KR20200066269A - Product payment system that provides prepayment function using electronic cash - Google Patents

Abstract

Disclosed is a product payment system providing a prepayment function using electronic cash. The product payment system providing a prepayment function using electronic cash according to the present invention includes: a receiving unit that receives a product purchase request signal from a purchaser terminal; a processing unit extracting purchase information and payment information included in a received product purchase request signal, comparing the end date of the period of use among valid electronic cash to identify first electronic cash of which the end date is in a predetermined period, and processing electronic payment by part or all of the product price included in the purchase information after verifying the validity of the electronic cash included in the payment information; and a storage unit for storing second electronic cash minus the first electronic cash from the valid electronic cash.

Description

Product payment system that provides prepayment functions using electronic money{PRODUCT PAYMENT SYSTEM THAT PROVIDES PREPAYMENT FUNCTION USING ELECTRONIC CASH}

The present invention relates to a product payment system, and more particularly, to a product payment system that provides a prepayment function using electronic money.

Electronic money is not a real money, but means a payment means that has an exchange value in the real economy at an equivalent or constant rate to real money. Virtual money, which is a recent issue, is also used as an exchange means in the real world, so it can be considered as a kind of electronic money.

The electronic money is classified into an extinguishing electronic money that can be used only for a specified period of time and a non-extinguishing electronic money that has no fixed period of use. Non-destructible electronic money that has recently emerged is an example of a typical non-destructive electronic money, such as virtual currency, for example, Bitcoin, Ethereum, etc. in which the issuer of the currency has not set the period of use of the currency.

On the other hand, extinguishing electronic money is credited to card members by a card company at a certain rate depending on the performance of credit card use, carrier points given by a carrier according to the member's class, and airlines are assigned according to the flight distance of the passenger. Aviation mileage, welfare points granted to employees by public institutions or companies, etc. are examples of decayable electronic money with a fixed period of use.

The period of use of such extinguishing electronic money is fixed, and when the period of use has elapsed, it can no longer be used as a payment method. Due to the limitation of the period of use, when the eradication electronic money is imminent, it cannot be used in accordance with the required purpose, and the value of the electronic money is destroyed.

In order to solve such a problem, there is a need to develop a new type of product payment system that differentially pays for a product by using a decayable electronic currency depending on whether or not the expiration period has arrived.

Patent Document 1: Registered Patent No. 10-1211139 (Dec. 05, 2012) Patent Document 2: Published Patent No. 10-2015-0071073 (2015. 06. 26.) Patent Document 3: Published Patent No. 10-2015-0112130 (2015. 10. 07.)

The present invention devised by the above-mentioned necessity enables electronic money to be used before the extinction period expires, reduces the financial burden of the buyer by pre-paying a portion of the price of the product, and reduces the financial burden of the buyer, and the seller makes the purchase reservation. It is an object of the present invention to provide a product payment system that provides a prepayment function using electronic money that enables both the purchaser and the seller to sell and sell goods with confidence, through which the product can be prepared and delivered in a timely manner.

In order to achieve the above object, a product payment system that provides a prepayment function using electronic money according to an embodiment of the present invention includes a reception unit for receiving a product purchase request signal from a purchaser terminal, and the received product purchase request signal After extracting the purchased purchase information and payment information, verifying the validity of the electronic money included in the payment information, and comparing the end date of the usage period among valid electronic money to identify the first electronic money belonging to the predetermined period of the end date And a processing unit for processing electronic payments in part or all of the product price included in the purchase information by the first electronic money, and storing the second electronic money obtained by subtracting the first electronic money from the effective electronic money. It includes a storage unit.

In this case, the processing unit processes a part of the product price as a prepayment by the amount of electronic money predetermined by the user included in the payment information, and is predetermined by the user for the balance of the product price Electronic payment for the balance is processed at the time of payment completion.

In this case, the processing unit analyzes the payment information to identify the type of payment method selected by the user, and the electronic money whose period of use has been determined as the identified payment means, electronic money whose period of use has not been determined, cash and credit When identified by at least one of the cards or a combined payment method, payment is processed based on the identified payment method.

