KR20020061578A - Method of go Dutch using Credit Card - Google Patents

Abstract

PURPOSE: A method for collecting expenses using a credit card is provided to simply the process of collecting expenses make an expense sharing method be simplified and activate an expense sharing transaction in the case that a cost is shared. CONSTITUTION: If a button of a card approval terminal is pressed, a display window for asking a sharing expense or not is displayed on the card approval terminal, and persons who promises a cost sharing payment select a sharing expense payment(S171). It is selected whether the cost is shared equally or not on the display window of the card approval terminal(S172). In the case that the cost is shared equally, the persons who promise a cost sharing payment reads one's card in the card approval terminal, respectively, in accordance with contents displayed on the card approval terminal(S173-1). At this time, a cost inputting process for obtaining an approval with respect to the sharing expense from a card company is performed between the above(S172) stage and the(S173-1) stage, or after the(S173-1). An amount of the inputted cost is the total amount of money of each person who promises a cost sharing payment. If the cost is inputted, the card company decides an approval or not of the persons whose cards have been read trough the card approval terminal(S200). If any disqualification reason is not existed, the sharing expense is approved. The card company demands a payment to the person adapted to a paying date, respectively(S300).

Description

How to collect costs using a credit card {Method of go Dutch using Credit Card}

The present invention relates to a method of collecting costs using a credit card, and more particularly, to a method of collecting costs using a credit card, in which a credit card is charged to each individual who applied for a distribution by a card company.

In the event of a meeting with many people, such as a dinner, the cost of meeting is calculated by each person. This is called Dutch pay, and it is becoming almost popular. Representative methods of the self-collecting method include the method of cashing out each person on the spot and cashing, and one of the gathered people calculates their credit card and then bills the other person separately. Used.

By the way, the method of extracting and calculating cash on the fly is convenient, but it is often impossible depending on the size of the expense. When one person calculates their credit card and receives a separate payment for each part, there are various problems. Examples of this include the trouble of having to pay a credit card to someone else in the future to teach his or her bank account, and to have several reminders for those who haven't paid. . And there can be bad feelings between the person who pays by credit card and the person who doesn't pay the money, and the person who doesn't pay the money may be unintentionally recognized as bad by the acquaintances. have.

Therefore, although the self-collecting method has many advantages, it is often reluctant to self-collecting method due to the above-mentioned problems.

Accordingly, the technical problem to be achieved by the present invention is to provide a cost collection method using a credit card that can simplify the collection method when trying to collect costs.

1A to 1K are flowcharts for describing embodiments of the present invention.

Method of collecting costs using a credit card according to an embodiment of the present invention for achieving the above technical problem: requesting a cost collection payment using a credit card of the people who promised to collect the payment (S100) )Wow; Approving for each of the people that the card company has promised to collect the payment (S200); The card company is characterized in that it comprises a step (S300) for claiming each of the corresponding costs for each of those who approved the cost collection payment.

In accordance with another aspect of the present invention for achieving the above technical problem, a method of collecting costs using a credit card: In the payment of electronic commerce, credit card number of each person who decides to pay by collecting the cost, Inputting a total amount to be paid by all the people who have promised to collect and pay the fee, and select a fee settlement requesting a fee settlement settlement (S410); (S420) acknowledgment is made to each person who has promised to collect the payment by the approver. Claims are characterized in that it comprises a step (S430) for claiming each of the costs for each person who has approved the cost collection payment.

According to another aspect of the present invention for achieving the above technical problem is a method of collecting costs using a credit card: In the payment of electronic commerce, credit card number of each person who decided to collect the payment and collect the number Inputting a cost corresponding to each of those who have made a payment, selecting a fee payment, and requesting a fee fee payment (S510); Acknowledgment is made to each person who has promised to collect the payment by the approver (S520); Claims are characterized in that it comprises a step (S530) for claiming each of the costs for each person who has approved the cost collection payment.

Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings.

1A to 1K are flowcharts for describing embodiments of the present invention.

