KR100798278B1 - Money proxy collection method by third person and system of the same - Google Patents

Abstract

A method of proxy payment by a third party, and a system thereof are provided to minimize time and cost needed for a withdrawal work, and to prevent fundamentally a non-sent problem of purchasing products by entrusting the withdrawal and delivery works. A connect certification procedure(110) is executed to connect a payment server(60) with a client terminal device and a proxy terminal device. A payment entrust procedure(210) is executed to entrust the proxy payment to a synthetic payment information server. A proxy payment certification procedure(311) is executed by connecting the client terminal with the payment server. A payment performance information providing procedure(320) is executed, if a payment performance information is inputted through the client terminal. A payment performance information transmission procedure(330) is executed to transmit the payment performance information to the payment server. A payment certification request procedure(411) is executed to request the payment certification to a payment certification organization server(80). A payment certification procedure(421) is executed to send the payment money to the client.

Description

Money proxy collection method by third person and system of the same}

The present invention relates to a third party payment method and system, and more particularly, in the payment method, a requester having a billing right, such as a seller of a product, does not directly contact a payer with a payment obligation, such as a buyer of a product. Instead, a third party agent, who is acted by the client, makes payments in the face of the payer, so that the work efficiency can be improved by entrusting the payment service.

Another object of the present invention is to allow the billing agent to increase the speed in payment by allowing the agent to deliver the goods together with the payment agent.

In general, most payments in commerce are performed by the seller of the goods in direct contact with the buyer of the goods, such as collection, and the payment method is paid by the buyer who visits the seller's place of business to purchase the goods. It consists of on-site payment, which makes a payment, and a visit payment that a seller visits and collects by a buyer, and a designated date payment, in which a buyer makes a payment on a specific date after the purchase of the goods for a certain period of time.

  On the other hand, the on-line payment, the on-site payment and the payment method of the designated date as described above, the offline payment method that directly provides a monetary means such as cash, the electronic payment method such as payment through bank transfer and wired or wireless communication network, etc. There is this.

The settlement of commerce as described above is made only through direct connection between seller and buyer in order to ensure the reliability of payment, prevention and safety of payment. The intervention of the child is impossible.

In addition, recently, in the case of an electronic commerce that allows the purchase and payment of goods through the Internet, the payment is made by electronic payment such as account transfer using the Internet and payment through a credit card.

In order to secure the reliability and safety of payment in the non-face-to-face payment of the e-commerce as described above, when the buyer confirms receipt of the goods at the time of payment, the buyer confirms the receipt of the goods and the payment is completed and the payment is made to the seller. The payment is made to ensure the reliability of payment through a method called escrow.

 However, the existing payment method and system as described above are made through a direct contact between the seller having a billing claim and the payer with a payment obligation because the third party cannot be involved in order to increase the reliability and safety of the commerce. Since it is necessary to manage the payment business such as collection, as well as the sale of goods, it takes a lot of time, the concentration of work is inferior, and if you want to collect money from a long-distance buyer, you have to visit them one by one. There is a problem that the cost is generated for the profit is deducted, and there is a problem that is unsuitable for general commerce that outsourcing part or all of the work according to the diversification of work.

In the case of payment using a wired or wireless payment terminal of the existing seller, only the payment of the seller who sells the product can be processed, and the range of payment is limited. Because of the large amount of purchase cost and communication cost to be carried by the collector, there is a problem inherent in the risk of unauthorized payment by another person when the payment terminal is lost.

In addition, the escrow in the electronic commerce also has a problem that the seller is delayed payment of the cost if the collection of the sales price is not carried out after the delivery is completed, such as notification of the completion of delivery of the buyer.

Accordingly, the present invention has a problem that the outsourcing of the payment service in the payment method and the system as described above is impossible and the time and cost required for the collection of money for collection of sales payouts decreases the efficiency and speed of payment. It is to be solved.

That is, according to the present invention, in the settlement method, a client having a billing claim through a commerce as a seller of goods does not directly contact a payer with payment obligations such as a buyer of goods, but through a third party agent who is represented by the client. It is to be able to collect the payment from the.

And, the agent is to make the goods delivery together with the payment agent.

Therefore, the present invention is to minimize the time and cost of the work efficiency and collection work through the consignment of the collection work by allowing the collection of payments through the third party agent rather than the seller in the payment.

