KR101598611B1 - Method for providing proxy payment service - Google Patents

Method for providing proxy payment service Download PDF

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Publication number
KR101598611B1
KR101598611B1 KR1020150056619A KR20150056619A KR101598611B1 KR 101598611 B1 KR101598611 B1 KR 101598611B1 KR 1020150056619 A KR1020150056619 A KR 1020150056619A KR 20150056619 A KR20150056619 A KR 20150056619A KR 101598611 B1 KR101598611 B1 KR 101598611B1
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South Korea
Prior art keywords
payment
terminal
proxy
settlement
event
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KR1020150056619A
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Korean (ko)
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권오석
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주식회사 기가월드
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A method for providing a proxy payment service, the method comprising: receiving a payment code for a goods payment request generated at a POS terminal; receiving a payment request event from a payment request terminal reading or scanning the payment code; Determining whether approval of the proxy payment terminal is required, transmitting a payment request event to the proxy payment terminal, receiving a proxy payment event for the payment request event from the proxy payment terminal, And transmitting the payment completion data to the POS terminal.

Description

METHOD FOR PROVIDING PROXY PAYMENT SERVICE

The present invention relates to a method of providing a proxy settlement service.

Recently, as the penetration rate of smartphones and smart pads has increased, there has been an increasing number of cases where online payment is made via mobile rather than offline card payment. However, If it is not the same person, the process of settlement can be complicated.

At this time, a proxy settlement system capable of settlement is used even if the payer and buyer are not the same. In this regard, Korean Patent Laid-Open Publication No. 2011-0127891 (published on November 28, 2011) discloses a method in which a payer checks the details of a proxy settlement requested by a buyer, collectively or selectively approves a proxy settlement The method comprising:

However, when a payer makes a payment collectively or selectively for all details of a payment request by a purchaser, it is not easy to use when payment is required immediately and the buyer must immediately receive the goods. Since the payer must check all or part of the purchase details of the purchaser collectively or selectively, the payer's time may be wasted.

An embodiment of the present invention sets an amount payable at a proxy payment terminal and an item category of a payable product, and when a proxy payment terminal selects a payee by scanning a payment code, which is goods information generated through a POS terminal, If an item is within the set category and the predetermined amount is within the predetermined amount, the automatic approval area is automatically set to be approved. If the item is not in the predetermined category or exceeds the predetermined amount, , The payer can control the purchasing activity of the payee at a long distance and the payee can provide the proxy payment service method that can receive the goods immediately without traveling with the payer. It should be understood, however, that the technical scope of the present invention is not limited to the above-described technical problems, and other technical problems may exist.

According to an aspect of the present invention, there is provided a billing method for a billing system, comprising: receiving a payment code for a goods payment request generated by a POS terminal; Receiving an event, analyzing a payment request event to determine whether approval of the proxy payment terminal is required, transmitting a payment request event to the proxy payment terminal, Receiving the event, and transmitting the payment completion data for the goods payment request to the POS terminal.

According to any one of the above-mentioned objects of the present invention, an agent can set a settlement amount and an item category of a commodifiable commodity at a proxy settlement terminal, and the settlement code, which is commodity information generated through the POS terminal at the proxy settlement terminal, If a payer is selected, an automatic approval area is automatically set to allow approval if the item is within the predetermined category and the predetermined payment amount, and only when the item is not an item of the predetermined category or exceeds the predetermined payment amount The payer can control the purchasing activity of the payee at a long distance and the payee can immediately receive the goods even if he does not accompany the payer.

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

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

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

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

1 is a block diagram illustrating a billing service providing system according to an embodiment of the present invention. Referring to FIG. 1, the proxy settlement service providing system 1 may include a settlement request terminal 100, a proxy settlement service providing server 300, a POS terminal 400, and a proxy settlement terminal 500. However, since the proxy payment service providing system 1 of FIG. 1 is only one embodiment of the present invention, the present invention is not limited to FIG.