The method of collecting costs using a credit card is divided into a method of approving an electronic commerce that is approved using a card approval terminal, and is divided into a case of uniformly collecting costs and a case of unevenly collecting money.

First, the case where cost is decided uniformly will be described.

Example 1

This embodiment will be described with reference to FIG. 1A.

First, when the button of the card approval terminal is pressed, a display window asking whether the transaction is a card collection appears on the card approval terminal. That is, this embodiment is made by configuring the card usage system so as to be made irrespective of the type of credit card to be used. Then, those who have promised to collect and pay the costs choose a payment settlement (S111).

Next, the credit card of each person who promises to collect and pay the costs according to the contents displayed on the card approval terminal is read to the card approval terminal (S112).

Meanwhile, the card company determines whether to approve the transaction according to the contents input through the card approval terminal. The cost for obtaining approval from the card company for the pledged transaction, that is, the input of the payment amount is before the above-mentioned step (S111) or between the above-mentioned (S111) and the above-mentioned (S112) step or the above-mentioned step (S112). It is entered later. At this time, the input payment amount is the sum of the amounts to be paid by each person who promises to make a payment.

When the above-mentioned step (S112) is completed and the cost is input through the card approval terminal, the card company, each of those who promised to settle the amount and the cost of the input cost divided by the number of persons, that is, the card approval terminal It is determined whether to approve each person for their credit card has been read through (S200). The card company decides whether to approve all the people whose credit cards have been read through the card approval terminal, but if any one of them has a reason for disqualification, they will not approve the payment.

The card company bills the corresponding costs to be collected according to the settlement date of each person who approves the cost collection payment (S300).

Example 2

This embodiment is described with reference to FIG. 1B.

First, when the credit card of any one selected from those who promised to collect the payment is read to the card approval terminal (S121), a display window asking whether to make a transaction is displayed on the card approval terminal. If the read credit card is a credit card that has a function of asking whether it is a transaction or not, a display window for asking whether or not the transaction is made by reading the credit card is displayed on the card approval terminal. In addition, when the card usage system is configured to select whether or not to collect a transaction for all credit cards, a display window is displayed asking whether the transaction is a purchase in all transactions using the credit card by reading the credit card.

Next, the person who reads his or her credit card on the card approval terminal selects a payment settlement according to the contents displayed on the card approval terminal (S122).

Then, the credit card of each person except the person who read his credit card in the card approval terminal in the previous step is respectively read in the card approval terminal according to the contents displayed on the card approval terminal (S123).

The input of the cost for acquiring the approval for the pleading transaction from the card company is performed before the above-mentioned step (S121) or between the above-mentioned step (S121) and the above-mentioned step (S122) or the above-mentioned step (S122) and the above-mentioned ( It is input between steps S123) or after step S123 described above. At this time, the input costs are the sum of the amounts to be paid by each person who promises to make a payment.

When the above step (S123) is completed and the cost is input through the card approval terminal, the card company determines whether to approve each of the people whose credit cards are read in the same manner as in the first embodiment (S200). ). In this case, all persons who decide to make a settlement will approve the settlement only if there is no reason for disqualification.

The card company bills the corresponding costs to be collected according to the settlement date of each person who approves the cost collection payment (S300).

Example 3

This embodiment is described with reference to FIG. 1C.

First, the credit card of each person who promises to make a payment is continuously read to the card approval terminal (131). That is, the present embodiment is made by configuring the card usage system so that the steps of reading the credit card can be performed in parallel.

Next, in accordance with the contents displayed on the card approval terminal, the payment settlement is selected (S132).

The input of the cost for acquiring the approval for the pleading transaction from the card company is inputted before the above-mentioned step S131 or between the above-mentioned step S131 and the above-mentioned step S132 or after the above-mentioned step S132. Lose. At this time, the input costs are the sum of the amounts to be paid by each person who promises to make a payment.

When the above step (S132) is completed and the cost is input through the card approval terminal, the card company determines whether to approve each of the people whose credit cards are read in the same manner as in the first embodiment (S200). ). In this case, all persons who decide to make a settlement will approve the settlement only if there is no reason for disqualification.