In addition, by allowing the agent to deliver the goods together, the payer who is the buyer of the product can also reduce the insecurity about the undelivered fraud damage of the undelivered goods, which is a problem of prepayment in the payment.

Hereinafter, described in detail by the accompanying drawings as follows.

Prior to the description of the invention, the terms or words used in this specification and claims should not be construed as limiting in their usual or dictionary meanings, and the inventors should use the concept of terms to best explain their invention in the best possible way. Based on the principle that can be properly defined should be interpreted as meanings and concepts in accordance with the technical spirit of the present invention.

Therefore, the embodiments described in the specification and the drawings shown in the drawings are only the most preferred embodiment of the present invention and do not represent all of the technical idea of the present invention, which can be replaced at the time of the present application It should be understood that there may be various equivalents and variations.

The present invention is to entrust the third party to the collection work for the collection of payment in the commerce to increase the work efficiency and minimize the time and cost of the collection.

That is, according to the present invention, as shown in FIG. 2, the client terminal 51 of the client having the billing request according to the commerce, and the agent who contacts the payer 21 in response to the request of the client 10 to perform the settlement ( An authentication process (110) for access in which agent terminals (52) of 30 perform an authentication process for access to a payment server (60);

A billing agent request process 210 for requesting a billing agent by the client 10 to provide a billing server with comprehensive billing information for a billing agency billing request;

The agent 30 is connected to the payment server 60 through the agent terminal 52 to receive the main payment information for the payment agent and payment agent authentication process 311 to authenticate the agent;

Through the payment agent authentication process 311, the agent 30 receives the agent, the payment agent 21 visits the agent terminal 52 for the payment request process 312, which the agent 30 visits to present the billing request and requests the performance payment information. A transition payment information providing process for executing the settlement by inputting the transition payment information in step 320);

The agent 30 transfers the transfer payment information to the payment server 60 by connecting the payment server 60 to the payment terminal 60 through the agent terminal 52 and the transfer payment information providing process 320. 330;

The payment server 60 connects with the payment approval authority server 80 to provide the payment approval authority server 80 with the performance payment information provided through the performance payment information transmission process 330 and requests payment approval. Process 411;

In accordance with the payment approval request process 411, the payment approval institution server 80 verifies this according to the provided performance payment information, approves the payment, provides payment approval information, and transfers the payment amount to the client according to the payment approval. It is made of a payment approval process 421 to perform the remittance process (422).

The authentication process 110 for the connection includes; Clients who are sellers of commerce products and agents who perform payments at the request of a client provide key information such as name or trade name, business registration number or social security number, address, contact information, terminal information and financial information to the payment server. Access authentication is performed through a process of receiving a connection ID through the authentication process, and the authentication can be performed through a public certificate issued through an accredited certification authority to increase security.

The payment agency request process 210; Client provides comprehensive payment information such as payment target, transaction details, payment amount, payment method, transaction confirmation type, address and contact information to the payment server according to the billing claim obtained from the payer who is the commerce party through commerce. It is a process of doing.

 The payment agent authentication process 311 is; The authorized agent 30 through the authentication process 110 for access is authenticated as the corresponding agent set up by accessing the settlement server through the agent terminal 52 and receives the main payment information.

Here, the main payment information provided from the payment server 60 to the agent terminal 52 may be configured only with an access password transmitted to the payment server 60 according to the comprehensive payment information of the payer, or the load of the payment server may be minimized. Only essential payment information such as transaction number, address of payer and payment amount can be carried out.

In addition, the agent terminal 52 is connected to the payment server 60 in receiving the agent authentication and the main payment information, the agent 30 is a plurality of agents in the agent terminal 52 as shown in FIG. Regarding the billing bill for the biller for the same biller 21 or the biller located in the same region where the agent designated the activity area among the total billing information requested from the client 10 to the billing server 60, Multiple agents can be authenticated and multiple key payment information can be received.

The transition payment information providing process 320; The agent 30 facing the payer 21 checks the billing rights provided by the client through the agent terminal and inputs the performance payment information to the agent terminal 52 through a payment method such as a credit card. Payment by is fulfilled.

