KR101584704B1 - Dutch Pay System using a Mobile Card Settlement Application and Controlling Method for the Samee - Google Patents

Abstract

In the present invention, after payment is made by a representative's credit card, personal payment information of a Dutch party to be charged at 1 / N is set in a setting menu of a mobile card payment application when a Dutch payment is executed, A mobile communication terminal equipped with a mobile card payment application for transmitting a PUSH message and receiving approval confirmation and then executing a Dutch payment function;
A credit card payment server for providing card sales history information in response to a request of a mobile card payment application of the mobile communication terminal and individually receiving settlement processing of personal payment information of Dutch payment participants for the selected Dutch payment card sales And a method of controlling the same.
In the present invention having the above-described configuration, it is not necessary to pay a plurality of purchases to be paid by a Dutch payment at the same time by using cash, but by using only a payment card of a representative through a mobile card payment application, Since the settlement process is performed in real time through the payment means of the delegatee, it is possible not only to avoid the cumbersome use of the payment means by all the participants, but also because the delegate does not have the complexity of expressing the cash, .

Description

[0001] The present invention relates to a Dutch Pay system and a control method thereof,

The present invention relates to a Dutch payment system using a mobile card payment application and a control method thereof. More particularly, the present invention relates to a mobile payment method using a mobile card payment application installed in a representative mobile communication terminal, The present invention relates to a Dutch payment system using a mobile card payment application that maximizes the convenience of the Dutch payment by dividing and processing the used amount of the card through payment information of the Dutch payment information.

As the use of credit cards has become popular in general, various researches on payment methods using credit cards are under way. In recent years, with the development of mobile communication terminals, electronic commerce and offline commerce payment methods in which a mobile communication terminal is linked to a credit card are widely used. As an example of settlement using credit cards as described above, when a meeting in which a plurality of people gather together such as a dinner party is held, a method in which each person collects the expenses required for the meeting, and one person makes settlement with his own credit card is widely used. Particularly, the Dutch pay method, which is one of the methods of collecting dues from meetings and events, is widely popularized regardless of the size of the gathering or event. Is a method of calculating each person's instant money by cash, and a method in which one of the gathered people calculates his / her own credit card and then receives a request from the other person.

Referring to FIG. 1, the conventional method of determining a Dutch payment is as follows: a first step (S100) of calculating a total cost incurred after a meeting or a ceremony; A second step (SlOl) of notifying the total cost to the delegatee participants during the first step S100 and dividing the corresponding cost into 1 / N; A third step (S102) in which the expenses divided by 1 / N during the second step (S101) are received in cash from the Dutch participants; A fourth step (S103) in which the representative who paid the 1 / N divided by the Dutch page during the third step (S102) pays the total cost to his / her credit card; And a fifth step (S104) after the fourth step (S103), in which the representative receives a bill from the credit card company divided into Dutch pays and performs settlement processing.

Meanwhile, the conventional Dutch payment method as described above will be described in more detail. First, the representative who calculates the total cost after the gathering or drinking of the members who have decided to perform the Dutch payment calculates the total cost. In this process, the delegate notifies the participants of the total cost and divides the cost into 1 / N, and informs each person of the amount to be deducted. Then, the representative receives cash divided by 1 / N from the Dutch participants, and then charges the total cost to his / her credit card. At this time, when the credit card is paid, the credit card information is transmitted to the card company server. Then, the representative receives the bill including the total cost divided by the credit card company on the credit card settlement day, and processes it.

However, in the conventional Dutch payment method as described above, if the participant of the dutch paper does not have cash, it is difficult for the dutchee to pay cash because the cash is not easily presented. In addition, Because they have to teach their bank account separately to those who have not paid for the Dutch debt, and because they have to pay a lot of money to the people who did not deposit the divided Dutch payments. there was.

Accordingly, it is an object of the present invention to provide a mobile card payment application which enables a plurality of purchasers to pay a Dutch payment, It is possible to execute the settlement processing in real time through each payment means as much as the amount of N divided by using only one. Therefore, the Dutch payment system using the mobile card payment application which can avoid the troubles of all the participants using the payment means And a control method therefor.

Yet another object of the present invention is to provide a method and system for processing a batch of dummy fees in a real-time manner by receiving payment agreement from a mobile communication terminal of a divisional claimant, The present invention provides a Dutch payment system using a mobile card payment application and a control method thereof.

In order to achieve the above-described object, the present invention sets the personal payment information of a Dutch party participant to be charged in 1 / N upon execution of a Dutch payment to a setting menu of a mobile card payment application after paying by a representative's credit card A mobile communication terminal equipped with a mobile card payment application for transmitting a payment confirmation PUSH message to a predetermined phone number of the participant to execute a Dutch payment function after receiving approval confirmation;

A credit card payment server for providing card sales history information in response to a request of a mobile card payment application of the mobile communication terminal and individually receiving settlement processing of personal payment information of Dutch payment participants for the selected Dutch payment card sales Which is a mobile card payment application.

Another feature of the first embodiment of the present invention is that a meeting representative who hosts a Dutch payee drives a mobile card payment application installed in his or her mobile communication terminal to store personal payment information, The method comprising: a first step of performing settlement with a settlement unit;

A second step of activating the mobile card payment application of the mobile communication terminal after the first step and requesting transmission of the card sales details information to the card company server of the credit card used in the Dutch page;

A third step of displaying the card sales history information received from the credit card company server on the menu screen of the mobile communication terminal after the second process;

A fourth step of, after the third step, selecting a card sale item used in the Dutch page after the Dutch pay representative confirms the card payout history information displayed on the mobile communication terminal by the mobile card payment application;

A fifth step of, after the fourth step, selecting a personal payment information of a Dutch party to be charged in a mobile card payment application menu and dividing the total amount of Dutch money into 1 / N;

A sixth step of, after the fifth step, transmitting, by the mobile card payment app, a PUSH message containing personalized split amount information of 1 / N Dutch value to the mobile communication terminals of the Dutch participants;

After the sixth step, if the mobile card payment application installed in the representative's terminal receives the approval confirmation message for the PUSH message from the Dutch participants, the payment information including the card number or the account number of the approved Dutch fee participant To a card issuer server of its own;

After the seventh process, the card company server of the credit card used by the delegatee meeting representative analyzes individual payment information of each participant of the dutch fee received from the mobile card payment application of the representative delegatee terminal, And a method for controlling a Dutch payment system using a mobile card payment application including an eighth step.

