KR20200041631A - Apparatus and method for providing a simple settlement service of a corporation account - Google Patents

Abstract

The present invention relates to an apparatus for providing a simple payment service of a corporation account, to perform a transaction using a corporation account in an online environment, and a method thereof. According to one embodiment of the present invention, a method executed by a server to provide the simple payment service of a corporation account comprises the following steps of: (a) receiving user information including a payment request and a corporation account from a member store server to perform a payment manager authentication step; (b) generating an authentication number for authenticating payment and remitting a predetermined amount to the corporation account through a depositor name including the authentication number; (c) requesting a request for an authentication number for authenticating the payment to a user terminal; and (d) when the authentication number from the user terminal is received, determining whether the received authentication number is matched with the authentication number transmitted in the step (c), performing a mobile phone authentication task for remittance agreement of a manager with the user terminal, and advancing account remittance through a payment gateway server. The member store server receives the payment request from the user terminal in cooperation with the server and the payment gateway server receives the remittance request and result from a bank.

Description

Apparatus and method for providing convenient payment service for corporate accounts {APPARATUS AND METHOD FOR PROVIDING A SIMPLE SETTLEMENT SERVICE OF A CORPORATION ACCOUNT}

The present invention relates to an apparatus and method for trading through a corporate account in an online environment.

In general, a general user can easily authenticate and perform himself / herself through a public certificate, biometric authentication, mobile phone authentication, etc. in order to perform a transaction through his / her account in an online environment.

However, in the case of a corporate card (or a corporate account), it is established in the name of a corporation, and it is generally prohibited to use it for personal use by individuals. Therefore, it is currently difficult to use a corporate card (or corporate account) in a special environment such as an online environment.

The main reason for the use of a corporate card (or corporate account) is the problem of authenticating the user, because the method of authenticating that the party performing the transaction belongs to the company is insufficient.

The present invention is to solve the problems of the prior art described above, and for performing a transaction using a corporate account in an online environment, applying authentication to verify that the user has access to the corporate account online and The aim is to make it easy to conduct transactions in the same environment.

However, the technical problem to be achieved by the present embodiment is not limited to the technical problem as described above, and other technical problems may exist.

In a method for providing a simple payment service of a corporate account, which is performed by a server, according to an embodiment of the present invention as a technical means for achieving the above-described technical problem, (a) a payment request from a merchant server and a corporation Receiving a user information including an account and performing a payment person authentication step; (b) generating an authentication number for payment authentication and transferring a predetermined amount to a corporate account through the name of the depositor including the authentication number; (c) requesting an authentication number for payment authentication from the user terminal; And (d) upon receiving the authentication number from the user terminal, after determining whether it matches the authentication number sent in step (c), perform a mobile phone authentication operation for the withdrawal consent of the person in charge to the user terminal and transfer the account through the payment agency server. Including; but, the merchant server receives a payment request to the user terminal in cooperation with the server, the payment server may receive a withdrawal request and results to the bank.

Another embodiment for achieving the above-described technical problem is in a device for providing a simple payment service of a corporate account, receiving a payment request and user information from a server of the affiliated store, and then providing a simple payment service of the corporate account Includes a processor that provides a method for providing a simple payment service for a corporate account by executing a program stored in the memory and a program providing a method, wherein the processor receives user information including a payment request and a corporate account from a merchant server. Receive, generate an authentication number for payment authentication, transfer a preset amount to an account number through the name of the depositor including the authentication number, request an authentication number for payment authentication from the user terminal, and authenticate the authentication number from the user terminal When receiving, ARS for withdrawal consent of the person in charge to the user terminal After performing the withdrawal consent, the account transfer is performed through the payment agency server, but the affiliate server receives the payment request to the user terminal in cooperation with the server, and the payment agency server is convenient for the corporate account that receives the withdrawal request and results to the bank. It may be a device that provides a payment service.

The present invention. It is for conducting a transaction using a corporate account in an online environment, and it can be implemented to easily conduct a transaction even in an online environment by applying an authentication that confirms that the user has access to a corporate account.

Through this, a corporate account is used in an environment such as an online shopping mall, but it is possible to perform a transaction quickly and easily like a transaction through a general account.