The transition payment information transmission process (330); The agent terminal 52 connects to the settlement server 60 and transmits the settlement payment information such as the credit card information and the signature entered in the fulfillment payment information providing process 320, and the transfer in this process. Payment information is encrypted and transmitted to increase security.

Here, as shown in FIG. 4, the payer 21 may partially settle the payment amount of the billing claim billed by the client 10 through the plurality of split payers 22, which is represented by an agent. A divisional payment authorization process 610 in which the paymentor 21 receives the partial payment from the client 10 before or during the visit; According to the payment settlement process (610), one or more payment customers (22) to pay the billing bills are divided into the payment account (60), the agreement for the amount to be billed and the payment bill, such as address and contact A divisional payment agreement authentication process 620 for providing information and an agent in an area in which one or more split payment companies 22 are located in accordance with the divisional payment agreement authentication process 620 contact and split the payment account 22. It is made of a split payment request process (630) requesting a payment, so that the split biller 22 is to perform the transfer payment information transmission process 330 in the same manner as the billers (21).

The payment approval request process 411 is; The payment server determines whether the payment amount is the same as the payment amount of the transaction details registered at the time of the request by the client according to the settlement payment information of the payer sent from the agent terminal, compares with the payment approval institution server 80, and requests the payment approval. The payment server 60 performs the payment approval, and the payment server 60 transmits the payment approval information obtained according to the payment approval of the payment approval institution server 80 to the agent terminal. 21) to confirm this, and to provide the documentary with documentary evidence such as a card slip or receipt according to the payment.

Meanwhile, the payment approval request process 411 by the payment server 60 may be performed by directly accessing the payment server to the payment approval institution server 80 as described above, or as shown in FIG. 5. (70) as a payment approval request process 412 to request payment approval to the payment agency 70 to make a payment by accessing the payment approval institution server 80 through the VAN, payment agency According to the payment approval request process 412 of the payment server 60, the payment 70 performs a payment approval request process 411 to the payment approval institution server 80, and the payment approval process of the payment approval institution server 80 ( According to 421, the payment approval notification process 413 for providing payment approval information according to the payment approval to the payment server 60 is performed. The payment agency 70 is a VAN that the payment server 60 receives the approval authority. What can be configured and carried out in a number of ways .

In the payment approval process 421, the payment approval institution server 80 verifies the payment according to the performance payment information provided according to the payment approval request process 411 of the payment server 60, and approves the payment. The payment amount remittance process 422 is performed to provide payment approval information and remit payment amount to the client according to the payment approval. The payment amount remittance according to the payment amount remittance process 422 is performed according to the payment approval authority and the payment method. Remittance is done immediately or with a certain period of time

Hereinafter, as another embodiment of the present invention as shown in Figure 6, the agent 30 can be carried out to perform the delivery together, the client 10 pays the delivery information provided when purchasing the goods of the payer (21) It is provided as a payment server 60 to the agency request process 210, the payment server 60 is to provide the delivery information through the payment agent authentication process 311 to the terminal of the agent.

Here, the agent configures a plurality of agents 30 including the delivery in the payment agent request process 210 as shown in Figure 7 so as to smoothly and quickly linked delivery, the agent 30 of Designation is a process that the payment server 60 automatically designates according to the position of the payer 21 and the agent 30 provided in the payment agent request process 210 by the client 10, and manual by the client 10 It can be carried out to designate through the designation process to prevent mis-delivery due to the negligence of the agent 30 and to indicate and manage the optimized product delivery path.

 Meanwhile, as the agent 30 performs the delivery together, as shown in FIG. 8, the goods receiver 40 and the actual payer 23 according to the purchase of the goods of the payer 21 are different from each other. Payment payment separation order process 710 that allows the payer 21 to separate the goods receiver 40 according to the goods delivery to the client 10 and the actual payer 23 according to the billing bill, and the payment settlement separation order In accordance with the process 710, the client 10 provides the payment information to the payment server 60 and the comprehensive payment information according to the actual payment (23) commissioning process (210) and payment agency authentication process (311) Through the agents 30 are in contact with the goods receiver 40 and the actual payer 23 to perform the product delivery process 313 and payment request process 312 respectively.

In addition, as described above, when a plurality of products are purchased in the agent 30, the product receiver 40 may be configured by one or more persons.

