KR20170139332A - Method and system for processing paymanet according to ordering by telephone - Google Patents

Abstract

Disclosed are a method and a system for processing payment which can increase safety in payment since an order is made without providing payment information of a user to a vendor side by preliminarily authenticating before ordering. The method for processing payment in a payment server comprises the steps of: receiving a password from an electronic device before connection for ordering between the electronic device and a vendor; preliminarily authenticating payment on a product or a service to order through the vendor by the user using the password before actually processing the payment; and transmitting order information due to the preliminary authentication to a device in the vendor side.

Description

METHOD AND SYSTEM FOR PROCESSING PAYMENT ACCORDING TO ORDERING BY TELEPHONE

The following description relates to a method and system for processing a payment.

When users want to purchase a product or service by telephone order, such as order / delivery using a telephone, the user uses the telephone to call the desired company's telephone number and orders the desired product or service. In this case, a company person (for example, a delivery person) visits a place desired by the user, such as a user's home, in order to provide the goods or services ordered, Lt; / RTI >

At this time, there is a conventional technology for processing payment for an order at the time of telephone order for ease of settlement and processing of a receipt. For example, Korean Patent Laid-Open Publication No. 10-2005-0106209 relates to a system and method for paying a bill on the basis of a telephone order. When a caller places an order using a telephone, authentication of the receiver and the caller, Payment for orders, issuance of receipts for transactions, and the like. However, this conventional technology has a problem that interworking between a telephone network and a payment server for an order telephone for settlement is required. In addition, from the viewpoint of the purchaser, there is a problem in that, in connection with the final settlement amount determined through telephone ordering, it is required to re-engage in the actual settlement.

A payment processing method and system capable of post-processing a payment based on an order using a telephone, a chat, and the like before ordering and post-processing the actual payment after the order without involving the user.

The present invention provides a payment processing method and system that can increase the stability of settlement because orders can be made without providing the payment information of the user to the company side according to pre-order pre-authorization.

A method of processing a payment at a payment server, the method comprising: receiving a password from the electronic device prior to connection for ordering between the electronic device and the business entity; The user of the electronic device pre-authenticates the settlement of the goods or services to be ordered through the vendor using the password before processing the actual payment; And transmitting the order information according to the pre-authentication to the device of the vendor.

According to one aspect of the present invention, the payment processing method further includes providing a user interface page for receiving the password and delivering the password to the payment server, And providing an order function including a link in association with information on the vendor.

According to another aspect of the present invention, there is provided a method for providing a user interface page to an electronic device, the method comprising: providing the electronic device with the user interface page in accordance with information on the vendor and the order function in the electronic device provided with the order function, May receive the password input through the user interface page provided in the electronic device.

According to another aspect of the present invention, the medium includes a portal site that provides at least a search service, and the information about the business and the order function are provided through the search service.

According to another aspect of the present invention, the pre-authentication step may include pre-authenticating the payment using the password of the simple settlement service that the user inputs to the user interface page provided through the order function.

According to another aspect, the link included in the order function includes (1) an on-line document provided through the medium, (2) an on-line or off-line image code provided through the medium, or (3) Or at least one of a Short Message Service (SMS) message, a Multimedia Message Service (MMS) message, and an instant message provided in association with the vendor.

According to another aspect of the present invention, the order information includes an order number corresponding to an order between the electronic device and the vendor, and a telephone number of a user of the electronic device.

According to another aspect of the present invention, an order is determined using information input from an administrator of the vendor and the order information according to a connection between the electronic device and the vendor, and the settlement processing method includes: Further comprising the step of post-processing the actual payment for the requested payment amount using the password in accordance with the received request, upon receipt of the request for settlement according to the confirmation of the settlement amount.

According to another aspect of the present invention, the password includes a simple settlement password for a simple settlement service provided by the settlement server, and the step of post-processing the actual settlement includes: And the post-processing means may communicate with the server of the corresponding settlement institution and post-process the settlement payment, which has been pre-authenticated through the simple settlement password, with respect to the settlement amount.

According to another aspect, the identification of the user in the simple settlement service is identified through identification of the user in the medium providing a link to the user interface page for inputting the password.

According to another aspect of the present invention, the connection for ordering between the electronic device and the vendor includes a connection using a telephone call or a connection using a chat service.

A payment processing system of a payment server for processing a payment, the payment processing system comprising: at least one processor implemented to execute a computer-readable instruction, the at least one processor comprising: A password is received from the electronic device, and the user pre-authenticates the settlement of the goods or service to be ordered through the vendor through the password before processing of the actual settlement, And transmits it to the device of the vendor.

A method of processing settlement in an electronic device, comprising: recognizing a user's selection input for an order function with a business associated with the order; Receiving and displaying a user interface associated with the order function according to the recognized selection input; Transmitting a password input through the user interface to a payment server; And attempting to make a connection for ordering with the vendor.

It is possible to pre-order payment by order using phone or chat, and post-process the actual payment after the order without user's involvement.

In addition, according to the pre-order pre-authentication, it is possible to place an order without providing the user's payment information to the business side, which can enhance the stability of payment.

1 is a diagram illustrating an example of a network environment according to an embodiment of the present invention.
2 is a block diagram illustrating an internal configuration of an electronic device and a server according to an embodiment of the present invention.
3 is a diagram illustrating an example of a more specific telephone ordering and payment environment in one embodiment of the present invention.
4 is a diagram illustrating a first example of a situation in which a telephone order function is selected in an embodiment of the present invention.
5 is a diagram illustrating an example in which a user interface for inputting a password is provided according to an embodiment of the present invention in which a telephone order function is selected.
6 is a diagram showing an example of a screen for inducing registration to a settlement service for simple settlement in an embodiment of the present invention.
7 is a diagram illustrating an example of a POS screen of a vendor in an embodiment of the present invention.
FIG. 8 is a diagram illustrating an example of communication between an orderer and a manager of a company in an embodiment of the present invention.
9 is a view showing another example of a POS screen of a vendor in an embodiment of the present invention.
10 is a diagram showing an example of a notification provided to an orderer in an embodiment of the present invention.
11 shows an example in which a link including a telephone order function is included in a two-dimensional code in an embodiment of the present invention.
12 shows an example of a link included in a message in an embodiment of the present invention.
13 is a block diagram illustrating an example of components that a processor of a payment server may include in an embodiment of the present invention.
FIG. 14 is a flowchart illustrating an example of a method that a payment server can perform in an embodiment of the present invention.
15 is a block diagram illustrating an example of components that a processor of a vendor-side device may include in an embodiment of the present invention.
16 is a flowchart showing an example of a method that a vendor-side device can perform in an embodiment of the present invention.
17 is a block diagram illustrating an example of components that a processor of an electronic device of a purchaser may include in an embodiment of the present invention.
FIG. 18 is a flowchart showing an example of a method that can be performed by an electronic apparatus of a customer in an embodiment of the present invention. FIG.

