WO2011065649A1 - System and method for providing payment using a transaction amount input window - Google Patents

System and method for providing payment using a transaction amount input window Download PDF

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Publication number
WO2011065649A1
WO2011065649A1 PCT/KR2010/005204 KR2010005204W WO2011065649A1 WO 2011065649 A1 WO2011065649 A1 WO 2011065649A1 KR 2010005204 W KR2010005204 W KR 2010005204W WO 2011065649 A1 WO2011065649 A1 WO 2011065649A1
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WO
WIPO (PCT)
Prior art keywords
seller
payment
window
transaction
buyer
Prior art date
Application number
PCT/KR2010/005204
Other languages
French (fr)
Korean (ko)
Inventor
양진호
Original Assignee
Yang Jin Ho
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 KR1020090116751A external-priority patent/KR20110025727A/en
Application filed by Yang Jin Ho filed Critical Yang Jin Ho
Priority to CN2010800541267A priority Critical patent/CN102667836A/en
Priority to JP2012541927A priority patent/JP5550083B2/en
Publication of WO2011065649A1 publication Critical patent/WO2011065649A1/en

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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

Definitions

  • the present invention relates to a system and method for providing a payment means using a transaction amount input window, and more specifically, provides a payment means to a product sales bulletin board operated by a website or a community operated by a community or the like.
  • the purchaser completes a payment window by inputting a purchase amount in consideration of the variability of the final amount of the transaction product generated in the transaction environment between the individual and the individual, and then deposits the corresponding payment amount. will be.
  • a typical example is an auction site, which is expensive and administratively difficult for small e-commerce sites to build and operate on their own.
  • www.unicro.co.kr a company that provides an escrow payment method after partnering with a site to receive service.
  • a site called www.unicro.co.kr is affiliated with a camera club site called www.pentaxclub.co.kr, and a group member on www.pentaxclub.co.kr wants to sell a camera or its accessories.
  • the conventional escrow payment settlement system and method provides an escrow payment window by determining a transaction amount when a seller registers an item.
  • Another problem is that although the conventionally used escrow payment system is only responsible for payment, there is a problem of separately uploading item information to be sold to a system that provides escrow payment. From the seller's point of view, he is doing a double task of uploading the goods information not only to the site where he or she is bargaining for the goods, but also to the payment system that handles the escrow payment. In this situation, the conventional method provided by the escrow payment system is known from the seller's point of view that the payment can be secured, but the situation is not widely used because it is inconvenient to use.
  • the present invention is to solve the above problems, it is an object of the present invention to provide a payment method and system that can be easily settled without a prior agreement between the site and the site.
  • Still another object of the present invention is to provide a payment method and system that allows a seller to easily modify a direct payment window by using a determined sale amount after a price bargain is made between the seller and the buyer, and make a payment through which the payment is made. It aims to do it.
  • Another object of the present invention is to provide a payment method and system that can easily provide the item name that the seller sells in the payment window.
  • An object of the present invention is a transaction settlement providing system for providing a payment means between the seller system and the buyer system in the transaction of goods between the seller system and the buyer system using a web environment connected to the Internet network, which completes the membership registration Specific transaction information data that generates a deposit window containing the seller's member identifier as meta information to the seller system to the seller system, and the seller system stores the deposit window in a web environment and includes a transaction amount in the deposit window.
  • the buyer presses the exposed deposit window while additionally inputting to the web environment after receiving the detailed transaction information data and the member identifier of the seller from the web environment, the specific transaction information is transmitted to the buyer system. Which provides the amount confirmation window in which the data is displayed.
  • Another object of the present invention is a transaction payment providing method for providing a payment method between the seller system and the buyer system in the transaction of goods between the seller system and the buyer system using a web environment connected through the Internet network, the seller as a member
  • the specific transaction information data including the transaction amount after storing in the web environment, and the buyer presses the exposed deposit window, the amount confirmation window including the specific transaction information data to the buyer system
  • a transaction decision comprising the third step of providing a It can be achieved by providing method.
  • the seller can easily modify and input the transaction so that a bargain frequently occurs between the seller and the buyer so that the price can be easily applied. It became.
  • the present invention refrains from providing transaction details for each product, and integrates a product DB or a transaction DB between a site providing a payment method and a site receiving such a service by using a deposit window uniquely generated for each member who sells the product. This eliminates the need for prior coordination, so the payment method can be applied to any web environment.
  • the seller can easily register the name of the item to be sold in the payment window, etc., and can easily trade multiple items even when using one payment window given to the seller. have.
  • FIG. 1 is a block diagram of a peripheral system including a transaction settlement providing system according to the present invention.
  • FIG. 2 is a flowchart illustrating a work flow between a transaction settlement providing system and a peripheral system according to the present invention
  • FIG. 5 is an example in which a purchaser "healthman" who purchases the product of FIG. 4 enters an amount confirmation window.
  • FIG. 6 is an example in which the purchaser "diameter Xinhua" purchasing the goods of FIG. 4 inputs the amount confirmation window.
  • FIG. 8 is a flowchart illustrating a work flow between a transaction settlement providing system and a peripheral system according to the present invention
  • 9 is an example showing a member registration screen.
  • 10 is an example of a deposit window provided to a member.
  • 11 is an example of copying the deposit window in the email body and sending it to the buyer when sending an email via blue.
  • Figure 13 is a specific embodiment of the amount confirmation window when the buyer is a member of the payment providing system.
  • FIG. 1 is a block diagram of a peripheral system including a transaction settlement providing system according to the present invention.
  • the payment providing system is connected to a payment gateway company, a web environment, a seller system, and a buyer system through an internet network, and is connected to a financial institution system through a dedicated line.
  • Transaction payment providing system is a transaction payment providing system that provides a payment method between the seller and the buyer in the transaction of goods between the seller and the buyer using a web environment connected through the Internet network, by creating a unique deposit window for each member Provide a copy of the deposit window to the web environment, and a member who is a seller copies the unique deposit window and exposes it to the web environment, and then uses an HTML (Hyper Text Markup Language) editor provided by the web environment. Enter specific transaction information data including sales price and product name in the unique deposit window by using it.When the buyer presses the exposed deposit window, the specific transaction information data is received and interpreted, and then the sales price and article are sent to the buyer. A price confirmation window with name information is provided.
  • the system configuration is composed of a device usually called a server computer to which an input / output device is attached.
  • the transaction settlement providing system includes a member DB that stores information about registered members, a memory that stores a transaction approval code designated by the seller in advance, and a product information DB that stores url information of a web environment in which items for each member are sold. If the buyer is a member, the member purchase DB that stores the purchase information for each member, and if the buyer is a non-member non-member purchase DB for storing the non-member purchase information is provided.
  • the financial institution system provides a virtual account to the transaction settlement providing system, and at the request of the transaction settlement providing system, informs the transaction details of the members of the transaction settlement providing system through a leased line or whenever a periodic or deposit occurs, You will be provided with the member's deposit details.
  • PG is a system that provides various payment methods such as credit card payment, bank account payment, cyber money payment, and mobile phone payment, instead of transaction payment system when the buyer deposits the purchase price in the web environment.
  • various payment methods such as credit card payment, bank account payment, cyber money payment, and mobile phone payment, instead of transaction payment system when the buyer deposits the purchase price in the web environment.
  • a web environment is a site operation apparatus that provides an activity space on the Internet to a seller system and a buyer system, and provides an activity space on the internet such as a fellowship site, a personal homepage, a forum, a mini homepage, a blog, and a bulletin board to the seller system and a buyer system.
  • the seller system is a computer device operated by an individual who sells goods and registers the created payment window and registers it in a web environment.
  • the seller system generally means a personal computer device.
  • the shopper system surfs the web in the internet space provided by the web environment. When the item to be purchased is found, it means the personal computer device of the buyer who makes a payment through the exposed deposit window.
  • FIG. 2 is a flowchart illustrating a work flow between a transaction settlement providing system and a peripheral system according to the present invention.
  • the merchant system registers as a transaction settlement providing system (ST1).
  • ST1 a transaction settlement providing system
  • a member ID, password, address, account number to be deposited, and a transaction approval code for approving a transaction are input.
  • the contents are stored in the member DB.
  • the account number and the transaction approval code may be requested in a separate step without request when registering as a member, and may be stored in a separate DB instead of a member DB.
  • the transaction settlement providing system generates a unique deposit window for each member (ST2).
  • the deposit window is shown as a simple button in appearance when exposed to the web environment, and the button stores a member identifier (for example, a member ID) that identifies a member who is a seller as meta information.
  • a member identifier for example, a member ID
  • a unique deposit window for each member is a term used to contrast a unique deposit window with the product being sold by a normal e-commerce system as a key. If the same member is used, it is unique regardless of the type and quantity of products sold. It is given as one.
  • the seller who sells the goods in the auction (www.auction.co.kr) site can select the goods for sale in order to know the sales quantity and deposit details of the goods, so that the details can be known.
  • the seller of user 1 is selling five bicycles and three golf clubs, a web page for selling bicycles and a web page for selling golf clubs are separately generated, and a payment button is present on each product's sales web page. Done. Each payment button is created and managed by subordinate to the corresponding product.
  • the user 1 can select the bicycle from among the products being sold, and the user can select the golf club from the products being sold to check the deposit history of the golf club. That is, the auction site system should be understood that a unique deposit window is provided for each member rather than a unique deposit window. In other words, a deposit situation or the like is provided using a key being sold.
  • the present invention generates a web page for selling bicycles and a web page for selling golf clubs when a seller named user 1 is selling five bicycles and three golf clubs in the same situation.
  • all items may be sold using a single web page, or each web page may be generated and sold for each item.
  • only one web page is used, of course, only one deposit window will be generated, so a case of generating each web page for each item will be described.
  • the deposit window exposed on the web page is apparently there exist two copies of the same button. It is nothing more than a thing. This is because the deposit window provided in the present invention is a unique deposit window for each member.
  • the seller registers the product to be sold in the web environment, copies the deposit window, and exposes it to the web environment (ST3).
  • Copying of the deposit window is made by copying from the transaction payment providing system to the seller's clipboard and pasting it into the web environment.
  • the button of the deposit window copies the url of the web environment and transmits it to the transaction payment providing system, and the transaction payment providing system which receives it is stored in the sales DB for each member.
  • the seller additionally inputs specific transaction information data including a selling price and a product name in a unique deposit window using an HTML (Hyper Text Markup Language) editor provided by the web environment (ST4).
  • HTML Hyper Text Markup Language
  • the buyer system surfs the web environment and finds a product to purchase (ST5), the purchaser system requests the seller to purchase through a text, chat or phone number of the seller described in the web environment (ST6). ). If the seller system wants to sell the product, the transaction approval code is transmitted via text, chat, or telephone (ST7), and the buyer system inputs the transaction approval code (ST8).
  • Entering a transaction authorization code usually provides a window for entering the transaction authorization code when the seller clicks on a deposit window that has been exposed to the web environment, and the buyer system uses the window to expose the transaction authorization code sent from the seller. To enter.
  • the input transaction approval code is transmitted to the transaction payment providing system, and the transaction payment providing system compares the transaction approval code transmitted from the buyer system with the transaction approval code registered in advance by the seller to check whether there is a match.
  • the transaction approval code registered in advance by the seller is stored in the member DB or a separate DB, and this DB is ultimately stored in the memory of the transaction payment providing system.
  • the transaction settlement providing system interprets the specific transaction information data (ST10), and provides the amount confirmation window including the specific transaction information to the buyer system using the analyzed specific transaction information (ST11). .
  • Figure 3 shows an example of the amount confirmation window.
  • the buyer system checks whether a member of the transaction settlement providing system. In the case of a member, a shipping address and a member identifier (for example, a member ID) stored in the payment providing system are taken and displayed in the amount confirmation window. If you are a non-member, you will have to manually enter all the information presented in the amount confirmation window.
  • the buyer inputs the remaining information including the transaction quantity, the delivery address information, the shipping charge settlement agent, the purchase name, and the transaction memo required for the transaction (ST12).
  • the present invention is not constructed as a system for determining whether to deposit each product, a purchase brand name indicating which product to purchase is inputted, and information about a transaction memo is additionally input.
  • Korean Patent Application No. 10-2008-116867 filed by the inventor of the present application only one unique payment window is provided for each seller in the case of a unique payment window for each member.
  • the applicant is not able to easily change the amount if the seller sells a large number of items, and the buyer cannot provide the name of the item to be purchased in the amount confirmation window presented to the buyer. There was an inconvenience to describe.
  • the above two problems arising from Korean Patent Application No. 10-2008-116867 filed by the inventor of the present application can be solved using specific transaction information data.
  • the seller when the buyer makes a deposit, the seller can easily determine which product is settled using the 'item name' included in the specific transaction information data. Another easy way to determine whether a product has been sold is to store the product's url when the seller registers the product, and to retrieve the product's url when the buyer wants to buy the product. Compared to the stored url at the time of registration, both can be displayed as related, but this method is also difficult to tell the data on how much quantity was sold by product and how much sales.
  • the purchaser's telephone number is also inputted. If the buyer is a member of the transaction settlement providing system, the purchaser can bring it from the corresponding system, but if the buyer is a non-member, enter it directly. In addition to the purchaser's phone number, an e-mail address or the like may be entered, and buyer-specific information such as a phone number or e-mail address may be used as a key value for providing non-member purchase information in the future.
  • the transaction approval code is inputted, but the transaction approval code is inputted before the amount confirmation window as illustrated in FIG. 2 or together with the amount confirmation window as shown in FIG. 3. can do. Even when entering into the amount confirmation window, as shown in Figure 3, the comparison of the transaction approval code pre-registered by the seller must be performed before the transaction approval.
  • the amount confirmation window should also have the member identifier of the transaction payment provision system that registered the product as meta information.
  • the transaction settlement providing system stores the content of the amount confirmation window input (ST13).
  • Such storage is performed in the form of a DB or a table.
  • the input contents of the amount confirmation window are stored in the product information DB.
  • a product information DB or a sales DB is generated at the time when a seller registers an item to be sold.
  • the product information DB or the sales DB means a DB that stores information about a product to be sold by the seller.
  • the transaction payment providing system does not need to store a product to be sold until this step because the seller does not have a special transaction just by exposing the deposit window to the web environment.
  • the product information DB or the sales DB may be generated when the buyer clicks the deposit window or when the buyer completes the deposit.
  • the product information DB stores information about payment amount, quantity, web environment url, purchased product, shipping address, buyer phone number, and transaction memo.
  • the transaction payment provision system should provide the buyer with information on the product that has been purchased.
  • the member provides the contents using the member purchase DB
  • the non-member provides the purchase contents using the non-member purchase DB.
  • Member purchase DB stores "Member ID, payment amount, quantity, transaction web environment url, shipping address, buyer phone number, purchase name, transaction memo", and non-member purchase DB "payment amount, quantity, transaction web environment url, shipping address” , Buyer phone number, purchase name, and transaction memo "are stored. If the buyer needs to log in to the transaction payment provisioning system and understand the progress of the purchase, the member should log in using the member ID. If the member is a non-member, the buyer's telephone number or email address can identify the non-member. Etc. to use.
  • the transaction payment providing system provides a payment module and induces payment according to the payment method selected by the buyer (ST15, ST16, ST17).
  • the method of providing a payment module according to a deposit method is widely used in an auction site, so a detailed description thereof will be omitted.
  • the transaction settlement providing system can process the seller's virtual account number by notifying the buyer, and in the case of credit card and mobile phone payment, notify the payment amount to PG company and make payment through PG company. Act on behalf of.
  • the buyers and sellers are notified of the payment details, and the steps of requesting the seller to deliver the goods and the steps of approving the transaction are similar to those of the auction site and the G market site. .
  • the center for the sale or purchase of goods is not provided for each product, but for each seller. Therefore, when the same seller sells multiple items, the product DB is not provided in the transaction settlement providing system, so detailed information about how much is sold and how much is left is not known. This is because the transaction targeted by the present invention mainly focuses on selling a small number of items between individuals, so that the details of the transaction between the seller and the buyer can be confirmed as a purchase name and a transaction memo.
  • the three payment windows 4-1, 4-2, and 4-3 presented store the member identifier of the seller as meta information.
  • the procedure of FIG. 2 is performed up to the step ST3, that is, only the step of copying the deposit window to the corresponding web environment, all are stored in the web environment as the same deposit window.
  • the three deposit windows 4-1, 4-2, and 4-3 shown in FIG. 4 are stored with different meta information because different specific transaction information data is input as the ST4 step of FIG.