In addition, the agency fee of the agent 30 may be carried out the agent cost payment process (510) in which the payment server 60 divides and pays the agency fee according to the role of the agent at the time of deposit the payment amount As such, when the agent 30 is composed of a plurality of linked delivery and payment agent 30 is distributed and paid according to the information of the linked agent stored in the payment server 60.

Hereinafter, the payment system according to the present invention will be described.

As shown in FIG. 9, the client 10 transmits and receives comprehensive transaction information for the client 10 to perform a task for the payment agent request, and the payer 21 according to the provided payment agent information. Transfer the main payment information to the agent terminal 52 in accordance with the agent terminal 52 for transmitting and receiving information for payment execution, and the comprehensive payment information provided from the authentication and requesting terminal 51 for the connection of each terminal, the agent The payment server 60 is configured to perform a payment process by accessing the payment approval institution server 80 according to the performance payment information input of the terminal 52.

Here, the payment server 60 is a request from the communication connection control unit 61 and the agent 30 for wired / wireless transmission and reception with the client terminal 51 and the agent terminal 52 as shown in FIG. It consists of a payment approval control unit 62 for controlling the payment, a data unit for storing the requestor, the payer, and the payment information, and the main control unit 64 for controlling the operation of each configuration.

The data unit includes a client data unit 63a in which information of the client 10 is stored, a payer data unit 63b in which the information of the payer is stored, and a comprehensive payment information data unit in which transaction information according to the purchaser's product is stored. (63c) and the settlement approval target data portion 63d, which stores information on the settlement approval target to be connected according to the settlement type,

The data structure of the client data unit 63a and the payer data unit 63b is composed of information such as a connection ID, a password name or a trade name, a resident registration number or a business registration number, an address, a contact number, a product purchase history, a delivery history, and the like. You can do this by adding or deleting items.

The payment approval target data unit 63d includes a bank and a card company that the payment server 60 accesses according to the payment selection of the payer 21 when the payment server 60 is directly connected to the payment approval institution server 80. When 60 is connected through the VAN payment agent 70, the information of the plurality of payment agency 70 VAN is additionally configured.

On the other hand, in the practice of the present invention can be implemented by having a shipping information data unit 63e for storing the delivery information provided from the requester in the data unit of the payment server 60 so that the agent 30 can also perform both delivery and delivery. As such, the delivery information data unit 63e may set the designation or exclusion of the cooperative delivery target agent according to the remote delivery according to the designation of the client 10, and the payment means during the settlement process by the last agent 30. It is possible to specify the type of transaction evidence and the like, so that the client can reflect various conditions of the transaction through the agent without directly delivering or facing the payer (21).

In addition, the above-described delivery information data unit 63e may be modified or not traded at all before the process is executed by the agent 30 at least by the control of the main controller 64 under the control of the client 10. It can be canceled by itself so that the client 10 can manage the agent 30 in real time.

In addition, the billing information data unit (63f) is stored in the data portion of the payment server 60 in the payment approval institution server 80, the payment information and the payment of the agent according to the payment and delivery agency The agency cost data portion 63g in which the related data is stored can be further configured and implemented.

Hereinafter, in the implementation of the present invention, when the agent describes the billing settlement process through performing the billing request of the client as follows.

The client 10 having a billing right for the payer 21 who is a buyer according to a commerce, such as a merchandise sale, sends the billing server 60 through the billing agency request process 210 for the request for the billing of the billing bill. To provide.

And, through the authentication process for the connection 110, the authenticated agent 30 is connected to the agent terminal 52 through the payment agent authentication process 311 with the payment server 60, the main payment information for the payment agent Receiving and verifying the appropriate agency authorization, and conducts a payment request process (312) requesting payment according to the billing bill on behalf of the payer 21 by visiting the payer 21 in accordance with the provided main payment information. A through the transition payment information providing process 320 for inputting the transition payment information to the agent terminal 52 receives the transition payment information from the payer 21, and transfers the transition payment information received from the transition payment information (330) Through the payment server 60 to transmit.

As described above, the payment server 60 receiving the performance payment information from the agent terminal 52 requests the payment approval according to the performance payment information provided by accessing the payment approval institution server 80 through the payment approval request process 411. In addition, the payment approval institution server 80, which has been requested to approve payment through the payment approval request process 411, approves the payment after verifying the provided performance payment information, and approves payment of the payment amount remittance process of remitting the payment amount. By performing process 421, the collection agency process is completed.