In this case, if it is determined that the predetermined payment completion time has elapsed, the processing unit, electronic money having validity among the electronic money for which the period of use has been determined, electronic money for which the period of use has not been determined, the cash, and the credit card For refund processing.

In this case, the processing unit performs settlement processing to provide to the product seller for electronic money that has lost validity among the electronic money for which the usage period is set.

Meanwhile, the processing unit further includes a transmission unit that generates a message requesting the payment of the payment to the buyer terminal before the predetermined payment completion time, and transmits the message to the buyer terminal.

On the other hand, the receiving unit receives information on the prepayment amount from the seller terminal, and the processing unit analyzes the information on the prepayment amount received from the seller terminal and pays more than the prepayment amount by the first electronic money. In this case, the electronic payment is processed.

Meanwhile, the receiving unit receives information on the predetermined payment completion timing from the seller terminal, and the processing unit receives the product when the electronic payment for the balance is completed at a time included in the predetermined payment completion timing range. The contract completion information for transmission to the seller terminal of the seller is generated.

In this case, the processing unit generates a message for notifying the purchaser terminal that the payment processing is not completed when the electronic payment that has passed the predetermined payment completion time is requested, and performs settlement processing on the prepaid amount.

Meanwhile, the processing unit completes the payment processing with the seller terminal for the prepaid amount, subtracts the amount of the first electronic money from the buyer terminal, and generates information on the final electronic money to generate the purchaser terminal. Transfer to.

According to various embodiments of the present invention, by purchasing an article using an extinguishing electronic money to induce use before the extinction of the electronic money to prevent the electronic money from disappearing in advance,

The monetary burden is reduced by the purchaser paying part or all of the price of the goods using extinguishing electronic money,

The purchaser prepays the goods using volatile electronic money, so that the buyer and the seller can reliably trade the goods.

1 is a view illustratively illustrating a payment system using electronic money according to an embodiment of the present invention,
2 is a view for explaining the pre-payment function by a product payment system that provides a pre-payment function using electronic money according to an embodiment of the present invention by way of example,
3 is a view illustratively illustrating signal information exchanged between a purchaser terminal and a payment system according to an embodiment of the present invention;
4A to 4C are views exemplarily illustrating a user interface for setting up a prepayment in a buyer terminal and a seller terminal illustrated in FIG. 2;
5 is a view illustratively illustrating the product payment system shown in FIG. 3,
6 is a view for explaining the detailed configuration of the processing unit shown in Figure 5 by way of example, and
7 is a timing diagram exemplarily illustrating a product payment process according to another embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

1 is a view illustratively illustrating a payment system providing a prepayment function using electronic money according to an embodiment of the present invention. Referring to FIG. 1, a payment system (hereinafter referred to as a payment system) that provides a prepayment function using electronic money includes a plurality of purchaser terminals 100-1 to 100-n and a plurality of seller terminals 300-1 to 300-n). The plurality of buyer terminals 100-1 to 100-n are each connected to a payment system 200 using electronic money, and may use electronic money to pay the price of a product. In addition, a plurality of seller terminals (300-1 to 300-n) are each connected to the payment system 200 using electronic money, and when the user pre-pays a part of the product price using electronic money, purchase reservation for the product Recognize and proceed with product preparation.

A plurality of buyer terminals (100-1 to 100-n) is provided with a communication module that supports the Internet Protocol (Internet Protocol), such as a smart phone, tablet, desktop, laptop, and the payment system 200 and the remote by the communication module It communicates with and can perform product-related tasks such as checking product information, entering product purchase information, and entering payment information on a webpage of HTTP (HyperText Transfer Protocol) provided by the payment system 200. After the plurality of purchaser terminals 100-1 to 100-n install a product purchase-only application distributed by the payment system 200 in advance, the purchaser performs a product purchase and payment service using a dedicated application. You may.

