KR20180030278A - Contacting method for payment gateway and payment processing method using the contacting method - Google Patents

Abstract

Disclosed are a contract conclusion method capable of easily concluding a contract for a payment agency through a user terminal, and a payment proceeding method using the same. The contract conclusion method which is performed by a payment agency server connected to a user terminal for any affiliated store A through the Internet, and concludes a contract with the affiliated store A for a payment agency, comprises the steps of: receiving a corporate registration number of an affiliated store A from a user terminal; receiving an image (hereinafter, referred to as a ′document image′) for a contract related document of the affiliated store A from the user terminal; creating a contract with the affiliated store A by using the corporate registration number of the affiliated store A and the document image of the affiliated store A; and processing the contract with the affiliated store A. Accordingly, a user is able to easily conclude a contract for a payment agency through a user terminal.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement method,

The present invention relates to a contract signing method and a payment process method using the same, and more particularly, to a contract signing method for signing a contract between a merchant and a payment agency, and a payment process method using the same.

Today, besides traditional payment methods, various payment methods are emerging. Recently, mobile payment systems using mobile communication terminals have been attracting much attention due to the development of networks including mobile communication networks, and currently not many related businesses provide mobile payment services.

In order to realize such a mobile payment service, an offline merchant who intends to make a mobile settlement, for example, a store, a restaurant, or a school, enters into a payment agency payment contract with a payment agency, And it is necessary to install it. When the offline merchant installs the payment terminal, the customer, who is a consumer, can easily perform payment of the goods by merely bringing his / her mobile terminal close to the payment terminal. In this way, since the user can easily perform the settlement of expenses through the mobile terminal, there is an advantage that it is not necessary to provide another payment means.

On the other hand, in order for the offline merchant to receive the mobile settlement service as described above, it is necessary to prepare a payment agency and a contract for receiving the corresponding service to conclude the contract. Specifically, for example, the owner of the offline merchant shop can access the payment agency site through the PC, download the contract form, fill in the necessary content, and send it directly to the mail or FAX, or scan the document and transmit it via e-mail . After that, the employee of the payment agency confirms the contents of the contract received from the offline merchant, and if it is determined that there is no abnormality, the contract can be completed and the contract with the offline merchant can be concluded.

However, if the owners of shops, restaurants, etc. are not skilled in using the PC, if it is not easy to empty the store, or if it takes a long time to sign the contract, it is highly likely that the contract will be renewed or the contract will be abandoned.

SUMMARY OF THE INVENTION Accordingly, the present invention has been made to solve the above-mentioned problems occurring in the prior art, and it is an object of the present invention to provide a contract concluding method capable of easily concluding a contract for payment via a user terminal.

Another problem to be solved by the present invention is to provide a payment proceeding method using the contract concluding method.

A method for contracting according to an embodiment of the present invention is performed by a payment agency server connected to a user terminal for an arbitrary merchant A and the Internet, and a method for concluding a contract for payment with the merchant A Receiving a business registration number of the franchisee A from the user terminal; Receiving an image (hereinafter referred to as "document image") of the contract related document of the merchant A from the user terminal; Creating a contract with the merchant A using the merchant registration number of the merchant A and the document image of the merchant A; And processing the contract with the franchisee A.

The document image of the merchant A may include an image generated by the user terminal photographing the contract related document of the merchant A. [

The contracting method may further include receiving signature information of the franchisee A from the user terminal.

The contracting method may further include providing contract-related information of the merchant A to the user terminal.

The step of processing the contract with the merchant A may further include the step of determining whether or not the contract with the merchant A is in agreement with the merchant registration number based on whether or not the merchant registration number of the merchant A provided from the user terminal matches the provider registration number, And determining whether or not to engage.

The contracting method may further include receiving and storing information on the franchisee A from an external server.

The step of processing the contract with the franchisee A may further include transmitting the result of the contracting to the user terminal.

The contract concluding method may further include managing a contract with the merchant A,

The step of managing the contract with the franchisee A may include displaying the processing state of the contract with the franchisee A on the user terminal.

The step of managing the contract with the franchisee A may include providing the user terminal with detailed information on the contract with the franchisee A, modifying the contract with the franchisee A, To the user terminal.

A method of contracting according to an embodiment of the present invention is performed by a payment agency server connected to a user terminal for an arbitrary merchant A and the Internet, and a method for concluding a contract for payment with the merchant A Creating a merchant agreement with the franchisee A; Creating a terminal usage contract with the merchant A; And processing at least one contract among the merchant agreement with the merchant A and the terminal use contract with the merchant A, The step of creating the merchant agreement with the merchant A may include receiving a merchant registration number of the merchant A from the user terminal, Receiving an image (hereinafter referred to as "document image") of the contract related document of the merchant A from the user terminal; And creating a merchant contract with the merchant A using the merchant registration number of the merchant A and the document image of the merchant A.

The document image of the merchant A may include an image generated by the user terminal photographing the contract related document of the merchant A. [

The step of creating the merchant agreement with the merchant A may further include receiving the signature information of the merchant A from the user terminal.

The step of creating the merchant contract with the merchant A may further include providing the contract related information of the merchant A to the user terminal.

The step of creating a terminal usage contract with the franchisee A may include receiving a business entity registration number of the franchisee A from the user terminal; Receiving signature information of the franchisee A from the user terminal; And creating a terminal usage contract with the merchant A using the business registration number of the merchant A and the signature information of the merchant A,

Wherein the step of processing the at least one contract includes a step of contracting the at least one contract according to whether or not the business registration number of the affiliated shop A provided from the user terminal matches the business registration number of the information on the franchisee A, And a step of determining whether or not it is possible.