In the embodiment 2 of the present invention, a representative representative activates a mobile card payment application before prepayment with a credit card, and then sets a credit card to be used for final payment in the menu, divides the total cost into 1 / N, A mobile communication terminal for loading the personal payment information including the means and executing a Dutch payment after being approved by each of the Dutch participants;

Real-time personal payment information of the participants of the dutch fee received from the mobile card payment application of the mobile communication terminal is received and real-time withdrawal is made to the individually set card payment account, and then the real time payment processing of the Dutch money total amount settled from the merchant terminal is performed And provides a Dutch payment system using a mobile card payment application including a server.

In addition, another characteristic of the second embodiment of the present invention is that, before a meeting representative managing a Dutch payee prepares for a credit card, a meeting representative activates a mobile card payment application installed in the mobile communication terminal, A first step of setting settlement account information of a credit card to be used;

A second step of dividing the Dutch payment total amount into 1 / N in the menu of the mobile card payment application after the first step, and then transmitting the PUSH message including the real time payment means to each of the Dutch payment participants;

If the mobile card payment application installed in the representative's terminal receives the approval confirmation message for the PUSH message from the Dutch participants after the second process, the real-time payment information of the authorized Dutch participants is transmitted to the card issuer server A third step of:

After the third step, after the credit card payment server receives the real-time personal payment information of the participants of the mobile phone from the mobile card payment application of the mobile communication terminal of the meeting representative, the real-time payment information of each participant is separately set And a fourth step of real-time retrieval of the total amount of the Dutch money paid from the merchant terminal from the payment account by using the mobile card payment application.

Further, in the third embodiment of the present invention, the personal payment information of the Dutch party to be charged 1 / N when the Dutch pay is executed after paying with the credit card of the representative is transmitted to the mobile card payment application A mobile communication terminal equipped with a mobile card payment application which is set in a setting menu and executes a Dutch payment function;

The credit card payment application of the mobile communication terminal of the meeting representative provides the card sales history information and receives the personal payment information of the Dutch payment participants for the selected Dutch payment card sales, And a payment server connected to the card issuer payment server and performing settlement processing individually.

According to another aspect of the third embodiment of the present invention, the representative of the meeting managing the Dutch payee drives the mobile card payment application installed in the mobile communication terminal to store the personal payment information according to whether it is a smart phone or a general phone A first step of executing settlement to the merchant terminal using the credit card of the Dutch market;

When the mobile card payment application of the mobile communication terminal activated after the first process requests the credit card transaction history information of the credit card used in the Dutch payment, the Dutch credit server inquires the credit card transaction history information to the credit card company payment server And transmitting the result to the mobile communication terminal;

After the second step, if the actual use card sales item is selected from the mobile card payment application of the mobile communication terminal of the meeting representative and the personal payment information of the related Dutch payment participants is transmitted, the Dutch payment server transmits the payment information from the mobile communication terminal of the meeting representative A third step of analyzing personal settlement information of the participant participants based on the personal settlement information of the participant participants;

After the third process, it is determined whether or not the Dutch pay server has used the Dutch pay service for the first time, and whether the mobile terminals of the Dutch pay participants have been using the smart phone or the general phone. A fourth step of transmitting a PUSH message including the split amount information for each individual;

A fifth step of, if the DFA relay server receives the acknowledgment message for the PUSH message from the DFA participants after the fourth step, transmitting the payment information of the DFA participants to the corresponding card issuer server;

After the fifth step, a sixth step of requesting the credit card server of the Dutch payment participant for each amount of money approved by the Dutch paper relay server in connection with the credit card company's credit card server used by the Dutch paper representative, And a method of controlling the Dutch payment system using the mobile card payment application.

According to the present invention as described above, it is not necessary to pay out the purchase amount to be paid by the Dutch payment at the same time by using the cash payment application, but by using only the payment card of the representative through the mobile card payment application, Since the settlement processing is performed in real time through the payment means, not only all the participants can avoid the hassle of using the payment means, but also there is no complication in which the representative expresses the cash, thereby maximizing the convenience of the Dutch payment.

According to the present invention as described above, since the divided amount is processed in real time by receiving the settlement agreement from the mobile communication terminal of the divisional claimant, it is possible to quickly In addition, it is possible to diversify financial credit settlement.

1 is a flowchart illustrating an example of a conventional Dutch payment method;
FIG. 2 is an explanatory diagram illustrating a Dutch payment system according to embodiments of the present invention; FIG.
3 is a flowchart illustrating a method of a Dutch payout according to Embodiment 1 of the present invention.
4 is a flowchart illustrating a method of a Dutch payout according to Embodiment 2 of the present invention.
5 is an explanatory view for explaining a Dutch payment system according to Embodiment 3 of the present invention;
FIG. 6 is a flowchart illustrating a Dutch-Pay method according to Embodiment 3 of the present invention. FIG.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of the inventive Dutch payment system will be described with reference to the accompanying drawings. However, the present invention is not limited to the embodiments of the Dutch payment system according to the present invention described here, but may be embodied in other forms. Rather, the embodiments disclosed herein are provided so that the disclosure can be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. Like reference numerals designate like elements throughout the specification. It is to be understood that the terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. In the present specification, the singular form includes plural forms unless otherwise specified in the specification. The term " comprises " And / or "comprising" does not exclude the presence or addition of one or more other elements, steps, operations, and / or elements.

3 is a flowchart illustrating a method of a Dutch payout according to the first embodiment of the present invention. FIG. 4 is a flow chart illustrating a method according to the second embodiment of the present invention. FIG. 5 is a diagram for explaining a Dutch pay system according to Embodiment 3 of the present invention, and FIG. 6 is a flowchart for explaining a Dutch pay method according to Embodiment 3 of the present invention.

