KR20240069420A - Method for payment of used product trading platform - Google Patents

Abstract

The used goods payment method is a used goods transaction/payment brokerage method performed by a brokerage server, comprising the steps of linking with at least one of a seller terminal and a buyer terminal; Receiving sales information including at least one of the product name, price, and seller phone number for the used product from the seller terminal and transmitting it to the buyer terminal; Receiving purchase information including at least one of a buyer address, buyer phone number, and payment details from the buyer terminal and transmitting it to the seller terminal; And when a purchase decision is received from the buyer terminal, it includes performing payment processing, wherein the payment processing step involves making payment for the used goods purchased by the buyer using the online ID corresponding to the buyer. And, the payment processing step includes financial company information including the name of the card company or bank name corresponding to the buyer, and the name of the card or bank account name, and the login information of the buyer or the buyer terminal to match the financial company information. registering phone information including phone number; When the purchase of at least one used item is selected from the buyer terminal based on the sales information provided to the buyer terminal, a list of cards or bank accounts available to the buyer is retrieved from the financial company registration module and an interface screen is displayed on the buyer terminal. Steps provided by; providing an access path to a selected card company or bank to the purchaser terminal based on the provided interface screen; And based on the interface screen, request card information for an online ID with a unique key value corresponding to the selected credit card or bank account to the financial company server of the card or bank account selected by the buyer, and request card information from the financial company server Obtaining the key value of the generated online ID; and performing payment by substituting one of the credit card and bank account using the online ID through the access path provided to the purchaser terminal.

Description

How to pay for used goods{METHOD FOR PAYMENT OF USED PRODUCT TRADING PLATFORM}

The present invention relates to a used goods transaction/payment brokerage system and its payment method. More specifically, in the sale of used goods, it is possible to vitalize online transactions by brokering transactions between sellers and buyers and ensuring safe payment. It relates to the used goods trading/payment brokerage system and its payment method.

With the development of mobile terminals, mobile terminals, which were limited to voice calls and web access, are now able to perform rudimentary financial payments by contacting dedicated terminals.

Currently, mobile terminals are equipped with chips issued by banks and are used for payment at convenience stores and stores with dedicated terminals. However, there are limits to the costs that can be paid, and payments cannot be made in places without dedicated terminals.

In addition, it is difficult to immediately process payment for account transfers or general commerce with the chip built into the mobile terminal.

Additionally, in Korea, it is difficult for PG (Payment Gateway) companies, other than financial companies such as banks and credit card companies, to directly handle buyers' account information or card information. Therefore, payment in a mobile environment is carried out using a USIM (Universal Subscriber Identity Module) chip for buyer authentication, or a card built into the mobile terminal authenticated by a financial company. It is a well-known fact that these chips or cards can only be used in stores equipped with dedicated readers, and that they are operated at the level of assisting card transactions or cash transactions using credit cards within the range of not exceeding a predetermined upper limit. . Additionally, in this system, only one credit card can be used, so for example, if a particular store or shopping mall has a different credit card with a large discount rate, there is the inconvenience of not being able to receive these benefits. In other words, there was a limitation that only the credit card built into the mobile terminal could be used.

Meanwhile, as online e-commerce becomes more active, not only e-commerce by sellers selling multiple items, but also e-commerce such as personal items or used goods are occurring frequently. However, since electronic commerce such as used goods is carried out on a small scale, its stability is not guaranteed, and as a result, there is a problem that one party may suffer economic damage in the electronic commerce.

The present invention was created to solve the above-mentioned problems, and in small-scale electronic commerce such as used goods, it is possible to revitalize online transactions by stably brokering sales and guaranteeing payment between sellers and buyers. The purpose is to provide a product transaction/payment brokerage system and its brokerage method.

As an embodiment, the used goods payment method includes the steps of linking with at least one of a seller terminal and a buyer terminal in a used goods transaction/payment brokerage method performed by a brokerage server; Receiving sales information including at least one of the product name, price, and seller phone number for the used product from the seller terminal and transmitting it to the buyer terminal; Receiving purchase information including at least one of a buyer address, buyer phone number, and payment details from the buyer terminal and transmitting it to the seller terminal; And when a purchase decision is received from the buyer terminal, it includes performing payment processing, wherein the payment processing step involves making payment for the used goods purchased by the buyer using the online ID corresponding to the buyer. And, the payment processing step includes financial company information including the name of the card company or bank name corresponding to the buyer, and the name of the card or bank account name, and the login information of the buyer or the buyer terminal to match the financial company information. registering phone information including phone number; When the purchase of at least one used item is selected from the buyer terminal based on the sales information provided to the buyer terminal, a list of cards or bank accounts available to the buyer is retrieved from the financial company registration module and an interface screen is displayed on the buyer terminal. Steps provided by; providing an access path to a selected card company or bank to the purchaser terminal based on the provided interface screen; And based on the interface screen, request card information for an online ID with a unique key value corresponding to the selected credit card or bank account to the financial company server of the card or bank account selected by the buyer, and request card information from the financial company server Obtaining the key value of the generated online ID; and performing payment by substituting one of the credit card and bank account using the online ID through the access path provided to the purchaser terminal.

According to the present invention, in small-scale electronic commerce such as used goods, it is possible to revitalize online transactions by stably brokering sales and guaranteeing payment between sellers and buyers.

Additionally, when purchasing a product or service using a mobile terminal, the cost can be paid to the person providing the product or service using the terminal.

In addition, you can select one of several credit card companies and select one credit card among several credit cards of the selected credit card company, or select one bank among several banks and select one of several bank accounts at the selected bank. By providing a multi-card or multi-account function that can be used by selecting any one bank account, for example, by allowing the user to select and use a credit card with a large discount rate for the service to be paid, buyer convenience can be increased. You can.

In addition, the addition of separate equipment to implement this multi-card or multi-account function can be minimized, and there is an advantage that it can be easily added and used even when other credit cards or bank accounts are added later.

