KR20100134301A - Settlement system and settlement method for electronic money using membership - Google Patents

Abstract

PURPOSE: An electronic money payment system using a membership inducing the electronic cash payment is provided to apply effective membership benefit to an electronic cash payment request of the user terminal. CONSTITUTION: A user terminal(20) stores membership related information(15) including pre-joined membership information and an electronic money(17). The electronic cash payment in which the user terminal uses the stored electronic money is requested. The electronic cash payment of the application payment amount applying the predetermined discount and membership point application policy is processed based on the membership related information of the user terminal with the effective membership information in which a payment terminal(100) copes with the electronic cash payment.

Description

Electronic money payment system and electronic money payment method using membership {SETTLEMENT SYSTEM AND SETTLEMENT METHOD FOR ELECTRONIC MONEY USING MEMBERSHIP}

The present invention relates to an electronic money payment system using a membership, and more particularly, when a request for electronic money payment from a user terminal storing electronic money and pre-subscribed membership information, a simple discount / point benefits according to the pre-subscribed membership Electronic money payment system and electronic money payment method using membership that can provide efficient and effective electronic money payment service, electronic money payment method using payment terminal and payment terminal membership, electronic money service center and electronic money service center It relates to an electronic money payment method using a membership.

Electronic money is a virtual currency that has a constant currency value that is paid by the issuer and is provided by the issuer. It is relatively low risk of counterfeiting or tampering, safe in case of theft or loss, and convenient for making small payments. .

Accordingly, IC chips in which electronic money is stored are embedded in portable devices, such as portable terminals, which are generally possessed by users, and it is common for users to consume electronic money through portable devices, and a representative example is a T-money used as a transportation card. It will be a service.

Meanwhile, a variety of additional services and various membership services provided by mobile carriers and credit card companies have recently emerged. That is, they exist in various memberships according to which mobile carriers are subscribed to and which credit cards are issued and used, and many stores (movie theaters, bakeries, etc.) have memberships in order to attract users with such memberships. By signing up, we offer discounts or points to our subscribers.

However, from the user's point of view, there are so many and diverse types of memberships that they are subscribed to it.It is difficult to know which membership benefits are used when purchasing goods in the store, and even if they are aware, they always have their membership card. Because it is difficult to carry, there is a problem that it is not easy to receive the benefits of the membership in a timely manner.

The present invention has been made in view of the above circumstances, and an object of the present invention is to provide a membership related information including at least one subscription information and a user terminal for storing electronic money using the stored electronic money. When the electronic money payment is requested, the payment terminal receiving the electronic money payment from the user terminal receives a predetermined discount and membership point based on the valid membership information corresponding to the electronic money payment based on the membership related information from the user terminal. By requesting approval of payment of electronic money according to the applied payment amount applying the applied policy, and in accordance with the request of approval of payment of electronic money, the electronic money service center uses membership to process payment according to whether the user's terminal can pay electronic money. By providing electronic money payment system and electronic money payment method, When requesting payment of electronic money from a user terminal that stores electronic money and subscription information, it provides an electronic money payment service that simply and efficiently applies discount / point benefits according to subscription.

The present invention was created in view of the above circumstances, and another object to be achieved in the present invention is a discount for applying at least one of payment amount discount, membership point accumulation, and payment amount discount using membership points for each membership service. And a membership point application policy, and when electronic money payment is requested from the user terminal, it is determined whether there is valid membership information corresponding to the electronic money payment based on the membership related information from the user terminal. If present, a payment terminal for requesting payment of an electronic money payment authorization to an external electronic money service center based on the effective membership information of the user terminal in response to the electronic money payment and applying the discount and membership point application policy; Transfer using membership of payment terminal Providing a method of payment of self-currency, it provides an electronic money payment service that simply and efficiently applies discount / point benefits according to the membership already registered when requesting payment of electronic money from a user terminal that stores electronic money and membership information. It is.

The present invention was created in view of the above circumstances, and another object of the present invention is to apply at least one of payment amount discount and membership point discount and payment amount discount using membership points for each membership service. A discount point and a membership point application policy, and store affiliated membership information for at least one membership service that is previously subscribed as a membership merchant in response to each payment terminal, and settles the electronic money for a predetermined user terminal from a payment terminal. If the approval is requested, valid membership information corresponding to the payment terminal is based on the membership related information based on the membership related information of the user terminal and the affiliate membership information corresponding to the payment terminal provided according to the electronic money settlement approval request. It is determined whether there exists, and the payment terminal If there is valid membership information in the membership related information, an electronic money service center and an electronic money service center that handles payment according to the applied payment amount applying the discount and membership point application policy based on the valid membership information of the user terminal. E-money payment method using membership of e-money, and when requesting e-money payment from user terminal that stores e-money and pre-subscribed membership information, e-money with simple and efficient application of discount / point benefits based on pre-subscribed membership To provide a payment service.

Electronic money payment system using a membership according to the first aspect of the present invention for achieving the above object stores membership information and electronic money including at least one subscription information, and the electronic money using the stored electronic money A user terminal for requesting payment of money; And when the electronic money payment is requested from the user terminal, based on the membership related information from the user terminal, a payment amount applying a predetermined discount and membership point application policy based on valid membership information corresponding to the electronic money payment. It includes a payment terminal for processing the electronic money payment according to.

Preferably, the electronic money service further comprises an electronic money service center for processing payment according to whether the electronic money can be paid by the user terminal in response to a request for approval of electronic money payment from the outside; And when the electronic money payment is requested from the user terminal, the payment terminal applies a predetermined discount and membership point application policy based on valid membership information corresponding to the electronic money payment based on the membership related information from the user terminal. The electronic money payment authorization may be requested to the electronic money service center according to the applied payment amount applied.

Preferably, the electronic money service center, when the electronic money payment approval is requested from the payment terminal, determines whether the electronic money payment of the corresponding user terminal for the applied payment amount according to the electronic money payment approval is possible, When the electronic money payment is possible, a payment corresponding to the applied payment amount may be processed and an electronic money deduction signal to the user terminal corresponding to the applied payment amount may be provided to the payment terminal.

Preferably, the membership related information includes membership information on at least one membership service subscribed to the user terminal, and each membership information includes corresponding membership service type information, corresponding membership service access information, and corresponding membership name. It may include at least one of information, membership point information, subscriber information.

The payment terminal according to the second aspect of the present invention for achieving the above object is a discount and membership point application policy for applying at least one of payment amount discount and membership point accumulation and payment amount discount using membership points for each membership service Discount and membership point application policy storage unit for storing; And when the electronic money payment is requested from the user terminal, if there is valid membership information corresponding to the electronic money payment based on the membership related information from the user terminal, the valid membership of the user terminal in response to the electronic money payment. And a payment terminal controller requesting an external electronic money service center for approval of payment of electronic money based on the applied payment amount applying the discount and membership point application policy based on the information.

Preferably, the service provider further includes an affiliate membership information storage unit configured to store affiliate membership information for at least one subscription service that has been previously subscribed as a membership affiliate store; The payment terminal controller, when the electronic money payment is requested from the user terminal, whether membership information corresponding to the affiliated membership information exists based on at least one membership information included in the membership related information from the user terminal. By judging, it is possible to determine whether there is valid membership information corresponding to the electronic money settlement.

Preferably, the payment terminal control unit, if there is at least two pieces of valid membership information corresponding to the electronic money payment, the discount and membership point application policy according to the requested electronic money payment corresponding to each of the valid membership information Applicable payment history for each membership information to which the member is applied is displayed in advance, and approval of electronic money settlement according to the applied payment amount corresponding to the applicable payment details for each selected membership information among the displayed payment information for each membership information is displayed to the electronic money service center. You can request

Preferably, when the payment terminal control unit receives the electronic money reduction signal corresponding to the applied payment amount from the electronic money service center in response to requesting the electronic money payment approval, the user corresponding to the electronic money reduction signal. It can be provided to the terminal.

Preferably, when the payment approval is returned from the electronic money service center in response to the electronic money payment approval, the corresponding membership according to the discount and membership point application policy applied when the electronic money payment approval request is corresponding to the user terminal. Membership points for the information can be requested to the membership service server corresponding to the accumulation or deduction of information.

Electronic money payment system using a membership according to the third aspect of the present invention for achieving the above object stores membership information and electronic money including at least one subscription information, the electronic money using the stored electronic money A user terminal for requesting payment of money; A payment terminal for requesting approval of electronic money payment according to the request of electronic money payment from the user terminal and providing the membership related information from the user terminal; And when the electronic money payment approval is requested from the payment terminal, valid membership information corresponding to the payment terminal is present in the membership related information based on the membership related information of the user terminal provided according to the electronic money payment approval request. The electronic money service center may be configured to process a payment for an applied payment amount to which a predetermined discount and membership point application policy is applied based on the valid membership information.

Electronic money service center according to the fourth aspect of the present invention for achieving the above object is a discount and membership points for applying at least one of the payment amount discount and membership point earning and payment amount discount using membership points for each membership service Discount and membership point application policy storage unit for storing the applied policy; An affiliate membership information storage unit for each payment terminal that stores affiliate membership information for at least one membership service that is previously subscribed as a membership affiliate corresponding to each payment terminal; And when the electronic money payment approval for a predetermined user terminal is requested from a payment terminal, the payment based on the membership related information of the user terminal and the affiliate membership information corresponding to the payment terminal provided according to the electronic money payment approval request. If there is valid membership information corresponding to the terminal in the membership related information, the service providing unit for processing the payment according to the applied payment amount applying the discount and membership point application policy based on the valid membership information of the user terminal.

Preferably, the service providing unit, based on the valid membership information of the user terminal for the payment amount applied to the applied amount of the discount and membership point application policy based on whether the electronic money payment of the user terminal for the applicable payment amount for the It is possible to process the payment, and to provide the electronic terminal with the electronic money reduction signal corresponding to the applied payment amount to the payment terminal.

Preferably, the service provider, after processing the payment for the applied payment amount applying the discount and membership point application policy based on the valid membership information of the user terminal, the said according to the application of the discount and membership point application policy The membership point corresponding to the user terminal can be requested to the membership service server corresponding to the membership point accumulation or deduction.

