ELECTRONIC PAYMENT SYSTEM AND METHOD SUITABLE FOR OTT ENVIRONMENT

Abstract

The present disclosure relates to a payment system and method using a real-name account of a seller, the system and method being expanded from universal payment gateway (PG) platforms to the over the top (OTT) platform market and, more specifically, a payment system and method in which a payment exclusive account (hereinafter, payment account) opened in the real-name of a seller is used by default so that, in non-face-to-face electronic commerce, transactions may be conducted in real-time through live broadcasts between a plurality of unspecified sellers and a plurality of unspecified buyers at home and abroad, thereby enabling convenient, speedy, and safe processing with reduced processing costs.

Claims

1. An electronic payment method for e-commerce between a plurality of unspecified buyers and a plurality of unspecified sellers suitable for an OTT environment, the method comprising: receiving information related to payment of purchase amount through a payment module of a buyer terminal by a payment connection module system; notifying a contracted banking system managing a seller's payment account of information related to payment through a dedicated financial network by the payment connection module system; receiving a result of transferring the payment amount to the payment account in the seller's name, which is an account in a business operator's real-name and managed by the contracted banking system, by the payment connection module system from a financial institution system including a bank and a card issuing company connected to a buyer by the contracted banking system according to payment request information of the buyer; receiving a transfer result by the payment connection module system and notifying a seller system and/or a buyer terminal of the result; and notifying the contracted banking system of whether delivery and so on have been normally terminated by the payment connection module system so that the contracted banking system instantly settles a payment amount transferred to the payment account in real-time or according to an agreement in units of transactions for each seller and transfers the payment amount to a designated account of each seller.

2. The method of claim 1, wherein the payment account is an account specially stipulated in the seller's real name, and transfer rights for depositing and withdrawing payment amount to and from the payment account are used only by a contracted bank.

3. The method of claim 1, wherein payment amount transferred to the payment account is transferred from a buyer's account or transferred from the corresponding financial institution such as a card issuing company, a lender, or a financial company selected as a payment means by the buyer according to contracted conditions.

4. The method of claim 1, further comprising receiving, by the payment connection module system, real-time video contents provided from a seller system and providing the received contents to a buyer terminal through a streaming method so that the contents of a product or a service are viewed on a real-time video through the buyer terminal.

5. The method of claim 4, wherein the payment connection module system receives the real-time video contents from a seller system, stores the received contents in a database, and provides recorded video contents to a buyer terminal according to broadcast program schedule.

6. The method of claim 1, wherein a method for instantly settling and paying a purchase amount deposited to the payment account at a variable price for each seller is performed when payment is made in a post-payment scheme.

7. The method of claim 1, wherein the settling method for each seller is performed instantly by a computing system of the contracted banking system.

8. The method of claim 1, wherein, among payment related information received by the payment connection module system from the buyer terminal, major information including the buyer's financial information is not stored in the payment connection module system, and the contracted banking system in connection with the corresponding financial institution system processes the information to handle payment and authentication tasks.

9. The method of claim 1, wherein the seller system transmits video contents to the payment connection module system to a smartphone and manages information related to delivery and payment.

10. The method of claim 1, further comprising settling and transferring payment amount for each seller, each payment connection module system operator, and each courier company operator by the contracted banking system.

11. In an electronic payment method for e-commerce between a plurality of unspecified buyers and a plurality of unspecified sellers suitable for an OTT environment, a payment connection module system comprising: an Internet interface unit being connected to a buyer terminal, a seller system, and a courier company system through the Internet and transmitting and receiving information related to payment and video contents; a payment connection task processing unit processing the information related to payment; a broadcast receiving unit receiving video contents transmitted from the seller system and broadcast streaming unit streaming the received video contents to a buyer terminal; a database management unit storing and managing information except for major financial information among the payment task processing information; a payment connection module system configured to include a dedicated financial network interface unit for accessing the payment connection module system and the contracted banking system for the payment task processing; and an electronic payment system comprising a contracted banking system processing buyer authentication in connection with the corresponding financial institution system of the buyer according to payment-related information received from the payment connection module system and processing a task for transferring the buyer's payment amount to a payment account in the seller's name, which is an account in a business operator's real name and managed by the contracted banking system, from a financial institution system including a buyer's bank and a card issuing company.

