KR20080030593A - System for executing payment as proxy - Google Patents

Abstract

A proxy payment system is provided to enable a customer to pay an insufficient payment amount smoothly by processing payment of the customer in a proxy payment mode linking a payment tool of the customer with the payment tool of a proxy payment client such as a financial company or a parent. A storing part links/stores first client payment tool information, and second client information or second client payment tool information, which is used for processing payment instead of a first client payment tool when the first client payment tool is unavailable, to a storage medium. A checker checks the second client information or the second client payment tool information from the storage medium when the first client payment tool is unavailable. A payment processor processes payment of a first client(100) by using the checked second client information or second client payment tool information. An approval obtainer obtains approval for the payment of the first client from a second client(115) such as a financial company or parents before the payment of a first client is processed by using the checked second client information or second client payment tool information.

Description

Agency payment system {System for Executing Payment as Proxy}

1 is a simple configuration diagram showing the concept of a proxy payment method according to the invention.

2 is a simple conceptual diagram in which a client having a card in the form of a magnetic stripe (MS) form as a payment method requests and acts as a proxy payment.

3 is a simple flowchart illustrating a process in which a client having a card in the form of a magnetic stripe (MS) as a payment method makes a request for a proxy payment and a proxy payment is made.

4 is a simple conceptual diagram in which a client having a chip-type card as a payment means makes a request for a proxy payment and a proxy payment is made.

FIG. 5 is a simple flowchart illustrating a process in which a client having a chip-type card as a payment means makes a request for a proxy payment and a proxy payment is made.

<Description of main parts of drawing>

100: client 105: agency payment server (105)

110: terminal device 115: agency payment client

The present invention is a means for connecting the first client payment means information and the second client information or the second client payment means information for payment processing on behalf of the first client payment means when the first client payment means is not available, and storing the information on the storage medium. And means for confirming second client information or second client payment means information for payment processing on behalf of the first client payment means through the storage medium when the first client payment means is unavailable. It relates to a proxy payment system comprising means for processing the payment of the first client by using the information of the second client or the second client payment means.

In various payment methods, (credit) cards, etc., which have been rapidly developed in recent years, are relatively widely used because they can be used relatively easily in comparison with other payment methods requiring physical replacement of cash or check.

In addition, card issuers are strengthening services to customers by issuing cards including various services or various types of affiliate cards.

However, the restrictions on the card usage limit and credit limit become more severe, and services for additional payment or proxy payment for customers who have a limited use of the card have not been implemented yet.

An object of the present invention for solving the above problems is the first client payment means information and the second client information or the second client payment means for payment processing on behalf of the first client payment means when the first client payment means is unavailable Means for connecting information and storing the information on a storage medium, and when the first client payment means is unavailable, second client information or second client payment means for payment processing on behalf of the first client payment means through the storage medium. It is to provide a proxy payment system including a means for confirming information and means for processing the payment of the first client using the identified second client information or the second client payment means information.

The agency payment system according to the present invention connects the first client payment means information and the second client information or the second client payment means information for payment processing on behalf of the first client payment means when the first client payment means is unavailable. Means for storing the second client information or the second client payment means information for processing the payment on behalf of the first client payment means through the storage medium when the means for storing the storage medium and the first client payment means are unavailable. Means and means for processing the payment of the first client by using the confirmed second client information or second client payment means information.

 According to the present invention, the proxy payment system, before processing the payment of the first client using the confirmed second client information or second client payment means information, the payment processing of the first client from the second client. It further comprises a means for obtaining approval.

According to the invention, the use of the first client payment means is characterized in that it includes a lack of balance or exceeding the limit of the first client payment means.

According to the present invention, the first client payment means is characterized in that it comprises at least one credit card, check card, prepaid card, debit card, account, mobile phone IC chip.

According to the present invention, the second client is characterized in that it comprises at least one or more parents or relatives of the first client, agency specializing in payment, lenders, financial institutions.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, and in the following description, for the purpose of describing the embodiments of the present invention, specific details such as specific elements are shown, which is illustrated in FIG. It will be apparent to those skilled in the art that the present invention may be practiced without these specific details only as provided to aid a more general understanding of the invention.