1 is a diagram illustrating a system configuration for providing a simple payment service for a corporate account according to an embodiment of the present invention.
2 is a diagram showing the configuration of a server providing a simple payment service for a corporate account according to an embodiment of the present invention.
3 is an operation flow diagram showing a method of providing a simple payment service for a corporate account performed by a server according to an embodiment of the present invention.
4 is a flowchart illustrating a method of providing a simple payment service for a corporate account performed by a user terminal according to an embodiment of the present invention.
5A to 5E are diagrams illustrating an example of an interface using a simple payment service for a corporate account according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art to which the present invention pertains can easily practice. However, the present invention can be implemented in many different forms and is not limited to the embodiments described herein. In addition, in order to clearly describe the present invention in the drawings, parts irrelevant to the description are omitted, and like reference numerals are assigned to similar parts throughout the specification.

Throughout the specification, when a part is "connected" to another part, this includes not only "directly connected" but also "electrically connected" with another element in between. . In addition, when a part is said to "include" a certain component, this means that other components may be further included instead of excluding other components, unless specifically stated otherwise.

The following examples are detailed descriptions to help understanding of the present invention, and do not limit the scope of the present invention. Therefore, the same scope of the invention performing the same function as the present invention will also belong to the scope of the present invention.

Throughout the specification, the server 100 may refer to a device for providing a simple payment service for a corporate account.

1 is a diagram illustrating a system configuration for providing a simple payment service for a corporate account according to an embodiment of the present invention.

Referring to FIG. 1, a system 1 for providing a simple payment service for a corporate account according to an embodiment of the present invention includes a server 100, a user terminal 200, an affiliate store server 300, and a payment agency server ( 400). In addition, although illustrated by arrows, the server 100, the user terminal 200, the merchant server 300, and the payment agency server 400 are interconnected through a communication network.

The server 100 according to an embodiment of the present invention provides an interface as shown in FIGS. 5A to 5E so that a simple payment service of a corporate account can be provided through a terminal application mounted on the user terminal 200. do.

In addition, the user terminal 200 performs payment request by providing user information to the merchant server 300 based on the interface provided from the server 100.

The merchant server 300 receiving the payment request and the user information transmits the information to the server 100, and the server 100 authenticates the user terminal to confirm that the user has access to the corporate account. It is characterized in that, according to the authentication result, the account transfer is performed through the mobile phone authentication operation and the payment agency server 400.

Here, the user information may include at least one of a division of an account for confirming whether an account used for a transaction is for an individual or a corporation, mobile phone information of a user using the present invention, and a date of birth for confirming the user. At this time, in the case of the above-mentioned mobile phone information of the person in charge, corporate business number, and corporate account, the transaction performed by the user is essentially information that must be included in the case of a transaction using a corporate account.

The server 100 receives payment request and user information from the merchant server 300, and performs payment representative authentication. At this time, the server 100 may directly receive user information from the user terminal 200 according to the implementation method of the system 1.

To this end, the authentication number is generated and the predetermined amount is transferred to the corporate account included in the user information through the name of the depositor including the generated authentication number.

When the authentication number is received from the user terminal 200, it is determined whether the corresponding authentication number is valid, and the user terminal 200 performs a mobile phone authentication operation for the withdrawal consent of the person in charge to proceed with the account transfer.

The user terminal 200 is a terminal provided with a simple payment service for a corporate account, and generates user information including a payment request and a corporate account based on the interface provided from the server 100 and transmits it to the merchant server 300. .

Next, in order to prove that the user has access to the corporate account from the server 100, the authentication number is checked from the name of the depositor included in the transaction details of the corporate account. The server 100 can complete the transaction by performing an authentication number and a mobile phone authentication operation.

At this time, the application for providing a simple payment service for a corporate account may be an application embedded in the user terminal 200 or an application downloaded from the application distribution server and installed in the user terminal 200.

The user terminals 200 refer to a communication terminal capable of using a terminal application in a wired / wireless communication environment. Here, the user terminal 200 may be a user's portable terminal. In FIG. 1, although the user terminal 200 is illustrated as a smart phone, which is a type of portable terminal, the spirit of the present invention is not limited thereto, and as described above, there is no restriction on a terminal capable of mounting a terminal application. Can be borrowed.

In more detail, the user terminal 200 may include a handheld computing device (eg, PDA, email client, etc.), any form of mobile phone, or any form of other type of computing or communication platform. However, the present invention is not limited to this.

