KR20160126442A - Method for providing vicarious purchase payment service - Google Patents

Abstract

A method for providing an integrated purchase settlement service, comprising the steps of: receiving a purchase agency request event from a buyer terminal; receiving a payment agent request event for an article from which a purchase agency request event is generated; Transmitting an article purchase request event for purchasing an article by connecting the article contained in the received purchase agency request event to at least one shopping mall server or at least one merchant terminal when a payment approval of an event occurs, Payment of the goods to the server or at least one merchant terminal, and transmitting data of the buyer terminal included in the purchase request event to at least one shopping mall server.

Description

METHOD FOR PROVIDING VICARIOUS PURCHASE PAYMENT SERVICE [0002]

The present invention relates to a method for providing an integrated purchase settlement service.

Recently, a billing system through the Internet and mobile has been developed, and a system for simple settlement has been researched and developed by companies having various billing systems, and the billing system is used by a plurality of users. It is a reality that there is still a lot of hassle because a user has to subscribe to a plurality of payment systems.

The simple settlement using mobile is composed of approval and settlement through mobile. In this regard, Korean Patent Laid-Open Publication No. 2011-0033337 (published on Mar. 31, 2011) discloses a mobile terminal having a billing function in a virtual machine (VM) banking system to perform remote and short- And simplifies the settlement of payment such as utility bills and management fees, settlement of shopping using mobile phones, and authentication of mobile phones for Internet shopping.

However, even if the mobile simple settlement is used, when there is a settlement system other than the mobile simple settlement, the user can not use the mobile simple settlement that he / she has used. In order to use another settlement system, There is a hassle to register or subscribe separately.

In an embodiment of the present invention, when receiving a purchase agency request and a payment agency request from a buyer terminal, a unique payment means held by a buyer can be a unique payment means It is possible to provide an integrated purchase settlement service providing method that enables both purchase and settlement both online and offline even if only one unique payment means is available. It should be understood, however, that the technical scope of the present invention is not limited to the above-described technical problems, and other technical problems may exist.

According to an aspect of the present invention, there is provided a method for providing a purchase agent request message to a buyer terminal, the method comprising: receiving a purchase agency request event from a buyer terminal; Receiving an item purchase request event for purchasing goods by connecting the goods included in the received purchase agency request event to at least one shopping mall server or at least one merchant terminal when a payment approval of the received payment agent request event occurs, , Paying for the goods to at least one shopping mall server or at least one merchant terminal, and transmitting the data of the buyer terminal included in the purchase agency request event to at least one shopping mall server .

According to any one of the above objects of the present invention, in the case of receiving a purchase agency request and a payment agent request from a buyer terminal, a unique payment means held by a buyer can be transmitted to a desired site By making the order payment and settlement possible with the unique payment means, even if only one unique payment means is available, both online and offline purchase and payment can be made possible.

FIG. 1 is a block diagram illustrating an integrated purchase settlement service providing system according to an embodiment of the present invention. Referring to FIG.
FIG. 2 is a block diagram illustrating the integrated purchase settlement service providing server shown in FIG. 1. Referring to FIG.
3 is a view for explaining an embodiment in which an integrated purchase settlement service is implemented in the integrated purchase settlement service providing system shown in FIG.
4 is a diagram illustrating a process in which data is transmitted and received between the respective components included in the integrated purchase payment settlement service providing system of FIG. 1 according to an embodiment of the present invention.
5 is a flowchart illustrating an integrated purchase settlement service providing method according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "electrically connected" with another part in between . Also, when an element is referred to as "including" an element, it is to be understood that the element may include other elements as well as other elements, And does not preclude the presence or addition of one or more other features, integers, steps, operations, components, parts, or combinations thereof.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a block diagram illustrating an integrated purchase settlement service providing system according to an embodiment of the present invention. Referring to FIG. Referring to FIG. 1, an integrated purchase settlement service providing system 1 according to an embodiment of the present invention includes a buyer terminal 100, an integrated purchase settlement service providing server 300, at least one shopping mall server 400 , At least one merchant terminal 500 and at least one payment server 600. [ However, since the system 1 for providing the integrated purchase payment service of FIG. 1 is only an embodiment of the present invention, the present invention is not limited to FIG.