Preferably, the service provider, after processing the payment for the applied payment amount to which the discount and membership point application policy is applied based on the valid membership information of the user terminal, and pays with the applied payment amount for the user terminal The processed payment details may be provided to the payment terminal.

Electronic money payment method using a membership according to the fifth aspect of the present invention for achieving the above object is a user terminal for storing the membership information and electronic money including at least one subscription information subscribed to the stored electronic money Requesting electronic money payment; When the electronic money payment is requested from the user terminal, the payment terminal applies a predetermined discount and membership point application policy based on the valid membership information corresponding to the electronic money payment based on the membership related information from the user terminal. Requesting approval of payment of electronic money according to the amount; And in response to the electronic money payment approval request, the electronic money service center includes the step of processing the payment depending on whether or not the electronic money payment of the user terminal.

Preferably, in the processing of the payment, when the electronic money payment approval is requested from the payment terminal, the electronic money service center of the electronic money payment of the corresponding user terminal for the applied payment amount according to the electronic money payment approval Determining whether the payment is possible, if the electronic money settlement is possible, processing the payment corresponding to the applied payment amount by the electronic money service center, and deducting the electronic money to the user terminal corresponding to the applied payment amount. It may include providing a signal to the payment terminal.

The electronic money payment method using the membership of the payment terminal according to the sixth aspect of the present invention for achieving the above object is applied to at least one of the payment amount discount, membership point earning and payment amount discount using membership points for each membership service Storing a discount and a membership point application policy; When the electronic money payment is requested from a user terminal, determining whether there is valid membership information corresponding to the electronic money payment based on the membership related information from the user terminal; And if there is valid membership information, accepting the electronic money payment approval according to the applied payment amount applying the discount and membership point application policy based on the valid membership information of the user terminal in response to the electronic money payment. Requesting to include.

Preferably, when there is at least two pieces of valid membership information corresponding to the electronic money settlement, each membership information applying the discount and membership point application policy according to the requested electronic money settlement corresponding to each of the valid membership information. Displaying previously applied payment details; The method may further include requesting the electronic money service center for approval of payment of electronic money according to the applied payment amount corresponding to the selected payment information for each membership information selected from the displayed payment information for each membership information.

Preferably, if the electronic money reduction signal corresponding to the applied payment amount is received from the electronic money service center in response to requesting the electronic money settlement approval, providing the electronic money reduction signal to the corresponding user terminal. It may further include.

Preferably, when the payment approval is returned from the electronic money service center in response to the electronic money payment approval, the corresponding membership according to the discount and membership point application policy applied when the electronic money payment approval request is corresponding to the user terminal. The method may further include requesting a membership service server corresponding to the earning or subtracting of the membership point for the information.

Electronic money payment method using a membership according to the seventh aspect of the present invention for achieving the above object is a user terminal for storing the membership-related information and electronic money including at least one subscription information pre-registered the stored electronic money Requesting electronic money payment; Requesting payment approval of the electronic money according to the payment terminal when the electronic money payment is requested from the user terminal; When the electronic money payment approval is requested from the payment terminal, the effective membership information corresponding to the payment terminal is based on the membership related information of the user terminal provided by the electronic money service center in response to the electronic money payment approval request. Determining whether the information exists in the related information; And if the valid membership information corresponding to the payment terminal exists in the membership related information, the electronic money service center processing a payment for an applied payment amount applying a predetermined discount and membership point application policy based on the valid membership information. It includes.

Electronic money payment method using the membership of the electronic money service center according to the eighth aspect of the present invention for achieving the above object at least one of the payment amount discount, membership point earning and payment amount discount using membership points for each membership service Storing a discount and a membership point application policy for applying; Storing affiliated membership information for at least one subscription service previously registered as a membership affiliate corresponding to each payment terminal; When the electronic money payment approval for a predetermined user terminal is requested from a payment terminal, the payment terminal is based on the membership related information of the user terminal and the affiliate membership information corresponding to the payment terminal provided according to the electronic money payment approval request. Determining whether valid membership information corresponding to the information exists in the membership related information; And if the valid membership information corresponding to the payment terminal is present in the membership related information, processing a payment according to the applied payment amount applying the discount and membership point application policy based on the valid membership information of the user terminal. do.

Preferably, the processing of the payment may include determining whether the electronic money can be settled by the user terminal with respect to an applied payment amount to which the discount and membership point application policy is applied based on the valid membership information of the user terminal; The electronic money settlement may include processing a payment for the applied payment amount and providing an electronic money deduction signal to the user terminal corresponding to the applied payment amount to the payment terminal.

Preferably, after processing the payment for the applied payment amount to which the discount and membership point application policy is applied based on the valid membership information of the user terminal, corresponding to the user terminal according to the application of the discount and membership point application policy The method may further include a step of requesting a membership service server corresponding to earning or subtracting membership points for the membership information.

Preferably, based on the valid membership information of the user terminal, after processing the payment for the applied payment amount to which the discount and membership point application policy is applied, the payment details of the user terminal with the payment amount applied The method may further include providing to the payment terminal.

Accordingly, according to the electronic money payment system and electronic money payment method using the membership of the present invention, if the user terminal storing electronic money and subscription information subscribed to the electronic money payment request, payment of electronic money from the payment terminal or payment terminal Based on the valid membership information of the user terminal, the electronic money service center, which has been approved for approval, may automatically provide or select / apply a discount / point benefit according to the corresponding membership to provide an electronic money settlement service.

Therefore, according to the electronic money payment system and electronic money payment method using the membership of the present invention, by providing an electronic money payment service that simply and efficiently apply the effective membership benefits when requesting payment of electronic money by the user terminal, Can induce electronic money payments, and users do not have to have a membership card at all times or have to be aware of the service benefits for each subscription. Can be provided.

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

1 illustrates an electronic money payment system using membership according to a first preferred embodiment of the present invention.

As shown in FIG. 1, an electronic money settlement system using membership according to the present invention stores membership information and electronic money including at least one subscription information, and electronic money using the stored electronic money. The user terminal 20 requesting the payment, the electronic money service center 200 for processing the payment according to whether the electronic money payment of the user terminal in accordance with the request for approval of electronic money payment from the outside, and the user terminal 20 When the electronic money payment is requested from the electronic device, the electronic device according to the applied payment amount applying a predetermined discount and membership point application policy based on the valid membership information corresponding to the electronic money payment based on the membership related information from the user terminal 20. It includes a payment terminal 100 for requesting approval of money payment to the electronic money service center 200.

The user terminal 20 stores the electronic money 17. The user terminal 20 stores membership related information including various types of membership information 15 that the user of the user terminal 20 has subscribed to in correspondence with the user terminal 20.

Here, membership-related information including electronic money 17 and various types of membership information 15 stored in the user terminal 20 is preferably mounted on one card 10, and the cards 10 on which they are mounted. ) May be a user identification card such as a subscriber identification module (SIM) card or a universal subscriber identification module (USIM) in the form of a smart card.

In addition, the user terminal 20 connects to the payment terminal 100 and requests electronic money payment using the electronic money 17 stored in the user terminal 20. Here, the user terminal 20 may provide the payment terminal 100 with membership related information including various types of membership information 15 when requesting electronic money payment using the electronic money 17, or In response to a request from the payment terminal 100, membership related information including various types of membership information 15 may be provided to the payment terminal 100.

Here, the membership related information includes membership information on at least one membership service subscribed to in response to the user terminal 20, and each membership information includes corresponding membership service type information, corresponding membership service access information, and corresponding membership name information. It is preferable to include at least any one of, membership point information, subscriber information.

The user terminal 20 can be connected to the payment terminal 100 by accessing the payment terminal 100 within a predetermined distance on the offline, depending on the form of the payment terminal 100, or wired / wireless LAN network, wired / wireless Internet The payment terminal 100 may be connected through various communication networks such as a network, a portable Internet network (eg, WiBro network), a mobile communication network, a wired communication network, and the like.

Hereinafter, the payment terminal 100 is a device located in a specific store, and the user terminal 20 approaches the payment terminal 100 within a predetermined distance while offline to request electronic money payment using the electronic money 17. This will be described as an example.

The electronic money service center 200, when the electronic money payment approval is requested from the payment terminal 100 according to the electronic money payment request from the user terminal 20, according to the electronic money payment approval request of the user terminal 20 The payment is processed according to the availability of electronic money.

That is, the electronic money service center 200, when the electronic money payment approval corresponding to the user terminal 20 is requested from the payment terminal 100, the user terminal 20 for the applied payment amount according to the electronic money payment approval It is determined whether the electronic money settlement is possible. In other words, on the basis of the electronic money balance information for each user terminal managed by the electronic money service center 200, the electronic money service center 200 approves the payment of electronic money for which the electronic money balance of the corresponding user terminal 20 is requested. It is determined whether the electronic money settlement is possible by judging whether it is more than the applied settlement amount according to the above.

Thus, if the electronic money payment is possible, the electronic money service center 200 processes the payment corresponding to the applied payment amount and transmits the electronic money deduction signal to the corresponding user terminal 20 corresponding to the applied payment amount. To provide.

Referring to an example of the payment processing performed by the electronic money service center 200, the electronic money service center 200, the electronic money corresponding to the corresponding user terminal 20 that is the target of electronic money payment according to the electronic money payment approval request The balance information may be provided to the real account corresponding to the payment terminal 100 by subtracting the corresponding payment amount corresponding to the applied payment amount and managing the real money corresponding to the user terminal 20.

In addition, the electronic money service center 200 may provide an electronic money reduction signal to the user terminal 10 together with the payment terminal 100 while returning the payment approval according to the electronic money payment approval request to the payment terminal 100. .

When the electronic money payment is requested from the user terminal 20, the payment terminal 100 based on the membership related information from the user terminal 20, based on the valid membership information corresponding to the electronic money payment, a predetermined discount and The electronic money payment request is approved to the electronic money service center 200 according to the applied payment amount applying the membership point application policy.

The payment terminal 100 may be an offline device located in a specific store (eg, bookstore, bakery, etc.) or may be a device located online for payment of an online shopping mall. Hereinafter, as described above, the payment terminal 100 is a device located in a specific store, and the user terminal 20 accesses the payment terminal 100 within a predetermined distance while offline and uses the electronic money 17 using the electronic money 17. The request for payment will be described as an example.

Hereinafter, with reference to FIG. 2 to describe the specific configuration of the payment terminal 100 according to the first embodiment of the present invention.

