KR20170100917A - Token based settlement system and method - Google Patents
Token based settlement system and method Download PDFInfo
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- KR20170100917A KR20170100917A KR1020160023405A KR20160023405A KR20170100917A KR 20170100917 A KR20170100917 A KR 20170100917A KR 1020160023405 A KR1020160023405 A KR 1020160023405A KR 20160023405 A KR20160023405 A KR 20160023405A KR 20170100917 A KR20170100917 A KR 20170100917A
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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
- G06Q20/08—Payment architectures
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- G06F17/30879—
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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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
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
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- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention relates to a settlement token-based order settlement system, in which a settlement URL corresponding to order information is provided in the form of a settlement token, a payment token is easily recognized through a settlement client terminal .
Description
The present invention relates to an order payment technology, and more particularly to a payment token based payment system and method.
Korean Patent No. 10-1505031 (Feb. 31, 2015) can promote a product by using URL-type sales access information without operating a separate online shopping mall. When a product purchaser selects a URL type Quot ;, and suggests an e-commerce technology using a URL that can purchase and settle a commodity without purchasing a separate member or using a credit card by using the purchase access information of the purchaser.
The present inventor has proposed a settlement token-based order settlement technology capable of providing a settlement URL corresponding to order information in the form of a settlement token and capable of easily recognizing a settlement token through a settlement person's mobile terminal, .
The present invention provides a settlement token-based order payment system and method that can provide a settlement URL corresponding to order information in the form of a payment token and can easily settle a settlement token through a payer's mobile terminal regardless of place The purpose is to provide.
According to an aspect of the present invention, there is provided a billing token-based order settlement system, comprising: an order request receiving unit receiving order request information from a store terminal; An order information generating unit for generating and storing order information corresponding to the order request information received by the order request receiving unit; A billing URL generating unit for generating and storing a billing URL corresponding to the order information generated by the order information generating unit; A settlement token generating unit for generating a settlement token corresponding to the settlement URL generated by the settlement URL generating unit; A payment token providing unit for providing the payment token generated by the payment token generating unit to the store terminal or the payer mobile terminal; And an order information processing server including the order information processing server.
According to a further aspect of the present invention, there is provided an order information page generating unit for generating an order information page corresponding to the order information generated by the order information generating unit; And further comprising:
According to a further aspect of the present invention, the payment token providing unit transmits the payment token including the payment token to the order information page generated by the order information page generating unit.
According to a further aspect of the present invention, the payment token is a payment QR code in which payment URL information is recorded.
According to a further aspect of the present invention, there is provided a billing apparatus comprising: a payment token recognition unit for recognizing a payment token by the payer's mobile terminal; A settlement URL extracting unit for extracting a settlement URL from the settlement token recognized by the settlement token recognition unit; A settlement URL connection unit for accessing the settlement URL extracted by the settlement URL extraction unit; And a payment application including the payment application.
According to a further aspect of the present invention, the settlement token-based order settlement system performs settlement processing according to a settlement request from a settlement client terminal accessing a settlement URL, and provides a settlement result to a settlement client terminal or a store terminal A payment server; And further comprising:
According to a further aspect of the present invention, the settlement token-based order settlement system stores the settlement result performed by the settlement server, and the settlement information management system provides the settlement result information in response to the settlement result inquiry request from the store terminal Server; And further comprising:
According to another aspect of the present invention, a payment token-based order settlement method includes receiving an order request information from a store terminal; The order information processing server generating and storing order information corresponding to the received order request information; The order information processing server generates and stores a payment URL corresponding to the generated order information; The order information processing server generating a payment token corresponding to the generated payment URL; The order information processing server providing the generated payment token to the store terminal or the payer mobile terminal; And the like.
According to a further aspect of the present invention, the payment token-based order settlement method includes receiving a settlement token provided from an order information processing server by a store terminal or a payer mobile terminal and displaying it on a screen; And further comprising:
According to a further aspect of the present invention, the settlement token based on the settlement token-based order settlement method is displayed on the screen through the store terminal or the payer's mobile terminal through the payment application of the payer's mobile terminal, The mobile terminal is forcibly connected to the settlement page corresponding to the settlement URL to perform settlement; And further comprising:
According to a further aspect of the present invention, when the buyer selects a purchase item type and a quantity from an online store such as an offline store or a shopping mall site, Wow; Generating order request information including a product type and a quantity and transmitting the order request information to the order information processing server; And further comprising:
The present invention can provide a billing token corresponding to order information in the form of a payment token and can easily recognize a payment token through a payer mobile terminal regardless of a place to perform settlement, .
