KR20180037153A - Online transaction management system supporting cancellation of reservations or bookings, and the operating method thereof - Google Patents

Abstract

The present invention relates to a payment management system and a driving method thereof, and more specifically, to a payment management system for supporting reservation, cancellation, and payment and a driving method thereof, wherein the payment management system provides a reservation service and a payment of an item provided at a reserved date and time, and ensures the stability of reservation processes by guaranteeing a cancellation charge paid as a deposit by reflecting cancellation charge calculation information differently set for each affiliated store and item when canceling a reservation. The payment management system of the present invention comprises a payment management server connected to a plurality of affiliated store terminals and user terminals through a communications network and a credit card payment server connected to the payment management server through PG/VAN so as to provide an integrated payment management server for integrating reservation management for a plurality of affiliated stores. The payment management server supports payment including a reservation cancellation process for user terminals, affiliated store terminals, and user payment servers.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to an online payment management system and a driving method thereof,

The present invention relates to a payment management system and a method for driving the same, and is provided with a payment management server that supports payment including a reservation cancellation process for a user terminal, an affiliate terminal, and user payment servers, An online settlement management system that supports cancellation of settlement that guarantees the stability of the reservation process by guaranteeing a penalty paid by the minimum deposit amount reflecting the penalty calculation information set differently for each merchant as well as providing settlement of the provided items and Driving method.

As a background art relating to the present invention, there is a method of providing a place reservation service of Korean Patent Laid-Open No. 10-2017-0140122 A shown in FIG. 1 and a server technology for executing the method. In this technology, when accessing a place reservation service providing server through a place reservation service, information on a place by a franchisee is provided, and a place reservation request message for the specific place is selected as a place reservation service A user terminal for receiving a reservation confirmation code from the place reservation service providing server when reservation of the place is completed according to the place reservation request message, Upon receipt of the response message for the place reservation request message from the merchant terminal, the payment server processes the payment in cooperation with the card company server according to the type of the response message, generates a reservation confirmation code, A reservation service providing server Providing location reservation service information to the place reservation service providing server, providing a place reservation service providing server with a response message according to the place reservation request message received from the place reservation service providing server, And a merchant terminal which permits use of the place according to the reserved reservation confirmation code.

As another background art related to the present invention, there is a universal reservation method and system and recording medium technology through service linkage of Korean Patent Laid-Open No. 10-2016-0105090 A shown in FIG. According to the technique, a product related to reservation is selected among products exposed on a portal site, and the user interface (UI) is exposed to the selected product. In accordance with a reservation request using the reservation UI, And a step of providing a real-time reservation function through the communication of the general-purpose reservation method.

As another background art of the present invention, there is a mobile terminal and a control method thereof that can approve payment at a reserved time in Korean Patent Laid-Open No. 10-2016-0148876 A shown in FIG. This technology relates to a mobile terminal capable of approving settlement at a scheduled time and a control method thereof, wherein the mobile terminal comprises: a wireless communication unit for transmitting settlement information; A display unit capable of receiving a user input and outputting a screen related to the payment information; And a control unit for controlling the wireless communication unit to transmit the payment information when receiving a payment approval input of the user at the time of payment approval by setting a payment approval time for the payment information corresponding to a user's input through the display unit And a control unit.

In the case of the above-mentioned conventional reservation-related technologies, if the reservation user cancels the reservation without any notification, or if the reservation is canceled before or after the reservation date, the franchisees bear the cancellation of the reservation or the damage caused by the placebo Should be. In addition, there is a limitation in the implementation of the integrated system that increases the reservation burden of the user because the penalty per franchisee is not reflected, consolidates a plurality of franchisees and services, performs reservation as a user terminal, and provides reservation management for the franchise terminal Has come.

KR 10-2017-0140122 A KR 10-2016-0105090 A KR 10-2016-0148876 A KR 10-1752102 B1 KR 10-2004-0075156 A

SUMMARY OF THE INVENTION The present invention provides a payment management server that combines reservations management for a plurality of merchant terminals, and the payment management server is provided for a user terminal, a merchant terminal, and a credit card payment server A payment including a reservation cancellation process is provided so as to provide a reservation service through a user terminal and payment of an item provided on a reserved date and time as well as a penalty paid with a minimum deposit amount reflecting the penalty calculation information set differently for each merchant The present invention provides an online settlement management system and a method of driving the same that support reservation cancellation settlement that guarantees the stability of reservations.

The present invention provides a payment management system comprising: a payment management server connected to a plurality of merchant terminals and user terminals via a communication network; and a credit card payment server connected to the payment management server through a PG / VAN to integrate reservation management for a plurality of merchant terminals And the payment management server provides an online payment management system that supports reservation cancellation payment supporting a payment including a reservation cancellation processing for a user terminal, an affiliate terminal, and credit card payment servers, and a driving method thereof As a solution to the problem.

According to an embodiment of the present invention, there is provided an online payment management system and a method for driving the same that support reservations cancellation settlement, which provides a payment management server that integrates reservation management for a plurality of merchant terminals, and the payment management server includes a user terminal, The payment including the reservation cancellation processing is provided to the card payment servers to provide the reservation service through the user terminal and the settlement of the items provided on the reserved date and time, as well as the penalty calculation information set differently for each merchant Provides a technical effect of ensuring the stability of the reservation process by guaranteeing a penalty paid by the minimum deposit.

