KR20160136684A - A method for facilitating an easy payment in accordance with an order and a agent system therefor - Google Patents

Abstract

The present invention relates to an easy payment method in accordance with product order and to an agent system therefor. Accordingly, the present invention provides an easy payment method, an agent system therefor, and computer readable medium, capable of easily making an ordering payment when ordering raw materials between a franchise head office and an affiliate, and conveniently accommodating money according to a contractual relationship with the franchise when the affiliate has cash-flow problems.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment method and a brokerage system,

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to a simple payment method for paying a commodity and an intermediary system therefor.

Electronic commerce refers to the act of purchasing and selling goods and services such as goods or services by using information and communication networks. When this is expanded to mean broad e-commerce, But also includes cases in which orders, purchases, orders, advertisement activities, etc. between a business entity and a business entity use information communication means. The advantage of such electronic commerce is that transactions can be concluded without restriction of time and space in terms of each of the purchasing entity and the selling entity, and the time of the individual entity can be saved.

On the other hand, as the distribution and logistics develop, the franchise is being activated in various kinds of restaurants, liquor companies, and distribution companies. In the form of franchise, the head office shares its mutual name, trademark, It refers to a business relationship that conducts business activities in a certain range, such as selling or providing goods or services with the same image, and the head office performs support and control for the franchisees and takes economic benefits from the franchisees. As the franchise appears in various business sectors, it has the advantage of being able to have confidence in the brand and service from the consumer's point of view, and to manage the quality control of the goods and services, and the distribution and distribution thereof.

The universalization of e-commerce and the activation of franchise based on capital are the natural phenomenon due to technological and social background. However, even though e-commerce is activated among individual consumers, the transactions between the head office and the merchant in the franchise contract often take the form of an ordinary transaction rather than an e-commerce method. For example, if you look at the ordering patterns of foodstuffs in relation to the head office of an A franchise and the franchisees related to Korean food business, even if you order foodstuffs that you need within the next day or nearest day from the merchant in application programs or software provided by the head office, It is a general aspect that the payment for the payment should be made by visiting a financial institution such as a bank or by using an online banking service provided by a financial institution.

In spite of the daily contracts and settlement activities that require frequent settlement in this process, we use separate applications, software or interfaces in order to order the necessary commodities or raw materials for the franchise head office and pay for them Therefore, it is difficult to see that e-commerce is integrated.

Korean Patent Registration No. 1309749, which is one of the prior art documents having the purpose of simplifying payment in electronic commerce, discloses a settlement brokerage system and method. Specifically, according to the disclosure of the Korean registered patent, a PG server which can not directly handle account information or card information by using an online ID key value composed of a file or a combination of a letter and a number column instead of a bank account or a credit card It provides a technical structure that enables settlement of expenses and account transfer.

Korean Patent Registration No. 1192485 discloses a method and system for remittance using a code image. In this method, a mapping key value and a mapping key value, which are connected to a customer account opened in a customer's bank, If the code recognition image data is received from the sender's smartphone after receiving the code recognition image data from the smartphone of the sender after the code image is coded and encoded according to the specified matrix encoding rule after combining the key set including one or more key values, The authentication server authenticates the mapping key value included in the encoded recognition data based on the key set, and provides the receiving bank information, payee information, and the receiving account information corresponding to the customer account linked to the mapping key value to the smartphone of the remitter An inter-personal remittance method using a code image for processing an inter-personal remittance transaction; and It presents a system.

However, even in the case of this prior art document, in the course of ordering and paying for goods or raw materials, each separate application program, software, or interface will still be used differently in the ordering and settlement process, so that the franchise's head office and merchant It is difficult to see that e-commerce is integrated between the two parties.

[1] Korean Registered Patent No. 1309749 (Payment Mediation System and Method) [2] Korean Patent No. 1192485 (Method and system for individual transfer using code image)

The present invention relates to a system and method for facilitating the payment of orders at the time of ordering goods or raw materials between a head office and a franchisee of a franchise, and facilitating the financing of the franchise in accordance with a contract relationship with a franchise company in a situation where the cash- A payment method, an intermediary system therefor, and a computer readable storage medium.