Example  One

Referring to FIG. 2, in the Dutch payment system according to the first embodiment of the present invention, after payment is made with the credit card 1 of the representative, personal payment information of a Dutch party to be charged at 1 / A mobile communication terminal 2A-N having a mobile card payment application for setting up in a setting menu of an app and sending a payment confirmation PUSH message to a predetermined phone number of the participant to confirm approval and then executing a Dutch payment function, Wow;

The card sales history information is provided according to the request of the mobile card payment application of the mobile communication terminal 2A-N, and the individual payment information of the Dutch payment participants on the selected Dutch money card sales is received and individually processed And a card issuer payment server 3.

Further, the mobile communication terminal 2A-N further includes a selection menu function for searching the card sales history information provided from the card issuer payment server 3 through the mobile card payment application and selecting a Dutch money card transaction.

Also, the mobile communication terminal 2A-N includes a payment information setting function for setting or immediately setting personal payment information of the participants participating in the Dutch payment through the menu screen of the mobile card payment application. Herein, the payment information setting function may directly input or pre-input information such as settlement information of each participant in a chat, for example, a telephone number, a credit card number or a bank account number, and an amount divided by 1 / N. Furthermore, the settlement information setting function may transmit and receive the payment information to / from the mobile communication terminals 2A-N equipped with the mobile card payment application by Bluetooth or Near Field Communication (NFC) method.

Here, the mobile card payment app includes a QR code generation menu for generating a personal QR code including personal bank account information, a credit card number, and a telephone number, and a QR code recognition menu for recognizing and processing the QR code.

Referring to FIG. 3, in the initial state S1, a representative of a meeting who hosts a Dutch payee receives a mobile card payment application installed in his / her mobile communication terminal (S2) for storing personal payment information and executing settlement with the merchant terminal using the credit card of the Dutch page;

A second step (S3) of activating a mobile card payment application of the mobile communication terminal after the first step (S2) and requesting transmission of the card sales details information to the card company server of the credit card used in the Dutch page;

A third step S4 of displaying the card sales history information received from the credit card company server on the menu screen of the mobile communication terminal after the second step S3;

A fourth step (S5) of selecting a card sales event to be used in the Dutch service after the Dutch payment representative confirms the card transaction history information displayed on the mobile communication terminal by the mobile card payment application after the third step (S4);

A fifth step (S6) of selecting personal payment information of a Dutch party participant to which the Dutch payment total amount is to be divided by 1 / N in the menu of the mobile card payment application after the fourth step (S5) and;

A sixth step (S7) of, after the fifth step (S6), transmitting, by the mobile card payment app, a PUSH message containing individual split amount information of 1 / N Dutch value to the mobile communication terminal of the Dutch participants;

If the mobile card payment application installed in the representative's terminal receives the approval confirmation message for the PUSH message from the Dutch participants after the sixth step (S7), the payment information (card number or account Seventh step (S8) of transferring the number to the card issuer server;

After the seventh step (S8), the card company server of the credit card used by the representative of the Dutch company analyzes the individual payment information of each participant of the Dutch payment received from the mobile card payment application of the representative representative terminal, And an eighth step (S9) of processing for settlement.

Here, the personal payment information input method of the first process (S2) may collect personal payment information for all individuals who are expected to have a Dutch payment, and store the personal payment information.

In order to input personal payment information, the mobile card payment application used in the first step S2 may send a personal QR code including a personal bank account number, a cash card number, a credit card number, And a QR code processing step of reading the QR code through the QR code recognition menu and recognizing and processing the real time individual account information.

In addition, the first step S2 further includes a personal information input step of directly inputting or pre-inputting the input of personal payment information when a Dutch page is input. Also, in the first step S2, a mobile communication terminal of a representative and a mobile card payment application of a participant's mobile communication terminals are driven to input personal payment information, and a short-distance storage step of inputting and storing personal payment information by NFC or Bluetooth As shown in FIG.

Further, during the sixth step (S7), the participant who has received the PUSH message including the individual divided amount information of the pasted party drives the mobile card payment application installed in his / her terminal and performs security authentication (public authentication or password etc.) And the approval confirmation message is transmitted to the terminal of the meeting representative via the communication network when the button for confirming the received PUSH message is clicked and the approval of the corresponding content of the PUSH message is clicked do.

In other words, in the Dutch payment system according to the first embodiment of the present invention, first, a meeting representative who hosts the Dutch payee drives the mobile card payment application installed in the mobile communication terminal 2A to store the personal payment information. For example, the mobile card payment application of the mobile communication terminal 2A can collect and store personal payment information for all individuals who are expected to have Dutch payment in the personal payment information menu. At this time, the personal payment information setting includes information on settlement information of each participant, such as a phone number, a credit card number or a bank account number, and an amount divided into 1 / N. In this process, the mobile card payment application uses a method in which a meeting representative immediately receives personal payment information from a Dutch party participant each time a Dutch page is input for inputting personal payment information, or inputs the personal payment information directly or beforehand. In addition, the mobile card payment application drives a representative mobile communication terminal 2A and a mobile card payment application of the participant's mobile communication terminals 2B-N to enter personal payment information, May be input and stored. In this process, in order to input personal payment information, the mobile card payment app uses a personal QR code including a personal bank account number, a cash card number, a credit card number, and a telephone number through a QR code generation menu And read the QR code through the QR code recognition menu to recognize real-time personal account information.

On the other hand, if, for example, a plurality of people eat the food together and calculate the Dutch fare during the above process, the representative of the meeting first executes settlement with the restaurant POS terminal 4 with his / her own credit card 1. Then, the credit card payment information is transmitted from the restaurant POS terminal 4 to the credit card payment server 3 of the credit card, and is managed in a normal manner. After that, the representative of the meeting activates the mobile card payment application of the mobile communication terminal 2A, sets the credit card number that was paid immediately, and requests the credit card payment server 3 for the card sales history information. In this process, the mobile card payment application of the mobile communication terminal 2A accesses the credit card company's settlement server 3 through the mobile network 5, receives credit card sales details of the representative, On the display screen 6 of the display unit 2A. Then, after the Dutch payee representative confirms the card payout history information displayed on the mobile communication terminal 2A by the mobile card payment application, the card payee used in the Dutch payee is selected. Then, the representative of the meeting selects each piece of personal settlement information of the Dutch party to which the Dutch money total amount is to be divided by 1 / N in the personal payment information setting menu of the mobile card payment application, and sets the 1 / N Dutch payment individual amount . Accordingly, if the representative of the meeting sets the individual payment information of the Dutch / Dutch users together with the individual payment information of the Dutch / Dutch users, the mobile card payment application loads the individual Dutch payment information into the PUSH message, To the individual mobile communication terminals 2B-N via the Internet.

