KR102270259B1 - Method and system for mobile payment of celebrating or mourning expense including check of validity - Google Patents

Abstract

The present invention relates to a method of performing a payment in a server. The method comprises the steps of: receiving, from a first user terminal, family event information about a second user who is a user of a second user terminal; receiving transfer request information to a second user account based on the credit card payment request of the first user; receiving location information of the second user terminal; determining the validity of the family event information based on the received location information of the second user terminal and family event information about the second user; performing payment based on the credit card information of the first user; and transferring a portion of the paid first user's credit card amount to the second user account. It is possible to quickly and easily transfer the expense for the family event through credit card payment.

Description

Simple payment method and system for expenses for congratulations and condolences {METHOD AND SYSTEM FOR MOBILE PAYMENT OF CELEBRATING OR MOURNING EXPENSE INCLUDING CHECK OF VALIDITY}

The present invention relates to a method and system for simple payment of congratulatory and congratulatory expenses including validation, and more particularly, to a method and system for conveniently performing a payment process based on card payment when cash equivalent payment is required such as congratulations and congratulations expenses. .

With the rapid spread of portable terminals and the expansion of networks, mobile payments using the Internet have become possible anytime, anywhere. In banks and fintech companies, simple payment and simple remittance services using open banking technology are being activated. In particular, recently, not only card companies, but also distribution companies and general companies are introducing pay-based payment systems using barcodes or QR codes.

When paying users' expenses, mobile terminal-based simple payment functions such as credit card payment using the NFC function of the mobile terminal and online payment using a credit card app, apps (programs) installed therein, and QR codes are utilized. . In addition, the simple remittance system is also widely applied in real life, and various companies are providing various services in the remittance market such as remittance for congratulations and condolences and Dutch Pay.

However, in reality, card payment and remittance services are not combined with each other. For example, in order to send wedding congratulatory money directly through a credit card, it is inconvenient to use cash advance and pay a considerable fee.

In particular, there are inconveniences such as collecting original wedding invitations and deputy advisors (condolences) and managing them as evidence in order to handle the cost of congratulations and condolences. Congratulatory events such as corporate employees, affiliates, and partners are not limited to individual events and are directly related to corporate work, welfare, and partnerships, so from the company's point of view, congratulations and congratulations can be understood as a type of business.

Although congratulations and condolences are understood as a type of corporate work, in reality, the person in charge of congratulations and condolences who suddenly received information on the obituary pays the dues at their own expense, and handles inconvenient forms of expenses such as receiving compensation from the accounting team later. The method continues to exist.

Therefore, in the present disclosure, a method and system for remittance of expenses for a congratulations and congratulations event through a card payment in an environment that requires a quick cash transfer, such as a congratulatory and eventful situation, will be specifically described.

The present invention is to solve the above-described problems of the prior art, it is possible to quickly and conveniently pay for the expenses for congratulations and condolences through card payment.

An embodiment of the present invention relates to a method of performing a payment in a server, the method comprising the steps of: receiving, from a first user terminal, congratulatory and condolence information about a second user who is a user of a second user terminal; receiving transfer request information to a second user account based on the card payment request of the first user; receiving location information of the second user terminal; determining validity of the congratulatory and condolence information based on the received location information of the second user terminal and congratulatory/condolence information about a second user; performing payment based on the card information of the first user; and remittance of a partial amount of the paid first user's card price to the second user account.

In addition, the step of determining the validity of the congratulatory and condolence information may include comparing the location information of the wedding hall or funeral hall included in the congratulation and condolence information with the location information of the second user terminal, and whether it is located within a certain range in a preset time period It is characterized by judging by

In addition, the account of the second user is an account registered in the server, and the second user is a user who has undergone an authentication process in the server.

In addition, the first user is a user who pays the cost of the congratulations and condolences, and the second user is a party to the congratulations or congratulations or a person delegated by the party.

In addition, the card of the first user is characterized in that it is a corporate card issued to the first user.