At this time, the respective components of FIG. 1 are generally connected through a network 200. For example, as shown in FIG. 1, the settlement request terminal 100 may be connected to the proxy settlement service providing server 300 through the network 200. The payment request terminal 100 may be connected to the POS terminal 400 and the proxy payment terminal 500 through the proxy payment service providing server 300 and the network 200. [ The payment request terminal 100 may be directly connected to the POS terminal 400 or the proxy payment terminal 500 through the network 200. [ The proxy settlement service providing server 300 may be connected to the proxy settlement terminal 500, the payment request terminal 100 and the POS terminal 400 via the network 200. [ The POS terminal 400 may be connected to the settlement request terminal 100 and the settlement terminal 500 through the proxy settlement service providing server 300 or directly connected thereto. The proxy settlement terminal 500 may be connected to the settlement request terminal 100, the proxy settlement service providing server 300 and the POS terminal 400 through the network 200. [

Here, the network 200 refers to a connection structure capable of exchanging information between nodes such as terminals and servers. An example of the network 200 is an Internet, a LAN (Local Area Network) ), Wireless LAN (Local Area Network), WAN (Wide Area Network), PAN (Personal Area Network), 3G, 4G, LTE, Wi-Fi and the like. The settlement request terminal 100, the proxy settlement service providing server 300, the POS terminal 400 and the proxy settlement terminal 500 shown in FIG. 1 are not limited to those shown in FIG.

The payment request terminal 100 may be a terminal capable of reading or scanning the payment code generated in the POS terminal 400. [ Then, the payment request terminal 100 selects a proxy payment terminal 500 to perform proxy payment after scanning the payment code, and transmits a payment request event to the selected proxy payment terminal 500 To the proxy settlement service providing server (300). In addition, the payment request terminal 100 may be a terminal that registers its data in the proxy settlement service providing server 300 and performs authentication. The settlement request terminal 100 may be a terminal that is mapped to the proxy settlement terminal 500 and stored in the proxy settlement service providing server 300. The payment request terminal 100 may be a terminal capable of receiving a payment completion message when payment is completed from the proxy payment terminal 500. [ At this time, the payment request terminal 100 may be implemented as a terminal capable of connecting to a remote server or terminal through the network 200. [ In addition, the payment request terminal 100 may be implemented as a computer that can access a remote server or terminal through the network 200. [ Here, the computer may include, for example, a notebook, a desktop, a laptop, and the like. In addition, the payment request terminal 100 may be implemented as a terminal that can access a remote server or terminal through the network 200. [ The payment request terminal 100 may be a wireless communication device that is guaranteed to be portable and mobility, for example, a Personal Communication System (PCS), a Global System for Mobile communications (GSM), a Personal Digital Cellular (PDC) Personal Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication) -2000, CDMA (Code Division Multiple Access) -2000, W-CDMA (W- A handheld based wireless communication device such as a smart phone, a smartphone, a smartpad, a tablet PC, and the like.

When the settlement request event is received as a result of scanning the settlement code from the settlement request terminal 100, the settlement service providing server 300 transmits a settlement request event to the settlement request terminal 100 designated by the settlement request terminal 100, Lt; / RTI > When the settlement request event is within the predetermined category and the predetermined settlement amount in the proxy settlement terminal 500, the proxy settlement service providing server 300 automatically transmits the settlement request to the proxy settlement service terminal 500 without the approval of the proxy settlement terminal 500 It may be a server that processes payment approval. When the settlement request event is not in the predetermined category in the proxy settlement terminal 500 or exceeds the predetermined settlement amount, the proxy settlement service providing server 300 transmits the settlement request Requesting approval, and processing the payment approval only when the approval is received. When the proxy settlement service providing server 300 receives the automatic approval or the separate approval, the settlement request service terminal 100 may transmit the settlement approval result to the POS terminal 400 that generated the payment code scanned by the settlement request terminal 100 . In this way, settlement can be completed in the POS terminal 400, and the proxy settlement service providing server 300 can communicate with the VAN server or the like. At this time, the proxy settlement service providing server 300 may be implemented as a terminal capable of connecting to a remote server or terminal through the network 200. [ In addition, the proxy settlement service providing server 300 may be implemented as a computer that can access a remote server or terminal through the network 200. [ Here, the computer may include, for example, a notebook, a desktop, a laptop, and the like.

