KR20110017612A - Transaction payment method providing small change management service - Google Patents

Transaction payment method providing small change management service Download PDF

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Publication number
KR20110017612A
KR20110017612A KR1020090075163A KR20090075163A KR20110017612A KR 20110017612 A KR20110017612 A KR 20110017612A KR 1020090075163 A KR1020090075163 A KR 1020090075163A KR 20090075163 A KR20090075163 A KR 20090075163A KR 20110017612 A KR20110017612 A KR 20110017612A
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change
processing service
terminal
seller
change processing
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KR1020090075163A
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Korean (ko)
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김진화
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(주)유웨이브
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Priority to KR1020090075163A priority Critical patent/KR20110017612A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention, when paying the change due to the customer's cash payment during offline commerce, provides a change processing service that can be paid online through the customer's portable terminal without paying the change in cash, such as coins or bills A payment method for a transaction, comprising: performing a change processing service subscription procedure of a seller and a buyer in connection with a change processing service server at a seller terminal and a buyer terminal; Creating a sales history in the seller terminal and transmitting the sales history to the purchaser terminal through the change processing service server; When the purchaser terminal receives the sales details transmitted from the seller terminal, selecting the change medium and instructing the change service server to receive the change change service; When the change processing service server receives the change receipt from the buyer terminal, creating a change transaction ledger and transmitting the change transaction ledger to the seller terminal; When the seller terminal receives the change transaction ledger from the change processing service server, performing a terminal owner authentication procedure and making a change payment request to the change processing service server when the authentication is approved; When the change processing service server receives a change payment request from the seller terminal, transmitting the change transaction ledger to a change payment medium management server; The change payment medium management server subtracts an amount from the balance of the change payment medium by using the change transaction ledger received from the change processing service server, and transfers the change corresponding to the deducted amount to the change receiving medium management server. Process of doing; The change receiving medium management server receives a change remitted from the change payment medium management server and performs a process of depositing / establishing money on the change receiving medium, so that the change generated due to cash payment can be more conveniently processed. There is.

Description

Transaction Payment Method Providing Small Change Management Service}

The present invention relates to a transaction payment method for providing a change processing service, and in particular, when paying the change due to the customer's cash payment during offline commerce, without changing the payment in cash, such as coins or bills, the customer's portable terminal The present invention relates to a payment method for a transaction that provides a change processing service that can be paid online through.

In today's offline commerce, when a customer visits a store and purchases goods or services, the buyer pays for the transaction using a credit card or debit card.

Generally, when a card payment method is used, merchants have to pay a certain amount of fee to the card company for the transaction amount.Therefore, the merchants tend to be reluctant or refused to make payments. Many small shops, such as those that do not yet have any means for card payment, are still the most used payment method in most offline commerce.

However, when cash payments are made, most of the change is generated as coins and changes, which is why the seller must always exchange a certain amount of money with coins or other changes in order to prepare for the change in cash. There is a problem incurring inconvenience, due to the management of the change that occurs due to cash payment from the buyer's point of view.

The present invention has been made to solve the above problems, when the seller pays the change due to the buyer's cash payment during offline commerce, the buyer's portable terminal without paying the change in cash, such as coins or bills To provide a transaction payment method for providing a change processing service that can be paid online through the purpose, the purpose.

In the transaction payment method for providing a change processing service according to an embodiment of the present invention for achieving the above object, the seller and purchaser terminal joins the change processing service of the seller and the buyer in connection with the change processing service server. Performing a procedure; Creating a sales history in the seller terminal and transmitting the sales history to the purchaser terminal through the change processing service server; When the purchaser terminal receives the sales details transmitted from the seller terminal, selecting the change medium and instructing the change service server to receive the change change service; When the change processing service server receives the change receipt from the buyer terminal, creating a change transaction ledger and transmitting the change transaction ledger to the seller terminal; When the seller terminal receives the change transaction ledger from the change processing service server, performing a terminal owner authentication procedure and making a change payment request to the change processing service server when the authentication is approved; When the change processing service server receives a change payment request from the seller terminal, transmitting the change transaction ledger to a change payment medium management server; The change payment medium management server subtracts an amount from the balance of the change payment medium by using the change transaction ledger received from the change processing service server, and transfers the change corresponding to the deducted amount to the change receiving medium management server. Process of doing; It is preferable that the change receiving medium management server comprises the step of receiving the transfer remittance from the change payment medium management server and the deposit / accumulation process to the change receiving medium.

According to the transaction payment method for providing the change processing service according to the present invention, when the seller pays the change due to the cash payment of the buyer during offline commerce, the buyer does not pay the change in cash, such as coins or bills, the buyer's portable By paying online through the terminal, there is an effect that it is possible to more conveniently handle the change caused by the cash payment.

Hereinafter, with reference to the accompanying drawings will be described in detail with respect to the transaction payment system and method for providing a change processing service according to a preferred embodiment of the present invention.