As shown in FIG. 2, the payment terminal 100 of the present invention applies discounts and membership points to apply at least one of payment amount discount and membership point accumulation and payment amount discount using membership points for each membership service. Discount and membership point application policy storage unit 120 for storing the policy, affiliated membership information storage unit 110 for storing the affiliate membership information for at least one membership service previously registered as a membership merchant, and the user terminal 20 If the electronic money payment is requested, and if there is valid membership information corresponding to the electronic money payment based on the membership related information from the user terminal 20, the validity of the user terminal 20 in response to the electronic money payment. Approval of payment of electronic money based on the amount of payment applied by applying the discount and membership point application policy based on the membership information And a billing terminal controller 130 to request to the electronic money service center (200) portion.

The affiliate membership information storage unit 110 stores the affiliate membership information for at least one membership service to which the payment terminal 100 has previously subscribed as a membership affiliate. That is, if the payment terminal 100 has joined as a membership merchant for membership service A, the affiliate membership information storage 110 will store affiliate membership information for membership service A.

The discount and membership point application policy storage unit 120 stores a discount and a membership point application policy for applying at least one of payment amount discount and membership point accumulation and payment amount discount using membership points for each membership service. Here, the discount and membership point application policy may be provided and stored periodically or at a specific time or by a separate event from the membership service server 300..., Which provides each membership service.

Here, the discount and membership point application policy storage unit 120 of the payment terminal 100, the discount and membership point application policy corresponding to the membership service (for example, membership service A) subscribed to the payment terminal 100 as a membership merchant It is also possible to store only.

When the electronic money payment is requested from the user terminal 20, the payment terminal controller 130 determines whether there is valid membership information corresponding to the electronic money payment based on the membership related information from the user terminal 20.

That is, the payment terminal control unit 130, when the electronic money payment for a predetermined payment amount is requested from the user terminal 20, based on at least one membership information included in the membership related information provided from the user terminal 20 By determining whether there is membership information corresponding to affiliate membership information (eg, affiliate membership information for membership service A) of the affiliate membership information storage unit 110, it may be determined whether there is valid membership information. Accordingly, if membership information of the membership service A corresponding to the membership information (eg, the membership information of the membership service A) of the affiliate membership information storage unit 110 exists in the membership related information provided from the user terminal 20. The payment terminal controller 130 will recognize the user terminal 20 as a user who has subscribed to a valid membership.

Here, the payment terminal control unit 130 may be provided with the membership-related information of the user terminal 20 by providing the membership-related information when the user terminal 20 requests the electronic money payment using the electronic money 17. Or, if the electronic money payment is requested from the user terminal 20, payment terminal control unit 130 may be provided by requesting the user terminal 20 for membership related information.

Accordingly, the payment terminal control unit 130 determines that there is valid membership information corresponding to the electronic money payment request, the discount and the corresponding discount of the membership point application policy storage unit 120 based on the valid membership information of the user terminal 20. And requesting the electronic money service center 200 to approve payment of the electronic money according to the applied payment amount applying the membership point application policy. That is, the payment terminal control unit 130, based on the valid membership information (for example, membership information of the membership service A) discounts on the payment amount according to the current electronic money payment request and the corresponding discount of the membership point application policy storage unit 120 And requesting the electronic money service center 200 to approve payment of the electronic money according to the applied payment amount calculated by applying the membership point application policy (eg, a discount for membership service A and a membership point application policy).

For example, if the discount corresponding to the membership service A and the membership point application policy is a payment amount discount using the membership point to pay 10% of the payment amount as the membership point, the payment terminal controller 130 requests the electronic money payment. 10% of the payment amount (eg, 10,000 won) corresponds to the membership service A of the user terminal 20 by applying a discount and membership point application policy corresponding to the membership service A to the payment amount (eg, 10,000 won) By using the membership point to claim the electronic money payment approval according to the applied payment amount (for example, 9 thousand won) can be requested to the electronic money service center (200).

On the other hand, for example, if the discount corresponding to the membership service A and the membership point application policy is a payment amount discount using the membership point to earn 10% of the payment amount as membership points, the payment terminal controller 130 is electronic money By applying the discount and membership point application policy corresponding to the membership service A to the payment amount (eg 10,000 won) according to the payment request, 10% of the payment amount (eg 10,000 won) is applied to the membership service A of the user terminal 20. In order to accumulate as a membership point corresponding to the payment request (e.g. 10,000 won) in accordance with the electronic money payment authorization may be requested to the electronic money service center (200).

Meanwhile, the payment terminal 100 may be in a state of subscribing to the membership service A and the membership service B as a membership merchant, and the user terminal 20 may also be in a state of storing membership information subscribed to the membership service A and the membership service B. .

Accordingly, if there is at least two valid membership information corresponding to the electronic money payment request, the payment terminal controller 130 applies a discount and membership point application policy according to the requested electronic money payment corresponding to each of the valid membership information. Applicable payment history for each membership information may be displayed in advance on the display unit 140. That is, the payment terminal control unit 130, based on the valid membership information (e.g. membership information of membership service A, membership information of membership service B) discounts and membership point application policy corresponding to the payment amount according to this electronic money payment request (E.g., Membership Service A Responsiveness Discount and Membership Point Application Policy, Membership Service B Response Discount and Membership Point Application Policy) Displayed Applicable Payment Details A by Membership Information and Applied Payment Details B by Membership Information (140) ) Can be displayed.

Accordingly, the payment terminal control unit 130, the electronic money service center approved approval of the electronic money according to the applied payment amount corresponding to the applied payment information for each membership information selected from among the displayed application information (A, B) for each membership information displayed ( 200).

Accordingly, the electronic money service center 200 will process the payment amount corresponding to the user terminal 20 according to the electronic money payment approval request, and return the electronic money deduction signal to the payment approval and the user terminal 10.

The payment terminal controller 130 requests the electronic money service center 200 to approve payment of the electronic money for the applied payment amount, and responds to the payment approval and the applied payment amount indicating normal payment processing from the electronic money service center 200. When the electronic money reduction signal is received, the electronic money reduction signal is provided to the corresponding user terminal 20. Accordingly, in the user terminal 20 requesting payment of electronic money for a payment amount (eg, 10,000 won), electronic money corresponding to an applied payment amount (eg, 9,000 won) according to the electronic money deduction signal may be deducted.

At this time, the payment terminal control unit 130, when the payment approval is returned from the electronic money service center 200 in response to the request for payment approval electronic money, the discount applied to the payment request for electronic money corresponding to the user terminal 20 and It is preferable to request the membership service server 300 corresponding to the accumulation or deduction of membership points for the corresponding membership information according to the membership point application policy.

For example, a discount and membership point application policy corresponding to the membership service A is applied to the payment amount (e.g., 10,000 won) according to the electronic money payment request, so that 10% of the payment amount (e.g., 10,000 won) is applied to the user terminal ( When using the membership point corresponding to the membership service A of 20) and requesting the electronic money service center 200 to approve payment of the electronic money according to the applied payment amount (for example, 9,000 won), the payment terminal controller 130 is the user. The membership service server 300 corresponding to the terminal 20 may request the membership service server 300 corresponding to the subtraction of the membership point (for example, 1,000 points). Of course, the payment terminal control unit 130 may also request the user terminal 20 to deduct a membership point (for example, 1,000 points) from the membership information of the membership service A.

On the other hand, for example, by applying a discount and membership point application policy corresponding to the membership service A to the payment amount (eg, 10,000 won) according to the electronic money payment request, 10% of the payment amount (eg, 10,000 won) If it is required to accumulate as a membership point corresponding to the membership service A of the terminal 20 and request the electronic money payment approval to the electronic money service center 200 according to the applied payment amount (for example, 10,000 won), the payment terminal control unit ( 130 may request the corresponding membership service server 300 to accumulate membership points (for example, 1,000 points) of the membership service A corresponding to the user terminal 20. Of course, the payment terminal control unit 130 may also request the user terminal 20 to earn membership points (eg, 1,000 points) in the membership information of the membership service A.

In addition, the payment terminal control unit 130 will store and manage the payment details according to the electronic money payment request from the user terminal 20 in the payment history storage unit 150. That is, the payment terminal control unit 130, according to the electronic money payment request from the user terminal 20, apply certain membership information and any discount and membership point application policy to pay the applied payment amount and earn a certain amount of membership points It stores / manages the payment history for whether or not the payment history storage unit 150.

Accordingly, the payment terminal control unit 130, by providing the payment history stored / managed in the payment history storage unit 150 at a periodic or specific time or by a separate event to the corresponding membership service server (300) ... In addition, it can be provided as a member merchant. This may be the same as that performed in a general conventional membership franchise.

As described above, the electronic money payment system using the membership according to the first embodiment of the present invention, when the electronic money payment request from the user terminal 20 for storing the electronic money and subscription information, the payment terminal ( 100) by automatically applying or presenting discounts / points benefits according to the membership based on the valid membership information of the user terminal 20 and requesting the electronic money service center 200 to approve the selected / applied electronic money payment, the user. It is possible to provide an electronic money payment service that simply and efficiently applies a valid membership benefit according to the electronic money payment request of the terminal 20.

Accordingly, the electronic money payment system using the membership according to the first embodiment of the present invention, by providing an electronic money payment service that simply and efficiently apply the effective membership benefits when requesting electronic money payment of the user terminal 20, For the money operator, it is possible to induce electronic money payment, and for the user, it is necessary to have a membership card at all times or to be aware of the service benefits for each subscription. Benefits may be provided.

On the other hand, in the above-described first embodiment, the payment terminal 100 is configured to request the approval of electronic money payment to the electronic money service center 200 in response to the electronic money payment request requested from the user terminal 20, or the payment terminal ( 100) may be equipped with a payment function that can process the payment itself. For example, a traffic fare payment terminal mounted on a bus or subway may correspond to this case.

Thus, if the payment terminal 100 is equipped with a payment function unit (not shown), such as storing a key for payment (for example, payment SAM), the payment terminal 100 is the electronic money payment from the user terminal 20 Whenever the request is made, the electronic money service center 200 may process the payment approval within the payment terminal 100 without requesting the electronic money payment approval.

