KR20070107965A - System and method for electronic settlement - Google Patents

Abstract

A system and a method for electronic payment are provided to divide and separately perform an ordering process and a payment process with different sessions. A receiver(41) receives order information, which includes an order number for goods/services ordered from a second client(20) and a payment amount, from a member shop system(30). A first transmitter(42) transmits payment request information including the payment amount for the ordered goods/services to the second client. A payment processor(43) processes the payment amount through a payment tool selected from the second client by linking with the second client. A second transmitter(44) transmits a payment processing result to the second client and the member shop system.

Description

Electronic payment system and method {SYSTEM AND METHOD FOR ELECTRONIC SETTLEMENT}

1 is a configuration diagram of a first embodiment of an electronic commerce system to which the electronic payment system according to the present invention is applied.

2 is a view showing the structure of a shopping mall database according to the present invention.

3 is a diagram showing the structure of a payment database according to the present invention;

Figure 4 is a block diagram of a second embodiment of an electronic commerce system to which the electronic payment system according to the present invention is applied.

Figure 5 is a block diagram of a third embodiment of an electronic commerce system to which the electronic payment system according to the present invention is applied.

6 is a flowchart of a first embodiment of an electronic commerce process to which an electronic payment method according to the present invention is applied.

7 is a flowchart of a second embodiment of an electronic commerce process to which an electronic payment method according to the present invention is applied.

8 is a flowchart of a third embodiment of an electronic commerce process to which an electronic payment method according to the present invention is applied.

*** Explanation of symbols on the main parts of the drawing ***

10: first client 15: first client group

16: third client 17: fourth client

20: Second Client 30: Merchant System

31: Shopping Mall Server 32: Shopping Mall Database

40: electronic payment system 41: receiver

42: first transmission unit 43: payment processing unit

44: second transmission unit 45: payment database

50: financial institution system

The present invention relates to an electronic payment system and method, and in particular, in the e-commerce process, the process of inquiring and ordering information of a product to be purchased and the process of paying for the order of the product are performed in at least separate sessions. The present invention relates to an electronic payment system and a method capable of processing dual orders and payments.

Conventionally, in the commerce of buying and selling goods, a method of paying and paying the goods is used in the state where the buyer and seller face to face, but the buyer does not face the seller due to the development of communication technology such as internet and terminal technology. Various e-commerce services are provided to inquire and order product information, and to pay and settle the product price. In particular, such an e-commerce service can be used anywhere where the buyer can visit the store or office of the seller in person or access the network such as the Internet without using a predetermined terminal (ATM for banking). With the introduction of the electronic automatic response method, it can be used without restriction in time, and has been developed and distributed at a rapid speed with economic advantages that can reduce the cost of securing and distributing stores. In addition, in accordance with the development in speed and security of mobile communication terminal technology such as mobile phones and wireless Internet technology, a method of providing such a conventional electronic commerce service in conjunction with a mobile communication terminal has been proposed and is currently developing rapidly.

Looking at the process of a conventional e-commerce service consists of inquiry, ordering and payment of product information. First, when a buyer connects with a merchant system (seller) through a network and uses the contents provided by the merchant system or views and selects information of a product to sell, the process for payment of the product price is continuously performed in the same session. Is performed. The payment process is performed by a payment gateway (PG) system interworking with the merchant system. Specifically, the electronic wallet module of the payment gateway (PG) system installed in the web server of the merchant system by APP or ActiveX method. Is done. When the buyer views and orders the product information, the PG company system and the electronic wallet module that interoperate with the merchant system are activated so that the buyer and the PG company system are directly connected, and the buyer is authenticated using an electronic certificate or other authentication means and then paid. Is done. When a buyer enters payment information such as credit card information, account information or prepaid card, the PG company system receives the payment information and sends and requests payment information to the relevant financial institution such as banks and credit card companies that can be linked to the customer for approval. Send payment result and approve payment to merchant system.

The process of the conventional e-commerce service is processed by a single process in a state in which at least one order and payment of the product information inquiry, order and payment are opened in one session, the subject of processing the product information inquiry, order and payment There was a characteristic of becoming a buyer. Although the merchant system provides a service for temporarily storing the product information selected by the buyer through a storage process such as a shopping cart, this could only be performed separately to separate the product information inquiry and the order in time and space.