The affiliate server 300 may mean an external server that provides a simple payment service for a corporate account to the user terminal 200 through partnership with the server 100. When the user terminal 200 requests a transaction through the affiliate server 300 for the first time, the affiliate server 300 transmits the payment request and user information received through the user terminal 200 to the server 100.

The payment agency server 400 relays the server 100 and the bank in cooperation with the server 100 and the server owned by the bank, so that transactions can be conducted online. That is, it may mean an external server that receives withdrawal requests and results to the bank.

Meanwhile, the communication network serves to connect the server 100, the user terminal 200, the merchant server 300, and the payment agency server 400. That is, the communication network means a communication network that provides a connection path so that the user terminal 200 or the server 100, the merchant server 300, and the payment agency server 400 can connect to each other's servers and transmit and receive data. . Communication networks include, for example, wired networks such as Local Area Networks (LANs), Wide Area Networks (WANs), Metropolitan Area Networks (MANs), and Integrated Service Digital Networks (ISDNs), and wireless networks such as wireless LANs, CDMA, Bluetooth, and satellite communications. However, the scope of the present invention is not limited thereto.

2 is a diagram showing the configuration of a server providing a simple payment service for a corporate account according to an embodiment of the present invention.

Referring to FIG. 2, the server 100 that provides a simple payment service for a corporate account includes a communication module 110, a memory 120, a processor 130, and a database 140.

In detail, the communication module 110 is provided in the form of packet data to transmit and receive signals between the server 100, an external server (a merchant server 200 and a payment agent server 400), and a user terminal 200 in cooperation with a communication network. It provides the necessary communication interface. Furthermore, the communication module 110 may perform a role of receiving a data request from the user terminal 200 and transmitting data in response thereto.

Here, the communication module 110 may be a device including hardware and software necessary for transmitting and receiving a signal such as a control signal or a data signal through a wired or wireless connection with another network device.

In the memory 120, a program for providing a simple payment service for a corporate account is recorded. In addition, it performs a function of temporarily or permanently storing data processed by the processor 130. Here, the memory 120 may include a magnetic storage media or a flash storage media, but the scope of the present invention is not limited thereto.

The processor 130 controls a whole process of providing a simple payment service for a corporate account as a central processing unit. Each step performed by the processor 130 will be described later with reference to FIG. 3.

Here, the processor 130 may include all kinds of devices capable of processing data, such as a processor. Here, a 'processor' may mean a data processing device embedded in hardware having physically structured circuits, for example, to perform functions represented by codes or instructions included in a program. As an example of such a data processing device embedded in hardware, a microprocessor, a central processing unit (CPU), a processor core, a multiprocessor, and an application-specific integrated ASIC circuit), a field programmable gate array (FPGA), and the like, but the scope of the present invention is not limited thereto.

The database 140 may store user information received from the merchant server 300 or the user terminal 200.

In a further embodiment, the user information stored in the database 140 may be used so that the transaction can proceed quickly when the user performs a transaction through the same account again.

Although not shown in FIG. 2, some of the user information may be stored in a database (not shown) physically or conceptually separated from the database 140.

3 is an operation flow diagram showing a method of providing a simple payment service for a corporate account performed by the server 100 according to an embodiment of the present invention.

Referring to FIG. 3, a step for providing a simple payment service for a corporate account by the server 100 is performed by first receiving payment request and user information from the merchant server 300 and performing payment person authentication (S310).

The server 100 generates an authentication number, and transfers a predetermined amount to a corporate account through the name of the depositor including the authentication number (S320).

Step S320 is for the server 100 to check whether the owner of the user terminal 200 has access to the corporate account.

If the owner of the user terminal 200 has access to the corporate account, it is a method that devised a part that the transaction history in the corporate account can be checked.

That is, the server 100 generates an authentication number in real time to confirm that the user of the current user terminal 200 has access to a corporate account, and generates a depositor name based on the authentication number.

If a small amount of money set in advance as the name of the created depositor is transferred to the corporate account, the owner of the user terminal 200 checks the authentication number in the transaction details of the corporate account and indicates that he / she has the authority to access the corporate account. It is to authenticate with (100).

At this time, when payment authentication is started in step S310, an authentication number is randomly generated according to a preset algorithm, and a depositor name is generated based on the authentication number. Is generated through.

