KR20200006756A - Apparatus and Method for providing delyed payment using delivery tracking number - Google Patents

Abstract

Disclosed are an apparatus for providing delayed payment using a delivery number and a method thereof. According to one aspect of the present invention, an apparatus for minimizing the delayed payment by using a delivery number while providing the delayed payment in which the payment of a buyer is delayed to a seller comprises: a registration unit receiving the registration of a delivery number generated by a delivery request of a seller from a seller terminal; a delivery start confirmation unit confirming the start of delivery using the registered delivery number; a setting unit setting a date and time for which payment is automatically made to the seller based on the confirmed start information of the delivery; and a payment unit paying the seller for payment of the buyer of the delayed payment when the set date and time of the automatic payment arrives.

Description

Apparatus and Method for providing delyed payment using delivery tracking number}

The present invention is a technology of payment of goods, in the merchandise transaction made by the payment of the buyer, delays the payment of the paid buyer to the seller, and pays the delayed buyer's payment to the seller by registering the seller's shipping number. It relates to an apparatus and a method.

In the offline transaction, the seller's product and the buyer's payment are simultaneously traded, so there is no fraud. However, in an online transaction, after the buyer pays for the goods, the seller's goods are delivered to the buyer through delivery. In this case, after the seller has already received the payment amount of the buyer, the seller may not deliver the product to the buyer or may cause a fraud problem by delivering the problematic product.

In order to protect buyers affected by sellers' fraud in online transactions, an escrow payment system was introduced. When the payment is made by the payment completion of the buyer, the escrow payment system holds the payment amount of the buyer, and then pays the payment amount of the buyer to the seller by confirming the purchase of the product (confirmation of receipt of the product).

Since online transactions have grown rapidly, buyers are increasingly discouraging the purchase of the products required for each escrow product in frequent online purchases. This is because, even if the purchaser does not confirm receipt of the goods, the purchase is automatically confirmed in a predetermined period (for example, one week after completion of delivery).

However, the automatic purchase confirmation of the escrow service is rather convenient for the buyer unilaterally and disadvantageous for the seller of the goods. This is because, although the seller has already delivered the goods, the payment is delayed until the purchase of the goods by the buyer or automatic is confirmed. The delay of the payment has a problem of delaying the seller's profits. In particular, as the seller's fraud, such delays can be misused as a product complaining, delay in confirming the purchase of a product, or refunding a simple remorse while trapping the product as a defective product by using or damaging the product. There is a problem that is exposed to the risk of having to suffer inconvenience.

In fact, after the goods are sent to the buyer, the damage occurs until the seller's payment is received, and the delay of the payment increases, the seller's damage increases. In addition, in the escrow system, the automatic receipt of goods is the payment of the buyer is paid to the seller with the maximum damage of the seller. Therefore, there is a need to protect the net functional interests of sellers who provide sincere delivery services of legitimate goods.

In addition, the escrow system applied in the interpersonal transaction is one-sided delay in payment of the transaction price to the seller price, the increase in the case that the buyer who received the goods while the payment is delayed requests a simple remorse refund, the seller rejects the escrow system I'm doing it.

Korea Patent Registration 10-1080695 (2011.11.01)

The present invention has been created to solve the above-mentioned conventional problems, the device for providing a delayed payment to the seller is minimized by using a valid shipping number registered by the seller to the payment price of the buyer is delayed payment to the seller and The purpose is to provide a method.

According to one aspect, the device for minimizing the delayed payment by using the shipping number, while providing a delayed payment that the payment of the buyer's payment is delayed to the seller, the seller terminal by using the shipping number generated by the seller's delivery application Register registered from; Delivery start confirmation unit for confirming the start of delivery using the registered delivery number; A setting unit for setting a date and time for which payment is automatically made to the seller based on the confirmed start information of the delivery; And a payment unit for paying the seller for payment of the buyer of the delayed payment when the set date and time of the automatic payment arrives.

The delivery number is generated by the courier company server, issued to the seller terminal, and registered with the registration unit by the seller, the corresponding shipping information is inquired by the buyer terminal at the buyer's request.

The delivery start confirmation unit checks the delivery tracking information by loading or unloading the goods from the courier server using the delivery number as a key to confirm the start of the delivery.