The contracting method may further include receiving and storing information on the franchisee A from an external server.

The step of processing the at least one contract may further include transmitting the result of the contracting to the user terminal.

The contracting method may further include managing at least one of a franchise agreement with the franchisee A and a terminal use contract with the franchisee A. [

Wherein the step of managing at least one of the merchant contract with the merchant A and the terminal use contract with the merchant A includes displaying at least one processing status among the merchant contract with the merchant A and the contract with the merchant A on the user terminal . ≪ / RTI >

The step of managing at least one of the merchant contract with the merchant A and the terminal use contract with the merchant A may include providing detailed information on the contract with the merchant A to the user terminal in accordance with a request signal from the user terminal, A, or downloading a contract with the merchant A to the user terminal.

A method of payment processing according to an exemplary embodiment of the present invention relates to a method performed by a payment agency server connected to a user terminal and an affiliate store terminal for an arbitrary merchant A, Signing a contract for payment with the merchant A; And proceeding to settlement of the merchant A by receiving the card information and the settlement cost from the merchant terminal. At this time, the step of establishing a contract for payment with the franchisee A includes receiving a business registration number of the franchisee A from the user terminal; Receiving an image (hereinafter referred to as "document image") of the contract related document of the merchant A from the user terminal; Creating a contract with the merchant A using the merchant registration number of the merchant A and the document image of the merchant A; And processing the contract with the franchisee A.

The document image of the merchant A may include an image generated by the user terminal photographing the contract related document of the merchant A. [

The payment progress method may further include providing the sales related information of the merchant A to the user terminal.

The sales-related information of the franchisee A may include sales statistics information of the franchisee A.

The sales related information of the merchant A may further include at least one of promotion information and coupon issuance information generated using the sales statistical information of the merchant A,

A method of payment processing according to an exemplary embodiment of the present invention relates to a method performed by a payment agency server connected to a user terminal and an affiliate store terminal for an arbitrary merchant A, Signing a contract for payment with the merchant A; And proceeding to settlement of the merchant A by receiving the card information and the settlement cost from the merchant terminal. At this time, the step of establishing a contract for payment with the franchisee A comprises the steps of: creating a franchise agreement with the franchisee A; Creating a terminal usage contract with the merchant A; And processing at least one contract among the merchant agreement with the merchant A and the terminal use contract with the merchant A, The step of creating the merchant agreement with the merchant A may include receiving a merchant registration number of the merchant A from the user terminal, Receiving an image (hereinafter referred to as "document image") of the contract related document of the merchant A from the user terminal; And creating a contract with the merchant A using the merchant registration number of the merchant A and the document image of the merchant A,

The document image of the merchant A may include an image generated by the user terminal photographing the contract related document of the merchant A. [

The payment progress method may further include providing the sales related information of the merchant A to the user terminal.

The sales-related information of the franchisee A may include sales statistics information of the franchisee A.

The sales related information of the merchant A may further include at least one of promotion information and coupon issuance information generated using the sales statistical information of the merchant A,

The method of contracting according to an embodiment of the present invention is a method of contracting a payment agency with a payment agency performed by a user terminal for an arbitrary merchant A connected through a payment agency server and the Internet Providing a business entity registration number of the merchant A to the payment agent server; Providing an image (hereinafter referred to as "document image") of the contract related document of the merchant A to the payment agency server; And displaying a contract completion message of the contract with the payment agency generated using the business registration number of the franchisee A and the document image of the franchisee A from the payment agency server and displaying it.

The step of providing the document image of the merchant A to the payment agency server includes the step of providing the document image of the merchant A generated by shooting the contract related document of the merchant A or stored in the internal memory to the payment agency server can do.

The contracting method may further include providing signature information of the merchant A to the payment agent server.

The contracting method may further include receiving and displaying contract-related information of the merchant A from the payment agency server.

The contract concluding method may further include receiving a result of processing the contract with the payment agency from the payment agency server.

The result of the processing of the contract with the payment agency is that the payment agency server determines that the payment agent is not registered in accordance with whether the business agent registration number of the affiliated shop A provided from the user terminal is pre- And the result of determining whether to conclude a contract with the contract.

The contracting method may further include the step of accessing the payment agency server and managing a contract with the payment agency.

The step of managing the contract with the payment agency may include a step of displaying the processing status of the contract with the payment agency from the payment agent server.

The step of managing the contract with the payment agency may further include receiving and displaying detailed information on a contract with the payment agency from the payment agency server according to a request signal of the user terminal transmitted to the payment agency server, A contract with the agency, or downloading a contract with the payment agency from the payment agency server.

The method of contracting according to an embodiment of the present invention is a method of contracting a payment agency with a payment agency performed by a user terminal for an arbitrary merchant A connected through a payment agency server and the Internet Creating a merchant agreement with the payment agency; And creating a terminal usage contract with the payment agency, wherein the step of creating a merchant agreement with the payment agency provides the business agent registration number of the merchant A to the payment agent server; Providing an image (hereinafter referred to as "document image") of the contract related document of the merchant A to the payment agency server; And displaying a receipt completion message of the merchant agreement with the payment agency generated using the merchant registration number of the merchant A and the document image of the merchant A from the payment agency server and displaying the message.