Therefore, in the conventional e-commerce service, at least the order and payment processing must be performed continuously without being separated in time and space, there is a constraint that the buyer directly processes all product information inquiry, order and payment. Accordingly, there has been a problem in that various modifications of the service are impossible such as delegating product information inquiry or order to a third party and the buyer performing payment only, or the purchaser himself performing only payment after product information inquiry and order. In particular, in recent years, a service for purchasing goods or services has been activated for busy modern people. As described above, due to the limitation of an e-commerce service in which an order and a settlement are continuously performed, the purchase and settlement is performed. In order to do so, the buyer has no choice but to provide payment information such as a credit card number to a third party (agent), which greatly threatens security. In addition, even if the purchaser inquires and orders product information in the office, pays at home, or pays for the product ordered by the family, the order and payment must be separated in time and space, and the payment process cannot be performed separately. There was an inconvenience.

The present invention has been presented to solve the above problems, and an object of the present invention is to perform an order and payment process by performing at least an order and payment process in a separate session in an e-commerce process consisting of product information inquiry, order and payment. It is to provide an electronic payment system and method that can be dualized and separated in time and space.

In order to achieve the above object, the electronic payment system according to the present invention, the on-offline merchant system for providing goods and services, the first client to query the product information that is information on the goods and services provided by the merchant system and An electronic payment system that performs payment for goods and services in conjunction with a second client that receives product information from a merchant system, selects and orders goods and services to purchase, and pays for goods and services to be purchased. Receiving order information including the order number and payment price for the goods and services ordered by the second client, the first request for transmitting the payment request information including the payment price for the ordered goods and services to the second client In response to the transmitting unit and the second client, the second client And a second transmitter for transmitting the payment processing result to the second client and the affiliated store system.

In addition, in order to achieve the above object, another embodiment of the electronic payment system according to the present invention, merchandise information that is information on goods and services provided by the merchant system, the merchant system on / offline providing goods and services In conjunction with a first client group for querying and selecting and ordering goods and services to be purchased and a second client for receiving payment request information including payment for the ordered goods and services and paying the payment, An electronic payment system for performing a payment, comprising: a receiving unit for receiving order information including an order number and payment price for goods and services ordered by a first client group from a merchant system, and transmitting payment request information to a second client Selected by the second client in association with the first sender, the second client And a second transmitter for transmitting the payment processing result to the second client and the affiliate system.

Preferably, the first client group receives the product information from the third client and the merchant system inquiring product information which is information on the goods and services provided by the merchant system, and selects and orders the goods and services to purchase. 4 Include clients. As a payment method, any one of credit card payment, bank transfer payment, electronic money, prepaid card and mobile phone payment can be used. The order information further includes first access information which is a unique value assigned to the second client to access the second client, and the payment request information further includes second access information for the second client to access the electronic payment system. The first transmitter transmits the payment request information to the second client using the first access information. As the first access information, one of a mobile phone number, an ID assigned to identify the second client in the affiliated store system, an e-mail address, and a messenger ID may be used.

In addition, in order to achieve the above another object, the electronic payment method according to the present invention, the on / off-line merchant system for providing goods and services, product information that is information about the goods and services provided by the merchant system query Receiving product information from a first client and a merchant system to select and order goods and services to purchase and pay for the goods and services to purchase and to pay for goods and services in conjunction with a second client and merchant system and a second client In an electronic commerce system comprising an electronic payment system for performing a product information inquiry step of the first client to search for product information from the merchant system, product information transmission step of transmitting the product information inquiries by the merchant system to the second client, Note that 2nd client orders goods and services An electronic payment method comprising a payment step in which a payment step is performed by a door step and an electronic payment system in conjunction with a second client, wherein the payment step includes, from a merchant system, an order number and a payment price of goods and services ordered by a second client. A first step of receiving order information including a second step of transmitting payment request information including payment for the ordered goods and services to the second client, a payment method selected by the second client in association with the second client And a fourth step of payment processing through the payment price, and a fourth step of transmitting the payment processing result to the second client and the merchant system.

In addition, in order to achieve the above another object, another embodiment of the electronic payment method according to the present invention, the on / off-line merchant system for providing goods and services, information about goods and services provided by the merchant system And a second client and merchant system for receiving payment request information including payment price for the ordered goods and services and paying the payment price 2 In an e-commerce system including an electronic payment system that performs payment of a payment price in association with a client, a product information inquiry step in which a first client group inquires product information from a merchant system, and a first client group performs a product and service Ordering step and electronic payment system to order with the second client An electronic payment method comprising a payment step of performing a payment, wherein the payment step comprises a first step of receiving, from a merchant system, order information including an order number and payment price for goods and services ordered by a second client; A second step of transmitting the payment request information to the second client, a third step of payment processing through the payment means selected by the second client in connection with the second client, and a payment processing to the second client and the merchant system; And a fourth step of transmitting the result.

