Therefore, the method enables the customer to safely use a phone order and online settlement.

Description

Shipping professional safe payment agency system and its method {omitted}

Figure 1 shows the overall flow chart of the brokerage agency

2 is a flowchart illustrating a settlement agency performing a settlement service

FIG. 3 is a flowchart showing a case in which a settlement agency integrates with a settlement agency

4 is a flow chart of the settlement service of the delivery company

5 is a flow chart of the settlement service of the shopping mall

FIG. 6 is a flow chart of partial payment service according to some returns

7 shows a flow chart of the settlement service when the recipient is a third party

Figure 8 shows a flow diagram

9 is a flow chart of the task of the settlement agency

Figure 10 shows the structure of the customer DB of the settlement agency

11 shows the structure of the billing code waiting DB of the settlement agency

12 shows an example of the inquiry and input screen in the billing code standby DB

Field of invention

The present invention relates to a secure settlement system capable of performing secure settlement while supporting convenient settlement such as telephone ordering of a delivery specialist, an online shopping mall, and an offline shopping mall requiring delivery.

Background of the Invention and Conventional Technology

Currently, there are companies such as restaurants that specialize in delivering order phone calls and online shopping malls are expanding. Most of the delivery specialists are in cash payment, while credit cards are using a wireless card payment machine. Restaurants, etc. Recently, there has been a food portal that enables online purchases to be made online and payment can be performed online. On-line shopping malls use bank transfers, credit cards, and telephone payments. We are trying to increase the security of payments by introducing an alternative for security, and payment agencies such as PayPal, which does not enter account numbers or credit card numbers directly into shopping malls, are trying to raise the safety of payments in the middle.

The method of inputting the actual card number and the method of using the security module are already widely used and various methods for increasing the security of the settlement have been derived and some of them have been applied and used at present but since they are all performing the settlement through non- It is clear that there is a limit to the illegal settlement of the third party due to the leakage of the inputted payment information or the information due to the hacking due to limitations in the system.

However, due to the fact that there is a delivery person in contact with the customer for shipping both for the online shopping mall and the delivery industry, make a payment with the basic online or telephone order, but the final payment is to receive the payment code from the customer at the end of the delivery In addition to suggesting an alternative that minimizes the risk of online or telephone settlement, it is possible to make payment after confirming the goods at the time of purchase at the store where only the goods are purchased or displayed without stock.

In addition, the present applicant has filed in application (No. 10-2012-0083774) in 2012, and the part added in the method of payment is a partial payment and the remaining amount can be immediately canceled When partial payment and delivery to a third party are made, a payment code is transmitted to a third party so that payment can be made at the same time as receipt, thereby completing the transaction.

Accordingly, in the present invention, the payment agency checks the payment limit of the customer to the payment company in the payment request of the establishment, approves the temporary payment to the company, and sends the payment code to the customer. At the time of delivering the product to the customer, Receiving the received payment code and inputting the received payment code so that the payment is finally made so that the customer can decide the payment end so that the safety of the online or telephone settlement can be ensured.

In practical application, the method described above will be properly combined with the situation, and the method and apparatus according to the present invention will be described in detail with reference to the accompanying drawings.

Figure 1 shows a general flow chart in which the settlement agency brokers only the settlement service. The settlement company, the customer and the business establish a transaction contract (agreement) with the settlement company in advance, and the settlement agency executes the settlement agency The customer connects the system to the settlement agency while making a separate membership to the settlement company, and selects the wireless terminal number, billing ID, billing company selection, and payment recognition information (card number, account number, telephone number, And a business entity enters a separate membership to the settlement agency and inputs the settlement ID, settlement recognition information (business number, merchant code, account number, etc.), and the system for settlement is configured.

In this case, when the contents related to the subscription based on the credit card company are summarized, the customer first applies to the credit card company to apply for the card, and the credit card company inquires the creditworthiness of the customer to perform the card issuance. The payment agency must provide the merchant code after performing the procedures for the affiliated contract of each card company by the settlement agency and the settlement agency should issue a contract similar to VAN company And the customer connects to the payment agency by joining as a member, and if the customer has already entered the card information and designates the card information as the payment means, the system for payment can be regarded as being configured. Each will be constructed in an appropriate way.