The proxy payment terminal 500 may be a terminal that transmits its own information to the proxy payment service providing server 300 together with information including the telephone number of the payment request terminal 100. [ In addition, the proxy payment terminal 500 may be a terminal for inputting a password for confirming the terminal or whether to approve payment when the payment request event is received from the proxy settlement service providing server 300. For this purpose, the surrogate payment terminal 500 may be a terminal that transmits the settlement amount and the data of the settlement category to the surrogate settlement service providing server 300 in advance. At this time, the surrogate settlement terminal 500 can transmit not only settlement category but also metadata that can distinguish a product name, a brand, and a commodity to the surrogate settlement service providing server 300. At this time, the surrogate payment terminal 500 may be implemented as a terminal capable of accessing a remote server or a terminal through the network 200. Alternatively, the proxy payment terminal 500 may be implemented as a computer capable of connecting to a remote server or terminal through the network 200. [ Here, the computer may include, for example, a notebook, a desktop, a laptop, and the like. Alternatively, the proxy payment terminal 500 may be implemented as a terminal capable of connecting to a remote server or terminal through the network 200. [ For example, the surrogate payment terminal 500 may be a wireless communication apparatus that is guaranteed to be portable and mobility, such as a Personal Communication System (PCS), a Global System for Mobile communications (GSM), a Personal Digital Cellular (PDC) Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wibro (Wireless Broadband Internet) A handheld based wireless communication device such as a smartphone, a smartpad, a tablet PC, and the like.

FIG. 2 is a block diagram for explaining the proxy settlement service providing server shown in FIG. 1, and FIG. 3 is a diagram for explaining an embodiment in which the proxy settlement service shown in FIG. 1 is implemented.

2, a proxy settlement service providing server 300 according to an embodiment of the present invention includes a database forming unit 310, a first receiving unit 320, a second receiving unit 330, a determining unit 340 A first transmitting unit 350, a third receiving unit 360, and a second transmitting unit 370. The first transmitting unit 350,

(Not shown) operating in conjunction with the proxy settlement service providing server 300 or the proxy settlement service providing server 300 according to an embodiment of the present invention may transmit a proxy settlement service application, a program, a web page, 200 to the terminal, the terminal can install or open an application, a program, a web page, and the like for the service. It may also be run on the terminal using a script executed in the web browser. Here, a web browser is a program that enables a WWW (World Wide Web) service, and is a program for receiving and displaying hypertext described in hypertext mark-up language (HTML), for example, Netscape (Netscape) An Explorer, chrome, and the like. Further, the application refers to an application on the terminal, for example, an app (app) running on a mobile terminal (smart phone). An app can be downloaded and installed from the mobile app marketplace, a virtual marketplace where mobile content can be bought and sold freely.

At this time, the payment request terminal 100, the proxy settlement service providing server 300, the POS terminal 400 and the proxy payment terminal 500 may be connected to each other to be able to communicate by the network 200, It means that the proxy settlement service providing server 300 creates a communication object at the communication contact for communication with the terminal connected to the network 200. [ The proxy settlement service providing server 300 can exchange data with each other through the communication object.

The database processing unit 310 includes a settlement request terminal 100 for requesting settlement of a product to be settled on behalf of the proxy settlement terminal 500, settlement means data including a password for settlement, a card and an account, And a settlement amount of money. At this time, the proxy payment terminal 500 can set up a plurality of payment request terminals 100, and the payment request terminal 100 and the proxy payment terminal 500 are connected to the database forming unit 310 ). ≪ / RTI > When the settlement request event is generated from the settlement request terminal 100, the database generating unit 310 receives the settlement category and the settlement amount from the settlement settlement terminal 500, And may be converted into a database. The database generating unit 310 may store and store a messenger, an application, and a program for enabling the proxy settlement terminal 500 and the settlement request terminal 100 to interlock with each other. Accordingly, a payment request and a proxy settlement can be made regardless of whether a payment request terminal 100 transmits a payment request event using an application, a messenger, or a program.

The first receiving unit 320 may receive a payment code for a goods payment request generated by the POS terminal 400. [ At this time, the POS terminal 400 can generate a payment code that can be scanned or read from the payment request terminal 100. At this time, the billing code may be a QR code, a bar code, an NFC code, or a three-dimensional image code. The payment code may include information such as a commodity amount, a commodity name, a commodity category, a name of a merchant, and a selling place for a commodity to be settled. The generated billing code can be generated so that counterfeiting or modulation is impossible.