Then, the PUSH message is transmitted to the mobile communication terminal 2B-N of the hot key participants through the mobile network 5 to notify the arrival of the PUSH message on the display screen 6. At this time, the Dutch payee participants who have received the PUSH message through the communication path described above activate the mobile card payment application installed in order to check the corresponding PUSH message on the terminal 2B-N of their own, Password input, etc.).

Accordingly, the participants of the Dutch media receiving the PUSH messages as described above can operate the mobile card payment application installed in the terminal 2B-N thereof to perform security authentication (public authentication or password, etc.) and transmit the received PUSH message After confirming, click the button to approve the corresponding content of the PUSH message, that is, when it recognizes the amount divided for itself for the Dutch page. Then, the mobile card payment application of the participant's mobile communication terminal 2B-N generates an approval confirmation message for confirming the approval, and transmits the approval confirmation message to the terminal 2A of the meeting representative via the mobile network 5. [ Accordingly, the representative representative confirms the approval confirmation messages transmitted from the mobile communication terminal 2B-N of the Dutch media participant through the mobile card payment application, and then moves to the payment execution menu to transmit the personalized payment information Number or bank account number) to his / her credit card company payment server 3. Then, the credit card company payment server 3 analyzes personal payment information transmitted from the mobile card payment application of the mobile communication terminal 2A of the meeting representative, and transmits the approved amount to the individual payment server, for example, To the other credit card issuer server (7) or the bank payment server (8) and performs settlement processing in accordance with the settlement protocol.

Example  2

As shown in FIG. 2, the Dutch payment system according to the second embodiment of the present invention activates a mobile card payment application before a credit card 1 prepayment is executed in a Dutch payment execution, and then a credit A mobile communication terminal (2A-N) for setting up the card (1), dividing the total cost by 1 / N, loading the individual payment information including the real-time payment means, approving each participant of the matchmaking and executing the Dutch payout;

Real-time personal settlement information of the participants of the dengue events received from the mobile card payment application of the mobile communication terminals 2A-N is fetched in real time into a card settlement account set individually, and then the total amount of Dutch money paid from the merchant terminal 4 And a card issuer settlement server 3 that performs settlement processing in real time.

Here, the real-time payment means may include a bank name, a bank account number, or a card number (cash or debit card) capable of real-time withdrawal. Of course, those who do not have to take alternative means.

The mobile card payment app also includes a QR code generation menu for generating a personal QR code including a personal bank account number, a cash card number, a credit card number, and a telephone number, and a QR code recognition menu for recognizing and processing the QR code .

In addition, the mobile communication terminal 2A-N includes a real-time payment information setting function for setting or immediately setting personal payment information of the participants participating in the Dutch payment through the menu screen of the mobile card payment application. Herein, the payment information setting function directly inputs information such as settlement information of each participant, such as a telephone number, a credit card number or a bank account number, a cash card number, and an amount divided into 1 / N. Furthermore, the payment information setting function may transmit and receive the real-time payment account information between the mobile communication terminals 2A-N equipped with the mobile card payment application by Bluetooth or Near Field Communication (NFC) method.

Meanwhile, as shown in FIG. 4, in the initial state (S51), before the meeting delegate who hosts the Dutch book prepayment with credit card, (S52) of activating a mobile card payment application installed in the mobile communication terminal of the mobile communication terminal and setting settlement account information of a credit card to be used for final settlement in the menu;

A second step S53 of dividing the Dutch payment total amount into 1 / N in the menu of the mobile card payment application after the first step S52, and then sending the PUSH message including the real time payment means to each of the Dutch payment participants, and;

If the mobile card payment application installed in the representative's terminal receives the approval confirmation message for the PUSH message from the Dutch participants after the second step S53, A third step (S54) of transmitting to the server;

After the third step S54, the card company payment server receives the real-time personal payment information of the dutch participants from the mobile card payment application of the mobile communication terminal of the meeting delegate, (Step S55) of fetching the total amount of the Dutch money paid from the merchant terminal in real time from the payment account.

Here, the personal payment information input method of the first step S52 may collect real-time personal payment account information for all individuals who are expected to have a Dutch payment. In the first step S52, a real-time personal payment information input step of inputting or directly inputting a real-time settlement account at the time of occurrence of a Dutch payment for inputting personal payment information. Also, in the first step S52, the mobile communication terminal of the representative and the mobile card payment application of the mobile communication terminals of the participants are driven to input the real-time personal payment information and receive real-time personal payment account information in the NFC or Bluetooth manner And a real-time near-field storage step.

Further, during the third process (S54), the DuckPeople who receives the PUSH message containing the individual divided amount information of the Dutch is driven by the mobile card payment application installed in his / her terminal to perform the security authentication (public authentication, password, etc.) And the approval confirmation message is transmitted to the terminal of the meeting representative via the communication network when the button for confirming the received PUSH message is clicked and the approval of the corresponding content of the PUSH message is clicked do.

In addition, a mobile card payment application used in the above-mentioned real-time account information input process may include a personal bank account number, a cash card number, a credit card number, a telephone number, and the like through a QR code generation menu in order to input personal payment information And a QR code processing step of generating and providing a personal QR code and reading the QR code through the QR code recognition menu to recognize and process the real time individual account information.