When the customer 140 orders the payment to the retailer 150 by telephone or after making an order at the online shopping mall, the retailer 150 sends a payment request to the payment agency 130, (102) the settlement agency including the recognition information of the settlement agency, the settlement amount and the settlement recognition information of the seller, and the settlement agency 130 uses the settlement ID or the telephone number of the customer to obtain information on the specified settlement means (103), and the settlement company notifies the settlement possibility (104) if the customer has a limit or a balance, and the settlement agency notifies the settlement agency At the same time as the information that can be managed is transferred 105, the payment code is sent to the customer as a message 106. The seller 150 prepares the order and delivers 107 the payment, After receiving the money amount and the received payment code (108), the money and the payment code are input to the system (109). The payment agency checks the input payment code and if it is normal, (110), and the settlement company performs the deduction or transfer from the current credit limit or account balance, and the final settlement approval (111) is made. The settlement agency notifies the company of the final settlement approval (112 And at the same time, the payment is completed by transmitting the message about the payment information to the customer (113).

There is a risk that the customer's credit limit and account balance may be changed between the initial payment approval 104 and the final payment approval 111. For this part, the credit card company or the communication company inputs the virtual usage information If the payment is not made at the final stage, the payment can be made by other payment means or payment method that can not be made at the delivery stage It is most convenient for the settlement agency to bear the risk of time, and the configuration of the system may be simple, but the specific configuration method may be changed depending on the situation.

In addition, even if there are some returns, it is usually necessary to return the deducted amount to the customer in consideration of the shipping cost due to the return and the penalty due to the return. Request payment only for the amount received and for the specified return price, in such a way as to end the process of returning immediately in order to improve the quality of service for the missing merchandise or customer, This is a method that allows the customer to cancel the payment. Since the payment limit has already been approved, even if the final approval is requested without a separate procedure for the reduced amount (less than the approved amount) And that it can improve customer convenience.

The concept of a payment agency is used in a somewhat different manner in a real life, but is used collectively as a company that mediates settlement between a final settlement company 120 and a seller (a merchant) 150. However, A company that acts as a broker for card payment between a credit card company and a merchant and acts as a payment agent for a small shopping mall that can not form a credit card payment system due to its small size. And a company that deposits the deposit from the customer's deposit to the merchant after the customer has made payment to another company within the range of the amount deposited in advance. However, the payment agent of this patent includes the payment agent of all methods As shown in FIG.

Herein, the information required for each subscription may be different from each other, and there may be additional information. However, here, for convenience of description, only a minimum of information is illustrated, and each information transmission is basically an encrypted module And detailed descriptions will be omitted here. The wireless terminals 423, 517, and 802 of the present invention collectively refer to terminals capable of making calls or wireless Internet, , The telephone order includes a general telephone to which a telephone number is assigned and a voice chat which does not include a telephone number. In the case of voice chat, a payment ID is mainly used because there is no caller number.

Referring to FIG. 2, the billing agency 230 performs a payment transaction. The billing company 220 and the customer 240 perform a transaction agreement (agreement) with the billing company in advance (A) (C) for the company and the approval process and the contract for the separate merchant contract (C). Then, the customer connects the system to the payment agent, The business entity 250 enters the ID information and the payment company selection and payment recognition information (card number, account number, telephone number, etc.) ), The system for settlement is configured by entering the payment ID while subscribing (E)

The settlement procedure is similar to the above-mentioned chart 1, but the detailed explanation is omitted because the settlement price is different from the fact that the settlement price is deposited (216) to the account of the seller after being deposited (215) Is a small scale shopping mall that can not build a direct credit card payment system because it is small in size, and it has no direct relationship with the settlement company.

FIG. 3 shows a case where the settlement agency performs integration from the settlement company 320 to the settlement agency in a general flow chart when the settlement agency integrates with the settlement agency. In the case where the communication company purchases the customer 340 from the contracted retailer 350 The customer 340 performs the settlement (D) by using the customer's deposit (the various types of cash, E-Cash) at the subsidiary company of the Internet shopping mall. And enters the settlement ID into the account, and prepares the settlement. When the business entity 350 makes a separate subscription (E) to the settlement agency, the system for settlement .