The second receiving unit 330 may receive a payment request event from the payment request terminal 100 that has read or scanned the payment code. Here, the second receiver 330 receives the category and the amount of the goods for which settlement is requested based on the settlement code, compares and authenticates the password included in the settlement request event with the previously stored password, It can be confirmed whether the surrogate settlement terminal 500 included in the surrogate settlement terminal 500 is a surrogate settlement terminal 500 previously stored. At this time, the settlement request event may include the information of the surrogate settlement terminal 500, which is a surrogate settlement terminal. The settlement request terminal 100 can specify the information of the surrogate settlement terminal 500 included in the settlement request event, but the information about the commodity or the price of the commodity can be changed or edited in the settlement request terminal 100 I can not. For example, when a child is trying to get a payment for a meal, or when a minor wants to obtain approval for purchasing a product necessary for a parent, the name of the product, the amount of the product, and the like can be edited, to be. Therefore, it is possible to select the information of the proxy payment terminal 500 from the payment request terminal 100, but it is possible not to edit other information, that is, the information on the goods, the information on the business, and the like. However, the present invention is not limited to such an embodiment, and it should be apparent that information on a product or information on a company can be directly inputted, edited and modified by the payment request terminal 100.

The determining unit 340 may analyze the settlement request event and determine whether approval of the proxy settlement terminal 500 is required. Here, the determination unit 340 determines whether the settlement request amount included in the settlement request event does not exceed the amount of the settlement amount other than the predetermined settlement amount, and if the category of the goods included in the settlement request event is It is possible to confirm whether or not it is a predetermined settlement category. If the determination result is within a preset amount and is a predetermined category, the determination unit 340 classifies the automatic approval area as an automatic approval area that is not required to be approved by the proxy payment terminal 500, If it is not the predetermined category, it can be classified as a manual approval area requiring approval of the proxy payment terminal 500.

The first transmission unit 350 can transmit a payment request event to the proxy payment terminal 500. Here, when the settlement request event is transmitted to the settlement payment terminal 500, if the settlement request event is the automatic settlement region, the settlement terminal 500 transmits a confirmation event for confirming the password to the settlement terminal 500, The payment terminal 500 can transmit a request event requesting the password and approval. That is, in the case of the automatic approval area, it is possible not to obtain approval each time a payment request is made to the proxy payment terminal 500.

The third receiving unit 360 may receive the proxy settlement event for the settlement request event from the proxy settlement terminal 500. [ If the payment request event is a confirmation event, the third receiver 360 receives the password from the proxy payment terminal 500. If the payment request event is a request event, the third receiver 360 receives the password and approval from the proxy payment terminal 500 Or not. That is, if the third receiving unit 360 is a merchandise in a predetermined category and the amount of the merchandise does not exceed the amount approved so far (AND condition), the third receiving unit 360 may receive only the password from the surrogate payment terminal 500 have. At this time, if the third receiving unit 360 is in the automatic payment area, the third receiving unit 360 may be settled immediately without receiving the password, and may transmit only the result of the payment to the proxy charging terminal 500. For example, if it is within the range of the permitted range, it may be troublesome to continuously enter the password every time a payment event occurs, so that it may be set to be informed only of the result.

The second transmission unit 370 can transmit the payment completion data for the goods settlement request to the POS terminal 400. [ Accordingly, even if the payer and the payer do not coexist, the payer can immediately purchase the desired item, the payer can receive the payment request of the payer at a long distance, determine whether to approve the payment, You can control the consumption activity of the person.

On the other hand, the proxy payment terminal 500 arranges, outputs, and stores a proxy payment event for the payment request event transmitted from the payment request terminal 100 according to the payment request terminal 100, category, date, and amount And the proxy payment terminal 500 can display the expenditure data and statistical data for the proxy settlement event. In addition, the POS terminal 400 may include an industry type of the merchant in which the POS terminal 400 is registered when generating the settlement code, and an amount, a category, and a name of the merchandise requested to be paid for goods. The payment request terminal 100 and the proxy payment terminal 500 may execute the proxy payment service providing method through at least one messenger program or at least one messenger application. Through this, the payment request terminal 100 and the proxy payment terminal 500 can use a separate program for payment request and approval decision, but they can use the program through a program such as a messenger that is already in use. In addition, the present invention is not limited to the program, and any means capable of transmitting a message such as SMS can be used.

A method of providing a proxy settlement service having the above-described configuration will be described in detail below with reference to FIG.