  • www.eummoney.com is the domain address of the transaction settlement providing system, and the member identification ID corresponds to the seller identifier.
  • the html language corresponding to each deposit window is changed and stored into a deposit window in which a price and a product name are specifically specified.
  • FIG. 5 is an example in which the purchaser “Healthman” inputs the amount confirmation window to purchase a health bike
  • Figure 6 is an example in which the buyer “diameter Xinhua” input the amount confirmation window to have a Seiko watch.
  • the deposit windows presented in the present invention can be repeatedly used among a plurality of buyers. It can be.
  • the transaction payment providing system executes the jsp statement stored in the deposit window, and additionally enters the specific transaction information after the separator (/). After interpreting the data, it is displayed in the amount confirmation window.
  • the transaction payment providing system obtains the address (shipping address) and the buyer's phone number stored in the system if the "HealthMan” is a member of the transaction payment providing system, and displays it on the amount confirmation window.
  • “HealthMan” can be modified.
  • the transaction page is not inputted by the buyer “Healthman”, but when the amount confirmation window is generated, it obtains and displays information about the URL of the web page provided with the deposit window.
  • the buyer “Healthman” enters the quantity, the shipping agent, the payment method, and the transaction memo. If a trade name to be purchased is entered in the transaction memo field, the purchased product field may be omitted since it is overlapping information.
  • the buyer “Diamond Entrepreneur” is not a member of the transaction settlement providing system, so the remaining information except for the transaction page is directly input.
  • the information input by the buyer is stored in the transaction payment providing system in a DB or table form.
  • the present invention is not a method of automatically determining whether the corresponding product is sold, but specific transaction information data input by the seller in the deposit window or transaction memo input by the buyer. It can be seen that by visually confirming that a product has been traded by allowing it to be displayed to the seller.
  • FIG. 8 is a flowchart illustrating a work flow between a transaction settlement providing system and a peripheral system according to the present invention.
  • the merchant system registers as a transaction payment providing system (s1). 9 shows an example of a member registration screen.
  • a member When a member is registered, a real name confirmation, a member ID, a password, and an e-mail are input. The contents are stored in a member DB. The payment account is entered as soon as the real money is withdrawn from the payment system.
  • the transaction settlement providing system generates a unique deposit window for each member to the member who has completed the membership registration (s2).
  • the deposit window is shown as a simple button in appearance when exposed to the web environment, and the button stores a member identifier (for example, a member ID) that identifies a member who is a seller as meta information.
  • a unique deposit window for each member is a term used to contrast a unique deposit window with the product being sold by a normal e-commerce system as a key. If the same member is used, it is unique regardless of the type and quantity of products sold. It is given as one.
  • the deposit window 10 is an example of a deposit window provided to a member.
  • the deposit window is provided in three forms. The first is the image form 101 that can be used in the image bulletin board, the second is the HTML form 103, and finally the URL form 105.
  • An example of source code for copying to a clipboard to provide a deposit window in an image bulletin board 101 to a web environment is an example of implementing JavaScript "function copy_all ()".
  • the first var text statement specifies the area of the image to copy
  • the second text.select () statement selects the area
  • the last statement copies it to the vendor's clipboard.
  • the source code provided in HTML form 103 is
  • the source code provided in URL form 105 is
  • the deposit window provided according to the present invention includes meta information for generating a window including a member identifier of a seller and a field for inputting a payment amount to a buyer.
  • the seller registers the product to be sold in the web environment, copies the deposit window and exposes it to the web environment (s3). Copying of the deposit window is made by copying from the transaction payment providing system to the seller's clipboard and pasting it into the web environment.
  • 11 is an exemplary view of copying the deposit window 111 in the body of the email and sending it to the buyer when sending the email through blue.
  • an e-mail body is set as a web environment.
  • the web environment includes an activity space on the Internet such as an internet bulletin board, a blog, a community site, a personal homepage, a forum, a mini homepage, and the like.
  • the specific transaction information data is input to the deposit window using a text editor such as html provided in a web environment.
  • FIG. 12 shows a command executed in a html editor when a consumer clicks on a deposit window exposed to a web environment, and (a) is the html language of the deposit window before the seller enters specific transaction information data.
  • b) shows an example of the input format of the specific transaction information data added by the seller as indicated in the square area, and (c) shows the deposit window after the specific transaction information data to which the specific data has been added by the seller. html language.
  • the transaction settlement providing system receives the specific transaction information data, interprets it, and provides the interpreted information to the amount confirmation window. If no specific transaction information data is input, the purchaser is provided with an amount confirmation window having an input field for inputting the corresponding data.
  • the amount confirmation window provided to the buyer system provides a field for inputting a product amount.
  • "/" is used as a field separator.
  • the first data field, Data1 displays a price
  • the second data field, Data2 displays an article name.
  • the number and attributes of the data fields are determined by the transaction settlement providing system, and thus are not particularly limited. In addition to the price and the item name, a plurality of data may be expressed.
  • the buyer system surfs the web environment (s5) and finds a product to purchase, the purchaser system requests the seller to purchase through a text, chat or phone number of the seller described in the web environment (s6). ).
  • the transaction settlement providing system interprets the specific transaction information data and uses it to provide the amount confirmation window to the buyer system (s7). , s8, s9).
  • the first line is the command to remove the focus of the cursor considering the graphic.
  • the second href statement is "index.jsp" stored under the http://www.eummoney.com/mc directory. Jsp language, and use the member identification ID, 'data1 (20000)' and 'data2 (kickboard)' as variables (parameters). More precisely, the address http://www.eummoney.com/mc/index.jsp where the executable statement is executed, linked through the href statement, and the variable used to execute the statement, are identified by the seller's identification number, product The price and brand name are specified and sent.
  • the transaction settlement providing system executes an index.jsp statement, identifies a seller using a seller identification number, interprets a product price and a product name input as specific transaction information data, and based on the interpreted information, FIG. 13 or 14. It provides the amount confirmation window 120, such as to the buyer system.
  • Figure 13 shows a specific embodiment of the amount confirmation window when the buyer is a member of the payment providing system
  • Figure 14 shows a specific embodiment of the amount confirmation window when the buyer is a non-member. It can be seen that the difference between FIG. 13 and FIG. 14 differs only in the provision of the non-member service terms and conditions and the purchaser information input field 125.
  • the amount confirmation window 120 is provided as a pop-up window on the display of the purchaser system as a means for providing or displaying the upper menu 121 and fields for inputting product information and buyer information.
  • the upper menu 121 includes a 'joint tag' menu for creating a deposit window, an 'in progress transaction' menu for displaying an active transaction for displaying a product being sold or a product being purchased by the member, and the amount deposited by the buyer. It includes a 'withdrawal management' menu for withdrawing money, and a 'ended transaction' menu for displaying a goods transaction in which the transaction is ended.
  • the 'product amount' corresponding to the data field (data 1) of the deposit window and the 'product name' corresponding to the data field (data 2) are displayed, and the requirements for the buyer to convey to the seller are described.
  • the transaction memo field 123 is provided.
  • a change amount button 124 is further to change the transaction amount by pressing the corresponding amount change button 124. For example, in the embodiment of FIG. 13, if a transaction amount (commodity amount) of one kickboard is 50,000 won, and a buyer wants to purchase two, the buyer selects 100,000 won by pressing the amount change button 124. That is, the amount change button 124 is a button for increasing the product price provided in the amount confirmation window to the amount of multiples.
  • the amount change button 124 is pressed, the price is changed by multiples of 50,000 won, such as 100,000 won, 150,000 won, ....
  • the subsequent step is performed based on the determined amount.
  • the buyer name is displayed in the buyer information field and the contact information is entered.
  • the buyer 14 is an example of the amount confirmation window 120 provided when the buyer is a non-member of the transaction settlement providing system.
  • the buyer may be identified using a member identifier (ID).
  • ID member identifier
  • the non-member may be identified by a telephone number or an email.
  • Non-members can log in using a phone number or e-mail when accessing the transaction payment system to check transaction details.
  • non-members provided a password field and a password check box to prevent others from exposing the information. 13 and 14 are only one example screen, and various changes are possible, of course.
  • “seller identification ID” is stored as meta information not shown in the buyer system.
  • the buyer enters all the necessary information (s10), it is stored in the “product information DB” using the “seller identification ID” stored as meta information stored in the amount confirmation window (s11).
  • the payment providing system recognizes data such as “transaction amount” and “transaction memo” as one identifier and issues a new “sale product code”, and uses the corresponding “sale product code” to pay for and deliver the goods. You will track a series of steps.
  • the "buyer information" entered by the buyer in the amount confirmation window 120 is stored in the "product purchase information DB" using the corresponding "sale product code.”
  • Processes for subsequent payment proceed in a manner similar to a conventional internet commerce payment system.
  • the payment amount clicks the deposit window 111 button shown in FIG. 11 again, the amount of FIG. 13 and FIG. 14 is confirmed so that the progress after payment (for example, the delivery status) can be checked.
  • the window 120 is further provided with a progress button 127. If you click the progress button 127, if you are a member, you will be asked to enter a member identifier (member ID, etc.), and if you are a non-member, you will be prompted to enter the identifier (email address or social security number, etc.) you entered at checkout. Afterwards it was possible to know the progress.
  • the present invention is capable of various modifications.
  • one image including various items is displayed in a web environment, and an area in which each item is displayed is defined.
  • the user clicks on the defined area with a mouse it can be modified to execute a command that is executed when the consumer clicks the deposit window exposed to the web environment as shown in FIG. 12.
  • 15 is an example in which the amount confirmation windows 20-1, 20-2, ..., 20-6 are displayed when a plurality of items to be sold are represented on one image and the items on the image are clicked on. It is shown.
  • the amount confirmation window provided in FIGS. 13 and 14 is simplified and re-shown as the amount confirmation windows of 20-1, 20-2, ..., 20-6. In this case, the flow shown in FIG.
  • the amount confirmation window 20-1 for purchasing the corresponding glasses pops up to be displayed, and when the user clicks on area 2 defined as the upper area, The amount confirmation window 20-2 for purchasing the top is displayed in a pop-up window, and when the user clicks on the area 3 defined as the car area, the amount confirmation window 20-3 for purchasing the car is popped up and displayed. If the user clicks on the area 4 defined as the bottom jeans area, the amount confirmation window 20-4 for purchasing the jeans is popped up and the user clicks on the area 5 defined as the bag area. In this case, the amount confirmation window (20-5) for purchasing the bag is popped up to be displayed.
  • the determination window 20-6 is provided as a popup.
  • the deposit window provided from the payment means providing system is copied in text form, and should be stored as a statement executed without being displayed to the visitor to the web environment. . Therefore, the modification shown in FIG. 15 may be used only by a user who has some knowledge of the html language.
  • the modified embodiment shown in FIG. 15 is a transaction payment providing method for providing a payment method between the seller system and the buyer system in performing a product transaction between the seller system and the buyer system using a web environment connected through an internet network.
  • the present invention is applicable to various fields. For example, it can be applied to the preview of an e-book.
  • Amazon.com and others provide previews for some books to visitors.
  • the preview service is to provide prospective buyers with free access to some pages of the book before purchasing it.
  • this preview service is provided only to users who visited the Amazon dot com site. There are many reasons to limit this preview service to only those who have visited the site, but the most important issue is that payment processing is not desired.
  • FIG. 17 illustrates an example in which the deposit window of the present invention is applied to a preview function of a book.
  • the user presents a reading comment that the user read an Alice story deeply in a web environment such as his blog, and pastes the preview icon 130 of the book.
  • the preview icon 130 is an icon which shows some pages of the book in advance when the user clicks the icon, and provides a payment method when the user requests a view beyond the prescribed number of pages.
  • FIGS. 17 (b) and 17 (c). When a third user who visits the web environment clicks the preview icon 130, a preview service is provided so that a predetermined number of pages can be previewed as shown in FIGS. 17 (b) and 17 (c). . If the third user wants to see all the prescribed pages (page 10 in FIG. 17) and the next page, the deposit window 110 according to the present invention is presented as shown in FIG. 17 (d).

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Abstract

The present invention relates to a system and method for providing payment means using a transaction amount input window. The payment means providing system of the present invention provides payment means between a seller system and a purchaser system so as to facilitate transactions between the seller system and the purchaser system, using a web environment connected through the Internet. The payment means providing system generates a payment window containing a seller membership identifier as metadata when the seller has finished membership joining processes, and provides the seller system with the generated payment window. Then, the payment means providing system permits the seller system to store the payment window in the web environment, and additionally input detailed transaction data containing a transaction amount into the payment window, and permits the payment window to be exposed to the web environment. When the purchaser presses the exposed payment window, the payment means providing system receives detailed transaction data and the seller membership identifier from the web environment, and provides the purchaser system with a final amount window in which the detailed transaction data are displayed.

Description

거래금액 입력창을 이용한 거래 결제 제공 시스템 및 방법Transaction payment provision system and method using transaction amount input window
본 발명은 거래금액 입력창을 이용한 결제 수단 제공 시스템 및 방법에 관한 것으로서, 보다 구체적으로는 동호회 등이 운영하는 웹사이트 또는 네이버 등에서 운영하는 카페 내의 물품 판매 게시판에 결제 수단을 제공하고, 상기 결제 수단을 이용한 개인과 개인 간의 거래 환경에서 발생되는 거래 상품 최종 금액의 변동성을 고려하여 구매자가 구매 금액을 입력하여 결제창을 완성한 후, 해당 결제 금액을 입금함으로써 결제가 완료되는 결제 수단 제공 시스템 및 방법에 관한 것이다.The present invention relates to a system and method for providing a payment means using a transaction amount input window, and more specifically, provides a payment means to a product sales bulletin board operated by a website or a community operated by a community or the like. With regard to the system and method for providing a payment method, the purchaser completes a payment window by inputting a purchase amount in consideration of the variability of the final amount of the transaction product generated in the transaction environment between the individual and the individual, and then deposits the corresponding payment amount. will be.
인터넷의 발달과 더불어 인터넷을 통한 상품 거래가 활발히 이루어지고 있다. 인터넷을 통한 상품 거래는 사용자들이 직접 상점을 방문하지 않고도 회사의 컴퓨터나 또는 집에 있는 컴퓨터를 통해 인터넷으로 상품을 선택하고, 주문, 결제 및 배송까지 처리하는 것이 가능하여 쇼핑 시간이 절약되고, 손쉽게 여러 가지 상품을 비교할 수 있는 등 많은 이점이 있다. 이러한 인터넷을 통한 상품 거래에 있어 소비자들이 특히 중요시 여기는 고려 사항 중 하나는 바로 대금 결제와 관련된 부분이다.With the development of the Internet, commodity trading through the Internet is actively being performed. Merchandise trading over the Internet saves shopping time by allowing users to select, order, pay, and even deliver goods over the Internet, either from the company's computer or at home without having to visit the store. There are many advantages, such as being able to compare different products. One of the most important considerations for consumers in the trade of goods over the Internet is payment.
인터넷을 통한 상품 거래 및 대금을 지급하는 안전한 방법 중의 하나는 에스크로 제도를 이용하는 것이다. 대표적인 예로서 옥션 사이트가 있는데 이러한 에스크로 결제 시스템을 소규모 전자상거래 사이트가 자체적으로 구축하여 운영하는 데에는 많은 비용이 들고 관리적인 측면에서 상당한 어려움이 있다.One safe way to trade and pay for goods over the Internet is through the escrow system. A typical example is an auction site, which is expensive and administratively difficult for small e-commerce sites to build and operate on their own.
이러한 어려움을 극복하고자 에스크로 결제 방법을 동호회가 운영하는 소규모 사이트에 전문적으로 제공하는 회사가 생겨나고 있다. 대표적인 예가 www.unicro.co.kr이라는 사이트인데, 해당 업체는 서비스를 받고자 하는 사이트와 제휴를 맺은 후 에스크로 결제 수단을 제공하고 있다. 예를 들어, www.unicro.co.kr라는 사이트는 www.pentaxclub.co.kr이라는 카메라 동호회 사이트와 제휴를 맺은 후 www.pentaxclub.co.kr 사이트의 동호회 회원이 카메라 또는 그 부속 물건을 팔고자 할 때 에스크로 결제 수단을 제공하고 있다.In order to overcome these difficulties, companies have been specializing in providing escrow payment methods to small sites managed by the community. A typical example is www.unicro.co.kr, a company that provides an escrow payment method after partnering with a site to receive service. For example, a site called www.unicro.co.kr is affiliated with a camera club site called www.pentaxclub.co.kr, and a group member on www.pentaxclub.co.kr wants to sell a camera or its accessories. When providing escrow payment methods.
