KR20170071379A

KR20170071379A - Method for Providing Mobile Demand Payment Service

Info

Publication number: KR20170071379A
Application number: KR1020150180213A
Authority: KR
Inventors: 장영환
Original assignee: 체크페이 주식회사; 장영환
Priority date: 2015-12-15
Filing date: 2015-12-15
Publication date: 2017-06-23

Abstract

The present invention relates to a method for providing a mobile billing service, wherein a method for providing a mobile billing service executed by a server for providing an inter-personal mobile remittance service according to the present invention comprises: A second step of verifying whether the member is a valid individual business entity capable of making a bill using the received individual business entity information, a second step of verifying whether the member is a valid individual business entity capable of making a bill using the received individual business entity information, A third step of activating an invoice creation menu on the terminal of the member when verified with the member, a fourth step of generating an invoice using billing information of one or more of the respondents received from the terminal of the member, A fifth step of providing an invoice to the terminal of one or more clients, And from the terminal corresponding to the bill and a sixth step of processing to be performed by the payment with the payment method.

Description

[0001] METHOD FOR PROVIDING A MOBILE BILLING PAYMENT SERVICE [0002]

The present invention relates to a mobile billing service providing method in which a claimant (individual business person or individual) provides a bill to a person (individual) through a mobile, and the biller can check the amount billed through the mobile and easily make payment through remittance .

Recently, various simple payment services have appeared in the era of PinTech. In the simple payment service, a card or an account is registered in advance, and when payment is actually made, payment is made without exposing the card or account information through a password or a disposable authentication number registered in advance.

Korean Patent Laid-Open No. 10-2003-0012912 (published on February 12, 2003) relates to a remittance service system using a mobile phone, in which a remitter requests remittance to a remitter through a communication service provider, And a remitter who sends the remittance to the remitter.

Korean Patent Application Publication No. 10-2010-0002784 (published on Jan. 07, 2010) discloses a remittance service providing method using a mobile terminal and a remittance service providing server, wherein a server (remittance service providing server) When receiving the remittance information and the remittance application from the terminal (including the remittee inquiry and payment of the remitter payment), the server generates identification information corresponding to the remittance application, and the server sends a remittance message containing the identification information and information about the server to the remittee (Including recipient authentication with the ARS) corresponding to the remittance information when the server receives the identification information from the remittee terminal.

All of the above-mentioned patent publications relate to individual remittances, and there was no billing service that is combined with a firm banking service or a CMS service for an individual or an individual service provider. Therefore, It is time to need a new service.

In order to solve the above problems, an object of the present invention is to provide a mobile billing service providing method, in which a claimant (an individual business person or an individual) provides an invoice to a person (individual) through a mobile, It is easy to check the amount of money and make payment through remittance.

The method for providing a mobile billing service executed by a server for providing an inter-personal mobile remittance service according to the present invention is a method for providing a mobile billing service provided by a server of a member, A second step of verifying that the member is a valid individual business entity capable of making a bill using the received individual business entity information, and a step of activating the billing creation menu on the terminal of the member if the valid individual business entity is verified A fourth step of generating an invoice using the billing information for at least one of the respondents received from the terminal of the member, a fifth step of providing the generated invoice to the terminal of the one or more respondents, , Using the payment means specified in correspondence with the bill from the terminal of the requesting person And a sixth step of processing so that settlement is performed.

According to the present invention, the step of registering payment / deposit account information of a member who subscribes to the inter-personal mobile transfer service before the first step may be further included.

According to the present invention, the individual business entity information may include a business entity number, a representative name, a date of birth, a gender division, a business type, a business category, and a business registration certificate scan information.

According to the present invention, the first step may include processing the interface for scanning the business registration card to be output through the terminal of the member, and checking the scan information about the business registration certificate scanned through the interface .

According to the present invention, the second step may include: confirming the individual business information to be verified by reading the bar code on the business registration certificate of the member; checking the individual member information inputted by the member when joining the mobile transfer service Comparing the personal information with the individual member information to confirm whether the representative information matches the representative information, and registering the individual information for issuance of the bill if the information matches the representative information.

According to the present invention, in the fifth step, when the respondent is a member who subscribes to the interpersonal mobile remittance service, the applicant provides an invoice to the terminal of the respondent through the app push, and when the applicant subscribes to the interpersonal mobile remittance service If the user is not a member, the step of providing a text message including access information for requesting arrival and membership to the terminal of the requesting person may be performed.

