KR20180088198A - Method, apparatus and computer-readable medium for providing payment service, and computer program for executing method for obtaining payment page - Google Patents

Abstract

According to an embodiment of the present invention, disclosed is an apparatus for providing a payment service which includes: a communication unit for receiving a payment page generation request including payment target amount information from a receiver terminal and receiving payment information inputted through a payment page; a payment page providing unit for generating the payment page for paying a payment target amount and providing a web address of the payment page in the form of a text or an image code corresponding to the web address; and a financial management unit for transmitting the payment information to a payment means server and receiving approval for the payment information from the payment means server. Accordingly, the receiver can easily request the generation of the payment page for enabling a payer to pay by using various payment means.

Description

[0001] The present invention relates to a payment service providing apparatus, a method, a recording medium, and a computer program for executing a payment page obtaining method,

Embodiments of the present invention relate to a payment service providing apparatus, a method, a recording medium, and a computer program for executing a payment page obtaining method.

It is a global trend that electronic payment methods such as cards replace cash. Europe, including Denmark, is already moving beyond the coin-free society into a cashless society. Experts think that Korea in the long run will be closer to a society without cash. "If people are accustomed to the world without cash, they can choose to stop using cash on a national consensus like some countries," said Professor Jung Yoo Shin, a professor of business administration at Sogang University. As such, the proportion of the use of the payment means for replacing cash increases, and the types of payment means are also diversified.

Embodiments of the present invention provide a settlement service providing apparatus and method, a recording medium, and a settlement page, which are executed on a receiver terminal, for facilitating a receiver to easily request a receiver to generate a settlement page, And a computer program for executing the acquisition method.

According to an embodiment of the present invention, there is provided a billing system, comprising: a communication unit for receiving a payment page creation request including payment target amount information from a receiver terminal and receiving payment information inputted through a payment page; A payment page providing unit configured to generate a payment page capable of paying the settlement amount and to provide the web address of the payment page in the form of a text or an image code corresponding to the web address; And a financial management unit for transmitting the payment information to the payment means server and receiving an approval for the payment information from the payment means server.

The payment page providing unit may provide the web address of the payment page to the receiver terminal that has transmitted the payment amount information, and the payment page may allow the payment person to input payment information in the payment page without moving the page And displays an area for displaying the settlement amount information and an area for receiving the settlement information on a single page.

The settlement page creation request further includes link output type information, and the settlement page providing unit outputs the link output type of the settlement page as a text form of the settlement page, based on the link output type information And a link output unit for determining a first type or an image code corresponding to a web address of the settlement page as a second type and outputting a web address of the settlement page according to the determined link output type, A service providing apparatus is disclosed.

The link output type may include a first type for outputting the web address of the payment page to the receiver terminal, a second type for outputting an image code corresponding to the web address of the payment page to the receiver terminal, A third type for outputting a web address of the settlement page to the settlement terminal, and a fourth type for outputting an image code corresponding to the web address of the settlement page to the settlement terminal. .

The payment page creation request further includes sales type information, and the payment page providing unit determines a type of the payment page as one of a plurality of types based on the sales type information.

Wherein the sales type information indicates whether a transaction corresponding to the settlement amount requires shipping of the commodity or not, and the type of the settlement page includes a first type or a destination address including an area for receiving a destination address, Which is a second type that does not include an area for receiving a payment service providing area.

According to another embodiment of the present invention, there is provided a billing method comprising: receiving a billing page creation request including billing target amount information from a receiver terminal; Generating a payment page capable of paying the settlement amount, and providing the web address of the settlement page in the form of a text or an image code corresponding to the web address; Receiving payment information entered through the payment page; Transmitting the payment information to a payment means server; And receiving approval for the payment information from the payment server.

Another embodiment of the present invention discloses a computer-readable recording medium storing a computer program for causing a computer to execute the above-described method for providing a payment service.

According to another embodiment of the present invention, there is provided a billing method, comprising: transmitting a billing page creation request including a billing amount information to a receiver terminal; Receiving a web address of a settlement page in which the settlement amount can be paid in the form of a text or an image code corresponding to the web address; And displaying the web address of the payment page on a display unit of the receiver terminal in a pop-up manner.

The displaying step displays a computer program displaying an icon for executing an application capable of sharing a web address of the payment page and a web address of the payment page.

Other aspects, features, and advantages will become apparent from the following drawings, claims, and detailed description of the invention.

These general and specific aspects may be implemented by using a system, method, computer program, or any combination of systems, methods, and computer programs.

According to the payment program providing apparatus, the method, the recording medium, and the computer program for executing the payment page obtaining method according to the embodiments of the present invention, the receiver can generate a payment page that the payer can pay using various payment means You can easily request.

According to the payment program providing apparatus, method, recording medium, and computer program for executing the payment page obtaining method according to the embodiments of the present invention, the receiver does not need to register a merchant point for various types of payment means, It is possible to acquire a payment page capable of paying the amount to be paid without depending on the time, place, and kind of the payment means simply by subscribing to the payment service related to the examples.

1 is a block diagram of a payment system according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating an example of the configuration of a payment service providing apparatus 110 provided in the server 100 shown in FIG.
FIG. 3A is a detailed configuration diagram of the financial management unit 113 shown in FIG. 2 according to an embodiment of the present invention.
FIG. 3B is a detailed configuration diagram of the host account management unit 1132 shown in FIG.
FIG. 3C is a detailed configuration diagram of the billing page providing unit 112 shown in FIG. 2 according to an embodiment of the present invention. Referring to FIG. 3C,
4 is a flowchart illustrating a method of providing a payment service according to an exemplary embodiment of the present invention.
5 is a block diagram schematically illustrating a billing page obtaining apparatus 210 according to an embodiment of the present invention.
6 is a flowchart of a method of acquiring a payment page according to an embodiment of the present invention.
7 is an example of a screen 50 on which a page provided by the service providing server 100 to the receiver terminal 200 according to an embodiment is displayed so that the receiver can transmit a payment page creation request.
FIG. 8 is an example of a screen 50 'in which a pop-up is displayed after selecting the link 53 in FIG.
9 is an example of a screen 70 on which a settlement page according to an example is displayed.
FIG. 10 is an example of a screen 50 'in which a billing page creation request page according to another example is displayed.
11 is an example of a screen 80 'in which a settlement page according to another example is displayed.