하지만 www.unicro.co.kr이라는 사이트에서 제공하는 에스크로 결제 방법 또는 시스템을 해당 사이트와 협약이 체결되지 않은 동호회 사이트 등에서는 이용할 수 없는 불편함이 있다. 예를 들어 www.unicro.co.kr와 www.pentaxclub.co.kr가 사전 협약을 하고 물품 정보를 제공하는 시스템과 결제 시스템에 대한 통합 작업을 하는 사전 작업이 있어야 pentaxclub 회원들이 unicro의 결제 수단을 이용할 수 있는 제약이 있는 것이다. 즉, 네이버에서 카메라 카페 사이트를 운영하는 운영자가 www.unicro.co.kr에서 제공하는 결제 시스템을 이용하고자 할 경우에는 네이버와 www.unicro.co.kr 사이의 협의가 먼저 성립하여야 하는 문제점이 있는 것이다.However, there are inconveniences in that the escrow payment method or system provided by the website www.unicro.co.kr cannot be used in the fellowship site where the agreement is not concluded. For example, www.unicro.co.kr and www.pentaxclub.co.kr require preliminary arrangements for pre-agreement, integration of a system that provides commodity information, and a payment system. There is a constraint available. In other words, if the operator who operates the camera café site in Naver wants to use the payment system provided by www.unicro.co.kr, there is a problem that the agreement between Naver and www.unicro.co.kr must be established first. will be.
한편 개인과 개인 사이에 거래되는 중고 물품 거래에 대해서 살펴 보면, 중고 물품은 특성상 가격 절충이 발생되는 것이 다반사이다. 예를 들어 판매자 A가 헬스 자전거를 50,000원에 팔려고 물품 판매 게시판에 올려놓았다고 가정하자. 구매자는 물품의 이미지를 통해서 또는 판매자 A와 통화한 결과 해당 헬스 자전거를 사용하기 위해서는 헬스 자전거 안장을 새것으로 교환하여야 함을 알게 되었고, 구매자는 안장 구입 비용 10,000원 중에서 50% 금액인 5,000원을 할인해서 구매하고자 하였다. 판매자 A는 가능하면 빠른 시일 내에 처분하기를 원하던 터라 새로운 구매자를 구하기보다는 5,000원 할인을 요구하는 해당 구매자에게 판매하겠다고 약속하였다.On the other hand, when looking at used goods traded between individuals, it is common for used goods to have price trade-offs due to their characteristics. For example, suppose that seller A puts a product on a bulletin board to sell a health bike for 50,000 won. The buyer found out that the image of the goods or by calling Seller A revealed that they had to replace the bicycle saddle with a new one in order to use the bicycle. I wanted to buy. Seller A wanted to dispose of it as soon as possible, so he promised to sell it to the buyer who asked for a 5,000 won discount rather than seeking a new buyer.
그런데 종래 에스크로 거래 결제 제공 시스템 및 방법은 판매자가 물품을 등록할 때 거래 금액을 확정하여 에스크로 결제창을 제공하게 되는데, 상기와 같이 가격의 흥정이 필요한 곳에서는 사용하기 불편한 측면이 있었다. However, the conventional escrow payment settlement system and method provides an escrow payment window by determining a transaction amount when a seller registers an item.
상기와 유사한 과정을 통하여 가격 조정이 발생되고 변동된 가격에 따라 구매자가 최종 거래 진행 즉 결제를 하기 위하여, 판매자는 최초에 등록한 판매 가격을 변동된 가격으로 재등록해야 하는 번거로운 결제 금액 수정 작업을 거쳐야만 하는 문제점이 있었다.In the same manner as above, the price adjustment occurs and the buyer has to go through the cumbersome payment amount modification process that requires the buyer to re-register the initially registered selling price with the changed price in order for the buyer to proceed with the final transaction or settle according to the changed price. There was a problem.
또한, 판매자와 구매자 간에 휴대폰 등을 통한 가격 흥정이 이루어진 후, 최종 거래 금액이 확정되었다 하더라도 판매자가 바로 인터넷을 접할 수 있는 상황에 있지 않다면 수정 작업을 바로 실행에 옮길 수 없게 된다. 따라서 구매자는 이러한 수정 작업이 이뤄지기를 계속 기다려야 하고, 결국 상품 거래 진행이 지연될 수 밖에 없는 문제점이 있었다.In addition, after the price negotiation through the mobile phone, etc. between the seller and the buyer is made, even if the final transaction amount is confirmed, if the seller is not in the situation that can access the Internet immediately, the corrective work cannot be executed immediately. Therefore, the buyer must continue to wait for such a correction, and eventually there was a problem that the progress of the commodity transaction is delayed.
또 다른 하나의 문제점은 종래 이용되고 있는 에스크로 결제 시스템은 결제만을 담당하는데도 불구하고, 에스크로 결제를 제공하는 시스템에 판매하고자 하는 물품 정보를 별도로 올려야 하는 문제점이 있다. 판매자 입장에서 볼 때 본인이 가입되어 물건 판매를 흥정하고 있는 사이트뿐만이 아니라 에스크로 결제를 대행하는 결제 시스템에도 물건 정보를 올려야 하는 이중 작업을 하고 있는 실정이다. 이러한 실정에 의하여 종래 에스크로 결제 시스템에서 제공하는 방식은 판매자 입장에서 볼 때 안전하게 결제할 수 있다는 것은 알고 있지만 사용하기 불편하다는 이유로 널리 사용되지 못하고 있는 실정이다.Another problem is that although the conventionally used escrow payment system is only responsible for payment, there is a problem of separately uploading item information to be sold to a system that provides escrow payment. From the seller's point of view, he is doing a double task of uploading the goods information not only to the site where he or she is bargaining for the goods, but also to the payment system that handles the escrow payment. In this situation, the conventional method provided by the escrow payment system is known from the seller's point of view that the payment can be secured, but the situation is not widely used because it is inconvenient to use.
본 발명은 상기와 같은 문제점을 해결하기 위한 것으로서, 사이트와 사이트 사이의 사전 협약이 없는 상태에서도 용이하게 결제를 할 수 있는 결제 방법 및 시스템을 제공하는 것을 목적으로 한다.The present invention is to solve the above problems, it is an object of the present invention to provide a payment method and system that can be easily settled without a prior agreement between the site and the site.
본 발명의 또 다른 목적은 판매자와 구매자 사이에 가격 흥정이 이루어진 후 판매자가 확정된 판매 금액을 이용하여 직접 결제창을 용이하게 수정 가능하고 이를 통하여 결제가 이루어지는 결제를 할 수 있는 결제 방법 및 시스템을 제공하는 것을 목적으로 한다.Still another object of the present invention is to provide a payment method and system that allows a seller to easily modify a direct payment window by using a determined sale amount after a price bargain is made between the seller and the buyer, and make a payment through which the payment is made. It aims to do it.
본 발명의 또 다른 목적은 판매자가 판매하는 물품명을 손쉽게 결제창에 제공할 수 있는 결제 방법 및 시스템을 제공하는 것을 목적으로 한다.Another object of the present invention is to provide a payment method and system that can easily provide the item name that the seller sells in the payment window.
본 발명의 또 다른 목적은 판매자가 결제 시스템에는 판매하고자 하는 물품 정보를 별도로 올릴 필요없이 판매자 식별자를 구분키로 하여 운영되는 결제 방법 및 시스템을 제공하는 것을 목적으로 한다.It is still another object of the present invention to provide a payment method and a system operated by a seller as a distinguishing key of a seller without having to separately upload item information to be sold to a payment system.
본 발명의 목적은 인터넷망으로 연결된 웹 환경을 이용하여 판매자 시스템과 구매자 시스템 사이에 상품 거래를 함에 있어서 상기 판매자 시스템과 구매자 시스템 사이에서 결제 수단을 제공하는 거래 결제 제공 시스템으로서, 회원 가입을 완료한 판매자에게 판매자의 회원 식별자가 메타 정보로 포함된 입금창을 생성하여 상기 판매자 시스템에 제공하고, 상기 판매자 시스템이 상기 입금창을 웹 환경에 저장하고 상기 입금창에 거래금액을 포함하는 구체거래정보 데이터를 추가로 입력하여 상기 웹 환경에 노출시킨 상태에서 상기 구매자가 노출된 상기 입금창을 누를 경우, 상기 웹 환경으로부터 구체거래정보 데이터 및 판매자의 회원 식별자를 전송받은 후, 구매자 시스템에 상기 구체거래정보 데이터가 디스플레이되는 금액 확정창을 제공하는 것을 특징으로 하는 거래 결제 제공 시스템에 의하여 달성 가능하다.An object of the present invention is a transaction settlement providing system for providing a payment means between the seller system and the buyer system in the transaction of goods between the seller system and the buyer system using a web environment connected to the Internet network, which completes the membership registration Specific transaction information data that generates a deposit window containing the seller's member identifier as meta information to the seller system to the seller system, and the seller system stores the deposit window in a web environment and includes a transaction amount in the deposit window. When the buyer presses the exposed deposit window while additionally inputting to the web environment, after receiving the detailed transaction information data and the member identifier of the seller from the web environment, the specific transaction information is transmitted to the buyer system. Which provides the amount confirmation window in which the data is displayed. To be achieved by providing a payment transaction system as claimed.
본 발명의 다른 목적은 인터넷망으로 연결된 웹 환경을 이용하여 판매자 시스템과 구매자 시스템 사이에 상품 거래를 함에 있어서 상기 판매자 시스템과 구매자 시스템 사이에서 결제 수단을 제공하는 거래 결제 제공 방법으로서, 판매자를 회원으로 가입시키는 제 1단계와, 판매자의 회원 식별자가 메타 정보로 포함된 입금창을 생성하여 상기 구매자 시스템의 클립보드에 제공하는 제 2단계 및 판매자인 회원이 상기 고유한 입금창을 복사하여 상기 웹 환경에 저장한 후 거래금액을 포함한 구체거래정보 데이터를 추가적으로 입력한 후 상기 웹 환경에 노출시키고 상기 구매자가 노출된 상기 입금창을 누를 경우, 상기 구매자 시스템에게 상기 구체거래정보 데이터를 포함하는 금액 확정창을 제공하는 제 3단계를 구비하는 것을 특징으로 하는 거래 결제 제공 방법에 의해서 달성 가능하다.Another object of the present invention is a transaction payment providing method for providing a payment method between the seller system and the buyer system in the transaction of goods between the seller system and the buyer system using a web environment connected through the Internet network, the seller as a member The first step of signing up, the second step of creating a deposit window containing the member identifier of the seller as meta information and providing it to the clipboard of the buyer system, and the member who is a seller copies the unique deposit window to the web environment After inputting the specific transaction information data including the transaction amount after storing in the web environment, and the buyer presses the exposed deposit window, the amount confirmation window including the specific transaction information data to the buyer system A transaction decision comprising the third step of providing a It can be achieved by providing method.
본 발명에 따른 거래금액 입력창을 이용한 거래 결제 제공 시스템 및 방법에 의하면 판매자가 용이하게 수정 입력 가능하도록 함으로써 판매자와 구매자 사이의 거래 흥정이 자주 발생되어 가격이 변동되는 상황에 용이하게 적용할 수 있게 되었다.According to the system and method for providing a transaction settlement using the transaction amount input window according to the present invention, the seller can easily modify and input the transaction so that a bargain frequently occurs between the seller and the buyer so that the price can be easily applied. It became.
또한 본 발명에서는 상품별 거래 내역을 제공하는 것을 지양하고, 상품을 판매하는 회원별로 고유하게 생성되는 입금창을 이용함으로써 결제 방식을 제공하는 사이트와 이러한 서비스를 제공받는 사이트 간의 상품 DB 통합 또는 거래 DB 통합 등의 사전 조율을 없앨 수 있으므로 결제 방식을 모든 웹 환경에 적용할 수 있는 잇점이 있다.In addition, the present invention refrains from providing transaction details for each product, and integrates a product DB or a transaction DB between a site providing a payment method and a site receiving such a service by using a deposit window uniquely generated for each member who sells the product. This eliminates the need for prior coordination, so the payment method can be applied to any web environment.
또한 본 발명에 따른 거래 결제 제공 시스템 및 방법에 의하면 결제창에 판매자가 판매하고자 하는 물품 명칭 등을 손쉽게 등록할 수 있고, 판매자에게 주어지는 하나의 결제창을 이용하더라도 다수 물품을 용이하게 거래할 수 있는 잇점이 있다.In addition, according to the transaction payment providing system and method according to the present invention, the seller can easily register the name of the item to be sold in the payment window, etc., and can easily trade multiple items even when using one payment window given to the seller. have.
도 1은 본 발명에 따른 거래 결제 제공 시스템을 포함한 주변 시스템 구성도.1 is a block diagram of a peripheral system including a transaction settlement providing system according to the present invention.
도 2는 본 발명에 따른 거래 결제 제공 시스템과 주변 시스템 간의 업무 흐름에 대한 업무 흐름도.2 is a flowchart illustrating a work flow between a transaction settlement providing system and a peripheral system according to the present invention;
도 3은 금액 확정창의 일 예도.3 is an example of the amount confirmation window.
도 4와 같이 판매자가 웹 환경 "www.naver.com/blog/닥터지박꼬" 에 세 가지 상품을 등록한 예의 웹 환경.Web environment of an example in which the seller registered three products in the web environment "www.naver.com/blog/Dr. Gbakko" as shown in FIG.
도 5는 도 4의 상품을 구매하는 구매자 "헬쓰맨"이 금액 확정창을 입력한 예.5 is an example in which a purchaser "healthman" who purchases the product of FIG. 4 enters an amount confirmation window.
도 6은 도 4의 상품을 구매하는 구매자 "지름신강림"이 금액 확정창을 입력한 예.6 is an example in which the purchaser "diameter Xinhua" purchasing the goods of FIG. 4 inputs the amount confirmation window.
도 7은 판매자 "닥터지박꼬"가 거래 결제 제공 시스템에 로그인하고 판매 진행 상황을 조회하였을 때 디스플레이되는 화면의 일 예.7 is an example of a screen displayed when the seller "Dr. Ji Bakko" logs into the transaction payment providing system and inquires about the sales progress.
도 8은 본 발명에 따른 거래 결제 제공 시스템과 주변 시스템 간의 업무 흐름에 대한 업무 흐름도.8 is a flowchart illustrating a work flow between a transaction settlement providing system and a peripheral system according to the present invention;
도 9는 회원 가입 화면을 보여주는 일 예.9 is an example showing a member registration screen.
도 10은 회원에게 제공되는 입금창의 일 예.10 is an example of a deposit window provided to a member.
도 11은 파란을 통해 이메일을 송부할 때 이메일 본문에 입금창을 복사하여 구매자에게 송부하는 일 예시도.11 is an example of copying the deposit window in the email body and sending it to the buyer when sending an email via blue.
도 12는 웹 환경에 노출된 입금창의 html 편집기 상에 표시되는 html 언어 형식이며, (a)는 구체거래정보 데이터가 입력되기 전의 입금창의 html 언어이며, (b)는 네모 영역 내에 표시된 바와 같이 판매자에 의해 추가되는 구체거래정보 데이터의 입력 형식을 표시한 예이며, (c)는 판매자에 의해 추가된 구체거래정보 데이터가 입력된 이후의 입금창의 html 언어의 예시도.12 is a html language format displayed on the html editor of the deposit window exposed to the web environment, (a) is the html language of the deposit window before the specific transaction information data is input, (b) is a seller as shown in the square area (C) is an example of the html language of the deposit window after the specific transaction information data added by the seller is input.
도 13은 구매자가 결제 제공 시스템의 회원일 경우 금액 확정창의 구체적인 실시예.Figure 13 is a specific embodiment of the amount confirmation window when the buyer is a member of the payment providing system.
도 14는 구매자가 비회원일 경우 금액 확정창의 구체적인 실시예.14 is a detailed embodiment of the amount confirmation window when the buyer is a non-member.
이하에서, 본 발명의 장점, 특징 및 바람직한 실시예를 첨부 도면을 참조하여 상세하게 설명하도록 한다.Hereinafter, the advantages, features and preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.
도 1은 본 발명에 따른 거래 결제 제공 시스템을 포함한 주변 시스템 구성도이다. 결제 제공 시스템은 인터넷망을 통하여 PG(Payment Gateway)사, 웹 환경, 판매자 시스템 및 구매자 시스템과 연결되며, 전용선을 통하여 금융기관 시스템과 연결된다.1 is a block diagram of a peripheral system including a transaction settlement providing system according to the present invention. The payment providing system is connected to a payment gateway company, a web environment, a seller system, and a buyer system through an internet network, and is connected to a financial institution system through a dedicated line.