Preferably, the fourth client group receives the product information from the third client and the merchant system inquiring product information which is information on the goods and services provided by the merchant system, and selects and orders the goods and services to purchase. Include the client. The order information received in the first step may further include first access information, which is a unique value assigned to the second client so that the second client can access the second client, and the payment request information transmitted in the second step includes the electronic payment system. The second connection information for accessing the terminal may be further included. The first access information may use one of a mobile phone number, an ID assigned to identify the second client in the affiliate system, an e-mail address, and a messenger ID. The third step includes steps 3-1 of starting a new session with a second client connected to the communication, steps 3-2 of processing payment with a payment method selected by the second client, and step 2 with the second client. It is preferable to include a third to third step of terminating the session for. In this case, after step 3-1, step 3-4 of transmitting the validation request data requesting confirmation of whether the order information including the order number is currently valid to the merchant system and the order information from the merchant system The method further includes steps 3-5 for receiving the validation result, or steps 3-6 for accessing the order information table of the shopping mall database in which the order information is stored in the merchant system, and whether each order information is currently valid. It is preferable to further include the third to seventh steps of checking the validity of the order information by loading the valid flag value from the order information table using the order number as a key.

Hereinafter, with reference to the accompanying drawings will be described in detail the advantages, features and preferred embodiments of the present invention.

1 is a configuration diagram of a first embodiment of an electronic commerce system to which an electronic payment system according to the present invention is applied. 2 is a view showing the structure of a shopping mall database according to the present invention, Figure 3 is a view showing the structure of a payment database according to the present invention. In FIG. 2 and FIG. 3, the field used as the key of each table is shown in bold and underlined. The configuration of the first embodiment of the electronic commerce system according to the present invention will be described with reference to FIGS. 1 to 3 as follows.

In a first embodiment of the electronic commerce system according to the present invention, a merchant system 30 for selling goods and services (hereinafter referred to as 'product'), and a first client 10 for inquiring product information from the merchant system. The second client 20 selects and orders a product to purchase from among the product information queried by the first client, and the electronic payment system 40 and the second payment process for payment of the ordered product in connection with the second client. It includes a financial institution system 50 for providing a payment means to the client. In the first embodiment of the electronic commerce system according to the present invention, the first client 10 accesses the affiliated store system 30 to inquire product information, and the second client 20 among the product information inquired by the first client. Select items to purchase and order and pay. Therefore, the product information inquiry and the order and payment are discontinuously processed during the e-commerce process, and accordingly, the product information inquiry and the order / payment may be processed by different entities. Of course, the product information search and order / payment may be performed separately by the same subject.

The first client 10 receives and receives product information from the affiliated store system 30 on / offline. The product information includes an identification code (commodity code), name, sale price, and detailed information provided / sold by the affiliate store system 30. The detailed information includes detailed descriptions such as images, features and usage of each product. The commodity information inquired and selected by the first client 10 is transmitted to the second client 20, and the commodity information is transmitted by the first client or the affiliated store system 30. In addition, the first client 10 provides the affiliated store system 30 with first access information for accessing the second client 20 to order and pay for the goods. The first access information is a unique value assigned to the second client so that the second client can access the second client. The mobile phone number of the second client, the ID (login ID of the merchant system, etc.) assigned to the second client in the merchant system, 2 Include the client's email address and messenger ID. In the case where the affiliate system 30 is an online affiliate system such as an internet shopping mall, the session started by the connection of the first client is terminated by the first client searching for the product information and entering the first connection information, and then ending the connection with the affiliate system. .

The second client 20 receives the product information queried by the first client 10, selects a product to purchase through the received product information, and accesses the affiliated store system 30 to order the product. In addition, the second client 20 pays the product price using the payment means provided by the financial institution system 50. As a payment method, various payment methods such as credit card, bank transfer, electronic money, prepaid card and mobile phone micropayment can be used. The ordering and payment process of the second client 20 is performed separately from the product information inquiry process of the first client 10 in time and space. That is, when the affiliate system is an online affiliate system such as an internet shopping mall, a new session is started when the second client connects to proceed with the order and payment process. In FIG. 1, the first client 10 and the second client 20 are merely conceptually illustrated to clearly describe the present invention. In practice, the first client and the second client may be the same client. have. That is, one customer client accesses the affiliated store system 30, inquires product information, terminates the connection with the affiliated store system, and then accesses the affiliated store system again to order and pay for a product to purchase. In this case, product information search, order, and payment are performed in different sessions and are separated in time and space by the same subject.