At this time, the respective components of FIG. 1 are generally connected through a network 200. 1, the purchaser terminal 100 may be connected to the integrated purchase settlement service providing server 300 through the network 200 and may be connected to the integrated purchase settlement service providing server 300 To at least one shopping mall server 400, at least one merchant terminal 500, and at least one payment server 600 via the Internet. The integrated purchase settlement service providing server 300 is connected to the purchaser terminal 100, at least one shopping mall server 400, at least one merchant terminal 500 and at least one payment server 600 . At least one shopping mall server 400 and at least one merchant terminal 500 may be connected to the integrated purchase settlement service providing server 300 through the network 200 and may be connected to an integrated purchase settlement service providing server 300 to the buyer terminal 100 and the at least one payment server 600. At least one settlement server 600 may be connected to the integrated purchase settlement service providing server 300 through the network 200 and may be connected to at least one shopping mall 300 via the integrated purchase settlement service providing server 300. [ The server 400 and the at least one merchant terminal 500. [

Here, the network 200 refers to a connection structure capable of exchanging information between nodes such as terminals and servers. An example of the network 200 is an Internet, a LAN (Local Area Network) ), Wireless LAN (Local Area Network), WAN (Wide Area Network), PAN (Personal Area Network), 3G, 4G, LTE, VoLTE, Wi-Fi, Bluetooth, NFC, RFID, But is not limited to. The purchaser terminal 100, the integrated purchasing settlement service providing server 300, the at least one shopping mall server 400, the at least one merchant terminal 500 and the at least one payment server 600 shown in FIG. But is not limited to those shown in Fig.

The purchaser terminal 100 may be a terminal that transmits a purchase proxy request and a payment proxy request to the integrated purchase payment proxy service providing server 300. [ Here, the purchasing agent request may be a request for purchase of an article or a service article of a site which is not settled by the unique payment means held by the purchaser terminal 100. In addition, the settlement proxy request may be a request for settlement of a goods or service article of a site that is not settled by the unique payment means held by the buyer terminal 100. [ For example, it is assumed that the unique payment means of the buyer terminal 100 is company A, and that the site of the article that the buyer terminal 100 wants to purchase is adopted only by the company B's payment means. At this time, when the purchaser of the buyer terminal 100 wishes to purchase the desired article, he / she registers a card or account transfer to the company B, sets a password, and performs a series of processes to be authenticated After completing all the steps, once the registration is completed with the payment means of Company B, return to the site again, select the item again, fill in the shipping information, select the payment window as the payment method of Company B, . In this case, it is not easy for each company to go through a series of processes on the mobile, although each user can only register the card once, sign up for membership and authenticate. Even if it is finished, since the user wants to use his or her own payment means for each site or each payment system, the user may be required to subscribe to almost all the payment means. In this case, the user may eventually abandon the use of the payment means, and in such a case, the simple payment means may become unusable. Accordingly, the system 1 for providing an integrated purchasing settlement agent service according to an embodiment of the present invention can use the one or more unique payment means held by the purchaser terminal 100 to adopt the unique payment means Make it possible to purchase and pay for any site or billing system. Through this, the user can purchase and settle a desired article and service article without creating a unique payment means other than the unique payment means already held. Here, the purchaser terminal 100 may be implemented as a computer capable of connecting to a remote server or terminal through the network 200. [ Here, the computer may include, for example, a notebook equipped with a web browser (WEB Browser), a laptop, and the like. In addition, the purchaser terminal 100 may be implemented as a terminal capable of connecting to a remote server or terminal through the network 200. [ The purchaser terminal 100 is a personal digital assistant (PDA), a Personal Digital Cellular (PDC), a personal digital assistant (PDS), a personal digital assistant Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wibro (Wireless Broadband Internet) A handheld based wireless communication device such as a smartphone, a smartpad, a tablet PC, and the like.