According to the present invention, there is an advantage that a claimant (an individual business person or an individual) can provide an invoice to the person (individual) through the mobile, and the requestee can check the amount charged through the mobile and easily settle the money through remittance.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram of a system for providing a mobile billing service according to an embodiment of the present invention; FIG.
FIG. 2 is a diagram illustrating a process of joining a business entity for billing according to an embodiment of the present invention.
3 is a view illustrating a mobile screen for a process of verifying business information for billing according to an embodiment of the present invention.
4 is a diagram illustrating a mobile billing and payment process according to an embodiment of the present invention.
5 is an exemplary illustration of a mobile invoice according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

FIG. 1 is a diagram illustrating a configuration of a mobile billing service providing system according to an embodiment of the present invention.

More specifically, FIG. 1 verifies whether a member is a private business operator among members who subscribe to an inter-personal mobile remittance service, and provides the right to send and write a bill to the respondent (other member or non-member) And a mobile billing and payment service providing system that allows the requesting person to remit payment through the account information registered at the time of joining the member based on the provided bill, when the bill created by the member is provided to the requesting person, Those skilled in the art will appreciate that various modifications and variations of the present invention will become apparent to those skilled in the art from the description and / And FIG. 5 is a flowchart showing the operation The technical features are not limited by the method alone.

Referring to FIG. 1, a mobile billing service providing system provides a mobile remittance service between a terminal (for example, a smart phone or the like) provided by a member who subscribes to an inter-personal mobile remittance service and an individual, And a server (100) for making a request for billing by providing a bill to one or more clients (non-members) by allowing a member who is a member of the remittance service to write a bill to a member verified as a private business, .

According to the present invention, the terminal of the member described in the present invention includes, in order to facilitate understanding of the present invention, a terminal 155 provided by a member who subscribes to the inter-personal mobile remittance service, A terminal 160 of a member who is verified as a business operator and capable of making a bill and a terminal 165 of a member (a respondent) who receives a bill and performs a bill settlement will be described below.

The terminal 155 possessed by the member who subscribed to the inter-personal mobile remittance service includes a smart phone in which an application for the inter-personal mobile remittance service is installed. The personal transfer service can be used through the personal transfer server 155.

The member who is verified to be an individual business member of the member who has subscribed to the inter-individual mobile remittance service and can make a bill can input billing information for billing through the terminal 160 and transmit the billing information to the server 100, Or non-member) terminal 165 of the user.

Referring to FIG. 1, the server 100 may provide an inter-personal mobile remittance service or may interwork with a server providing a personal remittance service. In order to provide a mobile bill payment service according to the present invention, The billing information providing unit 125, the billing information generating unit 130, the billing service providing unit 110, the billing information providing unit 120, the billing information receiving unit 125, 135, a bill payment processing unit 140, a mobile remittance service unit 145, and a storage medium 150.

The membership subscription processing unit 105 receives membership subscription information such as a name, e-mail, and a password for an inter-personal mobile transfer service from a terminal held by the customer, and processes membership of the mobile transfer service among the customers.

In particular, when the customer selects a bank and inputs an account number, the member registration processor 105 inquires the name of the real name for the account number , ARS authentication, etc., to register the payment / deposit account information of the customer.

Herein, the settlement / payment account information can be used after the customer joins as a member, without using any separate account information in the inter-personal mobile remittance service, and in the case of the mobile payment settlement service, It is possible to use it as a money transfer account.

When the personal service provider information received from the member terminal 155 through the personal service provider information receiving unit 110 is verified through the personal service provider information verification unit 115, It can be treated as a member who can make a bill.

When the individual business operator information receiving unit 110 wishes to issue a predetermined bill to another member or non-member who is an individual business operator among the members who have subscribed to the inter-individual mobile transfer service through the member registration processing unit 105, From the terminal 155 of the member, individual carrier information for proving that the individual carrier is the individual carrier.

A member who wishes to make a bill among the members who have subscribed to the inter-personal mobile remittance service inputs a business number, a representative name, a date of birth, a gender classification, a business type, a business category and a business registration card scan information can do.

The individual business entity information receiving unit 110 may provide an interface for inputting the individual business entity information to the terminal 155 if the request for issuance of a bill from the member or a request for verification of a personal business member is received from the terminal 155 And the interface may include an interface for scanning the business license of the member.

When the individual business entity information is received from the terminal 155 of the member requesting the issuance of the bill through the individual business entity information receiving unit 110 or verifying that the individual business entity is a member of the individual business entity, It is possible to verify whether the member is an individual business operator by using the business entity information.

