KR20170099438A - Method for Providing Supplementary Service by Using Payment Window - Google Patents
Method for Providing Supplementary Service by Using Payment Window Download PDFInfo
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- KR20170099438A KR20170099438A KR1020160021169A KR20160021169A KR20170099438A KR 20170099438 A KR20170099438 A KR 20170099438A KR 1020160021169 A KR1020160021169 A KR 1020160021169A KR 20160021169 A KR20160021169 A KR 20160021169A KR 20170099438 A KR20170099438 A KR 20170099438A
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- service
- settlement
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- additional service
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/14—Payment architectures specially adapted for billing systems
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- Finance (AREA)
- Engineering & Computer Science (AREA)
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- General Business, Economics & Management (AREA)
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- Development Economics (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention relates to a method of providing an additional service using a settlement window, and a method of providing an additional service using a settlement window executed by a server provided in a settlement intermediary company according to the present invention is provided to a customer purchasing goods at a shopping mall or online A second step of providing the additional service information to the customer terminal including the additional service information in a settlement window created when the customer makes a payment request; A third step of summing the settlement amount for the purchase of the commodity and the settlement amount for the use of the supplementary service so that the settlement is processed; The fourth step of distinguishing between the settlement of the settlement amount for the use and the settlement of the settlement amount for the purchase of the commodity It includes.
Description
The present invention provides an area in which a customer can apply for an additional service (for example, an additional service for compensating for various damages that may occur between payment and delivery) in a predetermined area of a payment window provided to a customer terminal at the time of payment in a shopping mall The present invention relates to a method of providing an additional service using a payment window so that a customer can easily process an application of various additional services together with settlement.
Recently, as the online shopping mall market has surged, many customers are using online shopping malls. The customer using the online shopping mall has a need for various services, but there are limitations on the services that the shopping mall itself can provide, so that a process for providing and paying the additional services separated from the shopping mall .
Korean Patent Application No. 10-2002-0020569 (published on March 15, 2002) relates to a purchase and return system and a method thereof (hereinafter referred to as prior patent 1) that reflects a service level and a customer's rating, We will pay the customer a loss of costs incurred as a result of return, loss, and delayed transportation and return of the customer, giving the difference price and service according to the return, and transferring the claim to the creditworthiness of the seller and the creditworthiness of the transportation company , Which includes the provision of higher quality services to customers who use e-commerce by adjusting insurance rates and paying premiums from insurance companies.
However, in this case, it can be regarded merely as a royalty service to the purchasing customer, and it is difficult to view the additional service provided by a third party other than the seller (for example, a shopping mall) It is difficult to carry out.
It is an object of the present invention to overcome the above-mentioned problems by providing a service area for a supplementary service in a certain area of a payment window provided to a customer's terminal at the time of payment at a shopping mall, It is easy to handle the application of service with payment
A method of providing an additional service using a payment window executed by a server provided in a billing intermediary company according to the present invention includes a first step of storing additional service information that can be provided to a shopping mall or a customer who purchases a product online, A second step of providing the supplementary service information to the terminal of the customer in a payment window created upon request; and a second step of providing the supplementary service information to the terminal of the customer when the consent of the customer on the use of the supplementary service is confirmed, A third step of summing the settlement amount for the use of the service and processing the settlement; and a settlement amount calculation unit for calculating settlement amount for use of the supplementary service and settlement amount And a fourth step of sorting and processing the settlement of the settlement amount.
Here, the additional service information may include at least one of an additional service name, an additional service use amount, an additional service content, a service condition, and an additional service use consent check box.
In addition, the additional service may include compensation for loss of commodity purchase amount that can be issued online and cancellation of a settlement amount, purchase warrant extension guarantee and compensation, virtual phone number, return cost compensation, courier service fee, phishing / Compensation service, credit management service, text notification service, name protection service, debt obligation service, and point service.
According to the present invention, the second step may further include determining whether to include supplementary service information in the payment window based on at least one of the customer's personal information, product information, and shopping mall information have.
According to the present invention, the fourth step may further include the step of processing to issue a bill or a bill or a receipt issued to the customer separately for the purchase of the goods and for the use of the supplementary service .
According to the present invention, it is possible to provide a simultaneous settlement process and a separate settlement service for a product purchase and an additional service on a shopping mall or an online shopping mall by utilizing a payment window, and in particular, Separate settlement between operators and separate issuance of receipts (or bills, slips, etc.) are available.
FIG. 1 is a diagram illustrating a configuration of an additional service providing system using a payment window according to an embodiment of the present invention. Referring to FIG.
2 is a diagram illustrating a process of providing an additional service using a payment window according to an embodiment of the present invention.
3A and 3B are views illustrating a payment window including additional service information according to the present invention.
DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.
In the following description 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 invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.
As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.
FIG. 1 is a diagram illustrating a configuration of an additional service providing system using a settlement window according to an embodiment of the present invention.