Hereinafter, embodiments will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating an example of a network environment according to an embodiment of the present invention. 1 shows an example in which the network environment includes a plurality of electronic devices 110, 120, 130 and 140, a server 150 and a network 170. [ 1, the number of electronic devices and the number of servers are not limited to those shown in FIG.

The plurality of electronic devices 110, 120, 130, 140 may be a fixed terminal implemented as a computer device or a mobile terminal. Examples of the plurality of electronic devices 110, 120, 130 and 140 include a smart phone, a mobile phone, a navigation device, a computer, a notebook, a digital broadcast terminal, a PDA (Personal Digital Assistants) ), A tablet PC, and a POS (Point Of Sales) terminal. For example, although FIG. 1 illustrates the shape of a smartphone as an example of the electronic device 110, in embodiments of the present invention, other electronic devices 120 (for example, , 130, 140) and / or a server 150. In addition,

The communication method is not limited, and may include a communication method using a communication network (for example, a mobile communication network, a wired Internet, a wireless Internet, a broadcasting network) that the network 170 may include, as well as a short-range wireless communication between the devices. For example, the network 170 may be a personal area network (LAN), a local area network (LAN), a campus area network (CAN), a metropolitan area network (MAN), a wide area network (WAN) , A network such as the Internet, and the like. The network 170 may also include any one or more of a network topology including a bus network, a star network, a ring network, a mesh network, a star-bus network, a tree or a hierarchical network, It is not limited.

The server 150 is a computer device or a plurality of computer devices that communicate with a plurality of electronic devices 110, 120, 130 and 140 via a network 170 to provide commands, codes, files, contents, Can be implemented. For example, the server 150 may be a payment server providing a simple settlement service to a plurality of electronic devices 110, 120, 130, and 140 connected through a network. Easy payment service is a service that allows users to pay by simply inputting a password for easy payment when they register a card or bank account that was used for the first payment without authenticating a certificate or text message authentication. , A service for allowing a user to search for and pay for a product, a refund, etc. without a procedure such as inputting a delivery address, and a payment service for digital contents such as a sound source and Webtoon are commercialized. In the embodiments of the present invention, the server 150 pre-authenticates the settlement of payment according to the order between the user and the company prior to connection for order between the user and the manager using the simple settlement service, It is possible to implement a payment processing system for providing a payment service that can be processed. Although it is described in the present embodiment that one server 150 implements a payment processing system for convenience of explanation, the server 150 may include a plurality of server devices that collaborate to implement a payment processing system .

2 is a block diagram illustrating an internal configuration of an electronic device and a server according to an embodiment of the present invention. 2, the internal configuration of the electronic device 1 (110) and the electronic device 2 (120) as examples of the electronic device and the server 150 as an example of the server will be described. Other electronic devices 130 and 140 may also have the same or similar internal configuration as electronic device 1 110 or electronic device 2 120. [

The electronic device 1 110, the electronic device 2 120 and the server 150 include memories 211, 221 and 231, processors 212, 222 and 232, communication modules 213, 223 and 233 and an input / 214, 224, 234). The memory 211, 221, and 231 may be a computer-readable recording medium and may include a permanent mass storage device such as a random access memory (RAM), a read only memory (ROM), and a disk drive have. Here, the ROM and the non-decaying large capacity recording device may be included as separate permanent storage devices separately from the memories 211, 221, and 231. [ The operating system or at least one program code (for example, a code for a browser installed in the electronic device 1 (110) or an application for providing a specific service) may be stored in the memories 211, 221 and 231 have. These software components may be loaded from a computer-readable recording medium separate from the memories 211, 221, and 231. Such a computer-readable recording medium may include a computer-readable recording medium such as a floppy drive, a disk, a tape, a DVD / CD-ROM drive, and a memory card. In other embodiments, the software components may be loaded into memory 211, 221, 231 via communication modules 213, 223, 233 rather than a computer readable recording medium. For example, at least one program may be stored in a memory (not shown) based on a program (e.g., the above-described application) installed by files provided by a file distribution system that distributes installation files of developers or applications. 211, 221, 231).

The processors 212, 222, and 232 may be configured to process instructions of a computer program by performing basic arithmetic, logic, and input / output operations, and the like. An instruction may be provided to the processor 212, 222, 232 by the memory 211, 221, 231 or the communication module 213, 223, 233. For example, the processor 212, 222, 232 may be configured to execute instructions received in accordance with a program code stored in a recording device, such as memory 211, 221, 231.

The communication modules 213, 223 and 233 may provide functions for the electronic device 1 110, the electronic device 2 120 and the server 150 to communicate with each other via the network 170, For example, the electronic device 3 (130)). For example, a request (for example, a request for a messenger service) generated by a processor 212 of the electronic device 1 (110) according to a program code stored in a recording device such as the memory 211 is transmitted to the control of the communication module 213 And then to the server 150 via the network 170. [ Conversely, control signals, commands, contents, files, and the like provided under the control of the processor 222 of the server 150 are transmitted to the communication module 223 of the electronic device 110 via the communication module 223 and the network 170 213 to the electronic device 1 (110). For example, control signals and commands of the server 150 received through the communication module 213 may be transmitted to the processor 212 or the memory 211, May be stored as a storage medium that may further include a < RTI ID = 0.0 >

The input / output interfaces 214 and 234 may be means for interfacing with the input / output devices 215 and 235). For example, the input device may include a device such as a keyboard or a mouse, and the output device may include a device such as a display. As another example, the input / output interfaces 214 and 234 may be means for interfacing with a device having integrated functions for input and output, such as a touch screen. The input / output interface 224 of the server 150 may be connected to the server 150 or may be a means for interfacing with a device (not shown) for input and / or output that the server 150 may include. More specifically, the processor 212 of the electronic device 1 (110) uses the data provided by the server 150 or the electronic device 2 (120) in processing commands of the computer program loaded in the memory 211 A service screen or contents can be displayed on the display through the input / output interface 214. [

Also, in other embodiments, electronic device 1 110, electronic device 2 120, and server 150 may include more components than the components of FIG. However, there is no need to clearly illustrate most prior art components. For example, electronic device 1 110 may be implemented to include at least a portion of input / output devices 215 described above, or may be implemented with other components such as a transceiver, Global Positioning System (GPS) module, camera, Elements. More specifically, when the electronic device 1 (110) is a smart phone, it may be an acceleration sensor, a gyro sensor, a camera, various physical buttons, buttons using a touch panel, input / output ports, It is to be understood that the present invention may be embodied in various forms without departing from the spirit or scope of the invention. In this case, the communication module 213 of the electronic device 110 may further include a function for communicating with a wired or wireless telephone through a telephone network, and the network 170 may include a telephone network.