When the customer 340 requests the settlement after making an order in the online shopping mall, the seller 350 notifies the settlement agency of the customer's recognition information such as the payment ID or telephone number of the customer, the payment amount, (302), and the payment agency confirms the account deposit using the payment ID or telephone number of the customer, and then, if there is a balance, the information that can be used to manage the payment, such as the fact that the payment is available to the business At the same time as the transfer 305, the payment code is transmitted to the customer as a message 306. The seller 350 prepares the order and delivers the payment 307 to the customer and receives the payment amount according to the customer's request and the received payment code (308), the amount and the settlement code are inputted into the system (309), and the settlement agency confirms the inputted settlement code and if it is normal, Perform the transfer of the amount of, and will be notified while 312 final approval to the settlement company while payment is made by also sending a message to the billing information to customers (313).

In addition, when the settlement company, the settlement agency, and the retailer are both provided, the Internet shopping mall itself can manage the customer's deposit (various forms of cash and e-cash) The settlement agencies can be configured in various forms by combining the ones illustrated in Tables 1, 2, and 3. However, the payment at the time when the customer requests the initial settlement 302 It is important that the customer proceed in a situation where there is no monetary execution, but a monetary settlement is made at the time of entering the received payment code (309).

FIG. 4 is a flow chart of the settlement service of a delivery specialist company. When the order phone (401) for a customer's delivery specialist company is connected (402) to a merchant, it is inquired using the caller information, If there is no information, the information is inputted 403 and then the order is inputted 405. The customer can request the prepayment agent 406 by telephone. In the case where the terminal number registered in the payment agency (407), it is confirmed whether the current caller identification number is to be used or another information is to be input (409). If there is information (407), the payment method is inquired to the payment agent system 408). If there are a plurality of customers (410), the customer is selected (411). If there is only one customer, (412) according to the payment method specified by the payment company (412). If the payment company (413) is notified of the rejection, the business and the customer are notified of the rejection (416) In the case of approval 414 by the payment company, the payment code is transmitted 415 to the customer at the time of transmitting approval and settlement information to the company.

The merchant registers the merchandise in the order DB 421 of the merchant including the payment information transmitted with payment approval 417 and outputs the slip and prepares the merchandise to be delivered 422, When a delivery employee selects a delivery employee, the number of the wireless terminal is automatically inputted (424) to the settlement object of the payment agent system, and the delivery person arrives at the customer 425). After the product is delivered, the billing agent system inquires of the list of queues for billing code entry based on the wireless terminal number of the delivery employee, selects a payment object, inputs a payment code (426) The final payment approval is requested from the payment settlement system to the selected settlement company. If the approval is granted, the approval is given. If the payment approval is rejected, the rejection notification 428 is issued. The order processing will be completed 429. If the delivery staff does not use the wireless terminal 423, the payment information is output 430 and then the delivery is concurrently performed When the payment code is received (431), the payment code is inputted (432) upon arrival at the establishment, and the inputted payment code is approved by requesting final approval to the payment company selected by the payment agency system 427 If the rejection notification is received, it is determined that the rejection notification is received. If the rejection notification is made, the user will come back and receive the settlement through another payment method. If the settlement notice is normally sent, the order processing is completed 433 will be.

When order registration is completed (step 448), the order DB 449 of the main office and the order DB 421 of the merchant are connected to the merchant's call center 434, ) Is automatically generated, it proceeds in the same way as the order processing of the merchant, so that further explanation will be omitted.

Here, the billing code 426 may be a number, a character, a 1, 2 bar code, a picture, or the like. As a method of inputting to the wireless terminal, input through a keypad, scanning or photographing, The wireless terminal of the delivering employee can be used only when the wireless terminal is registered in advance or can automatically extract the number of the terminal. In the actual construction, the billing code can be input only when the wireless terminal number is stored in advance in the payment agent system, so that the third party The billing code will not be able to be inputted arbitrarily. In order to intuitively understand the drawing, , Which is a detailed description.

