WO2016167534A1 - Procédé et appareil permettant le traitement intégré de services de paiement électronique hétérogènes - Google Patents

Procédé et appareil permettant le traitement intégré de services de paiement électronique hétérogènes Download PDF

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Publication number
WO2016167534A1
WO2016167534A1 PCT/KR2016/003828 KR2016003828W WO2016167534A1 WO 2016167534 A1 WO2016167534 A1 WO 2016167534A1 KR 2016003828 W KR2016003828 W KR 2016003828W WO 2016167534 A1 WO2016167534 A1 WO 2016167534A1
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WIPO (PCT)
Prior art keywords
payment
information
buyer
service
integrated service
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PCT/KR2016/003828
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English (en)
Korean (ko)
Inventor
장길훈
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장길훈
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Publication date
Priority claimed from KR1020150156963A external-priority patent/KR101869822B1/ko
Application filed by 장길훈 filed Critical 장길훈
Publication of WO2016167534A1 publication Critical patent/WO2016167534A1/fr

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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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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

Definitions

  • the present invention relates to a method and apparatus for integrating and processing payments of buyers using different electronic payment services in the same store.
  • An object of the present invention is to provide a method and apparatus for enabling payment using an electronic payment service.
  • the present invention even if all of the plurality of buyers use the electronic payment service supported by the retailer, even if the information and communication device possessed by some buyers does not have an interface function with a device for confirming the payment intention installed in the retailer, It is intended to provide a method and apparatus for allowing some buyers to make payments using their electronic payment services.
  • an integrated service server forming a buyer group forming a buyer group by connecting at least two of the buyers connected to the integrated service server; Receiving order information for receiving goods or service order information for at least one store of the members of the buyer group, receiving payment information for receiving payment information related to a payment service selected by the members of the buyer group, receiving from an unsupported buyer A payment information conversion step of converting the unsupported payment information to the supported payment information, a payment intention confirmation step of receiving payment intention confirmation information generated by one or more representative buyers of the buyer group, and an order included in the order information Billing information for delivering payment information Including the delivery step, wherein the unsupported buyer is a buyer of the member of the buyer group selected an unsupported payment service, which is an electronic payment service that the retailer does not support, the unsupported payment information in the unsupported payment service of the received payment information Payment information used for payment, and the support payment information is payment information used in a support payment service, which is an electronic payment
  • the order information sharing step of sharing the received order information to all the members of the buyer organization in real time the order information confirmation step of confirming the order information of the members of the buyer organization and members of the buyer organization
  • a single order generation step of generating single order information by using the determined order information and transmitting the single order information to a store device using a store that sells the goods or services.
  • Single order information includes the representative buyer information, characterized in that the retailer can perform the payment using the transferred single order information.
  • the step of converting the payment information may include performing a first payment by the integrated service server with the unsupported buyer, and recognizing a third party that the supported payment service server may recognize as a member of the buyer organization instead of the unsupported buyer. It is characterized by setting to.
  • the step of converting payment information may allow the integrated service server to perform payment on behalf of the unsupported buyer by a contractual relationship with the retailer.
  • the step of converting payment information may allow the integrated service server to directly connect with a payment institution connected to the retailer to perform payment on behalf of the unsupported buyer.
  • the payment intention confirmation information is characterized in that the arrival information indicating the fact that the representative buyer has arrived at a certain distance range from the store.
  • An embodiment of the present invention is characterized in that the arrival information is received by the integrated service server from the information communication device or the retailer device possessed by the representative buyer recognizing the distance information of the representative buyer.
  • An embodiment of the present invention is characterized in that some or all of the members of the buyer group are buyers designated by a particular buyer.
  • One embodiment of the present invention is characterized in that some or all of the members of the buyer group has a history of using the integrated service together for the same store.
  • One embodiment of the present invention is characterized in that some or all of the members of the buyer organization is a member of a specific service provider rather than the integrated service.
  • One embodiment of the present invention is characterized in that the payment information is received included in the order information.
  • the order information in the order information receiving step, the payment information in the payment information receiving step, and the payment intention confirmation information in the payment intention confirmation step are received from the retailer device. do.
  • an integrated service server may include forming at least two buyers connected to the integrated service server to form a buyer group.