A simple payment method according to the first aspect of the present invention is provided. According to the simple settlement method, the step of identifying the order information of the merchandise including the plurality of merchandise name information and the quantity information for each of the plurality of merchandise names in the merchant store device; Transmitting order information of the goods from the merchant device to the agency server together with information on the merchant device; Receiving order information of the goods and information on the merchant device from the agency server and authenticating the order information of the goods based on the information about the merchant device; Calculating a total payment amount based on the order information of the merchandise and associating the total payment amount with the account information of the main bank registered in advance with the merchant device when the order information of the merchandise and information on the merchant device are authenticated; Checking the real-time balance of the account at the bank server using the account information of the associated main bank; And transferring the total payment amount according to the order information of the commodity from the account to the account of the contracting party specified in advance when the total payment amount is less than or equal to the real time balance of the account.

In addition, the simple settlement method may include different steps so that the total settlement amount is divided into three suns when the total settlement amount exceeds the real time balance of the account.

In the first aspect, when the loan account is absent from the agency server and a signal relating to the opening of the loan account is inputted, the loan account is generated, and the loan account, which is calculated from the information on the affiliate store device and the information on the contracting party, Setting an upper limit amount of the loan account based on an amount automatic setting factor and linking the upper limit amount of the loan account with information about the affiliate store device, the automatic setting factor of the loan account being such that generation of the loan account is based on the credit rating of the contractual partner, The financial statement information of the contracting party; And transferring the total payment amount according to the order information of the commodity from the loan account to the account of the pre-designated contractual counterpart.

Designating, as a second aspect, the account information of the associated main bank as a loan account when the loan account is absent from the agency server and a signal relating to the non-opening of the loan account is input; And transferring the total payment amount according to the order information of the commodity from the loan account to the account of the pre-designated contractual counterpart.

As a third aspect, if it is determined that the loan account exists in the agency server, the method may further include transferring the total payment amount according to the order information of the goods from the loan account to the account of the pre- have.

In the simple payment method, the step of authenticating may further include the step of authenticating the merchandise by the at least one of RF ID (Radio Frequency Identification), two-dimensional barcode data, three-dimensional barcode data, wire telephone number, mobile phone number, And the merchant device may refer to at least one of a POS, a PC, a tablet PC, and a smart phone of an affiliate shop.

As a further aspect, the information on the merchant device may include the merchant name, the merchant registration number of the merchant, the type of the merchant device, and the unique identification code of the merchant device.

Disclosed is a computer-readable storage medium storing a computer program for performing a simple settlement of payment in accordance with an order for goods according to a second aspect of the present invention. Wherein the computer program comprises: code for identifying order information of a product including a plurality of product name information and quantity information for each of the plurality of product names in an affiliate store device; A code for transmitting order information of the merchandise from the merchant device to the agency server together with information on the merchant device; A code for receiving order information of the merchandise and information on the merchant device in the agency server and authenticating the order information of the merchandise based on the information about the merchant device; A code for calculating a total payment amount based on the order information of the merchandise and associating it with the account information of the main bank registered in advance with respect to the merchant device when the order information of the merchandise and the information about the merchant device are authenticated, ; A code for confirming the real-time balance of the account at the bank server using the account information of the associated main bank; And a code for transferring the total payment amount according to the order information of the commodity from the account to the account of the contracting party specified in advance when the total payment amount is less than the real time balance of the account.

Further, a brokerage system for simple settlement of payment when ordering an article according to the third aspect of the present invention is disclosed, wherein the brokerage system comprises an affiliate store apparatus, an agency server, and a contractual partner apparatus. Wherein the merchant device includes input means including a keyboard, a mouse, a virtual keyboard, and a microphone for receiving order information of a commodity including a plurality of commodity name information and quantity information per a plurality of commodity names, An order information receiving module that receives order information of the merchandise together with information on the merchant device; The order information of the merchandise is authenticated by at least one of an RF ID, two-dimensional barcode data, three-dimensional barcode data, a wire telephone number, a mobile phone number, and a temporary authentication number, Authentication module; A calculation module for calculating a total payment amount according to the order information of the goods when the order information of the goods and the information about the franchisee device are authenticated; An account information storage module for associating the account information of the main bank registered in advance with the merchant device; A bank server interworking module for requesting real time balance information of the account to a bank server using the account information of the main bank and receiving the real time balance information from the bank server; A loan account activation module that creates a loan account unique to the merchant device and sets a limit amount of the loan account based on information about the merchant device; And a transfer module for transferring the total payment amount to an account of the contracted party specified in advance.

When the real balance in the account of the main bank received from the bank server interworking module is equal to or greater than the total payment amount in the intermediary system for simple settlement of payment in accordance with the product order, And if the real-time balance received from the bank server interworking module is less than the total payment amount, activating the loan account with the loan account activation module and transferring the account information from the loan account And transferring the total payment amount to the account of the pre-designated counterparty counterpart.

