KR20180001527A - Method and system for providing simple payment - Google Patents

Abstract

Disclosed are a simple payment method and a system thereof which can reduce a time required for a payment process in a home shopping order. The simple payment method comprises the steps of: matching user information and payment information on each user for pre-registration; receiving a payment request for a home shopping order of a user from a home shopping server related to a home shopping broadcast; processing authentication on the user by using the user information included in the payment request; and performing payment process corresponding to the payment request by using payment information matched with the user information included in the payment request when the authentication on the user succeeds.

Description

[0001] METHOD AND SYSTEM FOR PROVIDING SIMPLE PAYMENT [0002]

The following description relates to home shopping payment technology.

The home shopping payment method mainly uses ARS automatic order telephone, and in most cases, it watches live TV and orders ARS automatic order telephone.

As an example of settlement technology using ARS, Japanese Laid-Open Patent Application No. 10-2005-0003885 (published on Jan. 12, 2005) discloses a technique for processing card settlement using ARS in the electronic commerce process.

In the case of ARS ordering method, it takes a long time to complete the order, such as the time to listen to the voice guidance, the time to wait for the agent to be connected, and the time to input personal information including payment information. May be terminated. In addition, since payment information has to be input every time, it is troublesome and inconvenient, and personal information including payment information is exposed to a home shopping company, and there is a problem of leakage of personal information.

It provides a method and system for shortening the time required for the settlement process when purchasing home shopping.

And provides a method and system that can improve the hassle and inconvenience of users with a simple payment process.

And provides a method and system for providing a security-enhanced home shopping payment method.

A simple settlement method performed in a simple settlement system implemented by a computer, the settlement method including: pre-registering user information and settlement information for each user; Receiving a settlement request for a home shopping order of a user from a home shopping server related to a home shopping broadcast; Performing an authentication process on the user using the user information included in the payment request; And performing settlement processing corresponding to the settlement request using the settlement information matched with the user information included in the settlement request when the authentication of the user is successful. In the home shopping server, When the user operates the TV in accordance with the selected route guidance information, providing selection route guidance information for simple settlement on the home shopping broadcast screen of the TV when the user watches the home shopping broadcast through the home shopping broadcast screen, And an input screen for receiving information is provided so that the user information inputted through the input screen is included in the payment request and transmitted to the simple payment system.

According to an aspect of the present invention, in the home shopping server, the phone number input through the input screen may be included in the payment request and transmitted to the simple payment system.

According to another aspect of the present invention, in the home shopping server, the phone number input through the input screen is included in the payment request and transmitted to the simple payment system, and the step of performing the payment processing includes: Transmitting a payment URL, which is link information on a payment screen corresponding to the payment request; And performing a payment process corresponding to the payment request using the payment information input through the payment screen.

According to another aspect, the step of performing the payment processing further includes a step of recognizing a specific home shopping from the information corresponding to the payment URL, and recommending at least one of the payment means and the benefit information according to the recognized home shopping .

According to another aspect, the registering step may register the settlement information to be commonly used for a plurality of home shopping or register the settlement information separately for each home shopping.

According to another aspect of the present invention, the step of performing the payment processing includes: checking whether the user agrees with the automatic settlement of the home shopping; And performing settlement processing corresponding to the settlement request using the settlement information matched with the user information when the user agrees to the automatic settlement of home shopping.

According to another aspect of the present invention, the step of performing the payment processing includes: checking whether the user agrees with the automatic settlement of the home shopping; Confirming payment information matched with the user information when the user is a user who agreed to automatic settlement of home shopping; Transmitting information on the plurality of payment means to the home shopping server when the payment information includes a plurality of payment means; And performing a payment process corresponding to the payment request using the payment means selected by the user from among the plurality of payment means, wherein the home shopping server transmits the payment request to the plurality of payment means through the home shopping order path of the user Can be provided.