In addition, terminal buyers can conduct financial transactions without exposing financial information, and payments can be easily made on the terminal without building a separate system.

In addition, unlike the conventional system where the payment system for terminals such as PCs, laptops, or tablet PCs was different from the payment system for mobile terminals such as mobile phones or smartphones, one system allows easy payment not only on these mobile terminals but also on terminals such as PCs. You can proceed.

Additionally, in the case of account transfers, the recipient can simply receive the money deposited into a virtual account and transfer it to his or her real account without building a separate system.

In addition, as a single system, it can be applied not only to face-to-face payments where the buyer must make the payment directly, but also to non-face-to-face payments such as online open markets or online account transfers.

1 is a diagram schematically showing a used goods transaction/payment brokerage system according to the present invention.
Figure 2 is a diagram illustrating an example of a mediation server used in the present invention.
Figure 3 is a diagram illustrating another example of a mediation server used in the present invention.
Figure 4 is a diagram illustrating another example of a mediation server used in the present invention.
Figure 5 is a diagram illustrating another example of a mediation server used in the present invention.
Figure 6 is a diagram illustrating another example of a mediation server used in the present invention.
Figure 7 is a diagram illustrating another example of a mediation server used in the present invention.
Figure 8 shows a reference diagram for an example of performing an account transfer using an intermediary server.
Figure 9 shows a reference diagram for another example of performing an account transfer using an intermediary server.
Figure 10 is a diagram schematically showing the configuration of a mediation server used in the present invention.
Figure 11 is a flow chart showing the used goods transaction/payment brokerage method according to the present invention.

The present invention described below can be modified in various ways and can have various embodiments. Specific embodiments will be illustrated in the drawings and described in detail in the detailed description.

However, this is not intended to limit the present invention to specific embodiments, and should be understood to include all transformations, equivalents, and substitutes included in the spirit and technical scope of the present invention. In describing the present invention, if it is determined that a detailed description of related known technologies may obscure the gist of the present invention, the detailed description will be omitted.

The terms used in this application are only used to describe specific embodiments and are not intended to limit the invention. Singular expressions include plural expressions unless the context clearly dictates otherwise. In this application, terms such as “comprise” or “have” are intended to designate the presence of features, numbers, steps, operations, components, parts, or combinations thereof described in the specification, but are not intended to indicate the presence of one or more other features. It should be understood that this does not exclude in advance the possibility of the existence or addition of elements, numbers, steps, operations, components, parts, or combinations thereof.

Additionally, terms such as first and second may be used to separately describe various components, but the components should not be limited by the terms. The above terms are used only for the purpose of distinguishing one component from another.

In addition, when at least two different embodiments are described in the present application, all or part of the components of each embodiment can be merged and used interchangeably without departing from the technical spirit of the present invention. .

1 is a diagram schematically showing a used goods transaction/payment brokerage system according to the present invention.

Referring to FIG. 1, the used goods transaction/payment brokerage system according to the present invention may include a seller terminal 10, a buyer terminal 50, a web server 30, and a brokerage server 100. Here, the seller terminal 10, the buyer terminal 50, the web server 30, and the mediation server 100 are connected to each other through the network 40.

The seller terminal 10 is a terminal owned by the seller of used goods, and includes not only a terminal capable of wired communication such as a PC (Personal Computer), but also a portable terminal such as a laptop, a PDA (Personal Digital Assistant), a mobile phone, and a smartphone. do. Here, it is assumed that the mobile terminal is capable of wireless communication through the network 40. At this time, the seller terminal 10 can input sales information including the product name, price, and seller's phone number of the product for sale through the web server 30.

The buyer terminal 50 is a terminal owned by a buyer who wishes to purchase a used product, and, like the seller terminal 10, includes a terminal capable of wired communication as well as a portable terminal capable of wireless communication. At this time, the buyer terminal 50 inputs purchase information including at least one of the address of the buyer who wishes to purchase the used product, the buyer's phone number, and payment details in response to the sales information posted through the web server 30. You can.

The web server 30 posts sales information received from the seller terminal 10, and purchase information can be input from the buyer terminal 50 in response to the posted sales information. Here, the sales information may include information about at least one of the product name, price, and seller's phone number of the used product that the seller wishes to sell. Additionally, the purchase information may include information on at least one of the address of the buyer wishing to purchase a used product, the buyer's phone number, and payment details.

At this time, when purchase information is input from the buyer terminal 50 in response to the sales information input by the seller terminal 10, the web server 30 may transmit the sales information and purchase information to the mediation server 100.

The brokerage server 100 is linked with the seller terminal 10 and the buyer terminal 50, receives sales information from the seller terminal 10, transmits it to the buyer terminal 50, and receives purchase information from the buyer terminal 50. It can be received and transmitted to the seller terminal 10. At this time, when the seller terminal 10 and/or the buyer terminal 50 installs an application for a used goods transaction/payment brokerage service according to an embodiment of the present invention, the brokerage server 100 is connected to the seller terminal 10. And/or data can be transmitted and received by directly connecting communication with the purchaser terminal 50. Additionally, the mediation server 100 may receive sales information and/or purchase information from the web server 30. In other words, when the buyer enters purchase information in response to the sales information of used goods posted by the seller through the web server 30, the web server 30 sends the sales information and/or purchase information to the brokerage server 100. You can also send it.

Below, the mediation server used in the embodiment of the present invention will be described in more detail.

Before proceeding with the description of the mediation server used in the present invention, the financial company servers mentioned below include card company servers, bank servers, telecommunication company servers, PG (Payment Gateway) servers, VAN (Value Added Network) servers, and others. It may be a variety of types of financial company servers, and may be used interchangeably with the above-mentioned card company servers, bank servers, telecommunication company servers, PG servers, and other financial company servers. Additionally, the financial company server may be described and explained focusing on either the card company server or the bank server.

