KR101906376B1 - System and Method for providing balance deposit service using electric payment means - Google Patents

Abstract

The present invention relates to a system and method for providing a balance deposit service using an electronic payment means, in which an electronic payment means for depositing a balance is opened through a balance deposit application, and when the balance deposit application is activated, And the electronic payment means information displayed on the user terminal, and when a balance deposit instruction for the remaining balance after the purchase of the commodity cash is inputted, the balance deposit request signal including the identification information and the balance of the electronic payment means is transmitted to the user terminal A bank transfer device for transferring the bank transfer request to the bank transfer device, a bank transfer device for transferring the account transfer request to the bank transfer device, a bank transfer device for transferring the account transfer request to the bank transfer device, And transmits the deposited deposit information to the user terminal. .
According to the present invention, the balance generated after purchasing a product in a store is deposited as an electronic payment means previously set in a user terminal through a store device installed in a store, and when necessary, a deposit is confirmed in a store through a store device, By suggesting a method that can be used in the same way, it is possible to solve the inconvenience of the change management and prevent the annual loss caused by the loss of the change.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system and a method for providing a deposit service using electronic payment means,

The present invention relates to a system and method for providing a deposit service using electronic payment means, and more particularly, to a system and method for providing a deposit service with electronic payment means, An electronic payment means information display screen displaying at least one of an electronic payment means information and an electronic payment means information and an electronic payment means information display screen displaying at least one of an electronic payment means information and an electronic payment means information; The remaining deposit settlement request is transmitted to the balance deposit apparatus, the balance deposit apparatus performs the user authentication to authenticate the user, deposits the balance in the electronic payment means to update the deposit, When a balance deposit service is provided using an electronic payment means for transfer to a user terminal Stem and method.

As the spread of smart devices spreads, various models of smart devices are being launched to satisfy various tastes of users.

The user can visit the store and use a smart device to make a payment with a mobile card or a payment with virtual cash.

Also, due to increasing commodity prices, in some cases the cost of producing coins and the metal price of coins exceeds the face value of the coins.

Because many coins are heavy and bulky, carrying and handling coins is burdensome for merchants and consumers.

So it is necessary to alleviate the use of coins. It may also be desirable to eliminate the use of coins to return the change back to the consumer to complete the purchase transaction.

However, conventionally, it has not been able to perform a virtual treatment for the residual amount generated in cash settlement.

Korean Patent Application No. 2010-0084813 (2009.08.05), Title of invention: Method and system for managing purchase transaction between consumer and merchant

SUMMARY OF THE INVENTION The present invention has been made in order to solve the above problems, and it is an object of the present invention to provide an electronic payment means set up in advance in a user terminal through a store device installed in a store, Provided is a system and method for providing a deposit service using an electronic payment means, which can check the deposit through a store device in a store and provide the same as a cash deposit if necessary, thereby improving the processing method for the balance generated in cash settlement .

According to an aspect of the present invention, there is provided an electronic payment system comprising: an electronic payment means for opening a balance deposit application through a balance deposit application; a user terminal displaying information on electronic payment means opened when the balance deposit application is activated; The electronic payment means information displayed on the user terminal is recognized and when a balance deposit instruction for remaining balance after purchasing a commodity cash is inputted, a balance deposit request signal including the identification information and the balance of the electronic payment means is transmitted to the balance deposit apparatus A user who has received the remaining deposit request signal from the burial device, performs user authentication, updates the deposit to the electronic payment means if the user is an authenticated user, updates the deposit information, And an electronic payment means including a balance deposit apparatus for transferring money to the user terminal The funds deposited by the service providing system is provided.

According to another aspect of the present invention, there is provided a computer program for causing a computer to function as a communication unit for communicating with a burial device or a balance deposit apparatus, a storage unit storing a balance deposit application, a user interface unit displaying electronic payment means information, An electronic payment means opening request processing unit for requesting opening of an electronic payment means for deposit and receiving and storing the electronic payment means information opened from the balance deposit apparatus; And an electronic payment means driver for displaying the payment means information on the user interface unit and updating the deposit information of the electronic payment means when updated deposit information is received from the balance deposit machine.

The electronic payment means information may include identification information and deposit of the electronic payment means, and the electronic payment means information displayed on the user interface may be at least one of a bar code, an electronic tag, and an NFC.

According to another aspect of the present invention, there is provided a communication system including a communication unit for communication with a user terminal or a balance deposit apparatus, an output unit, an electronic payment means recognition unit for recognizing electronic payment means information displayed on the user terminal, And a balance deposit requesting unit for transmitting a balance deposit request signal including the identification information and the balance of the electronic payment means to the balance deposit apparatus via the communication unit when the balance deposit deposit instruction is inputted.

When the settlement instruction using the deposit of the electronic payment means recognized by the electronic payment means recognition section is input, the burial device transmits a settlement request signal including the identification information of the electronic payment means and the settlement amount to the balance And a settlement processing unit for transmitting the settlement amount to the settlement apparatus and performing settlement processing of the settlement amount.

The electronic payment means recognition unit may be a reader for recognizing at least one electronic payment means information among the barcode, the electronic tag, and the NFC displayed on the user terminal.