The plurality of merchant terminals 300-1 to 300-n may be configured as server-side devices such as workstations and server computers in addition to client-side devices such as smartphones, tablets, desktops, and laptops. The plurality of merchant terminals (300-1 to 300-n) are also equipped with a communication module that supports the Internet protocol, and a communication system that can remotely communicate with the payment system 200 by the communication module and connect to the network ( In the webpage of the HTTP (HyperText Transfer Protocol) provided by 200), it is possible to perform work related to product sales, such as registering product information and entering delivery information. After the plurality of seller terminals 300-1 to 300-n have previously installed a product purchase-only application distributed by the payment system 200, the seller performs a product sale and delivery service using a dedicated application. You may.

The payment system 200 is connected to a plurality of buyer terminals 100-1 to 100-n and a plurality of merchant terminals 300-1 to 300-n, respectively, and also a plurality of buyer terminals 100-1 to 100-n. n) and performs a role of relaying a plurality of merchant terminals 300-1 to 300-n.

The payment system 200 may provide a web page corresponding to a request from the client side because a server-side operating system is installed, and collect and store information entered by the client side into a database and store it. The payment system 200 provides product information already provided by the seller terminal 300 to the buyer terminal 100 in response to a product information confirmation request signal transmitted from the buyer terminal 100. In addition, the payment system 200 may perform purchase reservation processing, purchase completion processing, and the like in response to a product purchase request signal transmitted from the purchaser terminal 100. In addition, the payment system 200 may transmit a signal such as a product preparation request and a product delivery request to the seller terminal 300 as a follow-up action according to the purchase reservation processing and the purchase completion processing. In addition, the payment system 200 may receive information on product preparation completion and product delivery completion from the seller terminal 300, and then transmit reservation completion and delivery completion information to the buyer terminal 100 based on the received information. have.

At this time, when the payment system 200 receives a request to use the decayable electronic money for payment of goods from the purchaser terminal 100, it verifies the validity of the electronic money and determines whether it can be used as an electronic money, and then prepaid processing Run The process of executing the prepayment process will be described below with reference to a separate drawing.

2 is a view for explaining the pre-payment function by a product payment system that provides a pre-payment function using electronic money according to an embodiment of the present invention by way of example. Referring to FIG. 2, the payment system 200 receives a prepayment request signal from the purchaser terminal 100. Here, the prepayment request signal means a purchase request signal that selects a prepayment function in a purchasing step for a specific product. The process of selecting the prepayment function will be separately described below.

Upon receiving the prepayment request signal, the payment system 200 transmits a reservation request signal to the seller terminal 300 selling the corresponding product. Here, the reservation request signal is a signal for requesting a buyer's purchase reservation for a specific product to the seller. This reservation request signal is not simply a request for a purchase reservation, but a portion of the product amount has already been paid, so it can be regarded as a temporary purchase agreement in which the purchase contract is completed by paying only the balance.

In the present invention, when a purchase is not completed by paying a part of the sales amount of the corresponding product by using a volatile electronic currency for purchase reservation, it can be provided as a penalty to the seller. When the buyer pays the remainder of the sale price of the product, the purchase is completed, and the seller must ship the product to the buyer. If, in the event that the seller cannot provide the product, the already paid electronic money has been paid in real money to the seller, the volatile electronic money is effectively used, so even if the purchase of the product is not completed, the seller may You can return a certain penalty.

For example, by using electronic money whose expiration date expires on December 31, 2016, 100,000 won, which is 10% of the product price on November 1, 2016, is prepaid, and the product balance remains until January 31, 2017 specified by the buyer. If you pay 90,000 won, which is 90%, the seller delivers the product to the buyer after January 31, 2017.

In the above example, if the buyer post-pays 90% of the product balance by January 31, 2017, but the seller is unable to deliver the product to the buyer, the seller must pay the buyer a predetermined penalty, including the prepayment amount.

Conversely, if the purchase is not completed due to the buyer's fault, the electronic money that has expired during the use of the electronic money that has not been used will not be returned, and some penalty will be paid for the electronic money that has been used. The balance is returned to the buyer after being deducted from.