1 is a network diagram of a payment token-based order payment system according to the present invention.
2 is a block diagram illustrating a configuration of an order information processing server of an order settlement system based on a settlement token according to an embodiment of the present invention.
FIG. 3 is a block diagram illustrating a payment application installed in a payer mobile terminal of a payment token based payment system according to an embodiment of the present invention. Referring to FIG.
FIG. 4 is a flowchart illustrating an example of an order settlement processing operation of the settlement token-based order settlement system according to the present invention.
DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout.
In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.
The terms used throughout the specification of the present invention have been defined in consideration of the functions of the embodiments of the present invention and can be sufficiently modified according to the intentions and customs of the user or operator. It should be based on the contents of.
1 is a network diagram of a payment token-based order payment system according to the present invention. 1, the payment token-based order payment system according to this embodiment includes an order
The order
At this time, the payment URL is information for identifying the payment page to which the payer
The
For example, the
The payer's
The
At this time, the
On the other hand, a payment request of various methods such as online credit card payment, online account transfer, mobile phone micro payment, and rechargeable electronic money payment can be transmitted to the
The payment
2 is a block diagram illustrating a configuration of an order information processing server of an order settlement system based on a settlement token according to an embodiment of the present invention. 2, the order
The order
When a purchaser selects a purchase product type and quantity from an online store such as an offline store or a shopping mall site, the purchaser selects a purchase item type and a quantity from a store, such as a POS terminal installed in an offline store, or a virtual terminal of software provided in an online store such as a shopping mall site The type of goods and the quantity of goods are inputted through the
Then, the
The order
The settlement
The settlement
The
The payment token displayed on the screen through the
According to the present invention, the payment URL corresponding to the order information is provided in the form of a payment token such as a QR code, and the settlement token can be easily recognized and paid by a payer mobile terminal Therefore, user convenience can be improved.
According to a further aspect of the present invention, the order
The order information page generated by the order information
According to a further aspect of the present invention, the
For example, the
Then, an order information page including a payment token in the form of a payment QR code is displayed on the screen through the
FIG. 3 is a block diagram illustrating a payment application installed in a payer mobile terminal of a payment token based payment system according to an embodiment of the present invention. Referring to FIG. 3, the
The payment
The settlement token transmitted from the order
The settlement
The settlement
At this time, various types of payment requests such as online credit card payment, online account transfer, and mobile phone small payment can be transmitted to the
On the other hand, the settlement result performed by the
According to the present invention, the payment URL corresponding to the order information is provided in the form of a payment token such as a QR code, and the settlement token can be easily recognized and paid by a payer mobile terminal Therefore, user convenience can be improved.
The order settlement processing operation of the settlement token based order settlement system according to the present invention as described above will be described with reference to FIG. FIG. 4 is a flowchart illustrating an example of an order settlement processing operation of the settlement token-based order settlement system according to the present invention.
In
Then, in
Then, in
Next, in
Then, at
Then, in
Then, in
According to the present invention, the payment URL corresponding to the order information is provided in the form of a payment token such as a QR code, and the payment token is easily recognized through the payer's mobile terminal, And convenience can be improved, so that the object of the present invention can be achieved.
While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. .
The present invention is industrially applicable in the field of custom payment technology and its application technology.
100: Order information processing server
110: order request receiver
120: order information generating unit
130: Billing URL generating unit
140: Payment token generation unit
150: Payment Token Offering
160: order information page generating unit
200: Store terminal
300: Payer Mobile terminal
310: Billing Apps
311: Billing token recognition unit
312: Payment URL extracting unit
313: Billing URL connection
400: Payment Server
500: Billing information management server
Claims (12)
An order information generating unit for generating and storing order information corresponding to the order request information received by the order request receiving unit;
A billing URL generating unit for generating and storing a billing URL corresponding to the order information generated by the order information generating unit;
A settlement token generating unit for generating a settlement token corresponding to the settlement URL generated by the settlement URL generating unit;
A payment token providing unit for providing the payment token generated by the payment token generating unit to the store terminal or the payer mobile terminal;
And an order information processing server including the order information processing server.