The step of providing the document image of the merchant A to the payment agency server includes the step of providing the document image of the merchant A generated by shooting the contract related document of the merchant A or stored in the internal memory to the payment agency server can do.

The step of creating the merchant agreement with the payment agency may further include providing the signature information of the merchant A to the payment agent server.

The step of creating the merchant agreement with the payment agency may further include receiving and displaying the contract related information of the merchant A from the payment agency server.

The step of creating a terminal usage contract with the payment agency may include providing a business entity registration number of the merchant A to the payment agency server; Providing signature information of the merchant A to the payment agent server; And a step of receiving and displaying, from the payment agency server, a message of creating a terminal usage contract with the payment agency created using the business entity registration number of the merchant A and the signature information of the merchant A, and displaying the message.

The contracting method may further include receiving from the payment agency server a result of processing at least one contract between the merchant contract with the payment agent and the terminal use contract with the payment agent.

Wherein the result of the processing of the at least one contract is that the payment agency server has received at least one of the merchant registration numbers of the merchant A provided from the user terminal according to whether the merchant registration number of the merchant A And may include the result of determining whether to conclude a contract for a contract.

The contracting method may further include the step of accessing the payment agency server, managing at least one of a merchant contract with the payment agent and a terminal use contract with the payment agent.

The step of managing the at least one contract may include receiving and displaying the processing status of the at least one contract from the payment agency server.

Wherein the step of managing the at least one contract includes receiving and displaying detailed information on the at least one contract from the payment agency server according to a request signal of the user terminal transmitted to the payment agency server, Modify the contract, or download the at least one contract from the payment agency server.

As described above, according to the contracting method and the payment proceeding method using the same according to the present invention, after a representative of an arbitrary merchant A enters his / her business registration number of the merchant A through his / her own user terminal, By photographing the document, a contract for paying a payment with the payment agency can be easily created and a contract can be concluded.

The payment agency server confirms whether or not there is a business registration number matching the business registration number of the merchant A inputted from the user terminal in the information provided and stored from the external server, for example, the VAN agency server, It is possible to automatically enter into a contract with the franchisee A if there is a business registration number.

Also, the representative of the franchisee A can access the payment agency server through the user terminal, confirm the proceeding status of the completed contract, edit some contents, or download the entire contract.

FIG. 1 is a flow chart for explaining a payment proceeding method according to an embodiment of the present invention.
FIG. 2 is a conceptual diagram showing a relationship between a payment agency server, a user terminal, and an external server in the settlement proceeding method of FIG. 1. FIG.
3 is a flowchart for explaining a contracting method with the merchant A in the settlement proceeding method of FIG.
Fig. 4 is a flowchart for explaining a method of creating a contract out of the contract concluding methods of Fig. 3;
5 is a diagram illustrating an example of an intro screen, a main screen, and a contract form selection screen displayed on the user terminal.
6 is a flowchart for explaining a method of creating a merchant contract in the contract creation method of FIG.
7 is a view showing an example of a business registration number input screen, a merchant information input screen and individual notice confirmation screen displayed on the user terminal.
8 is a diagram showing an example of a payment service provision general condition confirmation screen and a consent screen such as personal information collection displayed on the user terminal.
9 is a diagram illustrating an example of document registration screens displayed on the user terminal.
10 is a diagram showing an example of a contract submission completion screen displayed on the user terminal.
11 is a flowchart for explaining a method of creating a terminal usage contract in the contract creation method of FIG.
12 is a view showing an example of a business registration number input screen, a merchant information input screen and a terminal use general condition confirmation screen displayed on the user terminal.
13 is a view showing an example of a representative signature input screen and a contract submission completion screen displayed on the user terminal.
14 is a flowchart for explaining a contract processing method in the contract concluding method of FIG.
15 is a view showing an example of a main screen, a login screen, and a contract list screen displayed on the user terminal.
FIG. 16 is a flowchart for explaining a method of proceeding with settlement among the settlement proceeding method of FIG. 1. FIG.
17 is a conceptual diagram for explaining a process in which sales related information among the payment progress methods of FIG. 1 is provided to the merchant A;
FIG. 18 is a diagram for explaining sales related information in FIG. 17; FIG.

The present invention is capable of various modifications and various forms, and specific embodiments are illustrated in the drawings and described in detail in the text.

It should be understood, however, that the invention is not intended to be limited to the particular forms disclosed, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention. The terms first, second, etc. may be used to describe various elements, but the elements should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. In the present application, the terms "comprising" or "having ", and the like, are intended to specify the presence of stated features, integers, steps, operations, elements, parts, or combinations thereof, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, parts, or combinations thereof.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to the preferred embodiments of the present invention, examples of which are illustrated in the accompanying drawings.

FIG. 1 is a flow chart for explaining a payment proceeding method according to an embodiment of the present invention, and FIG. 2 is a conceptual diagram showing a relationship between a payment agency server, a user terminal, and an external server in the payment progress method of FIG.

Referring to FIGS. 1 and 2, a payment proceeding method according to the present embodiment is a method of mobile payment proceeding between an arbitrary payment agency and an arbitrary merchant A, and includes a payment agency server 10, The user terminal 20 and the external server 30 can be used.