FIG. 1 is a background diagram of the present invention relating to a place reservation service providing method and a server
FIG. 2 is another background art relating to the present invention. As shown in FIG. 2, a general reservation method and a system
FIG. 3 is another background of the present invention, which is a mobile terminal capable of approving settlement at a scheduled time and a configuration
FIG. 4 is an example of a conventional online reservation service
FIG. 5 is an example of a reservation service of the conventional pre-purchase method
FIG. 6 is a diagram showing the configuration of reservation and service progress of the present invention
FIG. 7 is a diagram showing a configuration of reservation and reservation cancellation processing
8 is an example of merchant information provided from the payment management server to user terminals
9 is an example of reservation information transmitted from the user terminal of the present invention to the payment management server
10 is an example of reservation payment information transmitted from the user terminal of the present invention to the payment management server
FIG. 11 is a detailed configuration of the billing management server of the present invention
12 is a detailed configuration of a user terminal of the present invention
FIG. 13 is a flowchart of a method of driving an online payment management system according to the present invention;

The following merely illustrates the principles of the invention. Accordingly, those of ordinary skill in the art will appreciate that, although not explicitly described or shown herein, it is possible to implement various principles of the present invention and various devices and applications included in the concept and scope of the present invention . Furthermore, all of the conditional terms and embodiments listed herein are, in principle, intended only for the purpose of enabling understanding of the concepts of the present invention, and are not intended to be limiting in any way to the specifically listed embodiments and conditions . It is also to be understood that the detailed description, as well as the principles, aspects and embodiments of the invention, as well as specific embodiments thereof, are intended to cover structural and functional equivalents thereof.

The above objects, features and advantages will become more apparent from the following detailed description in conjunction with the accompanying drawings. In the description of the present invention, a detailed description of known related art will be omitted if it is determined that the gist of the present invention may be unnecessarily obscured. Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 4 illustrates an example of a conventional online reservation service. As shown in the figure, the online reservation service includes a user terminal 100 for making a reservation by a user, a merchant terminal 200 connected to the user terminal 100 via a communication network, , And a credit card payment server 500 for making payment from the merchant credit card of the user who has been provided with the reserved item. At this time, the merchant terminal 200 and the credit card payment server 500 are connected via a payment gateway (PG) and a value-added network (VAN)

The merchant terminal 200 can be configured as a PC (personal computer), a tablet PC, or a mobile terminal as means for transmitting payment information and displaying received information. In addition, the payment gateway (PG) and the value-added communication network (VAN) are existing payment communication paths. If necessary, payment can be made using PG or VAN alone or a separate communication network. 400). In addition, the payment of the user of the present invention can be performed by credit card, cash card, account transfer, or other means such as adding a payment amount to the communication fee. At this time, Can be replaced with different payment servers. However, in order to clarify the characteristic configuration of the present invention with respect to the existing settlement configuration, a credit card payment server 500 for credit card settlement of a user will be described as an example.

With respect to the existing configuration, the existing online reservation service can be proceeded as follows.

1. The user terminal 100 transmits reservation information to the merchant terminal 200 connected via the communication network,

2. Based on this, the merchant prepares to provide the reserved item. Items provided by the merchant include all kinds of performances, reservation of transportation tickets such as air, railroad, and ship, restaurants and related items such as restaurants, restaurants, and accommodation services such as hotels. In an existing online reservation service, a user of the user terminal 100 receives a reserved ticket or a catering service at a reserved time and makes a settlement is achieved by an existing online settlement system.

3. If the user of the user terminal 100 does not appear on the reservation date without notification (placebo), or if the reservation is canceled before or after the reservation date, the franchisees may cancel the reservation or suffer damage due to the placebo do. Since the user does not pay for the reservation information or pay the fee, when the reservation is canceled or the placebo occurs, the performance, the transportation agency, and the accommodation service have no time to secure the other consumer, It will not be possible to recover the expenses for the pre-purchase and cooking of the ingredients in preparation for the food. These monetary and mental damages increase as the size of reservations increases, and as a result, they act as a cause of avoiding reservations.

In order to solve this problem, some franchisees apply a pre-purchase method of paying the total amount of reservation items at the reservation step.

FIG. 5 shows an example of a reservation service of the conventional pre-purchase method. In order to alleviate the cancellation of the reservation or the damage caused by the placebo, as described in FIG.

1. The user terminal 100 makes a payment by paying all the costs at the time of reserving an item to the merchant terminal 200,

2. The merchant terminal 200 accesses the credit card payment server 500 for payment of the user's credit card through the PG / VAN 400 (payment gateway / value added network)

3. Provide the completed payment information to the user terminal 100,

4. Prepare ticket, catering service and accommodation service for the reserved user and provide it on the scheduled date.

In the reservation service of the method of pre-purchase as described above,

5. When the user of the user terminal 100 does not appear on the reserved date without any notice, or if the reservation is canceled before or after the reserved time,

The user of the user terminal 100 requests a refund, and in response, the franchise terminal 200 can settle the refund amount through the PG / VAN (payment gateway / value added network) But. The cancellation of the reservation and the refund amount are differently applied to each merchant according to the item, and the user of the user terminal 100 expects a refund of the entire amount paid at the time of reservation, resulting in a problem.