In addition, the order information receiving module, the authentication module, the calculation module, the account information storage module, the bank server interworking module, the loan account activation module, and the transfer module may be encrypted and integrated processor .

According to the present invention, there is provided an easy payment method and an intermediary system for the same, which provide an integrated application program and an interface for simplifying transactions at the time of placing an order between the head office and a franchisee of the franchise, Can be constructed.

In addition, according to the simple payment method and the brokerage system for the merchandise order according to the present invention, when the cash flow is lowered at the merchant store, it is implemented as an integrated application program so that funds provided by the payment agency can be flexibly utilized. Can activate circulation and ordering between headquarters and merchants in For example, a franchisee will be able to raise cash liquidity by allowing the customer to flexibly cash up to a certain upper limit based on only the matters secured at the contract with the franchise head office, without depending on a separate lending process.

Those skilled in the art will appreciate that the effects of the present invention are not limited to the above description and can be widely accepted.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram of a simple payment method and an intermediary system for a commodity order according to an exemplary embodiment of the present invention; FIG.
FIG. 2 is a flowchart of a simple payment method according to an exemplary product order of the present invention.
3 is a functional block diagram of an agency server constituting an exemplary intermediary system of the present invention.
4A and 4B are exemplary screens of an integrated interface in which a simple payment method according to an exemplary product order of the present invention and an intermediary system for the same are realized.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram of a payment system according to an embodiment of the present invention; FIG.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS In the following description of the preferred embodiments of the present invention, some of the constituent elements and features of the present invention are known, and if the description of the present invention can obscure the gist of the present invention, The description will be made with reference to the embodiment. However, it is to be understood that the present invention is not limited to specific embodiments, but includes modifications, alterations, modifications, and equivalents which fall within the spirit and scope of the present invention.

The term "comprising" or "comprising" as used herein means that there is a corresponding feature, attribute, configuration, or component, but rather includes only one or more of the other features, attributes, And should not be construed as a limitation upon the scope of the present invention. The term "exemplary" is used herein to mean "serving as an example, instance, or illustration, " and" exemplary " It will not be.

Also, it should be understood that, unless stated explicitly in the singular form herein, it also encompasses one or more than one form, for example, the number of franchisees contracted with a franchise is, in reality, It should be noted that although the physical upper limit can not be distinguished, even if the merchant device is described in this specification as a singular, it is to be understood that the merchant device can be implemented for each individual merchant regardless of the number thereof.

FIG. 1 is a diagram showing an example of a simple settlement method and an intermediary system for a commodity order according to an exemplary embodiment of the present invention. The intermediary system includes a merchant device 10, an agency server 20, and a contractual partner 40 Where the contractual partner 40 can preferably refer to the headquarters of the franchise and the merchant device 10 can be a franchisee that has previously entered into a franchise contract relationship with the contractual partner 40. [

The agency server 20 is a service providing entity capable of performing settlement between a franchise head office and an affiliate shop and allowing funds to be exchanged. The agency server 20 can be understood as a simple payment intermediation system for paying an order for goods according to the present invention, . Typically, the agency server 20 shown in FIG. 1 is capable of flexibly cashing in order to secure cash liquidity, and at the same time, is capable of integrally implementing settlement information and fund settlement between a franchisee and a franchisee It means a server operated by a service entity that can construct and provide a service platform.

The bank server 30a, the bank B server 30b, the C bank server 30c and the D bank server 30d associated with the agency server 20 are connected to a common bank server In the simple payment of the amount of money when ordering a product according to the present invention, an inquiry about the account information of the corresponding merchant shop and a request from each bank server to the main bank pre-designated for each merchant shop based on the merchant shop information received from the merchant shop device An integrated platform and interface may be established between the agency server 20 and each of the bank servers 30a to 30d so that the account transfer to the account of the counterparty 40 can be implemented.

FIG. 2 is a flowchart of a simple payment method according to an exemplary product order of the present invention. As shown in the figure, the order step S10, the authentication step S20, the account balance confirmation step S30, (optionally) the fund raising step S40, and the counterparty account settlement completion step S50.

First, the order step S10 identifies order information of a commodity including a plurality of commodity name information and quantity information per a plurality of commodity names, and transmits order information of commodities together with information on the commodity merchandise device to the agency server do. In this case, the order information of the commodity may include the commodity name and the quantity information thereof, and may include the delivery date of the commodity or the discount rate for the order specified for each merchant apparatus, which is exemplary and not restrictive. The information related to the merchant device includes information such as the shop name of the merchant, the business registration number of the merchant, the type of merchant device (i.e., POS, PC, tablet PC, smart phone, etc.) Electronic communication device) and its unique identification code.