A simple settlement system implemented by a computer, comprising: an information management unit for matching and pre-registering user information and settlement information with respect to each user; An authentication processor for performing an authentication process for the user using the user information included in the payment request upon receiving a payment request for a home shopping order of the user from a home shopping server related to the home shopping broadcast; And a settlement processor for performing a settlement process corresponding to the settlement request using the settlement information matched with the user information included in the settlement request when the authentication of the user is successful. In the home shopping server, When the user operates the TV in accordance with the selected route guidance information, the selection route guidance information for simple settlement is provided on the home shopping broadcast screen of the TV when the home shopping broadcast is viewed through the home shopping broadcast screen Providing an input screen for receiving user information, and transmitting the user information entered through the input screen to the simple settlement system by including the user information in the settlement request.

According to the embodiments of the present invention, it is possible to reduce the user's effort and dramatically shorten the settlement time by a simple settlement which does not need to input or input the settlement information every time.

According to the embodiments of the present invention, it is possible to provide an environment in which the user can easily settle the payment without information leakage problem by pre-registering the payment information and then proceeding the home shopping payment immediately by simple authentication.

According to the embodiments of the present invention, the home shopping company or the payment processing institution does not store the payment information of the user, and in particular, by using the virtual card number,

According to the embodiments of the present invention, it is possible to enhance the brand effect of a home shopping company by providing a simple payment method optimized for a home shopping while ensuring convenience and security of settlement.

1 is a diagram for explaining an example of a home shopping simple settlement environment in an embodiment of the present invention.
2 is a block diagram for explaining an internal configuration of a simple payment system in an embodiment of the present invention.
3 is a flowchart showing a simple settlement method in an embodiment of the present invention.
4 is a flowchart illustrating an example of a home shopping payment process according to an exemplary embodiment of the present invention.
5 is a flowchart illustrating another example of a home shopping payment process according to an exemplary embodiment of the present invention.
FIG. 6 shows an example of a setting screen for setting up a home shopping automatic payment in an embodiment of the present invention.
FIG. 7 is a flowchart illustrating an example of a home shopping automatic payment process according to an exemplary embodiment of the present invention.
8 is a flowchart illustrating an example of a home shopping automatic payment process according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Embodiments of the present invention relate to a home shopping payment technology, and more particularly, to a method and system for providing a simple payment process optimized for home shopping while ensuring convenience and security of settlement.

1 is a diagram for explaining an example of a home shopping simple settlement environment in an embodiment of the present invention. 1 shows a user 101, a home shopping server 103, and a simple payment system 100. At this time, the user 101 may mean a terminal that the user actually uses. In FIG. 1, arrows indicate that data can be transmitted and received between the components shown in FIG. 1 using a wired / wireless network.

The terminal used by the user 101 may execute one or more processes configured to perform one or more of the features described herein. The terminal used by the user 101 may refer to all terminal devices capable of installing and executing a dedicated application related to the simple payment system 100. [ At this time, the terminal used by the user 101 can perform service-wide operations such as service screen configuration, data input, data transmission / reception, and data storage under the control of a dedicated application.

The user 101 corresponds to an object for viewing a home shopping broadcast as a subject to watch a home shopping and ordering a product. The user 101 proceeds with settlement through a dedicated application for ordering goods during the home shopping viewing. At this time, the terminal used for settlement may be the same single terminal as the terminal watching the home shopping or may be a separate terminal.

A typical example of a terminal where the user 101 watches a home shopping may be a TV. The TV may be a general airwave receiver, an Internet TV, a DMB (Digital Multimedia Broadcasting) . ≪ / RTI > A terminal used for settlement of a home shopping may be a smart phone, a tablet, a wearable computer, a personal computer (PC), a laptop computer, Can be installed and executed.

For example, in the case of an Internet TV or a smart phone, it is possible to provide an environment capable of settlement following a home shopping viewing. On the other hand, since a TV such as a general airwave receiver can not install and execute a dedicated application, When ordering a home shopping product, a separate terminal equipped with a dedicated application is used.