In this case, the payment terminal control unit 130 of the payment terminal 100, when the electronic money payment for a predetermined payment amount is requested from the user terminal 20, membership related information and affiliate membership information provided from the user terminal 20. The above-described process of recognizing whether or not the user has subscribed to a valid membership of the user terminal 20 based on the membership information corresponding to the affiliate membership information of the storage unit 110 (for example, the membership information of the membership service A). The payment terminal control unit 130 determines that there is valid membership information corresponding to the electronic money payment request, based on the valid membership information of the user terminal 20, the corresponding discount and membership point application policy storage unit 120 The electronic money payment approval according to the applied payment amount applying the discount and membership point application policy may be requested to the payment function unit (not shown) in the payment terminal 100.

Accordingly, the payment function unit (not shown) in the payment terminal 100 processes the electronic money payment according to the applied payment amount to which the discount and membership point application policy is applied, and the payment terminal 100 receives the payment approval and electronic money deduction signal. It may be provided to the user terminal 10.

Of course, if the payment terminal 100 is equipped with a payment function that can process the payment itself, the payment terminal 100 is the electronic money payment corresponding to the user terminal 20 as described above after the payment processing Membership service server 300 corresponding to the earning or deduction of membership points for the membership information according to the discount and membership point application policy applied at the time of request for approval can be requested, and payment according to the electronic money payment request from the user terminal 20 The details will be stored and managed in the payment history storage unit 150. That is, the payment terminal 100 applies certain membership information and any discount and membership point application policy according to the electronic money payment request from the user terminal 20 to settle the applied payment amount and earn / deduct some corresponding membership points. The payment history for the storage is stored / managed in the payment history storage unit 150.

At this time, if the payment terminal 100 is equipped with a payment function that can process the payment itself, the payment terminal 100 is a user of the payment history according to the electronic money payment request from the user terminal 20 after payment processing Providing to the terminal 20, the user terminal 20 to pay the payment amount by applying any membership information and any discount and membership point application policy in accordance with the electronic money payment request from the user terminal 20 this time It would be desirable to be able to check the payment history for whether the corresponding membership points earned / deducted.

Hereinafter, an electronic money payment system using membership according to a second embodiment of the present invention will be described with reference to FIG. 3.

As shown in FIG. 3, the electronic money settlement system using the membership according to the second embodiment of the present invention stores membership information and electronic money including at least one subscription information, and stores the electronic money. User terminal 20 for requesting electronic money payment using money, and if electronic money payment is requested from user terminal 20, requests electronic money payment approval accordingly and provides the membership related information from user terminal 20. When the payment terminal 400 and the electronic money payment approval is requested from the payment terminal 400, the payment terminal 400 based on the membership related information of the user terminal 20 provided according to the electronic money payment approval request. If valid membership information corresponding to the present information exists in the membership related information, a predetermined discount and membership point application policy is applied based on the valid membership information. It includes electronic money service center (500) to process the payment on your payment for.

Here, since the user terminal 20 is the same as the user terminal 20 described in the electronic money payment system using the membership according to the first embodiment described above, the same reference numerals are referred to, and a detailed description thereof will be omitted.

The payment terminal 400, when the electronic money payment for a predetermined payment amount is requested from the user terminal 20, and requests the electronic money payment approval accordingly to the electronic money service center 500.

In this case, the payment terminal 400 may provide the electronic money service center 500 with the membership related information of the user terminal 20 provided when the electronic money payment request is received from the user terminal 20, or the electronic money. In accordance with a request from the electronic money service center 500 for which payment approval has been requested, membership related information may be requested / received to the user terminal 20 and provided to the electronic money service center 500.

And the payment terminal 400, the electronic money service center 500 after the electronic money payment approval request corresponding to the user terminal 20, the payment approval from the electronic money service center 500 according to this and the payment approval When the electronic money reduction signal is received, the electronic money reduction signal is provided to the corresponding user terminal 20.

When the electronic money service center 500 requests approval of payment of electronic money from the payment terminal 400 to the user terminal 20, the electronic money service center 500 based on the membership related information of the user terminal 20 provided in accordance with the request for payment approval of the electronic money. When the valid membership information corresponding to the payment terminal 400 is present in the membership related information of the user terminal 20, the payment for the applied payment amount applying the predetermined discount and membership point application policy based on the valid membership information To process

Hereinafter, the electronic money service center 500 according to the second embodiment of the present invention will be described in more detail with reference to FIG. 4.

As shown in FIG. 4, the electronic money service center 500 according to the second embodiment of the present invention applies at least one of payment amount discount, membership point accumulation, and payment amount discount using membership points for each membership service. A discount and membership point application policy storage unit 520 for storing a discount and membership point application policy for storing the affiliate membership information for at least one membership service previously registered as a membership merchant in response to each payment terminal. Membership information storage unit 510 for each payment terminal, and when the electronic money payment approval for a predetermined user terminal 20 is requested from the payment terminal 400, the user terminal 20 provided in accordance with the electronic money payment approval request The valid membership information corresponding to the payment terminal 400 is based on the membership related information of the membership and the affiliated membership information corresponding to the payment terminal 400. If present in the membership-related information, a service provider 540 for processing a payment according to the applied payment amount to which the discount and membership point application policy is applied based on the valid membership information of the user terminal 20, and the settlement / management unit ( 530).

The settlement / management unit 530 stores the balance information on the electronic money held by the corresponding user terminal in response to each of the user terminals managed by the electronic money service center 500, and controls the service provider 540. The electronic money balance information of the predetermined user terminal is increased or subtracted according to the settlement and management.

The discount and membership point application policy storage unit 520 stores a discount and a membership point application policy for applying at least one of payment amount discount and membership point accumulation and payment amount discount using membership points for each membership service. Here, the discount and membership point application policy may be provided and stored periodically or at a specific time or by a separate event from the membership service server 300..., Which provides each membership service.

The affiliate membership information storage unit 510 for each payment terminal corresponds to each payment terminal managed by the electronic money service center 500, for at least one membership service previously subscribed as a membership affiliate in response to the payment terminal. Store affiliate membership information. That is, if the payment terminal 400 is registered as a membership merchant for the membership service A, the membership information storage unit 510 for each payment terminal, the membership information for the membership service A corresponding to the payment terminal 400 is provided. Will be saved.

The service provider 540, when the electronic money payment approval for the predetermined user terminal 20 is requested from the payment terminal 400, the membership related information of the user terminal 20 provided in accordance with the electronic money payment approval request And based on the affiliate membership information corresponding to the payment terminal 400, it is determined whether valid membership information corresponding to the payment terminal 400 exists in the membership related information.

That is, the service provider 540, at the payment terminal 400, the electronic money payment approval of the predetermined payment amount for the predetermined user terminal 20, at least one included in the membership related information of the user terminal 20 Based on the membership information of the payment terminal 400 and the membership information of the payment terminal 400 of the membership information storage unit for each payment terminal, the affiliated membership information of the payment terminal 400 (eg, affiliate membership information for the membership service A) By determining whether there is membership information corresponding to), it is possible to determine whether valid membership information exists. Thus, if there is membership information of the membership service A corresponding to the membership information (eg, the membership information of the membership service A) of the payment terminal 400 in the membership related information of the user terminal 20, the service provider 540 may recognize the user terminal 20 as a user who has subscribed to a valid membership corresponding to the payment terminal 400.

As such, if there is valid membership information corresponding to the payment terminal 400 in the membership related information of the user terminal 20, the service provider 540 based on the valid membership information of the user terminal 20, discounts and membership points Process the payment according to the applied payment amount applying the applicable discount and membership point application policy of the applied policy storage unit 520.

That is, the service provider 540 calculates an applied payment amount based on the discount and membership point application policy of the discount and membership point application policy storage unit 520 based on the valid membership information of the user terminal 20.

For example, while the payment terminal 400 subscribes to the membership service A as a membership merchant and the user terminal 20 subscribes to the membership service A, the discount and membership point application policy corresponding to the membership service A is applied to the payment amount. In the case of a payment amount discount using a membership point for paying 10% of the membership point, the service provider 540 subscribes to the payment amount (eg, 10,000 won) according to the electronic money payment approval request from the payment terminal 400. By applying the discount and membership point application policy corresponding to service A, 10% of the payment amount (for example, 10,000 won) uses the membership point corresponding to the membership service A of the user terminal 20 and applies the payment amount (for example, 9,000 won).

On the other hand, for example, while the payment terminal 400 subscribes to the membership service A as a membership merchant and the user terminal 20 subscribes to the membership service A, the discount and membership point application policy corresponding to the membership service A is settled. In the case of a payment amount discount using a membership point for accumulating 10% of the amount as a membership point, the service provider 540 may provide a discount corresponding to the membership service A to the payment amount (eg, 10,000 won) according to the electronic money payment request. And applying the membership point application policy, 10% of the payment amount (e.g. 10,000 won) is to be accumulated as membership points corresponding to the membership service A of the user terminal 20, and the applied settlement amount (e.g. 10,000 won) is derived. You may.

 Accordingly, the service provider 540 determines whether the electronic money payment of the corresponding user terminal 20 is possible for the calculated settlement amount. In other words, the service provider 540 determines whether the electronic money balance is possible by determining whether the electronic money balance of the user terminal 20 of the settlement / management unit 530 is equal to or greater than the calculated applied payment amount.

Therefore, if it is determined that payment of electronic money is possible, the service provider 540 processes the payment according to the applied payment amount calculated by applying the discount and membership point application policy. That is, when an example of payment processing performed by the electronic money service center 500 is described, the service provider 540 may settle / corresponding to the corresponding user terminal 20 that is the target of electronic money payment according to the electronic money payment approval request. The electronic money balance information of the management unit 530 may be subtracted according to the applied payment amount, and the actual money managed in correspondence with the user terminal 20 may be provided to the real account corresponding to the payment terminal 400.

In this way, the service provider 540 that processes the payment according to the applied payment amount calculated by applying the discount and membership point application policy returns a payment approval indicating that the payment is normally processed to the payment terminal 400 and applies the applied payment amount to the applied payment amount. The electronic money reduction signal to the corresponding user terminal 20 is provided to the payment terminal 400.

Accordingly, the payment terminal 400 provides the electronic money reduction signal from the electronic money service center 500 according to the payment approval to the corresponding user terminal 20, and the electronic money for the payment amount (for example, 10,000 won). In the user terminal 20 requesting the payment, the electronic money corresponding to the applied payment amount (for example, 9,000 won) according to the electronic money deduction signal may be deducted.