Another example of the present invention relates to a mobile payment system, the first user terminal; a second user terminal; and a payment server, wherein the payment server receives, from the first user terminal, congratulations and condolences information about a second user who is a user of the second user terminal, and requests a card payment of the first user from the first user terminal Receive transfer request information to a second user account based on , receive location information of the second user terminal, and receive the congratulatory event information based on the location information of the second user terminal and the congratulatory event information about the second user is set to determine the validity of the card, perform a payment based on the card information of the first user, and remit a partial amount of the paid card price of the first user to the second user account.

In addition, the payment server compares the location information of the wedding hall or funeral hall included in the congratulatory and condolence information with the location information of the second user terminal, and determines whether the information is valid in a predetermined time section by determining whether it is located within a certain range. to judge

In addition, the account of the second user is an account previously registered in the payment server, and the second user is a user who has undergone an authentication process in the payment server.

In addition, the first user is a user who pays the cost of the congratulations and condolences, and the second user is a party to the congratulations or congratulations or a person delegated by the party.

In addition, the card of the first user is characterized in that it is a corporate card issued to the first user.

The present invention provides a simple payment method and system including location-based validation, wherein a predetermined amount can be transferred to a recipient's account by simply paying by card in a payment terminal.

According to the present invention, it is possible to transfer the cost of congratulations and condolences through card payment even in the absence of cash.

According to the present invention, it is possible to prove the transparent use of expenses for congratulations and condolences from the point of view of a company using a corporate card, which can be utilized for cost processing.

According to the present invention, there is an advantageous effect that the user receiving the expenses for congratulations and condolences can accurately manage from whom.

1 is a diagram illustrating a mobile payment method according to an example of the present invention.
2 is a flowchart illustrating a mobile payment process according to an example of the present invention in chronological order.
3 is a block diagram conceptually illustrating the configuration of a payment server according to an example of the present invention.
4 is a view showing a card payment process for a wedding gift according to an embodiment of the present invention.
5 is a diagram illustrating a card payment process for a funeral donation according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily implement them. However, the present invention may be embodied in many different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification, when a part is "connected" with another part, this includes not only the case of being "directly connected" but also the case of being "electrically connected" with another element interposed therebetween. . In addition, when a part "includes" a certain component, this means that other components may be further included rather than excluding other components unless otherwise stated.

In this specification, a "part" includes a unit realized by hardware, a unit realized by software, and a unit realized using both. In addition, one unit may be implemented using two or more hardware, and two or more units may be implemented by one hardware. Meanwhile, '~ unit' is not limited to software or hardware, and '~ unit' may be configured to be in an addressable storage medium or may be configured to reproduce one or more processors. Thus, as an example, '~' denotes components such as software components, object-oriented software components, class components, and task components, and processes, functions, properties, and procedures. , subroutines, segments of program code, drivers, firmware, microcode, circuitry, data, databases, data structures, tables, arrays and variables. The functions provided in the components and '~ units' may be combined into a smaller number of components and '~ units' or further separated into additional components and '~ units'. In addition, components and '~ units' may be implemented to play one or more CPUs in a device or secure multimedia card.

The "user terminal" referred to below may be implemented as a computer or portable terminal that can access a server or other terminal through a network. Here, the computer includes, for example, a laptop equipped with a web browser (WEB Browser), a desktop, a laptop, and the like, and the portable terminal is, for example, a wireless communication device that ensures portability and mobility. , IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet), LTE (Long Term Evolution) communication-based terminal, smart It may include all kinds of handheld-based wireless communication devices such as a phone, a tablet PC, and the like. In addition, “network” refers to a wired network such as a local area network (LAN), a wide area network (WAN) or a value added network (VAN) or a mobile radio communication network or satellite It may be implemented as any kind of wireless network, such as a communication network.

1 is a diagram illustrating a mobile payment method according to an example of the present invention.

As shown in FIG. 1 , the first user may remit a predetermined amount to the second user by using the first user terminal 100 . In the present invention, the first user may be a money sender, and the second user may be a money recipient.