The merchant system 30 sells goods to the first client 10 and the second client 20, and includes both online and offline merchant systems. The affiliated store system 30 includes a shopping mall server 31 which performs various processes for selling a product, and a shopping mall database 32 which stores data necessary for selling a product.

The shopping mall server 31 loads the product information from the shopping mall database 32 and provides it to the first client 10. The shopping mall server 31 receives the first access information of the second client from the first client and inquires and selects the product. Send the information to the second client. The product information includes an identification code (product code), name, sale price, and detailed information of each product sold by the affiliate store system 30. In addition, when the second client 20 accesses the second client 20 to select and order a product, the shopping mall server 31 generates order information of the ordered product, transmits the order information to the electronic payment system 40, and requests a payment process. The order information includes an order number, identification information of the merchant system, first access information of the second client, a product code, and a payment price. The order number is a unique value generated by the shopping mall server 31 when a product is ordered by the second client 20 and used to identify the order and the order information. The payment amount is calculated by summing the sales amount of the ordered product as the amount to be paid by the second client.

The shopping mall database 32 includes a product information table for storing data for product information and an order information table for storing data for order information. The product information table stores the product code, name, sales price and detailed information of each product, and the order information table contains the order number, the first connection information of the second client, the product code of the ordered product, payment price and valid flag. Stored. The valid flag is a value indicating whether the order information is valid, for example, whether the order is valid without being canceled by the second client or whether the order is in stock or available. Indicates if it can be processed.

The electronic payment system 40 receives the order information from the affiliated store system 30 and processes payment of the product price in association with the second customer client 20. The electronic payment system 40 is interlocked with a receiver 41 that receives order information from the affiliated store system 30, a first transmitter 42 that transmits payment request information to the second client 20, and a second client. Payment processing unit 43 for payment processing of goods, second transmission unit 44 for transmitting the payment processing result to the second client and the merchant system, and payment information for storing order information, payment request information, and payment processing result Database 45 is included.

The receiver 41 receives the order information of the goods ordered by the second client 20 from the affiliated store system 30. As described above, the order information includes an order number, identification information of the affiliated store system, first access information of the second client, a product code, and a payment price. The received order information is stored in the payment database 45.

The first transmitter 42 transmits payment request information for requesting payment to the second client 20. The payment request information is transmitted using the first access information of the second client, and the identification number of the payment request information, the identification information of the merchant system, the second payment for accessing the payment amount to be paid by the second client and the electronic payment system. Contains information. The identification information of the merchant system and the payment price are used in the order information. The second access information is information that allows the second client 20 to access the electronic payment system 40 and includes a URL and an IP address of the electronic payment system. The second connection information is preferably provided in a form linked to the electronic payment system. The payment request information may further include a product detail which is a list of products ordered by the second client.

The payment processor 43 processes payment by interworking with the second client 20. When the second client 20 accesses the electronic payment system 40 through the second access information of the payment request information, the payment processing unit 43 is selected with the second client to select a payment method to pay the payment price. The second client is authenticated through an accredited certificate. Payment methods include credit cards, bank transfers, electronic money, prepaid cards and mobile phone micropayments. In addition, the payment processing unit 43 requests the payment to the financial institution system 50 that provided the selected payment method, and receives the approval from the financial institution system to complete the payment. The payment processor 43 stores the approval of the financial institution system 50 in the payment database 45.

On the other hand, the payment processor 43 preferably checks whether the order information for the payment is valid before the second client 20 is connected to perform the payment. Validation of the order information is performed by the payment processing unit 43 transmits the validation request data including the order number to the merchant system 30 and receives a validation result from the merchant system. Validation of the order information of the affiliated store system 30 is performed by checking the valid flag of the order information table of the shopping mall database 32. At this time, if the order information is invalid, the payment processing unit 43 transmits a message indicating this to the second client and ends the payment processing. On the other hand, when the payment processing unit 43 interlocks by installing a separate module in the affiliated store system 30 like an electronic wallet, the payment processing unit directly accesses the order information table in the shopping mall database 32 of the affiliated store system to set a valid flag. You can also check the validity of the order information by loading.

