KR20210143692A - Method, server and system for payment using instant message - Google Patents

Abstract

A payment method using an instant message in a payment server according to an embodiment of the present invention comprises the steps of: receiving order information for a product or a service to be paid for from a merchant server; receiving information of a payer corresponding to order information input through a web page of a seller; determining whether the received information of the payer matches a previously stored payer's subscription information; requesting the instant message server to transmit an instant message for accepting a payment for a product or service to a payment terminal corresponding to the subscription information when it is determined that the information of the payer and the subscription information match; and receiving payment information for goods or services from the payment terminal when the payment terminal accepts the payment. Herein, the information of payer includes at least one of the payer's phone number or the payer's chat service ID, and payer identification information. The subscription information includes at least one of the payer's phone number or the payer's chat service ID and payer identification information. According to the present invention, a payment for goods or services sold on a seller's web page may be performed on a payer's payment terminal.

Description

Payment method, server and system using instant message {METHOD, SERVER AND SYSTEM FOR PAYMENT USING INSTANT MESSAGE}

The present invention relates to a payment method using an instant message, a server, and a system.

With the recent activation of online e-commerce, various payment methods are provided to payers. In addition, as mobile devices such as smart phones are widely distributed, when a payer wants to pay for goods or services of a seller through a payment method and intends to make a payment, the payment can be made through the mobile device.

On the other hand, in the existing payment method using a mobile device, when a payer requests a payment on the Internet using a mobile phone number on the seller's website, authentication information is received by a mobile terminal corresponding to the mobile phone number, and the received authentication information is Payment is made by re-entering the seller's site.

In order to strengthen the security of such existing mobile payment methods, a method that requires additional authentication procedures such as SMS or QR code scanning is also being performed, but there is a problem that the user's convenience is reduced when paying for goods or services due to the complicated authentication procedure. there was.

As a prior art for such a payment method, Korean Patent Application Laid-Open No. 10-2014-0095260 (Title of the Invention: Hybrid payment system and payment method on a mobile terminal based on a merchant QR code) is a mobile terminal of the merchant's QR code. Disclosed is a technology that enables payment through recognition and approval procedures for a mobile terminal.

Some embodiments of the present invention provide a payment method, server and provide the system.

However, the technical task to be achieved by the present embodiment is not limited to the technical task as described above, and other technical tasks may exist.

As a technical means for achieving the above technical problem, a payment method using an instant message in a payment server according to a first aspect of the present invention comprises the steps of: receiving order information for a product or service to be paid from a seller server; receiving information of a payer corresponding to order information input through a web page of a seller; determining whether the received payer's information matches the previously stored payer's subscription information; requesting the instant message server to transmit an instant message for accepting payment for a product or service to a payment terminal corresponding to the subscription information when it is determined that the payer's information and the subscription information match; and when the payment terminal accepts the payment, receiving payment information about the product or service from the payment terminal. In this case, the payer information includes at least one of the payer's phone number or the payer's chat service ID and the payer's identification information, and the subscription information includes at least one of the payer's phone number or the payer's chat service ID and the payer's identification information. include

In addition, the payment server for performing payment using an instant message according to the second aspect of the present invention is a payment server for performing payment using an instant message, and includes a communication module, a product, or It includes a memory in which a program for payment of a service is stored and a processor for executing the program. At this time, the communication module receives order information for goods or services to be paid from the seller server, receives information on the payer corresponding to the order information input through the seller's web page, and as the processor executes the program, Instant message to determine whether the received payer's information matches the previously stored payer's subscription information When a request is made to the server and the payment terminal accepts the payment, payment information for goods or services is received from the payment terminal through the communication module, and the payer information includes at least one of the payer's phone number or the payer's chat service ID and It includes identification information of the payer, and the subscription information includes at least one of a phone number of the payer or a chat service ID of the payer, and identification information of the payer.