In addition, the buyer terminal mentioned below is a mobile terminal owned by a buyer who purchases used goods from a seller, and refers to a terminal that can connect to a financial company server through a network, request payment, and receive the payment result. . Such buyer terminals include terminals capable of wireless communication while moving, such as smart tabs, mobile phones, personal digital assistants (PDAs), smartphones, and laptops.

In addition, payment of the costs mentioned below may be provided by the party acquiring the goods or services or the party providing the goods or services. At this time, the request for payment may be provided directly from the purchaser terminal to the financial company server, or may be transmitted to the financial company server from a card terminal (reader) that performs close wireless communication with the purchaser terminal.

Additionally, the online ID mentioned below may be created and issued by a financial company, especially a credit card company or bank, at the request of an intermediary system. The online ID can be used in place of the mobile device purchaser's bank account or credit card. Online IDs can be used to enable financial companies, such as PG companies that handle financial transactions, in addition to banks and credit card companies, to mediate payment or transfers. The online ID may be in the form of a file, and in the environment of the present invention, it may be used in the form of a unique key value. Here, the key value may be a selective combination of letters, numbers, and special characters, and due to the nature of its use in financial settlement, it is preferable that there are no identical key values. Additionally, in the present invention, the online ID and the key value for the online ID are treated as the same and may be written interchangeably. Regardless of whether it is in the form of a file or a combination of numbers and strings, the online ID and key value perform the same role and are not differentiated separately.

At this time, the online ID is when the buyer applies to a brokerage system for a service using an online ID. The brokerage system applies for various credit card companies that the buyer will use, credit cards from these credit card companies, various banks and their bank accounts, and telecommunication companies. The two-face brokerage system requests the issuance of an online ID from the credit card company, bank, or telecommunication company's financial server and stores information about these issued online IDs so that they can be used for payments.

In other words, when a buyer logs in to the brokerage system, the brokerage system presents a list of various credit card companies that have applied for service in advance on the buyer's terminal, credit cards of these credit card companies, various banks and bank accounts of these banks, and telecommunication companies, and the brokerage system The system transmits the online ID that matches the credit card, bank account, or telecommunication company selected from the list provided by the buyer to the financial company server so that it can be used for payment.

As a result, payment can be made by identifying the selected credit card among various credit cards from various credit card companies (even the same credit card company has various credit cards), so for example, even if one smartphone app is installed, various credit cards can be used as needed. You can use a specific credit card or bank account, allowing you to use multiple cards or multiple accounts. In other words, through this system, several credit card companies or banks can be distinguished, and various credit cards or bank accounts of these credit card companies or banks can be distinguished and specified. At this time, if a telecommunication company is selected, it can be used for existing small payments and can also be used for services that charge payment costs on telecommunication bills.

At this time, preferably on the financial company server, problems of theft or hacking may occur when the same online ID is continuously used, so it is desirable to improve security by updating the issued online ID at regular intervals and providing it to the intermediary system.

Meanwhile, in another preferred embodiment, when the buyer selects a specific credit card or bank account from the presented list, the brokerage system requests the financial company server of the selected credit card or bank account to create and issue an online ID to obtain it on a one-time basis. It's also okay.

According to this system, not only can security be greatly improved by not managing multiple online IDs at the intermediary system level, but also a variety of credit cards from various credit card companies (even the same credit card company has a variety of credit cards) can be used. Payment can be made by identifying a credit card, so for example, even if one smartphone app is installed, various credit cards or bank accounts can be specified and used as needed, making it possible to use multiple cards or multiple accounts. In other words, through this system, several credit card companies or banks can be distinguished, and various credit cards or bank accounts of these credit card companies or banks can be distinguished and specified.

At this time, it is desirable to improve security by limiting the retention time of the generated online ID, for example, by maintaining it only for one minute and deleting it if the online ID information created for one minute is not used or is not fed back to the financial company server. do.

The mobile terminal mentioned below may have a built-in NFC (Near Field Communication) chip. The built-in NFC chip is capable of short-distance wireless communication, and can perform data communication when in contact with a card reader or close proximity, and provides information about the mobile terminal's login information, password, or phone number to the mobile terminal. can be provided directly as a card reader.

Below, the card company server and the PG/VAN server are described separately, but currently, there is a trend for the PG server and VAN server to be integrated into the card company server. Therefore, PG servers and VAN servers are collectively referred to as PG/VAN servers, and it is stated in advance that the role and function of the PG/VAN server may be included in the card company server. Additionally, it is also possible to construct the mediation system in the present invention to function as a PG/VAN server.

The card company described in the present invention refers to a credit card company, and the server operated by the card company to process expenses is referred to as the card company server.

Hereinafter, a payment brokerage system and method thereof between sellers and buyers according to an embodiment of the present invention will be described in detail with reference to the attached drawings.

Figure 2 is a diagram illustrating an example of a mediation server used in the present invention.

Referring to Figure 2, the mediation server 100 according to the present invention is connected to the buyer terminal 50 on the paying side, that is, when the buyer terminal logs in to the mediation server 100, the mediation server 100 is connected to the mobile terminal ( 50) provides an interface for selecting the card company and credit card of the card company, or bank and bank account to be used for payment of expenses, and provides an access path to the card company selected by the mobile terminal 50 and the card company for use of the credit card. can be provided.

At this time, the above-mentioned credit card company, financial company information including card company credit card, bank, and bank account are actually used or intended to be used by the purchaser, and the purchaser's login information or purchaser's login information is obtained by subscribing to the service provided by the brokerage server 100. It is advisable to save it in advance to match the phone number of the terminal.

At this time, the mediation server 100 requests and obtains the creation of a one-time online ID to be used by the purchaser of the mobile terminal 50 from the server 400 of the bank selected by the purchaser among a plurality of card companies or banks, or the credit card company's financial company server 400.

The online ID is something that the purchaser of a mobile terminal (50) applies for the service in advance to use at a bank or card company, and can be used on mobile devices even in areas where financial companies other than banks or card companies (e.g. PG companies) are prohibited from handling bank account information or card information. It was designed by the applicant so that it can be used in financial transactions.