거래 결제 제공 시스템은 인터넷망으로 연결된 웹 환경을 이용하여 판매자와 구매자 사이에 상품 거래를 함에 있어서 상기 판매자와 구매자 사이에서 결제 수단을 제공하는 거래 결제 제공 시스템으로서, 회원마다 고유한 입금창을 생성하여 제공하고, 입금창을 상기 웹 환경에 복사할 수 있도록 하고, 판매자인 회원이 상기 고유한 입금창을 복사하여 웹 환경에 노출시킨 후, 웹 환경에서 제공하는 HTML(Hyper Text Markup Language) 편집기 등을 이용하여 고유한 입금창에 판매 가격과 물품 명칭을 포함하는 구체거래정보데이터를 추가적으로 입력하고, 구매자가 노출된 입금창을 누를 경우 구체거래정보데이터를 전송받아 이를 해석한 후 구매자에게 판매 가격과 물품 명칭 정보가 포함된 금액 확정창을 제공한다. 시스템 구성은 입출력 장치가 부착된 통상 서버 컴퓨터라 불리는 장치로 구성된다. Transaction payment providing system is a transaction payment providing system that provides a payment method between the seller and the buyer in the transaction of goods between the seller and the buyer using a web environment connected through the Internet network, by creating a unique deposit window for each member Provide a copy of the deposit window to the web environment, and a member who is a seller copies the unique deposit window and exposes it to the web environment, and then uses an HTML (Hyper Text Markup Language) editor provided by the web environment. Enter specific transaction information data including sales price and product name in the unique deposit window by using it.When the buyer presses the exposed deposit window, the specific transaction information data is received and interpreted, and then the sales price and article are sent to the buyer. A price confirmation window with name information is provided. The system configuration is composed of a device usually called a server computer to which an input / output device is attached.
거래 결제 제공 시스템에는 가입된 회원에 대한 정보를 저장하는 회원 DB와, 판매자가 미리 지정한 거래 승인 코드를 저장하는 메모리와, 회원별 판매한 물품을 등록한 웹 환경의 url 정보를 저장하는 상품정보 DB, 구매자가 회원인 경우 해당 회원별 구매 정보를 저장하는 회원 구매 DB, 및 구매자가 비회원인 경우 해당 비회원별 구매 정보를 저장하는 비회원 구매 DB가 구비된다.The transaction settlement providing system includes a member DB that stores information about registered members, a memory that stores a transaction approval code designated by the seller in advance, and a product information DB that stores url information of a web environment in which items for each member are sold. If the buyer is a member, the member purchase DB that stores the purchase information for each member, and if the buyer is a non-member non-member purchase DB for storing the non-member purchase information is provided.
금융기관 시스템은 거래 결제 제공 시스템에 가상 계좌를 제공하고, 거래 결제 제공 시스템의 요청에 의해 거래 결제 제공 시스템 회원의 입금 내역을 전용선을 통해 알려 주거나 주기적, 혹은 입금 내역이 발생할 때마다 거래 결제 제공 시스템 회원의 입금 내역을 제공하게 된다.The financial institution system provides a virtual account to the transaction settlement providing system, and at the request of the transaction settlement providing system, informs the transaction details of the members of the transaction settlement providing system through a leased line or whenever a periodic or deposit occurs, You will be provided with the member's deposit details.
PG사는 웹 환경에서 구매자가 구매 대금을 입금할 때, 거래 결제 제공 시스템을 대신하여 신용카드 결제, 무통장 입금, 사이버머니 결제, 및 핸드폰 결제 등의 여러 가지 결제 수단을 제공하는 시스템이며, 대표적인 PG사로는 한국사이버머니사, 이니시스사 등이 있다.PG is a system that provides various payment methods such as credit card payment, bank account payment, cyber money payment, and mobile phone payment, instead of transaction payment system when the buyer deposits the purchase price in the web environment. There are Korea Cyber Money and INICIS.
웹 환경이란, 판매자 시스템 및 구매자 시스템에 인터넷상의 활동 공간을 제공하는 사이트 운영 장치로서, 판매자 시스템 및 구매자 시스템에 동호회 사이트, 개인 홈페이지, 포럼, 미니 홈피, 블로그, 게시판 등의 인터넷상의 활동 공간을 제공하는 장치를 의미한다. 판매자가 팔고자 하는 물품을 홍보할 수 있는 인터넷상의 공간을 제공하는 시스템이면 종류에 무관하다. A web environment is a site operation apparatus that provides an activity space on the Internet to a seller system and a buyer system, and provides an activity space on the internet such as a fellowship site, a personal homepage, a forum, a mini homepage, a blog, and a bulletin board to the seller system and a buyer system. Means a device. Any system that provides a space on the Internet where a seller can promote a product is irrelevant.
판매자 시스템은 물품을 판매하는 개인이 운영하는 컴퓨터 장치로서 생성된 입금창을 복사한 후 웹 환경에 등록하는 장치이며 통상 개인용 컴퓨터 장치를 의미하며, 구매자 시스템은 웹 환경에서 제공하는 인터넷 공간에서 웹 서핑하다가 구매하고자 하는 물품이 발견될 경우 노출된 입금창을 통하여 결제를 진행하는 구매자의 개인용 컴퓨터 장치를 의미한다. The seller system is a computer device operated by an individual who sells goods and registers the created payment window and registers it in a web environment. The seller system generally means a personal computer device. The shopper system surfs the web in the internet space provided by the web environment. When the item to be purchased is found, it means the personal computer device of the buyer who makes a payment through the exposed deposit window.
도 2는 본 발명에 따른 거래 결제 제공 시스템과 주변 시스템 간의 업무 흐름에 대한 업무 흐름도이다.2 is a flowchart illustrating a work flow between a transaction settlement providing system and a peripheral system according to the present invention.
판매자 시스템은 거래 결제 제공 시스템에 회원 가입한다(ST1). 회원 가입 시 회원 ID, 비밀번호, 주소, 입금받을 계좌 번호, 및 거래를 승인하기 위한 거래 승인 코드 등을 입력받으며, 해당 내용은 회원 DB에 저장된다. 이때 계좌 번호와 거래 승인 코드는 회원 가입시 요청하지 않고 별도의 단계에서 요청할 수 있고, 회원 DB가 아닌 별도의 DB에 저장될 수 있음은 물론이다.The merchant system registers as a transaction settlement providing system (ST1). When registering as a member, a member ID, password, address, account number to be deposited, and a transaction approval code for approving a transaction are input. The contents are stored in the member DB. In this case, the account number and the transaction approval code may be requested in a separate step without request when registering as a member, and may be stored in a separate DB instead of a member DB.
거래 결제 제공 시스템은 회원마다 고유한(unique) 입금창을 생성한다(ST2). 입금창은 웹 환경에 노출될 때에는 외형상 단순한 버튼으로 보여지며, 해당 버튼에는 메타 정보로서 판매자인 회원을 식별하는 회원 식별자(예를 들어 회원 ID)가 저장된다. 여기서 회원마다 고유한 입금창이라는 것은 통상의 전자상거래 시스템이 판매 중인 상품을 키(key)로 하여 고유한 입금창에 대비되는 용어로서, 동일한 회원이면 판매하는 상품의 종류 및 수량에 무관하게 고유하게 하나로 부여되는 것이다. The transaction settlement providing system generates a unique deposit window for each member (ST2). The deposit window is shown as a simple button in appearance when exposed to the web environment, and the button stores a member identifier (for example, a member ID) that identifies a member who is a seller as meta information. Here, a unique deposit window for each member is a term used to contrast a unique deposit window with the product being sold by a normal e-commerce system as a key. If the same member is used, it is unique regardless of the type and quantity of products sold. It is given as one.
이를 보다 구체적으로 설명하면, 옥션(www.auction.co.kr) 사이트에서 물품을 판매 중인 판매자는 해당 물품의 판매 수량, 입금 내역을 알기 위해서는 판매 중인 물품을 선택하여야 자세한 내역을 알 수 있다. 즉, user 1이라는 판매자가 자전거 5대와 골프채 3개를 판매 중일 경우, 자전거를 판매하기 위한 웹 페이지와 골프채를 판매하기 위한 웹 페이지를 별도로 생성하고, 각 물품의 판매 웹 페이지에는 결제 버튼이 존재하게 된다. 각 결제 버튼은 해당 상품에 종속되어 생성되며 관리되는 것이다. user 1이 자전거 판매에 대한 입금 내역을 파악하기 위해서는 판매 중인 상품 중에 자전거를 선택하여야 이를 확인할 수 있는 것이며, 골프채에 대한 입금 내역을 파악하기 위해서는 판매 중인 상품 중에 골프채를 선택하여야 이를 확인할 수 있는 것이다. 즉, 옥션 사이트 시스템은 회원에게 고유한 입금창이 제공되는 것이 아니라 상품별로 고유한 입금창이 제공되는 것으로 이해되어져야 한다. 즉, 판매 중인 물품을 키(key)로 하여 입금 상황 등이 제공되는 것이다.In more detail, the seller who sells the goods in the auction (www.auction.co.kr) site can select the goods for sale in order to know the sales quantity and deposit details of the goods, so that the details can be known. In other words, if the seller of user 1 is selling five bicycles and three golf clubs, a web page for selling bicycles and a web page for selling golf clubs are separately generated, and a payment button is present on each product's sales web page. Done. Each payment button is created and managed by subordinate to the corresponding product. In order to determine the deposit details for the sale of the bicycle, the user 1 can select the bicycle from among the products being sold, and the user can select the golf club from the products being sold to check the deposit history of the golf club. That is, the auction site system should be understood that a unique deposit window is provided for each member rather than a unique deposit window. In other words, a deposit situation or the like is provided using a key being sold.
이에 비하여 본 발명에서는 위와 동일한 상황에서 user 1이라는 판매자가 자전거 5대와 골프채 3개를 판매 중일 경우, 자전거를 판매하기 위한 웹 페이지와 골프채를 판매하기 위한 웹 페이지를 생성한다. 이때 모든 물품을 하나의 웹 페이지를 이용하여 판매할 수도 있으며, 또는 물품별로 각각의 웹 페이지를 생성하여 판매할 수도 있다. 하나의 웹 페이지를 이용할 경우에는 당연히 입금창이 한 개만 생성될 것이므로, 물품별로 각각의 웹 페이지를 생성하는 경우에 대해서 설명하기로 한다. 각 물품의 판매 웹 페이지에는 본 발명에 따라 생성된 입금창을 복사해서 해당 웹 페이지에 노출시키면 되는 데 이때 웹 페이지에 노출되는 입금창은 외관상으로 두 개가 존재하는 것이나 실질적으로 동일한 버튼을 복사해 놓은 것에 지나지 않는 것이다. 이는 본 발명에서 제공되는 입금창은 회원별로 고유한 입금창이기 때문이다.In contrast, the present invention generates a web page for selling bicycles and a web page for selling golf clubs when a seller named user 1 is selling five bicycles and three golf clubs in the same situation. At this time, all items may be sold using a single web page, or each web page may be generated and sold for each item. When only one web page is used, of course, only one deposit window will be generated, so a case of generating each web page for each item will be described. Copy the deposit window created according to the present invention to the sales web page of each article and expose it to the web page. At this time, the deposit window exposed on the web page is apparently there exist two copies of the same button. It is nothing more than a thing. This is because the deposit window provided in the present invention is a unique deposit window for each member.
판매자는 웹 환경에 판매하고자 하는 상품을 등록하고, 입금창을 복사하여 해당 웹 환경에 노출시킨다(ST3). 입금창의 복사는 거래 결제 제공 시스템에서 판매자의 클립보드로 복사한 후, 해당 웹 환경에 붙여넣기를 통해 이루어진다. 이때 사용자의 붙여넣기 동작이 있을 경우, 입금창의 버튼 해당 웹 환경의 url을 복사하여 거래 결제 제공 시스템에 전송하고, 이를 전송받은 거래 결제 제공 시스템은 이를 회원별 판매 DB에 저장하도록 한다.The seller registers the product to be sold in the web environment, copies the deposit window, and exposes it to the web environment (ST3). Copying of the deposit window is made by copying from the transaction payment providing system to the seller's clipboard and pasting it into the web environment. At this time, if there is a user's pasting operation, the button of the deposit window copies the url of the web environment and transmits it to the transaction payment providing system, and the transaction payment providing system which receives it is stored in the sales DB for each member.
판매자는 해당 웹 환경에서 제공하는 HTML(Hyper Text Markup Language) 편집기 등을 이용하여 고유한 입금창에 판매 가격과 물품명을 포함하는 구체거래정보데이터를 추가적으로 입력한다(ST4).The seller additionally inputs specific transaction information data including a selling price and a product name in a unique deposit window using an HTML (Hyper Text Markup Language) editor provided by the web environment (ST4).
구매자 시스템은 웹 환경을 서핑하다가 구매하고자 하는 상품을 발견한 경우(ST5), 해당 웹 환경에서 제공하는 문자, 채팅 또는 웹 환경에 기재된 판매자의 전화번호 등을 통하여 판매자에게 구매를 요청하게 된다(ST6). 판매자 시스템은 해당 상품을 판매하고자 할 경우 문자, 채팅 또는 전화를 통하여 거래 승인 코드를 전송하고(ST7), 구매자 시스템은 해당 거래 승인 코드를 입력한다(ST8). 거래 승인 코드의 입력은 통상 판매자가 해당 웹 환경에 노출시켜 놓은 입금창을 클릭할 경우 거래 승인 코드를 입력하기 위한 창을 제공하고, 구매자 시스템은 노출된 창을 통해 판매자로부터 송부받은 거래 승인 코드를 입력하는 것이다.When the buyer system surfs the web environment and finds a product to purchase (ST5), the purchaser system requests the seller to purchase through a text, chat or phone number of the seller described in the web environment (ST6). ). If the seller system wants to sell the product, the transaction approval code is transmitted via text, chat, or telephone (ST7), and the buyer system inputs the transaction approval code (ST8). Entering a transaction authorization code usually provides a window for entering the transaction authorization code when the seller clicks on a deposit window that has been exposed to the web environment, and the buyer system uses the window to expose the transaction authorization code sent from the seller. To enter.
입력된 거래 승인 코드는 거래 결제 제공 시스템에 전송되고, 거래 결제 제공 시스템은 구매자 시스템으로부터 전송된 거래 승인 코드와 판매자가 사전에 등록한 거래 승인 코드를 비교하여 일치 여부를 확인한다. 전술한 바와 같이 판매자가 사전에 등록한 거래 승인 코드는 회원 DB 또는 별도의 DB에 저장되고, 이러한 DB는 거래 결제 제공 시스템의 메모리에 궁극적으로 저장되는 것이다.The input transaction approval code is transmitted to the transaction payment providing system, and the transaction payment providing system compares the transaction approval code transmitted from the buyer system with the transaction approval code registered in advance by the seller to check whether there is a match. As described above, the transaction approval code registered in advance by the seller is stored in the member DB or a separate DB, and this DB is ultimately stored in the memory of the transaction payment providing system.
거래 승인 코드가 일치할 경우, 거래 결제 제공 시스템은 구체거래정보 데이터를 해석하고(ST10), 해석된 구체거래정보를 이용하여 구매자 시스템에 구체거래정보가 포함된 금액 확정창을 제공한다(ST11). 도 3은 금액 확정창의 일 예를 도시한 것이다. 구매자 시스템은 거래 결제 제공 시스템의 회원 여부에 대해서 체크한다. 회원인 경우 결제 제공 시스템에 저장된 배송지 및 회원 식별자(예로서 회원 ID)를 가져와서 금액 확정창에 디스플레이하게 된다. 비회원인 경우에는 금액 확정창에 제시된 모든 정보를 직접 입력해야 한다.If the transaction approval codes match, the transaction settlement providing system interprets the specific transaction information data (ST10), and provides the amount confirmation window including the specific transaction information to the buyer system using the analyzed specific transaction information (ST11). . Figure 3 shows an example of the amount confirmation window. The buyer system checks whether a member of the transaction settlement providing system. In the case of a member, a shipping address and a member identifier (for example, a member ID) stored in the payment providing system are taken and displayed in the amount confirmation window. If you are a non-member, you will have to manually enter all the information presented in the amount confirmation window.