In other words, the Dutch payment system according to the second embodiment of the present invention is configured such that, before a meeting delegate who preliminarily manages Dutch money prepares with his or her credit card (1), the meeting delegate sends a mobile card payment After activating the app to activate the mobile card payment app, set the payment account of the credit card (1) to be used for final payment in the final payment account menu. Then, the mobile card payment application transmits the settlement account information of the credit card (1) to be used for the final settlement set by the meeting representative to the card issuer payment server (3) through the communication network (5). Here, the mobile card payment application of the mobile communication terminal 2A of the meeting representative inputs personal payment information. In order to input such personal payment information, a real-time payment account to be used at the time of occurrence of the Dutch payment can be directly input, . In order to input the real-time personal payment information in the real-time account information inputting process, the mobile communication terminal 2A of the representative and the mobile communication terminals 2B-N of the participants are driven to perform NFC or Bluetooth Real-time personal payment information can be input and stored.

In this process, in order to input real-time personal account information, the mobile card payment application uses a personal QR code including a personal bank account number, a cash card number, a credit card number, And reads the QR code through the QR code recognition menu to recognize real-time personal account information.

Meanwhile, during the real time information input process, the mobile card payment application of the mobile communication terminal 2A of the meeting delegate divides the Dutch payment total amount into 1 / N in the Dutch payment split menu and then transmits the PUSH message including the preset real- And transmits it to the mobile communication terminal 2B-N of each of the participants of the dutch fee through the communication network 5. [ At this time, the participants of the DuckPee receiving the PUSH message as described above drives the mobile card payment application installed in the terminal 2B-N of the mobile terminal 2B to perform security authentication (public authentication or password, etc.) and transmits the received PUSH message After confirming, click the button to approve the corresponding content of the PUSH message, that is, when it recognizes the amount divided for itself for the Dutch page. Then, the mobile card payment application of the participant's mobile communication terminal 2B-N generates an approval confirmation message for confirming the approval, and transmits the approval confirmation message to the terminal 2A of the meeting representative via the mobile network 5. [

Accordingly, when the mobile card payment application installed in the terminal 2A of the meeting representative receives the acknowledgment message for the PUSH message from the mobile communication terminal 2B-N of the hot key participants via the communication path as described above, Real-time settlement account information including information on real-time settlement information of each authorized DUT payee participant such as a bank name in which real-time withdrawal is possible, a bank account number or a card number (cash or debit card) To the card issuer payment server 3 of the card issuing machine 1.

Then, the credit card payment server 3 analyzes the real-time personal payment account information of the Dutch participants from the mobile card payment application of the mobile communication terminal 2A of the meeting representative and analyzes the real-time personal payment account information from the received real- And connects to the corresponding bank settlement server 8 or other credit card settlement server 8 for real-time withdrawal. Then, the credit card company payment server 3 real-time fetches the Dutch money amount individually divided from the personal payment account transmitted from the bank settlement server 8 or the credit card payment server 8 And then real-time settlement processing of the dutch money total amount paid from the merchant terminal 4 from the settlement account.

Therefore, according to the second embodiment of the present invention as described above, since the meeting delegate prepares all the Dutch money amounts in advance and then processes the total expenses by using their own credit cards or cash, it is difficult There is no danger. In addition, if the credit card company is different or is participating in Dutch Pay with cash or cash card (or debit card), it can execute the Dutch Pay function without any difficulty.

Example  3

As shown in FIG. 5, the Dutch payment system according to the third embodiment of the present invention is a system in which a personal credit information of a Dutch party to be charged at 1 / N upon execution of Dutch payment is transmitted to a smartphone A mobile communication terminal (2A-N) on which a mobile card payment application is set for setting a mobile phone payment application in a setting menu according to whether the mobile phone is a general phone or not and executing a Dutch payment function;

And provides the card sales history information by the mobile card payment application of the mobile communication terminal 2A-N of the representative representative, receives the personal payment information of the Dutch payment participants on the selected Dutch payment card sales, And a Dutch pay server 9 for connecting to the card issuer settlement server 3 according to whether or not it is a credit card company.

The DUT relay server 9 further includes a function of transmitting a payment confirmation PUSH message to the predetermined mobile communication terminals 2A-N of the deadee participants to perform approval confirmation processing.

Also, the Dutch pay server 9 retrieves the card sales history information provided from the card issuer payment server 3 and transmits the information to the mobile card payment application of the mobile communication terminal 2A-N, And a selection menu function for processing a credit card transaction in cooperation with the card issuer payment server 3.

Also, in order to set personal payment information of the participants participating in the Dutch Feet, the Dutch pay server 9 may transmit the personal payment information to the smart phone and the general phone through the menu screen of the mobile card payment application of the mobile communication terminal 2A of the meeting representative And a payment information setting function for separately setting or immediately setting the payment information.

Here, the settlement information setting function sets different personal payment information according to whether the Dutch payment service is used for the first time or whether the smartphone is a general phone or not.

Furthermore, the settlement information setting function may transmit and receive the payment information to / from the mobile communication terminals 2A-N equipped with the mobile card payment application by Bluetooth or Near Field Communication (NFC) method.

Here, the mobile card payment app includes a QR code generation menu for generating a personal QR code including personal bank account information, a credit card number, and a telephone number, and a QR code recognition menu for recognizing and processing the QR code.

In addition, when the personal payment information of the Dutch media participants is received from the mobile communication terminal 2A-N of the meeting representative, the Dutch media relay server 9 divides and manages the participant as a smartphone user or a general phone user Later, when the DUTCH FILE function is executed, it is managed by putting it in DB for PUSH message or ARS approval.

