WO2016032071A1 - Système de paiement aléatoire - Google Patents

Système de paiement aléatoire Download PDF

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Publication number
WO2016032071A1
WO2016032071A1 PCT/KR2014/013110 KR2014013110W WO2016032071A1 WO 2016032071 A1 WO2016032071 A1 WO 2016032071A1 KR 2014013110 W KR2014013110 W KR 2014013110W WO 2016032071 A1 WO2016032071 A1 WO 2016032071A1
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WO
WIPO (PCT)
Prior art keywords
payment
page
order
terminal
url
Prior art date
Application number
PCT/KR2014/013110
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English (en)
Korean (ko)
Inventor
유대희
백요셉
Original Assignee
유대희
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from KR1020140126009A external-priority patent/KR20160026592A/ko
Application filed by 유대희 filed Critical 유대희
Publication of WO2016032071A1 publication Critical patent/WO2016032071A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/384—Payment protocols; Details thereof using social networks

Definitions

  • the present invention relates to electronic payment technology, and more particularly, to an arbitrary payment system capable of electronic payment by the same or different payers as buyers.
  • Korean Patent Publication No. 10-2003-0028126 (April 08, 2003) proposes a third party payment technology using a mobile communication terminal in which payment is made by a different payer than a buyer.
  • the present inventors have studied the technology that enables the purchaser to propagate the purchase to others through social networks or messengers or web boards or e-mails or short messages or multimedia messages.
  • the present invention has been invented under the above-described object, and provides an arbitrary payment system in which a purchaser spreads the purchase fact to others through a social network or a messenger or a bulletin board, an e-mail, a short message or a multimedia message, and enables payment by others. For that purpose.
  • Still another object of the present invention is to provide an arbitrary payment system that can guarantee the continuity of payment even if the payment is stopped due to a server error, a communication error, or the like.
  • Still another object of the present invention is to provide an arbitrary payment system capable of preventing duplication of payment by a plurality of arbitrary payers.
  • the arbitrary payment system provides an order page for entering order information to the buyer terminal to receive the order information from the buyer, order page with the order information is entered order page
  • An order page management unit for storing the URL and transmitting the order page URL to the purchaser terminal and at least one payer terminal having a payment event corresponding to the order page URL propagated randomly by the buyer terminal receiving the order page URL.
  • Process your payment by providing a payment page that corresponds to the order page URL.
  • an order payment server including a payment page management unit which guarantees payment continuity by storing a payment page according to a payment step progress from any payment terminal provided with a payment page.
  • the arbitrary payment system further comprises an order page URL providing means for providing to the at least one payer terminal an order page URL which is randomly propagated by the purchaser terminal.
  • the order page URL providing means is at least one of a social network or a messenger or a web board or an e-mail or a short message or a multimedia message.
  • the order settlement server receives the product information from the seller terminal stores the sales page including the product information in the sales page URL, and the sales page management unit for transmitting the sales page URL to the seller terminal It further comprises.
  • the arbitrary payment system further comprises a sale page URL providing means for providing the sale page URL which is randomly propagated by the seller terminal to the at least one purchaser terminal.
  • the selling page URL providing means is at least one of a social network or a messenger or a web board or an e-mail or a short message or a multimedia message.
  • the order page manager may provide an order page for inputting order information to a purchaser terminal having an order event corresponding to a sale page URL.
  • the payment page manager may mask all or a part of the personal information of the buyer included in the payment page corresponding to the order page URL.
  • the payment page management unit when the payment page management unit provides a payment page, it is characterized in that whether the payment has already been completed.
  • the payment terminal provided with the payment page is characterized in that it is determined whether the payment terminal is a payment stopper.
  • the payment page management unit is a payment terminal that has stopped payment
  • the payment page of the suspended payment step is characterized in that the payment is continued.
  • the payment page management unit when the payment page management unit is a new payer terminal instead of a payer who has stopped payment, it is characterized in that the payment is in progress by another payer without repeating the payment.
  • the payment result information page may be provided.
  • the payment page manager is characterized in that the masking process of all or part of the personal information of the buyer or payer included in the payment result information page.
  • the payment page management unit is characterized in that the payment is completed by escrow (escrow) payment processing after confirming the delivery of the goods paid.