Wherein the order information processing server comprises:
An order information page generating unit for generating an order information page corresponding to the order information generated by the order information generating unit;
Wherein the settlement token-based order payment system further comprises:
The settlement token providing section:
Wherein the order information page includes a payment token and transmits the payment token to the order information page generated by the order information page creation unit.
If the payment token is:
And a payment QR code in which payment URL information is recorded.
Wherein the payer mobile terminal:
A payment token recognition unit for recognizing a payment token;
A settlement URL extracting unit for extracting a settlement URL from the settlement token recognized by the settlement token recognition unit;
A settlement URL connection unit for accessing the settlement URL extracted by the settlement URL extraction unit;
And a billing token based payment system including a billing token based payment system.
Wherein the payment token based order payment system comprises:
A settlement server for performing settlement processing in response to a settlement request from a settlement client terminal connected to a settlement URL and providing a settlement result to a settlement operator terminal or a store terminal;
Wherein the settlement token-based order payment system further comprises:
Wherein the payment token based order payment system comprises:
A payment information management server for storing a payment result performed by the payment server and providing payment result information in response to a payment result inquiry request from a store terminal;
Wherein the settlement token-based order payment system further comprises:
The order information processing server generating and storing order information corresponding to the received order request information;
The order information processing server generates and stores a payment URL corresponding to the generated order information;
The order information processing server generating a payment token corresponding to the generated payment URL;
The order information processing server providing the generated payment token to the store terminal or the payer mobile terminal;
Wherein the settlement token-based order settlement method comprises:
Wherein the payment token based order payment method is:
Receiving a payment token provided by the order information processing server from a store terminal or a payer mobile terminal and displaying the received payment token on a screen;
Wherein the settlement token-based order payment method further comprises:
Wherein the payment token based order payment method is:
The payment token displayed on the screen through the store terminal or the payer mobile terminal is recognized by the payment application of the payer mobile terminal and the payment URL is extracted and the payer mobile terminal is forcibly connected to the payment page corresponding to the payment URL, A step performed;
Wherein the settlement token-based order payment method further comprises:
Wherein the payment token based order payment method is:
When a buyer selects a purchase item type and quantity from an online store such as an offline store or a shopping mall site, a product type and a quantity are inputted through the store terminal;
Generating order request information including a product type and a quantity and transmitting the order request information to the order information processing server;
Wherein the settlement token-based order payment method further comprises:
Wherein the payment token is a payment QR code in which payment URL information is recorded.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020160023405A KR20170100917A (en) | 2016-02-26 | 2016-02-26 | Token based settlement system and method |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020160023405A KR20170100917A (en) | 2016-02-26 | 2016-02-26 | Token based settlement system and method |
Publications (1)
Publication Number | Publication Date |
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KR20170100917A true KR20170100917A (en) | 2017-09-05 |
Family
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KR1020160023405A KR20170100917A (en) | 2016-02-26 | 2016-02-26 | Token based settlement system and method |
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KR (1) | KR20170100917A (en) |
Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20190117064A (en) * | 2018-04-06 | 2019-10-16 | 주식회사 에이비씨 | Mehtod display address information of electronic wallet to increase information reliability |
KR20210006219A (en) * | 2019-07-08 | 2021-01-18 | 주식회사 에스비아이앤씨 | A order and delivery system with integral type of sellers and deliverers |
-
2016
- 2016-02-26 KR KR1020160023405A patent/KR20170100917A/en not_active Application Discontinuation
Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20190117064A (en) * | 2018-04-06 | 2019-10-16 | 주식회사 에이비씨 | Mehtod display address information of electronic wallet to increase information reliability |
KR20210006219A (en) * | 2019-07-08 | 2021-01-18 | 주식회사 에스비아이앤씨 | A order and delivery system with integral type of sellers and deliverers |
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