The terminal used by the user 101 may be directly or indirectly coupled to a network (e.g., the Internet or a local area network). For example, a personal computer and a notebook computer can be directly coupled to a network through a wired network connection. The laptop computer may be wirelessly coupled to the network via a wireless communication channel established between the laptop computer and a wireless access point (i.e., WAP). The smartphone may be wirelessly coupled to the network via an established wireless communication channel between the smartphone and the cellular network / bridge. At this time, the network can communicate with one or more secondary networks (not shown), and examples of secondary networks include a local area network, a wide area network, or an intranet. But is not limited thereto.

The terminal used by the user 101 can interface with the home shopping server 103 and / or the simple payment system 100 via the network described above.

The home shopping server 103 serves as a platform for providing a home shopping program to a user 101 as a client and may include a content provider (CP) for providing a broadcast program, a home shopping ordering system, and the like. In particular, the home shopping server 103 may provide an automatic response service (ARS) for ordering goods, and may implement a simple settlement process in conjunction with the simple settlement system 100.

The simple payment system 100 may execute one or more processes configured to perform one or more of the features described herein. The simple settlement system 100 acts as a settlement processing agency for processing settlement in response to a request of the home shopping server 103 in cooperation with the home shopping server 103. [ In particular, the simple payment system 100 can provide a simple settlement environment in which an unnecessary process is excluded in a home shopping order process and security is enhanced.

The simple billing system 100 corresponds to a server computer. Examples of the server computer may include a server computing device, a personal computer, a server computer, a series of server computers, a minicomputer, and / The present invention is not limited thereto. The server computer may be a distributed system, and the operations of the server computer may be executed concurrently and / or sequentially on one or more processors.

The simple settlement system 100 may be implemented in an application form in which at least some components are installed on a terminal used by the user 101. However, the present invention is not limited to this, and a simple payment service may be provided in a client- It is also possible to be implemented in a form that is included in the platform.

FIG. 2 is a block diagram illustrating an internal configuration of a simple settlement system in an embodiment of the present invention, and FIG. 3 is a flowchart illustrating a simple settlement method in an embodiment of the present invention.

The simple payment system 100 according to the present embodiment may include a processor 210, a bus 220, a network interface 230, a memory 240, and a database 250. The memory 240 may include an operating system 241 and a simple settlement routine 242. In other embodiments, the simple payment system 100 may include more components than the components of FIG.

The memory 240 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. Also, the memory 240 may store program codes for the operating system 241 and the payment processing routine 242. [ These software components may be loaded from a computer readable recording medium separate from the memory 240. [ Such a computer-readable recording medium may include a computer-readable recording medium (not shown) such as a floppy drive, a disk, a tape, a DVD / CD-ROM drive, or a memory card. In other embodiments, the software components may be loaded into the memory 240 via the network interface 230 rather than from a computer readable recording medium.

The bus 220 may enable communication and data transfer between the components of the simple payment system 100. The bus 220 may be configured using a high-speed serial bus, a parallel bus, a Storage Area Network (SAN), and / or other suitable communication technology.

The network interface 230 may be a computer hardware component for connecting the simple payment system 100 to a computer network. The network interface 230 may connect the simple payment system 100 to a computer network via a wireless or wired connection.

The database 250 stores and maintains information necessary for simple settlement. At this time, the database 250 may store identification information (e.g., mobile phone number, ID, etc.) of the user or an identification key that matches the identification information of the user for each user. The database 250 may store information on the payment means used at the time of ordering the home shopping for each user in association with the identification information or the identification key of the corresponding user. The information on the payment means can be input from the user through a separate pre-registration, or can be extracted from the user's previous payment history. In FIG. 2, the simple settlement system 100 includes the database 250, but it is also possible to exist as an external database built on a separate system. For example, an information DB constructed on an external platform that can be interlocked with the simple payment system 100 can be utilized as one of the databases 250.

The processor 210 may be configured to process instructions of a computer program by performing basic arithmetic, logic, and input / output operations of the simple payment system 100. The instructions may be provided by the memory 240 or the network interface 230 and to the processor 210 via the bus 220.