As shown in FIG. 6, in the initial state (S61), the meeting representative who hosts the Dutch pay is informed by the mobile card A first step (S62) of storing the personal payment information according to whether the smartphone is a smart phone or a general phone by driving a payment application, and executing settlement to the merchant terminal using the credit card of the Dutch page;

When the mobile card payment application of the mobile communication terminal activated after the first step (S62) requests the credit card transaction history information of the credit card used in the Dutch payment, the Dutch payment server transmits the card transaction details to the credit card payment server A second step (S63) of receiving the result and transmitting the result to the mobile communication terminal;

After the second process (S63), if the actual use card sales item is selected from the mobile card payment application of the mobile communication terminal of the meeting representative and the personal payment information of the related Dutch payment participants is transmitted, the Dutch payment server transmits the mobile payment A third step (S64) of analyzing the personal settlement information of the participants in the Dutch based on the personal settlement information of the Dutch participants received from the terminal;

After the third step S64, it is determined whether or not the Dutch pay server has used the Dutch pay service for the first time, and whether the Dutch mobile terminals of the Dutch pay participants are using the smart phone or the general phone, A fourth step (S65) of transmitting a PUSH message containing the individual divided amount information of the Dutch page;

If the DUT relay server receives the acknowledgment message for the PUSH message from the Delegatee participants after the fourth step S65, it transmits the payment information (card number or account number) (Step S66);

After the fifth step (S66), the Dutch pay server transmits each amount approved by the individual to the corresponding credit card server of the Dutch fee participant in connection with the credit card server of the credit card used by the Dutch Pay representative, 6 step S67.

In the first step S62, the meeting delegate operates the mobile card payment application installed in the mobile communication terminal of his or her own, and displays the personal payment information in the meeting management menu and whether the mobile communication terminal is a smart phone or a general phone And a meeting management menu setting step of transmitting the personal settlement information of the collected dutch participants to the dutch relay server using NFC (local area communication). Also, in the first step S62, the meeting delegate drives the mobile card payment application installed in the mobile communication terminal of his or her own, and confirms whether personal payment information and the corresponding mobile communication terminal are a smart phone or a general phone in the meeting management menu And a meeting management menu setting step of transmitting the personal payment information of the gathered dutch participants to the dutch relay server using the QR code.

In the first step S62, the mobile card payment application inputs a personal QR code including a personal bank account number, a cash card number, a credit card number, and a telephone number through a QR code generation menu in order to input personal payment information And a QR code processing step of reading the QR code through the QR code recognition menu to recognize and process the real time individual account information.

Furthermore, in the fourth step (S65), when the Dutch pay service is the first Dutch pay service and the smart phone is used, the Dutch pay server transmits a PUSH message containing the billing contents and the Dutch pay amount information to the participant's smart phone And a smartphone charging step of performing transmission processing. At this time, when the participant using the smartphone confirms and confirms the individual payment information transmitted from the Dutch Pay server, the personal information including the card company code, the card number, the expiration date, the CVC and the resident number And a personal payment approval step of transmitting the approval information.

Meanwhile, in the fourth step S65, when the Dutch party service is the first Dutch service and the general phone is used, the Dutch relay server transmits the billing content and the Dutch payment amount information through the ARS call to the participant's general phone And a general phone billing step of processing the telephone call. At this time, when the participant using the general phone checks and confirms the individual payment information transmitted from the Dutch Pay server in the general phone billing step, the individual payment information including the card company code, card number, valid period, CVC, And a general phone settlement approval step of transmitting the approval information using the ARS.

In addition, in the fourth step (S65), when the Dutch pay participant is a user of the Dutch pay service and the smart phone is used, the Dutch pay server transmits the PUSH message including the contents of the charge and the Dutch pay amount information to the participant's smart phone The smartphone further includes a smartphone charging step. In this preferred smartphone charging step, the participant using the smartphone requests the OTP authentication number from the Dutch pay server in order to check the individual payment information transmitted from the Dutch pay server, checks the input value, And a personal payment approval step of processing the personal payment. Also, in the fourth step S65, when the Dutch pay participant is a user of the Dutch pay service and uses a general phone, the Dutch pay server relays the contents of the bill and the Dutch pay amount information to the participant's smart phone in an ARS call Use general phone charging step. At this time, the participant using the general phone requests the OTP authentication number from the Dutch pay server to check the individual payment information transmitted from the Dutch pay server, Quot ;, and " ARS "

In addition, the first step S62 may further include a personal information input step of directly inputting or pre-inputting at the time of occurrence of the Dutch pay for inputting personal payment information. Also, in the first step S62, the mobile communication terminal of the representative and the mobile card payment application of the participant's mobile communication terminals are driven to enter personal payment information, and the personal payment information is inputted and stored by the NFC or Bluetooth method. As shown in FIG.

In other words, in the Dutch payment system according to the third embodiment of the present invention, a meeting representative managing the Dutch payee drives the mobile card payment application installed in the mobile communication terminal 2A of the participant, Stores the personal payment information according to whether it is a smart phone or a general phone. In this process, when the mobile card payment application of the activated mobile communication terminal 2A as described above requests the credit card transaction history information of the credit card used by the Dutch payment, the Dutch credit relay server 9 transmits the card transaction history information, Inquires the card sales details information to the payment server 3, and transmits the result to the mobile communication terminal 2A of the meeting representative. After the above process, the Dutch pay server 9 selects the actual usage card sales item from the mobile card payment application of the mobile communication terminal 2A of the meeting delegate and receives the personal payment information of the related Dutch payment participants, The personal payment information of the participants of the respective chat rooms is analyzed based on the personal settlement information of the participants of the chat rooms received from the mobile communication terminal 2A. The DUT relay server 9 distinguishes whether or not the DUT pay participants first used the DUT pay service and whether or not the DUT participant's mobile communication terminal 2B-N is a smart phone and a normal phone. / N Sends the PUSH message containing the split amount information of the Dutch paged person.