구매자는 거래에 필요한 거래 수량, 배송지 정보, 배송비 결제 주체, 구매 상품명 및 거래 메모를 포함한 나머지 정보를 입력한다(ST12). 이때 본 발명에서는 상품별로 입금 여부를 판단할 수 있는 시스템으로 구축되어 있지 않기 때문에 어떤 상품을 구매하는 것인지를 표시하는 구매 상품명을 입력하도록 하고, 추가적으로 거래 메모에 대한 정보를 입력하도록 한다. 본원의 발명자가 선출원한 한국특허출원 10-2008-116867호에서 제시된 발명에서도 회원별로 고유한 입금창의 경우 판매자별로 고유한 입금창이 하나만 주어진다. 그런데 해당 선출원은 판매자가 다수의 물품을 판매할 경우 금액을 용이하게 변경할 수 없을 뿐만 아니라 구매자에게 제시되는 금액확정창에 구매하고자 하는 물품명을 제시하지 못하기 때문에 구매자가 구매금액과 구매하고자 하는 상품명을 기재하도록 하는 불편함이 존재하였다. 본 발명에서는 본원 발명자가 선출원한 한국특허출원 10-2008-116867호에서 발생되는 상기 두 가지 문제점을 구체거래정보 데이터를 이용하여 해결할 수 있게 되었다.The buyer inputs the remaining information including the transaction quantity, the delivery address information, the shipping charge settlement agent, the purchase name, and the transaction memo required for the transaction (ST12). At this time, since the present invention is not constructed as a system for determining whether to deposit each product, a purchase brand name indicating which product to purchase is inputted, and information about a transaction memo is additionally input. In the invention presented in Korean Patent Application No. 10-2008-116867 filed by the inventor of the present application, only one unique payment window is provided for each seller in the case of a unique payment window for each member. However, the applicant is not able to easily change the amount if the seller sells a large number of items, and the buyer cannot provide the name of the item to be purchased in the amount confirmation window presented to the buyer. There was an inconvenience to describe. In the present invention, the above two problems arising from Korean Patent Application No. 10-2008-116867 filed by the inventor of the present application can be solved using specific transaction information data.
따라서 본 발명에서는 구매자가 입금할 경우 구체거래정보 데이터에 포함된 '물품명'을 이용하여 어떤 상품에 대한 결제가 이루어졌는지 판매자가 용이하게 판단할 수 있게 되었다. 어떤 상품이 판매되었는지 여부를 손쉽게 해결할 수 있는 또 다른 대안으로는 판매자가 상품을 등록할 때 해당 웹 환경의 url을 저장하고, 구매자가 상품을 구매하고자 할 때 해당 웹 환경의 url을 가져와서 상품 판매 등록시 저장된 url과 비교하여 양자를 연관되게 디스플레이할 수는 있으나 이러한 방법도 정확하게 상품별로 어느 정도 수량이 팔렸으며 매출액이 얼마인지 등에 대한 데이터를 알려 주기에는 어려움이 있다.Therefore, in the present invention, when the buyer makes a deposit, the seller can easily determine which product is settled using the 'item name' included in the specific transaction information data. Another easy way to determine whether a product has been sold is to store the product's url when the seller registers the product, and to retrieve the product's url when the buyer wants to buy the product. Compared to the stored url at the time of registration, both can be displayed as related, but this method is also difficult to tell the data on how much quantity was sold by product and how much sales.
금액 확정창에서는 구매자 전화번호도 입력하게 예시되었는데, 구매자가 거래 결제 제공 시스템의 회원인 경우에는 해당 시스템에서 가져와서 제공할 수 있지만 비회원인 경우에는 직접 입력하도록 한다. 구매자 전화 번호 외에도 이메일 주소 등을 입력하도록 할 수도 있으며, 전화번호 또는 이메일 어드레스 등의 구매자별로 고유한 정보는 향후 비회원 구매 정보를 제공하는 키(key) 값으로 사용할 수 있다.In the amount confirmation window, the purchaser's telephone number is also inputted. If the buyer is a member of the transaction settlement providing system, the purchaser can bring it from the corresponding system, but if the buyer is a non-member, enter it directly. In addition to the purchaser's phone number, an e-mail address or the like may be entered, and buyer-specific information such as a phone number or e-mail address may be used as a key value for providing non-member purchase information in the future.
도 3에 예시된 금액 확정창에서는 거래 승인 코드를 입력하도록 하였는데, 거래 승인 코드는 도 2에 예시된 바와 같이 금액 확정창 이전에 입력하도록 하거나 또는 도 3에 도시된 바와 같이 금액 확정창과 함께 입력하도록 할 수 있다. 도 3에서와 같이 금액 확정창에 입력할 경우에도 판매자가 사전 등록한 거래 승인 코드와 비교 확인하는 작업이 거래 승인 전에 이루어져야 한다. 금액 확정창도 해당 상품을 등록한 거래 결제 제공 시스템의 회원 식별자를 메타 정보로 가지고 있어야 한다.In the amount confirmation window illustrated in FIG. 3, a transaction approval code is inputted, but the transaction approval code is inputted before the amount confirmation window as illustrated in FIG. 2 or together with the amount confirmation window as shown in FIG. 3. can do. Even when entering into the amount confirmation window, as shown in Figure 3, the comparison of the transaction approval code pre-registered by the seller must be performed before the transaction approval. The amount confirmation window should also have the member identifier of the transaction payment provision system that registered the product as meta information.
구매자 시스템이 금액 확정창 입력을 완료하면(ST12), 거래 결제 제공 시스템은 금액 확정창 입력 내용을 저장한다(ST13). 이러한 저장은 DB 또는 테이블 형태 등으로 이루어지는데, 예를 들어 금액 확정창의 입력 내용이 상품정보 DB에 저장된다고 가정하기로 한다. 통상의 전자상거래 시스템에서는 판매자가 판매하고자 하는 물품을 등록하는 시점에 상품정보 DB 또는 판매DB가 생성된다. 여기서 상품정보DB 또는 판매DB는 판매자가 판매하고자 하는 상품에 대한 정보를 저장하는 DB를 의미하는 것이다. 하지만 본 발명에 따른 거래 결제 제공 시스템은 판매자가 입금창을 웹 환경에 붙여넣어 노출시키는 것만으로는 특별한 거래가 일어난 것이 아니므로 이 단계까지는 굳이 판매하고자 하는 상품을 보관할 필요가 없다. 구매자가 입금창을 클릭하는 단계 또는 구매자가 입금을 완료하는 단계에서 상품정보 DB 또는 판매DB를 생성하여도 무방하다. 상품정보 DB에는 결제 금액, 수량, 웹 환경 url, 구매상품, 배송지, 구매자 전화번호, 거래 메모에 대한 정보가 저장된다. 한편 거래 결제 제공 시스템은 구매자에게도 구매를 진행한 상품에 대한 정보를 제공하여야 하는데 이를 위해서 회원인 경우 회원 구매 DB를 이용하여 내용을 제공하고, 비회원인 경우 비회원 구매 DB를 이용하여 구매 내용을 제공하게 된다(ST14). 회원 구매 DB에는 "회원 ID, 결제 금액, 수량, 거래 웹 환경 url, 배송지, 구매자 전화번호, 구매 상품명, 거래 메모"가 저장되며, 비회원 구매 DB에는 "결제 금액, 수량, 거래 웹 환경 url, 배송지, 구매자 전화번호, 구매 상품명, 거래 메모"가 저장된다. 구매자가 거래 결제 제공 시스템에 로그인하여 구매 진행에 대한 진행 사항을 파악할 필요가 있을 경우 회원인 경우에는 회원 ID를 이용하여 로그인하도록 하고, 비회원인 경우 비회원을 식별할 수 있는 구매자 전화번호, 또는 이메일 주소 등을 사용하도록 한다.When the purchaser system completes the input of the amount confirmation window (ST12), the transaction settlement providing system stores the content of the amount confirmation window input (ST13). Such storage is performed in the form of a DB or a table. For example, it is assumed that the input contents of the amount confirmation window are stored in the product information DB. In a typical electronic commerce system, a product information DB or a sales DB is generated at the time when a seller registers an item to be sold. In this case, the product information DB or the sales DB means a DB that stores information about a product to be sold by the seller. However, the transaction payment providing system according to the present invention does not need to store a product to be sold until this step because the seller does not have a special transaction just by exposing the deposit window to the web environment. The product information DB or the sales DB may be generated when the buyer clicks the deposit window or when the buyer completes the deposit. The product information DB stores information about payment amount, quantity, web environment url, purchased product, shipping address, buyer phone number, and transaction memo. On the other hand, the transaction payment provision system should provide the buyer with information on the product that has been purchased. For this purpose, the member provides the contents using the member purchase DB, and the non-member provides the purchase contents using the non-member purchase DB. (ST14). Member purchase DB stores "Member ID, payment amount, quantity, transaction web environment url, shipping address, buyer phone number, purchase name, transaction memo", and non-member purchase DB "payment amount, quantity, transaction web environment url, shipping address" , Buyer phone number, purchase name, and transaction memo "are stored. If the buyer needs to log in to the transaction payment provisioning system and understand the progress of the purchase, the member should log in using the member ID. If the member is a non-member, the buyer's telephone number or email address can identify the non-member. Etc. to use.
거래 결제 제공 시스템은 구매자가 선택한 입금 방식에 따라 결제 모듈을 제공하고 결제를 유도한다(ST15, ST16, ST17). 입금 방식에 따른 결제 모듈을 제공하는 방법은 옥션 사이트 등에서 널리 사용되고 있는 방식이므로 자세한 설명은 생략하기로 한다. 간략하게 설명하면 무통장 입금인 경우에는 거래 결제 제공 시스템이 해당 판매자의 가상계좌 번호를 구매자에게 통지함으로써 처리가 가능하고, 신용카드 및 핸드폰 결제의 경우 PG사에 결제 금액을 통지하고, PG사를 통해서 결제를 대행하게 된다.The transaction payment providing system provides a payment module and induces payment according to the payment method selected by the buyer (ST15, ST16, ST17). The method of providing a payment module according to a deposit method is widely used in an auction site, so a detailed description thereof will be omitted. Briefly, in the case of unpaid deposit, the transaction settlement providing system can process the seller's virtual account number by notifying the buyer, and in the case of credit card and mobile phone payment, notify the payment amount to PG company and make payment through PG company. Act on behalf of.
이후 결제 내용을 구매자 및 판매자에게 통지하고, 판매자에게 배송을 요청하는 단계, 구매자가 거래를 승인하는 단계 등은 종래 옥션 사이트, G 마켓 사이트가 운영하는 방식과 대동소이하므로 자세한 설명을 생략하기로 한다.After that, the buyers and sellers are notified of the payment details, and the steps of requesting the seller to deliver the goods and the steps of approving the transaction are similar to those of the auction site and the G market site. .
본 발명에서는 전술한 바와 같이 상품 판매 또는 구매에 대한 중심이 상품별로 제공되는 것이 아니라 판매자별로 제공되는 것을 특징으로 한다. 따라서 동일한 판매자이 여러 물품을 판매할 경우 상품 DB가 거래 결제 제공 시스템에 구비되어 있지 않으므로 어떤 물품이 얼마나 팔리고, 재고가 얼마가 남아 있는 등에 관한 구체적인 정보는 알 수가 없다. 이는 본 발명에서 대상으로 하는 거래가 주로 개인간의 소수 물품을 판매하는 것에 촛점이 맞혀있기 때문에 구매 상품명과 거래 메모로서 판매자와 구매자 사이에 거래되는 내역을 확인할 수 있도록 하고 있기 때문이다.In the present invention, as described above, the center for the sale or purchase of goods is not provided for each product, but for each seller. Therefore, when the same seller sells multiple items, the product DB is not provided in the transaction settlement providing system, so detailed information about how much is sold and how much is left is not known. This is because the transaction targeted by the present invention mainly focuses on selling a small number of items between individuals, so that the details of the transaction between the seller and the buyer can be confirmed as a purchase name and a transaction memo.
실질적으로 발생할 수 있는 거래를 가정하여 도 4, 도 5 및 도 6을 이용하여 설명하기로 한다. 도 4와 같이 판매자가 웹 환경 "www.naver.com/blog/닥터지박꼬" 에 세 가지 상품을 판매하고자 등록하였다고 가정하자. 종래 상품 거래 사이트에서는 판매하고자 하는 상품마다 별개의 상품 등록 페이지를 생성하여야 한다. 이는 결국 상품별로 거래가 이루어지고 데이터 베이스 운영 및 결제 처리 등도 상품별로 이루어지는 것이다. 하지만 본 발명에서는 회원별로 고유한 입금창을 사용함으로써 동일한 입금창으로 세 가지 물품을 거래할 수 있게 된다. 도 4에서는 각 물품을 거래하기 위한 입금창(4-1, 4-2, 4-3)이 각 물품 별도 옆에 제시되어 있음을 알 수 있다. 이때 제시된 세 개의 입금창(4-1, 4-2, 4-3)에는 판매자의 회원 식별자가 메타 정보로 저장되어 있다. 또한 도 2의 절차에서 ST3 단계까지 진행한 경우, 즉 해당 웹 환경에 입금창을 복사한 단계까지만 진행한 경우,에는 모두 동일한 입금창으로 웹 환경에 저장된다. 도 4에 제시된 세 개의 입금창(4-1, 4-2, 4-3)은 도 2의 ST4 단계를 진행함에 따라 서로 다른 구체거래정보 데이터가 입력되므로 서로 다른 메타 정보가 저장되게 된다.It will be described with reference to Figs. 4, 5 and 6 assuming a transaction that can occur substantially. Assume that the seller has registered to sell three products in the web environment "www.naver.com/blog/Dr. Gbakko" as shown in FIG. In the conventional merchandise trading site, a separate product registration page should be generated for each product to be sold. In the end, transactions are made by products, and database operations and payment processing are performed by products. However, in the present invention, by using a unique deposit window for each member it is possible to trade three items with the same deposit window. In FIG. 4, it can be seen that deposit windows 4-1, 4-2, and 4-3 for trading each item are presented next to each item separately. In this case, the three payment windows 4-1, 4-2, and 4-3 presented store the member identifier of the seller as meta information. In addition, when the procedure of FIG. 2 is performed up to the step ST3, that is, only the step of copying the deposit window to the corresponding web environment, all are stored in the web environment as the same deposit window. The three deposit windows 4-1, 4-2, and 4-3 shown in FIG. 4 are stored with different meta information because different specific transaction information data is input as the ST4 step of FIG.
*예를 들어, ST3 단계까지만 진행된 입금창(4-1, 4-2, 4-3)을 html 언어로 표시하면 모두 "http://www.eummoney.com/mc/index.jsp?mc_id=회원식별ID"로 표시될 수 있다. 여기서 www.eummoney.com 은 거래 결제 제공 시스템의 도메인 주소가 되며, 회원식별ID는 판매자 식별자에 해당된다. 이후 ST4 단계에서 각 입금창에 구체거래정보 데이터가 입력되면 각각의 입금창에 해당되는 html 언어는 가격과 물품명이 구체적으로 특정되는 입금창으로 변경 저장되게 된다. 예를 들어, 입금창(4-1)은 "http://www.eummoney.com/mc/index.jsp?mc_id=회원식별ID / 300,000 / 헬스 자전거"의 html 언어로 저장될 것이고, 입금창(4-2)은 "http://www.eummoney.com/mc/index.jsp?mc_id=회원식별ID / 20,000 / 킥보드"의 html 언어로 저장될 것이고, 입금창(4-3)은 "http://www.eummoney.com/mc/index.jsp?mc_id=회원식별ID / 100,000 / 세이코 007 시계"의 html 언어로 저장될 것이다.* For example, if the deposit window (4-1, 4-2, 4-3), which has been performed up to step ST3, is displayed in html language, all of them are "http://www.eummoney.com/mc/index.jsp?mc_id= Member Identification ID ". Here, www.eummoney.com is the domain address of the transaction settlement providing system, and the member identification ID corresponds to the seller identifier. Subsequently, when the specific transaction information data is input to each deposit window in step ST4, the html language corresponding to each deposit window is changed and stored into a deposit window in which a price and a product name are specifically specified. For example, the deposit window 4-1 will be stored in the html language of "http://www.eummoney.com/mc/index.jsp?mc_id=Member ID / 300,000 / fitness bike" (4-2) will be saved in the html language of "http://www.eummoney.com/mc/index.jsp?mc_id=Member ID / 20,000 / Kickboard", and the deposit window (4-3) will be " http://www.eummoney.com/mc/index.jsp?mc_id=Member ID / 100,000 / Seiko 007 Clock "will be saved in the html language.