BRIEF DESCRIPTION OF THE DRAWINGS The present invention is capable of various modifications and various embodiments, and specific embodiments are illustrated in the drawings and described in detail in the detailed description. The effects and features of the present invention and methods of achieving them will be apparent with reference to the embodiments described in detail below with reference to the drawings. However, the present invention is not limited to the embodiments described below, but may be implemented in various forms.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, wherein like reference numerals refer to like or corresponding components throughout the drawings, and a duplicate description thereof will be omitted .

In the following embodiments, the terms first, second, and the like are used for the purpose of distinguishing one element from another element, not the limitative meaning. In the following examples, the singular forms "a", "an" and "the" include plural referents unless the context clearly dictates otherwise. In the following embodiments, terms such as inclusive or possessive are intended to mean that a feature, or element, described in the specification is present, and does not preclude the possibility that one or more other features or elements may be added. In the drawings, components may be exaggerated or reduced in size for convenience of explanation. For example, the shapes of the components shown in the drawings are arbitrarily shown for convenience of description, and thus the present invention is not necessarily limited to those shown in the drawings.

1 is a block diagram of a payment system according to an embodiment of the present invention.

1, a payment system according to an embodiment of the present invention includes a server 100, a plurality of user terminals 200 and 300, a payment means server 400, and a communication network 500 for connecting them . Hereinafter, when a plurality of user terminals 200 and 300 are referred to separately, they are referred to as a receiver terminal 200 and a payer terminal 300, respectively, for convenience of explanation.

Although FIG. 1 shows two user terminals 200 and 300 and one payment means server 400, the number of user terminals and the payment means server 400 are not limited.

The payment service provided according to an embodiment of the present invention is an escrow service that mediates a currency transaction between a receiver (for example, a seller who sells goods) and a payer (for example, a purchaser who purchases goods) to provide. The receiver creates a personalized payment page using the payment service provided according to an embodiment of the present invention, and the payment person connects to the payment page to perform settlement. The billing system according to an embodiment of the present invention provides an available settlement service even when the receiver is not registered as a merchant with respect to the payment means used by the payer. The billing system according to an embodiment of the present invention can provide an available settlement service even when the type of call used by the payer and the receiver is different.

1, the server 100 receives settlement object information from the receiver terminal 200, receives settlement means information from the settlement terminal 300, and finally establishes settlement. The server 100 can receive the information on the payment of money from the payment means server 400 and generate a remittance order for settlement of the payment to the receiver. The remittance may be made by a pre-registered bank account of the collecting person. Although not shown in the figure, the server 100 according to an embodiment of the present invention may include a memory, an input / output unit, a program storage unit, a control unit, and the like.

The user terminals 200 and 300 are communication terminals that can use a web service in a wired / wireless communication environment. Here, the user terminals 200 and 300 may be a user's personal computer or a user's portable terminal. Although the user terminals 200 and 300 are illustrated as a smart phone in FIG. 1, the present invention is not limited thereto. As described above, a terminal equipped with an application capable of web browsing can be borrowed without limitation have.

On the other hand, the user terminals 200 and 300 include a display unit for displaying a screen and an input device for receiving data from a user. The input device may include, but is not limited to, a keyboard, a mouse, a trackball, a microphone, a button, a touch panel, a camera, a motion sensor,

The payment means server 400 provides a service related to the payment means used by the payer. The payment payer may use the payment means previously issued in the payment service provided according to an embodiment of the present invention after the payment means provided by the payment means server 400 is first issued. According to one embodiment, the payment means used by the payer may be a financial account. For example, the payment means server 400 may be a server managed by a financial institution, and the financial account may be a bank account. According to another example, the settlement means server 400 is a server managed by a provider of a settlement solution using the Internet (for example, PayPal, Alipay, Tenpei, etc.), and the financial account is an account Lt; / RTI > According to another example, the payment means server 400 may be a server managed by a credit card company, and the payment means may be a credit card. It should be understood, however, that the present invention is not limited to the above-described embodiments, provided that the embodiments of the present invention can be embodied.

Although not shown in the figure, the payment server 400 according to an embodiment of the present invention may include a memory, an input / output unit, a program storage unit, a controller, and the like.

The communication network 500 may connect the user terminals 200 and 300, the server 100, and the settlement means server 400. For example, the communication network 500 provides a connection path so that the user terminals 200 and 300 can transmit and receive packet data after connecting to the server 100 and / or the payment means server 400. The communication network 500 may be a wired network such as LANs (Local Area Networks), WANs (Wide Area Networks), MANs (Metropolitan Area Networks), ISDNs (Integrated Service Digital Networks), wireless LANs, CDMA, Bluetooth, 3G, 4G, 5G, and the like, but the scope of the present invention is not limited thereto.

FIG. 2 is a block diagram illustrating an example of the configuration of a payment service providing apparatus 110 provided in the server 100 shown in FIG.

The payment service providing apparatus 110 according to an embodiment of the present invention may correspond to at least one processor or may include at least one processor. Accordingly, the settlement service providing apparatus 110 may be implemented in a form contained in another hardware apparatus such as a microprocessor or a general-purpose computer system, and may be mounted on the server 100. [

The payment service providing apparatus 110 shown in FIG. 2 shows only the components related to the present embodiment in order to prevent the characteristic of the present embodiment from being blurred. Accordingly, it will be understood by those skilled in the art that other general-purpose components other than the components shown in FIG. 2 may be further included.

