KR20180036171A - Method for providing point-recharge-needless dutch pay fintech service using nfc and wireless communication, which is available irrelevant to method of payment - Google Patents

Abstract

Disclosed is a method for providing a dutch treat service which does not require point charging and which is available regardless of payment method using NFC and wireless communication. The method comprises the steps of: paying an initial point to first and second users; setting a minus point limitation of the first and second users; determining the first user as a host user; requesting point payment to the second user by the first user; allocating a minus point corresponding to a point shortage to the second user if a point the second user has is insufficient.

Description

TECHNICAL FIELD [0001] The present invention relates to a method for providing a Dutch Paypin tech service that does not require point charging using NFC and wireless communication and can be used irrespective of a payment method. IRRELEVANT TO METHOD OF PAYMENT}

TECHNICAL FIELD The present invention relates to a technique for providing a pin tec technology, specifically, a patch service that does not require point charging and is usable regardless of a payment means.

With the commercialization of PinTech technology using smart phones, it became possible for users to exchange points instead of cash. Specifically, a user can use a smartphone application to exchange cash for points and save points, and transfer points to other users. The user who receives the points can change it into cash and deposit it into the account.

Point charging is mainly performed through cash. However, when some users' points are insufficient, there is a problem that point transactions are not smoothly performed due to cumbersome charging processes. Therefore, it is required to develop a technique that can solve the troubles that occur during the point charging process.

Published Japanese Translation of PCT Application No. 10-2015-0109859, Oct. 20, 2015

A problem to be solved by the present invention is to provide a Dutch Paypin tech service that does not require point charging and can be used irrespective of a payment means.

The problems to be solved by the present invention are not limited to the above-mentioned problems, and other problems which are not mentioned can be clearly understood by those skilled in the art from the following description.

According to an aspect of the present invention, there is provided a method of providing a Dutch payment service, the method comprising: providing an initial point to a first user and a second user; Setting a limit, determining the first user as a host user, requesting the first user to pay points to the second user, and, when the second user's holding point is insufficient, And assigning a minus point corresponding to the point shortage.

The step of assigning the minus points may include refusing the point payment if the minus point allocated to the second user exceeds a minus point limit of the second user, As shown in FIG.

Other specific details of the invention are included in the detailed description and drawings.

If several people want to share the settlement amount, there is a disadvantage that if there is no cash, it is necessary to remit the money separately or the whole amount should be divided and the card must be settled.

According to the disclosed embodiments, it is possible to conveniently share a settlement amount using points without complicated remittance procedures. Also, by circulating points among users, it is possible to continuously use the Dutch pay service without having to purchase or charge additional points even if the points are dropped.

Furthermore, according to the disclosed embodiment, in addition to Dutch Feet, a point-based transaction can be performed when an inter-personal money transaction is needed. According to the disclosed embodiments, continuous transaction is possible without charging, so that it can have an effect as a resource to replace cash.

In addition, according to the disclosed embodiment, since the point transaction is performed using the NFC, there is an effect that the point transaction can be performed freely even if the user is not registered as a friend or knows the contact.

The effects of the present invention are not limited to the above-mentioned effects, and other effects not mentioned can be clearly understood by those skilled in the art from the following description.

1 is a conceptual diagram schematically showing an overall system of a method for providing a Dutch pay service according to an embodiment of the present invention.
FIGS. 2 to 4 are views for explaining a zero-sum system according to an embodiment.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention, and the manner of achieving them, will be apparent from and elucidated with reference to the embodiments described hereinafter in conjunction with the accompanying drawings. It should be understood, however, that the invention is not limited to the disclosed embodiments, but may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein, Is provided to fully convey the scope of the present invention to a technician, and the present invention is only defined by the scope of the claims.

The terminology used herein is for the purpose of illustrating embodiments and is not intended to be limiting of the present invention. In the present specification, the singular form includes plural forms unless otherwise specified in the specification. The terms " comprises "and / or" comprising "used in the specification do not exclude the presence or addition of one or more other elements in addition to the stated element. Like reference numerals refer to like elements throughout the specification and "and / or" include each and every combination of one or more of the elements mentioned. Although "first "," second "and the like are used to describe various components, it is needless to say that these components are not limited by these terms. These terms are used only to distinguish one component from another. Therefore, it goes without saying that the first component mentioned below may be the second component within the technical scope of the present invention.