In addition, since the reservation service of the above-mentioned pre-purchase method pays all the costs at the time of reserving the merchant terminal 200, the reservation burden of the user is large, and depending on the type of the reserved items and the time of the reservation cancellation, Since the penalty calculation method is different, it causes the dispute between the user and the merchant. For example, reservations (reservations) of tickets for transportation such as performances, airways, railways and ships can be made at a rate of 1 hour before, 1 day after, 30 minutes after, 2 hours after, And the rate of calculation of the penalty may vary depending on whether the reservation date is a high season or a low season, whether the holiday is a weekday or not, and a few days before the reservation date. Also, in the restaurant business, the calculation of the penalty varies depending on the number of people who have made reservations and canceled the reservation several days before.

As a result, the reservation service of the conventional pre-purchase method has been caused by the fact that the information on the calculation of the penalty fee per merchant is not properly reflected at the reservation stage, thereby avoiding the reservation of the users. These problems are also limited in the implementation of an integrated system that integrates a plurality of franchisees and services, performs reservation with the user terminal 100, and provides reservation management for the franchise terminal 200. [

In addition to the reservation service of the above-mentioned pre-purchase method, in the reservation step, payment information such as a user's credit card is stored in the merchant terminal 200, and a ticketing service or a restaurant service or a lodging service is provided The method of payment after receipt can also be considered. However, the method of storing the payment information of the user before the reservation date and time in a means other than the credit card payment server 500 may cause data security problems as well as exposure to hacking or cracking.

The present invention solves the problems of the conventional reservation method and the cancellation and placebo processing as described above. It is an object of the present invention to provide a system and method for canceling cancellation of a user terminal 100, a merchant terminal 200 and a credit card payment server 500 The settlement management server 300 integrates and supports settlement so as to not only provide a stable reservation service through the user terminal 100 and payment after the reservation item is provided but also allow the user to set the penalty calculation information differently for each merchant And a reservation cancellation settlement system for guaranteeing the stability of reservations by guaranteeing a cancellation fee to be paid as a deposit fee reflecting the reservation cancellation and a driving method thereof.

The online settlement management system supporting reservation cancellation payment according to the present invention includes a settlement management server 300 connected to a plurality of merchant terminals 200 and user terminals 100 via a communication network, In the online payment management system having the credit card payment server 500 connected to the PG / VAN 400, the payment management server 300 transmits information of the franchisees including the individual penalty calculation information to the user terminal 100, Lt; / RTI > The settlement management server 300 makes a settlement payment for the items of the merchant selected from the user terminal 100 and the reserved merchant on the basis of the cancellation fee; The merchant terminal 200 requests the credit card payment server 500 to settle the balance with the user's credit card through the payment management server 300 after providing the item reserved for the user, When the reservation canceling information is transmitted from the merchant terminal 200 or the user terminal 100 to the payment management server 300, the payment management server 300 notifies the deposit amount set at the time of reservation to the difference excluding the individual penalty of the merchant And settle the payment through the credit card payment server 500.

FIG. 6 shows a configuration of reservation and service progress of the present invention. The online settlement management system supporting reservation cancellation payment according to the present invention includes a settlement management server 300 connected to a plurality of merchant terminals 200 and user terminals 100 via a communication network, And a credit card payment server 500 connected to the PG / VAN 400. With respect to the above configuration,

1. The payment management server 300 receives the merchant information including the individual penalty calculation information of the franchisees from each of the plurality of merchant terminals 200 in advance and provides them in response to a query of the user terminals 100 and;

2. The user terminal 100 receives reservation information including a reservation date and time, an item to be reserved and a quantity (manpower) for the selected merchant with reference to the merchant information, and transmits the reservation information to the payment management server 300. [

3. The payment management server 300 receiving the reservation information from the user terminal 100 calculates the deposit amount using the individual penalty calculation information and the reservation information of the selected franchisee and transmits it to the user terminal 100. [

4. The user of the user terminal 100 requests the reservation payment with the payment means information such as the credit card of the user for the reservation fee provided from the payment management server 300. [ At this time, the user can request a reservation settlement between the total amount of items reserved from the deposit.

5. The payment management server 300 that has requested the reservation payment from the user terminal 100 requests reservation payment to the credit card payment server 500 for payment of the user's credit card through the PG / VAN 400 Approved,

6. The payment management server 300 transmits reservation information to the merchant terminal 200,

7. Also, the payment management server 300 transmits reservation information to the user terminal 100 to notify that the reservation is completed.

8. The merchant who receives the reservation information via the merchant terminal 200 then provides the corresponding item to the reservation date and time. At this time, the payment management server 300 may transmit a reservation message to the user terminal 100 and the merchant terminal 200 every predetermined time until the reservation date and time so that the user and the franchisee can more easily manage the reservation.