The integrated purchase settlement service providing server 300 receives the purchase agency request and settlement agency request of the buyer terminal 100, grasps the inventory of the received goods, determines whether the service article can be reserved, If possible, the buyer terminal 100 is allowed to settle the goods or service goods through the unique payment means. At this time, the integrated purchase settlement service providing server 300 can allow the purchaser terminal 100 to select a unique payment means, and when the unique payment means is selected in the buyer terminal 100, And may proceed to settle the goods or service goods. The integrated purchasing settlement service providing server 300 may request payment by at least one payment server 600 linked to the unique payment means and may request payment from at least one shopping mall server 400 or at least one merchant terminal 400. [ The purchasing agent and the payment agent can be completed by paying the price of the goods or the service goods together with the information of the buyer terminal 100 with the information 500. Here, the integrated purchase settlement service providing server 300 may be implemented as a computer capable of connecting to a remote server or terminal through the network 200. [ Here, the computer may include, for example, a notebook equipped with a web browser (WEB Browser), a laptop, and the like. In addition, the integrated purchasing settlement service providing server 300 may be implemented as a terminal capable of connecting to a remote server or terminal through the network 200. [

At least one shopping mall server 400 may be a server that uploads goods or service goods online. When the lowest purchase price search is performed in the integrated purchase settlement service providing server 300, at least one shopping mall server 400 transmits a search result to the server 300, which returns the search result to the integrated purchase settlement service providing server 300 Lt; / RTI > At least one shopping mall server 400 receives the information of the purchaser terminal 100 from the integrated purchasing settlement service providing server 300 and transmits the information of the purchaser terminal 100 to the base Lt; RTI ID = 0.0 > a < / RTI > Here, at least one shopping mall server 400 may be implemented as a computer capable of connecting to a remote server or terminal through the network 200. [ Here, the computer may include, for example, a notebook equipped with a web browser (WEB Browser), a laptop, and the like. Also, at least one shopping mall server 400 may be implemented as a terminal capable of connecting to a remote server or terminal through the network 200. [

At least one merchant terminal 500 may be a terminal of an affiliate shop that sells an article or a service article offline. When at least one merchant terminal 500 receives a purchase settlement request from the buyer terminal 100 via the integrated purchase settlement service providing server 300, the at least one merchant terminal 500 processes the purchase and settlement process of the goods Or the like. Here, at least one merchant terminal 500 may be implemented as a computer capable of connecting to a remote server or terminal through the network 200. Here, the computer may include, for example, a POS (Point Of Sale), a notebook equipped with a web browser (WEB Browser), a laptop, and the like. Also, at least one shopping mall server 400 may be implemented as a terminal capable of connecting to a remote server or terminal through the network 200. [

When at least one payment server 600 receives a payment request from the integrated purchase settlement service providing server 300 according to the unique payment means of the purchaser terminal 100, And a server for making a payment payment request to the buyer terminal 100. [ Here, at least one payment server 600 may correspond to at least one unique payment means, and the purchaser terminal 100 may register its payment means in at least one payment server 600 in advance. Accordingly, at least one payment server 600 can register the information of the purchaser terminal 100 in advance, and when the payment request is generated in the integrated purchase settlement service providing server 300, have. At this time, at least one payment server 600 may be implemented as a computer capable of connecting to a remote server or terminal through the network 200. [ Here, the computer may include, for example, a POS (Point Of Sale), a notebook equipped with a web browser (WEB Browser), a laptop, and the like. Also, at least one payment server 600 may be implemented as a terminal capable of connecting to a remote server or terminal through the network 200.

FIG. 2 is a block diagram for explaining the integrated purchase settlement service providing server shown in FIG. 1; FIG. 3 is a block diagram illustrating an integrated purchase settlement service providing server shown in FIG. 1; Fig.

Referring to FIG. 2, the integrated purchase settlement service providing server 400 includes a first receiving unit 310, a second receiving unit 320, a first transmitting unit 330, a paying unit 340, A search unit 350, a minimum cost search unit 360, and a settlement unit 370.

(Not shown) operating in conjunction with the integrated purchase settlement service providing server 400 or the integrated purchase settlement providing service providing server 400 according to an embodiment of the present invention may include an integrated purchase settlement service application server 400, Web page, or the like to the purchaser terminal 100, the purchaser terminal 100 can install or open an application, a program, a web page, and the like for the service. In addition, an integrated purchase settlement service program may be executed in the buyer terminal 100 by using a script executed in a web browser. Here, a web browser is a program that enables a WWW (World Wide Web) service, and is a program for receiving and displaying hypertext described in hypertext mark-up language (HTML), for example, Netscape (Netscape) An Explorer, chrome, and the like. Further, the application refers to an application on the terminal, for example, an app (app) running on a mobile terminal (smart phone).