The apparatus further includes a delivery completion confirmation unit for confirming the completion of the delivery by inquiring the delivery completion information from the courier server using the delivery number as a key, and the payment unit, if the completion information of the delivery is confirmed, Even before the date and time arrives, the payment price of the buyer of the delay payment is paid to the seller at the request of the seller terminal.

The apparatus may further include a notification unit that notifies the purchaser terminal of completion information of the payment when the payment is completed from the payment unit to the seller.

The apparatus further includes an insurance processing unit for refunding the buyer with the insurance money of the insurance product subscribed if the refund requested by the buyer is not possible due to the seller's responsibility after the payment is completed from the payment unit to the seller. .

According to another aspect, a method of minimizing the delayed payment using a shipping number, while the device provides a delayed payment in which the payment of the buyer's payment is delayed to the seller, may be based on a shipping number generated by the seller's shipping application. Registering from a seller terminal; Confirming the start of delivery using the registered delivery number; Setting a date and time for which payment is automatically made to the seller based on the confirmed start information of the delivery; And when the date of the set automatic payment arrives, paying the seller the payment price of the buyer of the delayed payment.

According to an aspect of the present invention, by determining the valid delivery based on the shipping number issued by the seller to pay the buyer's payment to the seller, it is possible to minimize the delay to the seller and protect the seller's interests.

In addition, by setting an automatic payment date and time to be paid to the seller on the basis of the date that the start of delivery is confirmed by the shipping number, the seller can receive the payment of the buyer faster.

The following drawings attached to this specification are illustrative of the preferred embodiments of the present invention, and together with the detailed description of the invention to serve to further understand the technical spirit of the present invention, the present invention described in those drawings It should not be construed as limited to
1 is a schematic diagram of a delayed payment system according to an embodiment of the present invention.
FIG. 2 is a schematic internal configuration diagram of the delayed payment server of FIG. 1.
3 is an exemplary diagram of payment of an automatic payment and a seller request processed after the seller's delivery registration.
FIG. 4 is a flowchart in which the delay payment server of FIG. 1 processes an automatic payment.
5 is a flowchart in which the delayed payment server of FIG. 1 processes payment of a seller request.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Prior to this, terms or words used in the present specification and claims should not be construed as being limited to the ordinary or dictionary meanings, and the inventors should properly explain the concept of terms in order to best explain their own invention. It should be interpreted as meaning and concept corresponding to the technical idea of the present invention based on the principle that it can be defined. Therefore, the embodiments described in the specification and the drawings shown in the drawings are only the most preferred embodiment of the present invention and do not represent all of the technical spirit of the present invention, various modifications that can be replaced at the time of the present application It should be understood that there may be equivalents and variations.

1 is a schematic diagram of a delayed payment system 100 according to an embodiment of the present invention.

Delayed payment system 100 according to an embodiment of the present invention is configured to include a delayed payment server 110, a courier service server 120, a seller terminal 130 and a buyer terminal 1400 connected via a wired, wireless network. .

The delayed payment server 110 provides a delayed payment service for the payment of the buyer whose payment is delayed to the seller online, ending the delay based on the seller's shipping number, and paying the buyer's payment for the seller. Pay to The delayed settlement service provided by the present invention minimizes the delay to sincere sellers registering the shipping number, and immediately pays the seller the payment of the buyer whose payment is currently delayed.

Here, the delayed payment server 110 may be constructed as a server integrated with an online transaction server that provides an online transaction service to the seller terminal 130 and the purchaser terminal 140. If the independent transaction server is excluded from the online transaction service, the delay payment server 110 may receive the online transaction information of the seller and the buyer from the online transaction server to provide the delay payment service.

The online transaction service includes various types of transactions (eg, online shopping malls, open markets, auctions, direct transactions, etc.) between individuals and companies, and is not limited to specific types of transactions.

The courier company server 120 provides a delivery service of a corresponding transaction product in which a seller becomes a sender and a buyer becomes a receiver for the online transaction. In addition, the courier service server 120 provides delivery information of a corresponding shipping number in response to an inquiry request of a terminal connected through a wired or wireless network. The courier company server 120 generates and issues a shipping number (for example, a waybill number) that uniquely identifies the delivery of the product to the seller of the product delivery request. Of course, the delivery number becomes a key so that the delivery tracking information of the product is inquired.