When a request for remittance from the first user terminal 100 to the account of the second user is requested from the payment server 300 , the payment server 300 sends an amount corresponding to the amount of remittance requested from the account of the first user to the second user's account. You can transfer money to your account. The second user may check whether the remittance to the account of the second user is completed through the second user terminal 200 .

Recently, as the simple remittance system has become popular in the financial industry, remittance can be performed through a simplified authentication process such as fingerprint authentication or simple password when the amount is less than a certain amount.

In particular, in recent years, as the public certificate system has been reduced, authentication methods for simple remittance have been diversified, and various technologies for authentication through a minimum step using a user terminal are being developed.

However, there is a method that is slightly different from this simple remittance system, and instead of remitting the amount the first user has in the account, the first user pays the first user's card, and all or part of the payment amount is transferred to the second user. There is a way to transfer.

In the case of existing card merchants, this is done by collectively settling the card price paid for a certain period (eg, 1 month, at the earliest, about 3 to 4 days), and transfers the payment amount for each card payment. is not done in real time.

This is because, in the past environment where computerized processing technology was not developed, the process of settlement of each payment was inefficient and there is a possibility of card payment cancellation.

Also, for other reasons, it is often called 'card gang', and there is some possibility of illegal discount loans rather than normal transaction activities, so the cashing of card payments has been subject to various regulations.

In the case of a normal transaction, since it is a simple and efficient method to quickly pay the counterparty through card payment, such a payment method and system will be specifically disclosed below.

2 is a flowchart illustrating a mobile payment process according to an example of the present invention in chronological order.

The payment server may receive congratulations and condolences information about the second user from the first user terminal (S210). In the case of congratulations and condolences, it is concerned with various events such as personal circumstances and family events. Examples of congratulations and congratulations include weddings, 60th birthdays, seventies, eighties, first birthday parties, 100th anniversary parties, birthday parties, publication commemorative events, foundation ceremonies, and anniversary celebrations. may be applicable. In addition, examples of investigations may include sad and mourning events such as funerals and hospitalizations. In the present invention, for convenience of explanation, weddings and funerals that occur frequently in daily life will be described as examples.

The first user may receive congratulations and congratulations information through the terminal, and may receive it in a manner such as SMS text message, SNS, or mail. The received congratulatory and condolence information basically includes information such as the person or the person's family information, date and time, and place. Congratulatory and condolence information is not necessarily transmitted through the payment server, and it is sufficient if it is transmitted to the first user terminal through any path.

The first user who has received the congratulation and congratulations information may check the contents of the congratulations and congratulations, prepare the congratulations and congratulations expenses (congratulatory or congratulatory money) in advance, and deliver it to the party or the family of the party at the place A delivery method based on card payment will be described.

The first user terminal may transmit remittance request information to the second user account based on the card payment request of the first user, and the server may receive remittance request information based on the card payment (S220).

The payment server may be a server connected to the first user terminal and the second user terminal through a network, and may be a server that performs card payment for the first user and remittance (transfer) to the account of the second user.

The payment server may be a single server, and in some cases, a server group to which a plurality of servers are connected according to a function to be performed. For example, a server performing card payment and a server performing remittance to an account may be combined or separated.

The first user may request remittance of a predetermined amount to the account of the second user through the first user terminal. For example, the first user may request a remittance of 100,000 won to the second user's account by paying the first user's card (eg, credit card).

The server (payment server) may specify the first user who uses the card payment and the second user who is the recipient of the remittance based on the received remittance request information.

The server may request location information from the specified second user terminal. For example, the server may request the second user terminal for location information from 11 am to 3 pm on October 3, 2020, when the wedding ceremony is held. Accordingly, the server may receive the location information from the second user terminal (S230).

The server may parse the time, place, and party information at which the congratulations and condolences occur from the received congratulation and condolence information. Data and terms such as wedding invitations (including mobile wedding invitations) and deputy advisors, which can be viewed as congratulatory and congratulatory information, are standardized to some extent.

