METHOD FOR IMMEDIATE PAYMENT

• Main Authors: PARK, CHOONG YOUNG, LEE, KANG MIN
• Format: Patent
• Language: English; Korean
• Published: 18.04.2016
• Subjects: CALCULATING; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

The present invention relates to a method for an immediate payment for online venders based on electronic commerce, the method capable of immediately performing payment to a product provider or seller by taking a sales revenue as security. The method comprises the steps of: receiving payment approval complete information according to product sale from a payment gateway (PG) server; requesting an affiliated financial company server to loan an account of a product provider a product sales amount, which is a product by deducting a contracted fee from a payment approval-completed product sales amount; receiving, from the PG server, information indicating completion of depositing the payment approval- completed product sales amount in an account of a shopping mall operator after a predetermined period; and requesting the affiliated financial company server to repay a part of the product sales amount deposited in the account of the shopping mall operator to a loan amount loaned to the account of the product provider after a predetermined period. 본 발명은 전자상거래를 기반으로 한 온라인 벤더용 즉시 결제 서비스 방법에 관한 것으로, 결제대행사 서버로부터 상품판매에 따른 결제승인 완료정보를 수신받는 단계와, 결제승인완료된 상품판매금액에서 약정 수수료 공제된 상품판매금액을 상품 공급자의 계좌로 대출해 줄 것을 제휴 금융기관 서버로 요청하는 단계와, 일정기간 경과 후 쇼핑몰 운영자의 계좌로 상기 결제승인완료된 상품판매금액의 입금완료를 지시하는 정보를 상기 결제대행사 서버로부터 수신받는 단계와, 일정기간 경과 후 상기 쇼핑몰 운영자의 계좌로 입금된 상품판매금액의 일부로 상기 상품 공급자의 계좌로 대출해 준 대출금의 상환을 제휴 금융기관 서버로 요청하는 단계를 포함함을 특징으로 한다.