The card company bills the corresponding costs to be collected according to the settlement date of each person who approves the cost collection payment (S300).

Next, the case where the cost of collection is not uniform will be described.

Example 4

This embodiment is described with reference to FIG. 1D.

First, when the button of the card approval terminal is pressed, a display window asking whether the transaction is a card collection appears on the card approval terminal. That is, this embodiment is made by configuring the card use system so as to be made irrespective of the type of credit card to be used as in the first embodiment. Then, the people who promised to pay the price and choose the payment settlement (S141).

Next, the credit card of each person who promises to collect and pay according to the contents displayed on the card approval terminal is read into the card approval terminal, and the expenses corresponding to each person who promises to make a payment are input. (S142)

Then, the card company determines whether to approve the credit card against the people who have been read and the costs entered for each of them (S200). In this case, all persons who decide to make a settlement will approve the settlement only if there is no reason for disqualification.

The card company bills the corresponding costs to be collected according to the settlement date of each person who approves the cost collection payment (S300).

Example 5

This embodiment will be described with reference to FIG. 1E.

First, when the credit card of any one selected from those who promised to collect and pay the cost is read to the card approval terminal (S151), a display window asking whether to make a transaction is displayed on the card approval terminal. In the present embodiment, as in the second embodiment, when the read credit card is a credit card having a function of asking whether or not a transaction is made, a display window asking whether the transaction is made by reading the credit card is displayed on the card approval terminal. In addition, when the card use system is configured to select whether or not to collect a transaction for all credit cards, a display window that asks whether a transaction is for a transaction using a credit card appears by reading the credit card.

Next, the person who reads his credit card to the card approval terminal selects a payment settlement (S152).

Then, each person who reads his credit card at the card approval terminal in the previous step and reads the credit card of each person except the person who read his credit card at the card approval terminal in the previous step, The amount to be paid for each of them is input in accordance with the contents displayed on the card approval terminal (S153).

Next, the card company determines whether to approve the credit card against the people who have been read and the costs entered for each of them (S200). In this case, all persons who decide to make a settlement will approve the settlement only if there is no reason for disqualification.

The card company bills the corresponding costs to be collected according to the settlement date of each person who approves the cost collection payment (S300).

Example 6

This embodiment will be described with reference to FIG. 1F.

First, the credit card of each person who promises to make a payment is continuously read to the card approval terminal, and each of the expenses corresponding to each person who promises to make a payment is input (S161). That is, this embodiment is made by configuring the card usage system so that the steps of reading the credit card and inputting the costs can be performed in parallel as in the third embodiment.

After the credit card is read and the steps for entering the expenses are completed, press the button and the card approval terminal displays a window asking whether or not to collect a transaction. Then, in accordance with the content displayed on the card approval terminal selects the payment settlement (S162).

Next, the card company determines whether to approve the credit card against the people who have been read and the costs entered for each of them (S200). In this case, all persons who decide to make a settlement will approve the settlement only if there is no reason for disqualification.

The card company bills the corresponding costs to be collected according to the settlement date of each person who approves the cost collection payment (S300).

On the other hand, a method of collecting costs using a credit card that can be applied to both the case where the cost is uniformly collected and the case where the cost is not uniform, can be applied to any one selected in Examples 1 to 3 described above. Any combination selected from Examples 4-6. Hereinafter, two examples thereof will be described.

Example 7

This embodiment is described with reference to FIG. 1G.

In the present embodiment, a method of collecting costs using a credit card composed of the combination of the above-described first embodiment and the fourth embodiment will be described.

First, when a button of the card approval terminal is pressed, a display window asking whether the transaction is a card approval appears on the card approval terminal, and those who promise to pay by collecting the cost select the payment settlement (S171). Next, when the card accept terminal displays a display window indicating whether to collect the costs uniformly or to collect the costs unevenly, the terminal selects accordingly (S172).

In the case where the cost is uniformly selected, after step S172, the process proceeds as follows.