  • the present invention enables natural product promotion and payment by others by allowing the buyer to propagate the purchase of the product to others through social networks or messengers or web boards or e-mails or short messages or multimedia messages. In a remote place such as a foreign country, it is possible to make a payment without the purchaser having a credit card or cash.
  • the present invention can ensure the continuity of payment even if the payment is stopped due to a server error, communication error, etc. at the time of payment by the arbitrary payer, it is possible to prevent the duplication of payment by a plurality of random payers to enable safe transactions.
  • FIG. 1 is a block diagram showing the configuration of an embodiment of an arbitrary payment system according to the present invention.
  • FIG. 2 is a flowchart illustrating an example of a payment procedure of an arbitrary payment system according to the present invention.
  • the arbitrary payment system 100 includes an order settlement server 110.
  • the order settlement server 110 includes an order page manager 111 and a payment page manager 112.
  • the order page manager 111 provides an order page for inputting order information to the purchaser terminal 200, receives order information from the buyer, stores the order page in which the order information is input, and places the order page URL. To the buyer terminal 200.
  • the merchandise seller uses the seller terminal 400 to provide the buyer with the sale page URL through a social network or a messenger or a web board or an e-mail or a short message or a multimedia message. This will be described later in detail.
  • An order event is generated by an action such as a purchaser who receives a sale page URL through the purchaser terminal 200 clicks on a sale page URL included in a social network or a messenger or a web board or an e-mail or a short message or a multimedia message. .
  • the order page management unit 111 provides an order page for inputting order information to the purchaser terminal 200 in which the order event corresponding to the sale page URL is generated.
  • the buyer enters order information through the order page, such as buyer name, buyer identification information, shipping address, and quantity of goods.
  • the buyer identification information may be a social network ID or a messenger ID of a buyer or a web board address or an e-mail address or a mobile phone terminal number.
  • the order page manager 111 stores the order page in which the order information is input by the buyer in the order page URL, and transmits the order page URL to the purchaser terminal 200.
  • the order page stored in the order page URL may be matched with the buyer identification information and stored in the DB.
  • the order page URL may be transmitted to the purchaser terminal 200 through a social network or a messenger or a web board or an e-mail or a short message or a multimedia message.
  • the purchaser who receives the order page URL through the purchaser terminal 200 propagates the order page URL to any payer through a social network or a messenger or a web board or an e-mail or a short message or a multimedia message.
  • any payer may be an acquaintance such as a buyer's family, relatives, lovers, friends, or the like, or may be an unknown person.
  • the payer who receives the randomly propagated order page URL through the payer terminal 300 pays by clicking an order page URL included in a social network or a messenger or a web board or an e-mail or a short message or a multimedia message. An event is triggered.
  • the payment page management unit 112 is a payment event corresponding to the order page URL that is randomly propagated by the purchaser terminal 200 that receives the order page URL to at least one payer terminal 300 to the corresponding order page URL Provide a corresponding payment page to process the payment.
  • the payment page may be a step-by-step payment page for credit card payment or bank transfer or mobile phone micropayment or point payment, etc.
  • the payment page management unit 112 any payment terminal terminal provided with the payment page (300) Payment continuity is ensured by storing the payment page as the payment step progresses from.
  • the payment page may be stored in the form of source code in the DB.
  • the payment terminal If the payment process is stopped due to a defect such as a server error or a communication error during payment, the payment terminal reads the payment page of the payment step that was interrupted from the DB where the payment retry city payment page is stored by the payment device that has been stopped in the future. Proceed to 300 to continue the payment.
  • a defect such as a server error or a communication error during payment
  • the present invention enables the natural product promotion by allowing the purchaser to propagate the purchase of the product to others through the social network or the messenger or the bulletin board or the e-mail or the short message or the multimedia message so that others can know. It is possible to make payments to others so that payments can be made at a remote location such as a foreign country without the need for a credit card or cash. In addition, payment continuity can be guaranteed even if payment is stopped due to a server error, a communication error, or the like at the time of payment by an arbitrary payer.
  • the arbitrary payment system 100 may further include an order page URL providing means 120.
  • the order page URL providing means 120 provides an order page URL randomly propagated by the purchaser terminal 200 to at least one payer terminal 300.
  • the order page URL providing means 120 may be at least one of a social network or a messenger or a web board or an e-mail or a short message or a multimedia message.
  • the purchaser propagates the order page URL to any payer via the order page URL providing means 120 such as a social network or a messenger or web board or an e-mail or a short message or a multimedia message.