In addition, a payment system using an instant message according to a third aspect of the present invention is a payment system using an instant message, comprising: a payment terminal; Merchant Server; and a payment server that performs payment for goods or services sold by the seller server through the payment terminal, and an instant message server that transmits and receives instant messages to and from the payment terminal. At this time, the payment server receives order information for a product or service to be paid for from the seller server, receives information on the payer corresponding to the order information input through the seller's web page, and receives the information of the payer and the pre-stored information It is determined whether the subscription information of the payer matches, and if it is determined that they match, the instant message server is requested to transmit an instant message for accepting payment for goods or services to the payment terminal corresponding to the subscription information, and the payment terminal When payment is accepted, payment information for goods or services is received from the payment terminal, and the instant message server transmits an instant message for accepting payment to the payment terminal in response to the request, but the payer's information is the payer's phone number or at least one of the payer's chat service ID and the payer's identification information, and the subscription information includes at least one of the payer's phone number or the payer's chat service ID and the payer's identification information.

According to any one of the above-described problem solving means, the present invention can make a payment for a product or service on a payment terminal by simply inputting information on the seller's web page without a separate authentication procedure such as SMS or QR code scanning. .

In addition, the present invention can prevent an erroneous payment request that may occur only by inputting a phone number through comparison of the payer's identification information and subscription information in addition to the payer's phone number.

Accordingly, high security can be expected because the present invention does not compare passwords or other payment information on a web page.

1 is a block diagram illustrating a payment system using an instant message according to an embodiment of the present invention.
2 is a flowchart of a payment method using an instant message according to an embodiment of the present invention.
3 is a diagram for explaining a step of subscribing to a simple payment service using an instant message.
4 is a diagram illustrating an example in which an orderer selects a payment method on a web page of a seller.
5 is a diagram illustrating an example in which an orderer inputs information of a payer on a web page of a seller.
FIG. 6(a) is a diagram illustrating an example of an instant message for payment acceptance received in a payment terminal, and FIG. 6(b) is a diagram illustrating an example in which a payment module is executed in the payment terminal.
7 is a diagram illustrating an example in which an instant message indicating that payment has been completed is displayed in the payment terminal.
8 is a diagram illustrating an example in which a payment completion window is displayed on a web page of a seller.
9 is a block diagram illustrating a payment server according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those of ordinary skill in the art can easily implement them. However, the present invention may be embodied in many different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification, when a part "includes" a certain element, it means that other elements may be further included, rather than excluding other elements, unless otherwise stated.

First, the configuration of the payment system 1 using an instant message according to an embodiment of the present invention will be described.

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

The payment system 1 according to an embodiment of the present invention includes a seller server 10 , a payment terminal 20 , an order terminal 30 , an instant message server 100 , a payment server 200 , and a financial institution server 300 . may include.

In this case, each component constituting the payment system 1 shown in FIG. 1 may be connected through a network. The network refers to a connection structure in which information exchange is possible between each node, such as terminals and servers, and an example of such a network includes a 3rd Generation Partnership Project (3GPP) network, a Long Term Evolution (LTE) network. , WIMAX (World Interoperability for Microwave Access) network, Internet, LAN (Local Area Network), Wireless LAN (Wireless Local Area Network), WAN (Wide Area Network), PAN (Personal Area Network), Bluetooth (Bluetooth) networks, satellite broadcast networks, analog broadcast networks, Digital Multimedia Broadcasting (DMB) networks, and the like are included, but are not limited thereto.

The seller server 10 according to an embodiment of the present invention provides information on goods or services that the seller wants to sell through a web page online. When the orderer selects a product or service through the webpage of the seller server 10 and selects the payment method according to the present invention as a payment method, the seller server 10 displays an input window for inputting the payer's information on the webpage displayed on the When the orderer inputs the payer information in the input window displayed through the order terminal 30 , the payer information input by the orderer is transmitted to the payment server 200 by the order terminal 30 .