At this time, the connection to the network 200 includes a purchaser terminal 100, an integrated purchasing settlement service providing server 300, at least one shopping mall server 400, at least one merchant terminal 500 and at least one payment server 600 Means creating a communication object at a communication contact for communication with a terminal connected to the network 200. [ In addition, the integrated purchase settlement service providing server 400 may exchange data with each other through the communication object.

The first receiving unit 310 can receive a purchase agency request event from the buyer terminal 100. [ Here, the purchase agency request event may be received through a web page, an app page, or an application provided or associated with the integrated purchase payment agency service providing server 300. At this time, the application includes the messenger application, and the purchase agency request event or payment agent request event can be transmitted through the chat screen of the messenger application. Here, the purchase agency request event may be directly transmitted from the buyer terminal 100 to the first receiver 310 through a web page, an app page, or an application, or may be transmitted from the buyer terminal 100 to the integrated purchase settlement agent service providing server 300 And when the purchaser terminal 100 executes a screen for an item to be purchased, the first receiving unit 310 may receive the screen by scanning or reading the screen of the purchaser terminal 100. [

The second receiving unit 320 may receive a settlement requesting event for the article in which the purchase agency request event is generated from the buyer terminal 100. [ Here, the settlement agency request event may be received through a web page, an app page, or an application provided or associated with the integrated purchase settlement agent service providing server 300, the application may include a messenger application, The payment agent request event can be transmitted through the chat screen of the instant messenger application. The second receiving unit 320 receives at least one payment server 600 from the unique payment means of the buyer terminal 100 and provides the integrated purchase settlement service providing server And the integrated purchase settlement service providing server 300 makes a settlement for purchasing the goods to at least one shopping mall server 400 or at least one merchant terminal 500 so that the buyer terminal So that the goods can be delivered to the address of the customer (100).

The first transmission unit 330 transmits the goods included in the received purchase agency request event to at least one shopping mall server 400 or at least one merchant terminal 500, And transmits an item purchase request event for purchasing the goods. Here, the settlement agency request event may include an event of making payment to the integrated purchase settlement agent service providing server 300 as the unique settlement means of the buyer terminal 100. [ The unique payment means of the purchaser terminal 100 may be a payment means based on the simple settlement service previously registered by the purchaser of the purchaser terminal 100. [

The payment unit 340 can pay the commodity to at least one shopping mall server 400 or at least one merchant terminal 500.

The second transmitter 350 may transmit the data of the buyer terminal 100 included in the purchase agency request event to at least one shopping mall server 400. [ Here, if the purchase agency request event is a purchase agency request event for online goods, the goods purchase request event is transmitted to at least one shopping mall server 400, and the payment corresponding to the payment agent request event is transmitted to at least one shopping mall server 400. [ (400). If the purchase agency request event is a purchase agency request event for an offline commodity, the goods purchase request event is transmitted to at least one merchant terminal (500), and payment corresponding to the payment agent request event And at least one merchant terminal (500).

The lowest price search unit 360 searches for the same article as the article included in the purchase agency request event after receiving the purchase agency request event from the buyer terminal 100, sorts the searched articles by price, It is possible to compare the lowest price of the same article with the price of the article from which the purchasing agency request event is received from the purchaser terminal 100. [ Then, the lowest price searching unit 360 can check whether the lowest priced article is to be purchased from the purchaser terminal 100 when the lowest priced article among the same ordered articles is low as a result of the comparison, When receiving the lowest-priced article purchase request from the server 100, the payment process can be performed with the lowest-priced article.

The settlement unit 370 can confirm the price of the article in which the settlement agency request event is generated after the step of receiving the settlement agency request event for the article in which the purchase agency request event is generated from the buyer terminal 100. [ The settlement unit 370 can scan the purchaser terminal 100 of at least one unique payment means to output the extracted unique payment means to be displayed in the order of priority, and can output any one of the at least one unique payment means A unique payment means can be selected from the purchaser terminal 100 and the authentication number of the selected unique payment means can be received and the purchaser terminal 100 can be received by at least one payment server 600 corresponding to the unique payment means, And the authentication number of the user. Then, the settlement unit 370 can request approval of the data and the authentication number transmitted to at least one payment server 600.