In the process as described above, the client 10 and the agent 30 have completed the authentication process for the connection with the payment server 60 through the authentication process 110 for access, if the payer is located outside the country In addition, it is possible to collect the payment amount according to the claim of the billing bill through the agency where the payer is located, and it is possible to process payment tasks such as collection by outsourcing.

Hereinafter, the agent 30 according to another embodiment of the present invention describes the product delivery and payment process according to the request for the product delivery and billing claims of the client 10 as follows.

The requestor having the billing right according to the sale of the product provides the billing server 60 with the billing request for the billing request and the comprehensive billing information and delivery information for the product delivery through the billing agency request process 210.

At this time, the transmission of the comprehensive payment information and the delivery information from the client terminal 51 to the payment server 60 is transmitted through the storage and extraction process by the normal database program according to the purchaser 21. .

And, through the authentication process for the connection 110, the authenticated agent 30 is connected to the agent terminal 52 through the payment agent authentication process 311 with the payment server 60, the main payment information for the payment agent Receives the delivery information and authenticates the appropriate agent or not, and the associated agent 30 also checks and manages the delivery route through the linked delivery authentication through the connection with the payment server 60, It cannot be denied that they participated in linked deliveries, and the responsibility between agents is to be clear.

And, through the authentication process for the connection 110, the authenticated agent 30 is connected to the agent terminal 52 through the payment agent authentication process 311 with the payment server 60, the main payment information for the payment agent Receiving and verifying the appropriate agency authorization, and conducts a payment request process (312) requesting payment according to the billing bill on behalf of the payer 21 by visiting the payer 21 in accordance with the provided main payment information. A through the transition payment information providing process 320 to enter the transition payment information to the agent terminal 52 receives the transition payment information from the payer 21, and transfers the transition payment information received from the payment information (330) Through the payment server 60 to transmit.

The agent 30, which has been certified as above, visits the payer in accordance with the main payment information, delivers the goods to the payer through the process of providing payment information, checks the goods, and requests a payment according to the billing bill. Through the process 312, the payer 21 receives the performance payment information from the payer 21 through the performance payment information providing process 320 for inputting the performance payment information to the agent terminal 52, the received Transitional payment information is transmitted to the payment server 60 through the transitional payment information transmission process (330). On the other hand, when the goods receiver 40 and the payer 21 that received the goods are not the same, the different agents 30 by providing the information to the agent 30 through the input in the client's product purchase process. Will be able to perform the goods delivery process (313) and settlement agent.

The payment server 60 receiving the performance payment information from the agent terminal 52 connects with the payment approval institution server 80 through the payment approval request process 411 and requests payment approval according to the performance payment information provided. The payment approval institution server 80, which has received the payment approval request through the payment approval request process 411, verifies the performance payment information provided, approves the payment, and transmits the payment amount. By performing 421), the delivery and settlement agency procedure according to the delivery and settlement agency request of the client 10 is completed.

In addition, the agent commission of the agents 30 that delivered the goods is the distribution of expenses according to the work of the agents 30 through the agent cost payment process 510 of the payment server 60.

 In addition, payment approval by the payment server 60 in the collection and payment of goods through the agent 30 can be performed through a direct connection through the payment approval authority server 80, but the payment agency 70 The payment approval request can be fulfilled through the VAN, and the payment agency 70 configures a plurality of VANs to settle the payment path to the contracted VAN designated by the client 10 in the comprehensive payment information registered in the payment server 60. You can choose to fulfill your payment.

On the other hand, in the above description, if the comprehensive payment information and the transition payment information is specified by way of example, it can be configured and implemented as follows.

The comprehensive payment information is a comprehensive information input during the request process, the client information and transaction number, the client requested the billing request to the payment server, the name and name of the transaction party and the actual payment, the actual delivery address, business registration number / residents It can be implemented by consisting of a number, address, contact information, financial information, a billed party (VAN), and transaction information (transaction history, payment amount, payment type condition, installment condition, etc.).

The performance payment information is information provided from the payer during the payment approval process, and consists of a transaction number as an index for identifying an individual transaction given at the time of inputting the comprehensive payment information, the payment means information, the transaction information, and the agent terminal ID of the payer. It can be done.