도 5는 구매자 "헬쓰맨"이 헬스 자전거를 구입하기 위해 금액 확정창을 입력한 예이며, 도 6은 구매자 "지름신강림"이 세이코 시계를 구비하기 위해 금액 확정창을 입력한 예이다. 물론 도 4에 도시된 입금창(4-1, 4-3)을 구매자 "헬쓰맨" 및 "지름신강림"이 각각 클릭한 결과이며, 본 발명에서 제시되는 입금창은 복수의 구매자 사이에서 반복 사용할 수 있는 것이다.5 is an example in which the purchaser "Healthman" inputs the amount confirmation window to purchase a health bike, Figure 6 is an example in which the buyer "diameter Xinhua" input the amount confirmation window to have a Seiko watch. Of course, it is the result of the purchasers "Health Man" and "Diamond Advent" clicked on the deposit windows 4-1 and 4-3 shown in FIG. 4, and the deposit windows presented in the present invention can be repeatedly used among a plurality of buyers. It can be.
도 5에 도시된 바와 같이 구매자 "헬쓰맨"이 입금창(4-1)을 클릭하면 거래 결제 제공 시스템은 해당 입금창에 저장된 jsp 문을 실행하면서 구분자(/) 뒤에 추가로 입력되는 구체거래정보 데이터를 해석한 후 이를 금액 확정창에 디스플레이하게 된다. 거래 결제 제공 시스템은 "헬쓰맨"이 거래 결제 제공 시스템의 회원인 경우 해당 시스템에 저장된 주소(배송지), 구매자 전화번호를 가져와서 금액 확정창에 디스플레이 하며, 디스플레이된 내용에 변경이 있을 경우 구매자 "헬쓰맨"이 수정할 수 있음은 물론이다. 거래 페이지는 구매자 "헬쓰맨"이 입력하지 않고, 금액 확정창이 생성될 때 입금창이 제공된 웹페이지의 URL에 대한 정보를 입수하여 이를 디스플레이하도록 한다. 다음으로 구매자 "헬쓰맨"은 수량, 배송비 결제 주체, 입금 방식, 거래 메모를 입력하도록 한다. 만약 거래 메모란에 구매하고자 하는 상품명을 기입할 경우에는 구매 상품란을 중복되는 정보이므로 생략하여도 무방하다.As shown in FIG. 5, when the purchaser "healthman" clicks the deposit window 4-1, the transaction payment providing system executes the jsp statement stored in the deposit window, and additionally enters the specific transaction information after the separator (/). After interpreting the data, it is displayed in the amount confirmation window. The transaction payment providing system obtains the address (shipping address) and the buyer's phone number stored in the system if the "HealthMan" is a member of the transaction payment providing system, and displays it on the amount confirmation window. Of course, "HealthMan" can be modified. The transaction page is not inputted by the buyer "Healthman", but when the amount confirmation window is generated, it obtains and displays information about the URL of the web page provided with the deposit window. Next, the buyer "Healthman" enters the quantity, the shipping agent, the payment method, and the transaction memo. If a trade name to be purchased is entered in the transaction memo field, the purchased product field may be omitted since it is overlapping information.
도 6에 도시된 바와 같이 구매자 "지름신강림"은 거래 결제 제공 시스템의 회원이 아니므로 거래 페이지를 제외한 나머지 정보를 직접 입력하도록 한다. 도 5 및 도 6과 같이 구매자가 입력한 정보는 거래 결제 제공 시스템에 DB 또는 테이블 형태 등의 방식으로 저장된다.As shown in FIG. 6, the buyer “Diamond Advent” is not a member of the transaction settlement providing system, so the remaining information except for the transaction page is directly input. As shown in FIGS. 5 and 6, the information input by the buyer is stored in the transaction payment providing system in a DB or table form.
도 7은 판매자 "닥터지박꼬"가 거래 결제 제공 시스템에 로그인하고 판매 진행 상황을 조회하였을 때 디스플레이되는 화면의 일 예이다. 도 7의 화면에 도시한 바와 같이 본 발명에서는 해당 상품이 판매되었는지 여부를 시스템이 자동으로 판단하는 방식이 아니라 판매자가 입금창에 추가로 입력한 구체거래정보 데이터 또는 구매자가 입력한 거래 메모를 해당 판매자에게 디스플레이 될 수 있도록 함으로써 어떤 상품이 거래되었음을 육안을 통해서 확인하는 방식임을 알 수 있다.7 is an example of a screen displayed when the seller "Dr. Ji Bakko" logs into the transaction payment providing system and inquires about the sales progress. As shown in the screen of FIG. 7, the present invention is not a method of automatically determining whether the corresponding product is sold, but specific transaction information data input by the seller in the deposit window or transaction memo input by the buyer. It can be seen that by visually confirming that a product has been traded by allowing it to be displayed to the seller.
이하에서는 구체적인 구현예에 대해 설명하기로 한다.Hereinafter, specific embodiments will be described.
도 8은 본 발명에 따른 거래 결제 제공 시스템과 주변 시스템 간의 업무 흐름에 대한 업무 흐름도이다. 판매자 시스템은 거래 결제 제공 시스템에 회원 가입한다(s1). 도 9는 회원 가입 화면을 보여주는 일 예로서, 회원 가입 시 실명확인, 회원 ID, 비밀번호, 이메일을 입력받으며, 해당 내용은 회원 DB에 저장된다. 결제 계좌는 결제 시스템으로부터 실제 돈을 인출하는 순간 입력하도록 하였다.8 is a flowchart illustrating a work flow between a transaction settlement providing system and a peripheral system according to the present invention. The merchant system registers as a transaction payment providing system (s1). 9 shows an example of a member registration screen. When a member is registered, a real name confirmation, a member ID, a password, and an e-mail are input. The contents are stored in a member DB. The payment account is entered as soon as the real money is withdrawn from the payment system.
거래 결제 제공 시스템은 회원 가입을 완료한 회원에게 회원마다 고유한(unique) 입금창을 생성한 후 제공한다(s2). 입금창은 웹 환경에 노출될 때에는 외형상 단순한 버튼으로 보여지며, 해당 버튼에는 메타 정보로서 판매자인 회원을 식별하는 회원 식별자(예를 들어 회원 ID)가 저장된다. 여기서 회원마다 고유한 입금창이라는 것은 통상의 전자상거래 시스템이 판매 중인 상품을 키(key)로 하여 고유한 입금창에 대비되는 용어로서, 동일한 회원이면 판매하는 상품의 종류 및 수량에 무관하게 고유하게 하나로 부여되는 것이다. The transaction settlement providing system generates a unique deposit window for each member to the member who has completed the membership registration (s2). The deposit window is shown as a simple button in appearance when exposed to the web environment, and the button stores a member identifier (for example, a member ID) that identifies a member who is a seller as meta information. Here, a unique deposit window for each member is a term used to contrast a unique deposit window with the product being sold by a normal e-commerce system as a key. If the same member is used, it is unique regardless of the type and quantity of products sold. It is given as one.
도 10은 회원에게 제공되는 입금창의 일 예이다. 본 발명에서는 입금창을 세가지 형태로 제공한다. 첫번째는 이미지 게시판에서 사용할 수 있는 이미지 형태(101)이며, 두번째는 HTML 형태(103)이며, 마지막으로는 URL 형태(105)이다.10 is an example of a deposit window provided to a member. In the present invention, the deposit window is provided in three forms. The first is the image form 101 that can be used in the image bulletin board, the second is the HTML form 103, and finally the URL form 105.
이미지 게시판 형태(101)로 입금창을 웹 환경에 제공하기 위해 클립보드에 복사를 수행하는 소스 코드의 일 예를 자바스크립트 "function copy_all()"로 구현한 예이다.An example of source code for copying to a clipboard to provide a deposit window in an image bulletin board 101 to a web environment is an example of implementing JavaScript "function copy_all ()".
function copy_all()function copy_all ()
{{
var text = document.item.document.body.createTextRange();     var text = document.item.document.body.createTextRange ();
text.select();     text.select ();
text.execCommand("Copy");     text.execCommand ("Copy");
}}
첫번째 var text 문장은 복사할 이미지의 영역을 지정하고, 두번째 text.select()문장은 해당 영역을 선택하는 명령어이며, 마지막 문장은 이를 판매자 시스템의 클립보드에 복사하는 명령어이다.The first var text statement specifies the area of the image to copy, the second text.select () statement selects the area, and the last statement copies it to the vendor's clipboard.
HTML 형태(103)로 제공되는 소스 코드는The source code provided in HTML form 103 is
function copy_html(){function copy_html () {
var ele = document.item.document.body;     var ele = document.item.document.body;
var maintext = ele.innerHTML;     var maintext = ele.innerHTML;
window.clipboardData.setData("Text", maintext);     window.clipboardData.setData ("Text", maintext);
}}
를 예로 들 수 있는데 객체를 document.item.document.body에 저장한 후, 이를 maintext에 변수에 저장하고, 판매자 시스템의 클립 보드에 해당 내용을 복사하는 것이다.For example, you can store an object in document.item.document.body, store it in a variable in maintext, and copy its contents to the vendor's clipboard.
URL 형태(105)로 제공되는 소스 코드는The source code provided in URL form 105 is
function copy_link(){function copy_link () {
var maintext = "http://www.eummoney.com/mc/index.jsp?mc_id=회원식별ID";    var maintext = "http://www.eummoney.com/mc/index.jsp?mc_id=Member Identification ID";
indow.clipboardData.setData("Text", maintext);     indow.clipboardData.setData ("Text", maintext);
} }
으로 구현할 수 있다.Can be implemented.
상기 세 가지 형태의 입금창에는 "http;//www.eummoney.com/mc/ index.jsp?mc_id=회원식별ID"가 메타 정보로 기록된다. 이 중에서 "http;//www.eummoney.com/mc/index.jsp"는 구매자가 웹환경에 복사된 입금창을 클릭하였을 때 실행되는 jsp 언어이며, 판매자의 회원식별코드 또는 회원 ID가 변수로서 저장되는 것이다. 즉, 본 발명에 따라 제공되는 입금창에는 판매자의 회원 식별자와 구매자에게 결제 금액을 입력하는 필드가 포함된 창을 생성하도록 하는 메타 정보가 포함되게 된다.In the three types of deposit windows, "http; // www.eummoney.com/mc/index.jsp?mc_id=member identification ID " is recorded as meta information. Among these, "http; // www.eummoney.com/mc/index.jsp" is a jsp language executed when the buyer clicks the deposit window copied to the web environment, and the member identification code or member ID of the seller is used as a variable. It is stored. That is, the deposit window provided according to the present invention includes meta information for generating a window including a member identifier of a seller and a field for inputting a payment amount to a buyer.
판매자는 웹 환경에 판매하고자 하는 상품을 등록하고, 입금창을 복사하여 해당 웹 환경에 노출시킨다(s3). 입금창의 복사는 거래 결제 제공 시스템에서 판매자의 클립보드로 복사한 후, 해당 웹 환경에 붙여넣기를 통해 이루어진다. 도 11은 파란을 통해 이메일을 송부할 때 이메일 본문에 입금창(111)을 복사하여 구매자에게 송부하는 일 예시도이다. 도 11에서는 웹환경으로 이메일 본문을 설정한 것이고, 이외에도 웹환경으로는 인터넷 게시판, 블로그, 동호회 사이트, 개인 홈페이지, 포럼, 미니 홈피, 등의 인터넷상의 활동 공간을 들 수 있다.The seller registers the product to be sold in the web environment, copies the deposit window and exposes it to the web environment (s3). Copying of the deposit window is made by copying from the transaction payment providing system to the seller's clipboard and pasting it into the web environment. 11 is an exemplary view of copying the deposit window 111 in the body of the email and sending it to the buyer when sending the email through blue. In FIG. 11, an e-mail body is set as a web environment. In addition, the web environment includes an activity space on the Internet such as an internet bulletin board, a blog, a community site, a personal homepage, a forum, a mini homepage, and the like.
해당 입금창은 판매하고자 하는 상품 가격 및 물품명에 대한 정보가 전혀 반영되지 않는 상태이므로, 웹 환경에서 제공하는 html 등의 문서 편집기를 이용하여 입금창에 구체거래정보 데이터를 입력한다. 도 12는 웹 환경에 노출된 입금창을 소비자가 클릭할 때 실행되는 명령어를 html 편집기 상에 표시한 것이며, 이중 (a)는 판매자가 구체거래정보 데이터가 입력되기 전의 입금창의 html 언어이며, (b)는 네모 영역내에 표시된 바와 같이 판매자에 의해 추가되는 구체거래정보 데이터의 입력 형식을 표시한 예이며, (c)는 판매자에 의해 구체적인 데이터가 추가된 구체거래정보 데이터가 입력된 이후의 입금창의 html 언어이다.Since the deposit window does not reflect any information on the product price and product name to be sold, the specific transaction information data is input to the deposit window using a text editor such as html provided in a web environment. FIG. 12 shows a command executed in a html editor when a consumer clicks on a deposit window exposed to a web environment, and (a) is the html language of the deposit window before the seller enters specific transaction information data. b) shows an example of the input format of the specific transaction information data added by the seller as indicated in the square area, and (c) shows the deposit window after the specific transaction information data to which the specific data has been added by the seller. html language.
"www.eummoney.com/mc/index.jsp?"는 웹 환경에 노출된 입금창을 구매자 시스템이 클릭할 때 실행되는 jsp 명령문을 나타내는 것이며, "/"는 필드 구분자이고, 필드 구분자 사이에 입력되는 "데이터1", "데이터2" 및 "데이터n"은 구매자가 웹 환경에 노출된 입금창을 눌렀을 때 거래 결제 제공 시스템에서 생성하여 제공하는 금액 확정창에 표시하고자 하는 판매 상품에 대한 정보이다. 이러한 구체거래정보 데이터의 입력 형식은 거래 결제 제공 시스템과 판매자와 사전에 약속된 형식으로 입력되어야 한다. 보다 상세하게는 거래 결제 제공 시스템이 구체거래정보 데이터를 입력하는 규칙을 정하고, 이를 판매자에게 숙지하도록 하는 것이다. 거래 결제 제공 시스템은 구체거래정보 데이터를 입력받은 후, 이를 해석하고, 해석된 정보를 금액 확정창에 제공한다. 구체거래정보 데이터가 입력되지 않은 경우에는 해당 데이터를 입력할 수 있는 입력 필드를 갖는 금액 확정창을 구매자에게 제공하는 것으로 한다. 예를 들어 도 12의 실시예에서 입금창을 클릭할 때 실행되는 실행문에 대한 html 언어를 "http://www.eummoney.com/mc/index.jsp?mc_id=회원식별ID / /킥보드"로 변경할 경우, 구매자 시스템에 제공되는 금액 확정창에는 상품 금액을 입력할 수 있는 필드가 제공되도록 하는 것이다. 도 12의 실시예에서는 필드 구분자로 "/"를 사용하였고, 첫번째 데이터 필드인 데이터1은 가격을 표시하고, 두번째 데이터 필드인 데이터2는 물품명을 표시하는 실시예이다. 데이터 필드의 갯수와 속성은 거래 결제 제공 시스템이 결정하는 것이므로 특별히 제한되지 않으며, 가격과 물품명 외에도 여러 개의 데이터를 표현할 수 있음은 물론이다."www.eummoney.com/mc/index.jsp?" represents a jsp statement that is executed when the buyer's system clicks on the deposit window exposed in the web environment, "/" is a field separator, and is entered between the field separators. "Data1", "Data2" and "Datan" are information about the merchandise to be displayed in the amount confirmation window generated and provided by the transaction settlement providing system when the buyer presses the deposit window exposed to the web environment. . The input form of such specific transaction information data should be entered in a form previously agreed with the transaction settlement providing system and the seller. More specifically, the transaction settlement providing system sets a rule for inputting specific transaction information data and makes the seller familiar with it. The transaction settlement providing system receives the specific transaction information data, interprets it, and provides the interpreted information to the amount confirmation window. If no specific transaction information data is input, the purchaser is provided with an amount confirmation window having an input field for inputting the corresponding data. For example, in the embodiment of FIG. 12, the html language for the execution statement executed when the deposit window is clicked is "http://www.eummoney.com/mc/index.jsp?mc_id=Member identification ID / kickboard". In this case, the amount confirmation window provided to the buyer system provides a field for inputting a product amount. In the embodiment of FIG. 12, "/" is used as a field separator. The first data field, Data1, displays a price, and the second data field, Data2, displays an article name. The number and attributes of the data fields are determined by the transaction settlement providing system, and thus are not particularly limited. In addition to the price and the item name, a plurality of data may be expressed.