Unless defined otherwise, all terms (including technical and scientific terms) used herein may be used in a sense that is commonly understood by one of ordinary skill in the art to which this invention belongs. In addition, commonly used predefined terms are not ideally or excessively interpreted unless explicitly defined otherwise.

In this specification, a point means a virtual electronic money having a value that can be exchanged with cash. The rate of exchange of points and cash and the method of displaying points on an application are not limited. In one embodiment, cash and points are exchanged for 1: 1, and points on the application may be displayed in the form of a deposit. For example, a point on an application may be displayed as a deposit or as an amount deposited in a virtual account or an account of an application carrier, but the points of the present disclosure encompass all such concepts.

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

1 is a conceptual diagram schematically showing a method of providing a Dutch pay service according to an embodiment of the present invention.

In one embodiment according to FIG. 1, the users 10, 20, and 30 can share the amount to be paid to the merchant 200 and can carry out Dutch payment. For example, each of the users 10, 20, and 30 may be able to Dutch pay according to the price of their respective meals. Referring to FIG. 1, a user A 10 may pay a fee of 13,000 won, a user B 20 may pay 5,000 won, and a user C 30 may share a 13,000 won fee.

At this time, the user A 10 becomes a host and can pay an amount of 31,000 won to the franchisee 200.

In one embodiment, the user A 10 may pay a card of 31,000 won for the merchant 200. In another embodiment, user A 10 may pay $ 31 in cash for the merchant 200. The payment means that the host user uses to pay the merchant 200 for 31,000 won is not limited.

User A 10 may receive 5,000 won and 13,000 won from other users 20 and 30, respectively.

In one embodiment, each of the terminals 11, 21 and 31 may be provided with an application capable of exchanging points with cash equivalents. The users 10, 20 and 30 may pay for the subscription fee when they first install the application on each of the terminals 11, 21 and 31 or when subscribing to the Dutch Pay service according to the disclosed embodiment. The account of each of the users 10, 20 and 30 may be paid a point having a value equivalent to the paid membership fee.

 The users 10, 20 and 30 can share the amount to be paid to the merchant 200 using the points. For example, user B 20 may send 5,000 points to user A 10, and user C 30 may send 13,000 points to user A 10. In one embodiment, the point may have a value equivalent to cash.

The terminal 11 of the user A 10 who is the host user can store the history of receiving the points from the users 20 and 30 as the first transaction information. The terminal 11 can receive position information on the place where the point is received. The first transaction information may include positional information on the place where the point was received and time information on the time when the point was received.

In addition, the first transaction information may include location information on the location where each of the users 20 and 30 transmitted the point and time information on the time when the point was transmitted.

Also, the user A 10, which is a host user, can add a note to the first transaction information using an application installed in the terminal 11. [ For example, the user A 10 adds information such as a specific place and time at which the first transaction information occurred, information about other users 20 and 30, transaction purpose and related event as a memo to the first transaction information can do.

Also, the user A 10 who is the host user can photograph the transaction receipt with the merchant 200 and register it in the first transaction information. In one embodiment, the terminal 11 or the server 100 may analyze the photographed receipt to obtain information associated with the first transaction information.

The terminal 11 or the server 100 may add the first transaction information to the transaction history table of the user A10. In one embodiment, the first transaction information may also be added to the transaction history table of user B 20 and user C 30.

The server 100 can manage the transaction information of the users 10, 20 and 30 using a table. The server 100 can generate and manage statistical data of each of the users 10, 20 and 30 using each table.

In one embodiment, the terminal 11 may transmit the first transaction information to the application server 100 of the application provider.

In one embodiment, users 10, 20, and 30 may perform point transactions using the local wireless communication capabilities of each of the terminals 11, 21, and 31. For example, the users 10, 20, and 30 can perform point transactions using the near field communication (NFC) function of each of the terminals 11, 21, and 31.

For example, a user A 10 who is a host user can set up points to be received from other users 20 and 30, and then activate NFC tagging. Other users 20 and 30 can approve point transmission by tagging each terminal 21 and 31 to terminal 11 of user A10.