At this time, the service provider 540, after processing the payment for the applied payment amount applying the discount and membership point application policy based on the valid membership information of the user terminal 20, the application of the discount and membership point application policy. It is preferable to request the membership service server 300 corresponding to the earning or subtracting membership points for the corresponding membership information corresponding to the user terminal 20 according to the.

For example, a discount and membership point application policy corresponding to the membership service A is applied to the payment amount (e.g., 10,000 won) according to the electronic money payment request, so that 10% of the payment amount (e.g., 10,000 won) is applied to the user terminal ( In the case of using the membership point corresponding to the membership service A of 20) and processing the payment according to the applied payment amount (for example, 9,000 won), the service provider 540, the membership service corresponding to the user terminal 20 A membership point (eg, 1,000 points) of A may be requested to the membership service server 300 corresponding to the deduction. Of course, the service provider 540 may also request the user terminal 20 through the payment terminal 400 to subtract a membership point (for example, 1,000 points) from the membership information of the membership service A.

On the other hand, for example, by applying a discount and membership point application policy corresponding to the membership service A to the payment amount (eg, 10,000 won) according to the electronic money payment request, 10% of the payment amount (eg, 10,000 won) If it is to be accumulated as a membership point corresponding to the membership service A of the terminal 20 and the payment is processed according to the applied payment amount (for example, 10,000 won), the service provider 540 corresponds to the user terminal 20. Membership service A can be requested to the corresponding membership service server 300 to earn a membership point (for example, 1,000 points). Of course, the service provider 540 may also request the user terminal 20 through the payment terminal 400 to earn membership points (eg, 1,000 points) in the membership information of the membership service A.

In addition, the service provider 540 processes the payment for the applied payment amount applying the discount and the membership point application policy based on the valid membership information of the user terminal 20, and then applies the application payment to the user terminal 20. It is preferable to provide the payment history processed by the payment amount to the payment terminal 400. That is, according to the electronic money payment approval request of the predetermined payment amount requested for the user terminal 20, the certain amount of membership information, certain discounts and membership point application policy is applied to settle the applied amount and earn some corresponding membership points / It is preferable that the service providing unit 540 provides the payment details regarding the deduction to the payment terminal 400.

Thus, the payment terminal 400 stores and manages the payment details provided from the electronic money service center 500, and the membership service server corresponding to the stored / managed payment details periodically or at specific times or by separate events ( 300 ...), you can benefit from membership merchants. This may be the same as that performed in a general conventional membership franchise.

As described above, the electronic money payment system using the membership according to the second embodiment of the present invention, the payment terminal in accordance with the electronic money payment request from the user terminal 20 for storing the electronic money and the subscription information subscribed to When the electronic money payment request is requested to the 400, the electronic money service center 500 automatically applies the discount / point benefits according to the corresponding membership based on the valid membership information of the user terminal 20 to process the payment, and thereby the user terminal. It is possible to provide an electronic money payment service applying a valid membership benefit according to the electronic money payment request of (20) simply and efficiently.

Accordingly, the electronic money payment system using the membership according to the second embodiment of the present invention provides an electronic money payment service that simply and efficiently applies a valid membership benefit when requesting electronic money payment of the user terminal 20. For the money operator, it is possible to induce electronic money payment, and for the user, it is necessary to have a membership card at all times or to be aware of the service benefits for each subscription. Benefits may be provided.

Hereinafter, the control flow of the electronic money settlement method using the membership according to the first embodiment of the present invention configured as described above will be described with reference to FIGS. 5 to 7. Here, for the convenience of description, the configuration shown in FIGS. 1 and 2 described above will be described with reference to the corresponding reference numerals.

First, the user terminal 10 that stores membership related information including various types of membership information 15 that the user of the electronic money 17 and the user terminal 20 subscribe to in response to the user terminal 20 is present. The payment terminal 100 requests the electronic money payment of a predetermined payment amount (S10).

Accordingly, the user terminal 10 requests the membership related information to the corresponding user terminal 20, which is the payment terminal 100 that has received the electronic money payment (S20). Thus, the user terminal 20 provides the membership related information that is stored in advance to the payment terminal 100. Here, the membership related information includes membership information on at least one membership service subscribed to in response to the user terminal 20, and each membership information includes corresponding membership service type information, corresponding membership service access information, and corresponding membership name information. It is preferable to include at least any one of, membership point information, subscriber information.

Here, without step S20 and step S30, when the user terminal 20 requests the electronic money payment using the electronic money 17 in step S10, the payment terminal (with the membership related information including various types of membership information 15) together with the payment terminal ( 100).

The payment terminal 100 searches for valid membership information corresponding to the electronic money payment based on the membership related information from the user terminal 20 when the electronic money payment is requested from the user terminal 20 and the membership related information is provided. (S30), calculate the applicable payment amount applying the applicable discount and membership point application policy based on the valid membership information (S40), and request the electronic money payment approval to the electronic money service center 200 according to the applied payment amount. (S50).

Therefore, when the electronic money service approval request for the electronic money corresponding to the user terminal 20 is requested from the payment terminal 100, the electronic money service center 200 corresponds to the user terminal 20 for the applied payment amount according to the electronic money payment approval. It is determined whether the electronic money settlement is possible (S60). In other words, on the basis of the electronic money balance information for each user terminal managed by the electronic money service center 200, the electronic money service center 200 approves the payment of electronic money for which the electronic money balance of the corresponding user terminal 20 is requested. It is determined whether the electronic money settlement is possible by judging whether it is more than the applied settlement amount according to the above.

Thus, if the electronic money payment is possible, the electronic money service center 200 processes the payment corresponding to the applied payment amount (S70), and the electronic money to the corresponding user terminal 20 corresponding to the applied payment amount with approval of the payment. The deduction signal is provided to the payment terminal 100 (S75). Referring to an example of the payment processing performed by the electronic money service center 200, the electronic money service center 200, the electronic money corresponding to the corresponding user terminal 20 that is the target of electronic money payment according to the electronic money payment approval request The balance information may be provided to the real account corresponding to the payment terminal 100 by subtracting the corresponding payment amount corresponding to the applied payment amount and managing the real money corresponding to the user terminal 20.

On the other hand, if the electronic money payment is not possible, the electronic money service center 200 may notify the payment terminal 100 that payment is impossible.

Accordingly, when the electronic money service center 200 requests the approval of the electronic money payment for the applied payment amount, the electronic money service deduction signal corresponding to the payment approval indicating the normal payment processing and the applied payment amount from the electronic money service center 200 is applied. The payment terminal 100 receives the electronic money reduction signal is provided to the corresponding user terminal 20 (S80). Accordingly, in the user terminal 20 requesting payment of electronic money for a payment amount (for example, 10,000 won), electronic money corresponding to an applied payment amount (for example, 9,000 won) according to the electronic money deduction signal may be deducted (S85). .

Also, the payment terminal 100 receiving the electronic money deduction signal corresponding to the payment approval and the applied payment amount corresponds to the discount and membership point application policy applied when the electronic money payment approval request is applied in response to the user terminal 20. Request to the membership service server 300 corresponding to the membership point earning or deduction for the membership information (S90).

In addition, the payment terminal 100 receiving the electronic money deduction signal corresponding to the payment approval and the applied payment amount stores and manages payment details according to the electronic money payment request from the user terminal 20 (S95). That is, the payment terminal 100, according to the request for payment of electronic money from the user terminal 20, apply certain membership information and any discount and membership point application policy to pay the applied payment amount and earn a certain amount of membership points / It stores / manages the payment history for deduction.

Hereinafter, the electronic money payment method using the membership of the payment terminal 100 according to the first embodiment of the present invention will be described with reference to FIGS. 6 and 7.

Payment terminal 100 of the present invention, the payment terminal 100 stores the affiliate membership information for at least one membership service that is already subscribed as a membership merchant (S100). That is, if the payment terminal 100 subscribes as a membership merchant for the membership service A, the affiliate membership information storage unit 110 of the payment terminal 100 will store the affiliate membership information for the membership service A.

In addition, the payment terminal 100 stores a discount and a membership point application policy for applying at least one of payment amount discount, membership point accumulation, and payment amount discount using membership points for each membership service (S115). Here, the discount and membership point application policy may be provided and stored periodically or at a specific time or by a separate event from the membership service server 300..., Which provides each membership service. In this case, the payment terminal 100 may store only the discount and membership point application policies corresponding to the membership service (for example, membership service A) subscribed to the payment terminal 100 as a membership affiliate.

The payment terminal 100 determines whether an electronic money payment corresponding to a predetermined payment amount is requested from the user terminal 20 (S120). When the electronic money payment is requested, the payment terminal 100 determines whether there is valid membership information corresponding to the electronic money payment based on the membership related information from the user terminal 20 (S130).

Referring to step S130, the payment terminal 100, when the electronic money payment request is requested and receives the membership related information to the user terminal 20 (S133). In operation S136, it is determined whether there is valid membership information corresponding to the electronic money payment in the membership related information of the user terminal 20 received.

That is, the payment terminal 100, if the electronic money payment for a predetermined payment amount is requested from the user terminal 20, based on at least one membership information included in the membership related information provided from the user terminal 20 affiliated with the affiliated party. By determining whether there is membership information corresponding to affiliate membership information (eg, affiliate membership information for membership service A) of the membership information storage unit 110, it may be determined whether valid membership information exists.

Accordingly, if membership information of the membership service A corresponding to the membership information (eg, the membership information of the membership service A) of the affiliate membership information storage unit 110 exists in the membership related information provided from the user terminal 20. The payment terminal 100 will recognize the user terminal 20 as a user who has subscribed to a valid membership.

The payment terminal 100 determines that there is valid membership information corresponding to the electronic money payment request, and determines whether there is at least two or more valid membership information corresponding to the electronic money payment request (S140). Accordingly, if it is determined that there is a single valid membership information corresponding to the electronic money payment request, the payment terminal 100, based on the valid membership information of the user terminal 20, the discount corresponding to the pre-stored discount and membership point application policy. And requesting the electronic money service center 200 to approve payment of the electronic money according to the applied payment amount to which the membership point application policy is applied (S170). That is, the payment terminal 100, based on the valid membership information (e.g. membership information of membership service A), the discount corresponding to the payment amount and the membership point application policy (e.g., membership service A corresponding discount) And requesting the electronic money service center 200 to approve payment of the electronic money according to the applied settlement amount calculated by applying the membership point application policy).