구매자 시스템은 웹 환경을 서핑하다가(s5) 구매하고자 하는 상품을 발견한 경우, 해당 웹 환경에서 제공하는 문자, 채팅 또는 웹 환경에 기재된 판매자의 전화번호 등을 통하여 판매자에게 구매를 요청하게 된다(s6). 판매자와 해당 구매자 사이에서 협의가 원만히 진행되어 구매자가 웹 환경에 노출된 입금창을 클릭하면 거래 결제 제공 시스템은 구체거래정보 데이터를 해석하고, 이를 이용하여 구매자 시스템에 금액 확정창을 제공한다(s7, s8, s9).When the buyer system surfs the web environment (s5) and finds a product to purchase, the purchaser system requests the seller to purchase through a text, chat or phone number of the seller described in the web environment (s6). ). When the negotiation is smoothly conducted between the seller and the buyer, and the buyer clicks on the deposit window exposed to the web environment, the transaction settlement providing system interprets the specific transaction information data and uses it to provide the amount confirmation window to the buyer system (s7). , s8, s9).
금액 확정창을 제공하는 소스 코드의 일 례를 제시한다.Here is an example of the source code that provides the amount confirmation window.
<A <A
onfocus=blur() onfocus = blur ()
href="http://www.eummoney.com/mc/index.jsp?mc_id=if회원식별ID / 20000 / 킥보드" target=_blank>href = "http://www.eummoney.com/mc/index.jsp?mc_id=ifMember ID / 20000 / Kickboard" target = _blank>
</A></A>
금액 확정창 제공 소스 코드에서 첫 번째 줄은 그래픽을 고려하여 커서의 포커스를 없애라는 명령어이고, 두 번째 href 문장은 http://www.eummoney.com/mc 디렉토리 하에 저장되어 있는 "index.jsp"라는 jsp 언어를 실행하고, 해당 jsp 언어를 실행할 때 회원식별ID, '데이터1(20000)'과 '데이터2(킥보드)'를 변수(파라미터)로 사용하도록 하는 것이다. 좀더 정확한 표현으로는 href문을 통해서 링크되어서 실행될 실행문이 놓여지는 주소 http://www.eummoney.com/mc/index.jsp"와 해당 실행문을 실행할 때 사용되는 변수를 판매자 식별번호, 상품가격 및 상품명을 지정하여 송부하는 것이다.Providing the Amount Confirmation Window In the source code, the first line is the command to remove the focus of the cursor considering the graphic. The second href statement is "index.jsp" stored under the http://www.eummoney.com/mc directory. Jsp language, and use the member identification ID, 'data1 (20000)' and 'data2 (kickboard)' as variables (parameters). More precisely, the address http://www.eummoney.com/mc/index.jsp where the executable statement is executed, linked through the href statement, and the variable used to execute the statement, are identified by the seller's identification number, product The price and brand name are specified and sent.
거래 결제 제공 시스템은 index.jsp 문을 실행하고, 판매자 식별번호를 이용하여 판매자를 식별하고, 구체거래정보 데이터로 입력되는 상품 가격 및 상품명을 해석하고, 해석된 정보를 바탕으로 도 13 또는 도 14와 같은 금액 확정창(120)을 구매자 시스템에 제공한다.The transaction settlement providing system executes an index.jsp statement, identifies a seller using a seller identification number, interprets a product price and a product name input as specific transaction information data, and based on the interpreted information, FIG. 13 or 14. It provides the amount confirmation window 120, such as to the buyer system.
도 13은 구매자가 결제 제공 시스템의 회원일 경우 금액 확정창의 구체적인 실시예를 도시한 것이고, 도 14는 구매자가 비회원일 경우 금액 확정창의 구체적인 실시예를 도시한 것이다. 도 13과 도 14의 차이는 비회원용 서비스 이용 약관을 제시하는 것과 구매자 정보 입력 필드(125)에 있어서만 차이가 있음을 알 수 있다.Figure 13 shows a specific embodiment of the amount confirmation window when the buyer is a member of the payment providing system, Figure 14 shows a specific embodiment of the amount confirmation window when the buyer is a non-member. It can be seen that the difference between FIG. 13 and FIG. 14 differs only in the provision of the non-member service terms and conditions and the purchaser information input field 125.
금액 확정창(120)은 상위 메뉴(121)와, 상품 정보 및 구매자 정보를 입력하는 필드를 제공하거나 디스플레이하는 수단으로써 통상 구매자 시스템의 디스플레이에 팝업창 형태로 제공된다. 상위 메뉴(121)에는 입금창을 생성하기 위한 '이음태그' 메뉴와 해당 회원이 판매 중인 상품 또는 구매 중인 상품을 표시하기 위한 진행중인 거래를 표시하기 위한 '진행중인 거래' 메뉴와, 구매자가 입금한 금액을 인출하기 위한 '출금관리' 메뉴와, 거래가 종료된 물품 거래를 디스플레이하기 위한 '종료한 거래' 메뉴가 포함된다. 상품 정보란에는 입금창의 데이터 필드(데이터1)에 해당하는 '상품 금액'과 데이터 필드(데이터2)에 해당하는 '상품명'이 디스플레이되고, 구매자가 판매자에게 전달하고 싶은 요구 사항 등을 기재하기 위한 거래 메모란(123)이 제공된다. 상품 금액 옆에는 금액변경버튼(124)이 더 제공되는데 해당 금액변경버튼(124)을 누르면 거래 금액을 변경할 수 있도록 하였다. 예를 들어 도 13의 실시예에서 킥보드 한 대의 거래 금액(상품 금액)이 50,000원인데 만약 구매자가 두 대를 구매하고자 할 경우, 구매자는 금액변경버튼(124)을 눌러 100,000원 선택하도록 한다. 즉, 금액변경버튼(124)은 금액 확정창에 제공되는 상품 가격을 배수의 금액으로 증가시키기 위한 버튼이다. 도 13의 실시예의 경우, 금액변경버튼(124)을 누르면 100,000원, 150,000원,... 등으로 50,000원 배수만큼 가격이 변동되게 된다. 도 2의 흐름도 상에서 설명하면, 구매자가 ST12 단계에서 금액 확정창을 입력하면, 확정된 금액을 기준으로 이후 단계가 진행된다. 구매자 정보란에는 구매자 이름이 디스플레이되고, 연락처를 기재하도록 하였다. The amount confirmation window 120 is provided as a pop-up window on the display of the purchaser system as a means for providing or displaying the upper menu 121 and fields for inputting product information and buyer information. The upper menu 121 includes a 'joint tag' menu for creating a deposit window, an 'in progress transaction' menu for displaying an active transaction for displaying a product being sold or a product being purchased by the member, and the amount deposited by the buyer. It includes a 'withdrawal management' menu for withdrawing money, and a 'ended transaction' menu for displaying a goods transaction in which the transaction is ended. In the product information field, the 'product amount' corresponding to the data field (data 1) of the deposit window and the 'product name' corresponding to the data field (data 2) are displayed, and the requirements for the buyer to convey to the seller are described. The transaction memo field 123 is provided. Next to the commodity amount is provided with a change amount button 124 is further to change the transaction amount by pressing the corresponding amount change button 124. For example, in the embodiment of FIG. 13, if a transaction amount (commodity amount) of one kickboard is 50,000 won, and a buyer wants to purchase two, the buyer selects 100,000 won by pressing the amount change button 124. That is, the amount change button 124 is a button for increasing the product price provided in the amount confirmation window to the amount of multiples. In the case of the embodiment of Figure 13, if the amount change button 124 is pressed, the price is changed by multiples of 50,000 won, such as 100,000 won, 150,000 won, .... Referring to the flowchart of FIG. 2, when the purchaser enters the amount confirmation window at step ST12, the subsequent step is performed based on the determined amount. The buyer name is displayed in the buyer information field and the contact information is entered.
도 14는 구매자가 거래 결제 제공 시스템의 비회원일 경우 제공되는 금액 확정창(120)의 일 례이다. 구매자가 거래 결제 제공 시스템의 회원인 경우에는 회원 식별자(ID)를 이용하여 구매자를 식별할 수 있지만, 구매자가 거래 결제 제공 시스템의 비회원인 경우에는 전화번호 또는 이메일 등으로 비회원을 식별할 수 있다. 비회원인 경우 거래 내역을 확인하기 위해서 거래 결제 제공 시스템에 접근할 때 전화번호 또는 이메일을 이용하여 로그인할 수 있도록 하였다. 또한 비회원인 경우 비밀번호 입력란과 비밀번호 확인란을 제공함으로써 타인에게 해당 정보가 노출되는 방지할 수 있도록 하였다. 도 13 및 도 14는 하나의 예시 화면에 불과한 것이며, 다양한 변경이 가능함은 물론이다.14 is an example of the amount confirmation window 120 provided when the buyer is a non-member of the transaction settlement providing system. When the buyer is a member of the transaction settlement providing system, the buyer may be identified using a member identifier (ID). However, when the buyer is a non-member of the transaction settlement providing system, the non-member may be identified by a telephone number or an email. Non-members can log in using a phone number or e-mail when accessing the transaction payment system to check transaction details. In addition, non-members provided a password field and a password check box to prevent others from exposing the information. 13 and 14 are only one example screen, and various changes are possible, of course.
금액 확정창(120)에도 구매자 시스템에는 보이지 않는 메타 정보로서 "판매자 식별 ID"가 저장되어 있다. 구매자가 필요한 정보를 모두 입력하면(s10), 금액 확정창에 저장된 메타 정보로 저장된 "판매자 식별 ID"를 이용하여 "상품 정보 DB"에 저장한다(s11). 이후 결제 제공 시스템에서는 "거래 금액" 및 "거래 메모"라는 데이터를 하나의 식별자로 인식하여 새로운 "판매상품코드"를 발행하고, 해당 "판매상품코드"를 이용하여 해당 물품에 대한 결제, 배송 등의 일련의 과정을 추적 관리하게 된다. 금액 확정창(120)에 구매자가 입력하는 "구매자 정보"는 해당 "판매상품코드"를 이용하여 "상품구매정보 DB"에 저장하게 된다. 이후의 결제에 대한 과정(s12, s13, s14)은 통상의 인터넷 상거래 결제 시스템과 유사한 방식으로 진행된다.In the amount confirmation window 120, "seller identification ID" is stored as meta information not shown in the buyer system. When the buyer enters all the necessary information (s10), it is stored in the "product information DB" using the "seller identification ID" stored as meta information stored in the amount confirmation window (s11). Subsequently, the payment providing system recognizes data such as “transaction amount” and “transaction memo” as one identifier and issues a new “sale product code”, and uses the corresponding “sale product code” to pay for and deliver the goods. You will track a series of steps. The "buyer information" entered by the buyer in the amount confirmation window 120 is stored in the "product purchase information DB" using the corresponding "sale product code." Processes for subsequent payment (s12, s13, s14) proceed in a manner similar to a conventional internet commerce payment system.
한편 이미 결제 금액을 입금 완료한 구매자가 도 11에 제시된 입금창(111) 버튼을 다시 클릭한 경우 결제 이후의 진행 상태(예를 들어 배송 상태 등)를 확인할 수 있도록 도 13 및 도 14의 금액 확정창(120)에는 진행 상태 버튼(127)을 추가로 제공하였다. 진행 상태 버튼(127)을 클릭하면 회원인 경우에는 회원 식별자(회원 ID 등)을 입력하도록 하고, 비회원인 경우 결제시 입력한 식별자(이메일 어드레스 또는 주민등록번호 등)을 입력하도록 유도한 후 해당 구매 상품의 결제 이후의 진행상태를 알 수 있도록 하였다.Meanwhile, when the purchaser who has already deposited the payment amount clicks the deposit window 111 button shown in FIG. 11 again, the amount of FIG. 13 and FIG. 14 is confirmed so that the progress after payment (for example, the delivery status) can be checked. The window 120 is further provided with a progress button 127. If you click the progress button 127, if you are a member, you will be asked to enter a member identifier (member ID, etc.), and if you are a non-member, you will be prompted to enter the identifier (email address or social security number, etc.) you entered at checkout. Afterwards it was possible to know the progress.
본 발명은 다양한 변형이 가능하다. 일 례로 여러 가지 물품이 포함된 하나의 이미지를 웹 환경에 디스플레이하고, 각각의 물품이 디스플레이되는 영역을 정의한다. 사용자가 정의된 영역을 마우스로 클릭할 경우, 도 12에 제시된 바와 같은 웹 환경에 노출된 입금창을 소비자가 클릭할 때 실행되는 명령어를 실행되도록 변형할 수 있음은 물론이다. 도 15는 판매하고자 하는 다수 개 물품을 하나의 이미지상에 표현하고 해당 이미지상의 물품을 클릭할 경우 금액 확정창(20-1, 20-2, ..., 20-6)이 표시되는 일 례를 도시한 것이다. 도 15에서는 도 13 및 도 14에 제공되는 금액 확정창을 단순화하여 20-1, 20-2, ..., 20-6의 금액 확정창으로 재 도시한 것이다. 이 경우 이미지가 디스플레이되는 웹 환경의 html에는 도 16과 같은 흐름을 구현할 필요가 있다. 즉, 안경 영역으로 정의된 영역 1을 사용자가 클릭할 경우 해당 안경을 구매하기 위한 금액 확정창(20-1)이 팝업되어 표시되도록 하고, 상의 영역으로 정의된 영역 2를 사용자가 클릭할 경우 해당 상의을 구매하기 위한 금액 확정창(20-2)이 팝업되어 표시되도록 하고, 자동차 영역으로 정의된 영역 3을 사용자가 클릭할 경우 해당 자동차를 구매하기 위한 금액 확정창(20-3)이 팝업되어 표시되도록 하고, 하의 청바지 영역으로 정의된 영역 4을 사용자가 클릭할 경우 해당 청바지를 구매하기 위한 금액 확정창(20-4)이 팝업되어 표시되도록 하고, 가방 영역으로 정의된 영역 5를 사용자가 클릭할 경우 해당 가방을 구매하기 위한 금액 확정창(20-5)이 팝업되어 표시되도록 하고, 신발 영역으로 정의된 영역 6을 사용자가 클릭할 경우 해당 신발을 구매할 수 있는 금액 확정창(20-6)을 팝업으로 제공하는 것이다. 도 15 및 도 16에 제시된 변형된 실시예에 적용할 경우 결제 수단 제공 시스템으로부터 복사 제공되는 입금창은 텍스트 형태로 복사되고, 해당 웹 환경을 방문한 자에게는 디스플레이되지 않으면서 실행되는 명령문으로 저장되어야 한다. 따라서 도 15에 제시된 변형례는 html 언어에 약간의 지식이 있는 사용자만이 사용할 수 있을 것이다.The present invention is capable of various modifications. For example, one image including various items is displayed in a web environment, and an area in which each item is displayed is defined. When the user clicks on the defined area with a mouse, it can be modified to execute a command that is executed when the consumer clicks the deposit window exposed to the web environment as shown in FIG. 12. 15 is an example in which the amount confirmation windows 20-1, 20-2, ..., 20-6 are displayed when a plurality of items to be sold are represented on one image and the items on the image are clicked on. It is shown. In FIG. 15, the amount confirmation window provided in FIGS. 13 and 14 is simplified and re-shown as the amount confirmation windows of 20-1, 20-2, ..., 20-6. In this case, the flow shown in FIG. 16 needs to be implemented in the html of the web environment where the image is displayed. That is, when the user clicks on area 1 defined as the glasses area, the amount confirmation window 20-1 for purchasing the corresponding glasses pops up to be displayed, and when the user clicks on area 2 defined as the upper area, The amount confirmation window 20-2 for purchasing the top is displayed in a pop-up window, and when the user clicks on the area 3 defined as the car area, the amount confirmation window 20-3 for purchasing the car is popped up and displayed. If the user clicks on the area 4 defined as the bottom jeans area, the amount confirmation window 20-4 for purchasing the jeans is popped up and the user clicks on the area 5 defined as the bag area. In this case, the amount confirmation window (20-5) for purchasing the bag is popped up to be displayed. If the user clicks the area 6 defined as the shoe area, the amount to purchase the shoe The determination window 20-6 is provided as a popup. When applied to the modified embodiment shown in Figure 15 and 16, the deposit window provided from the payment means providing system is copied in text form, and should be stored as a statement executed without being displayed to the visitor to the web environment. . Therefore, the modification shown in FIG. 15 may be used only by a user who has some knowledge of the html language.