In one embodiment, the other users 20 and 30 tag each of the terminals 21 and 31 to the terminal 11 of the user A 10, and then perform a separate acknowledgment input to authorize the point transmission You may. If the point transfer is approved, the point set by the user A 10 can be transmitted from the other users 20 and 30 to the user A 10.

When performing point transactions using NFC, point transactions can be easily performed even among people who are not related at all. For example, even if each of the users 10, 20, and 30 does not add friends to each other or does not know each other's contacts, if NFC is used, Therefore, utilization of the Dutch pay service according to the disclosed embodiment can be further enhanced.

In addition, the recognition distance of NFC is very short, which is also excellent in security. In order to perform point transaction using NFC, each terminal and a user of each terminal must be located close to each other, so that simple and safe point transactions can be performed through consultation between users.

In another embodiment, user A 10 may send information to server 100 requesting a point payment for users 20 and 30. The server 100 can request approval of the point A payment request of the user A 10 by using the application installed in the terminals 21 and 31 of the users 20 and 30.

For example, the server 100 may request the users 20 and 30 to perform an approval input for the point payment request of the user A 10 using the push notification function of the application.

The server 100 may request approval of the user A 10's point payment request to the users 20 and 30 using a message application or a text message. For example, the server 100 may transmit a URL capable of performing an approval input for a point payment request of the user A 10 using a message application or a text message.

The above-described methods that the server 100 can use to request approval of the point-payment request of the user A 10 are described for illustrative purposes, but are not limited thereto.

In the embodiment shown in Fig. 1, the holding point of user A 10 is 30,000 points, the holding point of user B 20 is 25,000 points, and the holding point of user C 30 is 5,000 points.

User B 20 can pay his / her point to user A 10 since he has more points than user A 10 has to pay. After User B 20 pays 5,000 points to user A 10, the holding point of User B 20 will be 20,000 points.

In the case of the user C 30, the user A 10 has less than the number of points to be paid to the user A 10, and therefore the user A 10 can not pay the user A 10 with 13,000 points. In this case, generally, the user can pay the points to the account of the user C 30 using the cash, and then pay the points to the user A 10.

According to the disclosed embodiment, the user C 30 can pay the point to the user A 10 without charging. The server 100 may grant a predetermined negative point to the user C30. For example, the server 100 may grant a minus point of up to -20,000 points to the account of user C30.

In this case, the user C 30 can pay 13,000 points to the user A 10. In this case, it can be understood that the user C 30 pays his point 5,000 points to the user A 10 and the remaining 8,000 points from the server 100 to the user A 10.

After paying 13,000 points to user A 10, the holding point of user C 30 would be -8,000 points. In the disclosed embodiment, user C 30 may pay points to another user until it is -20,000 points.

If the user does not have a point or becomes a negative point, the user can become a host user and charge points by receiving points from another user. In the disclosed embodiment, the user C 30 may pay the points to another user until the point is -20,000 points, but preferably, if the point approaches 0 points or becomes a minus point, then instead of using a minus point You can become a host user and direct users to receive points from other users.

For example, if a minus point occurs, you can provide a push notification that suggests you to be a host user in an additional transaction. In addition, since a point can be regarded as being borrowed from the server 100 upon occurrence of a minus point, the deadline for repayment of the minus point may be limited or recommended.

In one embodiment, the server 100 may refuse a point payment request if the user requests a point payment exceeding the minus point limit. For example, it is impossible for user C 30 to pay 30,000 points to user A 10. In this case, the server 100 may request that the user C 30 be a host user.

In one embodiment, the creditworthiness of the user can be evaluated. The user's credit rating can be evaluated using the user's default credit rating. Further, the creditworthiness of the user can be evaluated or updated by the user by analyzing the use pattern of the Dutch payment service.

The server 100 may adjust the limit of the available minus points according to the creditworthiness of the user. In addition, the server 100 may adjust the period during which the user should repay the minus point according to the creditworthiness of the user, and may determine whether the repayment period is restricted or recommended.

By using minus points, users can continue to use the Dutch Pay service without additional charging.

FIGS. 2 to 4 are views for explaining a zero-sum system according to an embodiment.

In one embodiment, there may be an entry fee to subscribe to the Dutch Pay service. For example, the activation fee can be 20,000 won. If the user pays a subscription fee of 20,000 won and subscribes to the Dutch Pay service, the user can receive 20,000 points worth the equivalent of 20,000 won.