According to another aspect of the present invention, there is provided an information processing system including a communication unit for communication with a user terminal or a buried device, identification information of an electronic payment means for each user terminal, an electronic payment means information database in which a deposit is stored, An authentication unit that performs user authentication using the user terminal identification information and the identification information of the electronic payment means when the balance deposit request signal including the terminal identification information and the identification information of the electronic payment means is received; And a balance deposit processing unit for, when the user is an authorized user, depositing the balance to the electronic payment means and transmitting the updated deposit information to the user terminal.

When the settlement request signal including the settlement amount, the user terminal identification information, and the identification information of the electronic payment means is received from the store device through the communication unit, the balance deposit apparatus transmits the settlement amount from the deposit stored in the electronic payment means information database And a settlement processor for transmitting the settlement result to the buried device and transmitting the updated deposit information to the user terminal.

Wherein the remaining amount deposit processing unit judges whether or not an account of the seller corresponding to the buried device exists in the electronic payment means information database, and if there is a result of the determination, transfers the balance amount from the seller's account to the electronic payment means And transmits the account open request and remaining deposit non-receivable message to the merchandising device if the seller does not exist, or accumulates the remaining amount in the electronic payment means, and accumulates the remaining amount in the merchandise store as the payment request amount , And transmits the accumulated payment request amount information to the burial device.

According to still another aspect of the present invention, there is provided a method of operating an electronic settlement apparatus, comprising the steps of: (a) displaying the opened electronic payment means information when a user terminal that opens an electronic payment means in a balance deposit apparatus drives a balance deposit application; Displaying an electronic payment means information recognition screen on which at least one of identification information, a deposit, a balance deposit instruction and a payment instruction of the electronic payment means is displayed when the electronic payment means information displayed on the user terminal is recognized; When a balance deposit instruction is inputted in the electronic payment means information recognition screen, a balance deposit request signal including the balance remaining after the commodity cash purchase, the user terminal identification information and the identification information of the electronic payment means is inputted to the balance deposit apparatus (D) the balance deposit apparatus uses the user terminal identification information and the identification information of the electronic payment means (E) transmitting the updated deposit information to the user terminal; (e) if the user terminal has stored the pre-stored deposit And updating the received information with the received deposit information. The present invention also provides a method of providing a balance deposit service using electronic payment means.

After the step (b), when a settlement command is input in the electronic payment means information recognition screen, the store device transmits a settlement request signal including a settlement amount, user terminal identification information and identification information of the electronic payment means to the balance deposit The balance deposit apparatus performs user authentication using the user terminal identification information and the identification information of the electronic payment means, and if the user is an authenticated user, subtracts the payment amount from the deposit of the electronic payment means Processing the settlement and updating the deposit by the settlement, and transmitting the updated deposit information to the user terminal while the balance deposit apparatus transmits the settlement result to the burial apparatus.

According to another aspect of the present invention, there is provided a method for providing a balance deposit service using a user terminal, the method comprising the steps of: displaying the opened electronic payment means information when the balance deposit application is activated; Receiving the updated deposit information from the balance deposit apparatus when the information is recognized by the burial apparatus and a balance deposit or settlement process is requested; and updating the previously stored deposit information with the received deposit information A method of providing a balance deposit service using means is provided.

The method of providing a balance deposit service using the electronic payment means may further include requesting opening of the electronic payment means to the balance deposit apparatus and receiving and storing the electronic payment means information opened from the balance deposit apparatus.

According to still another aspect of the present invention, there is provided a method of displaying electronic payment information, comprising the steps of: displaying information on electronic payment means opened when a balance deposit application is activated; when the electronic payment means information is recognized by the burial device, Receiving the updated deposit information from the balance deposit apparatus, and updating the previously stored deposit information with the received deposit information, the method of providing the balance deposit service using the electronic payment means is recorded in the program and readable by the electronic apparatus A recording medium is provided.

According to another aspect of the present invention, there is provided a method for providing a deposit settlement service using an electronic payment means in a buried device, comprising the steps of: when the electronic payment means information displayed on the user terminal is recognized, identification information of the electronic payment means, Displaying the electronic payment means information recognition screen on which at least one of a deposit instruction, a deposit instruction, and a payment instruction is displayed on the screen of the electronic payment means information recognition screen, a balance remaining after product cash purchase, user terminal identification information, There is provided a balance deposit service providing method using an electronic payment means comprising a step of transmitting a balance deposit request signal including identification information of a payment means to a balance deposit apparatus and consequently receiving a balance deposit result.

Wherein the settlement deposit service providing method using the electronic payment means includes a settlement request signal including a settlement amount, user terminal identification information, and identification information of the electronic payment means when the payment instruction using the deposit is inputted on the electronic payment means information recognition screen To the balance deposit apparatus, and receiving a settlement result of the settlement amount.

According to another aspect of the present invention, when the electronic payment means information displayed on the user terminal is recognized, an electronic payment means information recognition screen displaying at least one of the identification information, the deposit, the balance deposit instruction and the payment instruction of the electronic payment means is displayed A balance deposit request signal including the balance remaining after the purchase of the commodity cash, the user terminal identification information, and the identification information of the electronic payment means is transmitted to the balance deposit apparatus when the balance deposit instruction is inputted on the electronic payment means information recognition screen And as a result, receiving the balance deposit result, a method of providing a balance deposit service using an electronic payment means is recorded as a program and a recording medium readable in an electronic apparatus is provided.