For example, the individual business entity information verification unit 115 may verify the business information (representative name, resident registration number, etc.) obtained by reading the barcode of the scan information scanned by the business registration information, Name, date of birth, etc.) to verify that the member is the individual business operator described in the actual business registration certificate.

If the member is verified to be an individual business entity through the individual business entity information verification unit 115, the member is authorized to issue and issue a bill to another member or non-member in accordance with the present invention. For example, the billing item of the service application displayed on the terminal 155 of the member proved to be the individual business entity can be activated, so that the member further uses the billing service for issuing the bill in addition to the inter-individual mobile transfer service .

In addition, the membership subscription processing unit 105 may further store the individual's business verification details of the member through the individual business entity information verification unit 115 in association with the member registration information of the member.

When the billing interface providing unit 120 confirms the billing request or issuance request by the member verified as the individual business entity through the individual business entity information verification unit 115, the billing interface providing unit 120 requests the member terminal 160 to issue a bill And provide an invoice interface through which information can be entered or selected.

The member inputs or selects billing information including at least one of a billing object, a billing amount, a billing amount, a billing date, etc. through the billing interface output to the terminal 160.

In this case, the billing object may be such that the member directly inputs the telephone number of the requesting person, or may select the telephone number in cooperation with the telephone directory, and may select a plurality of persons in the case of the same billing content, the billing amount, and the billing date and time.

If the member is a member who periodically makes an invoice (the member himself or herself can register the invoice date and time on the 10th day of each month or can make a judgment based on the member's invoice creation history) It is possible to notify the member terminal 160 of the arrival of the billing date and time, and it is also possible to automatically provide the billing interface for billing.

The billing information receiving unit 125 receives the billing information inputted or selected in the billing interface provided to the member terminal 160 through the billing interface providing unit 120 and transmits the received billing information to the billing information generating unit 130. [ .

When billing information is received from the member terminal 160 through the billing information receiving unit 125, the billing information generating unit 130 grasps the billing object, the billing contents, the billing amount, the billing date, and the like through the received billing information And generate billing information to be transmitted to the terminal 165 of the requesting subject.

When the billing information to be transmitted to the requesting terminal 165 is generated through the billing information generating unit 130, the billing providing unit 135 may transmit the generated billing information to the requesting terminal 165 of the requesting person.

Here, the billing service provider 135 can check the name, ID, telephone number, etc. of the person in question, and confirm whether the respondent is a member who subscribed to the inter-individual mobile remittance service. If the requesting person is confirmed as a member, the subscriber can provide the bill to the requesting terminal 160 through app push so that the bill can be confirmed through the application installed in the terminal 160 upon joining the membership.

On the other hand, if the respondent is not a member, the billing service provider 135 creates a text message to be provided to the terminal 160 of the respondent and provides the text message to the terminal 160 of the requesting person.

Here, the text message may include information indicating that an invoice has arrived and access information (e.g., a callback URL) for joining a member. The contactee may access the server 100 through the contact information, After the subscription and service application is installed, the invoice can be provided.

When the bill arrives at the terminal 165 of the requesting person through the bill providing unit 135, the requesting person checks the contents of the bill and performs settlement according to the contents of the bill. The bill payment processing unit 140 receives the bill, If the request for settlement of payment is confirmed from the account holder 165, the claimant withdraws the charge from the account registered at the time of joining the member and remits the account to the account of the claimant so that the settlement can be performed.

The mobile remittance service unit 145 selects a remittance target, inputs a mobile phone number and a remittance account number, and then inputs a remittance amount, the remittance amount is withdrawn from the account registered by the member at the time of membership, Make it easy to transfer funds to the target account.

FIG. 2 is a diagram illustrating a process of joining a service provider for billing according to an embodiment of the present invention.

In more detail, FIG. 2 shows a mobile billing service providing system shown in FIG. 1, which verifies whether a member is a private business operator among members who subscribe to an inter-personal mobile remittance service, and sends a bill to the person (other member or non-member) The present invention is not limited thereto. For example, the present invention is not limited to the above-described embodiments, and various modifications and changes may be made without departing from the spirit and scope of the present invention. It is to be understood that the invention is not limited to the specific embodiments shown and described herein. It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention.