Those who promise to pay by collecting the cost read each credit card to the card approval terminal according to the contents displayed on the card approval terminal (S173-1). Here, the input of the cost for obtaining the approval for the puzzling transaction from the card company is input between the above-described step S172 and the above-described step S173-1 or after the above-described step S173-1. At this time, the input costs are the sum of the amounts to be paid by each person who promises to make a payment.

When the above-described step (S173-1) is completed and the cost is input, the card company determines whether to approve each of the people whose credit card is read through the card approval terminal (S200). All persons who choose to make a settlement will only approve the settlement if there is no reason for disqualification.

The card company bills each expense according to the settlement date of each person who approves the cost collection payment (S300).

In the case where the cost is unevenly selected, after step S172, the process proceeds as follows.

According to the information displayed on the card approval terminal, the credit card of each person who promises to collect and pay the costs is read into the card approval terminal, and the expenses corresponding to each person who promises to make the payment are also input (S173-). 2).

Then, it is determined whether or not the credit card is read in preparation for each of them and the costs entered for each of them (S200). In this case, all persons who decide to make a settlement will approve the settlement only if there is no reason for disqualification.

The card company bills the corresponding costs to be collected according to the settlement date of each person who approves the cost collection payment (S300).

Example 8

This embodiment will be described with reference to FIG. 1H.

In the present embodiment, a method of collecting costs using a credit card composed of the combination of the above-described second embodiment and the fifth embodiment will be described.

First, when the credit card of any one selected from those who have promised to collect and pay the cost is read to the card approval terminal (S181), a display window asking whether to make a transaction is displayed on the card approval terminal. Then, the person who reads his credit card to the card approval terminal selects a payment settlement (S182). Next, the card approval terminal selects accordingly when a display window for whether to collect the costs uniformly or the costs is not uniformly selected (S183).

If the cost is uniformly selected, after step S183, the process proceeds as follows.

In the previous step, the credit card of each person except the person who reads his credit card on the card approval terminal is read by the card approval terminal according to the contents displayed on the card approval terminal (S184-1). Here, the input of the cost for obtaining the approval for the puzzling transaction from the card company is input between the above-described step (S183) and the above-mentioned (S184-1) or after the above-described step (S184-1). At this time, the input costs are the sum of the amounts to be paid by each person who promises to make a payment.

When the above-mentioned step (S184-1) is completed and the cost is input, the card company determines whether to approve each of those who have read their credit card through the card approval terminal (S200). All persons who choose to make a settlement will only approve the settlement if there is no reason for disqualification.

The card company bills the corresponding costs to be collected according to the settlement date of each person who approves the cost collection payment (S300).

In the case where the cost is unevenly selected, after step S183, the process proceeds as follows.

In the previous step, the person who reads his credit card at the card approval terminal reads the amount of each person's credit card except for the person who read his credit card at the card approval terminal in the previous step. The amount is input in accordance with the contents displayed on the card approval terminal (S184-2).

Next, the card company determines whether to approve the credit card against the people who have been read and the costs entered for each of them (S200). In this case, all persons who decide to make a settlement will approve the settlement only if there is no reason for disqualification.

The card company bills the corresponding costs to be collected according to the settlement date of each person who approves the cost collection payment (S300).

In addition, a method of collecting costs using a credit card, which can be applied to both the case where the cost is uniformly collected and the case where the cost is not uniform, can be applied to any one selected in Examples 1 to 3 described above. Any one selected from Examples 4 to 6 may also be modified in combination by one of ordinary skill in the art. An example thereof will be described below.

Example 9

This embodiment will be described with reference to FIG. 1I.

In the present embodiment, a method of collecting costs using a credit card composed of the modified combination of the above-described third embodiment and the sixth embodiment will be described.

First, the credit card of each person who promises to make a payment is continuously read to the card approval terminal (S191), and when a button is pressed, a display window asking whether or not to collect the transaction appears on the card approval terminal. Then, in accordance with the content displayed on the card approval terminal selects the payment settlement (S192).

Next, the card approval terminal selects accordingly when a display window indicating whether to collect costs uniformly or to collect costs uniformly is displayed (S193).