According to another aspect of the present invention, there is provided a method for providing a balance deposit service using an electronic payment means, comprising the steps of: receiving a balance deposit request including a balance, user terminal identification information and identification information of an electronic payment means Performing a user authentication using the user terminal identification information and the identification information of the electronic payment means when the signal is received; if the user is the authenticated result of the authentication, depositing the balance in the electronic payment means, And transmitting the updated deposit information to the user terminal. The present invention also provides a method of providing a balance deposit service using electronic payment means.

When the settlement request signal including the settlement amount, the user terminal identification information, and the identification information of the electronic payment means is received from the burial device, the method of providing the balance deposit service using the electronic payment means, The method comprising the steps of: performing user authentication using identification information of the electronic payment means, performing settlement by subtracting the settlement amount from the deposit of the electronic payment means if the user is an authenticated result of the authentication, and updating the deposit by the settlement; And transmitting the settlement processing result to the buried device and transmitting the updated deposit information to the user terminal.

According to another aspect of the present invention, when a balance deposit request signal including a balance, user terminal identification information and identification information of an electronic payment means is received from a burial device, the user terminal identification information and the identification information of the electronic payment means The method comprising the steps of: performing a user authentication using the electronic settlement means, if the user is the authenticated result of the authentication, updating the deposit by depositing the balance to the electronic payment means, and transmitting the updated deposit information to the user terminal A method of providing a balance deposit service using a payment means is recorded by a program and a recording medium readable by an electronic apparatus is provided.

As described above, according to the present invention, the balance generated after purchasing a product at a store is deposited as an electronic payment means preset in a user terminal through a store device installed in the store, and if necessary, a deposit And by using the same method as cash, it is possible to solve the inconvenience of the change management and prevent the annual loss caused by the loss of the change.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a diagram showing a system for providing balance deposit service using electronic payment means according to the present invention; FIG.
2 is a block diagram schematically illustrating a configuration of a user terminal according to the present invention;
3 is a block diagram schematically showing a configuration of a burial apparatus according to the present invention;
4 is a block diagram schematically showing a configuration of a balance deposit apparatus according to the present invention.
5 is a diagram showing a method of providing a balance deposit service using an electronic payment means according to the present invention.
6 is a diagram illustrating a method of performing settlement using a deposit stored in an electronic payment means according to the present invention.
7 is a view showing a screen of a user terminal displaying electronic payment means information according to the present invention.

The foregoing and other objects, features, and advantages of the present invention will become more apparent from the following detailed description taken in conjunction with the accompanying drawings, in which: FIG.

The electronic payment means described below can deposit the balance remaining after the purchase of goods by cash. For example, the electronic payment means may include a financial account opened at a financial institution, a user account including a virtual account, T-money) and prepaid electronic payment means.

FIG. 1 is a diagram showing a system for providing balance deposit service using the electronic payment means according to the present invention.

Referring to FIG. 1, a balance deposit service providing system using an electronic payment means includes a user terminal 100, a buried apparatus 200, and a balance deposit apparatus 300.

The user terminal 100 opens an electronic payment means for depositing a balance through a balance deposit application. Opening of the electronic payment means means opening a user account such as a financial account or a virtual account for depositing a balance or prepaid electronic payment means such as T-money that can be charged online, .

In addition, the user terminal 100 stores information on the opened electronic payment means (for example, identification information of the electronic payment means, deposit, etc.), and when the balance deposit application is driven, Displays payment instrument information.

The user can open one or more electronic payment means for depositing the balance. In this case, when the balance deposit application is activated, the user terminal 100 outputs a list of the opened electronic payment means, and when the user selects the electronic payment means for depositing the remaining balance in the list, The information of the selected electronic payment means can be displayed.

The user terminal 100 performing the above-mentioned functions may be a mobile terminal performing communication through a mobile communication network such as a smart phone or a PDA, a wired terminal performing communication through a wired communication network, A terminal, a terminal that performs communication through a personal area network (PAN), and the like.

A detailed description of the user terminal 100 performing the above-mentioned functions will be described with reference to FIG.

The burial device 200 recognizes the electronic payment means information displayed on the user terminal 100 and includes the balance, user terminal identification information, and identification information of the electronic payment means when a deposit order of remaining balance is input To the balance deposit apparatus 300. The remaining deposit settlement request signal is transmitted to the deposit settlement apparatus 300. [

In addition, when the settlement instruction using the amount deposited in the electronic payment means of each user is inputted, the burial device 200 transmits a settlement request signal including the settlement amount, the user terminal identification information and the identification information of the electronic payment means, To the balance deposit apparatus 300 so that the settlement processing can be performed using the amount deposited in the electronic payment means.

The store device 200 performing the above-mentioned function includes a Point Of Sale (POS) terminal such as an electronic cash register capable of processing cash payments provided to the merchant by consumers, a USB connection or an RS232C connection Lt; RTI ID = 0.0 > and / or < / RTI > The buried device 200 recognizes the electronic payment means information displayed on the user terminal using the reader. Accordingly, the reader may be a reader capable of recognizing a bar code, an NFC (Near Field Communication), an RF method, or the like.

A detailed description of the buried device 200 performing the above functions will be made with reference to FIG.