3 is a diagram illustrating an example of a more specific telephone ordering and payment environment in one embodiment of the present invention. 3 shows the electronic device 310 of the customer, the telephone 320 of the company, the device 330 of the company, and the payment server 340. [

The customer's electronic device 310 may be implemented as the electronic device 1 110 described above and communicates with the payment server 340 via the network 170 and may be connected to the telephone 320 of the business through the telephone network. And a device such as a smart phone capable of conducting a call.

The company's telephone 320 may be a device capable of communicating with the customer's electronic device 310 via a wired or wireless telephone network. In addition, the vendor-side device 330 can be implemented, for example, as the above-described electronic device 2 120, and can generally include functions and / or components for POS (Point Of Sales). Although the company's telephone 320 and the vendor-side device 330 are represented as individual devices in FIG. 3, they may be implemented as one device according to the embodiment. For example, both a call function with a customer's electronic device 310 and a POS function can be implemented in one device, such as a POS having a call function or vice versa. In addition, the vendor-side device 330 may further include a function for communicating with the payment server 340 via the network 170. The vendor-side device 330 may be a terminal of a vendor including a POS function, but may be a vendor-side server that communicates with a plurality of POS terminals according to an embodiment. The manager of the vendor-side device 330 may refer to an employee of the vendor receiving the order from the customer (e.g., a store manager, a store employee, or a telemarketer).

The billing server 340 may be implemented as the server 150 described above with reference to FIGS. 1 and 2 and may be implemented as a billing server 340, And can provide a service for processing of pre-authentication and post-settlement.

In one embodiment, the payment server 340 may be included in or linked to a portal system that provides various services such as search, shopping, mail, and map based on a portal site, And the like. At this time, the users can use the simple settlement service by using the identifier in the portal system without joining a separate member at various merchant stores of the simple settlement service. For example, the user of the simple settlement service may be identified by using the identifier of the user, which is the ID of the portal site, or the user may be identified by using the contact information (for example, a telephone number of the orderer) May be identified. The other simple settlement service may be a simple settlement service provided through a third party system linked to the settlement server 340 rather than the simple settlement service provided through the settlement server 340. [ For example, the payment server 340 may associate other simple settlement services with the service, receive the password of the users registered in the other simple settlement service, process the settlement of the order according to the embodiments of the present invention have.

1. The telephone order function selection process may be an example of a process in which a telephone order function with a business associated with a telephone order is selected by the user at the electronic equipment 310 of the purchaser. Here, the telephone order function may include a link included in an online document, a link included in an image code, or a link provided through an SMS (Short Message Service), a MMS (Multimedia Message Service), or an instant message, The telephone order function may be selected by a customer who wishes to place a telephone call to the business by selecting a link (e.g., touching the area of the link displayed on the screen of the electronic device 310 in a touch screen environment). For example, the portal system may provide a page (hereinafter, referred to as a 'search result page') including a search result to an orderer according to a search word inputted by an orderer through a search service, The phone order function with the business may be included.

In this case, a user interface associated with the telephone order function may be provided to the purchaser through the electronic device 310 according to the selection of the telephone order function of the purchaser. For example, the payment server 340 generates a page (hereinafter, referred to as a 'user interface page') including a user interface for receiving a password for easy settlement, and generates position information for accessing the user interface page , And a URL (Uniform Resource Locator) of a user interface page). At this time, the telephone order function included in the search result page in association with a specific company may include location information provided by the payment server 340 in the form of a link. If the purchaser selects the telephone order function included in the search result page, a user interface page may be provided to the purchaser through the link. More specifically, when the purchaser selects a link via the electronic device 310, the source code for constructing the user interface page may be transmitted to the electronic device 310, The user interface page may be displayed on the screen of the electronic device 310. [

If the purchaser is not a member of the simple payment service or the payment means of the purchaser is not registered in the payment server 340, A process for registering membership and / or a process for registering the payment means may be further performed before the provision of the user interface page.

In addition, the billing server 340 can identify the vendor as the purchaser selects the telephone order function associated with the specific vendor. When the telephone order function associated with a specific business is selected, the payment server 340 transmits information for identifying the business to the payment server 340 The payment server 340 can grasp the information about the company that the customer intends to order the telephone.

As described above, the link to the user interface page according to the telephone order function may be provided to the electronic equipment 310 of the purchaser through an image code or various messages as well as an online document.

2. The password transmission process may be an example of a process in which the electronic device 310 of the purchaser transmits the password input through the user interface of the user interface page to the payment server 340. [ For example, as the purchaser enters the password through the provided user interface, the entered password can be transmitted to the payment server 340 through the user interface page.

3. The payment line authentication process may be an example of a process of pre-authenticating the payment according to the telephone order before the telephone connection between the user and the business using the password received from the ordering electronic device 310 by the payment server 340. [ The actual payment after the telephone order can be processed at the request of the vendor after the order has been completed between the purchaser and the vendor in the future. As described above, according to the pre-order pre-authentication, it is possible to place an order without providing the payment information of the user to the business side, thereby enhancing the settlement stability.

4. The order information transmission process may be an example of a process in which the payment server 340 transmits the order information according to the pre-authentication to the recognized vendor device 330. [ Here, the order information may include an order number and a telephone number of the purchaser. As described above, the payment server 340 can store and manage information on a company registered as a merchant through a database. When the purchaser selects the telephone order function, the payment server 340 searches the database based on the identifier of the provided company You may recognize the vendor. When the payment server 340 transmits the order information to the vendor-side device 330, the vendor-side device 330 can know in advance that the caller will receive a call from the buyer even before the orderer's call, A more secure phone order transaction can be made since the payment for the phone order has been pre-authenticated.

5. The calling process may be an example of a process in which a purchaser places an order with a manager of a company through a call connection between the electronic device 310 of the purchaser and the telephone 320 of the vendor. Such a calling process may be performed between the "2. password and business telephone number transmission process" and the "6. information input process by the manager" to be described later. 5. " 5. CALLING PROCEDURE "Basically, it may be based on a telephone call using a telephone network. However, according to an embodiment, a service capable of chatting may be performed without adding a friend between the owner and the company. For example, the chat service may be a service provided by the portal system described above.

6. The process of inputting the information by the manager may be an example of a process in which the manager of the company enters the order information through the call with the purchaser to the vendor device 330. [ The vendor-side device 330 can receive, for example, a payment amount of an order according to a telephone connection from an administrator. According to the embodiment, the vendor-side device 330 may receive further information from the administrator, such as destination information, information on a product or service to be ordered, and / or information related to a predicted delivery start scheduled time.

7. The payment request process may be an example of a process in which the business-side device 330 requests the payment server 340 to process the actual payment according to the payment amount. At this time, the vendor-side device 330 can request payment to the payment server 340 using the information input by the administrator and the order information provided by the payment server 340.