  • Receiving payment information step A first payment step of performing a payment through a supported payment service between the original buyer and the integrated service server, a second payment step of performing a payment through a non-supported payment service between the unsupported buyer and the integrated service server, A payment intention confirmation step of receiving payment intention confirmation information generated by one or more representative buyers of a member, and a third payment in which payment through the support payment service is performed between the integrated service server and a
  • an integrated service server in the integrated service method for integrating payment of a plurality of buyers, at least one buyer group forming step of connecting at least two buyers connected to the integrated service server to form a buyer group; Receiving at least one of order information or payment processing result of goods or services ordered by members of the buyer organization from the electronic payment service server of the; payment confirmation information generated by one or more representative buyers of the members of the buyer organization A payment intention confirmation step of receiving a; transmitting at least one of the received order information or the received payment processing result to a retailer device using a retailer that sells the goods or services, and a server of an electronic payment service that the retailer supports Complete payment to forward payment information to And a payment step, wherein the payment intention confirmation information is information for confirming payment intentions of all members of the buyer group, and the retailer device through tagging of an information and communication device possessed by a representative buyer of one of the members of the buyer group. It is characterized in that the information received.
  • the integrated service server receives at least one of order information or payment processing results for goods or services ordered by members of the buyer organization from a plurality of electronic payment service servers, and the plurality of electronic payment services.
  • the server is characterized in that the server operating in different electronic payment services.
  • the integrated service server may include at least one of order information or payment processing information for goods or services ordered by members of the buyer organization from a single electronic payment service server or a plurality of servers providing the same electronic payment service. It is characterized by receiving one.
  • an integrated service server forming a buyer group forming a buyer group by connecting at least two of the buyers connected to the integrated service server; Receiving order information for receiving goods or service order information for at least one store of the members of the buyer group; receiving payment information for receiving payment information related to a payment service selected by the members of the buyer group; Payment information delivery step for delivering the payment information for the included order, wherein the product or service order information is integrated from the retailer device when the payment intention confirmation information from one of the member of the buyer group is delivered to the retailer device Information received by the service server, The payment intention confirmation information is information for confirming the payment intention of all members of the buyer group, and is information received by the retailer device through tagging of an information and communication device possessed by one of the members of the buyer group. It is done.
  • the embodiment of the present invention is characterized in that the product or service order information is input information for each buyer without passing through the information communication device of the buyer to the retailer device.
  • the product or service order information input to the retailer device is input for each buyer using a buyer identifier, and the buyer identifier is part of the buyer's personal information or is generated when the buyer group is formed. It is characterized in that the temporary identifier for each buyer.
  • An embodiment of the present invention is an integrated service server that provides an integrated service for integrating payment of a plurality of buyers, a communication unit which exchanges information with a device external to the integrated service server, and a buyer using the integrated service provides goods or services.
  • a payment service determination unit for determining whether a store to be purchased supports an electronic payment service used by the buyer, a storage unit for storing information generated or necessary in providing the integrated service, and a buyer using the integrated service
  • ordering through the integrated service server comprises an order information processing unit for processing the order, and a control unit for interworking and controlling the communication unit, storage unit, payment service determination unit and order information processing unit, the order information processing unit
  • the store generates the group information through the communication unit Transmission, and wherein receiving the payment confirmation the doctor about all the buyers from representatives of the buyer 1 buyer organizations belonging to the buyer.
  • the integrated service server when the electronic payment service used by the buyer using the integrated service is an electronic payment service not supported by the store where the buyer wants to purchase a product or service, the integrated service server provides the integrated service.
  • a purchase agent processing unit for performing the order and payment of the goods or services to the buyer in the manner of purchasing by using the name of the company to further comprising,
  • the order information processing unit from one or more representative buyers of the plurality of buyers It is determined whether the payment intention confirmation information is received, and when the payment intention confirmation information is received, the product or service details ordered by the plurality of buyers may be transmitted to a retailer device through the communication unit.
  • the present invention has the effect of enabling payment at the retailer even when some of the plurality of buyers who purchase goods or services together at the same retailer do not use the electronic payment service supported by the retailer.
  • an information communication device such as a smart phone possessed by some of the plurality of buyers who purchase goods or services together at the same store cannot use an electronic payment interface device installed at the store, payment can be made at the store. It's effective.
  • FIG. 1 is a flowchart showing an integrated service method according to an embodiment of the present invention.
  • FIG. 2 is a flowchart illustrating an integrated service method according to an embodiment of the present invention.