When the balance deposit request signal including the balance, the user terminal identification information and the identification information of the electronic payment means is received from the burial device 200, the balance deposit apparatus 300 performs user authentication, and when it is an authenticated user Updates the deposit with the balance to the electronic payment means, and transmits the updated deposit information to the user terminal (100). At this time, the balance deposit apparatus 300 determines whether or not an account of the seller corresponding to the burial apparatus 200 exists. If there is a result of the determination, the balance deposit apparatus 300 confirms the amount deposited in the account of the seller, and if the balance is equal to or greater than the balance, transfers the account balance from the seller's account to the electronic payment means of the user. If the amount deposited in the seller's account is not equal to or greater than the balance, the balance deposit apparatus 300 informs the burial apparatus 200 of the insufficient balance.

If the account of the seller corresponding to the burial device 200 does not exist in the balance deposit apparatus 300, the balance deposit apparatus 300 deposits the balance in the electronic payment means, To the seller as the payment request amount, and transmits the accumulated payment request amount information to the burial device 200 or the seller terminal (not shown). Then, the payment request amount is displayed in the store device 200 or the seller terminal, and the seller can deposit the money online or offline. The payment request amount information may include a payment request amount and an account number to be transferred.

According to another embodiment of the present invention, if there is no account of the seller corresponding to the burial apparatus 200 in the balance deposit apparatus 300, the balance deposit apparatus 300 transmits a balance deposit non- Lt; / RTI > The balance non-depositable message may include a message requesting the seller to open an account.

When the settlement request signal including the settlement amount, the user terminal identification information, and the identification information of the electronic payment means is received from the burial device 200, the balance deposit apparatus 300 stores the identification information of the electronic payment means Subtracts the settlement amount from the deposit of the corresponding electronic payment means, transmits the settlement result to the burial device 200, and transmits the updated deposit information to the user terminal 100. [

The balance deposit apparatus 300, which plays the role as described above, refers to a financial server or the like, and a detailed description thereof will be made with reference to FIG.

2 is a block diagram schematically illustrating a configuration of a user terminal according to the present invention.

2, the user terminal 100 includes a communication unit 110 for communication with a burial device or a balance deposit apparatus, a user interface unit 120, a storage unit 130 in which a balance deposit application is stored, A request processing unit 140, and an electronic payment means driving unit 150.

The user interface unit 120 includes an input unit for inputting a user command or an output unit for displaying an operation result according to a user command.

The electronic payment means open request processing unit 140 requests the balance deposit apparatus to open the electronic payment means through the communication unit 110 and receives and stores the electronic payment means information opened from the balance deposit apparatus. The electronic payment means information includes identification information of the electronic payment means, a deposit, and the like.

That is, when the user selects the electronic payment means for depositing the remaining balance among the electronic payment means such as the virtual account, the T-money, and the financial account, the electronic payment means establishment request processing unit 140 causes the balance deposit apparatus to transmit the selected electronic payment means . Then, the balance deposit apparatus opens the requested electronic payment means, and transmits the electronic payment means information to the electronic payment means establishment request processing unit 140. [ Here, when the electronic payment means opened by the user is a virtual account, the electronic payment means information includes a virtual account number, a deposit, etc. When the opened electronic payment means is T-Money, An identification number of the T-shirt, a deposit (deposit amount), and the like.

The electronic payment means driving unit 150 displays the opened electronic payment means information on the user interface unit 120 when the balance deposit application stored in the storage unit 130 is driven. At this time, the electronic payment means information is displayed together with a deposit in the form of a bar code, an electronic tag, etc., and the identification information of the electronic payment means is recognized through recognition of the bar code, electronic tag and the like. The identification information of the electronic payment means refers to, for example, an account number, a virtual account number, a Tommy identification number, and the like.

In addition, when the updated deposit information is received from the balance deposit apparatus, the electronic payment means driving unit 150 updates the deposit information of the electronic payment means with the received deposit information.

3 is a block diagram schematically showing a configuration of a burial apparatus according to the present invention.

3, the buried device 200 includes a communication unit 210 for communicating with a user terminal or a balance storage device, an input unit 220, an output unit 230, an electronic payment unit recognition unit 240, A request unit 250, and a payment processing unit 260. [

The electronic payment unit recognition unit 240 recognizes the electronic payment means information displayed on the user terminal. That is, the electronic payment unit recognizing unit 240 recognizes electronic payment means information such as a barcode, an electronic tag displayed on the user terminal, and may be a reader capable of recognizing a barcode, an NFC, or the like.

The balance deposit request unit 250 receives a balance deposit request signal including a balance, user terminal identification information, and identification information of the electronic payment means when a balance deposit instruction for remaining balance after purchasing a product is inputted through the input unit 220 To the balance deposit apparatus through the communication unit 210. [ Then, the balance deposit apparatus updates the accumulated deposit by depositing the balance to the electronic payment means.

In addition, the balance deposit request unit 250 displays the payment request amount information on the output unit 230 when the payment request amount information according to the balance deposit is received from the balance deposit apparatus. The payment request amount information may include a payment request amount, an account number to be transferred, and the like. The seller can confirm the payment request amount information and deposit the corresponding amount in the account number.