Next, the authentication step (S20) receives the order information of the merchandise and information on the merchant's device from the agency server, and authenticates the order information of the merchandise based on the information about the merchant's device. The order information of the goods can be authenticated by one or more means of identification, two-dimensional barcode data, three-dimensional barcode data, a wire telephone number, a mobile phone number, and a temporary authentication number.

For example, in the case of authenticating with two-dimensional or three-dimensional barcode data, a medium provided as a contract card for orders and orders placed at each franchised store at the franchise head office includes two-dimensional or three-dimensional barcode data, The corresponding barcode data can be read by the interlocked barcode identification means to authenticate the fact that the merchant is in a franchise relationship with the head office and reliable order information received from the merchant.

As another example, in the case of authenticating the order information of the goods received from the affiliated store device by using a wire telephone number or a mobile phone number, a registered mobile phone of an insider having a special relationship with a business operator or a business operator of the merchant Authentication can be done.

When the order information of the product is authenticated by the provisional authentication number, a code number (for example, a four-digit code such as '3423' or the like, '561XAT' A code exceeding four digits including a character) can be authenticated.

Next, the account balance checking step (S30) calculates the total payment amount based on the order information of the merchandise when the order information of the merchandise and the information about the merchant point device are authenticated, And then checks the real-time balance of the account with the bank server using the account information of the associated main bank.

For example, if the main bank registered at the merchant is "Kookmin Bank", since the agency server has information on the order information of the merchandise received from the merchant device and the merchant device, Requesting the inquiry of account information to the main bank "Kookmin Bank", and the server of Kookmin Bank informs the agency server of the account information of the relevant merchant and the real-time balance inquired on the account.

The real-time balance on the house bank account and the total payment amount according to the order information calculated with this exemplary aspect are compared as shown in the following equation.

The real-time balance is equal to or greater than the total payment amount, and it is judged whether or not the cost can be deposited into the account of the contracting party, which is the head office of the franchise, In this case, the process proceeds to the contract partner account settlement completion step (S50), and the total payment amount according to the order information of the goods is transferred from the main bank account of the merchant to the account of the pre-designated contract partner.

On the other hand, if the real-time balance does not reach the total payment amount, the money can not be deposited into the account of the contracting party, which is the head office of the franchise, based on only the cash held by the merchant. In this case, the agency server confirms whether or not a loan account unique to the affiliate store device exists in the agency server based on the information on the affiliate store device, and if it is confirmed that the loan account of the affiliate shop is absent from the agency server, Creates an account, sets an upper limit amount of the loan account based on information on the affiliated store device and information on the contracted party, and interlocks with information on the affiliated store device.

In step S50, the agent server transfers the total payment amount according to the order information of the goods from the loan account assigned to the merchant to the account of the contracted party specified in advance.

According to the simple payment method according to the present invention, it is possible to construct an integrated application program and an interface that can simplify transactions at the time of placing an order between a head office and a franchisee of a franchise, and facilitate settlement of payment In addition, it is also possible to realize distribution and order activation between the headquarters and the franchisees of the franchise by implementing the integrated application program so that the funds provided by the payment agency can be flexibly extended when the liquidity of the cash is lowered at the franchisee Therefore, transactions between the franchise headquarters and the franchisee can be actively performed, and the franchisee can increase the cash liquidity by making it possible to flex the up-to-the-upper limit cash only by the matters secured by the contract with the franchise head office,

3 is a functional block diagram of an agency server 20 constituting an exemplary intermediary system according to the present invention and includes an order information receiving module 21, an authentication module 22, a calculating module 23, an account information storing module 24 ), A bank server interworking module 25, a loan account activating module 26, and a transfer module 27. However, this configuration example is merely an exemplary aspect of the agency server 20, and is not necessarily limited to this configuration example.

The order information receiving module 21 receives the order information of the goods from the merchant equipment together with information on the merchant equipment.

The authentication module 22 authenticates whether the merchant has been effectively ordered from the merchant based on the information about the merchant device. The authentication module 22 may be configured to authenticate the authentication information (e.g., RF ID, two-dimensional barcode data, (At least one or more of bar code data, a wire telephone number, a mobile phone number, and a temporary authentication number of the product).