12. The system of claim 11, wherein the payment account is an account specially stipulated in the seller's real name, and transfer rights for depositing and withdrawing payment amount to and from the payment account are used only by a contracted bank.

13. The system of claim 11, wherein the payment connection module system further includes an overseas payment connection daemon module for processing an international payment task by being connected with a payment connection module system operated abroad.

14. The system of claim 11, wherein video contents received from a seller system are transmitted to a buyer terminal in the form of a live broadcast, a recorded broadcast, or an image.

15. The system of claim 11, wherein the contracted banking system is configured to include a financial information protection processing module connected with a payment connection module system through a dedicated financial network to protect and manage financial information of a buyer and to process a payment-related task; a payment amount guarantee processing module for managing tasks including authentication, payment amount guarantee, transaction connection processing, and transaction settlement in relation to seller payment account management and payment; and a database unit storing and managing a payment account.

16. The system of claim 11, wherein the contracted banking system transfers purchase amount to a seller's payment account from the corresponding financial institution system connected with a buyer according to payment information of the buyer requested by the payment connection module system or processes a related task by transferring purchase amount according to contracted conditions.

17. The method of claim 2, wherein payment amount transferred to the payment account is transferred from a buyer's account or transferred from the corresponding financial institution such as a card issuing company, a lender, or a financial company selected as a payment means by the buyer according to contracted conditions.

18. The system of claim 12, wherein the payment connection module system further includes an overseas payment connection daemon module for processing an international payment task by being connected with a payment connection module system operated abroad.

19. The system of claim 12, wherein the contracted banking system is configured to include a financial information protection processing module connected with a payment connection module system through a dedicated financial network to protect and manage financial information of a buyer and to process a payment-related task; a payment amount guarantee processing module for managing tasks including authentication, payment amount guarantee, transaction connection processing, and transaction settlement in relation to seller payment account management and payment; and a database unit storing and managing a payment account.

20. The system of claim 12, wherein the contracted banking system transfers purchase amount to a seller's payment account from the corresponding financial institution system connected with a buyer according to payment information of the buyer requested by the payment connection module system or processes a related task by transferring purchase amount according to contracted conditions.

Description

DESCRIPTION OF DRAWINGS

[0078] FIG. 1 is a drawing referenced in relation to the introduction of the PSD2 financial policy of the Korea Financial Services Commission according to one embodiment of the present disclosure.

[0079] FIG. 2 is a drawing referenced to illustrate the overall structure and workflow of a payment system in which the “payment connection module” of the PA company operates the buyer, the seller, and the contracted bank in conjunction with each other.

[0080] FIG. 3 is a drawing referenced to illustrate a method for operating a payment system viewed from the software point of view, which expresses a flow of signals controlling the entire system by the “payment connection module” of the PA company according to one embodiment of the present disclosure.

[0081] FIG. 4 is a structural block diagram of a payment connection module system according to one embodiment of the present disclosure.

[0082] FIG. 5 is a drawing referenced to illustrate a software process of a payment system according to one embodiment of the present disclosure, in which the seller provides contents through the “payment connection module,” a buyer terminal watches the corresponding information, and the “payment connection module” responds to a payment request from the buyer and processes the payment request.

[0083] FIG. 6 is a drawing referenced to illustrate a software process of a payment system according to one embodiment of the present disclosure, in which, if the buyer inputs financial information through the buyer terminal to protect the buyer's personal information, the “payment connection module” responds to the input and requests the “payment account” management system of the “contracted bank” internal system to manage and protect the financial information including key information related to transactions through the “contracted bank” external system.