If the purchase is not completed without the buyer's fault, the electronic money used in the prepayment may be returned to the purchaser if the electronic money used in the prepayment is within the use period. At this time, depending on the terms of the purchase contract (cancellation conditions due to time, reason, etc.), some of the fees are deducted and the remaining amount can be returned to the buyer.

If the e-money used for prepayment has passed the period of use if the purchase is not completed without the buyer's fault, the pre-used electronic money cannot be returned to the purchaser. If used. For example, in the case of cash or credit card, it may be returned according to the cancellation procedure of the corresponding payment method.

Upon receiving the prepayment request, the payment system 200 generates a reservation request signal and transmits it to the seller terminal 300. At this time, the reservation request signal means reservation information composed of information of a property that can be provided to the seller among purchase information, product information, and payment information.

The payment system 200 receives product preparation information from the seller terminal 300. The payment system 200 generates reservation completion information and transmits it to the purchaser terminal 100 when receiving the product preparation information with the intention of selling the product from the seller terminal 300.

According to the same procedure as the payment request process described above, the purchaser terminal 100 transmits a balance payment request to the payment system 200, and the payment system 200 transmits a contract request signal to the seller terminal 300, and the payment system When receiving the delivery information, 200 generates contract completion information and transmits it to the purchaser terminal 100. After this procedure is completed, the product may be delivered from the seller side to the buyer side.

3 is a view for explaining the signal information exchanged between the buyer terminal and the payment system according to an embodiment of the present invention by way of example. Referring to FIG. 3, the purchaser terminal 100 transmits a first signal to the payment system 200. The first signal is a request signal related to product purchase, such as a request for product information, a pre-payment request, and a post-payment request. Conversely, the payment system 200 transmits a second signal to the buyer terminal 100. The second signal is mainly a signal corresponding to the first signal, and is a product information signal corresponding to a product information request signal, a reservation completion signal corresponding to a prepayment request signal, and a contract completion signal corresponding to a postpayment request signal. In addition, a signal related to product purchase can be exchanged between the purchaser terminal 100 and the payment system 200.

4A to 4C are views exemplarily illustrating a user interface for setting up a prepayment in a buyer terminal and a seller terminal illustrated in FIG. 2. Referring to FIG. 4A, the buyer executes an application pre-installed in the terminal 100 or a web browser to display a user interface on a product purchase procedure provided by the payment system 200 on the display 110 (FIG. 4a on the left).

Among the user interfaces displayed on the display 110, a configuration capable of selecting a general payment method and a prepayment method is displayed in connection with payment. When the user clicks on the prepayment (Click_1), a screen for executing the prepayment procedure is displayed (right view in FIG. 4A).

On the screen for executing the prepayment procedure, a menu (Menu_1) including an area for selecting the type of prepayment and an area for selecting postpayment execution after prepayment is displayed. The purchaser can execute the prepayment using the extinguishing electronic money, and the period of the postpayment can be set arbitrarily. For example, after selecting a prepayment using points, a time period for postpayment may be set as year, month, or day. Here, the point is the same concept as the above-mentioned electronic money.

Referring to FIG. 4B, the seller executes an application pre-installed in the terminal 300 or a web browser to display a user interface on a prepayment amount among the product purchase settings provided by the payment system 200 on the display unit 110. (Fig. 4B, left).

The user interface displayed on the display unit 110 displays an item for setting a minimum payment amount and an item for setting a payment completion time. When the user clicks (Click_2) the item for setting the minimum payment amount of the prepayment, a screen for setting the minimum amount of the prepayment is displayed (right view in FIG. 4B).

On the screen for setting the minimum amount of prepayment, a menu item (Menu_2) for setting the minimum amount of prepayment is displayed. The seller may set a prepayment ratio of less than 10%, less than 10% to 30%, less than 30% to 50%, and more than 50% in relation to the amount of the prepayment. The seller can set a minimum payment amount for each product that can execute a prepayment using volatile electronic money.