The first user may receive congratulatory and condolence information by mail, message, SNS, etc., and may photograph a wedding invitation received by mail at the first user terminal, or recognize and parse text from messages and SNS information.

The server may determine the validity of the congratulation and condolence information based on the received location information of the second user terminal and the congratulatory/congratulatory information ( S240 ). The server may receive information from the second user terminal indicating that the second user terminal was located in a specific area (eg, wedding hall) from 11 am to 3 pm on October 3, 2020.

The second user terminal may store location information in the terminal. The storage unit (second user management unit) of the second user terminal may include location information and movement information of the second user within a predetermined period. The location of the user terminal may be transmitted and stored not only in the user terminal but also in the server (cloud).

The location information of the user terminal may be location information specified through a Geographic Positioning System (GPS) of the terminal. Alternatively, it may be information acquired and specified through an access point (AP) located indoors or a separate location specifying device.

The location information of the user terminal may be location information specified through short-range communication with another user terminal. For example, the location information of the second user terminal may be specified through GPS, and the second user terminal may specify the location while performing short-distance communication (eg, Wi-Fi Direct or Bluetooth, etc.) with another user. have.

Since the location information of the user terminal in the present invention is location information based on GPS, etc., it does not necessarily indicate an absolute location, and it is preferable to understand it within a certain area error range. Accordingly, the server may store the received location information by setting it as a range.

The server may compare the location information of the second user terminal with the location information of the congratulatory and congratulations information in order to determine the validity of the congratulation and congratulations and congratulations information, and determine whether it is located within a certain range in a preset time interval.

For example, the server may determine whether the location of the second user terminal from 11 am to 3 pm on October 3, 2020 is at a location included in the congratulations and condolences information. The server may determine that it was in the same location within the corresponding time period, and based on this, it may determine that the congratulations and condolence information is valid.

There are several cases where the server does not determine that the payment is invalid. When the location of the second user terminal is out of the area within the corresponding time period, or when the location is specified only in some short time period of the corresponding time period, the server may determine that the second user terminal is not in the location for congratulations or condolences, based on this Therefore, it may be judged that the congratulatory and condolence information is invalid.

The time interval, which is the basis of whether or not there was a congratulations or condolences position, is a part that can be set by the second user's intention, and the server periodically or aperiodically requests the location information of the second user terminal within the set time interval, and can receive

When it is determined that the congratulatory and condolence information is valid, the server may perform payment based on the card information of the first user (S250). The card information of the first user may be authenticated whether it is pre-registered in the server and valid.

For example, the server may pay an amount of 106,000 won through the card payment of the first user. Since the part of performing card payment is a technique widely used in actual transactions, a detailed description thereof will be omitted.

The server may remit a partial amount of the amount paid by the first user's card to the second user's account (S260). The account information of the second user may also be authenticated whether it is already registered in the server and valid.

For example, the server may remit 100,000 won, which is a part of the card payment amount of 106,000 won, to the second user's account. At this time, the difference between the payment amount and the remittance amount of 6,000 won may be understood as a fee for the payment process.

In the present invention, although the difference between the payment amount and the remittance amount is set as a fee for the payment process, it is not necessarily limited thereto, and it is preferable to broadly understand that the entire payment amount may be the remittance amount in terms of partnership or promotion.

It has been described that all or part of the card payment amount of the first user is transferred to the account of the second user through the payment process of S210 to S260. The process from the card payment request of the first user terminal to the remittance of the second user account in the present invention is characterized in that it is performed as quickly as possible.

For example, as the first user starts to operate the application to send money to the second user, the entire process may be completed within 24 hours, and preferably, the transfer to the second user is completed as soon as the first card payment is completed. can be

This time problem is a policy part of the card companies and related payment companies that settle the payment amount, and since technical support is sufficiently available, the entire process of payment and remittance in the present invention is characterized in that it is performed on the same day.