8. The post-settlement process may be an example of a process in which the settlement server 340 processes the actual settlement according to the telephone order according to the settlement request from the business-side device 330. [ At this time, the payment server 340 can process the actual payment for the payment amount inputted by the manager using the payment means previously registered by the purchaser. For example, the payment server 340 can process the final settlement of a settlement amount by communicating with a server of a settlement institution (for example, a card company, a bank, etc.) suitable for the previously registered payment means.

9. The payment completion information providing process may be an example of a process in which the payment server 340 informs the electronic equipment 310 of the purchaser and the business equipment 330 of the fact that the processing of the actual payment for the telephone order is completed. For example, the payment server 340 may push payment completion information to the electronic device 310 of the purchaser. Upon receipt of the notification that the processing of the actual payment has been completed, the vendor-side device 330 can output the receipt for payment of the telephone order and deliver it to the purchaser at the time of delivering the ordered goods or services.

After completion of the post-settlement and providing the settlement completion information, the settlement process according to the present embodiment may be terminated. If the call is not made (or the above-mentioned chatting) is not made because the call is not received from the customer, or if the actual order is not made during the calling process (or the chatting order process) . At this time, if the "7.Payment Request Process" is not made until a predetermined time has elapsed since the order information is transmitted, the payment server 340 arbitrarily terminates the process of payment according to the corresponding telephone order You may.

4 is a diagram illustrating a first example of a situation in which a telephone order function is selected in an embodiment of the present invention. The telephone order function can be provided to users in the form of a link contained, for example, in an online document (web page or mobile page). The first screen 410 of FIG. 4 shows an example of a search result screen that is provided to an orderer as the orderer inputs the search term " AA chicken "through the search service, as an example screen of the electronic device 310 of the purchaser. At this time, the first screen 410 shows a state in which a telephone order function including a link, such as a "pay call" 411, is provided to a purchaser through a specific online document such as a search result page. When the purchaser touches the area where the "pay call" 411 is displayed, the user's selection input for the telephone order function can be recognized through the electronic device 310, and a user interface May be provided to the purchaser. At this time, the payment server 340 can acquire the identifier of the company associated with the telephone order function and confirm the corresponding company. For example, the payment server 340 may obtain an identifier for a business associated with the phone ordering function from a medium (e.g., a portal site that provides a search service) on which the phone ordering functionality is provided. As another example, a function may be included for delivering an identifier for a business associated with the telephone ordering function itself to the payment server 340.

Depending on the embodiment, additional functions may optionally be provided to the purchaser via the telephone order function. For example, the pop-up 421 shown in the second screen 420 of FIG. 4 represents a selection function that is additionally provided according to the link. For example, the selection function may include a function for the orderer to select one of an online order and a telephone order. The online order can be processed through a general simple settlement service provided by the settlement server 340. The call order is a settlement service through pre-authentication / post-processing provided by the settlement server 340 according to the embodiments of the present invention Lt; / RTI > In this embodiment, when the purchaser touches the area where the "telephone order" 422 of the pop-up 421 is displayed, a user interface for receiving the simple settlement password can be provided to the purchaser. As another additional function, when the orderer registers a plurality of payment means (for example, a credit card, a mobile payment, a credit point payment, a real-time account transfer, etc.) in the payment service, May be provided to the purchaser before the provision of the user interface for receiving the input.

5 is a diagram illustrating an example in which a user interface for inputting a password is provided according to an embodiment of the present invention in which a telephone order function is selected. The screen 510 shown in FIG. 5 includes a function of the user interface provided to the purchaser to receive the password for the simple settlement as the electronic device 310 of the purchaser recognizes the selection input for the telephone order function of the purchaser The page may be an example of the displayed screen. As described above, the payment server 340 generates a page including a function for the user interface and provides information (for example, a page) for composing the page to provide the user with a user interface for inputting a password (E.g., a source code of the URL). For example, the telephone order function may be provided in the form of a link containing location information on the network where the source code is stored, and as the user selects the telephone order function, the source code may be provided to the electronic device 310 have. The electronic device 310 may provide the user interface to the purchaser, such as screen 510, by constructing and displaying the page using the received source code.

When the purchaser inputs the password through the user interface, the electronic device 310 can transmit the inputted password to the payment server 340. [ If the purchaser selects one of the plurality of payment means, the information on the payment means selected by the purchaser may be further transmitted to the payment server 340. [

If the purchaser is not registered in the settlement service for simple settlement, the process for registering the settlement service may be performed. In addition, if the purchaser does not want to register for the payment service, the purchaser may be provided with a function for connecting the general call with the business.

6 is a diagram showing an example of a screen for inducing registration to a settlement service for simple settlement in an embodiment of the present invention. As described above, the simple settlement service can identify the members of the simple settlement service using the identifiers of the users in the portal system. If the purchaser is logged in the search service described in FIG. 4, the payment server 340 can confirm whether or not the user is a member of the simple settlement service. If the purchaser is not logged in to the search service, he or she may request the login of the purchaser from the payment server 340 or the system of the corresponding simple settlement service (for example, the system of the simple settlement service described above). At this time, the screen 610 of FIG. 6 shows an example in which a pop-up 611 for guiding the registration to the payment service is displayed when the purchaser is not a member registered in the payment service. For example, if the purchaser is not a member of the payment service, the payment server 340 may provide the electronic device 310 with information for controlling the electronic device 310 to configure and display the pop-up 611 .

After inputting the password, the customer's electronic device 310 may attempt to make a call connection with the telephone set 320 of the company. On the other hand, the payment server 340 can pre-authenticate the payment according to the telephone order through the password received from the electronic device 1 (110). After the settlement server 340 pre-authenticates the settlement, the settlement server 340 may generate order information (for example, including the order number and the orderer's telephone number) and transmit the order information to the vendor- In addition, the manager of the company can input information obtained through the call to the vendor-side device 330 after the call with the purchaser. An example of the order information received from the vendor side will be described in more detail with reference to FIG. 7 through FIG. 8, for example, in which the information obtained through the telephone call with the purchaser is input to the vendor device 330.

7 is a diagram illustrating an example of a POS screen of a vendor in an embodiment of the present invention. The screen 710 of FIG. 7 may be a screen example of the vendor-side device 330 described above as a POS screen of a vendor. The first dotted line box 711 on the screen 710 shows an example of the order number and the telephone number of the purchaser as examples of the order information transmitted from the payment server 340 to the business device 330. The second dotted line box 712 on the screen 710 is an example of the information that the business manager can input after the telephone call with the orderer as information on the destination, menu, amount of payment, Respectively. The screen configuration for displaying the information related to the order may be performed according to the control of the seller-side application installed in the vendor-

FIG. 8 is a diagram illustrating an example of communication between an orderer and a manager of a company in an embodiment of the present invention. When a call is connected between the electronic device 310 of the customer and the telephone 320 of the business, the customer and the manager of the business can communicate with each other. Since the payment has already been approved, the purchaser does not have to intervene in a separate payment process. The manager of the company inputs the payment amount "10,000 won" shown in the example of FIG. 8, the delivery address, the menu, and the like to the company-side device 330 to fill in the information such as the shipping address, menu, .