도 15에 제시된 변형된 실시례는 인터넷망으로 연결된 웹 환경을 이용하여 판매자 시스템과 구매자 시스템 사이에 상품 거래를 함에 있어서 상기 판매자 시스템과 구매자 시스템 사이에서 결제 수단을 제공하는 거래 결제 제공 방법으로서,The modified embodiment shown in FIG. 15 is a transaction payment providing method for providing a payment method between the seller system and the buyer system in performing a product transaction between the seller system and the buyer system using a web environment connected through an internet network.
판매자를 회원으로 가입시키는 제 1단계와, 상기 판매자의 회원 식별자가 메타 정보로 포함된 텍스트 형태의 입금창을 생성하여 상기 구매자 시스템의 클립보드에 제공하는 제 2단계 및 판매자인 회원이 상기 웹 환경에 다수 개의 물품이 포함된 적어도 하나의 이미지를 제공하고, 상기 판매자는 다수 개 물품 영역을 정의하도록 상기 이미지를 몇 개의 영역을 분할하고, 상기 판매자는 분할된 영역을 클릭할 경우 실행되는 상기 입금창을 저장한 후 거래금액을 포함한 구체거래정보 데이터를 추가적으로 입력하고, 상기 구매자가 분할된 영역을 클릭할 경우, 상기 구매자 시스템에게 상기 구체거래정보 데이터를 포함하는 금액 확정창을 제공하는 제 6단계를 구비하는 것을 특징으로 하는 거래 결제 제공 방법으로 설명될 수 있다.A first step of registering a seller as a member, a second step of generating a deposit window in a text form including meta information of the seller's member identifier, and providing it to a clipboard of the buyer system; At least one image containing a plurality of items in the image, wherein the seller divides the image into several regions to define a plurality of article regions, and the merchant executes when the seller clicks on the divided regions. Storing the transaction data and additionally inputting specific transaction information data including a transaction amount, and when the buyer clicks the divided region, providing a purchase price confirmation window including the specific transaction information data to the buyer system; It may be described as a transaction payment providing method characterized in that provided.
본 발명은 다양한 분야에 적용 가능하다. 일 례로 전자책의 미리 보기에도 적용할 수 있다. 아마존 닷 컴(amazon.com) 등에서는 해당 사이트를 방문한 자에게 일부 책의 경우 미리 보기 서비스를 제공하고 있다. 미리 보기 서비스란 책을 구매하기에 앞서 구매 예정자에게 해당 책의 일부 페이지를 무료로 볼 수 있도록 제공하는 것이다. 그런데 이러한 미리 보기 서비스는 아마존 닷 컴 사이트를 방문한 유저에게만 제공하고 있다. 이러한 미리 보기 서비스를 해당 사이트를 방문한 자에게만 제한하는 이유는 여러 가지가 있을 것이나 그 중 가장 중요한 문제는 결제 처리가 원할하지 못하기 때문이다.The present invention is applicable to various fields. For example, it can be applied to the preview of an e-book. Amazon.com and others provide previews for some books to visitors. The preview service is to provide prospective buyers with free access to some pages of the book before purchasing it. However, this preview service is provided only to users who visited the Amazon dot com site. There are many reasons to limit this preview service to only those who have visited the site, but the most important issue is that payment processing is not desired.
도 17은 본 발명의 입금창을 서적의 미리 보기 기능에 적용한 일 례를 도시한 것이다. 도 17(a)에 도시한 바와 같이 사용자가 자신의 블로그 등의 웹 환경에 앨리스 이야기란 책을 감명 깊게 읽었다는 독서평을 제시하고, 해당 서적의 미리보기 아이콘(130)을 붙여넣는다. 미리보기 아이콘(130)은 사용자가 해당 아이콘을 클릭할 경우 해당 서적의 일부 페이지를 미리 보여 주고, 규정된 페이지 수를 넘어서 보기를 요청할 경우 결제 수단을 제공하는 아이콘이다.17 illustrates an example in which the deposit window of the present invention is applied to a preview function of a book. As shown in FIG. 17 (a), the user presents a reading comment that the user read an Alice story deeply in a web environment such as his blog, and pastes the preview icon 130 of the book. The preview icon 130 is an icon which shows some pages of the book in advance when the user clicks the icon, and provides a payment method when the user requests a view beyond the prescribed number of pages.
웹 환경을 방문한 제 3의 사용자가 해당 미리보기 아이콘(130)을 클릭하면, 도 17(b) 및 도 17(c)에 도시한 바와 같이 일정한 쪽 수를 미리 볼 수 있도록 미리보기 서비스를 제공한다. 제 3 사용자가 규정된 페이지(도 17에서는 10페이지)를 모두 보고 다음 페이지를 보고자 할 경우, 도 17(d)에 제시한 바와 같이 본 발명에 따른 입금창(110)을 제시한다. 물론 도 17(d)에 제공된 입금창에는 웹 환경의 소유자에 의해 붙여넣기 한 후, 해당 입금창의 html 언어를 "http://www.eummoney.com/mc/index.jsp?mc_id=회원식별ID /1,800/앨리스 이야기"로 수정하여야 한다.When a third user who visits the web environment clicks the preview icon 130, a preview service is provided so that a predetermined number of pages can be previewed as shown in FIGS. 17 (b) and 17 (c). . If the third user wants to see all the prescribed pages (page 10 in FIG. 17) and the next page, the deposit window 110 according to the present invention is presented as shown in FIG. 17 (d). Of course, the deposit window provided in FIG. 17 (d) is pasted by the owner of the web environment, and then the html language of the deposit window is "http://www.eummoney.com/mc/index.jsp?mc_id=Member ID". / 1,800 / Alice's Story ".
상기에서 본 발명의 특정한 실시예가 설명 및 도시되었지만, 본 발명의 기술적 사상을 벗어나지 않는 범위 내에서 당업자에 의하여 다양하게 변형되어 실시될 가능성이 있는 것은 자명한 일이다. 이와 같이 변형된 실시예들은 본 발명의 사상 및 범위로부터 개별적으로 이해되어져서는 안되며, 본 발명에 첨부된 청구범위 안에 속한다고 해야 할 것이다. 예를 들어 본 발명에서 데이터 베이스라는 명칭을 사용하였으나 시스템에 따라서는 데이터 베이스가 아닌 테이블 형식 등으로 적용될 수 있음은 물론이다.Although specific embodiments of the present invention have been described and illustrated above, it will be apparent that various modifications may be made by those skilled in the art without departing from the technical spirit of the present invention. Such modified embodiments should not be understood individually from the spirit and scope of the present invention, but should fall within the claims appended to the present invention. For example, although the name "database" is used in the present invention, it may be applied in a table form, etc., depending on the system.

Claims (16)

  1. 인터넷망으로 연결된 웹 환경을 이용하여 판매자 시스템과 구매자 시스템 사이에 상품 거래를 함에 있어서 상기 판매자 시스템과 구매자 시스템 사이에서 결제 수단을 제공하는 거래 결제 제공 시스템으로서,A transaction payment providing system that provides a payment method between a seller system and a buyer system in performing a product transaction between a seller system and a buyer system using a web environment connected through an internet network.
    회원 식별자가 메타 정보로 포함된 입금창을 생성하여 상기 판매자 시스템에 제공하고, 상기 판매자 시스템이 상기 입금창을 웹 환경에 저장하고, 상기 입금창을 통하여 거래금액을 포함하는 구체거래정보 데이터를 추가로 입력받으며, 상기 입금창이 클릭되는 경우, 구체거래정보 데이터 및 판매자의 회원 식별자가 전송되어 구매자 시스템에 상기 구체거래정보 데이터가 디스플레이되는 금액 확정창을 제공하는 것을 특징으로 하는 거래 결제 제공 시스템.Generate and provide a deposit window containing the member identifier as meta information to the seller system, the seller system stores the deposit window in a web environment, and adds specific transaction information data including a transaction amount through the deposit window. And inputting the payment window, the specific transaction information data and the member identifier of the seller are transmitted to provide a price confirmation window in which the specific transaction information data is displayed to a buyer system.
  2. 제 1항에 있어서,The method of claim 1,
    상기 구매자 시스템에 제공되는 금액 확정창에서 상품 금액을 변경할 수 있는 금액변경버튼을 더 제공하는 것을 특징으로 하는 거래 결제 제공 시스템.Transaction payment providing system, characterized in that further providing an amount change button for changing the product amount in the amount confirmation window provided to the buyer system.
  3. 제 1항에 있어서,The method of claim 1,
    거래 결제 제공 시스템은 상기 입금창을 상기 판매자 시스템의 클립보드에 복사 제공하는 것을 특징으로 하는 거래 결제 제공 시스템.The transaction payment providing system is a transaction payment providing system, characterized in that for providing a copy of the deposit window to the clipboard of the seller system.
  4. 제 1항에 있어서,The method of claim 1,
    상기 구체거래정보 데이터는 필드 구분자와 상기 구분자 사이에 입력되는 데이터로 이루어지는 것을 특징으로 하는 거래 결제 제공 시스템.The specific transaction information data is a transaction settlement providing system, characterized in that consisting of data input between the field separator and the separator.
  5. 제 2항에 있어서,The method of claim 2,
    상기 입금창이 이미지 형태로 제공되는 경우, 상기 이미지가 있는 영역이 선택된 후 이를 판매자 시스템의 클립보드로 복사된 후 붙여넣기를 통해 웹 환경에 노출되는 것을 것을 특징으로 하는 거래 결제 제공 시스템.When the deposit window is provided in the form of an image, the transaction settlement providing system, characterized in that the area in which the image is selected and then copied to the clipboard of the seller system and then exposed to the web environment by pasting.
  6. 제 1항에 있어서,The method of claim 1,
    상기 입금창은 회원 가입을 한 판매자가 판매하는 물품의 종류에 무관하게 판매자당 한 개만 발행되도록 하는 것을 특징으로 하는 거래 결제 제공 시스템.The payment window is a transaction payment providing system, characterized in that only one is issued per seller, regardless of the type of goods sold by the seller to the membership.
  7. 제 1항에 있어서,The method of claim 1,
    직접 결제 금액을 입력하도록 하는 필드를 포함하는 금액 확정창에는 href 명령어가 메타 정보로 포함되는 것을 특징으로 하는 거래 결제 제공 시스템.The amount confirmation window including a field for inputting a payment amount directly includes a href command as meta information.
  8. 제 1항에 있어서,The method of claim 1,
    직접 결제 금액을 입력하도록 하는 필드를 포함하는 금액 확정창에는 링크되어서 실행될 실행문이 놓여지는 주소와 해당 실행문을 실행할 때 사용되는 변수로서 판매자 식별번호가 메타 정보로 저장되는 것을 특징으로 하는 거래 결제 제공 시스템.In the amount confirmation window including a field for inputting a payment amount directly, a transaction payment characterized in that the address where an execution statement is executed to be linked and the execution statement is executed and the seller identification number is stored as meta information as a variable used when executing the execution statement. Provide system.
  9. 인터넷망으로 연결된 웹 환경을 이용하여 판매자 시스템과 구매자 시스템 사이에 상품 거래를 함에 있어서 상기 판매자 시스템과 구매자 시스템 사이에서 결제 수단을 제공하는 거래 결제 제공 방법으로서,A transaction payment providing method for providing a payment method between a seller system and a buyer system in trading goods between a seller system and a buyer system using a web environment connected through an internet network,
    회원마다 고유한 회원 식별자를 포함하는 입금창을 생성하여 제공하는 제 1단계; 및 A first step of generating and providing a deposit window including a unique member identifier for each member; And
    상기 입금창이 복사되어 웹 환경에 노출되는 제2단계;A second step in which the deposit window is copied and exposed to a web environment;
    상기 입금창을 통하여 거래금액을 포함한 구체거래정보 데이터가 추가적으로 입력되며, 노출된 상기 입금창이 클릭될 경우, 상기 구매자 시스템에게 상기 구체거래정보 데이터를 포함하는 금액 확정창을 제공하는 제 3단계A third step of additionally inputting specific transaction information data including a transaction amount through the deposit window, and providing the amount confirmation window including the specific transaction information data to the buyer system when the exposed deposit window is clicked;
    를 구비하는 것을 특징으로 하는 거래 결제 제공 방법.Transaction payment providing method comprising the.
  10. 제 9항에 있어서,The method of claim 9,
    상기 제 1단계에서 상기 판매자 시스템에 제공되는 상기 입금창은 적어도 이미지 형태, HTML 형태 및 URL 형태로 제공되는 것을 특징으로 하는 거래 결제 제공 방법.The payment window provided to the seller system in the first step is provided with at least an image form, HTML form and URL form transaction payment providing method.
  11. 제 10항에 있어서,The method of claim 10,
    상기 입금창이 이미지 형태로 제공되는 경우 상기 제 1단계는When the deposit window is provided in the form of an image, the first step
    이미지 영역을 설정하는 제 1-1단계;A first step of setting an image area;
    상기 설정된 영역을 선택하는 제 1-2단계; 및Selecting the set area in steps 1-2; And
    상기 선택된 영역을 상기 판매자 시스템의 클립보드에 복사하는 제 1-3단계를 포함하는 것을 특징으로 하는 거래 결제 제공 방법.And translating the selected area to a clipboard of the seller system.
  12. 제 9항에 있어서,The method of claim 9,
    상기 제 2단계에서 제공되는 입금창은 판매자가 판매하는 물품의 종류에 무관하게 판매자당 한 개만 발행되도록 하는 것을 특징으로 하는 거래 결제 제공 방법.The payment window provided in the second step is a transaction payment providing method characterized in that only one is issued per seller, regardless of the type of goods sold by the seller.
  13. 제 9항에 있어서,The method of claim 9,
    상기 제 3단계에서 제공되는 금액 확정창에는 href 명령문이 메타 정보로 포함하는 것을 특징으로 하는 거래 결제 제공 방법.The amount confirmation window provided in the third step includes a href statement as meta information.
  14. 제 9항에 있어서,The method of claim 9,
    상기 제 3단계에서 제공되는 금액 확정창에는 링크되어서 실행될 실행문이 놓여지는 주소와 해당 실행문을 실행할 때 사용되는 변수로서 판매자 식별번호를 메타 정보로 포함하는 것을 특징으로 하는 거래 결제 제공 방법.The amount confirmation window provided in the third step is a transaction payment providing method characterized in that it includes the address where the execution statement to be linked to be executed and the variable used to execute the execution statement as a meta information.
  15. 제 9항에 있어서,The method of claim 9,
    구매자 시스템로부터 금액 확정창을 입력받는 제 4단계; 및 A fourth step of receiving an amount confirmation window from the buyer system; And
    상기 제 4단계 이후에 판매자가 판매하고자 하는 또는 판매한 상품 정보를 저장하는 제 5단계를 더 구비하는 것을 특징으로 하는 거래 결제 제공 방법.And further comprising a fifth step of storing product information to be sold or sold by the seller after the fourth step.
  16. 인터넷망으로 연결된 웹 환경을 이용하여 판매자 시스템과 구매자 시스템 사이에 상품 거래를 함에 있어서 상기 판매자 시스템과 구매자 시스템 사이에서 결제 수단을 제공하는 거래 결제 제공 방법으로서,A transaction payment providing method for providing a payment method between a seller system and a buyer system in trading goods between a seller system and a buyer system using a web environment connected through an internet network,
    회원마다 고유한 회원 식별자를 포함하는 입금창을 생성하여 제공하는 제 1단계; 및 A first step of generating and providing a deposit window including a unique member identifier for each member; And
    상기 입금창이 복사되어 웹 환경에 노출되는 제2단계;A second step in which the deposit window is copied and exposed to a web environment;
    판매자의 다수 개의 물품에 대응되는 다수의 이미지 영역이 분할되어 생성되는 제3단계; A third step of dividing and generating a plurality of image areas corresponding to a plurality of items of a seller;
    상기 분할된 영역이 판매자 시스템에서 클릭될 경우 실행되는 상기 입금창를 통하여 거래금액을 포함한 구체거래정보 데이터를 추가적으로 입력받는 제4단계;A fourth step of additionally inputting specific transaction information data including a transaction amount through the deposit window that is executed when the divided area is clicked in the seller system;
    상기 분할된 영역이 구매자 시스템에서 클릭될 경우, 상기 구매자 시스템에게 상기 구체거래정보 데이터를 포함하는 금액 확정창을 제공하는 제 5단계를 구비하는 것을 특징으로 하는 거래 결제 제공 방법.And when the divided area is clicked in a buyer system, providing a purchase price confirmation window including the specific transaction information data to the buyer system.
PCT/KR2010/005204 2009-11-30 2010-08-09 System and method for providing payment using a transaction amount input window WO2011065649A1 (en)

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