In more detail, FIG. 1 illustrates a case where a customer accesses an online shopping mall by requesting a payment service provided by a customer, , The settlement for the use of the additional service and the settlement for the purchase of the commodity are summed up, and the settlement for the summed settlement is made by the settlement of the settlement amount for the use of the supplementary service and the settlement of the settlement amount for the purchase of the commodity And a billing window for separating and processing the billing window. The billing window can be viewed and / or modified by those skilled in the art. Various embodiments of the configuration of the additional service providing system using the present invention can be inferred, All of the above-described embodiments are included, and the technical features thereof are not limited only by the method shown in FIG.
Referring to FIG. 1, an additional service providing system using a payment window includes a server 100 provided in a billing intermediary company to provide an additional service through a payment window provided to an online shopping mall payment customer terminal 140, A customer terminal 140 that receives a payment window including additional service information from the server 100 when a payment is requested according to the purchase of the product, a shopping mall 145 that sells products on-line, And an additional service server 150 provided to the additional service provider and providing a predetermined additional service to the payment requesting client through the server 100. [
The customer terminal 140 may include all of a wireless terminal such as a PC and a wireless terminal such as a smart phone. The customer accesses the shopping mall 145 through the customer terminal 140 to select a desired product, Can be requested.
Thereafter, a settlement window for a settlement request is provided to the customer terminal 140. According to the present invention, the settlement window can be provided with additional service information that the customer can select.
For example, the supplementary service may be a care service for compensating for various damages that may occur between payment and delivery.
The additional service information may include at least one of an additional service name, an additional service usage amount, a service condition, a supplementary service content, and an additional service usage agreement check for the additional service.
In addition, the additional service may include compensation for loss of commodity purchase amount that can be issued online and cancellation of a settlement amount, purchase warrant extension guarantee and compensation, virtual phone number, return cost compensation, courier service fee, phishing / Compensation, credit management services, text messaging services, name protection services, debt grace services, and point services.
The customer can select whether to use the supplementary service through the payment window provided to the customer terminal 140. When the user selects the supplementary service, the payment amount for the purchase of the product and the payment amount for the use of the supplementary service can be summed up and processed have.
The additional service server 150 may be provided in an additional service provider, and the additional service provider may be provided in a billing company or in a separate company.
The server 100 includes an additional service storage unit 105, a payment request confirmation unit 110, an additional service provision determination unit 115, a payment window providing unit 120, a total payment processing unit 125, A separation and settlement processing unit 130, and a storage medium.
The additional service storage unit 105 stores and manages information on one or more additional services provided from the supplementary service server 150.
The additional service information may be stored separately for each additional service provider, shopping mall, customer, and product.
The payment request confirmation unit 110 can check whether there is a payment request for purchase of goods from the customer terminal 140 connected to the shopping mall 145. [
The settlement request confirmation unit 110 can further confirm the customer information, shopping mall information, and purchase product information requesting settlement.
The settlement request confirmation of the settlement request confirmation unit 110 is provided to the supplementary service provision determination unit 115. [
When the payment request is confirmed from the customer terminal 140 through the payment request confirmation unit 110, the supplementary service provision determination unit 115 adds supplementary service information to the payment window provided to the customer terminal 140 according to the present invention Can be included.
According to another embodiment of the present invention, the supplementary service provision determination unit 115 can determine which supplementary service information is to be provided to the customer terminal 140.
For example, depending on who the customer is, or what the customer purchased the product, or where the shopping mall the customer purchases the product, additional services that can be provided to the customer may exist or be different.
For example, if the customer frequently uses the compensation service related to product damage or delay in delivery as an additional service, the supplementary service provision determining unit 115 may determine to provide the supplementary service related to the compensation service.
The payment processing unit 120 determines whether the customer is to provide an additional service through the additional service provision determination unit 115 and if the additional service that can be provided to the customer is confirmed, And may include the additional service information that can be provided to the customer in the process of creating the payment window according to the request.
Alternatively, the settlement rendering unit 120 may include additional service information that can be provided to the customer in a payment window created to be provided to the customer terminal 140.
The billing windowing unit 120 provides the settlement window including the additional service information to the customer terminal 140 to allow the customer to perform settlement and at the same time notify the additional service and induce the user to simultaneously process the payment for the additional service .
After the settlement window including the additional service information is provided to the customer terminal 140 through the settlement window providing unit 120, the sum settlement processing unit 125 may select the use of the additional service included in the settlement window, , The settlement for the use of the additional service and the settlement for the purchase of the commodity are summed and processed.
For example, if the purchase amount of the commodity is 10,000 won, and the additional service use amount is 100, if the customer agrees to use the supplementary service, the user can make payment processing for 10,100 won, which is the sum of the commodity purchase amount and the supplementary service use amount .
The settlement processing unit 130 performs the settlement for the summed and processed settlement after the settlement for the use of additional services and the settlement for the purchase of goods are summed and processed through the sum settlement processing unit 125, It is possible to distinguish between the settlement of the settlement amount for the use of the service and the settlement of the settlement amount for the purchase of the goods.
For example, if the shopping mall business entity and the additional service provider are not the same business entity, the separation settlement processing section 130 may perform settlement by separating each business entity for the amount of the simultaneous sum settlement processing.
In this process, the separation and settlement processor 130 may issue a bill, a bill or a receipt to be issued to the customer separately for the purchase of the commodity and for the use of the supplementary service.