[0084] FIG. 7 is a drawing referenced to illustrate a software process of a payment system according to one embodiment of the present disclosure, in which the buyer terminal receives a payment request for product purchase from the “payment connection module,” requests the “contracted bank” to secure purchase amount of the buyer, transfer the purchase amount to the seller's “payment account,” and process authentication, and receives information on the processing result.

[0085] FIG. 8 is a drawing referenced to illustrate a specific process of a payment system according to one embodiment of the present disclosure, which receives information on settlement including delivery-related information from the seller or the buyer's refund request from the buyer terminal through the “payment connection module” and requests the “contracted bank” to perform a procedure for settlement or refund.

[0086] FIG. 9 is a drawing referenced to illustrate a specific process of a payment system according to one embodiment of the present disclosure, in which the “contracted bank” settles or refunds each commission and purchase amount simultaneously.

MODE FOR DISCLOSURE

[0087] In what follows, the present disclosure will be described in more detail with reference to appended drawings.

[0088] FIG. 1 is a drawing referenced to illustrate a policy proposed by the government in relation to the introduction of the PSD2 financial policy by the Korean Financial Services Commission according to one embodiment of the present disclosure, which dualizes the operation policies of the “third-party payment service providers (TPPs)” by existing PG companies into “payment initiation service provider (PISP): MyPayment” and “account initiation service provider (AISP): MyData” to be contemporary with the current business, thereby illustrating that the policy is consistent with the present disclosure.

[0089] FIG. 2 is a drawing referenced to illustrate the overall workflow of a payment system in which the “payment connection module” of the PA company operates the buyer, the seller, and the contracted bank in conjunction with each other; if the model shown in FIG. 2 is serviced in other countries, technical stability following international financial laws may be achieved, and payment may be performed with a general card that does not require a Visa/Master card. The figure shows a standard workflow designed to enable domestic and international processing of various types of payments, such as cash, account transfer, and loan.

[0090] FIGS. 3 and 4 show a payment system and a software process according to one embodiment of the present disclosure.

[0091] Referring to FIGS. 3 and 4, the payment connection module system 300 of a PA company according to the present disclosure is a payment platform configured to enable non-face-to-face product or service transactions by relaying a buyer terminal 200, a seller system 100, a courier system 500, a contracted banking system 400, and the corresponding financial institution 600, the basic configuration of which comprises a buyer terminal, a seller system, an Internet interface unit 351, 359, 380 transmitting and receiving information to and from a courier system through the Internet, a broadcast receiving unit 360 for receiving and processing shopping contents from the seller system, and a broadcast streaming unit 390 for streaming and supplying the shopping contents to the buyer terminal.

[0092] Also, the payment connection module system of a PA company further includes a payment connection task processing unit 370 processing various pieces of information related to transactions and payment received from the buyer terminal, a database management unit 340 storing and managing shopping contents and transaction payment information, a dedicated socket financial network 350 for transmitting and receiving information to and from a banking system.

[0093] To describe a process performed by the payment connection module system 300,

[0094] The process comprises receiving a shopping contents video provided by the seller system 100 and streaming the received video to the buyer terminal; receiving, by the payment connection module system 100, information related to payment for the purchase of a product or a service to be ordered by the buyer through a payment module 250 of the buyer terminal 200;

[0095] Requesting information related to the buyer's request among the input information, such as an account transfer of the buyer, from the contracted banking system 400 by the payment connection module system 300;

[0096] Requesting the buyer's corresponding financial institution system 600 to perform account transfer according to the account transfer request information by the contracted banking system 400 and receiving a notification about the result that the purchase amount has been transferred to the payment account in the seller's name managed by the contracted banking system 400;

[0097] Receiving a notification about the transfer result by the payment connection module system 300 and notifying the seller system 100 and/or the buyer terminal 200 of the transfer result; and

[0098] Notifying the contracted banking system 400 of the information on the transaction indicating whether the transaction has been normally terminated, such as delivery, return, or refund occurred during a product transaction so that the contracted banking system 400 settles the purchase amount transferred to the payment account and transfers the purchase amount to the seller's designated account.