The payment agency server 10 is a computer system disposed in the payment agency, and can exchange signals with the user terminal 20 and the external server 30 via the Internet. The user terminal 20 may be a mobile communication terminal owned by a user associated with the affiliated shop A, that is, a manager or a representative of the affiliated shop A. For example, the user terminal 20 is a smart device including a smart phone, a tablet PC, and the like capable of running an application program, and can display various screens through the display unit. The external server 30 is a computer system storing information on the franchisee A, for example, a VAN agency server. At this time, the VAN agent server may further store information on other merchants other than the merchant A.

The payment agency server 10 is connected to the user terminal 20 and the external server 30 to establish a payment agency contract for payment between the payment agency and the merchant A (S100).

Then, when a payment agency agreement is established between the payment agency and the merchant A, the payment agency server 10 can proceed to settle the settlement by a plurality of consumers' terminals at the merchant A (S200).

Then, the payment agency server 10 can provide the sales-related information to the merchant A when the payment is made at the merchant A and the payment results are accumulated (S300).

FIG. 3 is a flowchart for explaining a contracting method with the merchant A in the settlement proceeding method of FIG. 1, and FIG. 4 is a flowchart for explaining a contracting method of the contracting method of FIG.

Referring to FIGS. 1, 3, and 4, a detailed description will be made of a process (S100) of establishing a contract for payment between the payment agency and the merchant A (step S100).

First, the payment agent server 10 may access the external server 30 to receive information on the franchisee A from the external server 30 (S110). At this time, the information on the franchisee A may include the business registration number of the franchisee A.

The payment agency server 10 may access the user terminal 20 and create a contract for payment between the payment agency and the merchant A at step S120. That is, in step S120, the user terminal 20 may access the payment agency server 10 to create a contract for payment between the payment agency and the franchisee A. At this time, the contract for the payment agent may include a merchant agreement between the payment agency and the merchant A, and a terminal use contract between the payment agency and the merchant A. Accordingly, the step S120 may include the step of creating the merchant agreement (S122) and the step of creating the terminal use contract (S124). Meanwhile, the step S120 may be performed before, simultaneously with, or after the step S110.

When the step S110 and the step S120 are performed, the payment agency server 10 may process at least one of the merchant agreement and the terminal use contract at step S130.

If the at least one contract is processed in step S130, the payment agency server 10 can manage at least one of the franchise agreement and the terminal usage contract according to the input signal of the user terminal 20. [ (S140). That is, the user terminal 20 may access the payment agency server 10 and manage at least one of the merchant agreement and the terminal use contract.

5 is a diagram illustrating an example of an intro screen, a main screen, and a contract form selection screen displayed on the user terminal.

Referring to FIG. 5, in step S120, when the user terminal 20 accesses the payment agency server 10, the main screen may be displayed after the intro screen is displayed. That is, the payment agency server 10 can continuously display the intro screen and the main screen on the user terminal 20. At this time, the main screen may include a contract creation button for creating a contract and a contract management button for managing the created contract.

Then, when the user terminal 20 clicks the contract creation button of the main screen by a user's touch input, a contract form selection screen can be displayed. That is, the payment agency server 10 can display the contract form selection screen on the user terminal 20 by an input signal of the user terminal 20. [ At this time, the contract form selection screen may include a merchant contract button for creating a merchant contract, and a terminal usage contract button for creating a terminal usage contract.

FIG. 6 is a flow chart for explaining a method of creating a merchant contract in the contract creation method of FIG. 4, FIG. 7 is a diagram showing an example of a business registration number input screen, a merchant information input screen, FIG. 8 is a view showing an example of a settlement service provision general condition confirmation screen and personal information collection agreement screen displayed on the user terminal, FIG. 9 is an illustration of document registration screens displayed on the user terminal, And FIG. 10 is a diagram showing an example of a contract submission completion screen displayed on the user terminal.

Referring to FIG. 5 to FIG. 10, the merchant agreement creation step (S122) will be described in detail.

First, when the user terminal 20 clicks the merchant agreement button on the contract form selection screen by the user's touch input, the operator registration number input screen can be displayed. That is, the payment agency server 10 can display the business registration number input screen on the user terminal 20 by an input signal of the user terminal 20. [ At this time, the business registration number input screen may include a space for the user to input the business registration number.

Then, when the user terminal 20 inputs the business registration number of the merchant A and clicks the next button on the business registration number input screen, the business registration number of the merchant A is provided to the payment agency server 10 , The merchant information input screen can be displayed (S122a). That is, the payment agency server 10 can receive the business registration number of the affiliated shop A from the user terminal 20 by the input signal of the user terminal 20. [ At this time, the merchant information input screen may include a space for signing the merchant name and a space for signing the name of the alias name representative. Here, the signature may mean that the signature is directly created by using the user's hand or tool.

Then, when the user terminal 20 creates a signature by the user's input action on the merchant information input screen and then clicks the next button, the user terminal 20 provides the created signature information to the payment agency server 10, (S122b). That is, the payment agency server 10 can receive the signature information from the user terminal 20 by an input signal of the user terminal 20. [ At this time, the individual notice confirmation screen may include a space for confirming the item on the individual notice of the merchant fee.

Then, when the user terminal 20 confirms the contents of the notice on the individual notice confirmation screen and then clicks the next button, the user terminal 20 provides the payment agent server 10 with information that the notification contents have been confirmed, A condition check screen can be displayed (S122c). That is, the payment agency server 10 can receive information that the user confirms the contents of the notice by the input signal of the user terminal 20 from the user terminal 20. At this time, the settlement service provision general condition confirmation screen may include a space for checking the general condition of the settlement service provision.