The payment service providing apparatus 110 according to an embodiment receives the settlement information including the settlement amount information from the receiver terminal 200 and generates a settlement page for payment of the settlement amount, ) Or the payer terminal (300). The payer accesses the payment page using the receiver terminal 200 or the payer terminal 300 of the payer. The payment service providing apparatus 110 receives the payment information transmitted by the payment person through the payment page, confirms the payment information, and finally establishes the payment. When the settlement is established, the server 100 can notify the receiver of the establishment of the settlement, and can notify the settlement person of the settlement. In addition, the server 100 sets the settlement amount to the account of the receiver and receives the settlement amount from the payment means company (for example, card company) used by the payer, thereby completing the basic procedure related to the settlement.

The receiver registers in advance in the server 100 the account information to be settled by subscribing to the payment service provided according to an embodiment of the present invention. The receiver can easily obtain the settlement amount without depending on the time, place and kind of the payment means simply by subscribing to the settlement service provided according to the embodiment of the present invention without complicated preliminary procedure and using the settlement service You can make a payment. As the payer's accessibility improves, the sales volume of the receiver can increase.

Referring to FIG. 2, the apparatus 110 for providing a payment service according to an embodiment of the present invention includes a communication unit 111, a payment page providing unit 112, and a financial management unit 113. Hereinafter, each configuration of the settlement service providing apparatus 110 will be described in detail.

The communication unit 111 according to an embodiment transmits / receives data to / from the user terminals 200 and 300 and the payment means server 400, and also transmits / receives data to / from other external servers. The communication unit 111 receives a request for generating a payment page from the receiver terminal 200. The payment page creation request includes payment object information. The settlement target information includes the settlement target amount information. The settlement amount information may include call information as a reference. For example, the settlement amount information may be based on the first currency. Hereinafter, the first currency refers to the reference currency of the amount to be paid. The currency that is the basis of the settlement amount information may be directly input by the receiver terminal 200, or a default currency may be set in advance. The billing page creation request may further include information such as a name of a sale item, a sale type, a payment page link output type, and the like.

According to another example, the server 100 can designate a currency that is the basis of the settlement amount information as a specific currency. In this case, the billing page creation request received from the receiver terminal 200 includes a separate call information . ≪ / RTI >

The communication unit 111 transmits a payment page creation request to the payment page providing unit 112 and obtains a payment page access link from the payment page providing unit 112 to obtain the payment page access link from the receiver terminal 200 and / ).

The communication unit 111 receives data received via the payment page, for example, payment information entered through the payment page, from the payer terminal 300, and transmits the received payment information to the financial management unit 113. [ However, the present invention is not limited thereto, for example, in the following description of an embodiment in which payment information is received from the payer terminal 300. [ For example, when the payer inputs payment information using the receiver terminal 200, the payment information is received from the receiver terminal 200. [

The payment information includes payment means information. The payment information may include reference currency information. For example, the settlement information may include information that the currency that is the basis of the settlement amount is the second currency, and may further include the settlement amount information based on the second currency. The payment information may include credit card information input through a space provided for inputting payment means information (for example, credit card information) in the payment page. The communication unit 111 transmits the credit card information to the server of the credit card through the API for the credit card, requests payment approval, and receives a payment approval from the server of the credit card.

The first call and the second call are distinguished from each other only for convenience of identification, and the first call and the second call are not necessarily different, and the same case may occur. The payment information may include payment means information, payment amount, and settlement currency information. The communication unit 111 can receive payment information from the settlement institution by receiving the payment information and transmitting the received payment information to the settlement institution. For example, when the payment means is a credit card, the payment information may include a card number, a password, an expiration date, and a CVC, and the communication unit 111 transmits the received payment information to the card company to receive payment approval from the card company .

However, the present invention is not limited to this, and a method may be used in which the payer communicates with the settlement institution, and the settlement approval information is transmitted from the payer terminal 300 to the communication unit 111 after the payment is approved.

The payment page providing unit 112 according to an embodiment generates and provides a payment page corresponding to a payment page creation request received from the receiver terminal 200 by the communication unit 111. [ The payment page providing unit 112 refers to the payment amount information included in the payment page creation request, and generates and provides a payment page for payment of the payment amount. The payment page providing unit 112 refers to the payment page creation request received from the receiver so that the payment person can directly enter the payment information directly in one page without performing any additional clicking or page movement A billing page settlement page for displaying a first area for displaying a settlement amount and a second area for receiving settlement information on a page is generated and provided.

According to an example, the settlement page providing unit 112 provides the settlement page address to the receiver terminal 200 through the communication unit 111. In this example, the receiver terminal 200 delivers the payment page address to the payer terminal 300, and the payer terminal 300 accesses the payment page to input the payment information. The address of the payment page may be provided in the form of a link of the web address in the form of a text or in the form of an image code (a two-dimensional bar code, for example, a QR code) corresponding to the web address.

According to another example, the receiver terminal 200 can transmit a payment page creation request including the information of the payer terminal 300 to the communication unit 111. [ The payment page providing unit 112 refers to the information of the payer terminal 300 received from the receiver terminal 200 and transmits the payment page address to the payer terminal 300 through the communication unit 111 directly .

The payment page may provide one or more application programming interfaces (APIs) for payment methods. For example, the payment page may provide api for each of a plurality of payment means so that payment information can be input by selecting any one of the plurality of payment means. The api of each payment means may be provided from the server 400 or web site of each payment means. Each of the plurality of payment means may be used to settle at least one call. For example, the plurality of payment means may include a first payment means and a second payment means, wherein the first payment means can settle the first call, and the second payment means is able to settle the first call, 2 It may be possible to pay the currency.

The payment means may be a bank account or a credit card, and may also include various payment solutions such as PayPal. Depending on the type of api of each payment means, the payment page may be directly inputting the information of the payment means (for example, a card number or the like), and may include user account information for accessing the server of the payment means And a password). The payment page can provide a space for entering credit card information. The payment page may provide a space for entering user account information for accessing the payment solution.

The payment page can be created so as to use a payment means that can select any one of a plurality of calls and make a payment. Examples of such payment methods include credit cards (ex VISA) with a worldwide network and other payment solutions (PayPal, etc.). After the user selects the corresponding payment means, the user can proceed to settle the payment by selecting a currency to be paid for the payment, or to make a settlement based on the fundamentally designated currency for the corresponding payment means.