The second transmitter 44 transmits the payment processing result to the second client 20 and the affiliated store system 30. The payment processing result includes the identification number of the payment processing result, the payment price, and whether the approval is included. The payment processing result sent to the second client 20 includes identification information of the affiliated store system and is transmitted to the affiliated store system 30. Processing results should include the order number.

The payment database 45 includes an order information table for storing order information, a payment request information table for storing data for generating and transmitting payment request information, and a payment processing result table for storing data for generating and transmitting payment processing results. It includes. The order information table stores the order information received from the affiliated store system 30, and specifically stores the order number, identification information of the affiliated store system, the first access information, the product code, and the payment price. The payment request information table stores data necessary for generating and transmitting payment request information. Specifically, the payment request information table stores payment request information identification numbers, order numbers, and second access information. With reference to the order information table, the payment request information table is referred to as the order number, the merchant system identification information and payment amount are loaded from the order information table, included in the payment request information, and the first access information is loaded to the second client. Request information can be transmitted. In addition, when the payment request information includes the product details, the product code may be loaded from the order information table and included in the payment request information. The payment processing result table stores data necessary for generating and transmitting the payment processing result, and specifically stores the payment processing result identification number, the order number, and whether the financial institution system 50 is approved. The payment processing result table may also refer to the order information table using the order number as a reference key, and load the affiliate system identification information, the first access information, and the payment price.

The financial institution system 50 provides the payment means to the second client 20 and processes the payment in accordance with the payment request of the payment processing unit 43 of the electronic payment system 40. Financial institution system 50 includes credit card companies, banks, carriers, and electronic money providers.

4 is a configuration diagram of a second embodiment of an electronic commerce system to which an electronic payment system according to the present invention is applied. As shown in FIG. 4, the second embodiment of the electronic commerce system according to the present invention is an embodiment in which the product information inquiry and the order and payment are discontinuously performed by different clients. The merchant system 30 accesses the product information, inquires product information, selects and orders a product to purchase, and the second client 20 performs only payment of a payment price for the ordered product. That is, the second client 20 immediately receives payment request information from the electronic payment system 40 and processes only payment of goods ordered by the first client group. At this time, the first access information of the second client is input from the first client group. Accordingly, the product information inquiry / order and payment are separated in time and space by different entities in the e-commerce process. In FIG. 4, the first client group 15 and the second client 20 are merely conceptually illustrated to clearly describe the present invention. In practice, the first client group and the second client may be identical to each other. May be That is, one customer client accesses the affiliated store system 30, inquires and orders product information, terminates the connection with the affiliated store system, and uses the payment request information transmitted from the electronic payment system 40 to pay for the ordered product. You can pay the price. In this case, the product information inquiry / order and payment are separated by space and time by the same subject. Other components of the second embodiment of the electronic commerce system are the same as described above, so detailed description thereof will be omitted.

5 is a configuration diagram of a third embodiment of an electronic commerce system to which an electronic payment system according to the present invention is applied. As shown in FIG. 5, the third embodiment of the electronic commerce system according to the present invention is an embodiment in which product information inquiry, ordering, and payment are all performed by different clients. The third client, including the third client 16 and the fourth client 17, accesses the affiliated store system 30 to inquire product information, and the fourth client selects a product to purchase from among the product information inquired by the third client. Order it. Product information inquiry of the third client and the order of the fourth client are made in separate sessions. The second client 20 receives payment request information from the electronic payment system 40 and processes payment of goods ordered by the fourth client 17. At this time, the first access information of the second client is received from the fourth client. Therefore, the product information inquiry, order, and payment are all performed by separate entities in different sessions during the e-commerce process. Meanwhile, in FIG. 5, the third client 16, the fourth client 17, and the second client 20 are merely conceptually divided to clearly describe the present invention. In this case, the fourth client and the second client may be the same client. That is, one customer client accesses the affiliated store system 30, inquires product information, terminates the connection with the affiliated store system, and then accesses the affiliated store system again, selects and orders a product to purchase from the inquired product information again. After the connection is terminated, the settlement price of the ordered goods may be settled using the settlement request information transmitted from the electronic settlement system 40. In this case, the product information inquiry, order and payment are all performed in different sessions and separated by space and time by the same subject. Since other components of the third embodiment of the electronic commerce system are the same as described above, detailed description thereof will be omitted.