Then, when the user terminal 20 confirms the general condition for providing the settlement service and then clicks the next button by an input action of the user, an agreement screen such as personal information collection can be displayed. At this time, the consent screen for collecting personal information may include a space for confirming consent of collecting / using / providing personal information, consignment of consignment, and deciding whether or not to consent.

Then, when the user terminal 20 confirms the collection of personal information and then clicks the next button by the user's input action, the document registration screen can be displayed. At this time, the document registration screen may include a space for registering an image (hereinafter, referred to as' document image ') of the contract related document of the merchant A'. Here, the contract related documents of the merchant A may include a business registration certificate, a passbook, and a representative ID (in the case of a corporation, a certified copy of a corporation registration). That is, the document registration screen is divided into a plurality of documents, and one document can be registered on each document registration screen.

Subsequently, when the user terminal 20 registers the document image of the affiliated shop A and clicks the submit button by the input action of the user, the document image of the affiliated shop A can be provided to the payment agency server 10 ( S122d). That is, the payment agent server 10 can receive a document image of the franchisee A from the user terminal 20 based on an input signal of the user terminal 20. Specifically, for example, the user terminal 20 photographs the contract-related documents of the merchant A using the internal camera, generates a document image of the merchant A, and then transmits the document image of the merchant A to the payment agent server (10). Alternatively, the user terminal 20 may provide the document image of the merchant A stored in the internal memory to the payment agency server 10 as it is.

Subsequently, when the user terminal 20 provides the document image of the merchant A to the payment agency server 10, a contract submission completion screen including a message for completion and submission of the merchant agreement can be displayed (S122e). That is, if the payment agency server 10 receives the document image of the affiliated shop A from the user terminal 20, the user terminal 20 completes the creation of the merchant agreement and displays the contract submission completion screen on the user terminal 20 .

FIG. 11 is a flow chart for explaining a method of creating a contract of use of a contract in FIG. 4, FIG. 12 is a flowchart illustrating an example of a business registration number input screen, a merchant information input screen, FIG. 13 is a diagram showing an example of a representative signature input screen and a contract submission completion screen displayed on the user terminal.

Referring to FIG. 5 and FIG. 11 to FIG. 13, the terminal usage contract creation step (S122) will be described in detail. At this time, the terminal usage contract may be a contract for use of the merchant terminal installed in the merchant A so that mobile payment can be made by the consumer. At this time, the merchant terminal may proceed the payment through a payment means other than the mobile terminal, for example, T-Money.

First, when the user terminal 20 clicks the terminal usage contract button on the contract form selection screen by the touch input of the user, the operator registration number input screen can be displayed. That is, the payment agency server 10 can display the business registration number input screen on the user terminal 20 by an input signal of the user terminal 20. [ At this time, the business registration number input screen may include a space for the user to input the business registration number.

Then, when the user terminal 20 inputs the business registration number of the merchant A and clicks the next button on the business registration number input screen, the business registration number of the merchant A is provided to the payment agency server 10 The merchant information input screen can be displayed (S124a). That is, the payment agency server 10 can receive the business registration number of the affiliated shop A from the user terminal 20 by the input signal of the user terminal 20. [ At this time, the merchant information input screen may include a space for signing each of the merchant name and the name of the pseudonymant representative.

Then, when the user terminal 20 creates a signature based on the user's input action on the merchant information input screen and then clicks the next button, the created signature information is provided to the payment agency server 10, A confirmation screen can be displayed (S124b). That is, the payment agency server 10 can receive the signature information from the user terminal 20 by an input signal of the user terminal 20. [ At this time, the terminal general condition confirmation screen may include a space for confirming general conditions for using the exclusive terminal for the merchant.

Then, when the user terminal 20 confirms the general condition of using the merchant-exclusive terminal by the user's input action on the terminal general condition confirmation screen and then clicks the next button, the general condition for using the merchant exclusive terminal is confirmed The representative signature input screen can be displayed while providing information to the payment agency server 10 (S124c). That is, the payment agency server 10 can receive the signature information from the user terminal 20 by an input signal of the user terminal 20. [ At this time, the representative signature input screen may include a space for checking the quantity of the terminal and a space for signing the representative name.

Then, when the user terminal 20 checks the quantity of the terminal by the user's input action on the representative signature input screen, signs the representative name, and then clicks the next button, the terminal quantity information and the representative signature information are transmitted to the payment agency To the server 10 (S124d). That is, the payment agency server 10 may receive the number-of-terminals information and the representative signature information from the user terminal 20 according to an input signal of the user terminal 20.

Subsequently, when the user terminal 20 provides the terminal quantity information and the representative signature information to the payment agency server 10, a contract submission completion screen including a message for completion and submission of the terminal usage contract is displayed (S124e). That is, when the payment agent server 10 receives the terminal quantity information and the representative signature information from the user terminal 20, the payment agency server 10 completes the creation of the terminal usage contract and transmits the contract submission completion screen to the user terminal 20 ).

14 is a flowchart for explaining a contract processing method in the contract concluding method of FIG.

Referring to FIGS. 3 and 14, when the creation of at least one of the merchant agreement and the terminal use contract is completed, the payment agency server 10 may process the at least one contract (S130).

Specifically, for example, first, the payment agent server 10 compares the business registration number of the merchant A provided from the user terminal 10 with the information stored in the external server 30 and stores the business registration number It can be determined whether there is a match (S132).