An online ID can take the form of a file or a key value formed from a combination of numbers and strings. The online ID represents a unique key value, but does not itself contain account number or credit card information. On the other hand, an online ID can correspond to a single bank account or credit card at a bank or credit card company. To this end, the purchaser of the mobile terminal 50 must apply in advance for the payment service provided by the brokerage server 100 and the use of an online ID at the bank or credit card company, and the bank or credit card company must request the purchaser of the mobile terminal 50 An online ID generated to match the selected credit card and login information or phone information is provided to the mediation server 100.

In this way, when the buyer logs in and selects a specific credit card or bank account through the presented interface, the brokerage server 100 requests and obtains a one-time online ID issuance from the corresponding financial company server and presents an access path to the corresponding financial company server. Thus, payment can be made.

At this time, more preferably, the financial company server 400 uses a one-time online ID to increase security by destroying it when payment is completed or when it is not used for payment for a certain period of time.

Therefore, the obtained online ID is not ultimately provided to the buyer terminal 50, but the mobile terminal 50 simply generates an event signal such as a payment processing request, and the mediation server 100 logs in when such an event request is received. By allowing payment processing using an online ID that matches the information or phone number, security can be improved by preventing card information, etc. from being leaked to the outside due to loss of the mobile terminal. At this time, in the case of mobile terminals with phone numbers, such as smartphones or cell phones, the phone number can serve as identification, and in the case of terminals without phone numbers, such as PCs, login information serves as identification, or the buyer logs in with the phone number. It can be used by presenting it upon request, and when the financial company server 400 receives a request to create and provide an online ID by the brokerage server 100, it creates and provides an online ID matching these phone numbers or login information.

At this time, even in the case of a mobile terminal with a phone number, it is possible to add login information and build it to play an identification role.

Accordingly, the buyer of the mobile terminal 50 can use the online ID like a credit card or bank account. At this time, the purchaser of the mobile terminal 50 may go through the process of entering a password, similar to a normal security authentication method, when making a payment or performing a bank transfer using an online ID.

The mediation server 100 provides an interface for the mobile terminal 50 to select a card company and credit card to use for payment when the mobile terminal 50 logs in, and the mobile terminal 50 selects the card company and credit card. If so, an online ID is requested and obtained from the financial company server 400 corresponding to the selected card company, and the financial company server 400 sends the generated online ID (or key value, hereinafter omitted) to the credit card, phone number, or login information. It's about matching. The mobile terminal 50 requests payment by providing payment information including the payment cost to the financial company server 400 using the online ID with reference to the access path provided by the mediation server 100, and the financial company server 400 You can proceed with the payment process by requesting a password for the credit card used for payment.

FIG. 3 is a diagram illustrating another example of a mediation server used in the present invention. The mediation server shown in FIG. 2 operates the corresponding mediation system when any one card or bank account from the list presented in the purchaser terminal is selected. While a one-time online ID is issued and used by requesting the creation of a one-time online ID from the financial company's server, it is different in that an online ID is requested from each financial company and stored and used for all multiple cards and bank accounts registered in advance by the purchaser. .

Referring to FIG. 3, if the buyer registers a plurality of card companies, cards, banks, and bank accounts to be used by the buyer in advance, the brokerage server 100 stores the cards or banks registered by the buyer in advance on the corresponding financial company server 400. After requesting and obtaining an online ID by providing phone information including account, login information, or phone number, it is stored in a matching manner.

At this time, it is desirable for each financial company server 400 to store the generated online IDs in a manner that matches each card or bank account.

Therefore, when multiple cards are registered for each card company or multiple bank accounts are registered for each bank, multiple online IDs are issued even for the same card company or bank. In other words, if there are multiple cards (bank accounts), which are sub-concepts, for each card company (bank), which is the upper-level concept, an online ID is created and stored in a 1:1 match for each sub-concept.

In this way, if the buyer registers in advance the name of the card company or bank to be used, financial company information including the card name or bank account name, and phone information including login information or phone number, the mediation server 100 provides such phone information. The online ID is requested and obtained by providing it to the corresponding financial company server 400.

Thereafter, when the buyer logs in and connects to the brokerage server 100 with the buyer terminal 50 to pay the cost, the brokerage server 100 displays a list of pre-registered financial company information on the buyer terminal 50 to select one of them to be used. Presents an interface screen so that can be selected.

When a card or bank account to be used is selected from the purchaser terminal 50, the mediation server 100 matches the selected card or bank account among a plurality of pre-stored online IDs and selects a card company or bank account corresponding to the registered card or bank account. The bank's financial company server (100) provides information about the relevant online ID, phone information, and payment costs accompanying the payment, and the financial company server (100) provides an actual card matched to the online ID provided by the brokerage server (100). Or, have the payment processed using your bank account.

At this time, in order to improve security, it is preferable that the financial company server 400 requests the input of an OTP (one time password) or password using the phone number of the phone information provided by the mediation server 100 to process the payment.

In this way, the obtained online ID is not ultimately provided to the buyer terminal 50, but the mobile terminal 50 simply generates an event signal such as a payment processing request, and the mediation server 100 receives such an event request. By allowing payments to be processed using login information or an online ID that matches the phone number, security can be improved by preventing card information, etc. from being leaked to the outside due to loss of the mobile terminal, etc. At this time, in the case of mobile terminals with phone numbers, such as smartphones or cell phones, the phone number can serve as identification, and in the case of terminals without phone numbers, such as PCs, login information serves as identification, or the buyer logs in with the phone number. It can be used by presenting it upon request, and when the financial company server receives a request to create and provide an online ID by the brokerage server 100, it creates and provides an online ID matching these phone numbers or login information.

At this time, even in the case of a mobile terminal with a phone number, it is possible to add login information and build it to play an identification role.