Referring to FIG. 2, the business member registration process for creating a bill illustrated in FIG. 6 includes a service (a personal mobile transfer service and a mobile payment service) to a terminal 155 of a member joining an individual mobile transfer service (200). &Lt; / RTI >

In the member joining process, the member can access the server 100 through the terminal 155 and register the settlement / deposit account information to be used for the service (205).

Thereafter, if there is a member 210 who wishes to make a bill to be issued to another member or a non-member among the members who have subscribed to the inter-personal mobile remittance service, the server 100 may transmit the bill to the member (215).

If it is determined that the verification request is confirmed at the terminal 155 (220), the terminal 155 of the member 155 transmits a notification to the terminal 155 of the member, ) 225 to provide an interface for input or selection of individual business entity information required for individual business entity verification.

According to the present invention, among the members who subscribe to the inter-individual mobile remittance service, the member who wishes to make a bill is provided with a business number, a representative name, a date of birth, a gender classification, a business type, 155). &Lt; / RTI >

When the server 100 receives the personal service provider information inputted or selected through the interface provided to the terminal 155 of the member requesting the issuance of a bill or verifying that the service provider is a member of a private business entity, (230) whether the member is an individual business operator.

According to the embodiment of the present invention, the server 100 may store the personal information (name, resident number (date of birth), etc.) registered at the time of joining the first member of the member and the business information obtained by reading the barcode of the scan information Information (representative name, date of birth, etc.) may be compared to verify that the member is the individual business operator listed on the actual business registration certificate.

If it is verified that the member is a private business, the member is authorized to issue and issue an invoice to another member or non-member in accordance with the present invention. For example, the billing issue item of the service application displayed in the terminal 155 of the member proved to be the individual business entity may be activated (235), and thus the member may request the billing service . &Lt; / RTI >

FIG. 3 is a view illustrating a mobile screen for a process of verifying business information for billing according to an embodiment of the present invention.

FIG. 3 shows a screen for inputting and analyzing individual business operator information for verifying that a member is a private business operator capable of making a bill in the business member registration process for creating the bill of FIG. 2, It will be appreciated that those skilled in the art will be able to conceive of various embodiments of the process for verifying business information for creating the bill by referring and / or modifying FIG. 3, All the methods of implementation are included, and the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 3, a billing menu selection screen shown in FIG. 3 is an example of a screen for selecting a billing menu among various menus displayed when a member executes an application installed in the terminal 155, The member who has not been verified as a private business entity is in a disabled state and the member selects the disabled state menu or transmits the personal business entity information to the server through the menu of activation of another billing menu, (100) to request verification.

The illustrated business registration card scan screen provides an interface for scanning the personal business registration card held by the member for the individual business operator information registration to the terminal 155 of the member after the request menu selection screen, FIG. 6 is a screen view illustrating scanning of a personal business registration certificate through a personal digital assistant;

The scan information analyzing screen shown in the figure is a screen for confirming the individual business operator information using the business registration card scan information transmitted from the terminal 155 in the server 100 after the business registration card scan screen, And outputs the result as shown in this screen.

4 is a diagram illustrating a mobile billing and payment process according to an embodiment of the present invention.

In more detail, FIG. 4 is a flowchart illustrating a method of providing a mobile billing service according to an embodiment of the present invention. Referring to FIG. 4, after providing a bill created by a member, 4 is a flow chart illustrating a process of remitting the settlement through the account information registered at the time of joining a member based on the provided bill, and the person skilled in the art will be able to refer to FIG. 4 and / The present invention is not limited to the above-described embodiments, and various changes and modifications may be made without departing from the spirit and scope of the present invention. It is not limited.

Referring to FIG. 4, in the mobile billing and payment process shown in FIG. 2, after the process of FIG. 2, a billing request is received from a member terminal 160 that has been verified as a private business entity in the server 100 shown in FIG. And providing an interface for inputting billing information necessary for billing to the terminal 160 (step 400).

According to the method of the present invention, the member can input or select billing information including at least one of a billing object, a billing amount, a billing amount, a billing date, etc. through the billing interface output to the terminal 160.

The billing object may allow the member to directly input the telephone number of the contact person, or may select the telephone number in cooperation with the telephone directory, and may select a plurality of contact persons in the case of the same billing content, the billing amount, and the billing date and time.

According to the embodiment of the present invention, when the member 100 is a member who periodically makes an invoice (the member himself or herself can register the invoice date and time on the 10th day of each month, ), It is possible to notify that the billing date and time has come to the member terminal 160 at a specific date and time, and it is also possible to automatically provide the billing interface for billing.