In addition, when the settlement approval of the received settlement request event occurs, the integrated purchase settlement service providing server 300 transmits the goods included in the received purchase request request event to at least one shopping mall server 400 or at least one When proceeding with the step of transmitting an item purchase request event for purchasing goods by accessing to the merchant terminal 500, if the address where the goods are displayed is included in the purchase agency request event, the screen data of the mobile terminal is read, The buyer terminal 100 may extract the screen data including the address of the screen data, read the type and option information of the selected item from the buyer terminal 100, and generate an item purchase request event including the type and option information.

Then, the integrated purchase settlement service providing server 300 can grasp the shopping pattern of the purchaser terminal 100 and recommend a shopping item matching the determined shopping pattern. For example, suppose that a user A likes clothes of type C and D brands. At this time, the integrated purchase settlement service providing server 300 grasps the order pattern and cycle of the A user, extracts clothes of the C type and the D brand of the B type, which is the style of the A user, Lt; / RTI > Alternatively, the integrated purchase settlement service providing server 300 may form a chat channel between the buyer terminal 100 and the shopping assist terminal (not shown), and may purchase the purchase purchase terminal 100 from the shopping assist terminal through the created chat channel You may also provide a list of items to be made.

At this time, assuming that the purchaser terminal 100 purchases the A-style clothes, the integrated purchase settlement service providing server 300 extracts designs such as A-style color, size, and pattern, . Then, it is possible to search for the clothes having the same 3D pattern and color and texture as the clothes A, and to transmit them to the purchaser terminal 100 by performing the lowest price search. For example, if you are not a branded product, you often do not have a product number, and if you do not have a product number, you should check out all patterns, designs, textures and dimensions of where you should buy the same pattern of clothing, . At this time, the buyer often finds it difficult to search, and even if it is expensive, he finds himself and purchases clothes he likes. Accordingly, the integrated purchase settlement service providing server 300 searches clothes of the same pattern and design in the buyer terminal 100, arranges the searched clothes in the price order, and transmits them to the buyer terminal 100, It can provide an opportunity to purchase at a low price.

The integrated purchase settlement service providing server 300 may share the shopping list purchased from the buyer terminal 100 with an application page, a web page and an application linked to the integrated purchase settlement service providing server 300, And upload the page to share with the social network of the buyer terminal 100. Here, the integrated purchase settlement service providing server 300 attaches an image and a description page for the integrated purchase settlement service together with the shopping list purchased from the buyer terminal 100, and transmits the indirect advertisement to the friend of the buyer terminal 100 And the like.

In addition, the integrated purchase settlement service providing server 300 allows the buyer terminal 100 to recommend the article to a friend terminal (not shown). For example, when a recommendable product is recommended from a buyer terminal 100 to a friend and the recommended product is purchased through the integrated purchase settlement service providing server 300 at a friend terminal, So that it can be accumulated.

An embodiment of the integrated purchase settlement service executed in the integrated purchase settlement service providing server 400 having the above-described configuration will be described with reference to FIG.

Referring to FIG. 3, it is assumed that (a) the buyer terminal 100 performs the lowest price search to purchase the A notebook. At this time, as a result of searching for the lowest price from the buyer terminal 100, (b) Y is the lowest price, and thus the purchase and payment for the A notebook can be transmitted to the integrated purchase and payment agency service providing server 300. Alternatively, there may be a user who is unfamiliar with the Internet order, that is, the buyer terminal 100 can not search for, buy and pay for the A notebook PC. Therefore, the integrated purchase settlement service providing server 300 may be a buyer terminal 100, it is possible to perform the lowest price search through the product name or the product image, and then transmit the result to the buyer terminal 100 to perform the purchase and settlement agency.

Then, (c) the integrated purchase settlement service providing server 300 can proceed through the messenger of the buyer terminal 100 to confirm and settle the goods for purchase and payment, (d) The settlement agency service providing server 300 can scan the buyer terminal 100 and read the option when the option selection is made in the buyer terminal 100. [ (E) The integrated purchase settlement service providing server 300 may be provided with at least one shopping mall server 400 or at least one merchant terminal 500 when payment approval is received from at least one payment server 600 After the settlement, the purchaser information of the purchaser terminal 100 can be transmitted.