Referring to FIG. 3, (a) For example, the general affairs department employee can use an amount of 2 million won for the purchase of books and office supplies, the employee of the sales department C can use the amount of 500,000 won for office supplies, Assume that 300,000 won is available. In this case, both the payer and the payer can be troublesome if they try to receive payment for office supplies, books, and meals. Accordingly, (b) the proxy payment terminal 500 generates a virtual payment account that is divided into an automatic approval area and a manual approval area, sets a category and a password to be automatically set in the automatic approval area, And passwords. Alternatively, the proxy payment terminal 500 may complete the setting for the manual approval by designating the user who can use the manual approval area in the manual approval area.

When the settlement request terminal 100 completes the setting in the settlement terminal 500, the settlement terminal 500 enters the password in the case of the automatic approval area, or in the case of the manual approval area, And approval data can be input so that the payment can be approved or completed at a remote location. That is, (c) when the POS terminal 400 generates a payment code for payment of goods, the payment request terminal 100 can scan the generated payment code and make a payment using the scanned payment code The terminal can be selected using an identifier such as a telephone number. Then, when the payment request terminal 100 enters the password received from the selected proxy payment terminal 500, the payment schedule information may be transmitted to the proxy payment terminal 500. [ Then, the proxy settlement terminal 500 verifies the user by receiving the password set in advance with the settlement request terminal 100, and then the settlement request received from the settlement request terminal 100 is automatically Whether it is an approval area or a manual approval area. Then, in the case of the automatic approval area, the settlement approval is made possible without the approval of the proxy payer, and in the case of the manual approval area, the settlement is completed after the payment approval data is received from the proxy settlement terminal 500. Accordingly, when payment is automatically or manually completed from the proxy payment terminal 500, the result is transmitted to the POS terminal 400 via the proxy settlement service providing server 300, and the POS terminal 400 transmits the goods Complete the payment.

2 and 3 may be easily derived from the same or similar contents as those of the method of providing the proxy service through FIG. 1, Omit it.

4 is a diagram illustrating a process in which data is transmitted and received between the respective components included in the proxy payment service providing system of FIG. 1 according to an embodiment of the present invention. Hereinafter, an example of a process of transmitting and receiving a signal according to an embodiment of the present invention will be described with reference to FIG. 4. However, the present invention is not limited to this embodiment, It is apparent to those skilled in the art that the process of transmitting and receiving the shown data can be changed.

Referring to FIG. 4, the proxy settlement service providing server 300 receives information for proxy settlement from the proxy settlement terminal 500 (S4100). Then, the proxy settlement service providing server 300 authenticates the proxy payment terminal 500 and the payment request terminal 100 (S4200), maps the transmitted information to the authentication terminal, and stores the information (S4300).

Meanwhile, the POS terminal 400 requests payment of goods (S4400), generates a payment code (S4500) and transmits it to the proxy payment service providing server 300 (S4600) 400 is scanned (S4700).

The payment request terminal 100 selects the proxy payment terminal 500 in step S4710 and inputs the password in step S4720 so that the proxy payment service providing server 300 can perform the mapping to the selected proxy payment terminal 500 (Step S4740). If it is determined that the inputted password matches the inputted password (S4740).

If the preset password matches the input password, the proxy settlement service providing server 300 determines whether the category of the settlement request event is a predetermined category, the amount of the settlement request event, (Step S4750). If it is determined in step S4750 that the total amount of money does not exceed the predetermined amount,

Then, the proxy settlement service providing server 300 transmits the settlement request event to the proxy settlement terminal 500 (S4810) when the automatic settlement area is the automatic approval area (S4800), inputs the password from the proxy settlement terminal 500 (S4820), it is confirmed whether or not the received password agrees with the preset password (S4840), and is automatically approved (S4850), and the approval result is sent to the proxy settlement service providing server 300 To the terminal 500 (S4860).

Meanwhile, if the proxy settlement service providing server 300 receives a password from the proxy payment terminal 500 (S4820), the proxy payment service providing server 300 transmits a payment request event to the proxy payment terminal 500 (S4910) , The proxy payment service providing server 300 checks whether or not the received password matches the preset password (S4840), and the proxy payment service providing server 300 checks whether payment for the manual approval And transmits the request to the surrogate settlement terminal (S4930, S4950). Then, when the proxy payment terminal 500 receives an approval input for the proxy payment (S4970), the approval data is transmitted to the proxy settlement service providing server 300 (S4980), and the proxy payment service providing server 300 The payment can be completed in the POS terminal 400 by transmitting the approval result to the POS terminal 400. [

Here, the order between the above-described steps S4100 to S4990 is merely an example, but it is not limited thereto. That is, the order between the above-described steps S4100 to S4990 may be mutually varied, and some of the steps may be executed or deleted at the same time.