1 is a view schematically showing the configuration of a transaction payment system for providing a change processing service according to an embodiment of the present invention.

Referring to FIG. 1, a transaction payment system for providing a change processing service according to the present invention includes a seller terminal 10, a purchaser terminal 20, a change processing service server 30, and a change payment medium management server ( 40, a change receipt medium management server 50, a cash receipt issuing server 60, and a wired / wireless communication network 70.

The seller terminal 10 receives the seller information from the seller, transmits the registration information to the change processing service server 30, registers the change processing service, and performs the change processing service registration process, and the change payment VM (Virtual Machine) from the change processing service server 30. ) And the seller's cash receipt issuing VM are downloaded and stored in the internal memory area. The seller terminal 10 supports SMS / MMS transmission and reception functions, and includes a wireless communication terminal (eg, a mobile phone and a PDA) equipped with an IC card or a USIM card equipped with a financial applet, or an SMS / MMS transmission / reception function. It may be made of a wired communication terminal (for example, a PC, etc.) equipped with an official certificate issued by an accredited certificate issuing agency. Here, the seller's information may include the seller's business card, change payment medium (e.g. bank account and virtual account, etc.), seller's contact phone number (e.g., seller's terminal phone number, seller's terminal IP address, seller's email address, and seller's residential address). And the like).

The seller terminal 10 drives the change payment VM stored in the internal memory area according to the seller's change processing service execution request input, generates a login information input message, displays the screen, and confirms the login information input message. Performs a login process with the change processing service server 30 using the login information input from the user, and upon successful login, generates a sales history creation request message and outputs a screen, requesting the seller to create a sales history, and requesting the sales history creation. According to the input from the seller who confirmed the message, the sales details are prepared and transmitted to the change processing service server 30. For example, upon successful login, the seller terminal 10 displays a sales history creation request message including an input window such as a merchant name display window, a buyer contact number, an item price, a received amount, and a change amount, as shown in FIG. 2. It is preferable to output.

In addition, when the seller terminal 10 receives the change transaction ledger from the change processing service server 30, the seller terminal 10 generates a change payment determination message including the received change transaction ledger and outputs a screen, thereby requesting the seller to determine whether to pay the change. do. For example, as illustrated in FIG. 3, the seller terminal 10 outputs a change payment determination message including a change transaction ledger including information on merchant name, buyer contact information, change amount, change receiving medium, and the like. It is preferable.

Thereafter, the seller terminal 10 performs the terminal owner authentication procedure according to the change payment determination input from the seller confirming the change payment determination message, and requests the change payment service to the change processing service server 30 when the authentication is approved. When the terminal owner authentication procedure is performed in the case of a wireless communication terminal, the seller terminal 10 outputs a terminal owner authentication information input screen and then inputs terminal owner authentication information input from a seller who checks the output terminal owner authentication information input screen. And, according to whether the matching PIN information of the provided IC card or USIM card, the terminal owner authentication is approved, and in the case of a wired communication terminal, the terminal owner authentication information input from the seller and the password matching the authentication certificate provided Depending on whether it is desirable to approve the authentication of the owner of the terminal.

In addition, when the seller terminal 10 receives the change payment result details from the change processing service server 30, the seller terminal 10 generates a change payment result confirmation request message including the received change payment result details and outputs the screen to change the payment result to the seller. Make a confirmation request. Here, it is preferable that the change payment result details include information on the change processing number, the merchant name, the purchaser terminal 20 telephone number, the change amount, the change payment medium, and the change receiving medium.

In addition, the seller terminal 10 transmits the change payment result details to the change processing service server 30 according to the change payment result confirmation input from the seller who confirmed the change payment result confirmation request message, and the transfer of the change payment result details is performed. Upon completion, the cash receipt issuing VM stored in the internal memory area is driven to generate a cash receipt issuance determination message, and the screen is output and the cash receipt issuance determination input from the seller confirming the output cash receipt determination decision message. As a result, the transaction details and the cash receipt issuing service affiliate store authentication number received from the change processing service server 30 are transmitted to the change processing service server 30.

In addition, when the seller terminal 10 is notified that the cash receipt is completed from the change processing service server 30, it is preferable to download the cash receipt stored in the change processing service server 30 and output the screen.

The purchaser terminal 20 includes an IC card or USIM card equipped with a financial applet, and is a wireless communication terminal supporting SMS / MMS transmission / reception function. By registering the service, the change processing service subscription procedure is performed, and the change receiving service server 30 downloads the change receiving VM and the purchaser's cash receipt issuing VM, and stores them in the internal memory area. Here, the buyer information includes information about change receipt medium (e.g. bank account, virtual account and prepaid transportation card service, etc.), buyer contact (e.g., buyer terminal phone number, buyer email address and buyer's residence address, etc.). Information may be included.

When the purchaser terminal 20 receives the SMS / MMS transmitted sales history from the change processing service server 30, the buyer terminal 20 drives the change receiving VM stored in the internal memory area, generates a login information input message, and outputs the screen. After performing the login procedure with the change processing service server 30 using the login information input from the purchaser who confirms the login information input message, a message for determining whether to receive the change including the sales details received upon successful login is generated and displayed on the screen. .