According to an embodiment of the present invention, the receiver can designate a currency to be paid by a payment person while transmitting a payment page creation request to the communication unit 111. [ For example, the payment page creation request may include a settlement amount based on the first currency to be settled by the receiver, and second currency information on which the payer will settle the settlement amount. In this case, the payment page providing unit 112 may generate a payment page that selectively provides api that can use the payment means capable of paying the second call. The settlement page providing unit 112 may generate a settlement page for displaying the settlement amount information obtained by converting the settlement amount of the first call into the second currency. Alternatively, the payment page providing unit 112 may generate a payment page for displaying together the payment target amount of the first call and the payment amount information obtained by converting the payment target amount of the first currency into the second currency. At this time, the exchange rate can be applied to the real-time exchange rate obtained by using the real-time exchange rate api, and the billing page may display a message indicating that the detailed payment amount may be changed depending on the payment method and time

The financial management unit 113 according to an exemplary embodiment of the present invention includes an authentication job of payment information, a settlement operation between a payment company and a settlement service according to an embodiment of the present invention, a settlement between a settlement service and a receiver according to an embodiment of the present invention And financial operations such as work.

The financial management unit 113 according to an exemplary embodiment transmits the payment information received through the payment page to the payment means server 400 and receives the approval for the payment information from the payment means server 400. [ For example, the financial management unit 113 transmits the credit card information and the settlement amount information received through the settlement page to the settlement means server 400, and receives the approval for the settlement information from the settlement means server 400. [ Alternatively, the financial management unit 113 transmits the account information of the payment solution (PayPal, AliPay, etc.) received through the payment page to the payment means server 400, and accepts approval of the account information from the payment means server 400 . When the approval for the payment information is received, the financial management unit 113 determines that the payment has been established. The financial management unit 113 accumulates the amount of the settlement equivalent to the amount of the settlement in the receiver account.

The settlement operation between the settlement service provider and the settlement service according to the embodiment of the present invention is an operation of receiving the remittance of the second call from the settlement service provider of the second currency used by the payer, The settlement work between the receiver and receiver is to transfer the first call to the account of the receiver.

The settlement operation may be performed for each settlement or may be performed periodically by calculating the accumulated settlement amount based on a predetermined period of time. Or when the settlement request is transmitted from the subject to be settled, the settling operation may be carried out irregularly with respect to the requested amount or the accumulated settled amount in the meantime.

First, regarding the settlement work between the settlement means and the settlement service, the financial management unit 113 receives the second call from the settlement means company of the second currency used by the payer to the host account for the second call of the settlement service. The remittance may also be performed for each settlement, or may be performed by periodically or irregularly calculating the accumulated settlement amount based on a predetermined period of time. Or when the settlement request is transmitted from the settlement server 100, the settlement requested amount or the accumulated amount accumulated in the meantime.

The financial management unit 113 refers to the settlement approval received after transmitting the settlement information or the settlement information including the settlement agency, the settlement amount, and the settlement currency information to the settlement institution, and transmits the settlement amount to the host account for the settlement currency The request may be forwarded to the appropriate clearinghouse.

However, in connection with the settlement between the settlement means and the settlement service, the settlement request does not necessarily need to be transmitted from the settlement server 100, and the settlement can be made without requesting a separate remittance according to the promised method . For example, the financial management unit 113 may forward the host account information of each call to a payment means company that can settle each call in advance. For example, the host account information of the second call may be provided to a credit card company handling the second call. In this case, a method of transferring the accumulated settlement amount accumulated according to the scheduled schedule on the basis of the previously transmitted host account information may be used without any separate request.

Next, regarding the settlement work between the present settlement service and the receiver, the financial management unit 113 generates a remittance order for remitting the settlement amount of the first call from the host account for the first call to the account of the receiver. For example, the financial management unit 113 accumulates the amount to be paid for the first call in association with the information on the receiver (for example, account information), and stores the amount to be paid for the first call Can be generated. The financial management unit 113 transfers the generated remittance command to the communication unit 111, the communication unit 111 transmits the remittance command to the financial institution, and the actual inter-account remittance can be performed at the financial institution. However, the remittance of the amount to be paid is not limited to the remittance of only the amount to be paid, but means the remittance of the remittance amount including the amount to be paid. The financial institution receiving the remitting order is the bank account of the host account for the currency to be remitted (in this embodiment, it is the first currency).

According to one example, a remittance command may be generated for each settlement, and the remittance amount may include only the amount to be settled for each settlement. According to another example, a remittance order may be generated in a batch on a periodic basis, based on a predetermined period of time, on a periodic basis or on a predetermined condition, for cumulative settlement cases, And may be a total sum of amounts to be settled in the cases. According to another example, the remittance order may be collectively generated so as to remit the total of the amounts to be settled in the cumulative cases for the accumulated settlement cases when there is a request for settlement of the settlement person, As shown in FIG.

The remitting order can be transmitted to the financial institution of the first currency which is the basis of the remittance amount. The remittance command includes account information of the receiver who can deposit the first call. For example, if the first currency is the KRW and the KRW 10,000 is settled by the receiver, the financial management unit 113 receives 10,000 KRW from the host account for the KRW of the settlement service KRW) to the server of the first bank issuing the host account. The first bank may be a Korean bank handling KRW. The account of the receiver may also be an account issued by the bank handling the KRW, and the account information of the receiver may be input and stored in advance from the receiver when the receiver subscribes to the payment service according to an embodiment of the present invention .

According to one embodiment, in generating a remittance command for remitting a settlement amount of the first call from the host account for the first call to the account of the receiver, the financial management unit 113 may set the amount of money A remittance command for remittance can be generated. The financial management unit 113 may set a higher fee for the case where the first currency of the receiver and the second currency of the payer are different than when the first currency of the receiver and the second currency of the payer are the same. When the first call of the receiver and the second call of the payer are different from each other, the financial management unit 113 determines whether the first call and the second call are more important than the main call (e.g., dollar, euro, yen, , Pounds, francs, etc.) can be set higher.