When the administrator selects the user interface of the "payment request" shown on the screen 710 in Fig. 7, payment can be requested to the payment server 340 based on the information input by the administrator and the order information. The payment server 340 can post-process the actual payment according to the pre-authenticated telephone order according to the payment amount and the order information of the information input by the administrator. For example, the payment server 340 can process the simple payment using the password transmitted from the electronic device 310 of the purchaser with respect to the input payment amount, and for this purpose, It can communicate with the agency's server and process the final settlement of the payment amount. When the settlement is completed, the settlement server 340 can transmit information on completion of settlement to the electronic device 310 and the vendor device 330, respectively.

9 is a view showing another example of a POS screen of a vendor in an embodiment of the present invention. A screen 910 of FIG. 9 shows an example of a screen for managing orders entered into the business. On the screen 910, order number, telephone number, and delivery status information are displayed. When the deliveryman chooses the user interface 911 showing "before delivery" indicating the delivery status while passing the delivery for the order number "N013110305678", the delivery status can be changed to "delivery start" in the user interface . At this time, the information on the change of the delivery status can be transmitted to the payment server 340, and the payment server 340 can transmit the information related to the change of the delivery status to the electronic device 310 of the purchaser.

10 is a diagram showing an example of a notification provided to an orderer in an embodiment of the present invention. A screen 1010 of FIG. 10 shows an example of a notification page provided to the electronic device 310 of the purchaser.

The first notification 1011 may be a notification provided to the purchaser after the post-processing of payment is completed in the payment server 340. [ The "scheduled departure after 10 minutes" can be applied by setting the scheduled time of "delivery start" to "after 10 minutes" as shown in the second dotted line box 712 in FIG. For example, the vendor-side device 330 may transmit the "ten minutes later" information related to the "delivery start" input by the administrator to the payment server 340 at the time of payment request. In this case, the payment server 340 can use the received information "after 10 minutes" to provide the purchaser with the first notification 1011 including information such as "scheduled to depart after 10 minutes ". The link "confirmation of payment history" of the first notification 1011 may provide a function for accessing the payment history page.

The second notification 1012 may be a notification to notify the orderer that the delivery has started and the scheduled arrival time "10:20 ". For example, the payment server 340 may inform the orderer that the delivery has started based on the information about the change of the delivery status described in FIG. At this time, the expected arrival time may be provided through linkage with the map service. For example, the map service provides information about the estimated time of arrival to and from the origin. The payment server 340 can provide the orderer with the expected arrival time for the route from the address of the company to the departure point and the address of the ordering person to the destination through linkage with the server (not shown) providing the map service. The link "delivery location confirmation" of the second notification 1012 can provide the electronic device 310 with the function of providing the location of the current deliverer through linkage with the map service. For example, a delivery-side application may be installed in an electronic device (for example, the electronic device 3 130) of the delivery source, and the position of the electronic device of the delivery source may be determined by communication between the electronic device of the delivery source and the payment server 340 And may be provided to the payment server 340. At this time, the payment server 340 can provide the map information showing the location of the electronic device of the delivery person to the electronic device 310 of the purchaser through linkage with the server providing the map service.

The third notification 1013 may be a notification for notifying the orderer that the payment server 340 has completed the delivery. The third notification 1013 indicating that the delivery has been completed may also be provided to the vendor device 330. As described above, the deliverer's side application can be installed in the electronic device of the delivery source, and the information on the order number, the telephone number, and the delivery status described in FIG. 9 through the communication between the electronic device of the delivery source and the payment server 340 Can be managed. After the deliveryman completes the delivery, he can change the delivery status from "Delivery start" to "Delivery complete" through the delivery device's electronic device. In this case, the change of the delivery status is notified to the payment server 340, and the payment server 340 can provide the third notification 1013 to the electronic device 310 of the purchaser and the device 330 of the manufacturer 330, respectively . Quot; evaluating "of the third announcement 1013 may include a function for providing a page that can leave an evaluation for that phone order. The payment server 340 can manage the evaluation of users by company.

The fourth notification 1014 may be a notification for the payment server 340 to induce the orderer to leave an evaluation of the telephone order. Quot; evaluate "of the fourth notification 1014 may include the same function as the link" evaluate "of the third notification 1013. [ The fourth notification 1014 may be provided after a certain time has elapsed after the delivery is completed.

In the foregoing, the process of ordering and making a telephone call using the telephone order function included in the online document has been described. However, the phone ordering function may be provided to the purchaser via another route.

11 shows an example in which a link including a telephone order function is included in a two-dimensional code in an embodiment of the present invention. 11 shows a QR (Quick Response) code 1110 provided on-line or off-line. The purchaser can recognize the link having the telephone order function included in the QR code 1110 by photographing the QR code 1110 provided through the camera included in the electronic device 310. [ 4 through the recognition of the link in the electronic device 310. The pop-up 421 described above with reference to FIG. 4 may be provided, and then the transmission of the password to the payment server 340 through the same process as described above, The order of telephone between the purchaser and the manager, and the settlement process in the payment server 340 can be processed.

12 shows an example of a link included in a message in an embodiment of the present invention. A screen 1210 in FIG. 12 shows an example in which a link including a telephone order function is provided to a customer's electronic device 310 through a message using an SMS (Short Message Service). In addition to the SMS, the link may be provided to the customer's electronic device 310 via a multimedia message service (MMS) or an instant message.

For example, online documents (for example, a web page or a mobile page) may contain information about a specific business as well as capabilities for dialing into that business. If the purchaser selects the function for telephone connection of the displayed document through the electronic device 310, the SMS message may be delivered to the electronic device based on the telephone number of the electronic device 310. [ At this time, the subject sending the SMS message may be the corresponding company or the payment server 340. The SMS message may include a link according to the telephone order function, and the purchaser may be provided with a user interface for inputting a password for easy settlement using the link.

In another example, a message containing a link for a phone order function may include an advertisement message sent by the vendor. As the purchaser selects the link of the advertisement message received by the electronic device 310, the user interface for receiving the password for the simple settlement can be provided to the purchaser through the electronic device 310, and the purchaser can use the user interface The password can be transmitted to the payment server 340 and the electronic device 310 can attempt to make a telephone call connection to the telephone number of the corresponding company. As already mentioned, ordering between a purchaser and a vendor can be done through a chat service.

Thereafter, as described above, processes such as pre-authentication at the payment server 340, telephone order between the purchaser and the business manager, and post-processing for the actual payment at the payment server 340 can be processed.

FIG. 13 is a block diagram illustrating an example of a component included in a processor of a payment server according to an exemplary embodiment of the present invention. FIG. Fig. 2 is a flow chart showing an example of a method in which the present invention is applied.