[0099] While the process is performed, the payment connection module system 300 only relays the financial information required for a buyer to perform membership registration, payment, and authentication to the contracted banking system 400 for processing of the information, where the financial information is not stored in the payment connection module system 300 but managed only by a banking system for processing of authentication and payment required for transactions.

[0100] A buyer who purchases a product or a service may receive a “seller service” video through the “buyer terminal” 200 in real-time through the payment connection module system 300 and may watch the video as a real-time live broadcast video. When the buyer purchases a product or a service and requests payment by selecting one of the various methods such as account transfer, card, or loan through the “payment module” 250 displayed on the “buyer terminal” 200, the “payment connection module system” 300 may respond to the request and request the “contracted banking system” 400 to pay the purchase amount.

[0101] In the present disclosure, post-payment using the seller's payment account (PEA {Public/Private}) is by default performed for the buyer's payment of the purchase amount. Since the existing PG uses a pre-payment plan, it is inherently different from the seller's payment account, which employs a post-payment plan. The difference between the pre-payment and post-payment plan is that in the case of pre-payment, the buyer's purchase amount is transferred immediately from the buyer's account to the account of a third-party PG company regardless of whether a purchased product is delivered; thus, the corresponding non-face-to-face transaction transitions to the “transaction end” state.

[0102] At this time, since “transaction end” occurs in the non-face-to-face transaction, if the seller requests settlement even before the buyer receives an ordered product, settlement may be performed on the purchase amount, and the corresponding transaction is treated as a normal transaction according to the settlement even if the purchase amount is given to the seller.

[0103] In particular, in the case of payment using a credit card, which accounts for a significant portion of payment cases, the seller's request for settlement is very high, or the request is made quite early; therefore, in the occurrence of a return or refund request after a transaction is over, settlement becomes a complicated issue, and a considerable time may be needed, or a related procedure becomes complicated until the purchase amount is refunded to the buyer, or the purchase amount is settled again for the seller.

[0104] However, according to the present disclosure, when the buyer's purchase amount is transferred to the seller's payment account, one of the parties participating in the corresponding transaction holds the purchase amount, the non-face-to-face transaction transitions to the “transaction in progress” state, and only when the buyer receives the corresponding product and provides “product confirmation” information to the seller or an automatic payment period specified in the e-commerce act expires, the non-face-to-face transaction transitions to the “transaction end” state; therefore, since the seller is unable to request settlement in the “transaction in progress,” post-payment is performed, in which the purchase amount is not paid to the seller, and only after the transaction is completed, the purchase amount is transferred to the seller through settlement.

[0105] Therefore, it is possible to fundamentally prevent problems such as purchase cancellation due to false advertisements, out-of-stock, and stolen goods; refunds, breakage income, credit card discounts, and phone fraud in the existing pre-payment method. Here, the seller's payment account is created in the seller's name, which is a payment-only account storing the purchase amount to be paid to the seller; the seller's payment account may be operated separately for domestic sellers and overseas sellers (a service technology to deal with a case where a foreign seller wants to sell a service in the domestic market). Meanwhile, the seller's payment account may be opened using a method similar to that used for creating a corporate or business account offline in a general bank.

[0106] When a buyer selects a product through e-commerce and requests a transfer of the purchase amount through a payment module, the purchase amount is transferred from the buyer's account to the seller's payment account. When a contract date is reached, or the seller's request for settlement is received after the final transaction confirmation is received from the buyer, the purchase amount transferred to the payment account is settled in real-time or instantly using an operation method run by the bank's computer system; the respective commissions are transferred to the PA company and the contracted bank, and an amount obtained after subtracting a commission from the purchase amount is transferred to the designated business account of the seller.