The calculation module 23 calculates the total payment amount based on the order information of the merchandise when the order information of the merchandise and the information about the merchant's equipment are authenticated, and the account information storage module 24 stores a dictionary Associate the account information of the registered house bank.

The bank server interworking module 25 requests real time balance information of the account to the bank server using the account information of the main bank and receives the real time balance information from the bank server.

The loan account activation module 26 creates a loan account unique to the merchant device and sets a limit amount of the loan account based on the information on the merchant device and the information on the counterparty.

The transfer module 27 transfers the total payment amount to the account of the pre-designated contracting party. As described with reference to FIG. 2, the real-time balance on the account of the main bank received from the bank server interworking module 25 If the real-time balance received from the bank server interworking module 25 is less than the total payment amount, the total payment amount is transferred from the account of the main bank to the account of the pre- Activates the loan account with the account activation module 26 and transfers the total payment amount from the loan account to the account of the pre-designated counterparty.

4A and 4B are exemplary screens of an integrated interface in which a simple payment method according to an exemplary product order of the present invention and an intermediary system for the same are realized.

First, referring to FIG. 4A, it can be understood that an order for an article is issued to a franchise head office at an affiliate shop. The article name 1001, the article unit price 1002, the article quantity 1003 and the order amount 1004 are displayed and the total order amount 1005 corresponding to the article name 1001 is displayed at the lower right corner.

The ordering information of the goods or raw materials may be confirmed and the merchant device may transmit the order information of the goods to the franchise head office through the agency server through the confirmation 1010 area.

4B, after the authentication of the merchant device and the order information is performed, the agent server requests the server of the main bank of the corresponding merchant to display the real-time balance amount held on the inquired main bank, Illustrate exemplary aspects of an application program or platform that is output so that the franchisee device can determine whether to transfer from the main bank account to the franchise's head office.

The main bank information of the merchant is displayed in the area 1006, and the real-time balance of the account appears in the area 1007. Accordingly, if the real-time balance is equal to or greater than the total order amount, transfer to the ordered contents can be immediately performed.

As described above, it is apparent that the simple payment method and the mediating system for the commodity according to the order of goods disclosed herein can be implemented in the form of a computer program, and can be implemented as an application program, a platform, and a firmware.

A code for identifying order information of the merchandise including a plurality of merchandise name information and quantity information for each of the plurality of merchandise names, A code for transmitting order information of the merchandise from the merchant device to the agency server together with information on the merchant device; A code for receiving order information of the merchandise and information on the merchant device in the agency server and authenticating the order information of the merchandise based on the information about the merchant device; A code for calculating a total payment amount based on the order information of the merchandise and associating it with the account information of the main bank registered in advance with respect to the merchant device when the order information of the merchandise and the information about the merchant device are authenticated, ; A code for confirming the real-time balance of the account at the bank server using the account information of the associated main bank; And a code for transferring the total payment amount according to the order information of the commodity from the account to the account of the contracting party specified in advance when the total payment amount is less than the real time balance of the account.

In addition, the functions described herein may be implemented by hardware, software, firmware, or a combination thereof. When executed by software, the function may be stored on or transmitted via a computer-readable storage medium as one or more instructions or code. Computer-readable storage media generally refers to any available media that can be accessed by a computer.

It should be understood that the example modules, logic blocks, means, steps or combinations thereof in connection with the embodiments described herein may be implemented as electronic hardware (digital designs designed by coding or the like), software (various types of applications including program instructions) Or a combination of these. Hardware, and / or software may vary depending on design constraints imposed on the user terminal.

Although the description herein has been made in some illustrative aspects, various modifications and variations can be made from the categories defined by the following claims, and the technical scope of the invention is defined in the following claims It should be decided by.

10: merchant device
20: agency server
30a to 30d: bank server
40: Contracting party
21: Order information receiving module
22: Authentication module
23: Calculation module
24: Account information storage module
25: Bank server interworking module
26: Loan Account Activation Module
27: Transfer module

Claims (11)