  • the order page URL providing means 120 such as a social network or a messenger or web board or an e-mail or a short message or a multimedia message.
  • the payer receiving the randomly propagated order page URL through the payer terminal 300 may click on an order page URL included in a social network or a messenger or a web board or an e-mail or a short message or a multimedia message. By the payment event is generated, payment is made.
  • the order payment server 110 may further include a sales page management unit 113.
  • the sales page manager 113 receives the product information from the seller terminal 400, stores the sales page including the product information in the sales page URL, and transmits the sales page URL to the seller terminal 400.
  • the seller of the merchandise having obtained the sale page URL through the seller terminal 400 provides the buyer with the sale page URL through the social network or the messenger or the web board or the e-mail or the short message or the multimedia message. Later, the order information input by the buyer is made.
  • the arbitrary payment system 100 may further include a sale page URL providing unit 130.
  • the sale page URL providing unit 130 provides the sale page URL randomly propagated by the seller terminal 400 to the at least one purchaser terminal 200.
  • the selling page URL providing unit 130 may be at least one of a social network, a messenger, a web board, an e-mail, a short message, or a multimedia message.
  • the seller provides the sales page URL to the buyer through the sales page URL providing means 130 such as a social network or a messenger or a web board or an e-mail or a short message or a multimedia message.
  • an order event is generated by a buyer who receives the sale page URL by clicking on the sale page URL included in a social network or a messenger or a web board or an e-mail or a short message or a multimedia message. Will be done.
  • the payment page management unit 112 may be implemented to mask all or part of the buyer's personal information included in the payment page corresponding to the order page URL.
  • the payment page corresponding to the order page URL is stored in the DB and is freely accessible by any payer terminal 300, it may be abused if the personal information of the buyer entered in the payment page is exposed.
  • the payment page management unit 112 may prevent the purchaser's personal information exposure by masking all or part of the buyer's personal information included in the payment page corresponding to the order page URL.
  • the payment page management unit 112 may be implemented to determine whether the payment has already been completed, when providing the payment page. At this time, the reason for determining whether the payment has already been completed is to prevent duplicate payment, and if the payment is already completed, no further payment is made.
  • the payment page manager 112 may be implemented to determine whether the payment terminal 300 provided with the payment page is a payment terminal that has been discontinued. The reason for determining whether the payment is a stopped payment terminal is to guarantee the continuity of payment.
  • the payment page management unit 112 provides the payment page of the suspended payment step to continue the payment. However, if a new payer terminal is not a payer terminal that has been discontinued, the payment page manager 112 does not repeat the payment and notifies that the payment is in progress by another payer.
  • the payment page manager 112 when it is determined that the payment page manager 112 has completed the payment, it may be implemented to provide a payment result information page.
  • the payment result information page may be a page indicating that payment is completed, and may include personal information and a payment history of a buyer or a payer.
  • the payment result information page may include a sales page URL and randomly propagate the sales page URL.
  • the payment page management unit 112 may be implemented to mask all or part of the personal information of the buyer or payer included in the payment result information page.
  • the payment result information page is stored in the DB and is freely accessible by any payer terminal 300, the payment result information may be abused if the personal information of the buyer or the payer included in the payment result information page is exposed.
  • the payment page manager 112 may mask all or a part of the personal information of the buyer or the payer included in the payment result information page, thereby preventing the buyer or the payer from exposing the personal information.
  • the payment page management unit 112 may be implemented such that the payment is completed after confirming the delivery of goods paid by escrow (escrow) payment processing.
  • Escrow payment is a method of paying the amount of payment after the transaction is confirmed by suspending the payment time, rather than immediately paying the amount of payment for the sake of transaction safety.
  • the present invention enables the natural product promotion by allowing the purchaser to propagate the purchase of the product to others through the social network or the messenger or the bulletin board or the e-mail or the short message or the multimedia message so that others can know. It is possible to make payments to others so that payments can be made at a remote location such as a foreign country without the need for a credit card or cash.
  • the present invention can ensure the continuity of payment even if the payment is stopped due to server error, communication error, etc. at the time of payment by the arbitrary payer, it is possible to prevent the duplication of payment by a plurality of random payers, and also prevent personal information leakage It is possible to do safe transactions.