Accordingly, the present invention is to minimize the efficiency of the work, collection time and costs through the consignment of the collection work by allowing the collection of the payment price through a third party agent rather than the seller in the payment.

In addition, by allowing the agent to deliver the goods together, the payer, who is also the buyer of the product, may facilitate the purchase by reducing vague anxiety about the damage of the undelivered fraud of the purchased goods, which is a problem of prepayment in the payment.

1 is an illustration of a conventional electronic payment process.

2 is an exemplary embodiment of the collection payment settlement process according to the present invention.

3 is another embodiment according to the present invention

Example of payment process according to multiple clients.

4 is another embodiment according to the present invention

Illustrative illustration of the payment process by the payer by the third payer.

5 is another embodiment according to the present invention

Example of the payment process through a payment agency (VAN).

6 is an exemplary view illustrating a payment settlement process for shipping according to another embodiment of the present invention.

7 is another embodiment according to the present invention

Example of the payment process according to the agent's linked delivery payment.

8 is another embodiment according to the present invention

An illustration of the payment process when the recipient of the goods and the actual payment are different.

9 is an illustration of a payment system according to the present invention.

10 is an exemplary view of the main configuration of a payment server according to the present invention.

<Description of the symbols for the main parts of the drawings>

10: Client

21: payer 22: split biller 23: real biller

30: agent 40: recipient of the goods

51: client terminal 52: agent terminal

60: payment server

61: communication connection control unit 62: payment approval control unit

63a: Client Data Section 63b: Biller Data Section

63c: Comprehensive Payment Information Data Part 63d: Payment Approval Data Part

63e: Shipping information data section 63f: Payment information data section

63g: agency cost data department

64: main control unit

70: payment agency 80: payment approval agency server

110: authentication process for access 210: payment agency request process

311: Acquisition process 312: Payment request process 313: Product delivery process

320: Process for providing payment information

330: transfer of payment information

411: Payment approval request process 412: Payment approval request process

413: Payment approval notification process

421: Payment approval process 422: Payment amount remittance process

510: Agent fee payment process 520: Proof of documentation

610: Partial payment authorization process 620: Partial payment agreement authorization process

630: Split Payment Request Process

710: Shipping Payment Separation Order Process

Claims (11)