2, the processor 210 may include an information management unit 211, an authentication processing unit 212, and a payment processing unit 213. [ The components of such a processor 210 may be representations of different functions performed by the processor 210 in accordance with control commands provided by at least one program code. For example, the information management unit 211 can be used as a functional expression that operates to control the simple payment system 100 so that the processor 210 manages personal information including payment information. The components of the processor 210 and the processor 210 may perform the steps S310 to S340 included in the simple settlement method of FIG. For example, the components of processor 210 and processor 210 may be implemented to execute instructions in accordance with at least one of the above-described program codes with the code of the operating system that memory 240 contains. Here, at least one program code may correspond to a code of a program implemented to process the simple settlement method.

The simple settlement method may not occur in the order shown in FIG. 3, and some of the steps may be omitted or an additional process may be further included.

In step S310, the processor 210 may load the program code stored in the program file for the simple settlement method into the memory 240. [ For example, a program file for a simple payment method may be stored in a persistent storage device, and the processor 210 may load the program code from the program file stored in the persistent storage device via the bus 220 into the memory 240 It is possible to control the simple settlement system 100 as much as possible.

At this time, each of the information management unit 211, the authentication processing unit 212, and the payment processing unit 213 included in the processor 210 and the processor 210 receives a command of a corresponding part of the program code loaded in the memory 240 And may be different functional representations of processor 210 for executing subsequent steps S320 through S340. For the execution of steps S320 through S340, the processor 210 and the components of the processor 210 may process the operation according to the direct control command or may control the simple payment system 100. [

In step S320, the information management unit 211 may register and manage user information including personal information and payment information associated with the payment means for each user. For example, the information management unit 211 can register and manage the identification information matching the user identification information (e.g., mobile phone number, ID, etc.) or the identification information of the user as user information with respect to each user. Then, the information management unit 211 can register and manage payment information for each user by matching with the corresponding user information. The payment information may be entered directly from the user through a separate pre-registration procedure and registered. At this time, it is also possible to register commonly available payment means without dividing the home shopping, or to separately register the payment means to be used for each home shopping. As another example, the payment information can be extracted and registered automatically from the user's previous payment history or the like. For example, based on the user's agreement on the payment means used in the previous payment, the user can register the payment means to be available for future payment .

In step S330, when the payment request is received from the home shopping server 103, the authentication processing unit 212 may perform an authentication process for the user using the user information included in the payment request. For example, a user may request a product order through ARS using a telephone number to be displayed on a home shopping broadcast while a user watches a home shopping broadcast, or may request a product order by operating a menu displayed on a home shopping broadcast through a TV. At this time, the home shopping server 103 can receive the product order request through the ARS or the TV, and can transmit the payment request including the corresponding user information requesting the product order to the simple payment system 100. [ For example, the home shopping server 103 can request a user to input a mobile phone number through a TV and receive the input, or track a caller number associated with the ARS to obtain a user's mobile phone number. For example, the authentication processing unit 212 can receive the mobile phone number of the user requesting settlement from the home shopping server 103, and can perform user authentication using the received mobile phone number. The user authentication may be a mobile phone authentication method for confirming whether or not the mobile phone is owned by the user, and the present invention is not limited to this, and any authentication method that discriminates a legitimate user can be applied.

In step S340, if the authentication of the user is successful, the payment processing unit 213 can perform payment processing corresponding to the payment request of the home shopping server 103 using the payment information matched with the user information included in the payment request have. The settlement request of the home shopping server 103 may include a settlement amount, and if the user authentication is successful, the settlement processing unit 213 processes the settlement of the settlement amount included in the settlement request using the settlement information of the user . For example, the payment processor 213 confirms whether or not the user has previously registered the payment information, and if the user is successfully authenticated in the case of the pre-registered user, the payment processing unit 213 can perform automatic payment for prompt payment processing using the payment information of the user have. As another example, if the payment information is not a pre-registered user, the payment processing unit 213 may send the payment URL, which is the link information for the order book, using the mobile phone number of the user, The settlement processing can be performed by receiving the settlement information.