FIG. 3A is a detailed configuration diagram of the financial management unit 113 shown in FIG. 2 according to an embodiment of the present invention. Referring to FIG. 3A, the financial management unit 113 includes a user account management unit 1131 and a host account management unit 1132.

The user account management unit 1131 manages accounts of users who subscribe to the payment service. For example, it manages cumulative settlement amount, settlement status, settlement processing, etc. for each user account. The user account management unit 1131 manages the remittance from the payment means account and the remittance to the account of the user (receiver).

The host of the payment service according to an exemplary embodiment may have a host financial account for each call provided by the payment system according to one embodiment. For example, a first account capable of depositing and withdrawing a first currency, and a second account capable of depositing and withdrawing a second currency. The first account and the second account can be operated independently. For example, the user account management unit 1131 receives remittance from the subject of the payment means of the second call to the second account of the host, and separately performs settlement for remitting the first call from the first account of the host to the account of the receiver can do.

The host account management unit 1132 manages an account of the payment service host. Assuming that payments are made in various currencies and that the amount of deposit and the amount of withdrawal in each currency of the settlement service host are balanced, there is no need to make a separate settlement between accounts of each currency of the host. According to this, the direct transfer of foreign currency is minimized, simplifying the financial business and saving the exchange fee. In addition, instability due to exchange rate fluctuations is eliminated.

FIG. 3B is a detailed configuration diagram of the host account management unit 1132 shown in FIG. 3B, the host account management unit 1132 includes a monitoring unit 11321, a withdrawal account determination unit 11322, and a remittance processing unit 11323. The withdrawal account determination unit 11322 includes a real-time exchange rate collection unit 11322a ).

The host account management unit 1132 can process the international remittance between a plurality of host accounts operated by the payment service according to an embodiment of the present invention. Foreign remittances may involve exchange. The host account management unit 1132 may monitor a plurality of host accounts to balance the deposits of the plurality of host accounts.

The monitoring unit 11321 according to the embodiment monitors the deposits of each of a plurality of host plural accounts, and can generate a notification when an account satisfying a predetermined condition of deposit is found. The monitoring unit 11321 according to another embodiment may monitor the estimated deposits after a predetermined period of time of each of the plurality of host plural accounts, and may generate a notification when an account satisfying predetermined conditions of the estimated deposit after a predetermined period is found. The condition may be that the deposit is less than a predetermined amount. The account that generated the notification is hereinafter referred to as " first account ". The host account management unit 1132 may generate a notification and terminate the process, but may automatically perform subsequent processing when a notification occurs. As an example of subsequent processing, you can generate a remittance command between host accounts.

The withdrawal account determination unit 11322 according to an embodiment determines a second account to be remitted to the first account that generated the notification. For example, the withdrawal account determination unit 11322 determines the account with the largest deposit (or the expected deposit) as the second account, and the transfer processing unit 11323 transfers at least a part of the deposit of the second account to the first account You can create a remittance order for overseas remittance. Foreign remittances include processing of currency exchange. Alternatively, the withdrawal account determination unit 11322 may determine the second account in consideration of the real-time exchange rate for each currency, and the remittance processing unit 11323 may remit the at least a portion of the deposit of the second account to the first account You can create a remittance order. In another example, the withdrawal account determination unit 11322 can determine the specific account set by the administrator as the third account.

According to one embodiment, the withdrawal account determining unit 11322 can determine the account of the highest currency having the highest real-time exchange rate as the second account, compared to the pre-stored reference exchange rate. The real-time exchange rate collection unit 11322a collects the exchange rate for each currency in real time using api provided by a public institution or the like, and provides it to the withdrawal account determination unit 11322. [

According to one embodiment, the withdrawal account determination unit 11322 can determine the second account by referring to both the reference exchange rate of each currency, the real-time exchange rate, and the current real-time deposit of the host account for each currency.

According to one embodiment, the withdrawal account determination unit 11322 determines whether or not the real-time deposit amount is equal to or greater than a preset amount, and if the host account for the currency that satisfies the second condition that the ratio of the real- As the second account. If there is no host account satisfying both the first condition and the second condition, the withdrawal account determining unit 11322 sets the host account for the currency having the highest ratio of the real-time exchange rate among the host accounts satisfying the first condition to the second It is determined as an account. When there is no host account satisfying the first condition, the withdrawal account determining unit 11322 determines that there is no withdrawable account and outputs an error message.

FIG. 3C is a detailed configuration diagram of the billing page providing unit 112 shown in FIG. 2 according to an embodiment of the present invention. Referring to FIG. 3C, the settlement page providing unit 112 includes a page type determining unit 1121, a payment page generating unit 1122, and a link output unit 1123.

The page type determination unit 1121 according to the embodiment determines the type of the payment page as one of a plurality of types. The type of the payment page can be determined based on the payment page creation request received by the communication unit 111. [ According to one embodiment, the billing page creation request includes sales type information. The sales type information is information indicating whether the transaction corresponding to the amount to be paid is a transaction requiring the delivery of the product or a transaction in which the delivery of the product is unnecessary. The receiver can request a billing page from the billing page creation page, and specify a sales type. For example, on the billing page creation page, the receiver specifies whether payment is necessary for delivering the goods or payment for which the delivery of the goods is unnecessary. For example, a payment that does not require the delivery of goods may correspond to a simple remittance that does not involve direct sale or sale of goods.

The page type determination unit 1121 determines the type of the settlement page to be the first type so as to include the area for receiving the destination address in the case of payment requiring the delivery of the goods, and if the payment is not necessary for the delivery of the goods, The type of the payment page is determined to be the second type so as not to include the receiving area.

The payment page generating unit 1122 according to an embodiment generates a payment page according to the determination of the page type determining unit 1121. [ When the page type determination unit 1121 determines that the payment page is the first type, the payment page generation unit 1122 generates the first type of payment page including the area for receiving the delivery address. When the page type determination unit 1121 determines that the payment page is the second type, the payment page generation unit 1122 generates the second type of payment page that does not include the area to receive the destination address.