The payment terminal 20 may mean a terminal used by the payer to pay for a product or service selected by the orderer through the order terminal 30 . When the payer intends to pay for the product or service selected by the orderer on the web page, the payer may pay for the product or service selected by the orderer through the payment terminal 20 . At this time, the payment terminal 20 uses a chat room of a chatting application installed in the payment terminal 20 .

On the other hand, the orderer may be a user who selects a product or service through the seller's web page provided by the seller server 10 using the order terminal 30 and requests the payer to pay for the selected product or service. . In this case, the payer and the orderer may be the same user.

The order terminal 30 may refer to a terminal for an orderer to access a seller's web page to order a product. That is, the order terminal 30 is a terminal used by the orderer to order goods or services sold online.

The instant message server 100 provides a service for relaying messages in real time in a chatting application using data communication using a network such as the Internet. The instant message server 100 is connected to the payment server 200 , the payment terminal 20 , and the order terminal 30 through a network, and in response to the instant message transmission request from the payment server 200 , the payment terminal 20 ) to send an instant message to accept payment.

When the payment server 200 determines that the information of the payer input by the orderer through the order terminal 30 on the seller's webpage matches the pre-stored subscription information of the payer, the payment server 200 provides the payer's subscription information It requests the instant message server 100 to deliver an instant message for accepting payment to the payment terminal 20 corresponding to . Thereafter, the payment terminal 20 receives an instant message for accepting payment from the instant message server 100 . And when the payment is accepted through the instant message, the payment server 200 requests that the payment module be executed in the payment terminal 20 , and the payment terminal 20 proceeds with a procedure such as payment accordingly.

Meanwhile, the payer's information includes at least one of a payer's phone number or an ID of a chatting service and identification information of the payer. In addition, the payer's subscription information is information input by the payer upon subscription, and may include at least one of the payer's phone number or the ID of the chatting application installed in the payment terminal 20 and the payer's identification information. In this case, the chat service refers to a chat service provided by a chatting application installed in the payment terminal 20 .

In addition, the payer's identification information may include one or more of the payer's date of birth, keywords, a specific image, and a response corresponding to a query. However, the identification information of the payer is not limited thereto, and may include various information for identifying the payer.

When the payment server 200 receives order information for goods or services to be paid for from the seller server 10 , the payment server 200 requests payment information from the seller server 10 . In addition, the payment server 200 outputs an input window for inputting the payer's information on the seller's web page to the order terminal 30 . When payer information is input to the order terminal 30 by the orderer, the payment server 200 receives the payer information input from the order terminal 30 .

The payment server 200 determines whether the received payer information matches the previously stored payer's subscription information. If the determination results match, the payment server 200 requests the instant message server 100 to transmit an instant message for accepting payment for goods or services to the payment terminal 20 to the payment terminal 20 . When the payment terminal 20 accepts the payment through the received instant message, the payment server 200 receives payment information for a product or service from the payment terminal 20 . Then, the payment server 200 checks whether the payment information input to the payment terminal 20 matches the payment information corresponding to the payment card, and if they match, requests approval for the payment to the financial company server 300 . In this case, the payment information may be a password.

The subscription information finance company server 300 approves payment for goods or services in response to the payment approval request received from the payment server 200 .

On the other hand, the payment server 200 and the instant message server 100 are each operated on an independent server computer, or are mounted on the same server computer as a server program as shown in FIG. can be executed

In addition, the payment terminal 20 and the order terminal 30 according to an embodiment of the present invention may be user terminals that can access the payment server 200 and the instant message server 100 . For example, the payment terminal 20 is a wireless communication device that guarantees portability and mobility, that is, a Personal Communication System (PCS), a Global System for Mobile communications (GSM), a Personal Digital Cellular (PDC), and a Personal Handyphone System (PHS). , PDA(Personal Digital Assistant), IMT(International Mobile Telecommunication)-2000, CDMA(Code Division Multiple Access)-2000, W-CDMA(W-Code Division Multiple Access), Wibro(Wireless Broadband Internet) terminal, etc. may include a handheld-based wireless communication device of And the order terminal 30 may be implemented as a computer that can access the payment server 200 through a network. Here, the computer may include, for example, a laptop equipped with a web browser, a desktop, and a laptop.