5 is a flow chart of the settlement service of the shopping mall. After the customer logs into the online shopping mall (501), the customer selects the goods 502 and requests payment 503 and confirms the payment ID registered in the payment agent system If it is not registered (504), a payment ID is inputted (506). If there is a payment ID (504), a payment method is inquired to the payment agent system (505) If there is only one item (507), the payment amount and the information of the establishment are immediately transmitted and a payment is requested (509). If there is no product corresponding to the desired size or color in the offline shopping mall, (532) If the user selects a product (533) and then makes a settlement through a previously registered settlement ID, the same procedure as that of online is performed. If the user intends to make a payment only once without registering for membership 34) After inputting the information (name, telephone number, address, etc.) necessary for payment and delivery (535) and requesting payment through a payment tool (537) such as the presented credit card, the payment agency system temporarily The payment procedure system 510 proceeds to step 538. In step 538, the payment procedure system 510 proceeds to step 538. In step 538, the payment procedure system 510 requests approval from the payment company according to the payment method designated by the customer, If the payment company declines the payment, the shopping mall and the customer are notified that the payment has been rejected. The shopping mall will ask the customer for another payment means. If the payment company approves the payment, the approval and payment information is transmitted to the shopping mall At the time of transmission, the customer is sent a payment code.

After the payment approval 511 is received, the shopping mall is registered 514 in the order DB 515 including the payment information transmitted, and after selecting the company to be delivered, the goods to be provided are delivered to the shipping company 516, When the employee to be finally delivered is determined according to the own system, if a delivery employee selects 517 the wireless terminal, the number of the wireless terminal is automatically input to the payment target of the payment agent 518 ), The delivery staff arrives at the customer (519) and delivers the product. Then, the payment agent system inquires the waiting list of payment code based on the wireless terminal number of the delivery employee, selects the object to be paid, (520), and the inputted payment code requests final approval to the payment company selected in the payment agent system 521. If the approval code is approved, the approval code is rejected. If the payment code is rejected, If the rejection notification is made (522), the settlement will be received or returned through another payment method (524). If the settlement notice (522) is normally sent, the order processing will be completed (523) When the wireless terminal is not used (517), the payment information is output (526), and the payment code is confirmed and received at the same time as the delivery (527). Upon arrival at the delivery company, the payment code is inputted (528) The code requests final approval to the selected settlement company 521. If the approval is granted, the approval is given. If the rejection is rejected, the code is notified of rejection. If the rejection notification is made (529) (531), and if the payment notification is normally sent (529), the order processing will be completed (530).

In most cases, when the payment is canceled, most of the time it is returned rather than selecting another payment method, and when the shipper does not use the wireless terminal, it is very inconvenient It is reasonable to use the wireless terminal and the shipping company will be configured to register with the payment agent system in advance and work with the system of the delivery company. (APP), which automatically extracts the number of the terminal, can be used without a separate registration procedure. However, in actual construction, when the payment code is inputted, the wireless terminal number is transmitted to the payment agent system By enabling only when it is stored, the third party can not enter the payment code at will Carrying will be presented to build, but not the complex to an intuitive understanding of the figures, a more detailed description in details.

In addition, since the Internet shopping mall uses the payment ID instead of using the caller ID, it is explained based on the payment ID as opposed to the delivery specialist. However, when inquiring the billing agency system, the wireless terminal number can be used as a key. It is not possible to use a billing agency system because it is a member of a shopping mall because a payment can be requested by inputting a billing ID or a wireless terminal number of a billing agency system after selecting a commodity without joining as a member, Is necessary.

FIG. 6 is a flow chart of a partial settlement service according to some returns. FIG. 6 is a flowchart illustrating the partial settlement service according to the embodiment of the present invention. FIG. (602), and the delivery staff arrives at the customer (603) and delivers the product. The billing agency system then inquires (604) a list waiting for payment code input based on the wireless terminal number of the delivery employee, (609), and if a part return (606) is required, the amount of the item to be returned (607) is confirmed in the order list (607), and the return (609) and inputs a payment code (609), the inputted payment code is sent to the payment company selected by the payment agent system for final approval (612). If it is approved, it is approved. If it is rejected, it is notified of rejection (614). If the rejection notice is given, the settlement will be received through another payment method. (613).

However, since the general payment can be performed even when the wireless terminal is not used, the partial payment can only be performed when the door terminal is used, since it is necessary to be able to inquire information in real time whether the return is a product that can be performed without a separate procedure.