3 is a block diagram conceptually illustrating the configuration of a payment server according to an example of the present invention.

The payment server 300 according to an embodiment of the present invention includes a first user management unit 310 , a second user management unit 320 , a payment means DB 330 , an authentication processing unit 340 , and a control unit 350 .

The first user management unit 310 according to an embodiment of the present invention includes information on the first user terminal, location information on the first user terminal, card information on the first user, card payment information on the first user, and schedule on the first user. Manage at least one or more of the information.

The first user manager 310 may store information of the first user terminal. In the case of the first user terminal, a GPS module may be mounted, and a location specifying module of another method may be mounted. For example, in addition to GPS, it may include a communication module such as Wi-Fi Direct, Bluetooth, and a beacon. The first user manager 310 may request the first user terminal to change the setting so that the location specifying function of the first user terminal is operated.

The first user manager 310 may store location information of the first user terminal. The first user manager 310 may store the moving path of the first user and location information for each time period. Since the first user management unit 310 cannot directly specify the moving path of the first user and location information for each time period, the information may be obtained by requesting and receiving the corresponding information from the first user terminal.

Since the first user is a user requesting card payment, the first user management unit 310 may store one or more card information of the first user and information necessary for payment. When the first user uses a plurality of cards, it is possible to make a settlement by summing payment amounts by using one card or a combination of a plurality of cards according to priority.

The first user manager 310 may include schedule information of the first user. The first user may register a schedule through a schedule management program or a reservation program, and the first user management unit 310 may store the first user's schedule and location information of the schedule. For example, when the first user is scheduled to attend a wedding ceremony at the wedding hall at 1:30 pm, the first user management unit 310 may store such schedule information and location information specified at the time.

The first user management unit 310 may determine the validity of the member information of the first user. For example, when the first user joins the application as a member, the first user management unit 310 may verify whether the corresponding member information is valid. For example, it is possible to check whether the first user is a normal member through identification information such as passport and driver's license, and for example, through authentication methods such as credit card number authentication, SMS authentication, fingerprint authentication, etc. You can verify the validity of the user's member information.

The second user management unit 320 manages at least one of information of the second user terminal, location information of the second user terminal, account information of the second user, affiliation information of the second user, and schedule information of the second user do.

The second user manager 320 may store information of the second user terminal. In the case of the second user terminal, a GPS module may be mounted, and a location specifying module of another method may be mounted. For example, in addition to GPS, it may include a communication module such as Wi-Fi Direct, Bluetooth, and a beacon. The second user manager 310 may request the second user terminal to change the setting so that the location specifying function of the second user terminal is operated.

The second user manager 320 may store location information of the second user terminal. The second user management unit 320 may store the movement path of the second user and location information for each time period. Since the second user management unit 320 cannot directly specify the movement path of the second user and the location information for each time period, the information may be obtained by requesting and receiving the corresponding information from the second user terminal.

Since the second user is a remittee who receives all or part of the first user's card payment, the second user management unit 320 may store one or more account information of the second user. When the second user uses a plurality of accounts, it is possible to set remittance to one account according to priority or to receive a transfer through a combination of a plurality of accounts.

The second user management unit 320 may determine the validity of the affiliation information of the second user. For example, when the second user joins the application as a member, the second user management unit 320 may verify whether the corresponding member information is valid. For example, it is possible to check whether the second user is a normal member through identification information such as passport and driver's license, and for example, through authentication methods such as credit card number authentication, SMS authentication, fingerprint authentication, etc. You can verify the validity of the user's member information.

In addition, since the second user is a payee, it is possible to verify whether the second user is a payee registered in the server in conjunction with a separate server. For example, when the second user receives a congratulatory money as the groom's parent to be married, it is determined whether the second user is the groom's parent registered in the manager server of the wedding hall, and the affiliation information of the second user may be verified. Since the second user may have a plurality of affiliation information, the second user management unit 320 may verify by interworking with a plurality of servers.