Also, the balance deposit request unit 250 may output the deposit completion message according to the balance deposit from the balance deposit apparatus or the balance shortage message through the output unit 230 when the balance is insufficient.

When the payment instruction using the amount deposited in the electronic payment means recognized by the electronic payment means recognition unit 240 is inputted, the payment processing unit 260 transmits the payment amount, the user terminal identification information, and the identification information of the electronic payment means And transmits the settlement request signal including the settlement request signal to the balance deposit apparatus through the communication unit 210 to perform settlement processing of the corresponding amount.

The settlement processing unit 260 also plays a role of performing settlement of purchase of merchandise by credit card, cash or the like.

4 is a block diagram schematically showing a configuration of a balance deposit apparatus according to the present invention.

4, the balance deposit apparatus 300 includes a communication unit 310 for communicating with a user terminal or a store apparatus, an electronic payment means information database 320, an authentication unit 330, a balance deposit processing unit 340, And a settlement processing unit 350.

The electronic payment means information database 320 stores identification information, deposits, etc. of the electronic payment means for each user terminal.

In addition, the electronic payment means information database 320 may store account numbers, deposits, etc. according to each shop apparatus (i.e., each seller).

When the balance settlement request signal including the balance, the user terminal identification information and the identification information of the electronic payment means is received from the burial device through the communication unit 310, the authentication unit 330 transmits the user terminal identification information and the electronic payment And performs user authentication using the identification information of the means. That is, the authentication unit 330 performs user authentication using whether the user terminal identification information and the identification information of the electronic payment means are registered in the electronic payment means information database 320.

When the settlement request signal including the settlement amount, the user terminal identification information, and the identification information of the electronic payment means is received from the store device through the communication unit 310, the authentication unit 330 identifies the user terminal identification information, And performs user authentication using the identification information of the electronic payment means.

If the user is not an authenticated user, the authentication unit 330 transmits a message indicating that the user is not an authenticated user to the store device or the user terminal.

If the authentication result of the authentication unit 330 indicates that the user is the authenticated user, the balance settlement processing unit 340 updates the deposit by depositing the balance in the electronic payment means corresponding to the identification information of the electronic payment means, And transmits the deposit information to the user terminal.

At this time, the balance deposit processing unit 340 determines whether or not the account of the seller corresponding to the burial device exists in the electronic payment means information database 320. If there is a result of the determination, the balance deposit processing unit 340 checks the amount deposited in the seller's account, and when the amount is equal to or more than the balance amount, If the balance is not more than the balance, the store device informs the user of the remaining balance.

If the account of the seller corresponding to the buried device does not exist in the electronic payment means information database 320, the remaining deposit processing unit 340 deposits the remaining amount in the electronic payment means, (Seller) as the requested amount, and transmits the accumulated payment request amount information to the buried device or the seller terminal. Then, the payment request amount is displayed on the store device or the seller terminal, and the seller can deposit the money online or offline. The payment request amount information may include a payment request amount and an account number to be transferred.

The settlement processing unit 350 subtracts the settlement amount from the deposit stored in the electronic payment means information database 320 when the authentication result of the authentication unit 330 is an authenticated user and transmits the settlement result to the store apparatus And transmits the updated deposit information to the user terminal.

At this time, the settlement processing unit 350 compares the deposit stored in the electronic payment means with the settlement amount, and determines whether the deposit is equal to or greater than the settlement amount. If it is determined that the deposit is equal to or greater than the settlement amount, the settlement processing unit 350 subtracts the settlement amount from the deposit to perform settlement.

If the deposit of the electronic payment means is not equal to or greater than the settlement amount, the settlement processing unit 350 transmits a deposit shortage notification message to the buried device or the user terminal.

5 is a diagram illustrating a method of providing a balance deposit service using the electronic payment means according to the present invention.

Referring to FIG. 5, when the user terminal that has opened the electronic payment means in the balance deposit apparatus drives the balance deposit application (S502), the opened electronic payment means information is displayed (S504).

The electronic payment instrument information is displayed in a barcode form together with a deposit, for example, as shown in Fig.

Before performing the above process, the user terminal must open an electronic payment means in the balance deposit apparatus using the balance deposit application. When the electronic payment means is a user account including a virtual account or the like, the electronic payment means can be established in the same manner as a general account through cooperation with a general commercial bank.

When the store employee recognizes the electronic payment means information displayed on the user terminal using the reader provided in the store device in the state where the step S504 is performed (S506), the store device stores the identification information of the electronic payment means and the deposit The electronic payment instrument information recognition screen is displayed (S508). In the electronic payment means information recognition screen, identification information of the electronic payment means, deposit, as well as a balance deposit instruction and a payment instruction are displayed.

When the balance deposit instruction is input in the displayed electronic payment means information recognition screen (S510), the store apparatus transmits a balance deposit request signal including the balance remaining after the purchase of the commodity cash, the user terminal identification information, and the identification information of the electronic payment means To the balance deposit apparatus (S512).

Then, the balance deposit apparatus performs user authentication using the user terminal identification information and the identification information of the electronic payment means (S514). If the user is an authorized user, the balance deposit apparatus updates the deposit by depositing the balance to the electronic payment means (S516), and transmits the updated deposit information to the user terminal (S518).