Hereinafter, a payment method using an instant message in the payment server 200 according to an embodiment of the present invention will be described in detail with reference to FIGS. 2 to 3 .

2 is a flowchart of a payment method using an instant message according to an embodiment of the present invention.

In the payment method using an instant message according to an embodiment of the present invention, first, when an orderer orders a product or service on the seller's website through the order terminal 30 for ordering a product or service, the payment server 200 receives order information for goods or services to be paid for from the seller server 10 (S201).

That is, when the orderer selects a product or service to order on the seller's webpage through the order terminal 30 and selects the payment method according to the present invention as a payment method, the seller server 10 provides information about the product or service to be paid. The order information is transmitted to the payment server 200 (S201). In this case, the seller's web page is displayed on the order terminal 30 , and the order terminal 30 corresponds to a terminal different from the payment terminal 20 . For example, when the orderer accesses the seller's webpage through the PC, which is the order terminal 30, orders a product or service, selects simple payment as a payment method and requests payment from the payer, the payer Payment can be accepted via smartphone.

Next, the payment server 200 that has received the order information for the product or service to be paid requests the payer information from the seller server 10 ( S202 ). The seller server receiving the request for payer information from the payment server 200 requests to input the payer information to the order terminal 30 (S203). The order terminal 30 having received a request for input of payer information from the seller server 10 displays an input window on the seller's web page so that the orderer can input payer information (S205). The orderer may input information of the payer corresponding to the order information through the input window displayed on the order terminal 30 . Next, the payment server 200 receives the information of the payer corresponding to the order information input through the web page of the seller (S207). In this case, the payment server 200 may receive information about the payer corresponding to the order information directly from the order terminal 30 or through the seller server 10 .

Upon receiving the payer's information input in the input window displayed on the seller's web page (S207), the payment server 200 determines whether the received payer's information matches the previously stored payer's subscription information (S209). In this case, the payer's information includes at least one of a payer's phone number or an ID of a chatting service and identification information of the payer. In addition, the payer's subscription information is information input by the payer upon subscription, and includes at least one of the payer's phone number or the payer's chat service ID and the payer's identification information. In addition, the payer's identification information may include one or more of the payer's date of birth, a keyword, a specific image, and a response corresponding to a query. However, the identification information of the payer is not limited thereto, and may include various information for identifying the payer. In addition, the chat service may be a chat service provided by a chat application installed in the payment terminal 20 .

When it is determined that the payer's information and the previously stored payer's subscription information match, the payment server 200 transmits an instant message for accepting payment for goods or services to the payment terminal 20 corresponding to the payer's subscription information. It requests the instant message server 100 to do so (S211). In this case, the instant message may include an effective time for inquiring whether to accept the payment. After the payment terminal 20 receives the instant message including the effective time, when the effective time has elapsed, the payment server 200 may determine that the payment is not accepted.

On the other hand, when it is determined that the received payer's information and the previously stored payer's subscription information do not match, the payment server 200 transmits payment failure information to the seller server 10 (S210), and accordingly, the seller server ( 10) causes a payment failure window to be displayed on the seller's web page indicating that the payment has failed.

On the other hand, when the instant message server 100 transmits an instant message for payment acceptance to the payment terminal 20 (S213), the chat application installed on the payment terminal 20 is used for payment acceptance through a chat room with a virtual subject. You can provide instant messages. If a chat room with the virtual subject does not exist, a new chat room may be created, and if there is, a pre-created chat room may be used. In this case, the virtual subject in the chatting application may be a friend registered by the payer. The payment terminal 20 may receive a message from a virtual subject.