9. The franchisee provides a reserved item on the reservation date and time, requests a payment of the balance through the payment management server 300 through the merchant terminal 200 according to the payment request of the user,

10. The payment management server 300 that has requested payment of the balance from the merchant terminal 200 requests payment of the balance through the credit card payment server 500 of the credit card company of the user through the PG / VAN 400, under,

11. The payment management server 300 transmits the payment information to the merchant terminal 200,

12. Also, the payment management server 300 transmits the payment completion information to the user terminal 100. [

FIG. 7 shows the configuration of reservation cancellation processing for the reservation and service progress configuration of the present invention described in FIG. 6. The present invention provides an online payment management system for supporting reservation cancellation payment,

1. The payment management server 300 receives the merchant information including the individual penalty calculation information of the franchisees from each of the plurality of merchant terminals 200 in advance and provides them in response to a query of the user terminals 100 and;

2. The user terminal 100 receives reservation information including a reservation date and time, an item to be reserved and a quantity (manpower) for the selected merchant with reference to the merchant information, and transmits the reservation information to the payment management server 300. [

3. The payment management server 300 receiving the reservation information from the user terminal 100 calculates the deposit amount using the individual penalty calculation information and the reservation information of the selected franchisee and transmits it to the user terminal 100. [

4. The user of the user terminal 100 requests the reservation payment with the payment means information such as the credit card of the user for the reservation fee provided from the payment management server 300. [ At this time, the user can request the reservation payment between the total amount of the items reserved from the minimum deposit.

5. The payment management server 300 that has requested the reservation payment from the user terminal 100 requests reservation payment to the credit card payment server 500 for payment of the user's credit card through the PG / VAN 400 Approved,

6. The payment management server 300 transmits reservation information to the merchant terminal 200,

7. Also, the payment management server 300 transmits reservation information to the user terminal 100 to notify that the reservation is completed.

8. The merchant who received the reservation information via the merchant terminal 200 prepares the reserved item and provides it to the reservation date and time. At this time, the payment management server 300 may transmit a reservation message to the user terminal 100 and the merchant terminal 200 every predetermined time until the reservation date and time so that the user and the franchisee can more easily manage the reservation.

9. If the user of the user terminal 100 does not appear after a certain period of time without notification, the franchisee can notify the payment management server 300 of the reservation through the franchisee terminal 200, The user can cancel the reservation to the payment management server 300 through the user terminal 100 before or after the date and time when the reservation is made.

10. The payment management server 300 having received the reservation cancellation information calculates the penalty using the individual penalty calculation information of the merchant and sends a payment cancellation request for refunding the difference amount from the reservation money paid by the user to the credit card company's credit card Is requested and approved by the payment server 500,

11. The payment management server 300 transmits reservation cancellation information to the merchant terminal 200,

12. Also, the payment management server 300 transmits the reservation cancellation information to the user terminal 100. [

FIG. 8 is a diagram showing an example of an online payment management system supporting reservation cancellation payment according to the present invention. In the online payment management system of the present invention, the merchant terminal 100, which is input from the plurality of merchant terminals 200 to the payment management server 300, An example of information. The merchant information of the present invention is selected by the user terminals 100 and utilized as information for performing a reservation settlement. As shown in the figure, the merchant information of the present invention includes an affiliate store ID assigned to each merchant to distinguish the merchant from the user terminal 100 and the payment management server 300; Contact information, such as the phone number of the merchant; The URL of the merchant that allows the merchant to search for and select items offered by the merchant; A reservation available amount set by the date and time zone of the merchant and updated by the payment management server 300 according to the reservation; Minimum deposit amount set for each merchant and individual penalty calculation information at the time of reservation cancellation; Reservable and payable payment channel information such as a credit card or financial account; And a spare area (field). The merchant information is transmitted to the payment management server 300 in the form of a code, and the items selected from the user terminal 100 are transmitted as a code.

FIG. 9 is a diagram illustrating an example of an online payment management system supporting reservation cancellation payment according to the present invention. Referring to FIG. 9, reservation information transmitted from a user terminal 100 to a payment management server 300, FIG. The reservation information of the present invention includes: a merchant ID assigned for identifying a merchant selected by a user; A CID (caller ID) including a telephone number of the user terminal 100; A reservation item as item information to be selected and reserved from the URL of the reservation target merchant; And a reservation date / time and a reservation quantity selected from the reservation availability of the merchant information.

Therefore, on the user terminal 100 side, the reservation item is selected by referring to the URL of the merchant information, the reservation date and time and the reserved quantity of the item are determined with reference to the reservation availability of the merchant information, To the management server (300). The payment management server 300 having received the reservation information calculates the penalty calculated by referring to the individual penalty calculation information when the reservation of the merchant is canceled with respect to the reservation item, the reservation date and the reservation amount of the item, as the deposit information, (100).

FIG. 10 shows an example of reservation payment information transmitted from the user terminal 100 to the payment management server 300 in the online payment management system supporting reservation cancellation settlement of the present invention. The reservation payment information of the present invention is information transmitted from the user terminal 100 to the payment management server 300 that has received the deposit information described above and is transmitted from the payment management server 300 The reservation payment information including the reservation payment amount and the payment channel information is configured by using the payment channel information and the deposit payment information of the merchant information and transmitted to the payment management server 300. [ Although the reservation information, the deposit information, and the reservation information provided between the payment management server 300 and the user terminal 100 are shown as a whole area, the payment management server 300 and the user terminal 100 may be provided, It is also possible to transmit only the information required for the interim deposit calculation, the deposit, and the reservation payment.