At this time, if the user is not an authenticated user, the balance deposit apparatus transmits a message to the buried device or the user terminal that the user is not an authenticated user.

In addition, when the user is an authenticated user, the balance deposit apparatus determines whether or not an account of the seller corresponding to the store apparatus exists. Wherein the remaining balance depository device confirms the amount of money deposited in the account of the seller and, when the amount of money is equal to or greater than the balance, transfers the account balance from the seller's account to the electronic payment means of the user, And notifies the burial device of the remaining amount of the remaining amount when it is not more than the remaining amount.

If the account of the seller corresponding to the buried device does not exist in the balance deposit apparatus, the balance deposit apparatus deposits the balance in the electronic payment means, And transmits the accumulated payment request amount information to the burial device. Then, the payment request amount is displayed in the store device, and the seller can deposit the money online or offline.

If the step S518 is performed, the user terminal updates the stored deposit information with the received deposit information (S520).

6 is a diagram illustrating a method of performing settlement using a deposit stored in an electronic payment means according to the present invention.

Referring to FIG. 6, when the user terminal having the electronic payment means installed in the balance deposit apparatus drives the balance deposit application (S602), the opened electronic payment means information is displayed (S604).

When the store employee recognizes the electronic payment means information displayed on the user terminal using the reader provided in the store device in the state where the step S604 is performed (S606), the store device stores the identification information of the electronic payment means and the deposit The electronic payment instrument information recognition screen is displayed (S608). In the electronic payment means information recognition screen, identification information of the electronic payment means, deposit, as well as a balance deposit instruction and a payment instruction are displayed.

When the payment instruction is input in the displayed electronic payment means information recognition screen (S610), the store device transmits a payment request signal including the payment amount, the user terminal identification information and the identification information of the electronic payment means to the balance deposit apparatus (S612).

Then, the balance deposit apparatus performs user authentication using the user terminal identification information and the identification information of the electronic payment means (S614). If the user is an authorized user, the balance deposit apparatus deducts the payment amount from the deposit of the electronic payment means (S616), and updates the deposit in accordance with the settlement (S618).

At this time, if the user is not an authenticated user, the balance deposit apparatus transmits a message to the buried device or the user terminal that the user is not an authenticated user.

Also, when the user is an authenticated user, the balance deposit apparatus compares the deposit of the electronic payment means with the settlement amount to determine whether the deposit is equal to or greater than the settlement amount. If it is determined that the deposit is equal to or greater than the settlement amount, the balance deposit apparatus subtracts the settlement amount from the deposit to perform settlement.

If the deposit of the electronic payment means is not equal to or greater than the settlement amount, the balance deposit apparatus transmits a deposit shortage notification message to the buried device or the user terminal.

After the execution of step S618, the balance deposit apparatus transmits the settlement result to the burial apparatus (S620) and transmits the updated deposit information to the user terminal (S622).

Then, the user terminal updates the stored deposit information with the received deposit information (S624).

Thus, those skilled in the art will appreciate that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. It is therefore to be understood that the embodiments described above are to be considered in all respects only as illustrative and not restrictive. 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.

In the present invention, the balance generated after purchasing a commodity at a store is deposited as an electronic payment means previously set in a user terminal through a store device installed in a store, and if necessary, a deposit is confirmed at a store through a store device, The present invention can be applied to a system and method for providing a balance deposit service using an electronic payment means capable of improving the processing method for the balance generated by cash settlement.

100: user terminal 110, 210, 310:
120: user interface unit 130: storage unit
140: Electronic payment means opening request processing unit 150: Electronic payment means driving unit
200: store unit 220: input unit
230: output unit 240: electronic payment means recognition unit
250: Balance deposit requesting unit 260: Payment processing unit
300: Balance deposit apparatus 320: Electronic payment means information database
330: Authentication unit 340: Balance deposit processing unit
350:

Claims (20)