Identifying merchandise order information of the merchandise including a plurality of merchandise name information and quantity information of the plurality of merchandise names;
Transmitting order information of the goods from the merchant device to the agency server together with information on the merchant device;
Receiving order information of the goods and information on the merchant device from the agency server and authenticating the order information of the goods based on the information about the merchant device;
Calculating a total payment amount based on the order information of the merchandise and associating the total payment amount with the account information of the main bank registered in advance with the merchant device when the order information of the merchandise and information on the merchant device are authenticated;
Checking the real-time balance of the account at the bank server using the account information of the associated main bank; And
Transferring the total payment amount according to the order information of the commodity from the account to the account of the contracting party specified in advance when the total payment amount is less than the real time balance of the account; or
Determining whether a credit account unique to the affiliate store device is present in the agency server based on the information on the affiliate shop device when the total payment amount exceeds the real time balance of the account;
/ RTI >
Easy payment method according to the order of goods.
The method according to claim 1,
If the total payment amount exceeds the real time balance of the account,
If the lending account is absent from the agency server and a signal relating to the opening of the lending account is inputted, the lending account is created and the lending account amount automatic setting factor calculated from the information on the merchant device and the information on the contracting party And setting an upper limit amount of the loan account based on the credit amount and linking the information with the information about the affiliate store device. The automatic setting factor of the loan account amount includes a credit rating of the contractual partner, a deposit paid by the contractual partner, The contracted party, the designated number of affiliated merchants, and the financial statement information of the contracted party; And
Transferring the total payment amount according to the order information of the commodity from the loan account to the account of the pre-designated contractual counterpart;
≪ / RTI >
Easy payment method according to the order of goods.
The method according to claim 1,
If the total payment amount exceeds the real time balance of the account,
Designating the account information of the associated main bank as a loan account when the loan account is absent from the agency server and a signal relating to the non-opening of the loan account is input; And
Transferring the total payment amount according to the order information of the commodity from the loan account to the account of the pre-designated contractual counterpart;
≪ / RTI >
Easy payment method according to the order of goods.
The method according to claim 1,
If the total payment amount exceeds the real time balance of the account,
Transferring the total payment amount according to the order information of the commodity from the loan account to the account of the pre-designated contractual counterpart, if it is confirmed that the loan account exists in the agency server
≪ / RTI >
Easy payment method according to the order of goods.
5. The method according to at least one of claims 2 to 4,
Wherein the authenticating step authenticates the order information of the goods by at least one of RF ID (Radio Frequency Identification), two-dimensional bar code data, three-dimensional bar code data, wire telephone number, mobile phone number, ≪ / RTI >
Easy payment method according to the order of goods.
6. The method of claim 5,
Wherein the merchant device is at least one of a POS, a PC, a tablet PC, and a smartphone of a merchant.
Easy payment method according to the order of goods.
The method according to claim 6,
Wherein the information on the merchant device includes the merchant name, the merchant registration number of the merchant, the type of the merchant device, and the unique identification code of the merchant device.
Easy payment method according to the order of goods.
1. A mediation system for simple settlement of payment in accordance with an order for goods, comprising an affiliate store device, an agency server, and a contractual partner device,
Wherein the merchant device includes input means including a keyboard, a mouse, a virtual keyboard, and a microphone for receiving order information of a product including a plurality of product name information and quantity information for each of the plurality of product names,
The agency server,
An order information receiving module that receives order information of the goods together with information on the merchant device;
The order information of the merchandise is authenticated by at least one of an RF ID, two-dimensional barcode data, three-dimensional barcode data, a wire telephone number, a mobile phone number, and a temporary authentication number, Authentication module;
A calculation module for calculating a total payment amount according to the order information of the goods when the order information of the goods and the information about the franchisee device are authenticated;
An account information storage module for associating the account information of the main bank registered in advance with the merchant device;
A bank server interworking module for requesting real time balance information of the account to a bank server using the account information of the main bank and receiving the real time balance information from the bank server; And
A transfer module for transferring the total payment amount to an account of the contracting party specified in advance;
≪ / RTI >
A brokerage system for easy settlement of payment by order of goods.
9. The method of claim 8,
The agency server further comprises a loan account activation module for creating a loan account unique to the merchant device and setting a limit amount of the loan account based on information on the affiliate store device and information on the contracting party Features,
A brokerage system for easy settlement of payment by order of goods.
10. The method of claim 9,
The transfer module includes:
When the real balance in the account of the main bank received from the bank server interworking module is equal to or larger than the total payment amount, the total payment amount is transferred from the account of the main bank to the account of the pre-
Activating the loan account with the loan account activation module and transferring the total payment amount from the loan account to the account of the pre-designated counterpart party if the real-time balance received from the bank server interworking module is less than the total payment amount Features,
A brokerage system for easy settlement of payment by order of goods.
11. The method of claim 10,
Wherein the order information receiving module, the authentication module, the calculating module, the account information storing module, the bank server linking module, the loan account activating module, and the transfer module are encrypted.
A brokerage system for easy settlement of payment by order of goods.

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