In the case where the cost is uniformly collected, after step S193, the process proceeds as follows.

According to the contents displayed on the card approval terminal, input of an expense for obtaining an approval for a pledge transaction from the card company is input (S194-1). At this time, the input costs are the sum of the amounts to be paid by each person who promises to make a payment.

Then, the card company determines whether to approve each of those who have read their credit card through the card approval terminal (S200). All persons who choose to make a settlement will only approve the settlement if there is no reason for disqualification.

The card company bills the corresponding costs to be collected according to the settlement date of each person who approves the cost collection payment (S300).

In the case where the cost is unevenly selected, after step S193, the process proceeds as follows.

According to the contents displayed on the card approval terminal, the amount of money for each person who has promised the payment is input (S194-2).

Then, the card company determines whether to approve each of those who have read their credit card through the card approval terminal (S200). All persons who choose to make a settlement will only approve the settlement if there is no reason for disqualification.

The card company bills the corresponding costs to be collected according to the settlement date of each person who approves the cost collection payment (S300).

Next, a method of collecting costs using a credit card in an electronic commerce will be described.

Example 10

This embodiment is described with reference to FIG. 1J.

Consumers who select items to buy in the e-commerce shopping mall move to the payment window to make a payment. Basically, the moved payment window enters personal information and credit card information for payment. However, in order to make the payment according to the present embodiment, a column for additionally writing information is further provided.

The consumer who has moved to the payment window to select and pay for the goods first enters the cost, that is, the credit card number of each person who decides to pay the amount of the goods, and the total amount of the goods. Request a payment (S410). In other words, the present embodiment is applied to the case of uniform collection.

Then, in the same manner as in Example 1, it is determined whether to approve each of those who have promised to collect and pay by the approver, that is, those who have entered credit card numbers (S420).

The card company, which has acquired the purchase information of the goods from the approver, bills the corresponding costs to be collected in accordance with the settlement date of each of those who have been approved for cost collection (S430).

Example 11

This embodiment will be described with reference to FIG. 1K.

Consumers who select items to buy in the e-commerce shopping mall move to the payment window to make a payment. Basically, the moved payment window enters personal information and credit card information for payment. However, in order to make the payment according to the present embodiment, as in the ninth embodiment, a column for additionally writing information is further provided.

A consumer who has moved to the payment window to select and pay for an item first checks the cost, that is, the credit card number of each person who decides to pay the amount of the item and the cost corresponding to each person who decides to make a payment. The user inputs and selects a payment settlement request for a cost settlement settlement (S510). That is, the present embodiment is characterized in that each amount is input separately so that the settlement is possible even in the case of uniform collection and non-uniform collection.

Then, it is determined whether to approve each of those who have promised to collect the payment by the approver, that is, each of those who have entered a credit card number (S520). The approver in the e-commerce business may be a general credit card company or a payment agency. In this case, all persons who decide to make a settlement will approve the settlement only if there is no reason for disqualification.

The card company, which has acquired the purchase information of the goods from the approver, bills the corresponding costs to be collected according to the settlement date of each of those who have been approved for cost collection (S530).

Although the above-described embodiments are intended to be paid by various people, it is obvious that the same applies to a case where a person pays with a plurality of credit cards owned by him.

According to the method of collecting costs using the credit card of the present invention as described above, when the cost is to be collected, the collection method can be simplified and can be applied regardless of the size of the cost. It can be activated more.

In addition, unexpected unfavorable situations can be prevented among acquaintances, thus creating a credit society.

The present invention is not limited to the above embodiments, and many modifications are possible by those skilled in the art within the technical spirit of the present invention.