◈ Claim 1 is abandoned upon payment of registration fee. A user terminal which opens an electronic payment means for depositing a balance through a balance deposit application and displays the opened electronic payment means information including the identification information of the electronic payment means and the deposit when the balance deposit application is activated;
And when the remaining balance remaining amount is inputted, the control unit recognizes the electronic payment means information displayed on the user terminal and displays the identification information of the electronic payment means and the remaining amount of the user terminal A depositing device for transferring a balance deposit request signal to the balance deposit device; And
When receiving the balance deposit request signal from the burial device, performs user authentication based on the identification information of the electronic payment means and the identification information of the user terminal included in the balance deposit request signal, The deposit is stored in the payment means to update the deposit, the updated deposit information is transmitted to the user terminal, and when the account of the seller corresponding to the store apparatus is not present, the balance is deposited in the electronic payment means Accumulating the balance as the requested amount of money in the burial device, and transmitting the accumulated requested amount of money to the buried device;
And an electronic payment means for transferring the electronic money to the electronic money. A communication unit for communication with the burial device or the balance deposit device;
A storage for storing a balance deposit application;
A user interface unit for displaying the electronic payment means information including the identification information of the electronic payment means and the deposit;
An electronic payment means open request processing unit for requesting opening of an electronic payment means for depositing a balance in the balance deposit apparatus through the communication unit and receiving and storing electronic payment means information opened from the balance deposit apparatus; And
When the balance deposit application stored in the storage unit is driven, displays the opened electronic payment means information on the user interface unit, and when the updated deposit information is received from the balance deposit apparatus, the deposit information of the electronic payment means An electronic payment means driving unit for updating the electronic payment means;
Lt; / RTI > ◈ Claim 3 is abandoned due to the registration fee. 3. The method of claim 2,
Wherein the electronic payment means information displayed on the user interface unit is in the form of at least one of a bar code, an electronic tag, and an NFC (Near Field Communication). A communication unit for communicating with a user terminal or a balance deposit apparatus;
An output section;
An electronic payment means recognition unit for recognizing the electronic payment means information including the identification information of the electronic payment means displayed on the user terminal and the deposit; And
When a balance deposit instruction for the balance remaining after the purchase of the commodity cash is inputted, a balance deposit request signal including the identification information of the recognized electronic payment means, the identification information of the user terminal and the balance is transmitted to the balance deposit apparatus And when the account of the merchant corresponding to the buried device including the communication unit does not exist, when the payment request amount information based on the remaining deposit is received from the balance deposit apparatus, the payment request amount and the account number to be transferred A balance deposit requesting unit for controlling the payment request amount information to be output through the output unit;
. ◈ Claim 5 is abandoned due to the registration fee. 5. The method of claim 4,
When the payment instruction using the deposit of the electronic payment means recognized by the electronic payment means recognition section is input, the payment request signal including the identification information of the electronic payment means and the payment amount is transmitted to the balance deposit apparatus through the communication section And a settlement processing unit for performing a settlement process of the settlement amount. ◈ Claim 6 is abandoned due to the registration fee. 5. The method of claim 4,
Wherein the electronic payment means recognition unit is a reader for recognizing at least one electronic payment means information among barcodes, electronic tags and NFC displayed on the user terminal. A communication unit for communication with a user terminal or a buried device;
An electronic payment means information database storing identification information of the electronic payment means for each user terminal and the deposit;
When the balance deposit request signal including the balance, the user terminal identification information, and the identification information of the electronic payment means is received from the store through the communication unit, the user authentication is performed using the user terminal identification information and the identification information of the electronic payment means An authentication unit that performs authentication; And
When the authentication result of the authentication unit indicates that the user is an authenticated user, depositing the balance in the electronic payment means and transmitting the updated deposit information to the user terminal, and when the account of the seller corresponding to the store apparatus is not present, A balance deposit processing unit for accumulating the balance in the payment means, accumulating the balance in the filling apparatus as the payment request amount, and transmitting the accumulated payment request amount information to the filling apparatus;
. ◈ Claim 8 is abandoned due to the registration fee. 8. The method of claim 7,
When the settlement request signal including the settlement amount, the user terminal identification information, and the identification information of the electronic payment means is received from the store device through the communication unit, the settlement amount is subtracted from the deposit stored in the electronic payment means information database, Further comprising: a settlement processor for transmitting a result of the settlement to the user equipment and transmitting the updated deposit information to the user terminal. ◈ Claim 9 is abandoned upon payment of registration fee. 8. The method of claim 7,
Wherein the remaining amount deposit processing unit judges whether or not an account of the seller corresponding to the buried device exists in the electronic payment means information database, and if there is a result of the determination, transfers the balance amount from the seller's account to the electronic payment means And transmits the seller's request for opening an account and a remaining amount non-depositable message to the buried device if the seller does not exist. ◈ Claim 10 is abandoned due to the registration fee. (a) displaying the opened electronic payment means information including the identification information of the electronic payment means and the deposit, when the user terminal that opens the electronic payment means in the balance deposit apparatus drives the balance deposit application;
(b) when the store device recognizes the electronic payment means information displayed on the user terminal, displays an electronic payment means information recognition screen displaying at least one of the identification information of the electronic payment means, the deposit, the balance deposit instruction and the payment instruction ;
(c) when the balance deposit instruction is inputted on the electronic payment means information recognition screen, the balance apparatus transmits a balance deposit request signal including the balance remaining after the purchase of the commodity cash, the user terminal identification information and the identification information of the electronic payment means To the balance deposit apparatus;
(d) the balance deposit apparatus performs user authentication using the user terminal identification information and the identification information of the electronic payment means, and when the user is an authenticated user, depositing the balance in the electronic payment means to update the deposit, Transmitting the updated deposit information to the user terminal;
(e) updating the pre-stored deposit information with the deposit information by the user terminal; And
(f) depositing the balance to the electronic payment means when the balance deposit apparatus does not have an account of the seller corresponding to the store apparatus, accumulating the balance as a payment request amount in the store apparatus, And transmitting the requested payment amount information to the buried device