That is, when the Dutch payee participant is the first Dutch payee service and uses the smart phone, the Dutch pay server 9 transmits the PUSH message including the billing contents and the Dutch pay amount information to the mobile communication terminal 2B-N of the participant . At this time, the participant using the smartphone confirms the individual payment information transmitted from the Dutch pay server 9 and confirms the personal payment approval information including the card company code, card number, validity period, CVC, To the Dutch pay server (9). However, in the above-mentioned process, when the Dutch party service is the first Dutch service and the general phone is used, the Dutch relay server 9 transmits the contents of the request and the Dutch through the ARS call to the participant's mobile communication terminal 2B- Pay the individual amount information alarm. At this time, the participant using the general phone confirms and confirms the individual payment information transmitted from the Dutch pay server 9, and transmits the personal payment approval information including the card company code, card number, validity period, CVC, Is transmitted using ARS. On the other hand, in the above process, when the user of the Dutch payee service is a base user of the Dutch pay service and uses a smart phone, the Dutch pay server 9 transmits the contents of the billing to the mobile communication terminal 2B- And transmits the PUSH message containing the amount information. At this time, the participant using the smartphone requests the OTP authentication number from the Dutch pay server 9 to check the individual payment information transmitted from the Dutch pay server 9, receives the personal payment approval information . In this case, in the above process, when the user of the Dutch payee service is a base user of the Dutch pay service and uses the general phone, the Dutch Pay server 9 transmits the contents of the billing to the mobile communication terminal 2B- To the ARS call. At this time, the participant using the general phone requests the OTP authentication number from the Dutch pay server 9 in order to check the individual payment information transmitted from the Dutch pay server 9, receives the personal payment approval information It is processed using ARS.

In another embodiment, the mobile card payment application generates and transmits a personal QR code including a personal bank account number, a cash card number, a credit card number, and a telephone number through a QR code generation menu in order to input personal account information And read the QR code through the QR code recognition menu to recognize real-time personal account information.

After receiving the acknowledgment message for the PUSH message from the Dutch participants, the Dutch pay server 9 transmits the payment information (card number or account number To the card issuer payment server 3 of the credit card 1 used by the meeting representative. Therefore, the Dutch pay server 9 transmits each amount approved by the individual to the card issuer settlement server 3 of the Dutch fee participant in cooperation with the credit card company's settlement server 3 of the credit card 1 used by the representative ) And performs settlement processing.

Therefore, according to the third embodiment, even if the mobile communication terminal of the participant is not a smart phone but a general phone, it is possible to easily process the meeting expenses by using the Dutch pay method. In addition, Even if it is not a card company, it can be used conveniently.

1: credit card 2A-N: mobile communication terminal
3: Credit card payment server 4: POS terminal
5: Network 6: Display screen
7: credit card issuer server 8: bank payment server
9: Dutch Peer Relay Server

Claims (24)