The link output unit 1123 according to an embodiment determines a type of outputting a connection address of a payment page. The output type can be determined based on the billing page creation request received by the communication unit 111. [ According to one embodiment, the billing page creation request includes billing page link output type information. The payment page link output type information is information indicating a method of outputting the connection address of the payment page generated by the payment page generation unit 1122. [

The receiver can specify the payment page link output type while requesting to create a payment page on the billing page creation page. For example, on the billing page creation page, the receiver specifies whether to receive the link of the settlement page as a web address in text form or a link of the settlement page as an image code (for example, a QR code). Alternatively, the receiver can designate a target of outputting a link to a payment page on the payment page creation page. For example, if the receiver wants to send a payment page link directly from the server 100 to the payer terminal 300, the receiver can input the identification information of the payer terminal 300 on the payment page creation page, And request payment page creation to output directly to the payer terminal 300.

The link output unit 1123 according to an embodiment may be configured to have a first type of outputting a link output type as a text form of a billing page in response to a billing page creation request received from a receiver, And outputting the web address of the settlement page according to the determined link output type.

The link output unit 1123 according to an embodiment determines a link output object in response to a payment page creation request received from a receiver. For example, if the payment page creation request received from the receiver includes the identification information of the payer terminal 300, the link output unit 1123 determines the link output target to be the payer, (300) When the identification information is not included, the link output target is determined as the receiver. In this embodiment, the link output unit outputs a link output type to the receiver terminal in response to the request for generating a payment page, a first type for outputting the web address of the payment page to the receiver terminal, and outputs an image code corresponding to the web address of the payment page to the receiver terminal A third type for outputting the web address of the payment page to the payer terminal, and a fourth type for outputting the image code corresponding to the web address of the payment page to the payer terminal.

The link output unit 1123 outputs a link of the settlement page according to the determined settlement page link output type. If the payment page link output type is the first type, the link output unit 1123 provides the web address of the payment page to the receiver terminal. If the payment page link output type is the second type, the link output unit 1123 provides the receiver terminal with an image code corresponding to the web address of the payment page. If the payment page link output type is the third type, the link output unit 1123 provides the web address of the payment page to the payer terminal. When the settlement page link output type is the fourth type, the link output unit 1123 provides the receiver terminal with an image code corresponding to the web address of the settlement page.

The link output unit 1123 can provide a link of the settlement page to a pop-up window displayed on the display unit of the receiver terminal 200 when the receiver terminal 200 outputs a link of the settlement page have. The link output unit 1123 can provide an icon that can execute an application capable of transmitting a link of the settlement page to the payer terminal 300, together with a link.

4 is a flowchart illustrating a method of providing a payment service according to an exemplary embodiment of the present invention.

The flow chart shown in FIG. 4 is composed of the steps of the payment service providing apparatus 110 shown in FIG. 2 to FIG. 3C, which are processed in a time-series manner. Therefore, even though omitted from the following description, it can be understood that the above description regarding the configurations shown in Figs. 2 to 3C also applies to the flow chart shown in Fig.

Referring to FIG. 4, in step S41, the communication unit 111 of FIG. 2 receives a payment page creation request including payment target amount information from the receiver terminal.

In step S42, the settlement page providing unit 112 of FIG. 2 generates a settlement page capable of paying the settlement amount, and provides the web address of the settlement page in the form of an image code corresponding to a text form or a web address.

In step S43, the communication unit 111 of FIG. 2 receives the payment information entered through the payment page.

In step S44, the financial management unit 113 of FIG. 2 transmits the settlement information to the settlement means server.

In step S45, the financial management unit 113 of FIG. 2 receives approval for payment information.

Meanwhile, a payment service providing method according to an embodiment of the present invention shown in FIG. 4 is a general digital computer that can be created as a program that can be executed by a computer and operates the program using a computer readable recording medium Can be implemented. The computer-readable recording medium includes a storage medium such as a magnetic storage medium (e.g., ROM, floppy disk, hard disk, etc.), optical reading medium (e.g., CD ROM,

5 is a block diagram schematically illustrating a billing page obtaining apparatus 210 according to an embodiment of the present invention.

The billing page acquisition apparatus 210 according to an embodiment of the present invention may correspond to at least one processor or may include at least one processor. Accordingly, the settlement service obtaining apparatus 210 shown in FIG. 5 can be operated in a form of being included in another hardware apparatus such as a microprocessor or a general purpose computer system, (Not shown). The settlement page acquisition apparatus 210 can be mounted on the receiver terminal 200 and can communicate with the server 100. The server 100 and the receiver terminal 200 described above with reference to Figs. The data transmission / reception contents between the payment service acquisition device 210 and the payment service acquisition device 210 shown in FIG.

The payment service obtaining apparatus 210 shown in FIG. 5 shows only the components related to the present embodiment in order to prevent the characteristic of the present embodiment from being blurred. Accordingly, it will be understood by those skilled in the art that other general-purpose components other than the components shown in FIG. 5 may be further included.

5, the payment page obtaining apparatus 210 includes a communication unit 211, a user interface unit 212, and a display control unit 213.

The communication unit 211 communicates with the server 100 and the payer terminal 300. The communication unit 211 transmits a payment page creation request generated by the receiver terminal 200 to the server 100. The billing page creation request includes the billing amount information. The communication unit 211 receives the web address of the payment page from the server 100 in response to the transmission of the payment page creation request. In detail, the communication unit 211 receives, from the server 100, a web address of a settlement page capable of paying a settlement amount in the form of a text or an image code corresponding to the web address.

The user interface unit 212 detects a user input inputted to the receiver terminal 200 and performs a process for user input.

The display control unit 213 controls the screen displayed on the display unit of the receiver terminal 200. [ The display control unit 213 displays a payment page creation request screen on the display unit of the receiver terminal 200 and displays the web address of the payment page received from the server 100 on the display unit of the receiver terminal 200. [ The display control unit 213 displays the web address of the payment page received from the server 100 on a display unit of the receiver terminal 200 in a pop-up manner. The display control unit 213 may display an icon for executing an application that can share the web address of the payment page and the web address of the payment page together in a pop-up window.