[0107] However, because the purchase amount is transferred to and protected in a special payment account devised not to allow withdrawal of the purchase amount until a normal settlement is confirmed, the account provides security better than other payment solutions and is built on a structure capable of processing “instant settlement” or “real-time settlement” that the existing PG companies absolutely may not process.

[0108] For the creation and management of the buyer payment account, the “contracted bank internal system” 420 is composed of a payment account management system 490 and a payment account processing system 430, where the “payment account management system” 490 performs a seller payment account management task in conjunction with the bank's basic account management system or escrow system.

[0109] The “payment account processing system” 430 is composed of two modules, the first of which is a “financial information protection processing module” 450, performing a task by being composed of two means of “financial/payment information gathering execution daemon” 451 and “financial information protection management module” 45.

[0110] The “financial/payment information gathering execution daemon” 451 is a daemon function, which is a processor with a function of checking whether a buyer has requested to input, store, change, or search for the buyer's financial information: for example, personal information QR code, resident registration number, passport information, i-PIN information, account information, account password information, credit card information, credit card password information, and other information. The financial information protection management module 459 is a module for protecting and managing the financial information of the buyer for financial information protection according to the request of the “financial/payment information gathering execution daemon” 451.

[0111] The existing PG companies manage essential information such as buyers' financial information by applying the PG companies' proprietary security solutions; however, it may not be denied that the PG companies'security solutions are relatively more exposed to hacking than financial institutions.

[0112] On the other hand, since PA companies manage, through the system above, buyer personal information (name, phone number, address, email, and so on), purchase information (product name, product code, product information, warranty, and so on), transaction information (delivery, settlement, refund, reservation, suspension, and so on), and payment information (payment form, pre-payment, cash on delivery, post-payment, mixed payment, combined payment, and so on) only and do not hold the financial information of the buyer while only the contracted bank holds and manages the buyer's financial information, it may be considered that the proposed method is more secure than the information protection solutions of the existing PG companies.

[0113] The proposed method is a financial technology optimized for the policy promoted by the Financial Services Commission shown in FIG. 1 and forms the core of information dualization that manages transaction information and financial information separately, which is a new service method for protecting the financial information of buyers, not provided in a transaction through existing PG companies.

[0114] The second module constituting the payment account processing system 430 of the contracted bank internal system 420 is a “payment price guarantee (PPG) processing module” 470, which is configured to perform a total of five processes: “transaction authentication/comparison/confirmation management module” 471, “payment price guarantee (PPG) management module” 473, “transaction connection processing information management module” 475, “transaction settlement/refund/reservation/suspension management module” 477, “seller payment account management module” 479.

[0115] To describe each function in detail, first, the “transaction connection processing information management module” 475 performs a function of gathering personal information, purchase information, transaction information, and payment information received by the “payment connection module system” 300 through the “payment module” 250 of a buyer terminal from the contracted bank external system 410.

[0116] And the “transaction authentication/comparison/confirmation management module” 471 performs a function of managing comparison for verification of authentication information of a seller and transaction information and responding to a request by confirming the information, and a function of providing information on a purchase amount processing result in conjunction with the “payment price guarantee management module” 473. Here, the “payment price guarantee management module” 473 stores transaction guarantees that play the same role as domestic accredited certificates; since foreigners may also perform the role of a seller once they hold a payment account agreed with a contracted bank, the present disclosure solves the problem that existing PG companies are unable to solve, where foreigners and foreign companies may not perform the role of a seller.

[0117] The “transaction settlement/refund/reservation/suspension management module” 477 performs a function related to settlement/refund/reservation/suspension, such as distributing a buyer's purchase amount by transferring the purchase amount over to the designated accounts of a PA company, a contracted bank, and a seller according to the contract by the settlement made upon completion of the corresponding transaction, and the “seller payment account management module” 479 performs a function of providing information related to the seller's payment account requested by the “payment connection module system” 300 in connection with the “payment account management system” 490.