Thereafter, the buyer terminal 20 outputs the change medium selection screen in association with the provided IC card or USIM card and requests the buyer to select the change medium according to the change receipt input of the buyer. For example, as illustrated in FIG. 4, it is preferable that the purchaser terminal 20 output a change medium selection screen using a finance-related applet mounted on an IC card or a USIM card.

Thereafter, the purchaser terminal 20 performs the terminal owner authentication procedure according to the change receipt medium selection input from the purchaser who checks the change receipt medium selection screen, and instructs the change receipt service to the change processing service server 30 when the authentication is approved. In addition, the buyer transfers information on the change receiving medium selected and input to the change processing service server 30 together. When the purchaser terminal 20 performs a terminal owner authentication procedure, the purchaser terminal 20 outputs a terminal owner authentication information input screen, and then inputs terminal owner authentication information input from a purchaser who checks the output terminal owner authentication information input screen. It is preferable to authorize the terminal owner's authentication according to whether the PIN information of the card or the USIM card is matched.

In addition, the purchaser terminal 20 receives the change receiving result details from the change processing service server 30, generates a change receiving result confirmation request message including the received change receiving result details, and outputs the change to the seller, resulting in the change payment to the seller. Make a confirmation request. For example, it is preferable that the change receipt result details include information on a change payment medium, a change receiving medium, a change amount, an input / store balance, and the like.

In addition, the purchaser terminal 20 transmits the change receipt result details to the change processing service server 30 according to the change receipt confirmation result input from the buyer who confirmed the change receipt result confirmation request message.

When the purchaser terminal 20 is notified that the issuance of cash receipt is completed from the change processing service server 30 after the transfer of the change result is completed, the buyer terminal 20 drives the cash receipt issuance VM for the buyer stored in the internal memory area. After generating a receipt receipt determination message and outputting the screen, and in response to the receipt receipt determination of the cash receipt from the seller confirming the output receipt receipt determination message, after making a request to transfer the cash receipt to the change processing service server 30, Receives the cash receipt sent from the processing service server 30 and outputs the screen. For example, as illustrated in FIG. 5, the purchaser terminal 20 preferably outputs a cash receipt received from the change processing service server 30.

The change processing service server 30 supports SMS / MMS transmission and reception functions, and upon receiving seller information from the seller terminal 10, registers the received seller information in the affiliated store list to perform the change processing service subscription procedure and the seller. Give the login information to, and when the service subscription is completed, provides the VM download service for the change payment to the seller terminal 10, while providing a VM download service for issuing a cash receipt issued for the seller and at the same time a cash receipt to the seller terminal 10 Issuing a merchant authentication number issuing service, after transmitting the seller information to the cash receipt issuing server 60, if the seller is notified from the cash receipt issuing server 60 that the seller has completed the subscription to the cash receipt issuance service, the seller terminal 10 The cash receipt issuance issue VM download service for the seller and the cash receipt to the seller terminal 10 at the same time. Increasing it is desirable to give the certificate number issued by the merchant services.

In addition, when the change processing service server 30 receives the buyer information from the buyer terminal 20, by registering the received buyer information in the subscriber list, performs the change processing service subscription procedure, and gives the buyer login information, When the service subscription is completed, while providing the VM download service for receiving the change to the purchaser terminal 20, while providing a VM download service for the buyer cash receipt issuance to the purchaser terminal 20, the purchaser information server (60) After transmitting to the cash receipt issuing server 60, when the purchaser is notified that the purchaser has completed the subscription to the cash receipt issuance service, it is preferable to provide a cash receipt issuing VM download service for the buyer terminal 20.

In addition, when the change processing service server 30 receives the sales details from the seller terminal 10, and transmits the received sales details to the buyer terminal 20 by SMS / MMS. In this case, it is preferable that the change processing service server 30 transmits the SMS / MMS to the buyer terminal 20 using the buyer contact information included in the sales history received from the seller terminal 10.

In addition, when the change processing service server 30 receives a change receipt instruction from the purchaser terminal 20, the change processing service server 30 creates a change transaction ledger and temporarily stores it in the internal memory area, and transmits the change transaction ledger to the seller terminal 10. Here, the change transaction ledger preferably includes information about the purchaser terminal 20 phone number, the change amount and the change receiving medium.

When the change processing service server 30 receives the change payment request from the seller terminal 10, the change processing service server 30 transmits the change transaction ledger temporarily stored in the internal memory area to the change payment medium management server 40, and is registered in the internal memory area. It is preferable to check the information about the change payment medium included in the seller information and to transmit to the change payment medium management server 40.

Subsequently, when the change processing service server 30 is notified that the change remittance is completed from the change payment medium management server 40, a change payment result is prepared, transmitted to the seller terminal 10, and the change receiving medium management server 50. When notified that the change / deposit of the change is completed, writes the change receipt result details and transmits to the buyer terminal (20).