6 is a flowchart of a method of acquiring a payment page according to an embodiment of the present invention.

The flow chart shown in FIG. 6 consists of the steps that are processed in a time-series manner in the settlement service obtaining apparatus 110 shown in FIG. Therefore, even if omitted from the following description, it can be seen that the above description regarding the configurations shown in FIG. 5 also applies to the flow chart shown in FIG.

Referring to FIG. 6, in step S61, the communication unit 211 of FIG. 5 transmits a payment page creation request including the settlement amount information to the server 100. FIG.

In step S62, the communication unit 211 of FIG. 5 receives the web address of the settlement page, which can settle the settlement amount, in the form of a text or an image code corresponding to the web address.

In step S63, the display control unit 213 of FIG. 5 displays the web address of the settlement page in a pop-up manner on the display unit of the receiver terminal 200. FIG.

Meanwhile, the billing page acquisition method according to an embodiment of the present invention shown in FIG. 6 can be realized by a general-purpose digital computer that can be created as a program that can be executed by a computer and operates the program using a computer- Can be implemented. The computer-readable recording medium includes a storage medium such as a magnetic storage medium (e.g., ROM, floppy disk, hard disk, etc.), optical reading medium (e.g., CD ROM,

The server 100 according to an embodiment of the present invention may distribute a program that can execute the payment service acquisition method according to an embodiment of the present invention to the receiver terminal 200. [

7 is an example of a screen 50 on which a page provided by the service providing server 100 to the receiver terminal 200 according to an embodiment is displayed so that the receiver can transmit a payment page creation request.

The screen 50 is an example of the case where the receiver logs in to the payment service according to the embodiment of the present invention and then accesses the payment page generation request page. 7, a box 51 for inputting a product name and a box 52 for inputting a payment amount are displayed on the screen 50, and a button 53 for generating a link of a payment page and a button A button 54 capable of generating a QR code corresponding to the link is displayed.

In the example shown in Fig. 7, the receiver can see that the merchandise name " postcard " is entered in the box 51 on the screen 50 and the payment amount " 10,000 won " On the other hand, the receiver can select an arrow 521 in the box 52 to select the currency type of the payment amount. The currency designated as the default when the receiver accesses the payment page creation request page displayed on the screen 50 can be determined by account information of the receiver or preset by the receiver. However, according to an example, the indication of the arrow 521 shown in Fig. 7 may be omitted, and the call may be designated as default.

The receiver then fills the boxes 51 and 52 as shown in FIG. 7 and then selects the button 53 or the button 54 to transmit a payment page creation request to the server 100. When a button 53 is selected, a payment page is generated and a link (web address) of the generated payment page is provided. When a button 54 is selected, a payment page is generated and a QR The code is provided. The link may be displayed as a pop-up or automatically stored in the clipboard of the receiver terminal 200. The payment page link output type included in the payment page creation request is determined according to which button 53 or 54 the receiver selects. When the receiver 100 selects the button 53, the server 100 generates a payment page and provides the link of the payment page in a text form. When the receiver 100 selects the button 54, the server 100 generates a payment page Provide the image code corresponding to the web address of the page.

FIG. 8 is an example of a screen 50 'in which a pop-up is displayed after selecting the link 53 in FIG.

Referring to FIG. 8, when the receiver presses the button 53 after filling the boxes 51 and 52 of FIG. 7, a payment page is generated and a link 50 of the payment page is displayed on the screen 50 ' Is shown. 8, the pop-up 60 displays the web address of the payment page as text, and the lower portion of the web address displays the icon 61 that executes the application including the function of sharing the link of the payment page . The icon 61 can be linked to an application that includes functions such as clipboard copying, instant messaging, message transmission, and the like.

For example, if the first icon is a clipboard copy, the receiver clicks the first icon and the link to the payment page is copied to the receiver's clipboard. For example, if the second icon is a messenger transmission, the receiver selects a second icon, moves to the messenger application, and transmits a payment page link to the payer through the application. For example, if the third icon is a message transmission, the receiver selects the third icon, moves to the message application, inputs identification information (e.g., mobile phone number) of the payer through the application, To the payer. Examples of the functions of the icons are not limited to those described above.

9 is an example of a screen 70 on which a settlement page according to an example is displayed.

The payer accesses the payment page using the payment page link provided by the receiver. Referring to FIG. 9, a screen 70 is displayed in which a receiver displays a payment page on a receiver terminal by accessing a payment page. 7), a settlement amount (10,000 won in the example of FIG. 7), and a payment means 71 are displayed on the payment page. On the screen 70, the payment page provides the option of the payer to select the currency to be paid. The payer can open a list of currencies to the right of the payment amount and select another currency. When the payer selects the currency, the communication unit 111 of Fig. 2 receives the currency information selected by the payer, and the payment page generating unit 112 of Fig. 2 converts the payment amount information converted based on the real- (Or the layer of the payment amount item included in the payment page) so as to display the payment amount in the payment amount item. FIG. 9 shows an example in which the payer has selected the KRW and the amount to be paid according to the payment is displayed. On the other hand, according to another embodiment, the payment page displayed on the screen 70 does not provide the option of selecting the currency to be paid by the payment person, but displays the payment amount based on the same currency as the currency of the payment target amount, And payment information including payment means information for payment of the payment information.

Referring to FIG. 9, the payment page provides a plurality of payment means 71. 9 shows an example in which the payer selects an item "direct settlement" in the payment means 71 and an information input area in which a payer can input credit card information is displayed at the lower end thereof. In addition, the payer can select "Paypal" to make a payment using a PayPal account, or select "Alipay" to make a payment using an Alipay account. On the other hand, PayPal or AliPay is only an example of a PINTECH service that enables an online payment to be easily performed using an account registered in advance, but the embodiments of the present invention are not limited to this example. If the payee selects the "Paypal" item, an area will be displayed at the bottom to enter information that allows you to log in to your PayPal account.