The payment server 340 may be implemented through the server 150 as described above. 13, the processor 222 of the server 150 includes a user interface providing unit 1310, a password receiving unit 1320, a pre-authentication unit 1330, an order information transmitting unit 1340, (1350), and a news providing unit (1360).

The components of the processor 222 and the processor 222 may control the server 150 to perform the steps 1410 to 1460 included in the payment processing method of FIG. At this time, the components of the processor 222 and the processor 222 may be implemented to execute instructions according to the code of the operating system and the code of at least one program that the memory 221 contains. Here, the components of processor 222 may be representations of different functions of processor 222 performed by processor 222 in accordance with the control instructions provided by the code stored in server 150 .

In step 1410, the user interface providing unit 1310 may provide a function for providing a user interface. Here, the user interface provided through the user interface providing unit 1310 may include a function for receiving the password of the user for the simple settlement and transmitting the received password to the server 150. For example, the user interface providing unit 1310 may provide a user interface page, which is a page including a user interface for receiving a password and delivering the password to the server 150. As a more specific example, the user interface provider 1310 may generate a user interface page and provide information about the location of the user interface page on the network (e.g., the URL of the user interface page). A vendor, or media providing information about a vendor, may provide an ordering function, including a link for access to a user interface page, to users in association with information about the vendor. At this time, the user can receive information about the business through the above-mentioned medium (for example, a portal site) by using the electronic device. For example, a search results page provided through a search service on a portal site might include information about the business and ordering capabilities. In addition, the user can access the user interface page through the link included in the order function. When the user accesses the user interface page and inputs the password according to the order function, the inputted password can be transmitted to the server 150. The link to the user interface page may be provided to the user via various media as described above. For example, a link to a user interface page including an order function may be included in an on-line document provided through the medium or an image code on-line or off-line provided through the medium. As another example, a link may be included in various messages such as SMS messages, MMS messages, instant messages, etc., provided in association with media or vendors.

In step 1420, the password receiver 1320 can receive the password from the electronic device before connection for ordering between the electronic device and the vendor. For example, an order function related to an order with a business can be provided to a user through an electronic device, and a user interface for inputting a password used in simple settlement can be provided to a user in accordance with a user's selection input for an order function can do. The electronic device can access the user interface page provided by the server 150 and provide the user with an input screen for the user interface. When the user inputs the password through the provided user interface, the inputted password can be transmitted to the server 150. At this time, the user of the electronic device can be identified through the information on the business and the identifier of the user on the medium providing the order function. For example, the server 150 can identify the user in the simple settlement service using the identifier of the user at the portal site.

At this time, the password receiving unit 1320 can control the server 150 to receive the password. Here, the password may include a simple settlement password for processing authentication of settlement through the payment means of the user registered in the settlement service provided by the server 150. [ Also, the electronic device may correspond to the electronic device 1 110 or the electronic device 310 of the purchaser. In addition, the connection for ordering between the electronic device and the vendor may include a connection using a telephone call or a connection using a chat service.

As described above, the order function may include additional additional functions. For example, as described with reference to FIG. 4, a function for selecting one of online order and telephone order (or an order using a chat service) or a function for selecting a payment means may be provided to the user's selection input for the order function May be further provided. When the payment means is selected, information about the selected payment means may be further transmitted to the server 150. [ For example, in step 1410, the user interface providing unit 1310 receives not only information for configuring the user interface page but also information for selecting one of online order and telephone order, And the information can be provided to the electronic device through the order function. If one of the plurality of payment means is selected, the server 150 can further receive information on the selected payment means in addition to the above-mentioned password.

In step 1430, the pre-authentication unit 1330 can pre-authenticate the payment for the goods or services that the user wishes to order through the company using the password before processing the actual payment. As described above, the user may be a member of the settlement service provided by the server 150, and the password for the simple settlement is registered in advance in the server 150. Therefore, the server 150 pre-authenticates the settlement through the password, so that the order can be made without providing the payment information of the user to the company, so that more secure ordering can be performed. In addition, the server 150 may process settlement in connection with other simple settlement services. In this case, the server 150 may receive payment from the system for providing other simple settlement services. Since the pre-authentication is performed before the user connects with the business, the server 150 does not know the amount of the payment or information about what goods or services are ordered. Therefore, the actual payment according to the order can be processed later. As described above, the server 150 can identify the user of the simple settlement service using the identifier of the user in the medium. For example, the pre-authentication unit 1330 logs in the portal site, selects an identifier of an authenticated user and an order function, selects a payment function using the password of the simple payment service, You can authenticate.

In step 1440, the order information transmitting unit 1340 may transmit the order information according to the pre-authentication to the recognized vendor. The business entity may be a company registered as a merchant in the payment service provided by the server 150, and the business entity corresponding to the selected order function may be recognized in the server 150. For example, when a medium providing an order function is associated with the server 150, the server 150 may receive the identifier of the vendor corresponding to the selected order function from the medium and recognize the vendor. Or the function of transmitting the identifier of the vendor corresponding to the order function itself to the server 150. [ Here, the vendor-side device may correspond to the vendor-side device 330 described above. The order information transmitting unit 1530 can generate a message including the order information and control the server 150 to transmit the generated message to the vendor side device via the network 170. [ The order information may include an order number and a telephone number of the user.

In step 1450, the post-settlement processing unit 1350 may process the actual settlement according to a request for settlement from the vendor-side apparatus. The vendor-side device may receive the order information provided by the server 150 through step 1440, and the manager of the vendor may receive the information (for example, payment Amount, shipping address, etc.) to the vendor's device in association with the order information. In this case, the order can be confirmed using the information input from the manager of the company and the order information, and the company-side device can use the inputted information and the order information received from the server 150, (150). In this case, the post-payment processing unit 1350, in response to the payment request from the business-side apparatus, confirms the payment amount received from the business-side apparatus according to the order, It can be actually processed. As a more specific example, the server 150 may process the simple settlement of the requested settlement amount by communicating with a system of a settlement institution (for example, a bank or credit card company) using the settlement means of the previously registered user. As described above, the password may include a simple settlement password for authentication of the settlement processed using the settlement means of the user previously registered in the simple settlement service provided by the server 150. [ The post-payment processing unit 1350 communicates with the server of the corresponding settlement institution by using the pre-registered payment means for the identified user, so that the post-payment processing unit 1350 post-processes the pre- Can be controlled.

In step 1460, the notification providing unit 1360 may provide payment completion information to the electronic device and the business-side device. For example, the notification providing unit 1550 can generate the payment completion information according to the post-processing of the actual payment and control the server 150 to transmit the payment completion information to the electronic device and the business-side device through the network 170, respectively. The notification providing unit 1360 may generate various kinds of notifications described with reference to FIG. 10 according to the embodiment and provide them to the electronic device.