Further, the change processing service server 30 receives the change payment result details from the seller terminal 10, receives the change receipt result details from the purchaser terminal 20, stores the database in an internal memory area, and stores the change processing history. Manage.

In addition, the change processing service server 30 approves the service merchant authentication of the seller on the basis of the cash receipt issuing service merchant authentication number information received from the seller terminal 10 in response to the cash receipt issuance request from the seller terminal 10 and After transmitting the sales details received from the seller terminal 10 to the cash receipt issuing server 60 and receiving the cash receipt corresponding to the sales details from the cash receipt issuing server 60 received therein, and storing them in the internal memory area. Informs the seller terminal 10 and the purchaser terminal 20 that the cash receipt is completed.

In addition, the change processing service server 30 transmits the cash receipt stored in the internal memory area to the purchaser terminal 20 in response to a cash receipt transmission request from the purchaser terminal 20 that is notified that the cash receipt is completed.

When the change payment medium management server 40 receives the change transaction ledger from the change processing service server 30, the amount of the change amount as much as the change amount using the information on the change amount and the change receiving medium included in the received change transaction ledger Subtracts the amount from the balance of the change payment medium by the change amount, transfers the change corresponding to the deducted amount to the change receiving medium management server 50, and notifies the change processing service server 30 that the change transfer has been completed. .

The change receiving medium management server 50 deposits / stores the change remitted from the change paying medium management server 40 as the change receiving medium, and notifies the change processing service server 30 that the change deposit / loading is completed.

On the other hand, when the cash receipt issuing server 60 receives the seller information or buyer information from the change processing service server 30, by registering the received seller information or buyer information in the subscriber list, the cash receipt issuing service subscribers Register as, and notify the change processing service server 30 that the seller or buyer has completed the subscription to the cash receipt issuance service.

In addition, when the cash receipt issuing server 60 receives the sales history from the change processing service server 30, the cash receipt issuing server 60 issues a cash receipt corresponding to the transaction amount included in the received sales history and transmits the cash receipt to the change processing service server 30. do.

The wired / wireless communication network 70 may include a seller terminal 10, a purchaser terminal 20, a change processing service server 30, a change payment medium management server 40, a change receiving medium management server 50, and a cash receipt issuing server 60. Support communication between

6 is a view sequentially showing a transaction payment method for providing a change processing service according to an embodiment of the present invention, with reference to Figure 6 describes a transaction payment method for providing a change processing service of the present invention. As follows.

First, the seller terminal 10 and the purchaser terminal 20 perform the change processing service subscription procedure of the seller and the buyer in connection with the change processing service server 30 (S100).

In the above-described step S100, the change processing service subscription procedure of the seller receives the seller information from the seller in the seller terminal 10 and transmits the change information to the change processing service server 30, the change processing received the seller information from the seller terminal 10. By registering the seller information received from the service server 30 in the affiliated store list, the change processing service subscription procedure is performed, the login information is given to the seller, and when the service subscription is completed, the change payment VM to the seller terminal 10 While providing a download service, while providing a cash receipt issuing VM download service for the seller and at the same time give the cash receipt issuing service merchant authentication number to the seller terminal 10, after transmitting the seller information to the cash receipt issuing server (60) From the cash receipt issuing server (60), the seller has completed signing up for the cash receipt issuing service When notified, the seller terminal 10 provides a cash receipt issuance VM download service for the seller and at the same time give the cash receipt issuing service merchant authentication number to the seller terminal (10). Then, the seller terminal 10 downloads the change payment VM and the seller's cash receipt issuing VM from the change processing service server 30 and stores it in the internal memory area, but the information on the received cash receipt issuing service merchant authentication number It is preferable to perform the procedure of storing in the internal memory area.

In the above-described step S100, the change processing service subscription procedure of the buyer receives the buyer information from the buyer terminal 20 in the buyer terminal 20 and transfers the change processing service server 30, the change received the buyer information from the buyer terminal 20 By registering the purchaser information received from the processing service server 30 in the subscriber list, the change processing service subscription procedure is performed, the login information is given to the buyer, and when the service subscription is completed, the change is received to the purchaser terminal 20. Issuing a VM and a purchaser cash receipt issuance VM download service, but after receiving the buyer information to the cash receipt issuance server 60, if the buyer is notified from the cash receipt issuing server 60 that the purchaser has completed the subscription issuance service, The purchaser terminal 20 provides a VM download service for issuing a cash receipt for a seller. Then, it is preferable that the purchaser terminal 20 performs a procedure of downloading the change payment VM and the cash receipt issuing VM from the change processing service server 30 and storing it in the internal memory area.