Accordingly, the simple payment system 100 can easily implement the home shopping payment process using the mobile phone number received from the home shopping server 103 according to the payment request of the home shopping server 103 for the home shopping order of the user.

4 is a flowchart illustrating an example of a home shopping payment process according to an exemplary embodiment of the present invention. The home shopping payment process of FIG. 4 is a payment process for a user whose payment information has not been pre-registered (a user who does not allow automatic payment).

The user can watch a home shopping broadcast through a TV, make a phone connection (ARS or an agent) with the home shopping using a phone number to be announced in a home shopping broadcast on a mobile phone, and request an order for goods according to a guide from the home shopping side (S41 ).

The home shopping server 103 can confirm the order option and the delivery address of the user through the telephone guide. If the user requests the settlement related to the simple payment system 100 in the process of selecting the payment means, , That is, the mobile phone number of the user, to the simple payment system 100 (S42). At this time, the home shopping server 103 can transmit the settlement request including the identification information of the home shopping server 103, the payment amount for the goods requested by the user, and the mobile phone number of the user to the simple payment system 100. It is also possible to transmit the mobile phone number directly input by the user to the simple payment system 100 in addition to the telephone caller number. At this time, the home shopping server 103 may terminate the telephone connection with the corresponding user after transmitting the settlement request to the simple settlement system 100 in cooperation with the simple settlement system 100.

When receiving the payment request of the home shopping server 103, the simple payment system 100 generates a payment URL, which is link information on the payment screen corresponding to the payment request, and transmits the payment URL to the user terminal 101 of the mobile phone number included in the payment request, (S43). For example, the simple settlement system 100 can send a settlement URL to the user terminal 101 through a character service such as SMS or MMS, or push a settlement URL to a dedicated application installed on the user terminal 101 .

The user terminal 101 can receive the payment URL by pushing the SMS, the MMS, or the dedicated application. When the user clicks the payment URL, the dedicated application is automatically executed and transmits a selection signal for the payment URL to the simple payment system 100 ) (S44).

The simple payment system 100 can provide a settlement screen corresponding to a settlement URL through a dedicated application executed on the user terminal 101 when a selection signal for a settlement URL is received from the user terminal 101 (S45 ).

When the user clicks the payment URL, the simple payment system 100 automatically recognizes the specific home shopping from the information corresponding to the payment URL, recommends the payment means most suitable for the home shopping, or recommends the benefit information such as available coupons (S46). For example, the simple payment system 100 can recommend a non-interest portion or a discounted card, recommend a coupon, a reserve, etc. on a payment screen in a dedicated application executed on the user terminal 101 have.

In the dedicated application on the user terminal 101, payment can be requested to the simple payment system 100 using the payment information selected or inputted through the payment screen (S47). The user can select or input the payment means and benefit information to be used in the home shopping order through the payment screen provided by the click of the payment URL.

The simple payment system 100 performs a payment process corresponding to the payment request of the home shopping server 103 using the payment information selected or inputted by the user in accordance with the payment request of the dedicated application executed on the user terminal 101 (S48). Thereafter, the simple payment system 100 can notify the settlement processing result to the home shopping server 103 and / or the user terminal 101 with a dedicated application.

According to the present embodiment, when the user selects the simple settlement through the home shopping telephone order, instead of receiving the payment information of the user in the telephone conversation with the ARS or the agent, the home shopping server 103 transmits the user's mobile telephone number The simple payment system 100 sends the URL for payment to the user terminal 101 of the mobile phone number, receives the payment information through the payment screen provided in the URL, Processing can be performed.

In addition to the telephone order, the user can view the home shopping broadcast on the TV and request the product order by operating the menu displayed on the home shopping broadcast on the TV. The home shopping server 103 can receive the order request through the menu operation on the TV, and the home shopping payment process (S42 to S48) described with reference to FIG. 4 can be similarly applied to the TV order request.