When the payment terminal 20 accepts the payment through the received instant message (S215), the payment server 200 receives payment information for a product or service from the payment terminal 20 (S217). Accordingly, the payment server 200 requests the payment terminal 20 to execute the payment module (S219), and the payment terminal 20 executes the payment module (S221). In this case, the payment module may be linked with the ID of the chatting application. When the payer inputs the password through the payment module, the payment terminal 20 transmits the input password to the payment server 200 (S223). In this case, the payment terminal 20 may additionally receive other payment information in addition to the password through the payment module.

The payment server 200 checks whether the password input in the payment terminal 20 matches the password corresponding to the payment card (S225), and if the password matches, request approval for payment to the financial company server 300 do (S227). When the financial company server 300 approves the payment in response to the payment approval request (S229) and transmits the payment approval result to the payment server 200 (S231), the payment server 200 completes the payment (S233) , and transmits the payment completion information to the seller server 10 (S235). Accordingly, a payment completion window may be displayed on the seller webpage of the order terminal 30 .

In addition, the instant message server 100 may request to transmit an instant message indicating that the payment for the product or service has been completed to the payment terminal 20 (S237), and accordingly, the instant message server 100 indicates that the payment has been completed. An instant message notifying may be transmitted to the payment terminal 20 (S239).

Meanwhile, when the payment server 200 receives order information for a product or service to be paid from the seller server 10 , the payment server 200 may check whether the payer has subscribed to a payment method corresponding to the payment server 200 . In addition, the payment server 200 may check whether the seller is an authenticated seller with respect to the payment means, and, if the seller is an authenticated seller, may receive order information from the seller server 10 . As described above, the payment method according to the present invention may further include a subscription procedure for using the simple payment service. A detailed process for this will be described with reference to FIG. 3 .

3 is a diagram for explaining a step of subscribing to a simple payment service using an instant message.

First, when accessing the interface for subscribing to the simple payment service (S301), the payment server 200 determines whether the payer is an existing subscriber (S303). As a result of the determination, if it is determined that the user is not a subscriber, the subscription is completed through a step of performing an authentication procedure (S305) and a step of setting a payment password (S311). In this case, the authentication procedure may be a step of confirming whether the payment terminal 20 is a terminal in the name of the payer (S307).

As a result of performing the authentication procedure, when it is determined that the payment terminal 20 is not a terminal in the name of the payer, the payment server 200 transmits a subscription failure result to the payment terminal 20 (S327). In this case, the payment server 200 may request the instant message server 100 to transmit an instant message indicating that only a terminal in the name of the user is a subscription target. And the payment server 200 displays a pop-up window asking whether to register additional information on the payment terminal 20 (S329). Accordingly, when the payer wants to subscribe to the simple payment service again, a simple payment subscription start page is displayed on the payment terminal 20 ( S341 , S301 ).

Meanwhile, after setting the payment password, the payment server 200 may perform a step for card registration (S321). Accordingly, a page for card registration is displayed on the interface of the payment terminal 20, and the payment server 200 checks whether the input payment card is a card in the name of the payer (S323). As a result of the check, if it is determined that the payment card is in the name of the payer, the card registration step is terminated (S325), and the subscription procedure is completed (S343).

On the contrary, when it is determined that the payment card is not the payment card in the name of the payer as a result of the check, the payment server 200 transmits a subscription failure result to the payment terminal 20 (S327). In this case, the payment server 200 may request the instant message server 100 to transmit an instant message indicating that only a payment card in the person's name is a subscription target. And the payment server 200 displays a pop-up window asking whether to register additional information on the payment terminal 20 (S329). Accordingly, when the payer wants to re-register the simple payment service, a simple payment subscription start page is displayed on the payment terminal 20 (S341, S301).