[0118] The “payment account management system” 490 performs a function for management after opening a payment account in the seller's name. The seller's payment account is opened by a business registration certificate, a corporate account, an agreement of a contracted bank, or an agreement of a PA company; the payment account refers to a specific account that holds a buyer's purchase amount, from which deposits and withdrawals are made according to the instructions of the contracted bank and which is managed in conjunction with the “payment connection module system” 300 of the PA company.

[0119] Therefore, the present disclosure uses a method in which a buyer or a seller, who is the main entity of a transaction, holds the purchase amount rather than the purchase amount retention method employed by existing third-party PG companies and features a technical solution that is safe, legal, and capable of international transactions.

[0120] When a buyer makes a payment request to the payment connection module system 300 through a payment module of the buyer terminal 200, the payment connection module system 300 transfers the purchase amount to a payment account by referencing the payment information requested by the buyer.

[0121] At this time, the purchase amount is separately transferred to the payment account for each transaction, and the “payment connection module system” 300 responds to the transfer action upon approval of the request from the buyer, notifies the “contracted banking system” 400 of the transfer action, and thus act as the contracted banking system 400.

[0122] The purchase amount transferred to the seller's payment account may be transferred to the seller only when conditions for a normal transaction between the buyer and the seller are satisfied. In the event of a notification that a transaction has not been normally made due to refund or cancellation, the payment amount will be automatically transferred back to the buyer's account. The condition for a transaction to be made is that the contracted banking system receives a request for the information related to the establishment of a transaction from the PA company's “payment connection module system” 300, and the “transaction/settlement/refund/reservation/suspension management module” 477 of the “contracted banking system” 400 proceeds with a related process.

[0123] As described above, the present disclosure provides a transaction protection method that enables a secure transaction for any kind of transactions such as P2P, B2C, B2B, B2G, and G2G, which are non-face-to-face e-commerce models for a transaction between the buyer and the seller.

[0124] FIGS. 5 to 9 are drawings referenced to illustrate a specific process of a payment system according to one embodiment of the present disclosure.

[0125] Referring to FIG. 5, a payment processing system according to the present disclosure may use a technology that communicates all of information through a web-browser and a mobile app. The broadcast receiving unit 360 of the “payment connection module system” 300 receives “real-time shopping contents” S100 from the “seller system” 100, the broadcast streaming unit 390 performs “relay processing” S120, and the payment processing system provides a service allowing a buyer to watch a real-time, live shopping program on the screen of the buyer terminal.

[0126] Also, when “payment” S170 is performed to purchase a product through the payment module 200 of the buyer terminal while the buyer is watching a live shopping program, main information related to the purchase is “communicated” S180 after being encrypted.

[0127] In this case, as a data security processing method for communication, the Advanced Encryption Standard (AES) technique may be used as a default method.

[0128] The method above is a central control technique for controlling broadcasters such as viewers, who correspond to a plurality of unspecified buyers, and a plurality of unspecified sellers and uses a Peer for Peer (P4P) method which is a new technology that supplements the problems of the Peer to Peer (P2P) method.

[0129] Referring to FIG. 6, in the information protection and authentication process of the authentication process for a buyer, the “payment connection module system” 300 of a PA company responds S310 to the buyer's financial information from a payment module of the buyer terminal 200 and requests the contracted banking system for protection through the external connection system 410 of the “contracted banking system” 400 and a dedicated financial network S150, S170.

[0130] Next, after the “financial information protection (FIP) processing module” 450 requests S190 the “connection system” of the “corresponding financial institution” 600 including another bank, a card company, or a financial company to confirm the financial information such as the buyer's credit card and personal information used when opening an account, a validation result of the information is received, and the payment connection module system 300 receives an authentication result for the buyer through socket communication using a dedicated financial network.

[0131] Instead of using a separate buyer authentication method performed during payment through the existing PG company, the process above may perform buyer authentication after checking the buyer's financial information through a security system of a financial institution; thus, payment is made easy, and anyone may perform payment through authentication of the present disclosure once a bank account is available regardless of whether the buyer is a citizen or a foreigner.