After the above step S100, the seller terminal 10 drives the change payment VM stored in the internal memory area according to the change processing service execution request input of the seller who received the transaction price from the buyer, and sends a login information input message. Generate and display the screen, perform a login procedure with the change processing service server 30 using the login information input from the seller confirming the login information input message (S110), and generates a sales history request message upon successful login By outputting, a sales history creation request is made to a seller, a sales history is created according to an input from a seller who confirms a sales history creation request message, and is transmitted to the change processing service server 30 (S120). In the above step S120, the seller terminal 10 may generate and display a sales history creation request message including an input window such as a merchant display window, a buyer contact number, a product price, a received amount, and a change amount upon successful login. .

The change processing service server 30 receiving the sales details from the seller terminal 10 through the step S120 transmits the received sales details to the purchaser terminal 20 by SMS / MMS (S130).

The purchaser terminal 20 receiving the SMS / MMS transmission details from the change processing service server 30 through the step S130 drives the change receiving VM stored in the internal memory area, and inputs a login information input message. Generate and display the screen, perform a login process with the change processing service server 30 using the login information input from the buyer confirming the login information input message (S140), whether the receipt of the change including the sales history received upon successful login After generating a determination message and outputting the screen, according to the input of the change of receipt of the purchaser, a change medium selection screen is output by interworking with the provided IC card or the USIM card to request the purchaser to select the change of the medium (S140).

In step S140, the purchaser terminal 20 preferably outputs a change medium selection screen using a finance-related applet mounted on the provided IC card or USIM card.

After the above step S140, the purchaser terminal 20 performs the terminal owner authentication procedure according to the change receipt medium selection input from the purchaser (S150), and instructs the change receipt service to the change processing service server 30 at the time of authentication approval. (S160).

In step S150, the purchaser terminal 20 outputs the terminal owner authentication information input screen when performing the terminal owner authentication procedure, and then inputs the terminal owner authentication information input from the buyer who checked the output terminal owner authentication information input screen. It is preferable to authorize the authentication of the terminal owner according to whether the PIN information of the provided IC card or USIM card is matched.

In step S160, when the purchaser terminal 20 instructs the change in the change processing service server 30, the purchaser terminal 20 preferably transmits the change receiving medium selected by the buyer to the change processing service server 30. .

The change processing service server 30 having received the change receiving instruction from the purchaser terminal 20 through the above step S160 creates a change transaction ledger and temporarily stores it in the internal memory area and transmits it to the seller terminal 10 (S170). ).

In step S170, the change transaction ledger preferably includes information about the purchaser terminal 20 phone number, the change amount, and the change receiving medium.

The seller terminal 10 receiving the change transaction ledger from the change processing service server 30 through the above step S170 generates and displays a change payment determination message including the received change transaction ledger and displays the change to the seller. In accordance with the determination request (S180), the change payment determination input from the seller who confirmed the change payment decision message, the terminal owner authentication procedure is performed (S190), and the change payment request to the change processing service server 30 upon authentication approval (S200).

In step S190, when the seller terminal 10 is a wireless communication terminal having an IC card or a USIM card, the terminal owner authentication information input screen is output when the terminal owner authentication procedure is performed, and then the output terminal owner authentication information is input. Depending on whether the terminal owner authentication information input from the seller who confirms the screen matches the PIN information of the provided IC card or USIM card, the terminal owner authentication is approved. It is preferable to approve the authentication of the owner of the terminal according to whether the input terminal owner authentication information and the password of the provided official certificate match.

The change processing service server 30 receiving the change payment request from the seller terminal 10 through the step S200 may change the change transaction ledger temporarily stored in the internal memory area to the change payment medium management server 40 through the step S170. Transmit (S210).

The change payment medium management server 40 receiving the change transaction ledger from the change processing service server 30 through the above step S210 uses information on the change amount and the change receiving medium included in the received change transaction ledger. The balance is subtracted from the balance of the change payment medium by the amount of change, and the change corresponding to the deducted amount is transferred to the change receiving medium management server 50 (S220), and the change transfer to the change processing service server 30 is completed. Notify (S230).

After receiving the money remitted from the change payment medium management server 40 through the above step S220, the change receiving medium management server 50 deposits / establishes the received change as the change receiving medium (S240) and the change processing. The service server 30 notifies that the remaining money deposit / establishment is completed (S250).

The change processing service server 30 notified that the change transfer has been completed from the change payment medium management server 40 through step S230 creates a change payment result and transmits it to the seller terminal 10 (S260).

The change processing service server 30 that is notified that the change of deposit / establishment of the change is completed from the change receiving medium management server 50 through the step S250, creates a change receiving result, and transmits the result to the purchaser terminal 20 (S270). .

The seller terminal 10 having received the change payment result details from the change processing service server 30 through the step S260 generates a change payment result confirmation request message including the received change payment result details and outputs the screen to the seller. After the change payment result confirmation request (S280), the change payment result confirmation input from the seller confirming the change payment result confirmation request message is transmitted, the change payment result details are transferred to the change processing service server 30 (S290), and the change When the payment result is completed, the seller generates a cash receipt issuance message by outputting the screen by running the cash receipt issuing VM for the seller stored in the internal memory area, and confirms the output of the cash receipt issuing decision message from the seller. According to the cash receipt issuance determination input of the sales history and the change processing service server 30 By sending a cash receipt issued by the merchant services authorization number granted from a penny processing service server (30), and the cash receipt issuing request to change for processing service server (30) (S300).