5 is a flowchart illustrating another example of a home shopping payment process according to an exemplary embodiment of the present invention.

FIG. 5 shows a process of making a payment for a home shopping order through a TV.

When the user watches the home shopping broadcast on the TV, the home shopping server 103 can provide the selected route guide information 501 for simple payment on the home shopping broadcast screen 500 of the TV (S51). When the user uses the Internet TV to view the home shopping broadcast, the home shopping server 103 can directly communicate with the corresponding terminal used by the user. In the case of using a TV such as a general airwave receiver, the home shopping server 103 transmits a home shopping broadcast And can communicate with a corresponding terminal used by a user through interworking with a sending CP. But the communication environment between the home shopping server 103 and the TV can be changed or extended as much as possible.

When the user operates the TV using a remote controller or the like to request the simple settlement, the home shopping server 103 can provide an input screen 510 for receiving the user's mobile phone number on the home shopping broadcasting screen 500 (S52), and can transmit the mobile phone number input by the user through the input screen 510 to the simple payment system 100. [ Then, the settlement process performed in the simple settlement system 100 is the same as the home shopping settlement process (S43 to S48) described with reference to FIG.

The home shopping server 103 can provide step-by-step guide information on the settlement process through the home shopping broadcast screen 500 in conjunction with the simple settlement system 100. For example, when the settlement URL is sent to the mobile phone number of the user in the simple payment system 100, the home shopping server 103 transmits a message including a message for informing the sending of the URL, a message for requesting confirmation after the settlement, Guidance information 520 may be provided (S53). When the payment for the TV order request is completed in the simple payment system 100, the home shopping server 103 may provide the completion guide information 530 including a message for informing of completion of payment (S54).

Accordingly, the simple payment system 100 sends the settlement URL to the mobile phone number of the user received from the home shopping server 103 for a telephone order or a TV order, and when the user sends a dedicated application or a mobile web The settlement processing can be performed by using the payment information inputted through the payment processing section.

As another example, it is possible to allow the automatic payment using the payment information by pre-registering the payment information to be used when ordering home shopping to the simple payment system 100 without inputting the payment information each time when ordering the home shopping.

Referring to FIG. 6, in the dedicated application related to the simple payment system 100, a setting screen 600 for setting a home shopping automatic payment can be provided.

The setting screen 600 includes a home shopping list screen 610 for providing a home shopping list (for example, a merchant list or the like) capable of providing a simple settlement service, a payment means registration screen for registering and adding a payment means for automatic settlement of home shopping 620), and the like.

The settlement means to be commonly used for the entire home shopping included in the home shopping list can be set through the setting screen 600 or the settlement means to be used when ordering the home shopping can be separately set for each home shopping included in the home shopping list .

The simple payment system 100 can store the virtual information without storing the actual information (for example, the actual card number, the account number, etc.) for the payment means.

The simple payment system 100 pre-registers the payment means to be used when ordering a home shopping and accepts the automatic payment of home shopping. When the user's mobile phone number is delivered from the home shopping server 103, It is possible to identify the pre-registered payment means and approve payment for the home shopping order immediately without confirming the payment information.

FIG. 7 is a flowchart illustrating an example of a home shopping automatic payment process according to an exemplary embodiment of the present invention.

FIG. 7 shows a process of performing an automatic payment for a home shopping order through a TV.

When the user watches the home shopping broadcast on the TV, the home shopping server 103 can provide the selected route guide information 701 for simple settlement on the home shopping broadcast screen 700 of the TV (S71).

When the user operates the TV using a remote controller or the like to request the simple settlement, the home shopping server 103 may provide an input screen 710 for receiving the user's mobile phone number on the home shopping broadcasting screen 700 (S72), and can transmit the mobile phone number input by the user through the input screen 710 to the simple payment system 100. [

When the mobile phone number is received from the home shopping server 103, the simple payment system 100 checks whether the user of the mobile phone number agrees with the automatic settlement of the home shopping. If the user agrees to the automatic settlement of the home shopping, You can send an authorization number to a number.