When the settlement result is received from at least one shopping mall server 400 or at least one merchant terminal 500, the integrated purchasing settlement service providing server 300 transmits the settlement result to the purchaser terminal 100 A notification message can be transmitted. Accordingly, the user can log in to search for the lowest price, enter information for ordering, subscribe to a member, execute ACTIVE X for payment, download an authorized certificate, input a card number, or check shipping information The user can perform both the ordering and the payment by carrying out only the two processes of inputting the product name and the simple settlement. In addition, the purchaser terminal 100 does not need to subscribe to all the sites selling his / her desired goods, and does not have to subscribe all of the desired payment means in the site. In order to process the order and delivery, Because you do not have to type it in, you can streamline online ordering and settlement, allowing people who have struggled with online orders to get into your customers, and online orders can be activated accordingly.

The unified purchase purchase settlement service providing method of FIG. 2 and FIG. 3 is not explained in the preceding description with reference to FIG. 1, So that the description will be omitted.

4 is a diagram illustrating a process in which data is transmitted and received between the respective components included in the integrated purchase payment settlement service providing system of FIG. 1 according to an embodiment of the present invention. Hereinafter, an example of the driving process of each of the configurations will be described with reference to FIG. 4. However, the present invention is not limited to such an embodiment, and the process of transmitting and receiving data shown in FIG. 4 according to the above- It will be apparent to those skilled in the art that changes may be made.

Referring to FIG. 4, the purchaser terminal 100 performs an article search (S4100), and transmits a purchase and settlement request to the integrated purchase settlement service providing server 300 (S4200).

Then, the integrated purchase settlement service providing server 300 can perform the lowest price search (S4300), and can transmit a query to the buyer terminal 100 as to whether or not to proceed the order at the corresponding price (S4400) .

At this time, the integrated purchase payment settlement service providing server 300 receives the approval for the lowest price search from the buyer terminal 100 (S4410) and transmits the approval to the at least one shopping mall server 400 or the at least one merchant terminal 500 After the inventory check (S4420), if there is stock (S4430), the payment window is transmitted to the buyer terminal 100 (S4440).

The purchaser terminal 100 selects the unique payment means (S4500), proceeds with the selected unique payment means (S4600), and requests payment to the integrated purchase settlement service providing server 300 (S4700).

Then, the integrated purchase payment settlement service providing server 300 transmits a settlement request to at least one settlement server 600 (S4800), and when settlement approval is generated from at least one settlement server 600 (S4810) , The integrated purchase settlement service providing server 300 requests the at least one shopping mall server 400 or at least one merchant terminal 500 for ordering and settlement in operation S4830.

Here, when the order and payment are completed (S4850), the integrated purchase settlement service providing server 300 transmits the order and payment result to the buyer terminal 100 (S4870), and transmits the at least one shopping mall server 400 (S4900). If a response is received (S4910), the delivery status is transmitted to the buyer terminal 100 (S4930).

The order between the above-described steps S4100 to S4930 is only an example, but is not limited thereto. That is, the order among the above-described steps S4100 to S4930 may be mutually varied, and some of the steps may be executed or deleted at the same time.

The unified purchase purchase settlement service providing method of FIG. 4 is not explained in the description of FIG. 1 through FIG. 4, but can be easily deduced from the same or described contents of the method of providing the integrated purchase settlement service. So that the description will be omitted.

5 is a flowchart illustrating an integrated purchase settlement service providing method according to an embodiment of the present invention. Referring to FIG. 5, the integrated purchase settlement service providing server receives a purchase agency request event from the buyer terminal (S5100). Then, the integrated purchase settlement service providing server receives a settlement request event for the article in which the purchase agency request event is generated from the buyer terminal (S5200).

Here, when the payment approval of the received payment agent request event occurs, the integrated purchase agent payment service providing server connects the goods included in the received purchase agent request event to at least one shopping mall server or at least one merchant terminal, An item purchase request event for purchase is transmitted (S5300).

Then, the integrated purchase settlement service providing server pays the commodity to at least one shopping mall server or at least one merchant terminal (S5400).