Claims (12)

Requesting to collect the cost using a credit card of the person who has promised to collect the fee (S100); Approving for each of the people that the card company has promised to collect the payment (S200); The card company charges each of the corresponding costs for each of the people approving the cost collection payment (S300) method of collecting costs using a credit card. The method (S100) of claim 1, wherein, in the case where the cost is uniformly collected, the step (S100) of requesting the cost collection payment by using the credit card of the people who promised to collect and pay the cost, (S111) selecting a payment settlement according to the contents displayed on the card approval terminal; And (S112) reading the credit card of each person who has promised to collect the payment according to the contents displayed on the card approval terminal, at the card approval terminal (S112). According to claim 2, wherein the total amount to be paid by all those who decided to make a payment before the step (S111) or between the step (S111) and the step (S112) or after the step (S112). The method of collecting the cost using a credit card further comprising the step of inputting. The method (S100) of claim 1, wherein, in the case where the cost is uniformly collected, the step (S100) of requesting the cost collection payment by using the credit card of the people who promised to collect and pay the cost, (S121) reading the credit card of any one selected from those who have promised to collect and pay the cost to the card approval terminal; Selecting the payment settlement according to the contents displayed on the card approval terminal (S122); And (S123) reading the credit card of each person except those who have performed the step (S121) among those who have promised to collect and pay according to the contents displayed on the card approval terminal (S123). Method of collecting costs using a credit card. The method of claim 4, wherein the cost is calculated before the step S121 or between the step S121 and the step S122 or between the step S122 and the step S123 or after the step S123. A method of collecting costs by using a credit card, the method further comprising the step of inputting a total amount to be paid by all those who promise to make a payment. The method (S100) of claim 1, wherein, in the case where the cost is uniformly collected, the step (S100) of requesting the cost collection payment by using the credit card of the people who promised to collect and pay the cost, Reading the credit card of each person who promised to make the payment to the card approval terminal (S131); Selecting a settlement payment according to the content displayed on the card approval terminal (S132) characterized in that the cost collection method using a credit card. The total amount of money to be settled by all the people who have promised to pay the costs before (S131) or between (S131) and (S132) or after (S132). The method of claim 1, further comprising the step of inputting a credit card. The method (S100) of claim 1, wherein if the cost of collection is not uniform, the step (S100) of requesting the cost of payment using a credit card of people who have promised to collect and pay the cost is performed. Selecting a payment settlement according to the contents displayed on the card approval terminal (S141); Reading the credit card of each person who promises to make the payment according to the contents displayed on the card approval terminal, and inputting each of the expenses corresponding to each person who promises to make the payment; A method of collecting costs using a credit card, comprising (S142). The method (100) of claim 1, wherein the step (100) of requesting a cost collection payment using a credit card of people who promise to collect and pay the cost when the cost of collection is not uniform, includes: (S151) reading a credit card of any one selected from those who have promised to collect and pay the cost to the card approval terminal; Selecting a payment settlement according to the content displayed on the card approval terminal (S152); According to the information displayed on the card approval terminal, the amount of money to be paid by the person who performed the step (S151) and the credit card of each person except for the person who performed the step (S151) And (S153) inputting each of the costs corresponding to each of them by reading the card approval terminal. The method (S100) of claim 1, wherein if the cost of collection is not uniform, the step (S100) of requesting the cost of payment using a credit card of people who have promised to collect and pay the cost is performed. Reading the credit card of each person who promised to make the payment and reading the credit card to the card approval terminal, and inputting respective expenses corresponding to each person who promised to make the payment; Selecting a settlement payment in accordance with the content displayed on the card approval terminal (S162) characterized in that the cost collection method using a credit card. In the payment of e-commerce, enter the number of each credit card and the total amount to be settled by all those who have agreed to pay the costs and select the billing settlement. Requesting a cost estimating payment (S410); (S420) acknowledgment is made to each person who has promised to collect the payment by the approver. Claimant billing method for the cost using a credit card comprising the step of claiming each of the costs for each of the person who approves the cost collection payment (S430). In e-commerce payment, enter the credit card number of each person who decides to collect and pay the costs and the cost corresponding to each person who decides to collect the payment, and select the payment method to request the cost collection payment. Step (S510); Acknowledgment is made to each person who has promised to collect the payment by the approver (S520); Claimant claim for each of the costs for each person who approves the cost collection payment (S530) method of collecting costs using a credit card.