Therefore, buyers can use their online ID like a credit card or bank account.

Meanwhile, more preferably, the financial company server 400 improves security by updating a plurality of stored online IDs after a certain period of time and providing them to the brokerage server 100.

A card used by issuing an online ID on a one-time basis or by issuing an online ID for each card or bank account as a sub-concept rather than simply processing the phone number of the mobile terminal at the intermediate server shown in FIGS. 2 and 3 above. Or, even if you have multiple bank accounts (multi-card or multi-account), you can use them all as one app.

Meanwhile, Figure 4 is a diagram illustrating another example of a mediation server used in the present invention.

Referring to FIG. 4, this is to solve the problem when payment processing is performed between both the purchaser terminal 50 and the recipient terminal 60. The recipient terminal 60 is a card payment machine or reader installed in a conventional restaurant or shopping mall. It performs the same function, and instead of sending information such as credit card information or a public certificate from the buyer terminal 50 to the recipient terminal 60, phone information is transmitted, and the recipient terminal 60 uses this to transmit the mediation server (100). ) relates to a system and method for requesting payment to a financial company server (400) through a connection path provided by .

This process is described in detail with reference to Figure 4.

The mediation server 100 receives and stores information about the card company name, card name according to the card company, phone number of the mobile terminal 50, login information, and access path for each registered card name from the mobile terminal 50 in advance from the purchaser. put it Since detailed information about this has been described in the embodiments of FIGS. 2 and 3, detailed description will be omitted.

When the mobile terminal 50 connects and logs in, the brokerage server 100 provides an interface that allows the mobile terminal 50 to select a card company and card, and selects the card or bank account selected from the purchaser terminal 50. Obtain by requesting issuance of a one-time online ID from the financial company server (400) of the corresponding financial company.

At this time, when the mobile terminal 50 connects and logs in, the mediation server 100 provides only information about the card company and the card to the mobile terminal 50. In this case, an app that displays the card company and card information provided by the mediation server 100 to enable buyer selection may be installed on the mobile terminal.

The mobile terminal 50 sells a product or service and can request payment from the recipient's terminal 60, which receives the cost. At this time, the mobile terminal 50 uses short-distance wireless communication through a built-in NFC chip. can be performed, and the phone number or login information (phone information) of the purchaser terminal 50 is provided to the payment terminal 60. This information can be encrypted, and the terminal 60 uses the phone number or login information and affiliated store information (affiliated store name, affiliated store identification number, or affiliated store code) to connect to the PG/VAN through the connection path provided by the mediation server 100. Payment can be requested by transmitting to the server 300.

Here, these information may be provided to the financial company server 400 through a PG server or VAN server. Therefore, the PG server and VAN server are collectively referred to as PG/VAN server 300.

When the payment terminal 60 requests payment to the PG/VAN server 300, the PG/VAN server 300 receives information about the affiliated store and payment amount received from the payment terminal 60, and the mediation server 100. Payment is requested by providing information about the online ID key value received from the financial company server 400, and the financial company server (card company server or bank server) finds the credit card or bank account corresponding to the key value of the online ID. Matches, and when there is a correct matching result, payment for the online ID can be approved. When payment is approved by the financial company server 400, the approval result can be notified to the mobile terminal 50. At this time, the approval result may be provided in the form of SMS (Short Message Service).

According to the above-mentioned payment method, there is an advantage that many of the security vulnerabilities of the mobile terminal 50 are overcome. The Online ID itself does not contain card information or bank account information of any kind. However, it has similar characteristics to the reference number used by banks or credit card companies to find actual credit cards or bank accounts. In addition, the payment terminal 60 does not require separate hardware logic to provide a key value of numbers, letters, special characters, or a selective combination of these numbers, letters, and special characters to the PG/VAN server 300. No. Since no separate parts or devices are required to provide the key value of the online ID to the PG/VAN server 300, existing payment terminals can be used as is in the present invention.

Meanwhile, in the embodiment shown in FIG. 4, when an event occurs in which a card or bank account to be used is selected at the purchaser terminal 50, a case of requesting and obtaining a one-time online ID card creation from the corresponding financial company server is shown and explained. However, unlike this, as in the embodiment shown in FIG. 5, an online ID card may be allocated in advance to each sub-concept card or bank account and used for payment.

Referring to FIG. 5, the mediation server 100 receives information about the card company name, card name according to the card company, phone number of the mobile terminal 50, login information, and access path for each registered card name from the mobile terminal 50. is registered and stored in advance by the buyer.

At this time, the mediation server 100 requests and obtains the issuance of an online ID for each sub-concept card or bank account from the card company of the registered card or bank of the bank account, and stores it to match the phone information.

When the mobile terminal 50 connects and logs in, the brokerage server 100 provides an interface that allows the mobile terminal 50 to select a card company and card, and the card or bank account is transferred from the buyer terminal 50. When selected, the online ID card that matches 1:1 among the plurality of online IDs is specified.

At this time, when the mobile terminal 50 connects and logs in, the mediation server 100 provides only information about the card company and the card to the mobile terminal 50. In this case, an app that displays the card company and card information provided by the mediation server 100 to enable buyer selection may be installed on the mobile terminal.

The mobile terminal 50 sells a product or service and can request payment from the recipient's terminal 60, which receives the cost. At this time, the mobile terminal 50 uses short-distance wireless communication through a built-in NFC chip. can be performed, and the phone number or login information (phone information) of the purchaser terminal 50 is provided to the payment terminal 60. This information can be encrypted, and the terminal 60 uses the phone number or login information and affiliated store information (affiliated store name, affiliated store identification number, or affiliated store code) to connect to the PG/VAN through the connection path provided by the mediation server 100. Payment can be requested by transmitting to the server 300.

Here, these information may be provided to the financial company server 400 through a PG server or VAN server. Therefore, the PG server and VAN server are collectively referred to as PG/VAN server 300.