In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

Figure 1 is a simple block diagram showing the concept of a proxy payment method according to the present invention.

According to this figure, as a component for a proxy payment service, it includes a client 100, a proxy payment client 115, a proxy payment server 105, a terminal device (110). The client 100 possesses at least one payment means (credit card, cash card, prepaid card, etc.) and, according to the present invention, accesses the proxy payment server 105 through a wired or wireless communication network, and provides a proxy payment service. The element to apply for.

Accordingly, the client 100 inputs at least one or more proxy settlement client 115 information for the act of payment to the proxy settlement server 105, thereby completing the application for the proxy settlement service. The agency payment client 115 information input by the client 100 may include a name (or name), a phone number, a mobile communication number, a website (or an IP address), an e-mail address, a messenger ID, etc. of the agency payment client 115. It includes, and further includes the agency payment means information.

In addition, the agency settlement client 115 is a parent or relative of the client 100, and / or agency settlement specialists (such as lenders), and / or financial institutions (card companies, insurance companies, banks, trust companies, financial companies, etc.) At least one).

The proxy payment server 105 checks the information of the proxy payment client 115 input by the client 100, and when the proxy payment request is made by the client 100, the proxy payment client 115 makes a proxy payment. A message is sent to request confirmation of the agreement.

In addition, the client 100 may be divided into embodiments when using an MS type card as a payment means and when using a chip type card as a payment means, which will be described in more detail below. .

According to the present invention, the proxy settlement client 115 serves to provide a proxy settlement means when the payment means of the client 100 (requesting agency payment) is unavailable, and the proxy settlement client ( 115) may be a parent or relative of the client 100 and a professional payment agent (loan company, etc.), and also specify that a card company, an insurance company, a bank, a trust company, a cashier, and the like may be used.

In addition, the proxy payment client 115 receives a confirmation request message for the proxy payment in various forms and means from the proxy payment server 105 in response to the proxy payment request of the client 100, and receives a response thereto. By doing so, the agency payment server 105 helps to perform the agency payment.

The terminal device 110 may be a payment terminal such as a credit authorization terminal (CAT) or a point of sales terminal (CAT) of an affiliate store that uses a client 100 payment method, an automatic teller machine (ATM), cash, and the like. At least one cash dispenser (CD), kiosk (KIOSK), etc., and when using a wired or wireless communication network, the personal computer (PC) and personal communication system (PCS) of the client, the global system for mobile communications ), At least one wireless terminal including at least one of a personal digital cellular (PDC), a personal handyphone system (PHS), a personal digital assistant (PDA), and a smart phone.

The terminal device 110 functions to determine the validity of the payment means used by the client 100. The validity means the confirmation that the payment method of the client 100 can be used due to the exceeding the usage limit or the credit limit.

In addition, the terminal device 110 has an interface such as a reader so as to be suitable for the card type of the client 100, and the client 100 uses a wireless terminal associated with a chip (removable). In order to communicate with the wireless terminal, various communication interfaces, such as RF (Radio Frequency), infrared data communication, and Bluetooth, may be provided.

The terminal device 110 recognizes the payment means used or presented by the client 100, determines whether the payment means is valid, and if it is determined that it is not valid (confirmed), the client 100 ), Or (or automatically) sends a proxy request message to the proxy payment server.

The agency billing server 105 is connected to the client 100, the agency billing client 115, and the terminal device 110 through a network, and receives the agency billing client 115 information from the client billing request 100. Receives the input, stored in the database in association with the client 100 information, when the proxy payment request of the client 100, to check the agency payment client 115 information associated with the client 100, the agency By sending a confirmation request message to confirm payment execution, it is determined whether or not the payment is executed.

Further, the agency payment server 105 may be a card company server, and / or, a bank server, and / or a cashier server, and / or a transfer company server, and / or an insurance company server, and / or a mobile communication company server, and And / or located on a VAN company server.

In addition, although not specifically described in accordance with this drawing, the agency payment according to the present invention is not only applied when the payment means (credit card, etc.) of the client 100 is not available, but also for payment or cash service for the insufficient amount, etc. It is stated that it is applicable.

According to the present invention, the proxy settlement is possible only if there is a confirmation (Confirm) of the proxy settlement client (115).