The purchaser terminal 20 receiving the change receipt result details from the change processing service server 30 through the step S270 generates a change receipt result confirmation request message including the received change receipt result details and outputs the screen to the buyer. After the change receipt result request is confirmed (S310), according to the change receipt result confirmation input from the buyer confirming the change receipt result confirmation request message, the change receipt result details are transmitted to the change processing service server 30 (S320).

The change processing service server 30 that receives the change payment result details from the seller terminal 10 through the step S290, and the change receipt result details from the purchaser terminal 20 through the step S320, the received change. It is preferable to manage the change processing history by storing the payment result and the change receipt result in a database in the internal memory area.

The change processing service server 30 receiving the cash receipt issuance request from the seller terminal 10 through the above step S300 is based on the cash receipt issuing service affiliate store authentication number information received from the seller terminal 10, the service merchant of the seller. Approving the authentication, and transmits the sales details received from the seller terminal 10 to the cash receipt issuing server 60 (S330).

The cash receipt issuing server 60 that has received the sales details from the change processing service server 30 through the above step S330 issues a cash receipt corresponding to the transaction amount included in the received sales details, and then changes the service processing server 30. In step (S340).

The change processing service server 30 receiving the cash receipt from the cash receipt issuing server 60 through the step S340 stores the received cash receipt in the internal memory area, and then the seller terminal 10 and the purchaser terminal 20. ) To notify that the cash receipt is completed (S350).

The purchaser terminal 20 that is notified that the cash receipt is completed from the change processing service server 30 through the step S350 drives the cash receipt issuing VM for the buyer stored in the internal memory area to determine whether to receive the cash receipt. Generate and output the screen, and according to the cash receipt receipt determination input from the buyer confirming the output receipt receipt determination message, the cash receipt service request to the change processing server 30 (S360).

The change processing service server 30 receiving the cash receipt transmission request from the purchaser terminal 20 through step S360 transmits the cash receipt stored in the internal memory area to the purchaser terminal 20 (S370).

The purchaser terminal 20 receiving the cash receipt from the change processing service server 30 through the step S370 outputs the received cash receipt screen (S380).

Meanwhile, the seller terminal 10 notified that the receipt of cash receipt is completed from the change processing service server 30 through the above-described step S350 also requests the transfer of the cash receipt to the change processing service server 30, thereby changing the change processing service server 30. Receiving a cash receipt from the), it is preferable to display the received cash receipt screen.

The transaction payment method for providing the change processing service according to the present invention may be implemented in various ways without being limited to the above-described embodiments and within the range permitted by the technical idea of the present invention.

According to the transaction payment method for providing the change processing service according to the present invention, when the seller pays the change due to the cash payment of the buyer during offline commerce, the buyer does not pay the change in cash, such as coins or bills, the buyer's portable By paying online through the terminal, it is possible to more conveniently handle the change caused by the cash payment.

1 is a view schematically showing the configuration of a transaction payment system for providing a change processing service according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating a sales history creation request message screen output to a seller terminal in FIG. 1.

FIG. 3 is a diagram illustrating a change payment determination message screen output to a seller terminal in FIG. 1.

FIG. 4 is a diagram illustrating a change receipt medium selection screen output to a buyer terminal in FIG. 1.

FIG. 5 is a diagram illustrating an example of a cash receipt screen output to a buyer terminal in FIG. 1.

6 is a view sequentially showing a transaction payment method for providing a change processing service according to an embodiment of the present invention.

*** Explanation of symbols for the main parts of the drawing ***

10: seller terminal 20: buyer terminal

30: change service server 40: change payment medium management server

50: change management medium management server 60: cash receipt issuing server

70: wired and wireless network

Claims (19)