FIG. 15 is a block diagram illustrating an example of a component included in a processor of a vendor-side device according to an embodiment of the present invention. FIG. Fig. 2 is a flowchart showing an example of a method that can be performed.

The vendor-side device 330 may be implemented through the second electronic device 120 as described above. The processor 232 of the electronic device 2 120 may include an order information receiving unit 1510, a payment request unit 1520, a receipt providing unit 1530 and a delivery status management unit 1540 .

The processor 232 and the components of the processor 232 may control the electronic device 2 120 to perform the steps 1610 to 1640 included in the payment processing method of FIG. At this time, the components of the processor 232 and the processor 232 may store an instruction according to the code of the operating system included in the memory 231 and the code of at least one program (for example, code for the seller-side application) As shown in FIG. Herein, the components of the processor 232 are representations of different functions of the processor 232 performed by the processor 232 in accordance with the control command provided by the code stored in the second electronic device 120 .

In step 1610, the order information receiving unit 1510 can receive the order information pre-authenticated by the payment server based on the password transmitted from the electronic device to the payment server, from the payment server through the network. Here, the electronic device may correspond to the electronic device 1 110 described above or the electronic device 310 of the purchaser, and the payment server may correspond to the server 150 or the payment server 340 described above. The order information receiving unit 1510 may receive the order information generated and transmitted by the payment server through the network 170. [

The password may include an authentication of payment through a payment means of a user previously registered in the payment service provided by the payment server, and a simple settlement password for processing authentication of the user, and the password transmitted from the electronic device to the payment server , The payment server may allow the user to pre-authenticate the payment for the goods or services to be ordered through the connection for ordering with the business before processing the actual payment.

In step 1620, the payment request unit 1520 may request settlement of the order according to the connection to the payment server using the information input from the manager of the company and the order information based on the connection with the user. For example, the payment request unit 1520 may control the second electronic device 120 to generate a payment request message including at least the payment amount and the order number and transmit the payment request message to the payment server through the network 170. [ In this case, the payment server can process the actual payment of the payment amount according to the order number according to the request of the electronic device 2 (120), and generates the payment completion information to transmit the electronic device of the user and the electronic device 2 (120), respectively.

In step 1630, the receipt provider 1530 may provide the payment receipt corresponding to the order number based on the payment completion information provided from the payment server. For example, the receipt provider 1730 may be connected to the electronic device 2 (120) to output an order payment receipt via the receipt output device (not shown) associated with the electronic device 2 (120) 120).

In step 1640, the delivery status management unit 1540 can manage information on the delivery status of the order. For example, as described with reference to FIG. 9, the delivery status can be managed such as before delivery, delivery start, and delivery completion, and information on the currently set delivery status can be transmitted to the payment server. In this case, the payment server can provide various types of notifications to the user using the information on the delivery status as described with reference to FIG.

FIG. 17 is a block diagram illustrating an example of a component that a processor of a purchaser's electronic device may include in an embodiment of the present invention. FIG. Fig. 2 is a flowchart showing an example of a method that can be performed by the user.

The customer's electronic device 310 may be implemented through the electronic device 1 110 as described above. The processor 212 of the electronic device 1 110 may include a selection input recognizing part 1710, a user interface displaying part 1720, a password transmitting part 1730 and a connecting part 1740 as shown in FIG. have.

The components of the processor 212 and the processor 212 may control the electronic device 1 110 to perform the steps 1810 to 1840 included in the payment processing method of FIG. At this time, the components of the processor 212 and the processor 212 may be implemented to execute instructions according to code of the operating system or code of at least one program that the memory 211 contains. Herein, the components of the processor 212 are representations of different functions of the processor 212 performed by the processor 212 in accordance with control commands provided by the code stored in the electronic device 110 .

In step 1810, the selection input recognizer 1710 can recognize the user's selection input for the order function with the vendor related to the order. As described above, the order function can be provided to the user through various media. For example, an order function that includes specific links via messages such as pages for various services provided by the portal site, image codes provided via on / off line, or SMS messages, MMS messages, instant messages, Lt; / RTI > At this time, the selection input recognizer 1320 can control the electronic device 1 (110) to recognize the user's input on the order function through the input / output interface 214 of the electronic device 1 (110). Here, the user's selection input may include the user's input to the link provided as an order function. For example, when a link included in an online document is displayed on a touch screen screen that can be included in the electronic device 1 (110), an input that is recognized as a user touches an area of a link displayed on the touch screen screen with a finger It can be recognized as the above-mentioned user's selection input.

In step 1820, the user interface display unit 1720 may display a user interface associated with the order function according to the recognized selection input. For example, the order function may include a link to a user interface page for receiving a password. In this case, the user interface providing unit 1720 controls the first electronic device 110 to display a user interface page provided through the link on the screen, So that the user interface can be displayed to the user. Here, the payment server may correspond to the payment server 340 or the server 150 described above.

In step 1830, the password transmission unit 1730 may transmit the password input through the user interface to the payment server. Substantially, the password can be passed to the payment server via the user interface page. For example, the password transmission unit 1730 can control the electronic device 1 (110) to transmit the password to the payment server through the user interface page.

The password may include a simple settlement password for processing authentication of settlement through a payment means of a user previously registered in the settlement service provided by the settlement server. In this case, the payment server can authenticate the user through the password transmitted to the payment server, and the user can pre-authenticate the settlement of the goods or services to be ordered through the connection with the business before processing the actual payment.

At this time, the payment server can transmit the order information according to the pre-authentication to the vendor side device. Here, the vendor-side device may correspond to the vendor-side device 330 described above. The order information may include an order number and a user's phone number.

At step 1840, the connection 1740 may attempt to establish a connection with the vendor. For example, the connection unit 1740 controls the first electronic device 110 to attempt to make a call connection with the telephone set 320 of the company through the communication module 213 and the telephone network, or by using the chat service through the network 170 It may try to connect with the vendor's device. When the order is completed between the user and the manager of the business through the connection for the order, the business side device can request the settlement of the order to the payment server using the information input from the manager of the terminal device and the order information. As described above, the connection for ordering may be made not only by telephone connection, but also by chatting between the user and the business. At this time, the information input from the manager may include at least the payment amount of the order determined according to the connection for the order. As described above, the information input by the manager may further include information such as a user's address (delivery address), a menu (an ordered product or service), a delivery start scheduled time, and the like. At this time, the settlement server can postpone the actual settlement according to the request for settlement from the vendor side device, so that the settlement of the call order based on the pre-settlement and the post settlement can be completed.

In another embodiment, the electronic device 1 (110) may be provided with a separate payment application associated with the payment server. In this case, the telephone order function may operate the payment application and provide the user with a user interface for receiving the password of the user's simple settlement through the payment application. In this case, the electronic device 1 (110) may transmit the password input through the user interface to the payment server under the control of the payment application.