When the billing information input or selected in the billing interface provided to the member terminal 160 is received (405), the server 100 grasps the billing object, the billing content, the billing amount, the billing date and the like through the received billing information And generates billing information to be transmitted to the terminal 165 of the requesting person as a charge object (410).

When the billing information to be transmitted to the terminal 165 of the requesting person is generated, the server 100 transmits the generated billing information to the terminal 165 of the requesting person. At this time, the name, (415) by checking whether the member is a member who subscribed to the inter-personal mobile remittance service.

If the requesting person is identified as a member, the subscriber can provide the bill to the requesting terminal 160 through the app push so that the bill can be confirmed through the application installed in the terminal 160 at the time of subscription.

If the respondent is not a member, the server 100 generates a text message to be provided to the terminal 160 of the respondent, and provides the prepared text message to the terminal 160 of the requesting user (step 430) .

Here, the text message may include information indicating that an invoice has arrived and access information (e.g., a callback URL, etc.) for joining a member. The contactee may access the server 100 through the contact information, Application installation and subscription (435).

When the request is received from the terminal 165 of the requesting person, the requesting person confirms the contents of the request (425) and performs settlement according to the contents of the request. The server 100 receives the request for payment from the terminal 165 of the requesting person The request is withdrawn from the account registered at the time of joining the member, and the request is remitted to the account of the claimant so that the customer can settle the charge (440).

5 is an exemplary illustration of a mobile bill according to an embodiment of the present invention.

More specifically, FIG. 5 illustrates a screen for a mobile invoice provided to the terminal 165 of the respondent through the process of providing the mobile invoice of FIG. 4, and it is understood that a person skilled in the art And FIG. 5 may be referred to and / or modified to derive various implementations of the mobile billing screen. However, the present invention includes all of the above-described embodiments, and only the implementation method shown in FIG. 5 Its technical characteristics are not limited.

Referring to FIG. 5, when a bill prepared by a member who is a private business is provided to the terminal 165 of the respondent and the request is provided to the terminal 165 of the requesting person, It is possible that the application will run automatically.

The person in charge can check the bill provided to the terminal 165 and then click on the button for settlement to request the settlement of the requested amount. At this time, the requested amount is automatically calculated from the account information registered at the time of the request The money is withdrawn and remitted to the claimant's account, so that settlement can be easily completed.

100: server 105:
110: Personal Business Operator Information Receiving Unit 115: Personal Business Operator Information Verification Unit
120: billing interface providing unit 125: billing information receiving unit
130: bill information generating unit 135:
140: a charge settlement processor 145: a mobile remittance service
150: storage medium 155: member terminal
160: member (provider) terminal 165: member (requesting terminal) terminal

Claims

1. A method for providing a mobile billing service executed by a server providing an inter-personal mobile remittance service,
A first step of receiving personal carrier information for granting a billing request from a terminal of a member who has subscribed to the inter-personal mobile remittance service;
A second step of verifying that the member is a valid individual business entity capable of making a bill using the received individual business entity information;
A third step of activating an invoice creation menu on the terminal of the member if it is verified as a valid private business entity;
A fourth step of generating an invoice using billing information for at least one requesting person received from the terminal of the member;
A fifth step of providing the generated bill to the terminal of one or more respondents; And
And a sixth step of causing the terminal of the requesting person to perform settlement using the payment means specified in correspondence with the bill.

2. The method of claim 1, wherein, prior to the first step,
And registering the payment / deposit account information of the member who subscribed to the personal mobile payment service.

The method according to claim 1,
A business number, a representative name, a date of birth, a gender division, an industry type, a business type, and a business registration card scan information.

2. The method according to claim 1,
Processing so that an interface for scanning a business registration card is outputted through the terminal of the member;
And checking the scan information of the business registration certificate scanned through the interface.

2. The method according to claim 1,
Reading the bar code on the business registration certificate of the member to confirm the individual business information to be verified;
Confirming the personal member information that the member has input when joining the personal mobile transfer service;
Comparing the personal service provider information with the personal member information to confirm whether the representative information matches the representative information;
And registering the personal carrier information for issuing a bill if it is matched.

The method as claimed in claim 1,
If the respondent is a member who has subscribed to the inter-personal mobile remittance service, he / she provides an invoice to the terminal of the requesting person through app push, and if the requesting member is not a member who has subscribed to the interim paying mobile transfer service, And providing a text message including access information for subscription to the mobile billing service.