6 is a flowchart of a first embodiment of an electronic commerce process to which an electronic payment method according to the present invention is applied. Referring to FIG. 6, a first embodiment of an electronic commerce process to which an electronic payment method according to the present invention is applied is as follows.

The first client 10 accesses the affiliated store system 30 and inquires the product information provided by the shopping mall server 31 (ST600). The product information includes a product code, name, sale price and detailed information of each product, and is loaded and provided from the product information table of the shopping mall database 32. The first client 10 also inputs the first connection information of the second client 20 to the shopping mall server 31, and the shopping mall server uses the first connection information to display the product information queried by the first client. Send to the client (ST605, ST610). The first access information includes a mobile phone number, an ID in the merchant system (login ID of the merchant system), an e-mail address, and a messenger ID. Steps ST600 and ST605 are performed in one session that is started when the first client 10 connects to the affiliate system 30, and the session is terminated when the first client terminates the connection with the affiliate system.

The second client 20 accesses the affiliated store system 30 and selects and orders a product to purchase from among the product information inquired by the first client 10 (ST615). The ST615 step is also performed in a new session started when the second client 20 accesses the affiliated store system 30. The new session is of course different from the session in which the steps ST600 and ST605 are performed.

The shopping mall server 31 transmits the order information to the electronic payment system 40, and the receiver 41 receives the order information and stores the order information in the order information table of the payment database 45 (ST620). The order information includes an order number, identification information of the merchant system, first access information of the second client, a product code, and a payment price. The order number is a unique identification code generated by the shopping mall server 31 when the second client 20 orders the product, so that the merchant system and the electronic payment system can distinguish each order and order information.

The first transmitter 42 transmits payment request information including payment details to the second client 20 (ST625). The payment request information is transmitted to the second client using the first access information included in the order information, and includes the identification information of the affiliated store system, the payment price to be paid by the second client, and the second access information. The payment request information may further include details of the goods ordered by the second client. The second connection information is preferably provided in the form of a link to the connection information such as a URL or an IP address that allows the second client 20 to access the electronic payment system 40.

When the second client 20 accesses the electronic payment system 40 using the second access information to request payment processing, the payment processing unit 43 checks the validity of the order information for the corresponding payment before the payment ( ST630). Validation of order information confirms whether the order to be paid is currently a valid order and whether the order is valid without being canceled and whether the order is in stock or available. Check if you can. In order to confirm the validity of the order information payment processing unit 43 transmits the validation request data including the order number to the merchant system 30, the shopping mall server 31 orders from the shopping mall database 32 using the order number. After loading the information, check the valid flag value of the loaded order information and send the result. When a separate module of the electronic payment system 40 is installed and interlocked in the affiliated store system 30, such as an electronic wallet, the payment processing unit 43 directly accesses the shopping mall database 32 using the order number to display corresponding order information. You can also load and check the valid flags.

If the validity of the order information is not currently valid, the payment processing unit 43 ends the payment process after transmitting a message that the order information is invalid to the second client 20 (ST635, ST640).

If the validity of the order information is valid, the payment processing unit 43 is selected from the second client 20 payment method for payment processing, and authenticates the second client and the financial institution system 50 provided with the selected payment method. Request payment (ST635, ST645). As a payment method, various payment methods such as credit card, bank transfer, electronic money, prepaid card and mobile phone micropayment can be used without limitation.

If the payment request is approved from the financial institution system 50, the payment processing unit 43 approves the payment of the corresponding order information (ST650, ST655). On the other hand, if the payment request is rejected from the financial institution system 50, the payment processing unit 43 rejects the payment of the order information (ST650, ST660). The second transmitter 44 transmits the payment processing result to the second client 20 and the affiliated store system 30 (ST665). The payment processing result includes the payment price and approval, and the payment processing result sent to the second client 20 includes identification information of the affiliated store system, and the payment processing result sent to the affiliated store system 30 indicates an order number. Include it.

7 is a flowchart of a second embodiment of an electronic commerce process to which an electronic payment method according to the present invention is applied. A second embodiment of an electronic commerce process to which the electronic payment method according to the present invention is applied will be described with reference to FIG. 7.