On the other hand, when the payment server 200 determines whether the payer has already subscribed or not, if it is determined that the payer is a registered subscriber, the payment server 200 displays a pop-up window to inquire whether a payment card is registered. (20) makes a request (S331). At this time, if a payment card is not registered, a pop-up window indicating that there is no registered card is displayed in the payment terminal 20 (S333), and the page is switched to a card registration page (S321).

On the other hand, if a payment card is registered and a payment card is to be added, a card registration page is displayed on the payment terminal 20 ( S321 ).

Meanwhile, in the description of FIGS. 2 to 3 , each step may be further divided into additional steps or combined into fewer steps according to an embodiment of the present invention. In addition, some steps may be omitted as necessary, and the order between steps may be changed.

Hereinafter, an example of a series of processes of a payment method according to an embodiment of the present invention described with reference to FIG. 2 will be described with reference to FIGS. 4 to 8 .

4 is a diagram illustrating an example in which the orderer selects a payment method on the seller's web page 40 .

When the orderer selects a product or service to be ordered on the seller's webpage 40 through the order terminal 30 , the seller's webpage 40 is converted to a page for ordering and paying for the goods or services. At this time, the items "credit card", "deposit without bankbook", "real-time account transfer", "mobile phone" and "simple payment selection" are displayed on the seller's web page 40 as the payment method P410. At this time, when the orderer selects the "simple payment selection" item P420 through the order terminal 30, various payment methods related to the "simple payment method" appear. And when the orderer selects the payment method "Kakao Pay" according to the present invention through the order terminal 30, an input window for inputting the payer's information is displayed.

5 is a diagram illustrating an example in which an orderer inputs information of a payer on a web page 40 of a seller.

As shown in FIG. 4 , when the orderer selects the payment method according to the present invention as the payment method, the payment server 200 provides information of the payer to the order terminal 30 in response to the order information received from the seller server 10 . you can request The seller server 10 receiving the information request of the payer may provide an input window for receiving the information of the payer to the order terminal 30 . Accordingly, an input window P510 for receiving information of a payer is displayed on the seller's web page 40 loaded in the web browser on the order terminal 30 . Referring to FIG. 5 , the input window P510 is configured to provide a mobile phone number input field P520 and an input field P530 for inputting the date of birth as identification information of the payer. When the orderer inputs the payer's phone number and date of birth through the order terminal 30 and inputs the message transmission button P540, the payment server 30 receives the payer's information. In response to the request of the payment server 30 , the instant message server 100 transmits an instant message for payment acceptance to the payment terminal 20 .

Meanwhile, the identification information of the payer is not limited to the date of birth, and as described above, may include various information such as keywords, specific images, and responses corresponding to queries. That is, in the case where the identification information of the payer is a keyword, the payer may input "apology" as a specific keyword when subscribing to the simple payment service. Afterwards, when the orderer wants to order a product or service through the seller's web page 40, the payment server 200 enters the phone number of the payer through the order terminal 30 and "apple" as a keyword. The subscription information is compared with the information input to the payment terminal 20 , and when the information matches each other, the instant message server 100 is requested to transmit an instant message for accepting payment to the payment terminal 20 .

As described above, in the payment method according to the present invention, the orderer selects a product or service on the web page 40 through the order terminal 30 and orders it, and the payer can perform the payment on the payment terminal 20 have. Therefore, since the payment method according to the present invention does not require separate authentication information such as SMS or QR code scanning, a payer can make a payment on a mobile terminal through a simple procedure when purchasing a product or service through a terminal such as a PC.

FIG. 6 (a) is a diagram illustrating an example of an instant message for payment acceptance received in the payment terminal 20, and FIG. 6 (b) is an example in which the payment module is executed in the payment terminal 20 is a diagram showing

The instant message server 100 transmits an instant message for payment acceptance to the payment terminal 20 according to the request of the payment server 200 . Then, a chat room with the virtual subject P610 is created on the chatting application installed in the payment terminal 20 , and an instant message P620 for accepting payment is provided through the chat room. In this case, the instant message for accepting payment may include an effective time P635 for inquiring whether to accept the payment. After the payment terminal 20 receives the instant message, when the effective time P635 has elapsed, the payment server 200 determines that the payer has not accepted the payment.