Performing a procedure of subscribing to the change processing service of the seller and the buyer in connection with the change processing service server in the seller terminal and the buyer terminal; Creating a sales history in the seller terminal and transmitting the sales history to the purchaser terminal through the change processing service server; When the purchaser terminal receives the sales details transmitted from the seller terminal, selecting the change medium and instructing the change service server to receive the change change service; When the change processing service server receives the change receipt from the buyer terminal, creating a change transaction ledger and transmitting the change transaction ledger to the seller terminal; When the seller terminal receives the change transaction ledger from the change processing service server, performing a terminal owner authentication procedure and making a change payment request to the change processing service server when the authentication is approved; When the change processing service server receives a change payment request from the seller terminal, transmitting the change transaction ledger to a change payment medium management server; The change payment medium management server subtracts an amount from the balance of the change payment medium by using the change transaction ledger received from the change processing service server, and transfers the change corresponding to the deducted amount to the change receiving medium management server. Process of doing; And receiving the money remitted from the change payment medium management server at the change receiving medium management server and depositing / establishing a deposit on the change receiving medium. The method of claim 1, The process of joining the change processing service, Transmitting seller information from the seller terminal to the change processing service server; The change processing service server receives seller information from the seller terminal, registers in a list of merchants, gives login information to the seller, and completes a service for downloading a change machine (VM) for the change payment to the seller terminal. On the other hand, providing a cash receipt issuance VM download service for the seller, and the step of granting the cash receipt issuing service affiliated store authentication number to the seller terminal; The seller terminal downloads the change payment VM and the seller's cash receipt issuing VM from the change processing service server and stores them in the internal memory area, and stores information on the granted cash receipt issuing service affiliate store authentication number in the internal memory area. Transaction payment method for providing a change processing service, characterized in that comprises a step. The method of claim 2, Granting the cash receipt issuing service merchant authentication number, Transmitting the seller information to the cash receipt issuing server in the change processing service server; Receiving, at the cash receipt issuing server, seller information from the change processing service server and registering it in a subscriber list, and notifying the change processing service server that the seller has completed subscription to a cash receipt issuing service; When the change processing service server is notified that the seller has completed the subscription to the cash receipt issuing service from the cash receipt issuing server, providing the cash receipt issuing VM download service for the seller to the seller terminal and at the same time providing the cash receipt issuing service to the seller terminal Transaction payment method for providing a change processing service comprising the step of assigning a verification number. The method of claim 3, The seller information, A settlement payment method for providing a change processing service comprising the information on the seller's business registration, change payment medium, seller contact information. The method of claim 1, The process of joining the change processing service, Transmitting, at the buyer terminal, buyer information to the change processing service server; The change processing service server receives the purchaser information from the purchaser terminal, registers it in the subscriber list, gives login information to the purchaser, and when the service subscription is completed, provides the change receiving VM download service to the purchaser terminal, Providing a VM download service for issuing a cash receipt for a buyer; And downloading the change receipt VM and the purchaser cash receipt issuing VM from the change processing service server and storing the change receipt service VM in an internal memory area. The method of claim 5, Providing the cash receipt issuance VM download service for the buyer, Transmitting the purchaser information to the cash receipt issuing server in the change processing service server; Receiving, at the cash receipt issuing server, the purchaser information from the change processing service server and registering it in a subscriber list, and notifying the change processing service server that the purchaser has completed subscription to the cash receipt issuing service; When the change processing service server is notified that the purchaser has completed the subscription to the cash receipt issuance service from the cash receipt issuing server, the change is characterized in that it comprises the step of providing a cash receipt issuance VM download service for the buyer terminal to the buyer terminal Payment method for transaction offering processing service. The method of claim 6, The buyer information, A method for payment of a transaction for providing a change processing service, characterized in that it comprises information on the change medium and the buyer contact information. The method of claim 1, The process of creating the sales history and transmitting to the buyer terminal through the change processing service server, Driving the change payment VM stored in an internal memory area, generating a login information input message, and outputting the screen according to the input of the change processing service execution request of the seller in the seller terminal; Performing a login procedure with the change processing service server using login information input from a seller who confirms the login information input message, and outputs a screen for generating and displaying a sales history request message upon successful login; And providing a change history according to an input from a seller who has confirmed the sale history creation request message. The method of claim 8, The sales history creation request message, A merchant payment method for providing a change processing service, comprising: a merchant display window, a purchaser contact information, an item price, a received amount, and a change amount window. The method of claim 1, The process of receiving change instruction to the change processing service server, When the purchaser terminal receives sales details from the seller terminal through the change processing service server, driving the change receiving VM stored in an internal memory area, generating a login information input message, and outputting a screen; Performing a login procedure with the change processing service server by using the login information input from the purchaser who has confirmed the output login information input message; Generating a screen for determining whether to receive the change including the sales details when the login is successful according to the login procedure; Outputting the change medium selection screen in association with the provided IC card or the USIM card according to the input of the change receipt determination of the buyer who has checked the output change decision message; Performing a terminal owner authentication procedure according to a change receipt medium selection input from a purchaser who has checked the output change receipt medium selection screen; And a change receipt instruction to the change processing service server upon approval of authentication according to the terminal owner authentication