Therefore, the payment management server 300 requests the credit card payment server 500 to make a payment using the merchant information input in advance to the payment management server 300 and the reservation payment information transmitted from the user terminal 100 And approved; Reservation deadline, and reservation amount, and the result approved by the credit card payment server 500 to the user terminal 100 by using the CID, the reservation notification, the balance settlement completion, and the cancellation notification can be performed. On the payment management server 300 side, the CID, the reservation date and time, and the approval result from the credit card payment server 500 are registered for the merchant terminal 200 using the contact information of the merchant store ID and merchant store information Notification of completion of payment of balance, and cancellation of reservation can be performed. In addition, the credit card payment server 500 of the present invention performs a payment for a payment request transmitted from the payment management server 300 via the PG / VAN 400, And the merchant terminal 200 also has an advantage that an additional configuration for the online settlement terminal is not necessary.

FIG. 11 is a detailed configuration of the payment management server 300 in the online payment management system supporting reservation cancellation payment according to the present invention. The payment management server 300 of the present invention includes a server control unit 316 for performing overall management and control of the payment management server 300; The user terminal 100 provides the merchant information input from the plurality of merchant terminals 200 to the payment management server 300 in advance according to the control of the payment management server 300, A user terminal communication unit 310 for receiving reservation payment information and reservation cancellation information, and for transmitting a reservation notification, a balance payment completion, and a cancellation notification; A merchant terminal communication unit (312) that receives merchant information from a plurality of merchant terminals (200) in advance, and transmits reservation notifications, balance settlement, and cancellation notifications to the merchant terminal (200); A PG / VAN communication unit 324 for accessing the credit card payment server 500 of the user's credit card company under the control of the payment management server 300 via the PG / VAN 400 to request payment and approval; A reservation information storage unit 318 for receiving and storing reservation payment information and reservation cancellation information received from the user terminal 100 through the user terminal communication unit 310; A credit balance requested by the merchant terminal 200 of the merchant who provided the reserved item at the reservation date and time, and a credit balance for calculating the penalty using the individual penalty calculation information of the merchant at the time of canceling the payment, A payment amount calculation unit 326 for calculating a payment amount; A clock calendar 314 for providing reservation date and time and current time information; A reservation date / time calculation unit 328 for calculating the remaining or elapsed time up to the reservation date / time based on the current time provided from the clock calendar 314, the remaining time or elapsed time from the reservation date / time to the reservation cancellation time; A message storage unit 320 for storing a template of a message to be transmitted to the user terminal 100 and the merchant terminal 200 according to the remaining time or elapsed time calculated from the reserved date and time operation unit 328; A merchant DB 315 for storing merchant information input from the plurality of merchant terminals 200 to the payment management server 300 in advance and information of the merchant terminals 200; A user DB 322 for storing reservation payment information transmitted from the user terminal 100; And a payment history DB 330 for storing payment details between the user terminal 100 and the merchant terminal 200. The template of the message stored in the message storage unit 320 is "** month ** day tt mm minute ee restaurant n was reserved", "** month ** day tt mm minute" ee restaurant n reservation Elapsed time computed for the current time from the reservation date / time computation unit 328 by "n number of reservations of the current ee restaurant, or" The server control unit 316 of the payment management server 300 stores a template of a message to be transmitted to the corresponding user terminal 100 and the merchant terminal 200 according to the request.

12 shows a detailed configuration of the user terminal 100 in the online settlement management system supporting reservation cancellation settlement of the present invention. The user terminal 100 of the present invention includes a terminal control unit 110 that controls the entire user terminal 100; A server communication unit (112) connected to the payment management server (300) to receive merchant information, transmit reservation payment information or reservation cancellation information to the payment management server (300), and receive reservation notification, balance payment completion and reservation cancellation notification; A mobile communication unit 116 for mobile communication of the user terminal 100; A CID extracting unit 114 for extracting a CID (caller ID) to be included in the reservation payment information and transmitted to the payment management server 300; A terminal clock 118 for providing current time information of the user terminal 100; Reception buffer (not shown) configured to form reservation payment information or reservation cancellation information for transmission to the payment management server 300 and to receive and store reservation notifications, balance settlement, reservation cancellation notifications, and messages transmitted from the payment management server 300 120); A reservation information memory 122 for storing the merchant ID, the reservation item, the reservation date and time, the reservation amount of the item, the reservation payment information, the reservation cancellation information, and the reservation payment information formed from the user terminal 100; And a cancellation information generating unit 124 for generating reservation cancellation information transmitted to the payment management server 300 with respect to the reservation payment information stored in the reservation information memory 122. [

FIG. 13 is a flowchart illustrating a cancellation of reservation cancellation payment including a payment management server 300 supporting payment including a reservation cancellation process for the user terminal 100, the merchant terminal 200, and the credit card payment server 500 FIG. 2 is a flowchart illustrating a method of operating an online settlement management system according to an embodiment of the present invention. Hereinafter, a method of operating an online settlement management system that supports cancellation cancellation based on the configuration of the present invention will be described step by step.