When the authentication number is transmitted to the mobile phone number of the user in the simple payment system 100 in cooperation with the simple payment system 100, the home shopping server 103 displays an input screen for receiving the authentication number on the home shopping broadcasting screen 700 (S73), and can transmit the authentication number input by the user through the input screen 720 to the simple payment system 100 again.

When the authentication number transmitted from the home shopping server 103 is identical to the authentication number transmitted to the user's mobile phone number, the simple payment system 100 immediately approves the automatic settlement of the home shopping using the payment means pre-registered by the user Can be processed.

In addition to the use of the authentication number, the user authentication method may also use a payment password, a PIN, a resident registration number, or the like.

When there are a plurality of payment methods pre-registered by the user, the simple payment system 100 can transmit information on the payment means list to the home shopping server 103, and request the user to select the payment means through the TV.

The home shopping server 103 receives the information on the user's payment means list from the simple payment system 100 and selects a specific payment means from the payment means list on the home shopping broadcasting screen 700, The selection screen 730 can be provided (S74), and the information on the payment means selected by the user can be transmitted to the simple payment system 100 through the selection screen 730. [

The simple payment system 100 can directly process the home shopping automatic payment using the payment means selected by the user via the TV when the user has a plurality of payment means pre-registered by the user.

Accordingly, a user who pre-registers a payment means when ordering a home shopping through TV and agrees to automatic settlement of a home shopping can easily complete the settlement if his or her own mobile phone authentication succeeds.

FIG. 8 is a flowchart illustrating another example of a home shopping automatic payment process in an embodiment of the present invention.

FIG. 8 shows a process of performing an automatic payment for a home shopping order through a telephone.

When the user watches the home shopping broadcast on the TV, the home shopping server 103 can provide the phone number guide information 801 for simple settlement on the home shopping broadcast screen 800 of the TV (S81).

The home shopping server 103 can connect the caller number associated with the ARS, that is, the user's mobile phone number, to the simple payment system 100 (step S82) .

When the mobile phone number is received from the home shopping server 103, the simple payment system 100 checks whether the user of the mobile phone number agrees with the automatic settlement of the home shopping. If the user agrees to the automatic settlement of the home shopping, The automatic settlement of the home shopping can be immediately approved using the pre-registered payment means.

At this time, the simple payment system 100 can perform the user authentication through the authentication procedure using the payment password, the PIN, the resident registration number, and the like for the mobile phone number received from the home shopping server 103 before approving the automatic payment .

When there are a plurality of payment means pre-registered by the user, the simple payment system 100 may transmit information on the payment means list to the home shopping server 103 to request the user to select a specific payment means.

When the home shopping server 103 receives information on the user's payment means list from the simple payment system 100, the home shopping server 103 provides the payment means list through the ARS guide, which is the home shopping order path of the user, and selects a specific payment means from the list (S83).

The user can check the list of payment means pre-registered by the user through the ARS guide and select the payment means to be used for the home shopping order in the list in accordance with the ARS guide (S84). Then, the home shopping server 103 informs the user The information on the selected payment means can be transmitted to the simple payment system 100. [

The simple payment system 100 can directly approve the automatic settlement of home shopping using the payment means selected by the user in accordance with the ARS guide when there are a plurality of payment means pre-registered by the user.

Accordingly, in the case of a user who pre-registers a payment means when ordering a home shopping through a telephone and agrees to an automatic payment of a home shopping, the user can easily complete the settlement if the user's own mobile phone authentication is successful.

In the case of automatic settlement of home shopping, even if a dedicated application is not executed on the user terminal, it is possible to identify the payment of the user who has accepted the automatic payment through the telephone number of the user for the TV or telephone order and process payment approval immediately.