  • FIG. 2 is a flowchart illustrating an example of a payment procedure of an arbitrary payment system according to the present invention.
  • step 610 the seller inputs product information that the seller wants to sell by accessing the order payment server 100 using the seller terminal 400.
  • the product information may include a product name, a price, seller information, and the like.
  • the order settlement server 100 stores the sales page including the product information in the sales page URL, and transmits the sales page URL to the seller terminal 400.
  • the sales page URL may be transmitted to the seller through a social network or a messenger or a web board or an e-mail or a short message or a multimedia message.
  • the seller who confirms the sale page URL in step 630 provides the purchaser terminal 200 with the sale page URL through the seller terminal 400.
  • the sale page URL may be transmitted to the buyer through a social network or a messenger or a web board or an e-mail or a short message or a multimedia message.
  • the buyer who receives the sales page URL generates an order event through the purchaser terminal 200.
  • the order event may be generated by an action such as a purchaser clicking on a sale page URL included in a social network or a messenger or a web board or an e-mail or a short message or a multimedia message.
  • the order settlement server 100 provides an order page for inputting the order information to the purchaser terminal (200).
  • the order information may include a buyer name, buyer identification information, shipping address, product quantity, etc.
  • the buyer identification information may include a buyer's social network ID or messenger ID or a web address or e-mail address or a mobile terminal phone number. And the like.
  • the order payment server 100 stores the order page in which the order information is input in the order page URL in step 730, and transmits the order page URL to the purchaser terminal 200.
  • the order page URL may be transmitted to the buyer through a social network or a messenger or a web board or an e-mail or a short message or a multimedia message.
  • the buyer Upon receiving the order page URL, the buyer propagates the order page URL to an arbitrary payer terminal 300 in step 810.
  • the order page URL may be transmitted to the payer through a social network or a messenger or a web board or an e-mail or a short message or a multimedia message.
  • the payer having received the order page URL in step 820 generates a payment event through the payer terminal 300.
  • the payment event may be generated by an action such as a payer clicking an order page URL included in a social network or a messenger or a web board or an e-mail or a short message or a multimedia message.
  • step 830 the order payment server 100 provides a payment page corresponding to the order page URL to the payer terminal 300 to process the payment.
  • the payment page may be a step-by-step payment page for credit card payment or bank transfer or mobile phone micropayment or point payment, etc.
  • the payment page management unit 112 any payment terminal terminal provided with the payment page (300) Payment continuity can be guaranteed by storing the payment page according to the progress of the payment step.
  • the payment terminal If the payment process is stopped due to a defect such as a server error or a communication error during payment, the payment terminal reads the payment page of the payment step that was interrupted from the DB where the payment retry city payment page is stored by the payment device that has been stopped in the future. Proceed to 300 to continue the payment.
  • a defect such as a server error or a communication error during payment
  • the order settlement server 100 may process escrow payment to implement payment so that payment is completed after confirming delivery of the paid product, thereby increasing payment stability.
  • it may be implemented to prevent the exposure of personal information by masking all or part of the personal information of the payer included in the payment page.
  • the present invention is a natural product promotion by enabling the purchaser to spread the fact that the purchaser to others through the social network or messenger or bulletin board or e-mail or short message or multimedia message to others to know.
  • a remote place such as a foreign country without having a credit card or cash.
  • the present invention can ensure the continuity of payment even if the payment is stopped due to server error, communication error, etc. at the time of payment by the arbitrary payer, it is possible to prevent the duplication of payment by a plurality of random payers, and also prevent personal information leakage Since it is possible to secure a transaction, it is possible to achieve the object of the present invention presented above.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un système de paiement aléatoire qui permet à un acheteur de propager le fait d'un achat à une autre personne au moyen d'un réseau social, d'un programme de messagerie, d'un panneau d'affichage Web, d'un courrier électronique, d'un message textuel, d'un message multimédia etc. de façon à ce que l'autre ait connaissance de l'achat, ce qui permet de promouvoir naturellement des produits et de régler des paiements par une autre personne, et permet ainsi de régler un achat à partir d'un site distant, tel qu'un pays étranger, même lorsqu'un acheteur n'est pas en possession d'une carte de crédit ou d'argent liquide.
PCT/KR2014/013110 2014-08-28 2014-12-31 Système de paiement aléatoire WO2016032071A1 (fr)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
KR1020140113507 2014-08-28
KR10-2014-0113507 2014-08-28
KR1020140126009A KR20160026592A (ko) 2014-09-22 2014-09-22 임의 결제 시스템
KR10-2014-0126009 2014-09-22