A method of operating an online payment management system for supporting cancellation of a reservation;

- initiating the operation of the S100 payment management server (300);

- S105: a plurality of merchant terminals (200) are connected to the payment management server (300), and each merchant information is provided to establish a merchant database (315);

S110 The server control unit 316 of the payment management server 300 determines whether or not the user terminal 100 is connected through the user terminal communication unit 310. If there is no connection, ), The process proceeds to the next step S115;

S115 The respective merchant point information is read out from the merchant DB 315 by a quiry of the user terminal 100 connected to the user terminal communication unit 310 of the payment management server 300 and transmitted to the user terminal 100 side ;

- S120: a merchant ID from the user terminal 100 by the server control unit 316 of the payment management server 300; CID (caller ID); Reservation items; Determining whether reservation information including a reservation date and time and a reservation number has been transmitted; and if the reservation information has not been transmitted, repeating the process from step S110;

S125 If it is determined in step S120 that the reservation information has been transmitted from the user terminal 100, the server control unit 316 of the payment management server 300 transmits a penalty amount calculated by referring to the individual penalty amount calculation information upon canceling the reservation of the merchant To the user terminal (100);

- S130: determining whether reservation payment information has been transmitted from the user terminal 100 to the deposit payment information transmitted in step S125;

If it is determined in step S130 that the reservation payment information has not been transmitted from the user terminal 100, it is determined whether reservation cancellation information has been transmitted from the user terminal 100 or the merchant terminal 200. If reservation cancellation information has not been transmitted from the user terminal 100 or the merchant terminal 200, If it is determined that the data is not transmitted, repeating the operation from step S110;

If it is determined in step S135 that the reservation cancellation information has been transmitted, the server control unit 316 of the payment management server 300 calculates the penalty using the individual penalty payment calculation information of the corresponding franchisee, Requesting a credit card payment server (500) of a credit card company of a user to request a payment cancellation for refunding the difference from the deposit,

If it is determined in step S130 that the reservation payment information has been transmitted from the user terminal 100, the server control unit 316 of the payment management server 300 transmits the credit card of the user's credit card company through the PG / VAN 400 Requesting payment to the payment server (500), approving the payment and performing payment;

- S150 The server control unit 316 of the payment management server 300 transmits the reservation cancellation payment information of the step S130 or the reservation information of the step S135 to the user terminal 100 and the merchant terminal 200;

Updating the franchise point information including the reservable amount of the franchise point DB 315 according to the payment result of the step S140 by the server control unit 316 of the step S155 payment management server 300;

- determining whether a payment management end request is input to the server control unit (316) of the S160 payment management server (300), and repeating the process from step S110 if a payment management end request is not input;

S165 If it is determined in step S150 that the payment management end request has been input, the server control unit 316 of the payment management server 300 ends the operation of the management server 300;

.

In the present invention described above, the payment by the user can be performed by other means such as a credit card, a cash card, a bank transfer, or a payment amount added to the communication fee. At this time, May be replaced with different payment servers depending on the payment means. According to an embodiment of the present invention, there is provided an online payment management system for supporting cancellation of cancellation and a method of driving the same, which provides a settlement management server 300 that integrates reservations management for a plurality of merchant terminals 200, ) Supports payment including reservation cancellation processing for the user terminal 100, the merchant terminal 200, and the credit card payment server 500, thereby providing a reservation service through the user terminal 100 and a reservation service through the user terminal 100 Not only the payment of the item is provided but also the security of the reservation process is guaranteed by guaranteeing the penalty paid as the minimum deposit by reflecting the penalty calculation information set differently for each merchant.

Although the present invention has been described with respect to a limited number of embodiments and drawings, it should be understood that the present invention is not limited thereto and that the present invention is not limited to the above- 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 present invention as defined by the appended claims.

100: User terminal 110:
112: server communication unit 114: CID extracting unit
116: mobile communication unit 118: terminal clock
120: transmission / reception buffer 122: reservation information memory
124: Cancellation information generation unit 200: Merchant terminal
300: payment management server 310: user terminal communication unit
312: Merchant terminal communication unit 314: Clock calendar
315: Merchant DB 316:
318: reservation information storage unit 320: message storage unit
322: User DB 324: PG / VAN communication unit
326: balance and difference amount conversion unit 328:
330: Payment History DB
400: PG / VAN (payment gateway / value added network)
500: User payment server

Claims (7)