As a result of the determination in step S132, if it is determined that there is a business registration number that matches the business registration number of the merchant A provided from the user terminal 10, the payment agency server 10 concludes the contract according to the contents of the at least one contract (S134).

If it is determined in step S132 that there is no business registration number matching the business registration number of the merchant A provided from the user terminal 10, the payment agency server 10 transmits (S136). ≪ / RTI >

Thereafter, the payment agency server 10 may provide the result of the contracting of the at least one contract to the user terminal 10 or a predetermined mail address (S138). Meanwhile, if it is determined that the payment agency server 10 is concluded in accordance with the content of the at least one contract, the user terminal 20 may further provide login information for the franchisee A.

15 is a view showing an example of a main screen, a login screen, and a contract list screen displayed on the user terminal.

3 and 15, when the at least one contract is processed, the user terminal 20 accesses the payment agent server 10 to manage at least one of the merchant agreement and the terminal use contract (S140). That is, the payment agency server 10 can manage at least one of the merchant agreement and the terminal usage contract according to the input signal of the user terminal 20. [

More specifically, for example, the user terminal 20 can display a login screen when the user clicks the contract management button in the main screen by an input action of the user. At this time, the login screen may include a space for inputting the login information provided according to the concluding of the at least one contract.

Then, the user terminal 20 can display a contract list screen capable of managing the at least one contract when the user logs in by inputting the login information on the login screen by a user's input action. Herein, the contract list screen may include a processing status of the at least one contract, for example, a space that allows the user to know whether the contract has been completed and only the submission has been completed or the contract has been processed and the contract has been completed have. That is, the payment agency server 10 can provide the processing state of the at least one contract to the user terminal 20 for display.

In addition, the contract list screen may further include a space for confirming the detailed information of the at least one contract, a space for modifying the at least one contract, and a space for downloading the at least one contract . Accordingly, the user terminal 20 can display detailed information on the at least one contract, change or modify the at least one contract, or download the at least one contract according to a user's input action . At this time, when the at least one contract is corrected, the payment agency server 10 may process the contract again and provide the result to the user terminal 10.

FIG. 16 is a flowchart for explaining a method of proceeding with settlement among the settlement proceeding method of FIG. 1. FIG.

Referring to FIG. 1 and FIG. 16, when a payment agency transaction is established between the payment agency and the merchant A, the payment agency server 10 can proceed payment by the terminals of a plurality of consumers at the merchant A (S200).

Specifically, for example, when the mobile terminal 40 held by a certain consumer is brought close to the franchisee terminal 50 installed in the franchisee A, the card information A registered in the mobile terminal 40 is transmitted to the franchisee terminal 50) to request the settlement of expenses.

Then, the franchisee terminal 50 may provide the card information A and the payment cost information to be paid to the payment agency server 10.

After that, the payment agency server 10 determines which VAN company (online credit card inquiry company) is associated with the credit card information of the card information A, and transmits the card information to the VAN company server 60 installed in the VAN company A and the settlement cost information.

Thereafter, the VAN company server 60 transmits the card information A and the settlement cost information to the card company server 70, and the card company server 70 uses the card information A and the settlement cost information to perform settlement You can proceed.

On the other hand, when the payment is repeatedly performed by a plurality of consumers at a plurality of merchants including the merchant A, the payment agency server 50 may store the payment progress result by each merchant.

FIG. 17 is a conceptual view for explaining a process in which sales related information is provided to the merchant A in the settlement proceeding method of FIG. 1, and FIG. 18 is a view for explaining sales related information in FIG.

Referring to FIGS. 1, 17 and 18, when the settlement result is accumulated in the merchant A and the payment result is accumulated in the merchant A, the payment agency server 10 transmits the settlement result to the user terminal 20 Information related to sales can be provided (S300).

The sales-related information of the franchisee A may include sales statistics information of the franchisee A. The sales statistical information of the franchisee A may be statistical data sorted by day, week, month, quarter, and year.

The sales related information of the merchant A may further include at least one of promotion information and coupon issuing information generated using the sales statistical information of the merchant A, The promotion information may include detailed information on a promotion currently being performed at the franchisee A. [ The coupon issue information may include information on a coupon issued according to sales results of each customer, a coupon provided by sex or age, and the like.

As described above, according to the present embodiment, after a representative of an arbitrary merchant A inputs a business registration number of the merchant A via the user terminal 20 owned by the merchant A, the contract related document of the merchant A is photographed, The contract can be concluded with ease by creating a contract for payment counterpart with the contractor.

In addition, the payment agency server 10 receives, from the information provided from the external server 30, for example, the VAN agency server, information on a business operator matching the business registration number of the affiliated shop A received from the user terminal 20 It is possible to confirm whether there is a registration number, and if there is a matching business registration number, a contract with the franchisee A can be automatically concluded.

In addition, the representative of the franchisee A can access the payment agency server through the user terminal 20, check the progress of the completed contract, check the contents of the contract, or download the entire contract have.

While the present invention has been described in connection with what is presently considered to be practical and exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.