In addition, in the case of the preset text, when the user searches the transaction history of the corporate account, a combination of letters that the user can recognize in advance is used to easily find the name of the depositor, but it must be generated to distinguish the authentication number.

For example, if the preset character is Payple and the randomly generated authentication number is 1234, the name of the depositor is Payple1234.

In addition, in step S320, the amount of money transferred by the server 100 to the corporate account may be variously applied, but in the present invention, it is recommended to set less than 10 won.

In a further embodiment, if the paid profit model is implemented by the present invention, the server 100 generates unique identification information through a user (or user terminal 200) or a corporate account, and the mileage point that is a paid model for the identification information The method of reducing the mileage points by the amount deducted when the transaction is performed may be applied.

Upon completion of step S320, the user terminal 200 requests an authentication number for payment authentication (S330).

At the same time, a message that guides the user terminal 200 to check the authentication number from the depositor's name can be transmitted together.

For example, if the name of the payer 1234 is used, as the user terminal 200 is shown as an example in FIG. 5B, 'Please check the deposit history of the entered corporate account. Please enter the 4 digit number after the depositor name (Payle) '.

When an authentication number is received from the user terminal 200, the received authentication number and the authentication number including the name of the depositor are compared (S340).

At this time, if an incorrect authentication number is received from the user terminal 200, the process returns to step S330 and the user terminal 200 may request re-entry of the authentication number a predetermined number of times.

If the authentication number received from the user terminal 200 is incorrect for a predetermined number of times, or if the authentication number is not received within a preset time, payment authentication may be stopped.

Finally, according to the comparison result of the authentication number, the user terminal 200 performs a mobile phone authentication operation for the withdrawal consent of the person in charge, and performs account transfer through the payment agent server 400 (S350).

At this time, as an additional embodiment, if the account transfer is a personal transaction, the step S310 is skipped and the mobile phone authentication is performed immediately, and the account transfer is performed through the payment agent server 400.

As an additional embodiment after step S350, if the account transfer is successfully performed, the result of the account transfer may be transmitted to the user terminal 200 to inform.

At this time, if the account transfer is a corporate transaction, the person in charge of the corporate account can forward the result of the transaction to the registered company e-mail, and the person in charge of the company can confirm it or leave a record.

4 is a flowchart illustrating a method of providing a simple payment service for a corporate account performed by a user terminal according to an embodiment of the present invention.

Referring to FIG. 4, a method of receiving a simple payment service of a corporate account by the user terminal 200 first inputs user information and requests payment (S410).

In step S410, the user terminal 200 is provided with an interface as shown in FIG. 5A from the server 100.

The interface is for receiving user information from the user. For example, 'division' is an option to check whether the transaction is a corporate transaction or an individual transaction. 'Name and date of birth' is the information received to authenticate the user.

The 'enterprise business number and corporate account number' activates the user input interface only when the transaction is a corporate transaction, and deactivates personal transactions to block unnecessary input.

Next, the payment authentication request is responded to from the authentication number including the name of the depositor (S420).

This will request authentication from the user as shown in the interface shown in FIG. 5B.

At this time, in order to allow the user to easily verify the authentication number, a method for confirming the authentication number from the transferred amount (1 won in FIG. 5B) and the name of the depositor is presented.

After performing the mobile phone authentication operation requested from the server 100, payment is finished (S430).

If it is confirmed through step S430 that the user has access to the corporate account, the mobile phone authentication for secure payment is performed once more, and the user terminal 200 may be provided with an interface as shown in FIG. 5C. .

In the case of a mobile phone authentication method, a message including an authentication number from the server 100 or the payment agency server 400 to the user terminal 200 or a telephone number is provided directly to the user terminal 200 as a method of informing the authentication number. Is provided.

For example, in the case of the interface shown in FIG. 5C, when a phone call is input, a telephone call informing the user terminal 200 of the authentication process is performed. It will be done.

If the authentication number is successfully entered, as in the interface shown in FIG. 5D, the payment is finally asked and the payment is completed.

When the transaction is finally completed, the server 100 may additionally provide an interface such as 5e to the user terminal 200. This is an example of a separate interface for providing the result of the transaction to the user terminal 200 or the email side of the company as described above.

5A to 5E are diagrams illustrating an example of an interface using a simple payment service for a corporate account according to an embodiment of the present invention.