FIG. 7 is a flow chart of the settlement service when the receiver is a third party, and is performed in the step of receiving payment information of FIGS. 4 and 5. When the receiver is the customer, registration is made in the order DB 515 514). When the delivery to the third party is to be made 702, the information input 703 and the telephone number 704 of the third party's delivery address and the like are inputted (704), and the payment code for the third party is transmitted to the payment agency After the request 705 is registered in the order DB 515 including the payment information, the order registration is completed.

Here, when a third party receives the payment code, the payment code may be provided in the form of a message without going through the payment agent system. However, the code may be leaked due to problems such as hacking of the mobile phone, The third party may ask the settlement agency directly for the return or cancellation for other reasons.

FIG. 8 is a flowchart illustrating a process for canceling a payment of a customer, wherein the customer can cancel the payment code at any time before providing the payment code to the delivery employee. If the customer and the third party desire to cancel the payment (801) In the case of using a registered wireless terminal through a web or an application (APP) for automatically extracting the number of the terminal (802), the user can log in to the payment agent system (802) (807), a list waiting for a payment code input is displayed (804), a cancel target is selected (806), and a received payment code is input (807) The cancellation information is notified to the seller and the customer (808).

However, the actual cancellation can be designed to prohibit the cancellation of the customer's own cancellation according to the contract with the seller, or to automatically pay the penalty according to the cancellation fee and cancellation that occurs when the cancellation occurs. And the case of cancellation through the vendor is very intuitive, so that a separate explanation will be omitted.

FIG. 9 is a flowchart of the business of the settlement agency. When the seller has a settlement approval request 901, the customer makes an approval request 902 including the sales company information, the settlement amount and the settlement recognition information to the settlement company requested by the customer , The settlement company notifies the business and the customer of the rejection of the approval (906), and if the credit limit of the customer is not approved (903), the settlement company sends the settlement request DB 90 After the information is registered (904), the settlement information is transmitted to the business (907), and at the same time the settlement code is transmitted to the customer (908), and then the input of the settlement code is waited (909) If the input unit of the billing code has elapsed (910), the cancellation registration (911) and the cancellation notification (913) are made to the business and customer together with the cancellation registration (914) 916) to the business and customers (918). If a normal code is input, the customer 914 recognizes the input 914 as a cancellation request, notifies the cancellation 916 of the cancellation to the company and the customer 918, If the payment code is entered together with the amount (919), the final approval is requested to the settlement company including the final amount if it is within the previously approved amount (920). If there is no input of the amount, 921). If the approval is made, the final step of the settlement will be performed and the actual settlement affecting the customer will occur. If the amount entered exceeds the approved amount or the approval is rejected The settlement proceeds from the beginning to the time when it is not present (923), and the information of the normal settlement 924 and the payment decline is notified to the company and the customer (925).

FIG. 11 is a DB which is registered at the time of requesting payment approval with the structure of the payment code waiting DB of the settlement agency and is deleted at the time when a payment code is inputted and a final approval request is made. The time limit is set to be one minute to several days depending on the safety of the contract and settlement with the company, and it is a time for canceling the payment automatically when the deadline is over. The terminal number of the deliverer is a delivery In order to determine whether the input of a normal billing code is an employee's wireless terminal number, the user may select the employee from the shipping company designated in advance by the establishment or delegated authority of the business.

12 shows an example of the inquiry and input screen in the billing code standby DB. The billing code of the delivery employee is inquired by the wireless terminal of the delivery staff. When a customer views the bill using the wireless terminal, The amount will be displayed.

It is to be understood that the foregoing examples have been presented for purposes of illustration only and are not intended to limit the present invention. While the present invention has been described with reference to exemplary embodiments, it is to be understood that the words which have been used herein are words of description and illustration, rather than of limitation.

Although the present invention has been described with reference to specific structures, materials, and embodiments, it is to be understood that the invention is not limited thereto and that various changes and modifications may be made without departing from the spirit and scope of the invention. And can be extended to functionally equivalent structures, methods and usages within the scope of the appended claims.

As described above, the billing code issued at the time of settlement is sent to the customer, and when the billing code received by the customer is received at the time of delivering the product to the customer, the payment is finally made, The contents of the payment made at the time of online order are not actually paid, but are waiting, and when the payment is completed, the payment is made at the time of inputting the payment code so that the customer can use the telephone order and the online payment without worrying, The payment can be completed without providing important information such as the credit card number associated with the payment to the delivery company and the online shopping mall.

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