[0132] In the process of transferring a purchase amount in FIG. 7, the “payment connection module system” 300 receives a payment request S110 through the buyer terminal and requests a transfer to a payment account through the “contracted banking system” 400 and the “dedicated socket module” S150 via the “payment connection task processing unit” 370 in connection with the database management unit 340.

[0133] Next, the payment connection module system 300 receives a payment request through the “payment connection module dedicated socket” of the contracted bank external system 410 S170 and requests the “connection system” of the “corresponding institution” 600, such as another bank, a financial institution, or a card issuing company to perform a transfer of a payment amount due to the payment request S190 of the buyer through the “payment price guarantee (PPG) processing module” 470.

[0134] The transferred purchase amount is stored in the “seller's payment account” registered in the contracted bank, and the result of processing the purchase amount is notified to the “payment connection module system” 300 through a dedicated financial network of the contracted bank external system 410.

[0135] The payment connection module system 300 receives the result of processing a purchase amount by the contracted bank and notifies the result of processing the purchase amount to a transfer/delivery management service of the “seller system” 500.

[0136] Referring to the process related to delivery and settlement with reference to FIG. 8,

[0137] The payment connection module system 300 receives information related to settlement and delivery from the seller system 100, stores the received information in the “database management unit” 340 of the “payment connection module system” 300, and requests settlement/refund using a dedicated financial network of the contracted bank connected to a PA company through the “payment connection task processing unit” 370.

[0138] A response is received from the “contracted banking system” 400 through a dedicated financial network and is stored in the database of the contracted bank external system S190; the “transaction connection processing information management module” 475 of the contracted bank internal system collects information, determines the appropriateness of a request, and processes a task in the “transaction settlement/refund/reservation/suspension management module” 477, and then transmits a settlement/refund result to the payment connection module system through the dedicated financial network.

[0139] The “payment connection module system” 300 stores the settlement/refund result in the “database management unit” and transmits the result to the buyer and the seller system.

[0140] Referring to FIG. 9 to describe the settlement process in the final step, a settlement request is received through the “payment connection module system” 300, and the settlement process of the “contracted banking system” 400 is performed; the settlement method deals with a PA company's fee, a contracted bank's fee, a seller's purchase amount, and a buyer's refund. The settlement method may vary depending on a settlement target and an agreement made, but “simultaneous settlement” is performed by default. Since the present disclosure uses an instant settlement method that is made immediately according to a real-time settlement or a mutual agreement made in units of transactions, the settlement step and time are shortened so that the seller saves time by reducing the existing settlement steps, further reduces a commission, and obtains considerable benefits to the turnover of money, and the PA company reduces a portion of risk management costs for holding purchase amount and protection of information.

[0141] In the present disclosure, the seller system 100 may be composed of a live content providing server for live broadcasting and a settlement and delivery management server, supply images for goods or services through a smartphone, and transmit and receive data related to settlement and delivery.

[0142] The seller system 100 may transmit a product image or a simple video to the buyer terminal while operating a homepage; the payment connection module system 300 may edit the image for the seller's product in a predetermined format and transmit the edited image to the buyer terminal.

[0143] Various products may be serviced to the buyer terminal 200 in various ways, and authentication and payment may be processed in the manner described above; thus, the present disclosure may be applied usefully to various e-commerce systems and OTT environments.

[0144] The embodiments described above are merely an example for illustrating technical principles of the present disclosure, and various changes and modifications are possible from the disclosure by those skilled in the art to which the present disclosure belongs without deviating from the inherent characteristics of the present disclosure.

[0145] Therefore, it should be understood that embodiments of the present disclosure are not intended to limit the technical principles of the present disclosure but to support describing the present disclosure, and thus the technical scope of the present disclosure is not limited by the embodiments.

[0146] The technical scope of the present disclosure should be judged by the appended claims, and all of the technical principles found within the range equivalent to the technical scope of the present disclosure should be interpreted to belong thereto.