Hereinafter, in the drawings will be described in detail a preferred embodiment of the present invention.

2 is a simple conceptual diagram in which a client 100 having a card in the form of a magnetic stripe (MS) is used as a payment method and a request for agency payment is made.

The client 100 first inputs the agency payment client 115 information to perform the agent's proxy payment to the agency payment server 105 for the agency payment service proposed in the present invention. In this figure, since the client 100 uses the MS-type card as a payment means, the client 100 provides card information to the agency payment server 105 to associate with the agency payment client 115 information. To save it. (However, when the agency payment server is a card company or a bank associated with the card, the agency payment server may check card information using an ID of a client or the like.)

When the client 100 uses the card to make a payment for a product purchase or service use, or in the case of a cash card, attempts to withdraw cash or the like, the terminal device 110 reads card information from the card. Then, by checking the usage or credit limit for the card, it is determined whether or not the proxy payment is carried out.

If the client 100 is unable to use the card due to the usage limit exceeded or the credit limit exceeded, the client will request a proxy payment to be implemented. The terminal device 110 provides a proxy payment message to the agency payment server 105, the agency payment server 105 checks the agency payment message received from the terminal device, the client 100 included in the message The card information is checked to extract information on the proxy payment client 115 associated with the card information.

By referring to the extracted agency payment client 115 information, the agency payment server 105 provides the agency payment client 115 with a confirmation request message for the execution of the agency payment, and by receiving the response, the agency payment Is carried out.

FIG. 3 is a simple flowchart illustrating a process in which a client 100 having a card in the form of a magnetic stripe (MS) as a payment method makes a request for a proxy payment and a proxy payment is made.

According to the present invention, when the client 100 connects to the agency payment server 105 through a wired / wireless communication network and requests (or requests) the agency payment service (300), the agency payment server 105 is connected to the client ( The client 100 requests the client 100 information of the proxy settlement client 115 to perform the proxy settlement for the client 100.

The client 100 may include a name (or name), a phone number, a mobile communication number, a website (or an IP address), an e-mail address, a messenger ID, information on a proxy payment means, and the like of the proxy payment client 115. The client 115 information is provided to the agency payment server 105 (310), the agency payment server 105 to store the agency payment client 115 information in association with the card information (315) (315) ).

In addition, the agency payment client 115 information further includes the eNUM (Number) of the concept encompassing all the above-described phone number, mobile communication number, website (or IP address), email address, messenger ID and the like.

After the registration of the agency payment service according to the present invention through the above process, when the client 100 uses the card for payment or cash service for the purchase of goods, etc. (320), the payment to recognize the card A terminal device such as a terminal or an ATM 110 reads card information from the card to determine the validity of the card (325).

The validity refers to determining whether the card can be used by checking the credit limit or usage information of the card and confirming whether the request amount of the client 100 exceeds the limit, as described above. .

If the card does not violate the card limit, etc. (330), the card 100 of the client 100 is made by a general card use procedure (payment or cash service, etc.) (335). However, when the client 100 cannot use the card due to the violation of the limit (340), the terminal device 110 notifies the client 100 of the card unavailable (345).

* If the person's card can not be used, according to the present invention, the client 100 requests the terminal device 110 to perform a proxy payment (service) (350), the terminal device 110 is a proxy payment server ( In step 105, the client 100 creates and provides a request message for the proxy payment requested by the client 100 (355). The request message includes card information of the client 100 and the like.

The agency payment server 105 that receives the agency payment request message from the terminal device 110 checks the agency payment client 115 information associated with the client 100 card information, and acts as the agency payment client 115. An approval message for payment is performed (360).

If the agency payment client 115 does not approve the agency payment in response to the approval message provided from the agency payment server 105 or if there is no response to the approval message (365), the agency payment server. In operation 375, the client device 110 provides a proxy payment rejection message to the terminal device 110 (370), and the terminal device 110 provides the client payment details to the client 100 (375).

On the other hand, when the proxy payment client 115 provides an approval response to the agency payment to the agency payment server 105 (380), the agency payment server 105 is the terminal device 110, the agency payment details or results or processing instructions In step 385, the terminal device 110 provides the proxy 100 with the provision of the billing service or the transaction details to the client 100, thereby ending the process for the present invention (390).