  • FIG. 3 is a flowchart illustrating an integrated service method according to an embodiment of the present invention.
  • FIG. 4 is a flowchart illustrating an integrated service method according to an embodiment of the present invention.
  • FIG. 5 is a flowchart illustrating an integrated service method according to an embodiment of the present invention.
  • FIG. 6 is a flowchart illustrating an integrated service method according to an embodiment of the present invention.
  • FIG. 1 is a flowchart showing an integrated service method according to an embodiment of the present invention.
  • a plurality of buyers order a product or service to a store through an application program (hereinafter referred to as an integrated service app) that provides an integrated payment service installed in an information and communication device such as a smart phone owned by a plurality of buyers
  • the plurality of buyers use the electronic payment service (hereinafter referred to as 'support payment service') supported by the store (hereinafter referred to as 'support buyer') and the electronic payment not supported by the store.
  • a buyer including a service hereinafter referred to as an ⁇ unsupported payment service ''
  • the payment service is not limited to a service for performing payment processing alone, but refers to a service for processing at least a part of the entire process from purchaser's order to payment by a subject other than the retailer.
  • a support purchaser and a non-support purchaser who want to purchase a product or a service at a specific retailer each log in after executing an integrated service app installed in their information and communication devices 1000 and 2000.
  • Login information of the support purchaser and the non-support purchaser is transmitted to the integrated service server 4000, and the integrated service server 4000 uses the received login information to form a buyer group whose members are the buyers of the support buyer and the non-supported buyer.
  • Create The login information may include various types of information such as the type of electronic payment service used by each buyer, a purchase history, and the buyer group may be configured such that some or all of its members are buyers designated by a particular buyer.
  • some or all of the members of the buyer organization may be people who used the integrated service together for the same store.
  • some or all of the members of the buyer organization may be people who subscribe as members to a specific service provider.
  • the integrated service server 4000 receives order information of each of the supported buyer and the non-supported buyer from the information communication device 1000 of the support buyer and the information communication device 2000 of the unsupported buyer.
  • the received order information may include information such as the type and quantity of goods or services selected by each buyer.
  • the contents may be shared with all members of the buyer organization. This allows each member of the buyer's organization to make changes to the order with reference to the other member's order information.
  • the order contents may be shared in real time or may be made according to a predetermined condition set in advance.
  • the integrated service server 4000 confirms the members of the buyer organization and the order information of each member to finally make a purchase, and generates a single order using the order information of each buyer.
  • the single order is a collection of orders from several buyers so that the retailer can process the contents of the order at a time, and how the information itself is specifically configured may be determined differently depending on the order processing method of the retailer.
  • the integrated service server 4000 receives payment information from each member of the buyer organization.
  • the received payment information may include the type of electronic payment service selected by each buyer, authentication information, and the like.
  • the received payment information may be included in the order information and received.
  • the integrated service server 4000 extracts the unsupported buyer from the payment information received from the buyer or the login information of the buyer, and sells the goods or services ordered by the unsupported buyer instead of the original distributor for the unsupported buyer.
  • the payment information of the unsupported buyer is converted into payment information that can be processed by the supported payment service.
  • the buyer's organization replaces the unsupported buyer with an integrated service provider.
  • the integrated service server 4000 transmits a single order to the store device and the payment information is supported by the support payment service server 5000. To be sent).
  • the payment intention confirmation information may be transmitted from the information communication device possessed by the representative buyer or transmitted from the retailer device 3000.
  • the payment intention confirmation information may be arrival information indicating that the representative buyer arrives directly at the shop floor, and the arrival information indicates that the representative buyer arrives at the information communication device or the store device 3000 of the representative buyer. It is also possible to generate by recognizing. In this way, even unsupported buyers' orders can be paid through the support payment service together with the support buyer's orders.
  • the unsupported buyer may choose to entrust the payment to other buyers using the support payment service belonging to the same buyer organization instead of using the unsupported payment service as a payment method through the integrated service app.
  • the integrated service server processes the goods or services ordered by the unsupported buyer as the order details of the support buyer who has been entrusted with the payment.
  • FIG. 2 is a flowchart showing an integrated service method according to another embodiment of the present invention.
  • the embodiment illustrated in FIG. 2 is different from the embodiment illustrated in FIG. 1 in that orders and payments for goods or services are performed for an integrated service company that is not only a non-supported buyer but also a support buyer and a retailer, and is supported by the integrated service company.