10: Payment Agent Server 20: User Terminal
30: external server 40: mobile terminal
50: Merchant terminal 60: VAN server
70: Card issuer server

Claims (50)

A contract execution method executed by a payment agency server connected to a user terminal for an arbitrary merchant shop A through the Internet and for concluding a payment agency transaction with the merchant shop A,
Receiving a business registration number of the merchant A from the user terminal;
Receiving an image (hereinafter referred to as "document image") of the contract related document of the merchant A from the user terminal;
Creating a contract with the merchant A using the merchant registration number of the merchant A and the document image of the merchant A; And
And processing the contract with the franchisee A. The method according to claim 1, wherein the document image of the merchant A
Wherein the user terminal comprises an image generated by photographing a contract related document of the merchant A, The method according to claim 1, further comprising receiving signature information of the merchant A from the user terminal. The method according to claim 1, further comprising providing contract-related information of the merchant A to the user terminal. The method of claim 1, wherein the step of processing a contract with the merchant A
Determining whether a contract for the contract with the franchisee A is to be concluded according to whether the business registration number of the franchisee A provided from the user terminal matches the business registration number of the information on the franchisee A stored in advance How to sign a contract with features. The method as claimed in claim 5, further comprising the step of receiving and storing information on the franchisee A from an external server. 6. The method according to claim 5, wherein the step of processing the contract with the merchant A
And transmitting the result of the contracting to the user terminal. The method according to claim 1, further comprising the step of managing a contract with the franchisee (A). 9. The method according to claim 8, wherein managing the contract with the merchant A
And displaying the processing state of the contract with the merchant A on the user terminal. 10. The method according to claim 9, wherein the step of managing the contract with the merchant A
A step of providing detailed information on a contract with the franchisee A to the user terminal in accordance with a request signal from the user terminal or correcting a contract with the franchisee A or downloading a contract with the franchisee A to the user terminal The contracting method comprising the steps of: A contract execution method executed by a payment agency server connected to a user terminal for an arbitrary merchant shop A through the Internet and for concluding a payment agency transaction with the merchant shop A,
Creating a merchant agreement with the franchisee A;
Creating a terminal usage contract with the merchant A; And
And processing the at least one contract among the merchant agreement with the merchant A and the terminal use contract with the merchant A,
The step of creating a merchant contract with the merchant A
Receiving a business registration number of the merchant A from the user terminal;
Receiving an image (hereinafter referred to as "document image") of the contract related document of the merchant A from the user terminal; And
And creating a merchant contract with the merchant A using the merchant registration number of the merchant A and the document image of the merchant A. The method of claim 1, 12. The method of claim 11, wherein the document image of the merchant A
Wherein the user terminal comprises an image generated by photographing a contract related document of the merchant A, 12. The method of claim 11, wherein the step of creating a merchant agreement with the merchant A
And receiving signature information of the franchisee A from the user terminal. 12. The method of claim 11, wherein the step of creating a merchant agreement with the merchant A
And providing contract-related information of the merchant A to the user terminal. 12. The method of claim 11, wherein the step of creating a terminal usage contract with the merchant A
Receiving a business registration number of the merchant A from the user terminal;
Receiving signature information of the franchisee A from the user terminal; And
And creating a terminal use contract with the franchisee A by using the business registration number of the franchisee A and the signature information of the franchisee A. [ 16. The method of claim 15, wherein processing the at least one contract comprises:
And determining whether to conclude a contract for the at least one contract according to whether the business registration number of the franchisee A provided from the user terminal matches the business registration number of the information on the franchisee A stored in advance Of the contract. The method according to claim 16, further comprising receiving and storing information on the franchisee A from an external server. 17. The method of claim 16, wherein processing the at least one contract comprises:
And transmitting the result of the contracting to the user terminal. The method according to claim 11, further comprising the step of managing at least one of a franchise agreement with the franchisee (A) and a terminal use contract with the franchisee (A). The method as claimed in claim 19, wherein the step of managing at least one of the merchant agreement with the merchant A and the contract with the merchant A
And displaying the at least one processing status among the merchant agreement with the merchant A and the terminal use contract with the merchant A on the user terminal. 21. The method of claim 20, wherein managing at least one of the merchant agreement with the merchant A and the contract with the merchant A
A step of providing detailed information on a contract with the franchisee A to the user terminal in accordance with a request signal from the user terminal or correcting a contract with the franchisee A or downloading a contract with the franchisee A to the user terminal The contracting method comprising the steps of: A payment proceeding method performed by a payment agent server connected to a user terminal and an affiliate shop terminal for an arbitrary merchant A,
Connecting with the user terminal through the Internet and concluding a contract for payment with the franchisee A; And
Receiving the card information and the settlement cost from the franchisee terminal and proceeding to the franchisee A,
The step of concluding a contract for payment with the merchant A
Receiving a business registration number of the merchant A from the user terminal;
Receiving an image (hereinafter referred to as "document image") of the contract related document of the merchant A from the user terminal;
Creating a contract with the merchant A using the merchant registration number of the merchant A and the document image of the merchant A; And
And processing the contract with the franchisee (A). 23. The method of claim 22, wherein the document image of the merchant A is
Wherein the user terminal comprises an image generated by photographing a contract related document of the merchant A, 23. The method according to claim 22, further comprising the step of providing sales-related information of the merchant A to the user terminal. 25. The method according to claim 24, wherein the sales related information of the merchant A
And sales statistical information of the merchant A is included. The method according to claim 25, wherein the sales-related information of the merchant A
Further comprising at least one of promotional information and coupon issue information generated using the sales statistical information of the merchant A, A payment proceeding method performed by a payment agent server connected to a user terminal and an affiliate shop terminal for an arbitrary merchant A,