4 is a simple conceptual diagram in which a client 100 having a chip-type card as a payment means makes a request for a proxy payment and a proxy payment.

FIG. 3 is an exemplary view of a client 100 using a chip card applying for and executing an agency payment service corresponding to the MS type card shown in FIGS. 3 and 4, and is made through the process described below. .

Client information (including payment means information) and information of the proxy payment client 115 from the client 100 having at least one payment means (credit card, cash card, prepaid card, etc.) connected to the agency payment server 105. The step of receiving the step, and the client payment information (including the payment means information) and the proxy payment client 115 requesting the agency payment from the agency payment server 105 to process the information stored in a predetermined database And generating, by the proxy payment server 105, a proxy payment information access code corresponding to the client 100 information (including payment means information) and / or the proxy payment client 115 information. Providing and storing as a payment means, and when the payment means of the client 100 is not available (or when the amount is insufficient), the payment means I / O terminal device 1 10) extracting (or receiving) the proxy payment information access code stored in the client 100 from the payment means; and extracting the proxy payment information access code extracted from the terminal device 110 (or received). Providing the agency payment server 115, extracting the agency payment client 115 information corresponding to the agency payment information access code from the database at the agency payment server that has received the agency payment information access code; And performing proxy payment by the payment means of the proxy payment client 115.

In addition, before performing the billing payment by the payment means of the billing client 115, transmitting a confirmation request message for the billing client 115 implementation and the agency from the billing client 115 And obtaining a consent for payment.

In addition, the step of providing the proxy payment information access code extracted (or received) to the proxy payment server 105 by the terminal device 110 may include the terminal device 110 paying means of the client 100. The method further includes the step of determining whether or not to perform the agency payment by performing the usage limit and / or credit limit inquiry for.

The card may also be a contact card and / or contactless card, and / or a hybrid card, and / or a combination card, on which an IC chip is mounted, and / or Characterized in that it comprises at least one IC chip (or IC card) to be mounted on / detached from the wireless terminal.

According to this figure, the client 100 first enters the agency payment client 115 information to perform the agency payment to the agency payment server 105 for the agency payment service presented in the present invention. The agency payment server 105 stores the received agency payment client 115 information and generates a proxy payment access code for accessing the agency payment client 115 information when the client 100 executes the agency payment request. Then, it is downloaded to the chip card of the client 100 to be mounted.

When the client 100 makes a payment for the purchase of a product or the use of a service using the chip card (or to withdraw cash or the like in the case of a cash card), the terminal device 110 pays from the card. By reading the card information for cash withdrawal and performing the usage or credit limit inquiry for the card, it is determined whether or not to perform the agency payment.

If the client 100 cannot use the card due to exceeding the usage limit or exceeding the credit limit, the terminal device 110 according to the proxy payment request of the client 100, the chip card of the client 100 By extracting the proxy payment information access code stored in the storage area of the information provided to the proxy payment server 105, it informs the proxy payment execution request.

The agency payment server 105 obtains the agency payment information access code for the agency payment from the terminal device 110, accesses the agency payment client 115 information through the agency payment information access code, the agency payment client (115) Extract information.

The agency payment server 105 refers to the extracted agency payment client 115 information, and the agency payment server 105 provides a confirmation request message for performing the agency payment to the agency payment client 115, In response to this, a proxy payment is made.

FIG. 5 is a simple flowchart illustrating a process in which a client 100 having a chip-type card as a payment means makes a request for a proxy payment and a proxy payment is made.

When the client 100 connected to the billing server 105 for the billing service application provides the billing client information for billing, the billing information access code corresponding to the billing client information The proxy payment server 105 is generated, mounted on the chip card of the client 100, and through this the process of the agency payment is made.

According to the present invention, when the client 100 connects to the proxy payment server 105 through a wired / wireless communication network and requests (or requests) a proxy payment service (500), the proxy payment server 105 is connected to the client ( The client 100 requests the information of the proxy payment client 115 to perform the proxy payment for the 100.