As described above, according to the embodiments of the present invention, it is possible to reduce the user's effort and to shorten the settlement time with a simple settlement which does not need to input or input the settlement information every time. According to the embodiments of the present invention, it is possible to provide an environment in which the user can easily settle the payment without information leakage problem by pre-registering the payment information and then proceeding the home shopping payment immediately by simple authentication. According to the embodiments of the present invention, it is possible to enhance the brand effect of a home shopping company by providing a simple payment method optimized for a home shopping while ensuring convenience and security of settlement.

The apparatus described above may be implemented as a hardware component, a software component, and / or a combination of hardware components and software components. For example, the apparatus and components described in the embodiments may be implemented as 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, 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 As shown in FIG. 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.

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 (8)

In a simple payment method performed in a simple payment system implemented by a computer,
Matching pre-registered user information and payment information for each user;
Receiving a settlement request for a home shopping order of a user from a home shopping server related to a home shopping broadcast;
Performing an authentication process on the user using the user information included in the payment request; And
If authentication of the user is successful, performing payment processing corresponding to the payment request using payment information matched with user information included in the payment request
Lt; / RTI >
In the home shopping server, when the user watches the home shopping broadcast on the TV, it provides selection route guidance information for simple settlement on the home shopping broadcast screen of the TV, and when the user operates the TV Providing an input screen for receiving user information on the home shopping broadcasting screen and transmitting the user information entered through the input screen to the simple payment system by including the user information in the payment request
Wherein the payment method comprises the steps of: The method according to claim 1,
The home shopping server may include the telephone number input through the input screen in the payment request and transmit the telephone number to the simple payment system
Wherein the payment method comprises the steps of: The method according to claim 1,
Wherein the home shopping server includes a phone number input through the input screen and transmits the phone number to the simple payment system,
The step of performing the payment processing includes:
Transmitting a payment URL, which is link information for a payment screen corresponding to the payment request, to the terminal corresponding to the telephone number; And
Performing payment processing corresponding to the payment request using the payment information input through the payment screen
. The method of claim 3,
The step of performing the payment processing includes:
Recognizing a specific home shopping from the information corresponding to the payment URL and recommending at least one of the payment means and the benefit information according to the recognized home shopping;
Further comprising: The method according to claim 1,
Wherein the registering step comprises:
Registration of settlement information commonly used for a plurality of home shopping or registration of settlement information separately for each home shopping
Wherein the payment method comprises the steps of: The method according to claim 1,
The step of performing the payment processing includes:
Confirming whether the user is a user who agreed to the home shopping automatic settlement; And
Performing settlement processing corresponding to the settlement request using the settlement information matched with the user information if the user agrees to automatic settlement of the home shopping;
. The method according to claim 1,
The step of performing the payment processing includes:
Confirming whether the user is a user who agreed to the home shopping automatic settlement;
Confirming payment information matched with the user information when the user is a user who agreed to automatic settlement of home shopping;
Transmitting information on the plurality of payment means to the home shopping server when the payment information includes a plurality of payment means; And
Performing a payment process corresponding to the payment request using the payment means selected from the user among the plurality of payment means
Lt; / RTI >
The home shopping server provides information on the plurality of payment means through the home shopping order path of the user
Wherein the payment method comprises the steps of: In a simple payment system implemented by a computer,
An information management unit for matching and pre-registering user information and payment information for each user;
An authentication processor for performing an authentication process for the user using the user information included in the payment request upon receiving a payment request for a home shopping order of the user from a home shopping server related to the home shopping broadcast; And
And a payment processor for performing a payment process corresponding to the payment request using the payment information matched with the user information included in the payment request when authentication of the user is successful,
Lt; / RTI >
In the home shopping server, when the user watches the home shopping broadcast on the TV, it provides selection route guidance information for simple settlement on the home shopping broadcast screen of the TV, and when the user operates the TV Providing an input screen for receiving user information on the home shopping broadcasting screen and transmitting the user information entered through the input screen to the simple payment system by including the user information in the payment request
And a payment system.

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