The storage medium 135 may include additional service information that can be provided and policy information for providing an additional service.
2 is a diagram illustrating a process of providing an additional service using a payment window according to an embodiment of the present invention.
2 is a diagram illustrating an example of an additional service providing system using a payment window shown in FIG. 1, in which, when a payment is made to a customer connected to an online shopping mall, If the customer agrees to use the additional service, it is possible to allow the payment for the additional service and the settlement for the purchase of the goods to be summed and processed, and the settlement for the summed settlement can be used for the use of the additional service And a payment window for settlement of the settlement amount for the purchase of the goods. The present invention is not limited to the above-described exemplary embodiments, Referring to and / or modifying FIG. 2, a variety of methods for providing additional services using the payment window Would be able to infer when the method, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 2.
Referring to FIG. 2, the additional service providing process using the payment window shown in FIG. 1 may be started from a process of storing additional service information that can be provided by the server 100 provided in the settlement intermediary company at the time of payment 200).
For example, the supplementary service may be a care service for compensating for various damages that may occur between payment and delivery.
The additional service information may include at least one of an additional service name, an additional service usage amount, an additional service content, and an additional service use agreement check field for the additional service.
In addition, the additional service information may be stored separately for each additional service provider, shopping mall, customer, and product.
When a settlement request for purchasing goods occurs from the customer terminal 140 connected to the shopping mall 145 (205), the server 100 can check the additional service information available to the customer (210).
For example, depending on who the customer is, or what the customer purchased the product, or where the shopping mall the customer purchases the product, additional services that can be provided to the customer may exist or be different.
When the additional service information that can be provided to the customer is confirmed, the server 100 may provide the determined additional service information to the customer terminal 140 in a payment window to be provided to the customer terminal 140.
If a payment window containing the supplementary service information is provided to the client terminal 140 and the client terminal 140 obtains the approval of the use of the supplementary service included in the payment window from the client terminal 140, (225) the sum of the additional service usage amount and the purchase amount of the commodity.
Thereafter, the server 100 separates and processes the purchase of the goods and the settlement for the use of the additional services at the time of settlement of the settlement amount (230). If the customer requests to issue a receipt (or a bill or a slip) The receipt for the purchase and the receipt for the use of the supplementary service can be separately issued and processed (235).
FIGS. 3A and 3B illustrate a payment window including additional service information according to the present invention.
3A and 3B illustrate additional service information provided to the customer terminal 140 through the process of FIG. 2 through the server 100 on the additional service providing system using the payment window shown in FIG. 1 The billing window including the additional service information is displayed by referring to FIGS. 3A and 3B, if it is a person skilled in the art to which the present invention belongs. It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.
Referring to FIG. 3A, an example of a payment window including supplementary service information when using an online service is shown in red in a region where supplementary service information is displayed.
As the additional service information, the name of the additional service, the contents, and the total amount of payment in which the use of the additional service is added are provided.
Referring to FIG. 3B, an example of a payment window including additional service information when using a mobile service is shown in red, in which the additional service information is displayed.
100: server 105: additional service storage unit
110: payment request confirmation unit 115:
120: Payment window providing unit 125: Total payment processing unit
130: dispersion and settlement processing unit 135: storage medium
140: customer terminal 145: shopping mall
150: Additional service server
Claims (5)
A first step of storing additional service information that can be provided to a customer who purchases a product in a shopping mall or online;
A second step of providing the additional service information to the customer terminal including the additional service information in a payment window created when the customer makes a payment request;
A third step of, if the consent of the customer for the use of the supplementary service is confirmed, summing the payment amount for the purchase of the commodity and the payment amount for the use of the supplementary service to process the payment;
And a fourth step of separately processing settlement of settlement amount for use of the supplementary service and settlement of settlement amount for purchase of the product at the time of settlement for the summed and processed settlement, Delivery method.
Wherein the service information includes at least one of an additional service name, an additional service use amount, an additional service content, a service agreement, and an agreement to use an additional service.
Compensation for loss of commodity purchase amount that can be issued online, cancellation of payment amount, extension of purchase reparation warranty and compensation, virtual phone number, return cost compensation, courier service reward, phishing / hacking financial fraud compensation, credit management service, A notification service, a name protection service, a deferred payment service, and a point service.
And determining whether to include supplementary service information in the payment window based on at least one of the customer's personal information, product information, and shopping mall information. Way.
Further comprising the steps of: issuing a bill or a slip or receipt issued to the customer separately for the purchase of the goods and for the use of the supplementary service; Delivery method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020160021169A KR20170099438A (en) | 2016-02-23 | 2016-02-23 | Method for Providing Supplementary Service by Using Payment Window |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020160021169A KR20170099438A (en) | 2016-02-23 | 2016-02-23 | Method for Providing Supplementary Service by Using Payment Window |
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| Publication Number | Publication Date |
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| KR20170099438A true KR20170099438A (en) | 2017-09-01 |
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| Application Number | Title | Priority Date | Filing Date |
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| KR1020160021169A KR20170099438A (en) | 2016-02-23 | 2016-02-23 | Method for Providing Supplementary Service by Using Payment Window |
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