Referring to FIG. 4C, the seller executes an application pre-installed on the terminal 300 or a web browser to display a user interface for setting a payment completion timing of prepayment among product purchase settings provided by the payment system 200 ( 110) (left view in FIG. 4C).

The user interface displayed on the display unit 110 displays an item for setting a minimum payment amount and an item for setting a payment completion time. When a user clicks (Click_3) an item to set a payment completion time for payment completion after prepayment, a screen for setting a payment time for balance payment after prepayment is displayed (right view in FIG. 4C).

On the screen for setting the timing of the balance payment, a menu item (Menu_3) for setting the payment timing is displayed. The seller can select the setting for the payment timing by selecting an option within 7 days after the prepayment, within 14 days after the prepayment, and within 30 days after the prepayment in relation to the balance payment timing. In addition, it is possible to set a period of 30 days or more, and it can be set on a monthly basis.

FIG. 5 is a view for explaining the product payment system illustrated in FIG. 3 by way of example. Referring to FIG. 5, the product payment system 200 includes a reception unit 210, a processing unit 230, a storage unit 250, and a transmission unit 270. Depending on the embodiment, the receiver 210 and the transmitter 270 may be implemented integrally. The receiver 210 receives various signals related to product purchase from the purchaser terminal 100. Here, the various signals are signals corresponding to the first signal described in FIG. 3.

The processing unit 230 is a component that analyzes and processes signals received from the buyer terminal 100 and/or the seller terminal 300. The processing unit 230 may extract purchase information and payment information included in the product purchase request signal received from the purchaser terminal 100. The processing unit 230 may verify the validity of the electronic money included in the payment information. The processing unit 230 compares the end date of the usage period among valid electronic money and identifies the first electronic money belonging to the predetermined period. Here, the first electronic money means an electronic money with an end of use period. The processing unit 230 processes electronic payments in part or all of the product price included in the purchase information by first electronic money. The payment processing process using electronic money is not essential in understanding the present invention, so a detailed description thereof will be omitted.

The storage unit 250 stores the second electronic money obtained by subtracting the first electronic money from the valid electronic money. The storage unit 250 also stores information on the rack details. The storage unit 250 may store electronic money information, transaction history information, buyer information, seller information, and the like in a remote distributed storage.

The transmission unit 270 includes a transmission module conforming to a transmission protocol that transmits various signals processed by the processing unit 230 to the buyer terminal 100 and/or the seller terminal 300. The transmitter 270 transmits the payment completion request message generated by the processor 230 to the purchaser terminal 100. The transmission unit 270 transmits the delivery completion request message generated by the processing unit 230 to the seller terminal 300. In addition, the transmitter 270 transmits various signals to the buyer terminal 100 and/or the seller terminal 300.

6 is a view for explaining the detailed configuration of the processing unit shown in FIG. 5 by way of example. The processing unit 230 illustrated in FIG. 5 includes a validation module 231, a determination module 233, a payment processing module 235, and a message generation module 237.

The validation module 231 verifies validation of payment means among payment information received from the purchaser terminal 100. That is, when information about the electronic money is extracted from the payment information, the information values included in the electronic money information are compared with values stored in a validation server (not shown) to verify the validity of the electronic money. At this time, the validity period, usage history, balance, etc. of the electronic money are confirmed through the validity of the electronic money.

When the validity is recognized among the electronic moneys verified by the validity verification module 231, the determination module 233 compares the use period of the electronic money with a reference value to determine whether the use period is an electronic money with a predetermined use period or an electronic money with no use period. It is judged first. And, if the period of use is a predetermined electronic money, the electronic money is classified as the first electronic money if it falls within a certain standard range according to the order in which the end date of the use period arrives based on the judgment time. For example, assuming that the current time is March 25, 2018, and the electronic money A having an end date of December 31, 2018 and the electronic money B having an end date of June 30, 2018 exist, the determination module (233 ) Determines the B electronic money that ends on June 30, 2018, which is a near future time from March 25, 2018, as the first electronic money (electronic money with an imminent expiration date).