5 is a flowchart illustrating a method for providing a proxy settlement service according to an embodiment of the present invention. Referring to FIG. 5, the proxy settlement service providing server receives a settlement code for a goods settlement request generated at the POS terminal (S5100). Then, the proxy settlement service providing server receives the settlement request event from the settlement request terminal reading or scanning the settlement code (S5200). Further, the proxy settlement service providing server analyzes the settlement request event to determine whether approval of the proxy settlement terminal is required (S5300). Here, the proxy payment service providing server transmits a payment request event to the proxy payment terminal (S5400) and receives a proxy payment event for the payment request event from the proxy payment terminal (S5500).

Finally, the proxy settlement service providing server transmits the settlement completion data for the goods settlement request to the POS terminal (S5600).

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

The above-described method of providing a proxy payment service according to an embodiment of the present invention may be executed by an application installed in a terminal (which may include a program included in a platform or an operating system basically installed in the terminal) (I.e., a program) directly installed on a master terminal by a user via an application providing server such as an application store server, an application, or a web server associated with the service. In this regard, the above-described method of providing a proxy payment service according to an embodiment of the present invention may be implemented in an application installed in a terminal or directly installed by a user (i.e., a program) Can be recorded on the medium.

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

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

Claims (10)

A method for providing a proxy settlement service executed in a separate virtual account based proxy settlement service providing server,
Receiving a settlement code for a merchandise settlement request generated in a POS terminal;
Receiving a payment request event from a payment request terminal reading or scanning the payment code;
Analyzing the settlement request event and determining whether approval of the proxy settlement terminal is required;
Transmitting the payment request event to the proxy payment terminal;
Receiving a proxy payment event for a payment request event from the proxy payment terminal;
Transmitting payment completion data for the goods payment request to the POS terminal
Lt; / RTI >
The billing code is a QR code, a bar code, an NFC code or a three-dimensional image code,
The step of receiving a payment request event from the payment request terminal reading or scanning the payment code may include receiving information including a category and an amount of the goods for which payment is requested based on the payment code, Comparing the password included in the payment request with the pre-stored password and authenticating whether or not the proxy payment terminal included in the payment request event is a pre-stored proxy payment terminal;
Wherein the step of analyzing the settlement request event and determining whether approval of the surrogate settlement terminal is required includes the step of determining whether the settlement request amount included in the settlement request event exceeds the amount of the settlement amount excluding the settlement amount Determining whether the category of the goods included in the payment request event is a predetermined payment allowable category, checking whether the category of the goods included in the payment request event is a predetermined payment allowable category, Is classified into a manual approval area which is not required and which is classified into a manual approval area requiring approval of the surrogate payment terminal if the confirmation result exceeds a predetermined amount or is not a predetermined category,
The transmitting of the settlement request event to the proxy settlement terminal may include transmitting a confirmation event for confirming the password to the proxy payment terminal when the confirmation region is the automatic approval region, And transmitting a request event requesting a password and approval to the proxy payment terminal,
Wherein the step of receiving a proxy settlement event for a payment request event from the proxy settlement terminal comprises the steps of: receiving a password from the proxy payment terminal when the payment request event is a confirmation event; And receiving the password and approval from the proxy payment terminal.
delete delete delete delete delete delete The method according to claim 1,
The proxy payment terminal arranges, outputs, and stores a proxy payment event for the payment request event transmitted from the payment request terminal by the payment request terminal, category, date, and amount,
Wherein the proxy payment terminal displays expenditure data and statistical data for the proxy payment event.
The method according to claim 1,
Wherein the POS terminal includes, when generating the payment code, an industry type of the merchant in which the POS terminal is registered, and an amount, a category, and a name of the commodity requested for payment.
The method according to claim 1,
Wherein the payment request terminal and the proxy payment terminal execute the proxy payment service providing method through at least one messenger program or at least one messenger application.
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