When the payment terminal 60 requests payment to the PG/VAN server 300, the PG/VAN server 300 receives information about the affiliated store and payment amount received from the payment terminal 60, and the mediation server 100. Payment is requested by providing information about the online ID key value received from the financial company server 400, and the financial company server (card company server or bank server) finds the credit card or bank account corresponding to the key value of the online ID. Matches, and when there is a correct matching result, payment for the online ID can be approved. When payment is approved by the financial company server 400, the approval result can be notified to the mobile terminal 50. At this time, the approval result may be provided in the form of SMS (Short Message Service).

According to the above-mentioned payment method, there is an advantage that many of the security vulnerabilities of the mobile terminal 50 are overcome. The Online ID itself does not contain card information or bank account information of any kind. However, it has similar characteristics to the reference number used by banks or credit card companies to find actual credit cards or bank accounts. In addition, the payment terminal 60 does not require separate hardware logic to provide a key value of numbers, letters, special characters, or a selective combination of these numbers, letters, and special characters to the PG/VAN server 300. No. Since no separate parts or devices are required to provide the key value of the online ID to the PG/VAN server 300, existing payment terminals can be used as is in the present invention.

Figures 6 and 7 are diagrams to explain another example of a mediation server used in the present invention.

In the embodiment shown in FIGS. 4 and 5 above, when phone information is provided from the purchaser terminal 50 to the recipient terminal 60 through short-distance communication, the recipient terminal 60 provides information about affiliated stores and payment costs. It is a process in which payment is made by providing phone information to the financial company server 400 through the mediation server 100, but in the embodiment shown in Figures 5 and 6, the payment is made from the recipient terminal 60 to the buyer terminal 50. This invention relates to a process for processing payment at the purchaser terminal 60 when information on information and payment costs is provided through short-distance communication. Figure 5 shows a process using a one-time online ID (the embodiment shown in Figure 1). Figure 6 shows a process (corresponding to the embodiment shown in Figure 2) of allocating and utilizing an online ID card for each sub-concept card or bank account in advance.

Referring to FIG. 6, the mobile terminal 50 can perform cost payment by performing short-distance wireless communication with the payment terminal 60 of the cost recipient providing the product or service. The recipient terminal 60 provides affiliated store information and payment amount to the mobile terminal 50, and the mobile terminal logs into the brokerage server 100 and selects the desired card company and a card according to the card company.

When the buyer terminal 50 selects a card to use for payment, the brokerage server 100 can provide information on the connection path to connect to the PG/VAN server 300, and provide a one-time online connection to the corresponding financial company server 400. Request and obtain ID issuance.

At this time, the mobile terminal 50 can request payment by connecting to the PG/VAN server 300 through the mediation server 100 and providing affiliated store information, payment amount, and online ID key value.

The PG/VAN server 300 provides the payment amount, key value, and affiliated store information to the financial company server 400 (card company server or bank server) to request payment, and receives the payment approval result from the financial company server 400. It can be provided as a portable terminal (50). At this time, the PG/VAN server 300 may notify the mobile terminal 50 of the payment approval result using SMS (Short Message Service).

The financial company server 400 may receive the key value of the online ID provided by the PG/VAN server 300 and check the credit card or bank account corresponding to the received key value. As a result of the search, when a credit card or bank account corresponding to the key value exists, payment can be made for the credit card or bank account.

Referring to FIG. 7, the mediation server 100 receives the card company name, card name according to the card company, phone number of the mobile terminal 50, login information, and information on the access path for each registered card name from the mobile terminal 50. is registered and stored in advance by the buyer.

At this time, the mediation server 100 requests and obtains the issuance of an online ID for each sub-concept card or bank account from the card company of the registered card or bank of the bank account, and stores it to match the phone information.

Thereafter, the mobile terminal 50 may perform short-distance wireless communication with the payment terminal 60 of the cost recipient providing the product or service to proceed with the payment. The recipient terminal 60 provides affiliated store information and payment amount to the mobile terminal 50, and the mobile terminal logs into the brokerage server 100 and selects the desired card company and a card according to the card company.

When the buyer terminal 50 selects a card to use for payment, the mediation server 100 provides information on the connection path to connect to the PG/VAN server 300 and provides an online ID that matches 1:1 with the selected card or bank account. Specify .

At this time, the mobile terminal 50 can request payment by connecting to the PG/VAN server 300 through the mediation server 100 and providing affiliated store information, payment amount, and key value of the specified online ID card. .

The PG/VAN server 300 provides the payment amount, key value, and affiliated store information to the financial company server 400 (card company server or bank server) to request payment, and receives the payment approval result from the financial company server 400. It can be provided as a portable terminal (50). At this time, the PG/VAN server 300 may notify the mobile terminal 50 of the payment approval result using SMS (Short Message Service).

The financial company server 400 may receive the key value of the online ID provided by the PG/VAN server 300 and check the credit card or bank account corresponding to the received key value. As a result of the search, when a credit card or bank account corresponding to the key value exists, payment can be made for the credit card or bank account.

Meanwhile, the brokerage server mentioned in FIGS. 2 to 7 above can be used for account transfers in addition to financial transactions for products or services. This will be explained with reference to FIGS. 8 and 9.

Figure 8 shows a reference diagram for an example of performing an account transfer using an intermediary server.

Referring to FIG. 8, the mobile terminal 50 logs into the brokerage server 100 and requests a bank transfer service, and the brokerage server 100 provides an interface to select the bank and account information to perform the bank transfer, When a specific bank and account to be used are selected on the mobile terminal 50, an access path to the selected bank account can be provided to the mobile terminal 50. It is desirable for the purchaser of the mobile terminal 50 to register one or more bank accounts to be used in advance on the brokerage server 100.

If the purchaser of the mobile terminal 50 clearly knows the target account to which the transfer is to be performed, that is, the transfer target account, and also clearly knows his/her account, the app installed on the mobile terminal 50 is connected to the brokerage server (100). ) connects to the financial company server (bank server) 400 along the access path provided, and the app transmits the key value of the online ID, transfer amount, and transfer target account number to the intermediary server 100 along the provided access path. You can request an account transfer by providing it to the financial company server 400 along the provided connection path.