When the user selects a prepayment, the payment processing module 235 preferentially uses the first electronic money as a payment method for the prepayment. For example, if the amount of the prepayment is 100,000 won and the first electronic money is 200,000 won, the entire amount of the prepayment is settled in the first electronic money. Here, the payment processing refers to a process in which a part of the product price is settled, but payment is completed by the corresponding amount in the same way as the entire amount is settled. However, depending on the type of electronic money, the electronic money may be temporarily used for prepayment, or when the balance is settled, payment may be processed as a whole. The payment processing module 235 follows the internet (web) payment process as a payment processing method.

The message generation module 237 generates various messages related to product purchase in the buyer terminal 100 and the seller terminal 300. The message generation module 237 generates a message regarding an event that occurs during the purchase procedure. For example, when a pre-payment is completed after a request for purchasing a product from the purchaser terminal 100, a pre-payment completion message is generated. Alternatively, when product delivery is completed at the seller terminal 300, a message related to product delivery is generated.

7 is a timing diagram exemplarily illustrating a product payment process according to another embodiment of the present invention. Referring to FIG. 7, the purchaser terminal 100 transmits a purchase request signal for the corresponding product based on the product purchase information provided by the payment system 200 (S701 ). According to another embodiment, in the payment system 200, the purchase site may be constructed as a separate physical server and operated as a separate website.

When operating the own purchase site, the payment system 200 may analyze the purchase request signal transmitted from the purchaser terminal 100 at the purchase site and perform purchase and payment steps, respectively. However, this series of procedures does not necessarily occur over a time gap, and a payment request may be processed simultaneously with a purchase request. Although it is illustrated in FIG. 7 that the prepayment processing (S702) is performed, the purchase request processing may be performed simultaneously or in advance with the prepayment processing (S702). In the prepayment processing (S702), a process of prepayment of a part of the product price using electronic money is performed. Among the electronic money that has been approved for validity, electronic money with an imminent use period is preferentially used as electronic money for prepayment.

When the prepayment is completed, the payment system 200 transmits the reservation completion information to the seller terminal 300 (S703). The transmission of the reservation completion information is a procedure that is executed after the prepayment is completed, after the prepayment is notified to the seller terminal 300, and the seller terminal 300 also agrees to sell the product. After the step S703, the seller terminal 300 may execute preparation for delivery of the product.

The payment system 200 transmits a contract completion request signal requesting the completion of the contract to the buyer terminal 100 at an early time when the balance payment date specified by the buyer is expected to arrive at the time of prepayment (S704).

After the purchaser terminal 100 accesses the payment system 200 and transmits a balance payment request signal (S705). When the balance payment is completed, the purchase contract for the product is finally completed.

The payment system 200 generates contract completion information as a message signal and transmits it to the seller terminal 300 (S706). At this time, the contract completion information may include a content that the buyer finally requests for delivery of the product by paying the balance.

After receiving the contract completion information, the seller terminal 300 delivers the corresponding product based on the contract completion information. After the product is delivered, the seller terminal 300 transmits the product shipment information to the payment system 200 (S707).

After receiving the product shipment information, the payment system 200 generates delivery information and transmits it to the buyer terminal 100 (S708). When the transaction is completed, the payment system 200 generates information on the transaction details related to the transaction and stores it in a local storage, and simultaneously encrypts and stores the information on the transaction details in a remote distributed storage (S709).

On the other hand, that all components constituting the embodiments of the present invention are described as being combined or operated as one, the present invention is not necessarily limited to these embodiments. That is, within the scope of the present invention, all of the constituent elements may be selectively combined and operated. In addition, all of the components may be implemented by one independent hardware, but a part or all of each component is selectively combined to perform a combined function of some or all functions in one or a plurality of hardware. It may be implemented as a computer program having a. The codes and code segments constituting the computer program can be easily deduced by those skilled in the art of the present invention. Such a computer program is stored in a computer-readable non-transitory computer readable media and read and executed by a computer, thereby realizing an embodiment of the present invention.