The seller terminal 130 and the purchaser terminal 140 are terminals capable of network communication through wired and wireless networks, and correspond to PC terminals and mobile terminals. When the seller establishes an online transaction with the buyer, the seller delivers the goods of the established transaction to the buyer. In this case, in order to minimize the delay of payment by the seller by receiving the delay payment service of the present invention, the seller terminal 130 needs to register the shipping number after accessing the delay payment server 110.

The purchaser terminal 140 purchases the product of the online transaction registered by the seller terminal and pays the product price to close the online transaction. The price of the buyer's goods paid is stored by a third party to ensure that the buyer receives the goods safely by the seller's shipment. At this time, if the seller registers a valid shipping number in the delay payment server 110, the payment price of the buyer whose payment is delayed according to the delay payment service of the present invention is paid to the seller.

Here, it is preferable that the buyer pays the price of the product by wire transfer. In addition, other payment means, such as credit cards, mobile phone micropayments, and the like, may also be allowed to pay for the goods. The third party who keeps the payment price of the buyer due to the payment delay may be the delay payment server 110. In addition, a financial company (eg, a bank or a credit card company) affiliated with the delayed payment server 110 may be a third party.

2 is a schematic internal configuration diagram of the delayed payment server 110 of FIG.

Delayed payment server 110 according to an embodiment of the present invention is a register 211, the delivery start confirmation unit 212, the setting unit 213, the delivery completion confirmation unit 214, payment unit 215, notification unit 216 and an insurance processing unit 217.

Assuming that the delay payment server 110 is a computer terminal composed of a memory and a processor, each component 211 to 217 may be loaded into a memory in the form of a program and executed by a processor. For example, each component 211 to 217 is produced by a program including a set of instructions for providing a delayed payment service of the present invention, and then executed by a processor of the delayed payment server 110 to register a shipping number. Received, the registered shipping number can pay the buyer's payment to the seller in accordance with the service policy.

The registration unit 211 registers a shipping number and a courier service of a product sent from a seller terminal to a buyer from the seller terminal 130 and stores it in a DB. The seller connects to the courier company server 120 to apply for product delivery, and the courier service server 120 issues a delivery number to the seller. After the delivery number is issued, the delivery starts and the delivery person visits the seller's address and collects the goods, and the collected goods are delivered to the buyer's address, which is the final destination, through the distribution center of the delivery service.

The delivery start confirmation unit 212 accesses the courier service server 120 every set period (for example, one hour), and inquires delivery tracking information using the registered delivery number as a key. If the delivery start confirmation unit 212 inquires delivery tracking information corresponding to the loading or unloading information of the product from the courier company server 129, it is determined that the delivery of the product has started.

As the setting unit 213 determines that the delivery of the product has been started by the delivery start confirming unit 212, a setting process of generating an automatic payment date and time that is automatically paid to the seller based on a criterion set in the service policy is stored in a DB. do. For example, if it is confirmed that the delivery of goods is started on d day, the automatic payment date and time is set after d + 1 day.

Here, for the reliability and net function of the transaction, the automatic payment date and time is greater than the start date of delivery. Delaying payments to sellers to prevent fraud is a detriment to the interests of all sellers using online trading services. In addition, the fraud of the seller is a very small part, since the personal information based on the real name system, such as the membership registration information, mobile phone number of the seller is already stored in the delay payment server 110, even if the fraud of the seller is found to be responsible for the seller You can ask enough.

The delivery completion confirmation unit 214 accesses the courier service server 120 at each set cycle, and inquires the delivery tracking information of 'delivery completed' using the registered delivery number as a key. If the delivery start confirmation unit 212 inquires 'delivery complete', it is determined that the delivery of the goods is completed.

When the automatic payment date set by the setting unit 213 arrives, the payment unit 215 processes the payment by transferring the payment price of the late payment buyer to the seller's account.

Here, the payment unit 215 may process the payment after receiving the payment request from the seller terminal 130 and transferring it to the seller's account, after the completion of the delivery is confirmed by the delivery completion confirmation unit 214. .

The notification unit 216 notifies the purchaser terminal 140 of information on which the payment price of the buyer is paid to the seller by the processing of the payment unit 215.