Connecting with the user terminal through the Internet and concluding a contract for payment with the franchisee A; And
Receiving the card information and the settlement cost from the franchisee terminal and proceeding to the franchisee A,
The step of concluding a contract for payment with the merchant A
Creating a merchant agreement with the franchisee A;
Creating a terminal usage contract with the merchant A; And
Processing the at least one contract among the merchant agreement with the merchant A and the terminal use contract with the merchant A,
The step of creating a merchant contract with the merchant A
Receiving a business registration number of the merchant A from the user terminal;
Receiving an image (hereinafter referred to as "document image") of the contract related document of the merchant A from the user terminal; And
And creating a contract with the franchisee A using the business registration number of the franchisee A and the document image of the franchisee A. [ 30. The method of claim 27, wherein the document image of the merchant A is
Wherein the user terminal comprises an image generated by photographing a contract related document of the merchant A, 28. The method of claim 27, further comprising providing sales-related information of the merchant A to the user terminal. 30. The method according to claim 29, wherein the sales related information of the merchant A
And sales statistical information of the merchant A is included. The method of claim 30, wherein the sales-related information of the merchant A
Further comprising at least one of promotional information and coupon issue information generated using the sales statistical information of the merchant A, A contracting method for contracting a payment agency with a payment agency server, the contract agent being executed by a user terminal for an arbitrary merchant A connected via the Internet,
Providing a business agent registration number of the merchant A to the payment agent server;
Providing an image (hereinafter referred to as "document image") of the contract related document of the merchant A to the payment agency server; And
And displaying a contract completion message of the contract with the payment agency generated using the business entity registration number of the franchisee A and the document image of the franchisee A from the payment agency server and displaying the contract message. . The method of claim 32, wherein providing the document image of the merchant A to the payment agency server
And providing the payment agent server with a document image of the merchant A created by shooting contract documents of the merchant A or stored in the internal memory. The method according to claim 32, further comprising providing signature information of the merchant A to the payment agency server. The method of claim 32, further comprising receiving and displaying contract-related information of the merchant A from the payment agency server. The method of claim 32, further comprising receiving a result of processing the contract with the payment agency from the payment agency server. 38. The method of claim 36, wherein the result of processing the contract with the payment agency is
The payment agency server determines whether to conclude a contract with the payment agency based on whether or not the business registration number of the merchant A provided from the user terminal matches the business registration number of the information on the merchant A stored in advance And the contracting method. The method as claimed in claim 32, further comprising the step of accessing the payment agency server and managing a contract with the payment agency. 39. The method of claim 38, wherein managing the contract with the payment agency further comprises:
And displaying the processing status of the contract with the payment agency from the payment agency server. 40. The method of claim 39, wherein managing the contract with the payment agency further comprises:
And displaying the detailed information on the contract with the payment agency from the payment agency server in response to the request signal of the user terminal transmitted to the payment agency server or correcting the contract with the payment agency, And downloading a contract with the payment agency from the server. A contracting method for contracting a payment agency with a payment agency server, the contract agent being executed by a user terminal for an arbitrary merchant A connected via the Internet,
Creating a merchant contract with the payment agency; And
And creating a terminal usage contract with the payment agency,
The step of creating the merchant contract with the payment agency
Providing a business agent registration number of the merchant A to the payment agent server;
Providing an image (hereinafter referred to as "document image") of the contract related document of the merchant A to the payment agency server; And
And a step of receiving and displaying, from the payment agency server, a creation completion message of the merchant agreement with the payment agency created using the merchant registration number of the merchant A and the document image of the merchant A, Way. 42. The method of claim 41, wherein providing the document image of the merchant A to the payment agent server
And providing the payment agent server with a document image of the merchant A created by shooting contract documents of the merchant A or stored in the internal memory. 42. The method of claim 41, wherein the step of creating a merchant agreement with the payment agency
And providing the signature information of the merchant A to the payment agency server. 42. The method of claim 41, wherein the step of creating a merchant agreement with the payment agency
Further comprising receiving and displaying contract-related information of the merchant A from the payment agent server. 42. The method of claim 41, wherein the step of creating a terminal usage contract with the payment agency further comprises:
Providing a business agent registration number of the merchant A to the payment agent server;
Providing signature information of the merchant A to the payment agent server; And
And a step of receiving and displaying, from the payment agency server, a completion message of the terminal usage contract with the payment agency generated using the business agent registration number of the franchisee A and the signature information of the franchisee A, Fastening method. The method according to claim 45, further comprising the step of receiving a result of processing at least one contract between the merchant agreement with the payment agency and the terminal use agreement with the payment agency from the payment agency server Way. 47. The method of claim 46, wherein the result of processing the at least one contract
The payment agency server determines whether to conclude a contract with respect to the at least one contract according to whether the business registration number of the affiliated shop A provided from the user terminal matches the business registration number of the information on the affiliated store A, The contracting method comprising the steps of: 42. The contract execution method according to claim 41, further comprising the step of: accessing the payment agency server, managing at least one of a merchant contract with the payment agent and a terminal use contract with the payment agency . 49. The method of claim 48, wherein managing the at least one contract comprises:
And receiving and displaying the processing status of the at least one contract from the payment agency server. 50. The method of claim 49, wherein managing the at least one contract comprises:
And displaying the at least one of the at least one of the at least one contracts and the at least one of the at least one contracts in response to a request signal of the user terminal transmitted to the payment agency server, And downloading the at least one contract.

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