The client 100 may include a name (or name), a phone number, a mobile communication number, a website (or an IP address), an e-mail address, a messenger ID, information on a proxy payment means, and the like of the proxy payment client 115. The client 115 information is provided to the agency payment server 105 (505), the agency payment server 105 stores the agency payment client 115 information, the agency corresponding to the agency payment client 115 information The payment information access code is generated (510).

When the agency payment information access code is generated, the agency payment server 105 provides the generated agency payment information access code to the chip card of the client 100 to be loaded (515).

After the registration of the agency payment service according to the present invention through the above process, if the client 100 uses the chip card for payment or cash service for the purchase of goods, etc. (520), the card is recognized The terminal 110, such as a payment terminal or an ATM, reads card information from the card to determine the validity of the card (525).

If the card does not violate the card limit, etc. (530), the card 100 of the client 100 is made by a general card use procedure (payment or cash service, etc.) (535). However, when the client 100 cannot use the card due to the violation of the limit (540), the terminal device 110 notifies the client 100 of the card unavailable (545).

In the case where the user's card cannot be used, according to the present invention, when the client 100 requests to perform a proxy payment (service) to the terminal device 110 (550), the terminal device 110 is the client 100 By extracting the agency payment information access code mounted on the chip card of the transfer to the agency payment server 105, the proxy payment request is made (555).

The agency payment server 105 receiving the agency payment information access code according to the agency payment execution request from the terminal device 110 checks the agency payment client 115 information corresponding to the agency payment information access code, and the agency payment In step 560, the client 115 transmits the approval message for performing the proxy payment.

If the agency payment client 115 does not approve the agency payment in response to the approval message provided from the agency payment server 105 or if there is no response to the approval message (565), the agency payment server. In operation 105, the proxy payment rejection message is provided to the terminal device 110 (570), and the terminal device 110 provides the client payment details to the client 100 (575).

On the other hand, when the proxy payment client 115 provides an approval response to the agency payment to the agency payment server 105 (580), the agency payment server 105 provides the terminal billing details or results or processing instructions to the terminal device ( In step 585, the terminal device 110 provides the client 100 with the provision of the billing service or the processing details, thereby ending the process for the present invention (590).

According to the present invention, receiving client information (including payment means information) and information of the proxy payment client from a client having at least one payment means (credit card, cash card, prepaid card, etc.) connected to the agency payment server, The client information (including payment means information) requesting the proxy payment from the agency payment server and the agency payment client information are cooperatively processed and stored in a predetermined database, and when the payment method of the client is unavailable (or insufficient amount) And generating and providing a proxy payment request message including client information from the payment means input / output terminal device to the agency payment server, and the agency payment server receiving the agency payment request message associated with the client information. Extract the proxy payment client information from the database. By providing a payment agency to agency to conduct the payment as a payment method of the payment agency client, from the client perspective, there is a lack of advantage that the smooth settlement payments even for (or cash advances, etc.) is possible.

In addition, according to the present invention, card companies, insurance companies, banks, securities companies, investment companies and the like has the advantage that can generate new revenue through the agency payment service.

In addition, according to the present invention, when the parent makes the agency payment, the parent has the advantage of preventing unnecessary waste or derailment of the children by confirming and allowing the payment of the child.

Claims (5)

Means for connecting the first client payment means information and the second client information or the second client payment means information for payment processing on behalf of the first client payment means when the first client payment means is unavailable, and storing the information on a storage medium; Means for confirming second client information or second client payment means information for payment processing on behalf of the first client payment means via the storage medium when the first client payment means is unavailable; And And means for processing the payment of the first client by using the confirmed second client information or second client payment means information. The method of claim 1, Means for obtaining the payment processing approval of the first client from the second client before processing the payment of the first client by using the confirmed second client information or the second client payment means information. Agency payment system, characterized in that. The method of claim 1, wherein the first client payment means cannot be used. The agency payment system, characterized in that it comprises a lack of the first client payment means or exceed the limit. The method of claim 1, wherein the first client payment means, A credit card, debit card, prepaid card, debit card, account, mobile phone billing system comprising at least one IC chip. The method of claim 1, wherein the second client, Agency or relatives of the first client, agency billing professional, lender, at least one agency comprising a financial institution.

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