The first client group 15 accesses the affiliated store system 30 and inquires the product information provided by the shopping mall server 31 (ST700). In addition, the first client group 15 selects and orders a product to purchase from the inquired product information, and inputs first connection information of the second client 20 (ST705 and ST710). Steps ST700 to ST710 are performed in one session started when the first client group 15 connects to the affiliate system 30, and the session is terminated when the first client terminates the connection with the affiliate system.

The receiver 41 receives the order information from the shopping mall server 31 and stores the order information in the order information table of the payment database 45, and the first transmitter 42 transmits the payment request information to the second client 20 ( ST715, ST720).

When the second client 20 accesses the electronic payment system 40 using the second access information, the payment processor 43 confirms the validity of the order information to be settled (ST725). Validation of the order information is performed by checking the valid flag value of the order information table of the shopping mall database 32, and transmits the validation request data to the shopping mall server 31 and receives a validation result or the payment processing unit 43 By accessing and confirming the shopping mall database 32.

If the validity of the order information is not currently valid, the payment processing unit 43 transmits a message to the second client 20 and ends the payment processing (ST730, ST735).

If the validity of the order information is valid, the payment processor 43 selects a payment method from the second client 20 and requests a payment from the financial institution system 50 (ST730, ST740). If the payment request is approved from the financial institution system 50, the payment processing unit 43 approves the payment of the order information, and if the payment request is rejected, rejects the payment of the order information (ST745 to ST755). The second transmitter 44 transmits the payment processing result to the second client 20 and the affiliated store system 30 (ST760).

8 is a flowchart of a third embodiment of an electronic commerce process to which an electronic payment method according to the present invention is applied. Referring to FIG. 8, a first embodiment of an electronic commerce process to which an electronic payment method according to the present invention is applied will be described below.

The third client 16 accesses the affiliated store system 30 and inquires the product information provided by the shopping mall server 31 (ST800). The product information queried by the third client 16 is transmitted to the fourth client 17, and the fourth client accesses the affiliated store system 30 to select and order the product to be purchased among the product information (ST805 and ST810). . In addition, the fourth client 17 inputs first access information of the second client 20 to the affiliated store system 30 (ST815). Step ST800 is performed in a session maintained while the third client 16 connects to the merchant system 30, and step ST810 is performed in a new session maintained while the fourth client 17 is connected to the merchant system. That is, steps ST800 and ST810 are performed in different sessions.

The shopping mall server 31 transmits the order information to the electronic payment system 40, and the receiver 41 receives the order information and stores the order information in the order information table of the payment database 45 (ST820). The first transmitter 42 transmits payment request information to the second client 20 using the first access information included in the order information (ST825).

When the second client 20 accesses the electronic payment system 40 using the second access information included in the payment request information, the payment processing unit 43 checks the validity of the order information for the corresponding payment before the payment. (ST830). If the validity of the order information is not valid at present, the payment processing unit 43 transmits a message indicating that the order is invalid to the second client 20 and ends the payment process (ST835, ST840).

If the validity of the order information is valid, the payment processing unit 43 selects a payment method from the second client 20, authenticates the second client, and requests a payment to the financial institution system 50 (ST835, ST845). .

If the financial institution system 50 approves the payment request, the payment processing unit 43 approves the payment of the order information. If the payment request is rejected, the payment processing unit rejects the payment of the order information. 44 transmits the payment processing result to the second client 20 and the affiliated store system 30 (ST850 to ST865).

As described above, the electronic payment system and method according to the present invention in the e-commerce process consisting of product information lookup, order and payment, at least two orders and payments discontinuously performed in different sessions to dualize each other order and payment Product information inquiry, ordering and payment can be made by other clients, and the same client does not need to perform product information inquiry, ordering and payment continuously. It works.

While the preferred embodiments of the present invention have been described using specific terms, such descriptions are for illustrative purposes only, and various changes and modifications may be made without departing from the spirit and scope of the following claims. Should be done.