When the payer accepts the payment by clicking the "Make payment" button P630 of the instant message through the payment terminal 20 , the payment terminal 20 transmits payment information to the payment server 200 . In response to this, the payment server 200 requests that the payment module be executed in the payment terminal 20 . Accordingly, the executed payment module displays an input window P640 for selecting a payment card registered when signing up for a simple payment service and an input window P650 for selecting other detailed payment methods. When the payer inputs the "confirm payment information and consent" button P660, the payment module allows the user to input a password corresponding to the selected payment card. Such information input through the payment module is transmitted to the payment server 200 . The payment server 200 checks whether the password received from the payment terminal 20 matches the password corresponding to the payment card at the time of subscription, and when the password matches, the financial institution server 300 requests approval for payment.

7 is a view showing an example in which an instant message P710 indicating that payment is completed in the payment terminal 20 is displayed, and FIG. 8 is a view showing an example in which a payment completion window is displayed on the seller's web page 40 It is a drawing.

When the financial company server 300 approves the payment and transmits the payment approval result to the payment server 200 , the payment server 200 transmits payment completion information to the instant message server 100 . That is, the payment server 200 requests the instant message server 100 to transmit an instant message P710 stating that the payment for the product or service has been completed to the payment terminal 20, and the instant message server 100 pays In response to a request from the server 200 , an instant message P710 including payment completion information is transmitted to the payment terminal 20 . Such an instant message P710 may be provided through a chat room with a virtual subject P610 created on a chatting application installed in the payment terminal 20 in the same manner as the instant message P620 for accepting payment.

Also, the payment server 200 transmits payment completion information to at least one of the seller server 10 and the instant message server 100 . And as shown in FIG. 8 , the seller server 10 displays a payment completion window on the seller's web page 40 according to the payment completion information received from the payment server 200 . And, upon receiving the payment completion information, the instant message server 100 transmits an instant message including the payment completion information to the payment terminal 20 .

As such, the payment method using an instant message according to an embodiment of the present invention can perform a payment in a mobile terminal without a separate authentication procedure such as SMS or QR code scanning, thereby providing high convenience to the payer. . In addition, by comparing the payer's identification information and subscription information along with the payer's phone number, it is possible to prevent an erroneous payment request that may occur only by inputting a phone number in advance. Accordingly, since the present invention does not process passwords or other payment information on the web page, high security can be expected.

9 is a block diagram illustrating a payment server 200 according to an embodiment of the present invention.

The payment server 200 for performing payment using an instant message according to an embodiment of the present invention includes a communication module 910 , a memory 920 , and a processor 930 . Those skilled in the art will fully understand that each of the communication module 910 , the memory 920 , and the processor 930 may be implemented separately or one or more of them may be integrated.

For reference, the components shown in FIG. 9 according to an embodiment of the present invention may be implemented in the form of software or hardware such as FPGA (Field Programmable Gate Array) or ASIC (Application Specific Integrated Circuit), and perform predetermined roles. can do.

However, the term 'components' is not limited to software or hardware, and each component may be configured to reside in an addressable storage medium or to reproduce one or more processors.

Components and functions provided within the components may be combined into a smaller number of components or further divided into additional components.

The communication module 910 transmits/receives to and from the seller server 10 and the instant message server 100 . That is, the communication module 910 receives order information for a product or service to be paid for from the seller server 10 , and receives information about a payer corresponding to the order information input through the seller's web page.

The memory 920 stores a program for payment of goods or services. Here, the memory 920 collectively refers to a non-volatile storage device that continuously maintains stored information even when power is not supplied.