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WO2016032071A1 true WO2016032071A1 (fr) 2016-03-03

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP3503009A1 (fr) * 2017-12-20 2019-06-26 Mastercard International Incorporated Intégration de commandes et d'achats

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20090014002A (ko) * 2007-08-03 2009-02-06 주식회사 씨제이홈쇼핑 Ｉｐｔｖ 쇼핑몰에서의 타인 대행결제 처리 장치
KR100930457B1 (ko) * 2004-08-25 2009-12-08 에스케이 텔레콤주식회사 이동통신단말을 이용한 인증 및 결제 시스템과 방법
KR20130062386A (ko) * 2011-10-18 2013-06-13 인포뱅크 주식회사 정보처리 방법 및 시스템과 기록매체
KR20140032556A (ko) * 2012-09-06 2014-03-17 주식회사 쉐어링크 온라인 쇼핑몰 상품 추천방법 및 시스템

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100930457B1 (ko) * 2004-08-25 2009-12-08 에스케이 텔레콤주식회사 이동통신단말을 이용한 인증 및 결제 시스템과 방법
KR20090014002A (ko) * 2007-08-03 2009-02-06 주식회사 씨제이홈쇼핑 Ｉｐｔｖ 쇼핑몰에서의 타인 대행결제 처리 장치
KR20130062386A (ko) * 2011-10-18 2013-06-13 인포뱅크 주식회사 정보처리 방법 및 시스템과 기록매체
KR20140032556A (ko) * 2012-09-06 2014-03-17 주식회사 쉐어링크 온라인 쇼핑몰 상품 추천방법 및 시스템

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP3503009A1 (fr) * 2017-12-20 2019-06-26 Mastercard International Incorporated Intégration de commandes et d'achats
US11775961B2 (en) 2017-12-20 2023-10-03 Mastercard International Incorporated Order and purchase integration

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