Claims (14)

An online / offline merchant system for providing goods and services; A first client for querying product information which is information on goods and services provided by the affiliated store system; And an electronic payment system that receives the product information from the affiliate system and selects and orders a product and a service to purchase, and works with a second client that pays for the product and the service to purchase. , Receiving unit for receiving the order information, including the order number and payment for the goods and services ordered by the second client from the merchant system; A first transmitter to transmit payment request information including payment price for the ordered goods and services to the second client; A payment processor configured to process the payment through the payment means selected by the second client in association with the second client; And And a second transmitter for transmitting a payment processing result to the second client and the affiliate system. An online / offline merchant system for providing goods and services; A first client group for querying product information which is information on goods and services provided by the affiliated store system, and selecting and ordering goods and services to be purchased; And an electronic payment system for receiving payment request information including payment price for the ordered goods and services and interworking with a second client paying the payment price, for performing payment for the goods and services. Receiving unit for receiving the order information including the order number and payment price for goods and services ordered by the first client group from the merchant system; A first transmitter to transmit the payment request information to the second client; A payment processor configured to process the payment through the payment means selected by the second client in association with the second client; And And a second transmitter for transmitting a payment processing result to the second client and the affiliate system. The method of claim 2, The first client group, A third client for querying product information which is information on goods and services provided by the affiliated store system; And And a fourth client that receives the product information from the affiliate system and selects and orders goods and services to purchase. The method according to any one of claims 1 to 3, The payment means, Electronic payment system, characterized in that any one of credit card payment, bank transfer payment, electronic money, prepaid card and mobile phone micropayment. The method according to any one of claims 1 to 3, The order information further includes first access information which is a unique value assigned to the second client so as to access the second client, The payment request information further includes second connection information for the second client to access the electronic payment system, And the first transmitting unit transmits the payment request information to the second client using the first access information. The method of claim 5, The first connection information, And a mobile phone number, one of an ID, an e-mail address, and a messenger ID assigned to identify the second client in the merchant system. An online / offline merchant system for providing goods and services; A first client for querying product information which is information on goods and services provided by the affiliated store system; A second client that receives the product information from the affiliated store system, selects and orders a product and a service to purchase, and pays a price of the product and a service to be purchased; And an electronic payment system configured to perform payment for the goods and services in association with the affiliated store system and the second client, wherein the first client retrieves the product information from the affiliated store system. Inquiry step; A product information transmitting step of transmitting, by the affiliate system, the inquiry product information to the second client; An order step in which the second client orders the goods and services; And a payment step in which the electronic payment system interworks with a second client to make a payment. The payment step, A first step of receiving, from the merchant system, order information including an order number and a payment price of goods and services ordered by the second client; A second step of transmitting payment request information including payment price for the ordered goods and services to the second client; A third step of interfacing with the second client to process the payment through the payment means selected by the second client; And And a fourth step of transmitting a payment processing result to the second client and the affiliated store system. An online / offline merchant system for providing goods and services; A first client group for querying product information which is information on goods and services provided by the affiliated store system, and selecting and ordering goods and services to be purchased; A second client receiving payment request information including payment price for the ordered goods and services and paying the payment price; And an electronic payment system configured to perform payment of the payment price in association with the affiliated store system and the second client, wherein the first client group retrieves the product information from the affiliated store system. step; An order step in which the first client group orders the goods and services; And a payment step in which the electronic payment system interworks with a second client to make a payment. The payment step, A first step of receiving, from the merchant system, order information including an order number and a payment price for goods and services ordered by the second client; A second step of transmitting the payment request information to the second client; A third step of interfacing with the second client to process the payment through the payment means selected by the second client; And And a fourth step of transmitting a payment processing result to the second client and the affiliated store system. The method of claim 8, The first client group, A third client for querying product information which is information on goods and services provided by the affiliated store system; And And a fourth client that receives the product information from the affiliate store system and selects and orders a product and a service to purchase. The method according to any one of claims 7 to 9, The order information received in the first step further includes first access information which is a unique value assigned to the second client so as to access the second client, The payment request information transmitted in the second step, the electronic payment method further comprises a second connection information for accessing the electronic payment system. The method of claim 10, The first connection information, And a mobile phone number, an ID assigned to identify the second client in the merchant system, an e-mail address, and a messenger ID. The method according to any one of claims 7 to 9, The third step, Initiating a new session for the second client that is in communication; Step 3-2 of processing the payment for the payment means selected by the second client; And And a third step of terminating the session for the second client. The method of claim 12, After the step 3-1, A third to fourth step of transmitting, to the affiliated store system, validity confirmation request data requesting confirmation of whether the order information is currently valid, including the order number; And And a third step of receiving the result of checking the validity of the order information from the affiliated store system. The method of claim 12, After the step 3-1, Step 3-6 of accessing the order information table of the shopping mall database in which the order information is stored in the affiliate store system; And And a third to seventh step of checking validity of the order information by loading a valid flag value indicating whether or not each order information is currently valid from the order information table using the order number as a key. Payment Method.

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