The insurance processing unit 217 compensates the damages of the other side by insurance if one side of the seller and the buyer in the delayed payment service provided by the present invention inflicts the damage to the other side and does not compensate the damage of the other side. For example, when a seller disguises delivery as if a product is in an empty box, insurance money may be used to compensate for the purchaser's payment and process a refund. Of course, if the seller is inadvertently damaged by the buyer, the insurance can compensate for the damage of the seller. The seller and the buyer can purchase insurance provided by the delayed payment service of the present invention as needed.

Here, the funding of the insurance money can be collected in the following manner. First, when the seller applies for the delayed payment service of the present invention, it is possible that the basic premium of the seller is included in the service fee paid by the seller. If the delayed payment service of the present invention allows an optional service of promptly paying the purchaser's purchase price to the seller at the request of the seller during the period from the confirmation of the 'delivery completion' to the automatic payment date and time, the seller bears the above-mentioned burden. Additional premiums may be added to the seller's base premium. Next, when the buyer applies for the delayed payment service of the present invention, it is possible that the basic premium of the buyer is included in the service fee paid by the buyer. If, in the delayed payment service of the present invention, the buyer rejects the automatic payment date and time of the delayed payment service and permits the optional service in which the buyer's payment is paid to the seller only on the condition of acknowledging the purchaser's receipt, Additional premiums may be added to the buyer's base premium. At this time, the buyer who applied for the optional service is responsible for unilaterally delaying the payment to the seller while occupying the goods until receiving and confirming the goods, so it is reasonable to pay the responsibility cost in the name of the above additional insurance money. .

3 is an exemplary diagram of payment of an automatic payment and a seller request processed after the seller's delivery registration.

First, automatic payment processing according to the automatic payment date and time set by the setting unit 213 is as follows. On day D, registration unit 211 receives registration number from seller terminal 130 (①). Since the time of t1 has elapsed, the delivery start confirmation unit 212 inquires the delivery tracking information from the courier server 120 at D + t1 to confirm the start of delivery (②). As the start of delivery is confirmed by the delivery start confirming unit 212, the setting unit 213 generates and sets an automatic payment date of D + t2 days with reference to the service policy (③). After that, when the D + t2 day arrives, the payment unit 215 processes the payment of the buyer whose payment is delayed to the seller (6).

Next, even before the automatic payment date and time set by the setting unit 213, payment processing according to the seller's request is as follows. The above ① to ③ are the same as the automatic payment process. (3) After that, between the times of (2) and (3), the delivery completion confirmation unit 214 inquires the delivery tracking information from the courier company server 120 on D + t3 (4). As the delivery completion confirmation unit 214 confirms the completion of the delivery, the payment unit 215 receives the seller's payment request even before the automatic payment date and time, the payment process of the buyer to the seller (5).

In the above, the flow of time is a formula of D <D + t1 <D + t2 and D <D + t1 <D + t3. In addition, as the delivery completion date D + t3 is smaller than the automatic payment date and time D + t2, the settlement delay is minimized, thereby increasing the seller's profit. Preferably, the time points of D, D + t1, D + t3 and D + t2 may be the same day, but are preferably arranged for a time not exceeding 3 days at most.

4 is a flowchart in which the delay payment server 110 of FIG. 1 processes an automatic payment.

First, a buyer completes payment for a seller's goods between the seller terminal 130 and the purchaser terminal 140, thereby making an online transaction.

Thereafter, the seller starts the delivery of the product, the seller terminal 130 receives a delivery number issued by applying for delivery to the courier server 120 (S401). When the delivery number is issued, the registration unit 211 of the delay payment server 110 may receive the issued delivery number from the seller terminal 130 (S402).

When the delivery number is registered, the delivery start confirmation unit 212 periodically checks whether the delivery tracking information is registered by accessing the courier company server 120, and confirms the start of delivery when the delivery tracking information is inquired (S403).

When the start of delivery is confirmed, the setting unit 213 generates and sets an automatic payment date and time. Meanwhile, the setting unit 213 may generate and set an automatic payment date and time based on the registration of the delivery number in step 402.

When the automatic payment date arrives, the payment unit 215 pays the seller for the product price (S405). In addition, the notification unit 216 notifies the purchaser terminal 140 of the fact that the payment is completed to the seller (S406).