The contents omitted in FIGS. 13 to 18 can be referred to FIG. 1 to FIG.

As described above, according to the embodiments of the present invention, payment according to an order using a telephone, a chat, or the like can be pre-authenticated prior to ordering, and post-processing can be performed without involving the user after actual payment. In addition, according to the pre-order pre-authentication, it is possible to place an order without providing the user's payment information to the business side, which can enhance the stability of payment.

The system or apparatus described above may be implemented as a hardware component, a software component or a combination of hardware components and software components. For example, the apparatus and components described in the embodiments may be implemented within a computer system, such as, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate array (FPGA) , A programmable logic unit (PLU), a microprocessor, or any other device capable of executing and responding to instructions. The processing device may execute an operating system (OS) and one or more software applications running on the operating system. The processing device may also access, store, manipulate, process, and generate data in response to execution of the software. For ease of understanding, the processing apparatus may be described as being used singly, but those skilled in the art will recognize that the processing apparatus may have a plurality of processing elements and / As shown in FIG. For example, the processing unit may comprise a plurality of processors or one processor and one controller. Other processing configurations are also possible, such as a parallel processor.

The software may include a computer program, code, instructions, or a combination of one or more of the foregoing, and may be configured to configure the processing device to operate as desired or to process it collectively or collectively Device can be commanded. The software and / or data may be in the form of any type of machine, component, physical device, virtual equipment, computer storage media, or device , Or may be permanently or temporarily embodied in a transmitted signal wave. The software may be distributed over a networked computer system and stored or executed in a distributed manner. The software and data may be stored on one or more computer readable recording media.

The method according to an embodiment may be implemented in the form of a program command that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions to be recorded on the medium may be those specially designed and configured for the embodiments or may be available to those skilled in the art of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks, and magnetic tape; optical media such as CD-ROMs and DVDs; magnetic media such as floppy disks; Magneto-optical media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments. For example, it is to be understood that the techniques described may be performed in a different order than the described methods, and / or that components of the described systems, structures, devices, circuits, Lt; / RTI > or equivalents, even if it is replaced or replaced.

Therefore, other implementations, other embodiments, and equivalents to the claims are also within the scope of the following claims.

Claims (20)

In a method for processing a payment at a payment server,
Receiving a password from the electronic device prior to connection for ordering between the electronic device and the vendor;
The user of the electronic device pre-authenticates the settlement of the goods or services to be ordered through the vendor using the password before processing the actual payment; And
Transmitting the order information according to the pre-authentication to the device of the vendor
The payment processing method comprising: The method according to claim 1,
Providing a user interface page for receiving the password and delivering it to the payment server
Further comprising:
And providing an order function including a link to the user interface page through a medium providing information on the vendor, in association with information on the vendor. 3. The method of claim 2,
Providing the electronic device with the user interface page according to information on the vendor and the order function selected from the electronic device provided with the order function through the medium,
Wherein the step of receiving the password further comprises:
Wherein the password received through the user interface page provided by the electronic device is received. 3. The method of claim 2,
Wherein the medium includes at least a portal site for providing a search service,
And provides the information on the vendor and the order function through the search service. The method according to claim 1,
The pre-
Wherein the payment is pre-authenticated by using the password of the simple settlement service entered through the user interface page provided by the user through the order function. 3. The method of claim 2,
The link included in the order function includes (1) an on-line document provided through the medium, (2) an on-line or off-line image code provided through the medium, or (3) A short message service (SMS) message, a multimedia message service (MMS) message, and an instant message. The method according to claim 1,
Wherein the order information includes an order number corresponding to an order between the electronic device and the vendor, and a telephone number of a user of the electronic device. The method according to claim 1,
An order is confirmed using information input from the manager of the company and the order information according to the connection between the electronic device and the vendor,
Receiving a request for settlement according to the settlement of the order from the device on the side of the company, and post-processing the actual settlement for the requested settlement amount using the password according to the received request
Further comprising the step of: 9. The method of claim 8,
Wherein the password includes a simple settlement password for a simple settlement service provided by the settlement server,
The step of post-processing the actual settlement includes:
Wherein the settlement processing means communicates with a server of a settlement institution corresponding to a settlement means of a user previously registered in the simple settlement service, and post-processes the settlement amount pre-authenticated through the simple settlement password. The method according to claim 1,
And identifying the user in the simple settlement service for pre-authentication through identification of the user in a medium providing a link to a user interface page for inputting the password. The method according to claim 1,
Wherein the connection for ordering between the electronic device and the vendor includes a connection using a telephone call or a connection using a chat service. A method of processing a payment in an electronic device,
Recognizing a user's selection input for an order function with a business related to the order;
Receiving and displaying a user interface associated with the order function according to the recognized selection input;
Transmitting a password input through the user interface to a payment server; And
Attempting to make a connection for order with the vendor
The payment processing method comprising: A computer-readable recording medium storing a program for causing a computer to execute the method according to any one of claims 1 to 12. A payment processing system of a payment server for processing a payment,
At least one processor configured to execute computer readable instructions,
Lt; / RTI >
Wherein the at least one processor comprises:
A password is received from the electronic device prior to connection for ordering between the electronic device and the vendor,
The user of the electronic equipment pre-authenticates the settlement of the goods or services to be ordered through the company through the password before processing of the actual payment,
And controlling the order information according to the pre-authentication to be transmitted to the device of the vendor
And the payment processing system. 15. The method of claim 14,
Wherein the at least one processor comprises:
A user interface page for receiving the password and delivering the password to the payment server,
And provides an order function including a link to the user interface page through a medium providing information on the vendor in association with information on the vendor. 16. The method of claim 15,
Wherein the medium includes at least a portal site for providing a search service,
And provides the information on the vendor and the order function through the search service. 15. The method of claim 14,
Wherein the at least one processor, for pre-authentication,
Wherein the settlement processing unit pre-authenticates the settlement using the password of the simple settlement service entered through the user interface page provided by the user through the order function. 15. The method of claim 14,
An order is confirmed using information input from the manager of the company and the order information according to the connection between the electronic device and the vendor,
Wherein the at least one processor comprises:
Wherein the settlement processing unit receives a request for settlement according to the settlement of the order from the apparatus on the side of the business entity, and processes the actual settlement for the requested settlement amount in accordance with the received request, using the password. . 19. The method of claim 18,
Wherein the password includes a simple settlement password for a simple settlement service provided by the settlement server,
Wherein the at least one processor is further configured to:
Wherein the settlement processing unit communicates with a server of a settlement institution corresponding to the settlement means of the user previously registered in the simple settlement service, and post-processes the settlement amount pre-authenticated through the simple settlement password. 15. The method of claim 14,
And identifies the user in the simple settlement service for pre-authentication through identification of the user in a medium providing a link to a user interface page for inputting the password.

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