One embodiment of the present invention may also be implemented in the form of a recording medium including instructions executable by a computer, such as program modules, being executed by a computer. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, computer readable media may include computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

Although the methods and systems of the present invention have been described in connection with specific embodiments, some or all of their components or operations may be implemented using a computer system having a general purpose hardware architecture.

The above description of the present invention is for illustration only, and a person having ordinary knowledge in the technical field to which the present invention pertains can understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is indicated by the following claims rather than the above detailed description, and it should be interpreted that all changes or modified forms derived from the meaning and scope of the claims and equivalent concepts thereof are included in the scope of the present invention. do.

1: A system that provides a simple payment service for corporate accounts
100: server 200: user terminal
300: Merchant server 400: Payment server

Claims (13)

In the method of providing a simple payment service of a corporate account, performed by a server,
(a) receiving user information including a payment request and a corporate account from a merchant server and performing a payment person authentication step;
(b) generating an authentication number for payment authentication, and transferring a predetermined amount to the corporate account through the name of the depositor including the authentication number;
(c) requesting the authentication number for the payment authentication from the user terminal; And
(d) Upon receiving the authentication number from the user terminal, after determining whether it matches the authentication number sent in step (c), perform a mobile phone authentication operation for the withdrawal consent of the person in charge with the user terminal, and then make an account through the payment agency server. Proceeding with the transfer;
How to provide a simple payment service of a corporate account, including, wherein the affiliate server receives a payment request to the user terminal in cooperation with the server, and the payment agent server receives a withdrawal request and results to the bank . According to claim 1,
The user information includes at least one of the division of the account, the name of the person in charge, and the date of birth of the person in charge, and includes the person's mobile phone information, the corporate business number, and the corporate account. According to claim 1,
If the account transfer is the personal transaction, a method for providing a simple payment service for a corporate account, which performs the mobile phone authentication operation after the step (a) and performs the step (d). According to claim 1,
The user information further comprises a function of receiving directly to the user terminal, a method for providing a simple payment service for a corporate account. According to claim 1,
Step (b) is
When the payment authentication is performed, the name of the depositor is generated based on the authentication number randomly generated according to a preset algorithm, but the name of the depositor is generated by combining the preset character and the authentication number, which is convenient for a corporate account. How to provide payment services. According to claim 1,
The predetermined amount of money will be less than 10 won, a method for providing a simple payment service of a corporate account. According to claim 1,
Step (c) is
When receiving the wrong authentication number, the user terminal requests the re-entry of the authentication number a predetermined number of times,
A method of providing a simple payment service for a corporate account, when the input of the authentication number is incorrect for a predetermined number of times, or if the authentication number is not received within a preset time, the payment authentication is stopped. The method of claim 7,
A method of providing a simple payment service for a corporate account, which provides a message to guide the user terminal to confirm the authentication number from the depositor name. According to claim 1,
After step (d)
When the account transfer is successfully performed, the result of transferring the account is transferred to the user terminal, a method for providing a simple payment service for a corporate account. The method of claim 9,
If the transfer of the account is a corporate transaction, the method of providing a simple payment service for a corporate account, in which the person in charge of the corporate account transfers the result to a registered company email. According to claim 1,
Step (a) is
A method of providing a simple payment service for a corporate account, wherein the user additionally provides a function to search the name of the corporate account to check whether the account is correct. In the apparatus for providing a simple payment service of a corporate account,
A memory that stores a program that receives a payment request and user information from an affiliate store server and provides a method for providing a simple payment service for a corporate account
It includes a processor that provides a method for providing a simple payment service of the corporate account by executing a program stored in the memory,
The processor receives user information including a payment request and a corporate account from a merchant server, generates an authentication number for payment authentication, and transfers a predetermined amount to the account number through a depositor name including the authentication number. When requesting the authentication number for the payment authentication from the user terminal, and receiving the authentication number from the user terminal, perform an ARS withdrawal agreement for the withdrawal consent of the person in charge to the user terminal and transfer the account through the payment agent server Proceeding, the affiliate server receives a payment request to the user terminal in cooperation with the server, the payment server is a device that provides a simple payment service of a corporate account receiving a withdrawal request and results to the bank. A computer readable recording medium in which a program for performing a method for providing a simple payment service for a corporate account according to any one of claims 1 to 11 is recorded.

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