The second user manager 320 may include schedule information of the second user. The second user may register a schedule through a schedule management program or a reservation program, and the second user management unit 320 may store the second user's schedule and location information of the schedule. For example, when the second user is scheduled to have hair trimmed at the hairdressing salon at the wedding hall at 11:30 am, the second user manager 320 may store such schedule information and location information specified at the corresponding time.

The second user management unit 320 may include period information during which the second user can receive expenses for congratulations and condolences. In the case of a wedding, the server may set the period before and after the wedding, such as from the time the wedding invitation is sent to about one week after the wedding, to set the card payment period and receipt period for congratulatory and condolence expenses. However, in the case of a funeral, unlike a wedding ceremony, since it cannot be known in advance, the server may set a period such as one week after the obituary to set the card payment period and receipt period for congratulatory and condolence expenses.

The payment method DB 330 according to an embodiment of the present invention stores payment method information of users related to the server, such as the first user and the second user. The payment means DB 330 may store information on payment means for each card payment user, and may store previous payment details.

The payment means DB 330 may store account information of a remittee who is a recipient of the remittance. It is possible to store account information for each beneficiary and the previous payment history.

The payment method DB 330 may include various payment method information in addition to card payment and remittance methods. In the present invention, although it is mainly described that the first user makes a card payment, it is not necessarily limited thereto, and various payment method related information such as point payment, affiliate payment, securities payment, credit transaction, virtual currency payment, etc. can be stored. have.

Similar to the first user payment method, the payment method DB 330 may store various account information such as a point account, a securities account, a credit account, a virtual currency account, as well as account (account) information of the second user as a payee. .

The selection of the payment method may be determined by at least one of the first user or the second user, and may be determined by the payment method stored in the payment method DB 330 . If a new payment method that is not previously stored in the payment method DB 330 is used, a procedure for registering in the payment method DB 330 may be required first.

The authentication processing unit 340 according to an example of the present invention may verify the validity of the first user's card payment and the second user's receipt of remittance. A process of confirming whether card payment or remittance to the second user account is a normal transaction in the present invention may be based on the fact that the first user and the second user are located in the same space.

In the present invention, the situation in which the first user needs remittance to the second user is mainly described, and validation can be performed in order to verify whether such remittance is an illegal transaction such as a 'card gang' called in real transactions. .

The authentication processing unit 340 may compare the received second user terminal and the congratulatory and congratulatory information to determine whether the unit is located within a predetermined range in a preset time period.

For example, the authentication processing unit 340 may determine whether the location of the second user terminal from 11 am to 3 pm on October 3, 2020 is in the place of congratulations or condolences. The authentication processing unit 340 may determine that the user was in the same position within the corresponding time period, and may determine that the congratulatory and condolence information is valid based on this.

There are several cases in which the authentication processing unit 340 does not determine that the payment is invalid. When the location of the second user terminal is out of the area within the corresponding time period, or when the location is specified only in a part of the time period, the authentication processing unit 340 may determine that the second user terminal is not in the congratulatory/condolence place, , it may be determined that the congratulatory and condolence information is invalid based on this.

The time period as a criterion for whether or not the person was in the same location as the place of congratulations or condolences is a part that can be set by the intention of the second user, and the authentication processing unit 340 periodically or aperiodically or non-periodically within the set time period for the second user It is possible to request and receive location information of the terminal.

The control unit 350 according to an example of the present invention is configured to allow the first user management unit 310 , the second user management unit 320 , the payment means DB 330 , and the authentication processing unit 340 to operate normally in the server 300 . It performs interconnection and data processing so that

Although not shown in FIG. 3 , the server 300 may include various modules such as an input/output unit, a power unit, a display unit, a communication unit, and a storage unit, and a first user terminal, a second user terminal, a card payment server, a bank remittance server Data can be transmitted and received smoothly.

Example 1: wedding congratulatory money

4 is a view showing a card payment process for a wedding congratulatory money according to an embodiment of the present invention.