After paying with the representative's credit card, set up the personal payment information of the Dutch participants who will charge 1 / N for the Dutch payment on the setup menu of the mobile card payment application and send a payment confirmation PUSH message to the pre- A mobile communication terminal on which a mobile card payment application for executing a Dutch payment function is received after receiving an approval confirmation;
A credit card payment server for providing card sales history information in response to a request of a mobile card payment application of the mobile communication terminal and individually receiving settlement processing of personal payment information of Dutch payment participants for the selected Dutch payment card sales ;
The mobile communication terminal further includes a selection menu function for searching the card sales history information provided from the card issuer payment server through the mobile card payment application and selecting a Dutch money card transaction,
In the setting of the personal payment information, a telephone number, a credit card number, a bank account number, and money information divided into 1 / N are directly inputted or pre-entered in the setting menu of the mobile communication terminal of the meeting representative,
In the setting of the personal payment information, mobile communication terminals equipped with a mobile card payment application set personal payment information to each other by Bluetooth or NFC (Near Field Communication)
The mobile card payment app further includes a QR code generation menu for generating a personal QR code including personal bank account information, a credit card number, and a telephone number, and a QR code recognition menu for recognizing and processing the QR code Dutch payment system using mobile card payment app. delete delete delete delete A first step of a representative of a meeting person who hosts a Dutch paper drives a mobile card payment application installed in his or her mobile communication terminal to store personal payment information and execute settlement to the merchant terminal using his credit card at the Dutch market; ;
A second step of activating the mobile card payment application of the mobile communication terminal after the first step and requesting transmission of the card sales details information to the card company server of the credit card used in the Dutch page;
A third step of displaying the card sales history information received from the credit card company server on the menu screen of the mobile communication terminal after the second process;
A fourth step of, after the third step, selecting a card sale item used in the Dutch page after the Dutch pay representative confirms the card payout history information displayed on the mobile communication terminal by the mobile card payment application;
A fifth step of, after the fourth step, selecting a personal payment information of a Dutch party to be charged in a mobile card payment application menu and dividing the total amount of Dutch money into 1 / N;
A sixth step of, after the fifth step, transmitting, by the mobile card payment app, a PUSH message containing personalized split amount information of 1 / N Dutch value to the mobile communication terminals of the Dutch participants;
After the sixth step, if the mobile card payment application installed in the representative's terminal receives the approval confirmation message for the PUSH message from the Dutch participants, the payment information including the card number or the account number of the approved Dutch fee participant To a card issuer server of its own;
After the seventh process, the card company server of the credit card used by the delegatee meeting representative analyzes individual payment information of each participant of the dutch fee received from the mobile card payment application of the representative delegatee terminal, Comprising the eighth step;
In the first step, the mobile card payment application can generate and provide a personal QR code including an individual bank account number, a cash card number, a credit card number, and a telephone number through a QR code generation menu in order to input personal payment information And a QR code processing step of reading the QR code through the QR code recognition menu to recognize and process the real time individual account information,
In the first step, the mobile communication terminal of the representative and the mobile card payment application of the mobile communication terminals of the participants may be driven to input personal payment information, and the personal payment information may be inputted and stored by the NFC or Bluetooth method. ,
In the sixth step, when a Dutch party receiving the PUSH message containing the individual divided amount information of the Dutch is driven by the mobile card payment application installed in the terminal, the received PUSH message can be checked only And when the user clicks a button for approving the contents of the PUSH message, an approval confirmation message is transmitted to the terminal of the meeting representative via the public network. A method of controlling a pay system. delete delete delete Before you prepay by credit card, your representative will activate your mobile card payment application, set up a credit card to use for final payment in the menu, divide the total cost into 1 / N, A mobile communication terminal for loading the information and executing a Dutch payout after being approved by each of the Dutch participants;
Real-time personal payment information of the participants of the dutch fee received from the mobile card payment application of the mobile communication terminal is received and real-time withdrawal is made to the individually set card payment account, and then the real time payment processing of the Dutch money total amount settled from the merchant terminal is performed Configure the server, including;
The real-time payment means may include a bank name, a bank account number or a cash card number capable of real-time withdrawal, and a debit card number,
The mobile card payment app further includes a QR code generation menu for generating a personal QR code including personal bank account information, a credit card number, and a telephone number, and a QR code recognition menu for recognizing and processing the QR code,
The personal payment information may be set by setting the personal payment information between the mobile communication terminals equipped with the mobile card payment application by Bluetooth or Near Field Communication (NFC) method. system. delete delete delete Before a meeting delegate who hosts a Dutch pie prepayment with a credit card, a meeting delegate activates a mobile card payment application installed in his or her mobile communication terminal and then sets a payment account information of a credit card to be used for final payment in the menu 1;
A second step of dividing the Dutch payment total amount into 1 / N in the menu of the mobile card payment application after the first step, and then transmitting the PUSH message including the real time payment means to each of the Dutch payment participants;
If the mobile card payment application installed in the representative's terminal receives the approval confirmation message for the PUSH message from the Dutch participants after the second process, the real-time payment information of the authorized Dutch participants is transmitted to the card issuer server A third step of:
After the third step, after the credit card payment server receives the real-time personal payment information of the participants of the mobile phone from the mobile card payment application of the mobile communication terminal of the meeting representative, the real-time payment information of each participant is separately set And a fourth step of real time fetching from the settlement account the total amount of the Dutch money paid out from the merchant terminal by the card payment account;
In the first process, the mobile communication terminal of the representative and the mobile card payment application of the mobile communication terminals of the participants are driven to input the real-time personal payment information, and real-time near-field storage Further comprising:
In the first step, the mobile card payment application can generate and provide a personal QR code including a personal bank account number, a cash card number, a credit card number, and a telephone number through a QR code generation menu in order to input real- And a QR code processing step of reading the QR code through the QR code recognition menu and recognizing real-time personal account information. The method of controlling a Dutch payment system using a mobile card payment app. delete delete After paying by the representative's credit card, the personal payment information of the Dutch party to be charged 1 / N when the Dutch pay is executed is set in the setting menu of the mobile card payment application depending on whether it is a smart phone or a general phone, A mobile communication terminal on which a mobile card payment app is loaded;
The mobile payment terminal of the representative mobile communication terminal provides the card sales history information and receives the personal payment information of the Dutch payment participants for the selected Dutch payment card sales, A payment server relay server for connecting to a credit card company payment server and separately performing settlement processing;
In order to set personal payment information of the participants participating in the Dutch Feet, the Dutch pay server relays the mobile phone through a menu screen of the mobile card payment application of the mobile communication terminal of the meeting representative, And a payment information setting function,
When the individual payment information of the delegatee participants is received from the mobile communication terminal of the meeting representative, the dutch pay relay server manages the corresponding participant as a smartphone user or a general phone user, and then executes a PUSH message or an ARS And managing it by putting it in DB for approval. delete delete The representative of the meeting who hosts the Dutch has driven the mobile card payment application installed in his / her mobile communication terminal to store the personal payment information according to whether it is a smart phone or a general phone, and use Dutch credit card A first step of executing settlement with the terminal;
When the mobile card payment application of the mobile communication terminal activated after the first process requests the credit card transaction history information of the credit card used in the Dutch payment, the Dutch credit server inquires the credit card transaction history information to the credit card company payment server And transmitting the result to the mobile communication terminal;
After the second step, if the actual use card sales item is selected from the mobile card payment application of the mobile communication terminal of the meeting representative and the personal payment information of the related Dutch payment participants is transmitted, the Dutch payment server transmits the payment information from the mobile communication terminal of the meeting representative A third step of analyzing personal settlement information of the participant participants based on the personal settlement information of the participant participants;
After the third process, it is determined whether or not the Dutch pay server has used the Dutch pay service for the first time, and whether the mobile terminals of the Dutch pay participants have been using the smart phone or the general phone. A fourth step of transmitting a PUSH message including the split amount information for each individual;
A fifth step of, if the DFA relay server receives the acknowledgment message for the PUSH message from the Duckee participants after the fourth step, transmitting the payment information of the approved Duckee pay participants to the corresponding card company server;
After the fifth step, a sixth step of requesting the credit card server of the Dutch payment participant for each amount of money approved by the Dutch paper relay server in connection with the credit card company's credit card server used by the Dutch paper representative, Including;
In the fourth process, when the Dutch party service is the first Dutch service and the smartphone is used, the Dutch server transmits the PUSH message containing the billing content and the Dutch ticket amount information to the smartphone of the participant When the participant using the smartphone confirms and approves the individual payment information transmitted from the Dutch Pay server, the credit card code, card number, validity period, CVC, resident number And a personal payment approval step of transmitting personal payment approval information including the personal payment approval information,
In the fourth step, when the Dutch pay service is the first Dutch pay service and the general phone is used, the Dutch pay server transmits an ARS call to the participant's ordinary phone to request a general phone When the participant using the general phone checks and confirms the individual payment information transmitted from the dengue relay server, the credit card code, the card number, the validity period, the CVC, the resident registration number And a general phone settlement approval step of transmitting the personal settlement approval information including the personal payment approval information,
In the fourth process, when the Dutch party participant is the default user of the Dutch service, and the smartphone is used, the Dutch server transmits the PUSH message including the billing contents and the Dutch price information to the participant's smartphone In the smartphone charging step, the smartphone user requests the OTP authentication number from the Dutch relay server to confirm the individual payment information transmitted from the Dutch pay server through the smartphone charging step. A personal payment approval step of verifying the personal payment approval information and processing the personal payment approval information,
In the fourth process, when the Dutch party participant is a basic user of the Dutch service, and the general phone is used, the Dutch server transmits a request to the participant's smartphone for an ARS call for the billing contents and the Dutch money amount information. The participant using the general phone requests the OTP authentication number from the Dutch relay server to confirm the individual payment information transmitted from the Dutch pay server and verifies the input value Further comprising a step of accepting personal payment approval information by using the ARS. The method of controlling a Dutch payment system using a mobile card payment app according to claim 1, further comprising: delete delete delete delete

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