In the payment method In order that the client 10 having the billing right collects the payment price through the third party agent 30, which is the third party who received the agent from the client, without directly contacting the payer 21 having the payment obligation, The client terminal 51 of the client having the billing request according to the commerce, and the agent terminal 52 of the agent 30 that contacts the payer 21 and performs the settlement according to the request of the client 10, the payment server ( An authentication process for access (110) for performing an authentication process for access with 60; A billing agent request process 210 for requesting a billing agent by the client 10 to provide a billing server with comprehensive billing information for a billing agency billing request; The agent 30 is connected to the payment server 60 through the agent terminal 52 to receive the main payment information for the payment agent and payment agent authentication process 311 to authenticate the agent; Through the payment agent authentication process 311, the agent 30 receives the agent, the payment agent 21 visits the agent terminal 52 for the payment request process 312, which the agent 30 visits to present the billing request and requests the performance payment information. A transition payment information providing process for executing the settlement by inputting the transition payment information in step 320); Transition payment information transmission process for the agent 30 is connected to the payment server 60 through the agent terminal 52 to transfer the performance payment information received through the transition payment information providing process 320 to the payment server 60 ( 330; The payment server 60 connects with the payment approval authority server 80 to provide the payment approval authority server 80 with the performance payment information provided through the performance payment information transmission process 330 and requests payment approval. Process 411; In accordance with the payment approval request process 411, the payment approval institution server 80 verifies this according to the provided performance payment information, approves the payment, provides payment approval information, and transfers the payment amount to the client according to the payment approval. Payment transfer process (422) is performed as a payment approval process (421), The agent terminal 52 is connected to the payment server 60 in receiving the agent authentication and the main payment information in the agent 30 is a single agent terminal 52 from a plurality of clients 10 from the payment server 60 Multiple agency certifications and a number of key payment information regarding the billing claim for the same biller 21 and the billing bill for the biller located in the same region where the designated agent is active, among the total billing information requested in Agency payment method by a third party, characterized in that the receiving. The method of claim 1; The biller 21 is to make a partial payment through the plurality of biller 22 of the billing amount of the billing claim billed by the client 10, A partial payment authorization process 610 in which the payer 21 receives the partial payment from the client 10; According to the payment settlement process (610), one or more payment customers (22) to pay the billing bills are divided into the payment account (60), the agreement for the amount to be billed and the payment bill, such as address and contact Split payment agreement authentication process 620 for providing information; According to the split payment agreement authentication process 620, the agent in the region where one or more split billers 22 are located comprises a split payment request process 630 for contacting the split biller 22 to request split payment. Agency payment method by a third party characterized in that. The method of claim 1; The payment approval request process 411 by the payment server 60 is connected to the payment approval institution server 80 through the VAN which is the payment agency 70 to make a payment. The billing agency (70) VAN billing agent by the third party, characterized in that a plurality of payment server 60 is configured to selectively connect to the approval authority. The method of claim 1; In order for the agent 30 to perform the delivery together, the client 10 provides the delivery information provided when the product of the payer 21 is purchased to the payment server 60 in the payment agent request process 210, and the payment server 60 Providing delivery information through the payment agent authentication process (311) to the terminal of the agent, Agent is a proxy payment method for a third party, characterized in that a plurality of agents (30) including the delivery in the payment agency request process (210) to enable the smooth delivery of linked products quickly and quickly. The method of claim 4;  The designation of the agent 30 is a process of the automatic assignment by the payment server 60 according to the position of the payer 21 provided in the payment agent request process 210 by the client 10 and the manual by the client 10. A third party payment method, characterized in that by specifying through the designation process to prevent mis-delivery due to the negligence of the agent 30 and to optimize and control the delivery route of goods. The method of claim 4; When the agent 30 performs the delivery together, the payer 21 is the client (10) in the purchase of a product in which the goods receiver 40 and the actual payer 23 are different from each other. ) According to the delivery payment separation order process (710) and the payment settlement separation order process (710) to separate the goods receiver 40 according to the goods delivery and the actual payer (23) according to the billing claim. ) Through the payment agent request process 210 and payment agent authentication process 311 to provide the delivery information and the comprehensive payment information according to the actual payer 23 to the payment server 60, the agents 30 receive the goods recipient ( 40) and in contact with the actual payer 23 to perform the product delivery process (313) and payment request process 312, respectively, characterized in that the recipient and the actual payer can be specified by more than one person Agency payment method by a third party. The method of claim 4, wherein The agency commission of the agent 30 is a third party, characterized in that the payment server is made with the agency fee payment process (510) for distributing the agency fee according to the role of the agent at the time of payment of the agent's actions Agency payment method. In a payment system; Requester terminal 51 for transmitting and receiving the comprehensive transaction information for the client 10 to perform the operation for the payment agency request, and the agent terminal for the payment and payment information 21 for the payment execution according to the payment agent information provided (52), and transmits the main payment information to the agent terminal 52 in accordance with the authentication for the connection of the respective terminals and the comprehensive payment information provided from the client terminal 51, and enters the transition payment information input of the agent terminal 52 In accordance with the payment approval institution server 80 is configured as a payment server 60 to perform the payment process, The payment server 60 is a communication connection control unit 61 for wired / wireless transmission and reception with the client terminal 51 and the agent terminal 52, and the payment approval control unit 62 for controlling the requested payment from the agent (30) And a main controller 64 for controlling the operation of each component and a data unit for storing the requester, the payer, and the payment information. The data unit includes a client data unit 63a in which information of the client 10 is stored, a payer data unit 63b in which the information of the payer is stored, and a comprehensive payment information data unit in which transaction information according to the purchaser's product is stored. And a settlement approval target data portion (63d) for storing information of the settlement approval target to be connected according to the settlement type. The method of claim 8; A delivery information data unit 63e for storing delivery information provided from the requester in the data unit of the payment server 60 so that the agent 30 may also perform the delivery; A payment information data unit 63f for storing information on the payment amount received from the payment approval institution server 80 in the data unit of the payment server 60; 3. A proxy payment system for a third party, characterized in that the agency further comprises a proxy cost data unit (63g) in which data on payment of agents' costs according to payment and delivery agency is stored. delete delete

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