The server may support the smart phone application to operate in the first user terminal and the second user terminal.

The first user may be a card user, a guest delivering a congratulatory money to the wedding party or the party's family, and the second user may be the cash recipient, in this embodiment the wedding party, the party's family, or a person authorized by the party .

In the case of a wedding gift, it is usually received at the reception desk located at the wedding hall while the wedding is in progress, but in the case of a wedding guest who cannot attend, there are many cases where the gift is delivered before the wedding or after the wedding.

In the present invention, the location of the second user terminal is compared with the location of the wedding venue where the wedding ceremony is held in order to prevent illegal transactions such as card gangs through the process of checking whether the actual wedding ceremony was held, and the wedding ceremony is determined by whether or not the wedding ceremony was present at the time. can be verified.

In the case of a wedding, the second user may be several. In addition to the groom and the bride, who are the main characters of the wedding, the bride's parents and the groom's parents may all be second users. In this case, the entire wedding may be verified through verification of at least one of the plurality of second users.

However, in the present invention, the first user who does not necessarily pay the congratulatory money to the second user by card does not, and the first user does not deliver the congratulatory money separately prepared while attending the wedding, but the congratulatory money can also be delivered by card payment. Therefore, it is possible to verify the wedding ceremony through the location of the first user terminal.

That is, the second user may be located in the wedding hall at the wedding time, and by verifying that the first user terminal is also located in the wedding hall and was in the same place, it is possible to prove that the first user's congratulatory payment is a valid card payment.

The server may remit a part of the card payment amount to the registered second user's account. For example, when the wedding congratulatory money is 100,000 won, the card payer may make a card payment of 106,000 won in which a payment fee of 6,000 won is added to 100,000 won, and the user receiving the congratulatory money may receive 100,000 won.

The payment fee may be determined according to the server operation policy. In general, the payment fee may consist of a service fee for financial settlement and a VAT on the service usage fee.

The service fee for financial settlement may include fees such as card fees and remittance fees. In Korea, when paying by card, the customer does not pay including the card fee, but there is a method in which the customer pays the remittance fee in the account remittance method. In the United States, there is a model in which the customer pays a part of the card fee.

Example 2: Funeral alimony

5 is a diagram illustrating a card payment process for funeral donations according to an embodiment of the present invention.

The server may support the smart phone application to operate in the first user terminal and the second user terminal.

The first user is a card user, and may be a mourner who delivers a congratulatory money to the family of the deceased, and the second user may be a cash recipient, who may be the family of the deceased or a person delegated by the family of the deceased in this embodiment.

Funeral donations are generally received at the reception desk located at the funeral home while the funeral is in progress, but in the case of mourners unable to attend, there are many cases in which donations are delivered after the funeral. In the case of a funeral, it is different from the wedding congratulatory money in that it cannot be delivered in advance.

In the present invention, the location of the second user terminal is compared with the location of the funeral home where the funeral is held in order to prevent illegal transactions such as card gangs through the process of confirming whether the actual funeral has been carried out, and the funeral is based on whether or not the funeral was present at the time. can be verified.

In the case of a funeral, the second user may be several. The deceased's spouse, children, parents, and the deceased's brothers and sisters may all be secondary users. In this case, the entire funeral verification may be performed through the funeral verification of at least one of the plurality of second users.

However, according to the present invention, the first user who does not necessarily attend does not make a card payment to the second user, and the first user also attends the funeral and pays tribute to the funeral, and does not deliver the separately prepared deposit, but transfers the deposit by card payment. Also, it is possible to verify the funeral through the location of the first user terminal.

That is, the second user may be located at the funeral home during the funeral period, and by verifying that the first user terminal is also located at the funeral home and was in the same place, it is possible to prove that the payment of the down payment of the first user is a valid card payment.

The server may remit a part of the card payment amount to the registered second user's account. For example, when the funeral payment is 100,000 won, the card payer may pay 106,000 won with a payment fee of 6,000 won added to 100,000 won, and the user receiving the funeral may receive 100,000 won.