A payment management server 300 connected to a plurality of merchant terminals 200 and user terminals 100 via a communication network and a credit card payment server 500 connected to the payment management server 300 through a PG / The system of claim 1,
The payment management server 300 receives the merchant information including the individual penalty calculation information of each of the franchisees from the plurality of merchant terminals 200 in advance and provides them in response to a query of the user terminals 100;
The user terminal 100 receives reservation information including a reservation date and time, an item to be booked and a quantity (manpower) for the selected merchant with reference to the merchant information, and transmits the reservation information to the payment management server 300,
The payment management server 300 that receives the reservation information from the user terminal 100 calculates the deposit amount using the individual penalty amount calculation information and the reservation information of the selected merchant and transmits the calculated deposit amount to the user terminal 100,
The user of the user terminal 100 requests the reservation settlement with the settlement information provided by the payment management server 300 as the settlement information including the payment means information of the user,
The payment management server 300 that has requested payment from the user terminal 100 requests payment from the credit card payment server 500 for payment of the user's credit card through the PG / VAN 400,
The payment management server 300 transmits the reservation information to the merchant terminal 200 and also transmits the reservation information to the user terminal 100 to notify that the reservation is completed,
The merchant having received the reservation information through the merchant terminal 200 prepares the item, provides the item reserved at the reservation date and time, and then, according to the payment request of the user, transmits the payment management server 300 through the merchant terminal 200 Requesting a payment of a balance,
The payment management server 300 having received the balance payment request requests payment of a balance through the credit card company or financial institution of the user through the PG / VAN 400 and receives payment information from the merchant terminal 200, (100). The online payment management system
A payment management server 300 connected to a plurality of merchant terminals 200 and user terminals 100 via a communication network and a credit card payment server 500 connected to the payment management server 300 through a PG / The system of claim 1,
The payment management server 300 receives the merchant information including the individual penalty calculation information of each of the franchisees from the plurality of merchant terminals 200 in advance and provides the information in response to a query of the user terminals 100,
The user terminal 100 receives reservation information including a reservation date and time, an item to be booked and a quantity (manpower) for the selected merchant with reference to the merchant information, and transmits the reservation information to the payment management server 300,
The payment management server 300 that receives the reservation information from the user terminal 100 calculates the deposit amount using the individual penalty amount calculation information and the reservation information of the selected merchant and transmits the calculated deposit amount to the user terminal 100,
The user of the user terminal 100 requests the reservation settlement with the settlement information provided by the payment management server 300 as the settlement information including the payment means information of the user,
The payment management server 300 that has requested reservation payment from the user terminal 100 requests payment from the credit card payment server 500 for payment of the user's credit card through the PG / VAN 400,
The payment management server 300 transmits the reservation information to the merchant terminal 200 and the user terminal 100 to notify that the reservation is completed,
The merchant who receives the reservation information through the merchant terminal 200 prepares a reserved item,
If the user of the user terminal 100 does not appear after a certain period of time without notification, the franchisee notifies the payment management server 300 of the cancellation of the reservation through the franchisee terminal 200, Thereafter, when the user cancels the reservation to the payment management server 300 through the user terminal 100,
The payment management server 300 having received the reservation cancellation information calculates a penalty using the individual penalty amount calculation information of the merchant and transmits a payment cancellation request for refunding the difference amount from the reservation money paid by the user to the credit card payment server (200) and the user terminal (100). The system according to claim 1, characterized in that the reservation cancellation information is transmitted to the merchant terminal (200)
The method according to claim 1 or 2, wherein the merchant information provided in response to a query of the user terminal (100)
A merchant ID assigned to each merchant to distinguish the merchant from the user terminal 100 and the payment management server 300;
Contact information, such as the phone number of the merchant;
The URL of the merchant that allows the merchant to search for and select items offered by the merchant;
A reservation available amount set by the date and time zone of the merchant and updated by the payment management server 300 according to the reservation;
Minimum deposit amount set for each merchant and individual penalty calculation information at the time of reservation cancellation;
Reservable and payable payment channel information such as a credit card or financial account;
Spare area;
And a field of < RTI ID = 0.0 >