The processor 930 executes a program stored in the memory 920 . At this time, as the program is executed, the processor 930 determines whether the payer's information received from the seller server 10 matches the pre-stored payer's subscription information. At this time, the payer's information is input from the orderer through the seller's web page. That is, the processor 930 may request an input window for receiving the payer's information from the seller server 10 in response to the order information received by the communication module 910 from the orderer's order terminal 30 . Accordingly, an input window is displayed on the web page of the seller loaded on the web browser of the order terminal 30 . Accordingly, the orderer may input information of the payer through the input window on the order terminal 30 .

As such, the payer's information may include at least one of a payer's phone number or an ID of a chatting service and identification information of the payer. In addition, the payer's subscription information may include at least one of the payer's phone number or the payer's chat service ID and identification information of the payer. In addition, the payer's identification information may include one or more of the payer's date of birth, keywords, a specific image, and a response corresponding to a query. However, the identification information of the payer is not limited thereto, and may include various information for identifying the payer.

When it is determined that the information of the payer input by the orderer and the subscription information of the payer match, the processor 930 sends an instant message for accepting payment for goods or services to the payment terminal 20 corresponding to the subscription information of the payer. It requests the instant message server 100 to transmit.

The instant message server 100 transmits an instant message for payment acceptance to the payment terminal 20 . The payment terminal 20 provides the received instant message for accepting payment through a chat room with a virtual subject. If the virtual subject-oriented chat room does not exist, the payment terminal 20 that has received the instant message for payment acceptance creates a chat room with the virtual subject on the chatting application, and sends an instant message for payment acceptance through the created chat room. to provide.

When the payment terminal 20 accepts the payment through the instant message, the processor 930 receives information about the product or service from the payment terminal 20 through the communication module 910 . The processor 930 requests payment approval from the financial company server 300 according to the information about the product or service received from the payment terminal 20 , and when the financial company server 300 approves the payment, the payment is completed. And the payment completion information is transmitted to the seller server 10 , and accordingly, a payment completion window may be displayed on the seller's web page.

In addition, the processor 930 may request the instant message server 100 to transmit an instant message indicating that payment for the product or service has been completed to the payment terminal 20, and accordingly, the instant message server 100 may An instant message indicating the completion may be transmitted to the payment terminal 20 .

An embodiment of the present invention may also be implemented in the form of a computer program stored in a medium executed by a computer or a recording medium including instructions executable by the computer. Computer-readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, computer-readable media may include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Communication media typically includes computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave, or other transport mechanism, and includes any information delivery media.

Although the methods and systems of the present invention have been described with reference to specific embodiments, some or all of their components or operations may be implemented using a computer system having a general purpose hardware architecture.

The above description of the present invention is for illustration, and those of ordinary skill in the art to which the present invention pertains can understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a dispersed form, and likewise components described as distributed may be implemented in a combined form.

The scope of the present invention is indicated by the following claims rather than the above detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalent concepts should be interpreted as being included in the scope of the present invention. do.

1: Payment system
10: Merchant Server
20: payment terminal
30: order terminal
100: instant message server
200: payment server
300: financial company server
810: communication module
820: memory
830: Processor

Claims (1)

In the payment method using an instant message in the payment server,
receiving order information for a product or service to be paid for from a merchant server;
receiving information of a payer corresponding to the order information input through a web page of a seller;
determining whether the received payer's information matches pre-stored payer's subscription information;
requesting an instant message server to transmit an instant message for accepting payment for the product or service to a payment terminal corresponding to the subscription information when it is determined that the payer's information and the subscription information match; and
Comprising the step of receiving payment information for the product or service from the payment terminal when the payment terminal accepts the payment,
The payer's information includes at least one of the payer's phone number or the payer's chat service ID and identification information of the payer,
The subscription information will include at least one of the payer's phone number or the payer's chat service ID and identification information of the payer.

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