The payment fee may be determined according to the server operation policy. In general, the payment fee may consist of a service fee for financial settlement and a VAT on the service usage fee.

The service fee for financial settlement may include fees such as card fees and remittance fees. In Korea, when paying by card, the customer does not pay including the card fee, but there is a method in which the customer pays the remittance fee in the account remittance method. In the United States, there is a model in which the customer pays a part of the card fee.

An embodiment of the present invention may also be implemented in the form of a recording medium including instructions executable by a computer, such as a program module executed by a computer. 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. Also, computer-readable media 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 computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave, or other transport mechanism, and includes any information delivery media.

Although the methods and systems of the present invention have been described with reference to specific embodiments, some or all of their components or operations may be implemented using a computer system having a general purpose hardware architecture.

The above description of the present invention is for illustration, and those of ordinary skill in the art to which the present invention pertains can understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a dispersed form, and likewise components described as distributed may be implemented in a combined form.

The scope of the present invention is indicated by the following claims rather than the above detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalent concepts should be interpreted as being included in the scope of the present invention. do.

100: first user terminal
200: second user terminal
300: payment server

Claims (10)

In the method of performing a payment in a server,
Receiving congratulatory and condolence information about a second user who is a user of the second user terminal from the first user terminal;
receiving transfer request information to a second user account based on the card payment request of the first user;
receiving location information of the second user terminal;
determining the validity of the congratulatory and condolence information based on the received location information of the second user terminal and congratulations and condolence information about a second user;
performing payment based on the card information of the first user; and
Remittance of a partial amount of the payment of the first user's card to the second user account;
The first user is a user who pays for congratulations and condolences,
The second user is a party to the congratulations or condolences or a person delegated by the party,
The step of determining the validity of the congratulations and condolences information includes:
By comparing the location information of the wedding hall or funeral home included in the congratulatory and congratulatory information and the location information of the second user terminal, it is determined whether the second user terminal is located within a certain range in the wedding hall or funeral home in the congratulations and condolences time section. with
The time of requesting the transfer from the first user terminal to the second user account is the period registered in the server,
The mobile payment method, characterized in that the step of remittance to the second user account comprises remittance to the second user account when it is determined that there is validity in the congratulations and condolences time period. delete According to claim 1,
The account of the second user is an account registered in the server,
The second user is a user who has undergone an authentication process in the server, a mobile payment method. delete According to claim 1,
The first user's card,
A mobile payment method, characterized in that the corporate card issued to the first user. In the mobile payment system,
a first user terminal;
a second user terminal; and
a payment server;
The payment server,
Receive congratulations and condolences information about a second user who is a user of the second user terminal from the first user terminal,
receiving transfer request information from the first user terminal to a second user account based on the card payment request of the first user;
Receive the location information of the second user terminal,
based on the location information of the second user terminal and the congratulatory and condolence information about the second user, determining the validity of the congratulations and condolences information;
Perform payment based on the card information of the first user,
It is set to remit a partial amount of the paid first user's card price to the second user account,
The first user is a user who pays for congratulations and condolences,
The second user is a party to the congratulations or condolences or a person delegated by the party,
The payment server,
By comparing the location information of the wedding hall or funeral home included in the congratulation and condolence information and the location information of the second user terminal, the second user terminal is located within a certain range at the wedding hall or funeral home in the congratulations and congratulations time section. Characterized in determining the validity,
The time of requesting the transfer from the first user terminal to the second user account is the period registered in the server,
The mobile payment system, characterized in that the remittance is set to the second user account when it is determined that there is validity in the congratulations and condolences time section. delete 7. The method of claim 6,
The account of the second user is an account previously registered in the payment server,
The mobile payment system, characterized in that the second user is a user who has undergone an authentication process in the payment server. delete 7. The method of claim 6,
The first user's card,
The mobile payment system, characterized in that the corporate card issued to the first user.

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