Wherein the electronic settlement means is provided with an electronic payment means. ◈ Claim 11 is abandoned due to registration fee. 11. The method of claim 10,
After the step (b)
Transmitting a settlement request signal including the settlement amount, the user terminal identification information, and the identification information of the electronic payment means to the balance deposit apparatus when the settlement command is inputted in the electronic payment means information recognition screen;
Wherein the balance deposit apparatus performs user authentication using the user terminal identification information and the identification information of the electronic payment means, and when the user is an authenticated user, processing the payment by subtracting the payment amount from the deposit of the electronic payment means, Updating the deposit by settlement; And
Further comprising the step of transferring the settlement result to the user equipment when the settlement apparatus transmits the settlement result to the store apparatus. ◈ Claim 12 is abandoned due to registration fee. A method for providing a balance deposit service using a user terminal to an electronic payment means,
Displaying the opened electronic payment means information including the identification information of the electronic payment means and the deposit when the balance deposit application is activated;
Receiving the updated deposit information from the balance deposit apparatus when the electronic payment means information is recognized by the burial apparatus and a balance deposit or payment transaction is requested; And
Updating the pre-stored deposit information with the received deposit information;
Wherein the electronic settlement means is provided with an electronic payment means. ◈ Claim 13 is abandoned due to registration fee. 13. The method of claim 12,
Further comprising the step of requesting opening of the electronic deposit means to the balance deposit apparatus and receiving and storing the electronic payment means information opened from the balance deposit apparatus. ◈ Claim 14 is abandoned due to registration fee. Displaying the opened electronic payment means information including the identification information of the electronic payment means and the deposit when the balance deposit application is activated;
Receiving the updated deposit information from the balance deposit apparatus when the electronic payment means information is recognized by the burial apparatus and a balance deposit or payment transaction is requested; And
And updating the pre-stored deposit information with the received deposit information, wherein the method further comprises the steps of: storing the pre-stored deposit information in a storage medium; ◈ Claim 15 is abandoned due to registration fee. A method for providing a deposit settlement service using an electronic payment means,
When the identification information of the electronic payment means displayed on the user terminal and the electronic payment means information including the deposit are recognized, at least one of the identification information of the electronic payment means, the deposit, the balance deposit instruction and the payment instruction is displayed, Displaying a recognition screen;
When the balance deposit instruction is inputted on the electronic payment means information recognition screen, a balance deposit request signal including the balance remaining after the purchase of the commodity cash, the user terminal identification information, and the identification information of the electronic payment means is transmitted to the balance deposit apparatus , Receiving a balance deposit result as a result; And
When the account of the merchant corresponding to the burial device does not exist in the balance deposit apparatus, when receiving the payment request amount information based on the balance deposit from the balance deposit apparatus, the payment request amount and the account number to be transferred Outputting the requested amount information
Wherein the electronic settlement means is provided with an electronic payment means. ◈ Claim 16 is abandoned due to registration fee. 16. The method of claim 15,
When the payment instruction using the deposit is input in the electronic payment means information recognition screen, the payment request signal including the payment amount, the user terminal identification information and the identification information of the electronic payment means is transmitted to the balance deposit apparatus, Further comprising the step of receiving a settlement processing result of the electronic settlement means. ◈ Claim 17 is abandoned due to registration fee. When the identification information of the electronic payment means displayed on the user terminal and the electronic payment means information including the deposit are recognized, at least one of the identification information of the electronic payment means, the deposit, the balance deposit instruction and the payment instruction is displayed, Displaying a recognition screen;
When the balance deposit instruction is inputted on the electronic payment means information recognition screen, a balance deposit request signal including the balance remaining after the purchase of the commodity cash, the user terminal identification information, and the identification information of the electronic payment means is transmitted to the balance deposit apparatus , Receiving a balance deposit result as a result; And
When the account of the seller corresponding to the store apparatus does not exist in the balance deposit apparatus, when receiving the payment request amount information based on the balance deposit from the balance deposit apparatus, the payment request amount including the payment request amount and the account number to be transferred A method of providing a balance deposit service using an electronic payment means, comprising the step of outputting amount information, is recorded by a program and readable by an electronic device. ◈ Claim 18 is abandoned due to registration fee. A method for providing a balance deposit service using an electronic payment means,
Performing a user authentication using the user terminal identification information and the identification information of the electronic payment means when a balance deposit request signal including the balance, user terminal identification information and identification information of the electronic payment means is received from the store device ;
If the user is the authenticated result of the authentication, updating the deposit by depositing the balance in the electronic payment means and transmitting the updated deposit information to the user terminal; And
Accumulating the balance in the electronic payment means, accumulating the balance as the payment request amount in the burial device when the account of the seller corresponding to the burial device does not exist, And transferring the remaining amount deposit service to the device. ◈ Claim 19 is abandoned due to registration fee. 19. The method of claim 18,
Performing a user authentication using the user terminal identification information and the identification information of the electronic payment means when a settlement request signal including the settlement amount, the user terminal identification information and the identification information of the electronic payment means is received from the store device ;
Processing the settlement by subtracting the settlement amount from the deposit of the electronic payment means if the user is an authenticated result of the authentication, and updating the deposit by the settlement; And
Further comprising the step of transmitting the settlement processing result to the burial device and transmitting the updated deposit information to the user terminal. ◈ Claim 20 is abandoned due to registration fee. Performing a user authentication using the user terminal identification information and the identification information of the electronic payment means when a balance deposit request signal including the balance, user terminal identification information and identification information of the electronic payment means is received from the store device ;
If the user is the authenticated result of the authentication, updating the deposit by depositing the balance in the electronic payment means and transmitting the updated deposit information to the user terminal; And
Accumulating the balance in the electronic payment means, accumulating the balance as the payment request amount in the burial device when the account of the seller corresponding to the burial device does not exist, And transferring the electronic money to the electronic money management apparatus.

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