At this time, the financial company server 400 searches for the actual account number corresponding to the key value of the online ID provided by the mobile terminal 50. As a result of the search, when there is a real account corresponding to the key value of the online ID, the financial company server 400 sets the cost to be transferred from the corresponding account. Afterwards, the financial company server 400 sends an authentication number to the mobile terminal 50, and the purchaser of the mobile terminal 50 checks the received authentication number and feeds it back to the financial company server 300 through the mobile terminal 50. The authentication process for the portable terminal 50 can be completed.

At this time, if the transfer target bank is another bank, the financial company server 400 may proceed with depositing to another bank and may request a certain fee from the transfer target or the purchaser of the mobile terminal 50.

When the authentication process is completed, the financial company server 400 withdraws the cost from the actual account corresponding to the key value of the online ID, transfers the money to the account number specified by the purchaser of the mobile terminal 50, and sends the result to the mobile terminal ( 50).

Meanwhile, Figure 8 shows a reference diagram for another example of performing an account transfer using an intermediary server.

Referring to FIG. 9, it is a reference diagram to explain the process of performing an account transfer when the purchaser of a mobile terminal does not know the account number to which the transfer is to be made. After the purchaser of the mobile terminal 50 logs in to the brokerage server 100, a transfer request is made. If the brokerage server 100 provides an access path to the financial company server 400, the key value of the online ID for authenticating the mobile terminal 50 is connected to the financial company server 400 through the access path, The details of the transfer amount and the phone number of the mobile device subject to the transfer are transmitted.

The financial company server 400 creates a virtual account containing the key value of the online ID that can identify the purchaser of the mobile terminal 50, the transfer amount, and information about the transfer recipient (for example, the transfer recipient's mobile terminal phone number). , or you can look up the transfer recipient's account number by referring to the transfer recipient's phone number.

When creating a virtual account, the transfer recipient's phone number is treated as one account, and if the transfer recipient proves that he or she is a legitimate transfer recipient using his/her phone number, the money deposited into the virtual account will be paid to the transfer recipient. You can.

That is, when a virtual account is created on the financial company server 400, the brokerage server 100 notifies the transfer recipient of the event occurrence through the mobile terminal of the transfer recipient, and the transfer recipient logs into the brokerage server 100 using the mobile terminal and enters his or her phone number. The mediation server 100 provides an interface to select the bank and account information to be received on the transfer recipient's mobile terminal, and when the transfer recipient selects the bank and account information to be received, the selected bank account information and the transfer recipient's phone The number is transmitted to the financial company's server (400) so that the money can be transferred from the financial company's server (400).

At this time, the person subject to the transfer connects to the financial company server 400 online and presents his/her phone number, and when the financial company server 400 transmits the authentication number, he/she feeds this back to prove that he/she is the person eligible for the transfer, or stops by an offline bank. You can receive the transfer amount after proving that you are the legitimate recipient of the transfer by presenting your resident registration card and mobile device.

On the other hand, the financial company server 400 searches the mobile carrier server (not shown) for the phone number of the transfer subject presented by the purchaser of the mobile terminal 50 to find the transfer subject, and based on this, the transfer subject can receive the transfer cost. You can also check your account.

In this case, the financial company server 400 sends an information message to the transfer recipient's phone number to inquire about the bank company that will receive the transfer amount and the account number, and sends an authentication number to the transfer recipient's mobile terminal to proceed with the authentication process. It may be possible.

At this time, if the transfer target bank is another bank, the financial company server 400 may proceed with depositing to another bank and may request a certain fee from the transfer target or the purchaser of the mobile terminal 50.

Figure 10 is a diagram schematically showing the configuration of a mediation server used in the present invention.

Referring to FIG. 10, the brokerage server 100 includes a financial company registration module 110, a connection brokerage module 120, an online ID management module 130, a transfer module 140, an online ID mapping module 150, and a database. It may be configured to include (130).

The financial company registration module 110 registers the name of the card company that the purchaser who wishes to make a payment will use for payment, the name of the card, and the mobile terminal number that the purchaser will use for payment. The financial company registration module 110 registers the party paying the fee to the brokerage server 100. Since the payment of costs may not be clearly defined between the buyer and seller of the product, it is advisable that everyone participating in the mobile transaction be registered.

The online ID management module 130 can connect to the server of a bank or credit card company, request the creation of an online ID of a purchaser registered in the financial company registration module 110, receive the request, and register it in the database 160. When the purchaser of the mobile terminal 50 makes a payment or transfer, the online ID management module 130 requests the financial company server 400 to generate a key value for the online ID of the purchaser of the mobile terminal 50 and receives the received key. The value is not provided to the mobile terminal 50, and the purchaser of the mobile terminal 50 connects to the PG/VAN server 300 or the financial company server 400 using the online ID key value along the provided connection path to pay the fee. You can proceed.

The transfer module 140 can provide a transfer service to the purchaser of the mobile terminal 50. The transfer module 140 requests the purchaser of the mobile terminal 50 for the transfer amount, the transfer target account, the phone number of the transfer target, etc., and when the purchaser of the mobile terminal 50 provides these information, the purchaser of the mobile terminal 50 After authentication, you can proceed with the cost transfer.

If the transfer target account number is unclear, the transfer module 140 may generate the key value of the online ID or the transfer target's phone number as a virtual account number. At this time, the transfer module 140 inquires about the transfer target bank or account using the transfer target's mobile terminal, authenticates the transfer target using SMS, and when authentication is completed, provides the transfer target with the cost deposited in the virtual account. there is.