The user terminal 100, which has received the merchant information,
The reservation item is selected by referring to the URL of the merchant information,
Determines the reservation date and time and the reservation quantity of the item with reference to the reservation availability of the merchant information, transmits it as reservation information to the payment management server 300 together with the merchant ID and the CID,
The payment management server 300 having received the reservation information calculates a penalty calculated by referring to the individual penalty calculation information when the reservation of the merchant is canceled with respect to the reservation item, the reservation date, and the reservation quantity of the item as the deposit information, (100). The online payment management system
3. The system according to claim 1 or 2, wherein the payment information transmitted from the user terminal (100) to the payment management server (300)
A merchant ID assigned to identify a merchant selected by the user;
A CID (caller ID) including a telephone number of the user terminal 100;
The reservation date and reservation amount selected from the reservation availability of the merchant information;
Reservation payment information input from the user terminal 100 with reference to the deposit and payment channel information;
And a reserve area. The online settlement management system supports reservation cancellation settlement
A payment management server 300 connected to a plurality of merchant terminals 200 and user terminals 100 via a communication network and a credit card payment server 500 connected to the payment management server 300 through a PG / The system of claim 1,
The payment management server (300)
A server control unit 316 for performing overall management and control of the payment management server 300;
The user terminal 100 provides the merchant information input from the plurality of merchant terminals 200 to the payment management server 300 in advance according to the control of the payment management server 300, A user terminal communication unit 310 for receiving reservation payment information and reservation cancellation information, and for transmitting a reservation notification, a balance payment completion, and a cancellation notification;
A merchant terminal communication unit (312) that receives merchant information from a plurality of merchant terminals (200) in advance, and transmits reservation notifications, balance settlement, and cancellation notifications to the merchant terminal (200);
A PG / VAN communication unit 324 for accessing the credit card payment server 500 of the user's credit card company under the control of the payment management server 300 via the PG / VAN 400 to request payment and approval;
A reservation information storage unit 318 for receiving and storing reservation payment information and reservation cancellation information received from the user terminal 100 through the user terminal communication unit 310;
A credit balance requested by the merchant terminal 200 of the merchant who provided the reserved item at the reservation date and time, and a credit balance for calculating the penalty using the individual penalty calculation information of the merchant at the time of canceling the payment, A payment amount calculation unit 326 for calculating a payment amount;
A clock calendar 314 for providing reservation date and time and current time information;
A reservation date / time calculation unit 328 for calculating the remaining or elapsed time up to the reservation date / time based on the current time provided from the clock calendar 314, the remaining time or elapsed time from the reservation date / time to the reservation cancellation time;
A message storage unit 320 for storing a template of a message to be transmitted to the user terminal 100 and the merchant terminal 200 according to the remaining time or elapsed time calculated from the reserved date and time operation unit 328;
A merchant DB 315 for storing merchant information input from the plurality of merchant terminals 200 to the payment management server 300 in advance and information of the merchant terminals 200;
A user DB 322 for storing reservation payment information transmitted from the user terminal 100;
A payment history DB 330 for storing payment details between the user terminal 100 and the merchant terminal 200;
And an online settlement management system
A payment management server 300 connected to a plurality of merchant terminals 200 and user terminals 100 via a communication network and a credit card payment server 500 connected to the payment management server 300 through a PG / The system of claim 1,
The user terminal (100)
A terminal control unit 110 for controlling the entire user terminal 100;
A server communication unit (112) connected to the payment management server (300) to receive merchant information, transmit reservation payment information or reservation cancellation information to the payment management server (300), and receive reservation notification, balance payment completion and reservation cancellation notification;
A mobile communication unit 116 for mobile communication of the user terminal 100;
A CID extracting unit 114 for extracting a CID (caller ID) to be included in the reservation payment information and transmitted to the payment management server 300;
A terminal clock 118 for providing current time information of the user terminal 100;
Reception buffer (not shown) configured to form reservation payment information or reservation cancellation information for transmission to the payment management server 300 and to receive and store reservation notifications, balance settlement, reservation cancellation notifications, and messages transmitted from the payment management server 300 120);
A reservation information memory 122 for storing the merchant ID, the reservation item, the reservation date and time, the reservation amount of the item, the reservation payment information, the reservation cancellation information, and the reservation payment information formed from the user terminal 100;
A cancellation information generating unit 124 for generating reservation cancellation information to be transmitted to the payment management server 300 for the reservation information stored in the reservation information memory 122;
And an online settlement management system
A payment management server 300 connected to a plurality of merchant terminals 200 and user terminals 100 via a communication network and a credit card payment server 500 connected to the payment management server 300 through a PG / ), The method comprising the steps of:
- initiating the operation of the S100 payment management server (300);
- S105: a plurality of merchant terminals (200) are connected to the payment management server (300) and each merchant information is provided to establish a merchant database (315);
S110 The server control unit 316 of the payment management server 300 determines whether or not the user terminal 100 is connected through the user terminal communication unit 310. If there is no connection, ), The process proceeds to the next step S115;
S115 The respective merchant point information is read out from the merchant DB 315 by a quiry of the user terminal 100 connected to the user terminal communication unit 310 of the payment management server 300 and transmitted to the user terminal 100 side ;
- S120: a merchant ID from the user terminal 100 by the server control unit 316 of the payment management server 300; CID (caller ID); Reservation items; Determining whether basic information including a reservation date and time and a reservation number has been transmitted, and repeating the steps from step S110 if basic information is not transmitted;
If it is determined in step S120 that the basic information has been transmitted from the user terminal 100, the server control unit 316 of the payment management server 300 determines whether or not the penalty calculated based on the individual penalty calculation information when canceling the reservation of the merchant To the user terminal (100);
- S130: determining whether reservation payment information has been transmitted from the user terminal 100 to the deposit payment information transmitted in step S125;
If it is determined in step S130 that the reservation payment information has not been transmitted from the user terminal 100, it is determined whether reservation cancellation information has been transmitted from the user terminal 100 or the merchant terminal 200. If reservation cancellation information has not been transmitted from the user terminal 100 or the merchant terminal 200, If it is determined that the data is not transmitted, repeating the operation from step S110;
If it is determined in step S135 that the reservation cancellation information has been transmitted, the server control unit 316 of the payment management server 300 calculates the penalty using the individual penalty payment calculation information of the corresponding franchisee, Requesting a credit card payment server (500) of a credit card company of a user to request a payment cancellation for refunding the difference from the deposit,
If it is determined in step S130 that the reservation payment information has been transmitted from the user terminal 100, the server control unit 316 of the payment management server 300 transmits the credit card of the user's credit card company through the PG / VAN 400 Requesting payment to the payment server (500), approving the payment and performing payment;
- S150 The server control unit 316 of the payment management server 300 transmits the reservation cancellation payment information of the step S130 or the reservation information of the step S135 to the user terminal 100 and the merchant terminal 200;
Updating the franchise point information including the reservable amount of the franchise point DB 315 according to the payment result of the step S140 by the server control unit 316 of the step S155 payment management server 300;
- determining whether a payment management end request is input to the server control unit (316) of the S160 payment management server (300), and repeating the process from step S110 if a payment management end request is not input;
S165 If it is determined in step S150 that the payment management end request has been input, the server control unit 316 of the payment management server 300 ends the operation of the management server 300;
A method of operating an online settlement management system supporting a cancellation of reservation cancellation

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