procedure. The method of claim 10, The performing of the terminal owner authentication procedure may include: Outputting a terminal owner authentication information input screen from the purchaser terminal; And confirming the terminal owner authentication information inputted from the purchaser who has checked the output terminal owner authentication information input screen with the PIN information of the provided IC card or USIM card. Transaction payment method that provides change processing service. The method of claim 1, The change ledger is The purchaser terminal telephone number, the change amount and the transaction payment method for providing a change processing service comprising the information on the selected change medium receiving medium. The method of claim 1, The process of requesting the change payment, Generating and displaying a determination message on the change payment including the change transaction ledger received from the change processing service server in the seller terminal; And performing a terminal owner authentication procedure according to the change payment input from the seller who has confirmed the output change payment determination message. The method of claim 13, The performing of the terminal owner authentication procedure may include: Outputting a terminal owner authentication information input screen from the seller terminal; And confirming the terminal owner authentication information inputted from the seller confirming the output terminal owner authentication information input screen and the PIN information of the provided IC card or the USIM card. Transaction payment method that provides change processing service. The method of claim 13, The performing of the terminal owner authentication procedure may include: Approving the authentication of the owner of the terminal according to whether or not the terminal owner authentication information input from the seller confirming the output terminal owner authentication information input screen in the seller terminal and the password of the provided official certificate; Transaction price settlement method for providing a change processing service, characterized in that made. The method of claim 1, When the change deposit / establishment process of the change receiving medium is completed, the change processing service server prepares a change receiving result of the change and transmits the result to the purchaser terminal; When the purchaser terminal receives the change receipt result details from the change processing service server, generating and displaying a change receipt result confirmation request message including the received change receipt result details; Transmitting, by the purchaser terminal, the change receipt result to the change processing service server according to the change receipt result confirmation input from the buyer who has confirmed the output change request result confirmation request message; And receiving a change receipt result of the change from the purchaser terminal in the change processing service server and storing the change history as a database in an internal memory area. The method of claim 1, When the transfer of the change from the change payment medium management server to the change receiving medium management server is completed, creating a change payment result in the change processing service server and transmitting the result to the seller terminal; If the seller terminal receives the change payment result details from the change processing service server, displaying a change payment result confirmation request message including the received change payment result details; Transmitting the change payment result details from the seller terminal to the change processing service server according to the change payment result confirmation input from the seller who has confirmed the output change payment result request message; And receiving a change payment result from the seller terminal in the change processing service server and storing the change payment database as a database in an internal memory area. The method of claim 17, After the transfer of the change payment result details to the change processing service server, the process of outputting the screen to generate a cash receipt issuance determination message by running the seller's cash receipt issuing VM stored in the internal memory area in the seller terminal; ; Transmitting the sales details and the cash receipt issuing service affiliate store authentication number from the seller terminal to the change processing service server according to the cash receipt issuance determination input from the seller who has confirmed the output of the cash receipt issuance determination message; Approving the service merchant verification of the seller based on the cash receipt issuing service affiliate store authentication number received from the seller terminal in the change processing service server, and transmitting the sales details received from the seller terminal to the cash receipt issuing server; Receiving, by the cash receipt issuing server, the sales history from the change processing service server, issuing a cash receipt corresponding to the transaction amount included in the sales history and transmitting the cash receipt to the change processing service server; Receiving the cash receipt from the cash receipt issuing server at the change processing service server, storing the cash receipt in an internal memory area, and notifying the seller terminal and the purchaser terminal of the completion of the cash receipt; When the purchaser terminal is notified of the completion of the cash receipt issuance from the change processing service server, driving the buyer cash receipt issuing VM stored in an internal memory area to generate a cash receipt receipt determination message and outputting the message; According to the cash receipt receipt determination input from the buyer who has confirmed the output of the cash receipt receipt determination message, the purchaser terminal requests the cash receipt to the change processing service server to receive the cash receipt from the change processing service server, The transaction payment method for providing a change processing service, characterized in that further comprising the step of outputting the received cash receipt screen. The method of claim 18, When the seller terminal is notified that the cash receipt is completed from the change processing service server, the cash receipt service request is sent to the change processing service server, the cash receipt is received from the change processing service server, and the received cash receipt is displayed on the screen. Transaction price settlement method for providing a change processing service, characterized in that.
KR1020090075163A 2009-08-14 2009-08-14 Transaction payment method providing small change management service KR20110017612A (en)

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20150305376A1 (en) * 2012-10-31 2015-10-29 Cj Cheiljedang Corporation Novel Aspergillus oryzae CJ 1354 isolated from the Korean traditional meju, manufacturing method of a rice hot pepper paste using the same and the rice hot pepper paste prepared by the method
KR20160028279A (en) 2014-09-03 2016-03-11 류지호 Server device and method for storing change
KR20170091722A (en) * 2014-12-18 2017-08-09 마스터카드 인터내셔날, 인코포레이티드 Method and system for accrual and spending of small change transactions

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20150305376A1 (en) * 2012-10-31 2015-10-29 Cj Cheiljedang Corporation Novel Aspergillus oryzae CJ 1354 isolated from the Korean traditional meju, manufacturing method of a rice hot pepper paste using the same and the rice hot pepper paste prepared by the method
KR20160028279A (en) 2014-09-03 2016-03-11 류지호 Server device and method for storing change
KR20170091722A (en) * 2014-12-18 2017-08-09 마스터카드 인터내셔날, 인코포레이티드 Method and system for accrual and spending of small change transactions
US10387869B2 (en) 2014-12-18 2019-08-20 Mastercard International Incorporated Method and system for accrual and spending of small change transactions

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