Each of the users can use the Dutch Pay service using 20,000 points initially paid. Referring to FIG. 2, the membership fee paid by the users who subscribe to the Dutch Pay service is 60,000 KRW. Therefore, the total number of users who use the Dutch Pay service is 60,000 points.

In one embodiment, the membership fee paid by each of the users 10, 20, and 30 may be deposited in the bank 300.

Users can perform a Dutch payout by paying points to each other. There may be a user who exhausts points in the process, or a user who has a negative point. However, the points held by all users do not change.

Referring to FIG. 1, user A 10 has 30,000 points, user B 20 has 25,000 points, and user C 30 has 30,000 points before users 10, 20 and 30 use the Dutch pay service. It had 5,000 points. In this case, the total points owned by the users 10, 20, and 30 are 60,000 points in total.

FIG. 3 is a diagram illustrating a situation in which users 10, 20, and 30 shown in FIG. 1 use the Dutch Pay service.

After using the Dutch service, user A 10 holds 48,000 points, user B 20 holds 20,000 points, and user C 30 holds -8,000 points. Even in this case, the total points owned by the users 10, 20 and 30 are 60,000 points in total.

In Figure 3, the point of user C 30 is negative. Thereafter, instead of charging the points using cash, the user C can obtain points by becoming a host user himself / herself.

In the disclosed embodiment, point charging is performed by being a host user instead of cash and receiving points from other users. In this case, if there are two or more users whose points are insufficient in the group, establishment of a transaction may be difficult.

According to the disclosed embodiment, by allowing a certain range of negative points, even if the user lacks the points, the user can perform the point payment with a minus point instead of using the cash. That is, according to the disclosed embodiment, by using a minus point, a predetermined grace period can be ensured until point charging.

Therefore, even if there are two or more users whose points are insufficient in the group, point charging through point payment can be continuously performed mutually.

4 is a diagram illustrating an example in which user C 30 becomes a host user and points out from other users 10 and 20 to depart from a minus point according to the disclosed embodiment.

In one embodiment, a situation may occur where the users 10, 20, and 30 have to pay a total of 30,000 won for each 10,000 won. In this case, the user C (30) having the minus point can pay 30,000 won as the host user, and charge 10,000 points each from the user A (10) and the user B (20).

In this case, the user A 10 can hold 38,000 points, the user B 20 can hold 10,000 points, and the user C 30 can hold 12,000 points. In this case as well, the sum of the points held by the users 10, 20 and 30 is 60,000 points.

As shown in FIGS. 2-4, the users 10, 20, and 30 can only continue to use the Dutch payment service through the zero-sum system without additional charging after paying the initial subscription fee.

2 to 4, only three users are subscribed to the Dutch pay service, and the entire user participates in the Dutch pay. However, the same configuration is applicable to a case where a plurality of users subscribe to the Dutch Pay service, It is obvious that the present invention can also be applied to a case where some users simultaneously perform batch fetching.

The steps of a method or algorithm described in connection with the embodiments of the present invention may be embodied directly in hardware, in software modules executed in hardware, or in a combination of both. The software module may be a random access memory (RAM), a read only memory (ROM), an erasable programmable ROM (EPROM), an electrically erasable programmable ROM (EEPROM), a flash memory, a hard disk, a removable disk, a CD- May reside in any form of computer readable recording medium known in the art to which the invention pertains.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, You will understand. Therefore, it should be understood that the above-described embodiments are illustrative in all aspects and not restrictive.

10: User A
11: User A terminal
20: User B
21: User B terminal
30: User C
31: User C terminal
100: Server
200: Merchant

Claims (2)

In a method for providing a Dutch pay service,
Paying an initial point to the first user and the second user;
Setting a minus point limitation of the first user and the second user;
Determining the first user as a host user;
Requesting the first user to pay points to the second user; And
Assigning a minus point corresponding to the point shortage to the second user if the second user's holding point is insufficient; / RTI > 2. The method of claim 1, wherein the assigning of the minus points comprises:
Rejecting the point payment if the minus point assigned to the second user exceeds a minus point limit of the second user; And
Determining the second user as a host user; ≪ / RTI >

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