5 is a flowchart in which the delay payment server 110 of FIG. 1 processes a payment of a seller request. If the optional delayed payment service of the present invention, in which payment of the buyer's payment to the seller is allowed at the seller's request, after the completion of the delivery is confirmed in FIG. 4, the following procedure may be applied.

First, steps S401 to S404 of FIG. 4 are processed. Thereafter, the delivery completion confirmation unit 214 periodically accesses the courier company server 120 to confirm whether the delivery completion information is registered, and when the delivery completion information is inquired, the completion of delivery is confirmed (S501).

After the completion of the delivery is confirmed, the payment unit 215 pays the seller's product price to the seller by receiving a payment request from the seller terminal 130 (S502). In addition, the notification unit 216 notifies the purchaser terminal 140 of the fact that the payment is completed to the seller (S503).

Although the present invention has been described by way of limited embodiments and drawings, the present invention is not limited thereto, and the technical idea of the present invention and claims to be described below by those skilled in the art to which the present invention pertains. Of course, various modifications and variations are possible within the scope of equivalents.

100: system 110: delayed payment server
120: courier server 130: seller terminal
140: buyer terminal

Claims (12)

An apparatus for minimizing the late payment by using a shipping number while providing a delayed payment in which a payment of a buyer's payment is delayed to the seller,
A register that registers a shipping number generated by a seller's delivery request from a seller terminal;
Delivery start confirmation unit for confirming the start of delivery using the registered delivery number;
A setting unit for setting a date and time for which payment is automatically made to the seller based on the confirmed start information of the delivery; And
When the set date of the automatic payment arrives, the payment unit that pays the seller the payment amount of the buyer of the delayed payment
Apparatus comprising a. The method of claim 1,
The shipping number is generated by a courier company server is issued to the seller terminal, and after being registered by the seller in the register, characterized in that the shipping information corresponding to the buyer's request is inquired in the buyer terminal. The method of claim 1,
The delivery start confirmation unit,
Apparatus for checking the start of the delivery by inquiring the delivery tracking information by loading or unloading the goods from the courier server using the shipping number as a key. The method of claim 1,
Further comprising a delivery completion confirmation unit for confirming the completion of the delivery by inquiring the delivery completion information from the courier server using the delivery number as a key,
The payment unit, if the completion information of the delivery is confirmed, even before the date of arrival of the automatic payment, the device characterized in that the payment of the payment of the buyer of the delay payment to the seller at the request of the seller terminal. The method of claim 1,
The payment unit further comprises a notification unit for notifying the seller of the completion information of the payment when the payment is completed, the seller to the seller. The method of claim 1,
After the payment is completed in the payment unit to the seller, if the refund requested by the buyer due to the seller's responsibility, it is characterized in that it further comprises an insurance processing for processing the refund to the buyer with the insurance money of the insurance product subscribed Device. A method of minimizing the late payment by using a shipping number, wherein the device provides a delayed payment in which a purchaser's payment to the seller is delayed.
Receiving a shipping number generated by the seller's delivery application from the seller terminal;
Confirming the start of delivery using the registered delivery number;
Setting a date and time for which payment is automatically made to the seller based on the confirmed start information of the delivery; And
When the date of the set automatic payment arrives, payment of the buyer's payment of the delayed payment to the seller
Method comprising a. The method of claim 7, wherein
Since the shipping number is generated by the courier company server in the step of registering and issued to the seller terminal, and registered by the seller,
The shipping information corresponding to the buyer's request is characterized in that the query in the buyer terminal. The method of claim 7, wherein
The checking step,
Checking the start of the delivery by inquiring delivery tracking information by loading or unloading goods from a courier server using the delivery number as a key. The method of claim 7, wherein
Querying delivery completion information from a courier server using the delivery number as a key, and confirming completion of delivery;
The payment may include, when the completion information of the delivery is confirmed, even before the date of the automatic payment arrives, at the request of the seller terminal, payment of the buyer's payment for the delayed payment to the seller. How to. The method of claim 7, wherein
And in the payment step, notifying the seller terminal of the completion information of the payment when the payment is completed to the seller. The method of claim 7, wherein
After the payment is completed to the seller in the payment step, if the refund requested by the buyer is not possible due to the seller's responsibility, further comprising the step of refunding the buyer with the insurance money of the insurance product subscribed Way.

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