For example, when the discount corresponding to the membership service A and the membership point application policy are payment amount discounts using the membership point to pay 10% of the payment amount as the membership point, the payment terminal 100 requests the electronic money payment. 10% of the payment amount (eg, 10,000 won) corresponds to the membership service A of the user terminal 20 by applying a discount and membership point application policy corresponding to the membership service A to the payment amount (eg, 10,000 won) By using the membership point to claim the electronic money payment approval according to the applied payment amount (for example, 9 thousand won) can be requested to the electronic money service center (200).

On the other hand, for example, if the discount corresponding to the membership service A and the membership point application policy is a payment amount discount using the membership point to earn 10% of the payment amount as membership points, the payment terminal 100 is electronic money By applying the discount and membership point application policy corresponding to the membership service A to the payment amount (eg 10,000 won) according to the payment request, 10% of the payment amount (eg 10,000 won) is applied to the membership service A of the user terminal 20. In order to accumulate as a membership point corresponding to the payment request (e.g. 10,000 won) in accordance with the electronic money payment authorization may be requested to the electronic money service center (200).

On the other hand, if it is determined in step S140 that there is a plurality of valid membership information corresponding to the electronic money payment request, the payment terminal 100, the discount and membership point application policy according to the requested electronic money payment corresponding to each of the valid membership information Applied payment details for each applied membership information may be displayed in advance and presented to the user of the user terminal 20 (S140). That is, the payment terminal 100, based on the valid membership information (e.g. membership information of membership service A, membership information of membership service B) discount and membership point application policy corresponding to the payment amount according to this electronic money payment request ( Example: Membership service A corresponding discount and membership point application policy, membership service B response discount and membership point application policy) respectively applied to the calculated payment history A for each membership information, the payment history B for each membership information display unit 140 Can be marked on.

Accordingly, the payment terminal 100, if any one of the displayed payment information (A, B) for each of the displayed membership information is selected (S150), the electronic money payment according to the applied payment amount corresponding to the selected payment information for the selected membership information The approval may be requested to the electronic money service center 200 (S160).

Accordingly, the electronic money service center 200 will process the payment amount corresponding to the user terminal 20 according to the electronic money payment approval request, and return the electronic money deduction signal to the payment approval and the user terminal 10.

Thus, referring to FIG. 7, the payment terminal 100 requests payment of the electronic money payment for the applied payment amount to the electronic money service center 200 and indicates a normal payment process from the electronic money service center 200. It is determined whether the electronic money reduction signal corresponding to the approval and the applied payment amount is received (S180), and when received, the electronic money reduction signal is provided to the corresponding user terminal 20 (S185). Accordingly, in the user terminal 20 requesting payment of electronic money for a payment amount (eg, 10,000 won), electronic money corresponding to an applied payment amount (eg, 9,000 won) according to the electronic money deduction signal may be deducted.

The payment terminal 100 will store and manage payment details according to the electronic money payment request from the user terminal 20 (S190). That is, the payment terminal 100, according to the request for payment of electronic money from the user terminal 20, apply certain membership information and any discount and membership point application policy to pay the applied payment amount and earn a certain amount of membership points / The payment history for the deduction is stored / managed in the payment history storage unit 150.

Thus, the payment terminal 100, by providing the payment history stored / managed in the payment history storage unit 150 at a periodic or specific time or by a separate event to the corresponding membership service server (300), Receive benefits as a member merchant. This may be the same as that performed in a general conventional membership franchise.

On the other hand, the payment terminal 100, the membership service server corresponding to the user terminal 20, earning or subtracting membership points for the corresponding membership information according to the discount and membership point application policy applied when the electronic money payment approval request ( 300) (S195).

For example, a discount and membership point application policy corresponding to the membership service A is applied to the payment amount (e.g., 10,000 won) according to the electronic money payment request, so that 10% of the payment amount (e.g., 10,000 won) is applied to the user terminal ( In the case of using the membership point corresponding to the membership service A of 20) and requesting the electronic money service center 200 to approve payment of the electronic money according to the applied payment amount (for example, 9,000 won), the payment terminal 100 is the user. The membership service server 300 corresponding to the terminal 20 may request the membership service server 300 corresponding to the subtraction of the membership point (for example, 1,000 points). Of course, the payment terminal 100 may also request that the user terminal 20 deduct a membership point (eg, 1,000 points) from the membership information of the membership service A.

On the other hand, for example, by applying a discount and membership point application policy corresponding to the membership service A to the payment amount (eg, 10,000 won) according to the electronic money payment request, 10% of the payment amount (eg, 10,000 won) If it is to be earned as a membership point corresponding to the membership service A of the terminal 20 and the electronic money service authorization request to the electronic money service center 200 according to the applied payment amount (eg 10,000 won), payment terminal 100 The request may be made to the corresponding membership service server 300 to earn membership points (eg, 1,000 points) of the membership service A corresponding to the user terminal 20. Of course, the payment terminal 100 may also request the user terminal 20 to earn membership points (eg, 1,000 points) in the membership information of the membership service A.

As described above, in the electronic money payment method using the membership according to the first embodiment of the present invention, when the electronic money payment request from the user terminal 20 for storing electronic money and subscription information, the payment terminal ( 100) by automatically applying or presenting discounts / points benefits according to the membership based on the valid membership information of the user terminal 20 and requesting the electronic money service center 200 for approval of the selected / applied electronic money, the user It is possible to provide an electronic money payment service that simply and efficiently applies a valid membership benefit according to the electronic money payment request of the terminal 20.

Accordingly, the electronic money payment method using the membership according to the first embodiment of the present invention, by providing an electronic money payment service that simply and efficiently apply the effective membership benefits when requesting the electronic money payment of the user terminal 20, For the money operator, it is possible to induce electronic money payment, and for the user, it is necessary to have a membership card at all times or to be aware of the service benefits for each subscription. Benefits may be provided.

Hereinafter, the control flow of the electronic money settlement method using the membership according to the second embodiment of the present invention configured as described above will be described with reference to FIGS. 8 to 9. Here, for the convenience of description, the configuration shown in FIGS. 3 and 4 described above will be described with reference to the corresponding reference numerals.

First, the user terminal 10 that stores membership related information including various types of membership information 15 that the user of the electronic money 17 and the user terminal 20 subscribe to in response to the user terminal 20 is present. The payment terminal 400 requests the electronic money payment of a predetermined payment amount (S200). In this case, the user terminal 20 may provide the payment terminal 400 with membership related information including various types of membership information 15 when the electronic money payment request is made using the electronic money 17.

Here, the membership related information includes membership information on at least one membership service subscribed to in response to the user terminal 20, and each membership information includes corresponding membership service type information, corresponding membership service access information, and corresponding membership name information. It is preferable to include at least any one of, membership point information, subscriber information.

Payment terminal 400, if the electronic money payment is requested from the user terminal 20 and provided with the membership-related information, electronic money payment authorization in accordance with the electronic money payment request from the user terminal 20 electronic money service center (500) Request (S210). In this case, the payment terminal 400 may provide the electronic money service center 500 with the membership related information of the user terminal 20 when the electronic money payment approval request is made.

When the electronic money service center 500 requests the approval of payment of electronic money for the user terminal 20 from the payment terminal 400, the membership related information of the user terminal 20 provided according to the request for payment approval of the electronic money and On the basis of the affiliate membership information corresponding to the payment terminal 400, it is determined whether valid membership information corresponding to the payment terminal 400 exists in the membership related information (S220).

Accordingly, if there is valid membership information, the electronic money service center 500 calculates an applied payment amount reflecting the applicable discount and membership point application policy based on the valid membership information of the user terminal 20 (S230). It is determined whether the electronic money payment of the user terminal 20 is applicable to the applied payment amount (S240), and if payment is possible, the payment is processed according to the applied payment amount (S250).

In addition, the electronic money service center 500 returns the payment approval indicating that the payment is normally processed to the payment terminal 400 and sends the electronic money reduction signal to the payment terminal 400 corresponding to the applied payment amount to the payment terminal 400. Provided (S260).

The payment terminal 400, when the payment approval is returned and the electronic money reduction signal according to the payment approval is provided, the electronic money reduction signal is provided to the corresponding user terminal 20 (S265). Accordingly, in the user terminal 20 requesting payment of electronic money for a payment amount (eg, 10,000 won), electronic money corresponding to an applied payment amount (eg, 9,000 won) according to the electronic money deduction signal may be deducted (S269). .

On the other hand, the electronic money service center 500, after processing the payment according to the applied payment amount, it is preferable to provide the payment terminal 400 to the payment terminal processed payment with the applied payment amount to the user terminal 20 ( S270). That is, according to the electronic money payment approval request of the predetermined payment amount requested for the user terminal 20, the certain amount of membership information, certain discounts and membership point application policy is applied to settle the applied amount and earn some corresponding membership points / It is preferable that the electronic money service center 500 provides the payment details regarding the deduction to the payment terminal 400.

Accordingly, the payment terminal 400 stores and manages the payment details provided from the electronic money service center 500 (S275), and the membership corresponding to the stored / managed payment details periodically or at a specific time or by a separate event. By providing to the service server (300), it can be provided with benefits as a membership merchant. This may be the same as that performed in a general conventional membership franchise.

Meanwhile, the electronic money service center 500 processes the payment according to the applied payment amount, and then accumulates or deducts membership points for the corresponding membership information corresponding to the user terminal 20 according to the applicable discount and membership point application policy. Request to the corresponding membership service server 300 (S280).

Hereinafter, the electronic money settlement method using the membership of the electronic money service center 500 according to the second embodiment of the present invention will be described with reference to FIG. 9.

The electronic money service center 500 of the present invention stores a discount and a membership point application policy for applying at least one of payment amount discount and membership point accumulation and payment amount discount using membership points for each membership service (S300). . Here, the discount and membership point application policy may be provided and stored periodically or at a specific time or by a separate event from the membership service server 300..., Which provides each membership service.