Finally, the integrated purchase payment agency service providing server transmits data of the buyer terminal included in the purchase agency request event to at least one shopping mall server (S5500).

The method of providing an integrated purchase settlement service according to the embodiment described with reference to FIG. 5 may also be implemented in the form of a recording medium including instructions executable by a computer, such as an application executed by a computer or a program module . Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer-readable medium can include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Communication media typically includes any information delivery media, including computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave, or other transport mechanism.

The method of providing an integrated purchase settlement service according to an embodiment of the present invention may be executed by an application installed in a terminal (which may include a program included in a platform or an operating system basically installed in the terminal) And may be executed by an application (that is, a program) directly installed on a master terminal by a user through an application providing server such as an application store server, an application, or a web server associated with the service. In this regard, the method of providing an integrated purchase settlement service according to an embodiment of the present invention is basically installed in a terminal or implemented as an application (i.e., a program) directly installed by a user and can be read by a computer And can be recorded on the recording medium.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

Claims (7)

A method for providing an integrated purchase settlement service, which is executed in an integrated purchase settlement service providing server,
Receiving a purchase agency request event from a buyer terminal;
Receiving a payment agency request event for the article from which the purchase agency request event was generated from the buyer terminal;
When a settlement approval of the received payment agent request event occurs, connecting the goods included in the received purchase agent request event to at least one shopping mall server or at least one merchant terminal, Transmitting;
Paying the goods to the at least one shopping mall server or at least one merchant terminal; And
Transmitting data of a buyer terminal included in the purchase request event to the at least one shopping mall server;
Lt; / RTI >
Wherein the settlement agency request event includes an event to be paid to the integrated purchase settlement agent service providing server by the unique settlement means of the buyer terminal.
The method according to claim 1,
Wherein the unique payment means of the buyer terminal is a payment means based on the simple settlement service previously registered by the buyer of the buyer terminal.
The method according to claim 1,
Wherein the purchase order request event is transmitted to the at least one shopping mall server when the purchase agency request event is a purchase agent request event for an online article and the payment corresponding to the payment agent request event is transmitted to the at least one shopping mall server Lt; / RTI >
When the purchase purchase request event is a purchase agent request event for an offline commodity, the goods purchase request event is transmitted to the at least one merchant terminal, and payment corresponding to the payment agent request event is transmitted to the at least one merchant terminal Wherein the method comprises the steps of:
The method according to claim 1,
The purchase agency request event or payment agent request event is received through a web page, an app page, or an application provided or associated with the integrated purchase settlement agent service providing server,
Wherein the application includes a messenger application, and the purchase agent request event or payment agent request event is transmitted through a chat screen of the instant messenger application.
The method according to claim 1,
After receiving the purchase agency request event from the buyer terminal,
Retrieving the same article as the article included in the purchase request event;
Sorting the searched articles by price;
Comparing the lowest priced article among the ordered articles and the price of the article from which the purchasing agency request event is received from the purchaser terminal;
Confirming whether or not to buy the lowest price article to the buyer terminal when the price of the lowest priced article among the ordered articles is low as a result of the comparison;
If it is determined that the lowest price purchase request is received from the purchaser terminal,
Further comprising the steps of:
The method of claim 1, wherein
After receiving the settlement request event for the article in which the purchase agency request event is generated from the buyer terminal,
Confirming a price of the article in which the settlement request event is generated;
Scanning the buyer terminal among at least one unique payment means and outputting the extracted unique payment means to be displayed in a priority order;
Receiving from the buyer terminal any unique payment means among the at least one unique payment means;
Receiving an authentication number of the selected unique payment means;
Transmitting data and an authentication number of the purchaser terminal to at least one payment server corresponding to the unique payment means;
Requesting approval of the transmitted data and the authentication number to the at least one payment server
Further comprising the steps of:
The method according to claim 1,
When a settlement approval of the received payment agent request event occurs, connecting the goods included in the received purchase agent request event to at least one shopping mall server or at least one merchant terminal, The transmitting step includes:
Reading the screen data of the mobile terminal if the address of the article is included in the purchase agency request event;
Extracting screen data including the address among the read screen data;
Reading the type and option information of the selected item from the buyer terminal;
Generating an item purchase requisition event including the type and option information;
The method comprising the steps of:

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