The information input area for the payment means 71 and each payment means displayed at the lower end thereof may be linked to api of each payment means. The financial management unit 113 of FIG. 2 can transfer the payment information entered by the payer into the information input area to the payment means server 400 through api of the payment means, and can receive approval from the settlement institution. However, the process of inputting payment information into the information input area by the payer and receiving approval from the payment service provider may be performed directly by the payer terminal 300 and the payment server 400 without going through the service providing server 100 And may be processed by communication. In this case, the payer should provide approval information to the service providing server 100.

On the other hand, the settlement page shown in FIG. 9 is an example of a second type of settlement page that does not include a region for receiving a delivery address.

FIG. 10 is an example of a screen 50 'in which a billing page creation request page according to another example is displayed.

Referring to FIG. 10, the billing page creation request page displayed on the screen 50 'includes an element for inputting sales type information. Referring to FIG. 10, the receiver can select the shipping required icon 551 or the direct deal icon 552 displayed on the screen 50 'to generate sales type information. The sales type information is information indicating whether the transaction corresponding to the amount to be paid is a transaction requiring the delivery of the product or a transaction in which the delivery of the product is unnecessary. The receiver can designate the sales type by selecting one of the icons 551 and 552 before requesting the payment page creation by pressing the button 53 or 54 on the payment page creation page displayed on the screen 50 ' Only one of the icons 551 and 552 can be selected. For example, if the receiver selects the icon 551 after selecting the icon 551, the selection for the icon 551 is canceled.

An example of a payment page generated when the button 53 or 54 is pressed after selecting the icon 551 on the screen 50 'of FIG. 10 is shown in FIG. An example of a payment page generated when a button 53 or 54 is pressed after selecting an icon 552 on the screen 50 'of FIG. 10 is shown in FIG.

11 is an example of a screen 80 'in which a settlement page according to another example is displayed.

11 is an example of a screen 80 'in which a first type of settlement page including an area for receiving a delivery address is displayed. Referring to FIG. 11, the payment page further includes a payer's personal information input area 72. The payer can input personal information including an address to which the article is to be delivered through the personal information input area 72. Personal information of the payer inputted through the personal information input area 72 can be transmitted to the receiver terminal 200 through the service providing server 100. [ The receiver can refer to the personal information of the payer to deliver the goods.

The present invention has been described with reference to the preferred embodiments. While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is evident that many alternatives, modifications and variations will be apparent to those skilled in the art. It will be appreciated that other equivalent embodiments are possible. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

The present invention may be represented by functional block configurations and various processing steps. These functional blocks may be implemented in a wide variety of hardware and / or software configurations that perform particular functions. For example, the present invention may be implemented in integrated circuit configurations such as memory, processing, logic, look-up tables, etc. that may perform various functions by control of one or more microprocessors or other control devices Can be employed. Similar to the components of the present invention that may be implemented with software programming or software components, the present invention may be implemented as a combination of C, C ++, and C ++, including various algorithms implemented with data structures, processes, routines, , Java (Java), assembler, and the like. Functional aspects may be implemented with algorithms running on one or more processors. Further, the present invention can employ conventional techniques for electronic environment setting, signal processing, and / or data processing. Terms such as "mechanism", "element", "means", "configuration" may be used broadly and are not limited to mechanical and physical configurations. The term may include the meaning of a series of routines of software in conjunction with a processor or the like.

100: Server
200:
300: Payer terminal
400: Payment means server
500: Network
110: a payment service providing device
210: Billing page acquisition device

Claims (10)

A communication unit for receiving a payment page creation request including payment target amount information from the receiver terminal and receiving the payment information input through the payment page;
A payment page providing unit configured to generate a payment page capable of paying the settlement amount and to provide the web address of the payment page in the form of a text or an image code corresponding to the web address; And
And a financial management unit for transmitting the payment information to the payment means server and receiving approval for the payment information from the payment means server
Payment service providing apparatus.
The method according to claim 1,
The payment page providing unit may provide the web address of the payment page to the receiver terminal that has transmitted the payment target amount information,
The payment page displays a region for displaying the payment target amount information and an area for receiving payment information on a single page so that the payer can input the payment information within the payment page without moving the page
Payment service providing apparatus.
The method according to claim 1,
Wherein the payment page creation request further includes link output type information,
The payment page providing unit may include:
A first type for outputting the link output type of the settlement page as a text form of the settlement page based on the link output type information or a second type for outputting an image code corresponding to the web address of the settlement page, And a link output unit for outputting the web address of the settlement page according to the determined link output type
Payment service providing apparatus.
The method of claim 3,
The link output type includes:
A first type for outputting a web address of the payment page to the receiver terminal, a second type for outputting an image code corresponding to the web address of the payment page to the receiver terminal, A third type for outputting an address, and a fourth type for outputting an image code corresponding to a web address of the payment page to the payer terminal.
Payment service providing apparatus.
The method according to claim 1,
The payment page creation request further includes sales type information,
Wherein the settlement page providing unit determines the type of the settlement page as one of a plurality of types based on the sales type information
Payment service providing apparatus.
6. The method of claim 5,
The sales type information indicates whether or not the transaction corresponding to the amount to be paid requires the delivery of the goods,
The type of the payment page may be a first type including an area for receiving a destination address or a second type for not including a destination area,
Payment service providing apparatus.
Receiving a payment page creation request including payment target amount information from the receiver terminal;
Generating a payment page capable of paying the settlement amount, and providing the web address of the settlement page in the form of a text or an image code corresponding to the web address;
Receiving payment information entered through the payment page;
Transmitting the payment information to a payment means server; And
And receiving approval for the payment information from the payment server.
A computer-readable recording medium storing a computer program for causing a computer to execute the method of claim 7.
Transmitting to the server a payment page creation request including the payment target amount information by the receiver terminal;
Receiving a web address of a settlement page in which the settlement amount can be paid in the form of a text or an image code corresponding to the web address; And
And displaying the web address of the payment page on a display unit of the receiver terminal in a pop-up manner.
10. The method of claim 9,
Wherein the displaying step displays an icon for executing an application capable of sharing a web address of the payment page and a web address of the payment page,
Computer program.

Images