In addition, the electronic money service center 500 corresponds to each of all payment terminals managed by the electronic money service center 500, and affiliate membership information on at least one membership service previously subscribed as a membership merchant in response to the corresponding payment terminal. Store the (S310). That is, if the payment terminal 400 is registered as a membership merchant for membership service A, the membership information storage unit 510 for each payment terminal of the electronic money service center 500 corresponds to the payment terminal 400 for membership. Affiliation membership information for service A will be stored.

The electronic money service center 500 determines whether the electronic money payment approval for the predetermined user terminal 20 is requested from the payment terminal 400 (S320), and when the electronic money payment approval is requested, the electronic money payment approval request is made. Based on the membership related information of the user terminal 20 and the affiliated membership information corresponding to the payment terminal 400, it is determined whether valid membership information corresponding to the payment terminal 400 exists in the membership related information (S330). ).

That is, when the electronic money service center 500 requests the approval of the electronic money payment of the predetermined payment amount for the predetermined user terminal 20 from the payment terminal 400, at least one included in the membership related information of the user terminal 20. Based on the membership information of the payment terminal 400 and the membership information of the payment terminal 400 of the membership information storage unit for each payment terminal, the affiliated membership information of the payment terminal 400 (eg, affiliate membership information for the membership service A) By determining whether there is membership information corresponding to), it is possible to determine whether valid membership information exists.

Accordingly, if there is membership information of the membership service A corresponding to the membership information of the payment terminal 400 (for example, the membership information of the membership service A) in the membership related information of the user terminal 20, the electronic money service The center 500 will recognize the user terminal 20 as a user who has subscribed to a valid membership corresponding to the payment terminal 400.

As such, if there is valid membership information corresponding to the payment terminal 400 in the membership related information of the user terminal 20, the electronic money service center 500 discounts previously stored based on the valid membership information of the user terminal 20. And the payment process according to the applied payment amount applying the applicable discount and membership point application policy of the membership point application policy (S340). That is, the electronic money service center 500 calculates the applied payment amount applying the corresponding discount and membership point application policy based on the valid membership information of the user terminal 20.

For example, while the payment terminal 400 subscribes to the membership service A as a membership merchant and the user terminal 20 subscribes to the membership service A, the discount and membership point application policy corresponding to the membership service A is applied to the payment amount. In the case of a payment amount discount using a membership point for paying 10% as a membership point, the electronic money service center 500 may apply to the payment amount (eg, 10,000 won) in response to a request for approval of electronic money payment from the payment terminal 400. Applying the discount and membership point application policy corresponding to membership service A, 10% of the payment amount (e.g., 10,000 won) uses the membership point corresponding to membership service A of the user terminal 20, and applies the settlement amount (e.g., : 9,000 won).

On the other hand, for example, while the payment terminal 400 subscribes to the membership service A as a membership merchant and the user terminal 20 subscribes to the membership service A, the discount and membership point application policy corresponding to the membership service A is settled. In the case of a payment amount discount using a membership point for earning 10% of the amount as a membership point, the electronic money service center 500 corresponds to the membership service A to the payment amount (eg, 10,000 won) according to the electronic money payment request. Applying the discount and membership point application policy, 10% of the payment amount (e.g. 10,000 won) is to be accumulated as membership points corresponding to the membership service A of the user terminal 20, and the applied settlement amount (e.g. 10,000 won) It can also be derived.

 Accordingly, the electronic money service center 500 determines whether the electronic money payment of the corresponding user terminal 20 is possible for the calculated payment amount derived (S350). In other words, the electronic money service center 500 determines whether the electronic money balance of the user terminal 20 is greater than or equal to the calculated payment amount based on the electronic money balance information managed in correspondence with the corresponding user terminal 20. It is determined whether the electronic money settlement is possible.

Accordingly, if it is determined that payment of electronic money is possible, the electronic money service center 500 processes the payment according to the applied payment amount calculated by applying the discount and membership point application policy (S360). That is, when an example of payment processing performed by the electronic money service center 500 is described, the electronic money service center 500 corresponds to an electronic terminal corresponding to the user terminal 20 that is the target of electronic money payment according to the electronic money payment approval request. The amount corresponding to the applied settlement amount may be subtracted from the monetary balance information, and real money managed in correspondence to the user terminal 20 may be provided to the real account corresponding to the payment terminal 400.

On the other hand, if it is determined in step S350 that the electronic money payment is impossible, the electronic money service center 500 may notify the payment terminal 400 that payment is impossible (S355).

As such, the electronic money service center 500 that processed the payment according to the applied payment amount calculated by applying the discount and membership point application policy returns the payment approval indicating that the payment is normally processed to the payment terminal 400 and applies the applied payment amount. The electronic money reduction signal to the user terminal 20 corresponding to the payment terminal 400 is provided (S370).

Accordingly, the payment terminal 400 provides the electronic money reduction signal from the electronic money service center 500 according to the payment approval to the corresponding user terminal 20, and the electronic money for the payment amount (for example, 10,000 won). In the user terminal 20 requesting the payment, the electronic money corresponding to the applied payment amount (for example, 9,000 won) according to the electronic money deduction signal may be deducted.

In addition, the electronic money service center 500 may provide the payment details processed by the payment amount applied to the user terminal 20 to the payment terminal 400 after the payment is processed (S380). That is, according to the electronic money payment approval request of the predetermined payment amount requested for the user terminal 20, the certain amount of membership information, certain discounts and membership point application policy is applied to settle the applied amount and earn some corresponding membership points / It is preferable that the electronic money service center 500 provides the payment details regarding the deduction to the payment terminal 400.

Thus, the payment terminal 400 stores and manages the payment details provided from the electronic money service center 500, and the membership service server corresponding to the stored / managed payment details periodically or at specific times or by separate events ( 300 ...), you can benefit from membership merchants. This may be the same as that performed in a general conventional membership franchise.

In addition, after processing the payment, the electronic money service center 500 membership service corresponding to the membership points earned or deducted for the corresponding membership information corresponding to the user terminal 20 according to the applicable discount and membership point application policy It is preferable to request to the server 300 (S390).

For example, a discount and membership point application policy corresponding to the membership service A is applied to the payment amount (e.g., 10,000 won) according to the electronic money payment request, so that 10% of the payment amount (e.g., 10,000 won) is applied to the user terminal ( If the membership point corresponding to the membership service A of 20) is used and the payment is made according to the applied payment amount (for example, 9,000 won), the electronic money service center 500 may use the membership service corresponding to the user terminal 20. A membership point (eg, 1,000 points) of A may be requested to the membership service server 300 corresponding to the deduction. Of course, the electronic money service center 500 may request the user terminal 20 through the payment terminal 400 to subtract the membership point (eg, 1,000 points) from the membership information of the membership service A.

On the other hand, for example, by applying a discount and membership point application policy corresponding to the membership service A to the payment amount (eg, 10,000 won) according to the electronic money payment request, 10% of the payment amount (eg, 10,000 won) If it is to be accumulated as a membership point corresponding to the membership service A of the terminal 20 and the payment is processed according to the applied payment amount (for example, 10,000 won), the electronic money service center 500 corresponds to the user terminal 20. Membership service A can be requested to the corresponding membership service server 300 to earn a membership point (for example, 1,000 points). Of course, the electronic money service center 500 may also request the user terminal 20 through the payment terminal 400 to earn membership points (eg, 1,000 points) in the membership information of the membership service A.

As described above, the electronic money payment method using the membership according to the second embodiment of the present invention, payment according to the electronic money payment request from the user terminal 20 for storing the electronic money and subscription information. When the electronic money payment request is requested to the terminal 400, the electronic money service center 500 automatically applies a discount / point benefit according to the membership based on the valid membership information of the user terminal 20 to process the payment. It is possible to provide an electronic money payment service that simply and efficiently applies a valid membership benefit according to the electronic money payment request of the terminal 20.

Accordingly, the electronic money payment method using the membership according to the second embodiment of the present invention, by providing an electronic money payment service that simply and efficiently apply the effective membership benefits when requesting electronic money payment of the user terminal 20, For the money operator, it is possible to induce electronic money payment, and for the user, it is necessary to have a membership card at all times or to be aware of the service benefits for each subscription. Benefits may be provided.

Although the present invention has been described in detail with reference to preferred embodiments, the present invention is not limited to the above-described embodiments, and the technical field to which the present invention belongs without departing from the gist of the present invention as claimed in the following claims. Anyone skilled in the art will have the technical idea of the present invention to the extent that various modifications or changes are possible.

When a user terminal storing electronic money and subscription information is requested for electronic money payment, the electronic money service center, which has received approval for payment of electronic money from the payment terminal or payment terminal, applies to the membership based on the valid membership information of the user terminal. When applying the electronic money payment system and electronic money payment method using the membership of the present invention that can provide electronic money payment service to automatically apply or select in advance by applying the discount / point benefits according to, use electronic money Can make significant advances in terms of convenience and use of membership services, increase in user convenience, user discounts and user satisfaction, and the possibility of commercialization or sales of applicable payment terminals and electronic money service centers is not only sufficient but also realistically implemented. As much as possible industrial availability It is an invention.

1 is a control block diagram of an electronic money payment system using membership according to a first preferred embodiment of the present invention.

2 is a control block diagram of a payment terminal according to a first embodiment of the present invention.

3 is a control block diagram of an electronic money payment system using membership according to a second preferred embodiment of the present invention.

4 is a control block diagram of an electronic money service center according to a second embodiment of the present invention.

5 is a flowchart illustrating a control flow of the electronic money settlement method using the membership according to the first embodiment of the present invention.

6 and 7 are flowcharts illustrating a control flow of an electronic money payment method using membership of a payment terminal according to a first embodiment of the present invention.

8 is a flowchart illustrating a control flow of an electronic money payment method using membership according to a second preferred embodiment of the present invention.