The online ID mapping module 150 maps the phone number, card company, and credit card information of the purchaser of the mobile terminal 50 to the key value of the online ID. The online ID mapping module 150 can record the history in the database 160 when the purchaser of the mobile terminal 50 logs in, pays the fee, and makes a bank transfer, and later, a third party can use the online ID. If an illegal fee payment is requested by stealing the key value, this can be detected by comparing it with the history recorded in the database 160.

When the mobile terminal 50 connects and performs log-in, the connection brokering module 120 authenticates the mobile terminal 50 by referring to the login information registered in the database 130 and connects the card company to the mobile terminal 50. An interface that allows selection of financial company information, including name and card name, and an access path for payment with the purchaser's selected credit card can be provided. The financial company information provided by the access brokerage module 120 can be displayed on the mobile terminal 50, and the mobile terminal 50 can select a desired card company and a card issued by the desired card company and use it for payment.

The access brokerage module 120 may create financial company information in the form of a web page and provide it to the mobile terminal 50. In this case, the mobile terminal 50 may not require a separate app to display financial company information. Financial company information created in the form of a web page is displayed on the mobile terminal 50, and the buyer of the mobile terminal 50 can select the card company and card to be used for payment from among the displayed card companies and proceed with payment.

In addition to processing payment for products or services on the mobile terminal 50, the connection brokerage module 120 may also provide a bank connection path to the mobile terminal 50 when transferring accounts between individuals.

Figure 11 is a flow chart showing the used goods transaction/payment brokerage method according to the present invention.

Referring to FIG. 11, the mediation server 100 interacts with the seller terminal 10 and/or the buyer terminal 20 (S110).

The web server 30 posts the sales information received from the seller terminal 10 (S120). Additionally, the web server 20 can receive purchase information from the buyer terminal 20 in response to the posted sales information. . At this time, the web server 30 may transmit the sales information input by the seller terminal 10 to the mediation server 100. Additionally, when purchase information is input from the buyer terminal 20 in response to the sales information, the web server 30 may transmit the sales information and purchase information together to the brokerage server 100 (S130).

The brokerage server 100 transmits the sales information received from the web server 30 to the buyer terminal 20 (S140). Through this, the buyer terminal 20 can decide whether to purchase the used product based on the sales information. there is. At this time, if the product corresponding to the relevant sales information has already been sold, the mediation server 100 may notify that the sale of the product has ended.

Additionally, the mediation server 100 transmits the purchase information received from the web server 30 to the seller terminal 10 (S150).

When the purchase of a used product is decided from the buyer terminal 20, the mediation server 100 performs payment processing between the seller terminal 10 and the buyer terminal 20 (S160). At this time, the mediation server 100 The method of performing payment processing is the same as in the case of FIGS. 2 to 10 described above, and detailed description thereof is omitted here.

As explained in detail above, according to the present invention, it is possible to revitalize online transactions by stably brokering transactions and guaranteeing payment between sellers and buyers in small-scale e-commerce transactions such as used goods.

Additionally, when purchasing a product or service using a mobile terminal, the cost can be paid to the person providing the product or service using the terminal.

In addition, you can select one of several credit card companies and select one credit card among several credit cards of the selected credit card company, or select one bank among several banks and select one of several bank accounts at the selected bank. By providing a multi-card or multi-account function that can be used by selecting any one bank account, for example, by allowing the user to select and use a credit card with a large discount rate for the service to be paid, buyer convenience can be increased. You can.

In addition, the addition of separate equipment to implement this multi-card or multi-account function can be minimized, and there is an advantage that it can be easily added and used even when other credit cards or bank accounts are added later.

In addition, terminal buyers can conduct financial transactions without exposing financial information, and payments can be easily made on the terminal without building a separate system.

In addition, unlike the conventional system where the payment system for terminals such as PCs, laptops, or tablet PCs was different from the payment system for mobile terminals such as mobile phones or smartphones, one system allows easy payment not only on these mobile terminals but also on terminals such as PCs. You can proceed.

Additionally, in the case of account transfers, the recipient can simply receive the money deposited into a virtual account and transfer it to his or her real account without building a separate system.

In addition, as a single system, it can be applied not only to face-to-face payments where the buyer must make the payment directly, but also to non-face-to-face payments such as online open markets or online account transfers.

Meanwhile, the embodiments disclosed in these drawings are merely provided as specific examples to aid understanding, and are not intended to limit the scope of the present invention. It is obvious to those skilled in the art that in addition to the embodiments disclosed herein, other modifications based on the technical idea of the present invention can be implemented.

100... brokerage server 110... financial company registration module
120... Access brokerage module 130... Online ID management module
140...Transfer module 150...Online ID mapping module

Claims (1)

In the used goods transaction/payment brokerage method performed by the brokerage server,
Linking with at least one of a seller terminal and a buyer terminal;
Receiving sales information including at least one of the product name, price, and seller phone number for the used product from the seller terminal and transmitting it to the buyer terminal;
Receiving purchase information including at least one of a buyer address, buyer phone number, and payment details from the buyer terminal and transmitting it to the seller terminal; and
When a purchase decision is received from the buyer terminal, it includes performing payment processing,
In the payment processing step, payment is made for the used goods purchased by the buyer using the online ID corresponding to the buyer,
The payment processing step includes financial company information including the card company name or bank name corresponding to the buyer, and the card name or bank account name, and the buyer's login information or the phone of the buyer terminal to match the financial company information. registering phone information including a number; When the purchase of at least one used item is selected from the buyer terminal based on the sales information provided to the buyer terminal, a list of cards or bank accounts available to the buyer is retrieved from the financial company registration module and an interface screen is displayed on the buyer terminal. Steps provided by; providing an access path to a selected card company or bank to the purchaser terminal based on the provided interface screen; And based on the interface screen, request card information for an online ID with a unique key value corresponding to the selected credit card or bank account to the financial company server of the card or bank account selected by the buyer, and request card information from the financial company server A used goods payment method comprising: obtaining the key value of the generated online ID; and performing payment by replacing one of the credit card and bank account using the online ID through an access path provided to the buyer terminal. .