Here, the non-transitory readable recording medium means a medium that stores data semi-permanently and that can be read by a device, rather than a medium that stores data for a short time, such as registers, caches, and memory. . Specifically, the above-described programs may be stored and provided on a non-transitory readable recording medium such as a CD, DVD, hard disk, Blu-ray disk, USB, memory card, ROM, and the like.

Although the preferred embodiments of the present invention have been illustrated and described above, the present invention is not limited to the specific embodiments described above, and it is usually in the technical field to which the present invention pertains without departing from the gist of the present invention as claimed in the claims. It is of course possible to perform various modifications by a person having knowledge of, and these modifications should not be individually understood from the technical idea or prospect of the present invention.

100: buyer terminal
200: payment system that provides a prepayment function using electronic money
210: receiver
230: processing unit
231: validation module
233: judgment module
235: payment processing module
237: Message generation module
250: storage unit
270: transmitter
300: seller terminal

Claims (10)

Receiving unit for receiving a product purchase request signal from the buyer terminal;
After extracting the purchase information and payment information included in the received product purchase request signal, verifying the validity of the electronic money included in the payment information, and comparing the end date of the usage period among valid electronic money, the end date is determined A processing unit for identifying a first electronic money belonging to a period and processing electronic payment by part or all of the product price included in the purchase information by the first electronic money; And
A product payment system that provides a prepayment function using electronic money, including a storage unit that stores a second electronic money obtained by subtracting the first electronic money from the effective electronic money. According to claim 1,
The processing unit processes a part of the product price as a pre-payment by the amount of electronic money predetermined by the user included in the payment information, and completes a predetermined payment by the user for the balance of the product price Product payment system that provides a prepayment function using electronic money, characterized in that the electronic payment for the balance at the time. According to claim 2,
The processing unit analyzes the payment information, identifies the type of payment method selected by the user, and uses at least one of electronic money, a cash period, and a credit card whose usage period has not been determined as the identified payment means. When identified by the above or a combination of these payment means, a product payment system that provides a prepayment function using electronic money, characterized in that the payment is processed based on the identified payment means. According to claim 3,
If it is determined that the predetermined payment completion time has elapsed, the processing unit processes a refund for electronic money having validity among the electronic money for which the period of use has been determined, electronic money for which the period of use has not been determined, the cash, and the credit card Product payment system that provides a pre-payment function using electronic money, characterized in that. According to claim 4,
The processing unit, a product payment system that provides a prepayment function using electronic money, characterized in that for the electronic money of the predetermined period of use is settled processing provided to the product seller for the electronic money that has lost effectiveness. According to claim 2,
The processing unit generates a message requesting payment completion to the buyer terminal before the predetermined payment completion time,
Product payment system that provides a pre-payment function using electronic money, characterized in that it further comprises a transmitter for transmitting the message to the buyer terminal. According to claim 2,
The receiving unit receives information about the prepayment amount from the seller terminal,
The processing unit analyzes the information on the prepayment amount received from the seller terminal, and processes the electronic payment when the prepayment amount or more is paid by the first electronic money. Product payment system that provides. According to claim 2,
The receiving unit receives information about the predetermined payment completion time from the seller terminal,
When the electronic payment for the balance is completed at a time included in the predetermined payment completion time range, the processing unit generates contract completion information for transmitting to the seller terminal selling the product. A product payment system that provides prepayment functions. The method of claim 8,
The processing unit generates a message for notifying the purchaser terminal that the payment processing is not completed when the electronic payment that has passed the predetermined payment completion time is requested, and performs settlement processing for the prepaid amount. A product payment system that provides a prepayment function using electronic money. The method of claim 9,
The processing unit completes the payment processing with the seller terminal for the prepaid amount, subtracts the amount of the first electronic money from the buyer terminal, generates information about the final electronic money and transmits it to the buyer terminal Product payment system that provides a pre-payment function using electronic money, characterized in that.

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