9 is a flowchart illustrating a control flow of an electronic money settlement method using membership of an electronic money service center according to a second embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

15: Membership Information 17: Electronic Money

20: user terminal 100: payment terminal

200: Electronic Money Service Center 300: Membership Service Server

Claims (25)

A user terminal for storing membership-related information and electronic money including at least one subscription information, and requesting electronic money payment using the stored electronic money; And When the electronic money payment is requested from the user terminal, based on the membership related information from the user terminal based on the valid membership information corresponding to the electronic money payment according to the applied payment amount applying a predetermined discount and membership point application policy Electronic money payment system using a membership characterized in that it comprises a payment terminal for processing the electronic money payment. The method of claim 1, An electronic money service center for processing payment according to whether or not the electronic money can be settled by the corresponding user terminal according to an external request for payment approval of electronic money; And The payment terminal, When the electronic money payment is requested from the user terminal, based on the membership related information from the user terminal based on the valid membership information corresponding to the electronic money payment according to the applied payment amount applying a predetermined discount and membership point application policy Electronic money payment system using a membership, characterized in that for requesting approval of electronic money payment to the electronic money service center. The method of claim 2, The electronic money service center, When the electronic money payment approval is requested from the payment terminal, it is determined whether the electronic money payment of the corresponding user terminal is possible with respect to the applied payment amount according to the electronic money payment approval, and when the electronic money payment is possible, And processing the corresponding payment and providing the electronic money deduction signal to the payment terminal to the user terminal corresponding to the applied payment amount. 4. The method according to any one of claims 1 to 3, The membership related information, Membership information for at least one subscription service subscribed to the user terminal, wherein each membership information includes at least one of the corresponding membership service type information, the corresponding membership service access information, the corresponding membership name information, membership point information, and subscriber information. Electronic money payment system using a membership, characterized in that it comprises any one. A discount and a membership point application policy storage unit for storing a discount and a membership point application policy for applying at least one of payment amount discount and membership point accumulation and payment amount discount using membership points for each membership service; And When the electronic money payment is requested from the user terminal, if there is valid membership information corresponding to the electronic money payment based on the membership related information from the user terminal, the valid membership information of the user terminal corresponding to the electronic money payment. Payment terminal characterized in that it comprises a payment terminal control unit for requesting the approval of electronic money payment according to the applied payment amount applying the discount and membership point application policy to the external electronic money service center. The method of claim 5, A membership membership information storage unit for storing affiliate membership information on at least one subscription service that has been previously registered as a membership affiliate store; The payment terminal control unit, When the electronic money payment is requested from the user terminal, the electronic device determines whether membership information corresponding to the affiliated membership information exists based on at least one piece of membership information included in the membership related information from the user terminal. A payment terminal, characterized in that it is determined whether there is valid membership information corresponding to the currency payment. The method according to claim 5 or 6, The payment terminal control unit, If at least two valid membership information corresponding to the electronic money settlement exists, the payment details for each membership information applying the discount and membership point application policy according to the requested electronic money settlement corresponding to each of the valid membership information are displayed. A payment terminal, which is displayed in advance and requests the electronic money payment approval to the electronic money service center for approval of the electronic money according to the applied payment amount corresponding to the selected payment information for each membership information selected from among the applicable payment details for each displayed membership information. The method of claim 7, wherein The payment terminal control unit, When the electronic money reduction signal corresponding to the applied payment amount is received from the electronic money service center as the electronic money payment request is requested, the payment terminal characterized in that the electronic money reduction signal is provided to the corresponding user terminal. . The method of claim 7, wherein The payment terminal control unit, When the payment approval is returned from the electronic money service center in response to the electronic money payment approval request, membership of the membership information according to the discount and membership point application policy applied when the electronic money payment approval request is corresponding to the user terminal. Payment terminal, characterized in that request to the membership service server corresponding to the points earned or deducted. A user terminal for storing membership-related information and electronic money including at least one subscription information, and requesting electronic money payment using the stored electronic money; A payment terminal for requesting approval of electronic money payment according to the request of electronic money payment from the user terminal and providing the membership related information from the user terminal; And When the electronic money payment approval is requested from the payment terminal, if valid membership information corresponding to the payment terminal exists in the membership related information based on the membership related information of the user terminal provided according to the electronic money payment approval request. And an electronic money service center for processing a payment for an applied payment amount applying a predetermined discount and membership point application policy based on the valid membership information. A discount and a membership point application policy storage unit for storing a discount and a membership point application policy for applying at least one of payment amount discount and membership point accumulation and payment amount discount using membership points for each membership service; An affiliate membership information storage unit for each payment terminal that stores affiliate membership information for at least one membership service that is previously subscribed as a membership affiliate corresponding to each payment terminal; And When the electronic money payment approval for a predetermined user terminal is requested from a payment terminal, the payment is based on the membership related information of the user terminal and the affiliated membership information corresponding to the payment terminal provided according to the electronic money payment approval request. If there is valid membership information corresponding to the terminal in the membership related information, including a service provider for processing the payment according to the applied payment amount applying the discount and membership point application policy based on the valid membership information of the user terminal; Electronic money service center characterized by. The method of claim 11, wherein The service provider, Based on the valid membership information of the user terminal, the payment for the applied payment amount is processed according to whether the electronic money can be settled by the user terminal for the applied payment amount to which the discount and membership point application policy is applied. Electronic money service center, characterized in that for providing the electronic money reduction signal to the user terminal corresponding to the payment terminal. The method of claim 11, wherein The service provider, After processing the payment for the applied payment amount to which the discount and membership point application policy is applied based on the valid membership information of the user terminal, to the membership information corresponding to the user terminal according to the application of the discount and membership point application policy Electronic money service center, characterized in that request to the membership service server corresponding to the earning or deduction of membership points. The method of claim 11, wherein The service provider, After processing the payment for the applied payment amount to which the discount and membership point application policy is applied based on the valid membership information of the user terminal, the payment details processed with the applied payment amount to the user terminal to the payment terminal. Electronic money service center, characterized in that provided. Requesting payment of electronic money using the stored electronic money by a user terminal storing membership information and electronic money including at least one subscription information; When the electronic money payment is requested from the user terminal, the payment terminal applies a predetermined discount and membership point application policy based on the valid membership information corresponding to the electronic money payment based on the membership related information from the user terminal. Requesting approval of payment of electronic money according to the amount; And In response to the electronic money payment authorization request, the electronic money service center comprises the step of processing the payment according to whether the electronic money payment of the user terminal. The method of claim 15, The step of processing the payment, When the electronic money settlement approval is requested from the payment terminal, determining whether the electronic money settlement of the corresponding user terminal with respect to the applied payment amount according to the electronic money settlement approval is possible; If the electronic money settlement is possible, processing the payment corresponding to the applied payment amount by the electronic money service center; And providing the electronic money reduction signal to the payment terminal corresponding to the applied payment amount to the payment terminal. Storing a discount and a membership point application policy for applying at least one of payment amount discount, membership point accumulation, and payment amount discount using membership points for each membership service; When the electronic money payment is requested from a user terminal, determining whether there is valid membership information corresponding to the electronic money payment based on the membership related information from the user terminal; And If there is valid membership information, the electronic money service center approves the payment of electronic money according to the applied payment amount applying the discount and membership point application policy based on the valid membership information of the user terminal in response to the electronic money payment. Electronic money payment method using the membership of the payment terminal comprising the step of requesting to. The method of claim 17, If there is at least two valid membership information corresponding to the electronic money payment, payment details for each membership information applying the discount and membership point application policy according to the requested electronic money payment corresponding to each of the valid membership information Displaying in advance; The request of the payment terminal further comprises the step of requesting the electronic money service center to approve payment of the electronic money according to the applied payment amount corresponding to the selected payment information for each membership information. Electronic money payment method using membership. The method of claim 18, If the electronic money deduction signal corresponding to the applied payment amount is received from the electronic money service center in response to requesting the electronic money payment approval, further comprising providing the electronic money deduction signal to the corresponding user terminal. Electronic money payment method using the membership of the payment terminal characterized in that. The method of claim 18, When the payment approval is returned from the electronic money service center in response to the electronic money payment approval request, membership of the membership information according to the discount and membership point application policy applied when the electronic money payment approval request is corresponding to the user terminal. The electronic money payment method using the membership of the payment terminal further comprising the step of requesting the membership service server corresponding to the points earned or deducted. Requesting payment of electronic money using the stored electronic money by a user terminal storing membership information and electronic money including at least one subscription information; Requesting payment approval of the electronic money according to the payment terminal when the electronic money payment is requested from the user terminal; When the electronic money payment approval is requested from the payment terminal, the effective membership information corresponding to the payment terminal is based on the membership related information of the user terminal provided by the electronic money service center in response to the electronic money payment approval request. Determining whether the information exists in the related information; And If valid membership information corresponding to the payment terminal is present in the membership related information, the electronic money service center processes the payment for the applied payment amount applying a predetermined discount and membership point application policy based on the valid membership information; Electronic money settlement method using the membership characterized in that it comprises. Storing a discount and a membership point application policy for applying at least one of payment amount discount, membership point accumulation, and payment amount discount using membership points for each membership service; Storing affiliated membership information for at least one subscription service previously registered as a membership affiliate corresponding to each payment terminal; When the electronic money payment approval for a predetermined user terminal is requested from a payment terminal, the payment terminal is based on the membership related information of the user terminal and the affiliate membership information corresponding to the payment terminal provided according to the electronic money payment approval request. Determining whether valid membership information corresponding to the information exists in the membership related information; And If valid membership information corresponding to the payment terminal is present in the membership related information, processing the payment according to the applied payment amount applying the discount and membership point application policy based on the valid membership information of the user terminal; Electronic money payment method using the membership of the electronic money service center, characterized in that. The method of claim 22, The step of processing the payment, Determining whether the electronic money can be settled by the user terminal with respect to an applied payment amount to which the discount and membership point application policy is applied based on the valid membership information of the user terminal; If the electronic money payment is possible, processing the payment for the applied payment amount; And providing the electronic money reduction signal to the payment terminal corresponding to the applied payment amount to the payment terminal. The method of claim 22, After processing the payment for the applied payment amount to which the discount and membership point application policy is applied based on the valid membership information of the user terminal, to the membership information corresponding to the user terminal according to the application of the discount and membership point application policy The electronic money payment method using the membership of the electronic money service center, characterized in that it further comprises the step of requesting the membership service server corresponding to the membership points earned or deducted. The method of claim 22, After processing the payment for the applied payment amount to which the discount and membership point application policy is applied based on the valid membership information of the user terminal, the payment details processed with the applied payment amount to the user terminal to the payment terminal. Electronic money payment method using the membership of the electronic money service center, characterized in that it further comprises the step of providing.

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