  • the integrated service provider acts as a retailer for both supported and unsupported buyers. Therefore, in this embodiment, unlike the embodiment illustrated in FIG. 1, the integrated service server 4000 makes a payment request by transmitting the payment information received from the support buyer to the support payment service server 5000, and then supports the payment service server 5000. A payment step of receiving payment approval from the.
  • the retailer transmits the corresponding payment information to the support payment service server 5000.
  • the payment service server 5000 includes a payment step of approving the payment.
  • FIG. 3 is a flowchart illustrating an integrated service method according to another embodiment of the present invention.
  • FIG. 3 illustrates an embodiment in which the integrated service server 4000 does not directly receive order information and payment information from buyers. That is, in the embodiment shown in FIG. 3, it is assumed that the integrated service app does not support the order function but only the payment function.
  • the order information and payment information of each buyer is directly transmitted to the electronic payment service server used by each buyer rather than the integrated service server, and each electronic payment service server 5000 and 6000 receives the received order information and payment information. After the payment is processed using the resulting information is transmitted to the integrated service server 4000.
  • the store device 3000 transmits the payment intention confirmation information back to the integrated service server 4000 and the payment intention confirmation information.
  • the integrated service server 4000 receiving the payment transmits the order information of each buyer and the information that the payment for the corresponding order is approved to the retailer device 3000 to complete the payment.
  • the payment intention confirmation information may be transmitted by tagging using the NFC function mounted on the information communication device possessed by the representative buyer.
  • a bar code or a QR code may be displayed on the screen of the information communication device, and the information may be transmitted by using a reader installed at a store.
  • the method of the present invention is limited by the method. no.
  • the buyers use the electronic payment service not supported by the retailer, as well as some buyers use the electronic payment service supported by the retailer, but some information and communication devices of the buyers pay at the retailer. It may be applied even when the doctor does not have the function of confirming the intention. That is, the first payment service and the second payment service may be the same payment service. This includes buyers with information and communication devices that do not have the ability for unsupported buyers to confirm their intention at the retailer.
  • FIG. 4 is a flowchart illustrating an integrated service method according to another embodiment of the present invention.
  • the embodiment shown in FIG. 4 assumes a situation in which the salesperson inputs the order details into the retailer device 3000 when the supporting buyer and the non-supporting buyer order the salesperson directly at the retailer.
  • the order information and payment information determined offline are directly input to the retailer device 3000, and the input order information and payment information are transmitted from the retailer device to the integrated service server.
  • the order information and payment information may be integrated and transmitted at once or individually.
  • the integrated service server 4000 may store the goods or services ordered by the unsupported buyers for the goods or services ordered by the unsupported buyers as shown in FIG. Instead, the integrated service company handles the sale instead, and converts the payment information of the unsupported buyer into payment information that can be processed by the supported payment service. The buyer's organization replaces the unsupported buyer with an integrated service provider.
  • the processing of the order is completed to the unsupported buyer, and the representative buyer as the supported buyer delivers the payment intention confirmation information to the retailer device 3000 using NFC-based tagging or a barcode method.
  • the payment intention confirmation information may be transmitted to the integrated service server 4000 before the start of processing of the order of the unsupported buyer.
  • the payment service server 5000 grants the payment to complete the payment for all the buyers.
  • FIG. 5 is a flowchart showing an integrated service method according to another embodiment of the present invention.
  • the embodiment shown in FIG. 5 assumes a situation in which a plurality of buyers order the salesperson directly from the retailer together to input the order details into the retailer device 3000.
  • an order history entry action is not a shopper, such as sitting at a restaurant or cafe, placing an order to a cashier or passing the purchase information to a cashier at the cash register at a store such as a convenience store. Or any manner carried out directly by the employee).
  • the order information (or purchase information) and payment information determined offline are directly input to the retailer device 3000, and the input order information (or purchase information) and payment information are transferred from the retailer device to the integrated service server. Is sent.
  • the clerk may input order information (or purchase information) and payment information for each buyer to the retailer device 3000 by using the buyer identifier.
  • the buyer identifier may be part of the buyer's personal information, or may be a temporary identifier for each buyer created with the formation of a buyer group.
  • the input order information (or purchase information) may be transmitted to the integrated service server by one of the purchasers confirming the payment intention.
  • the order information (or purchase information) and payment information may be integrated and transmitted at once or individually.
  • the first payment service and the second payment service may be the same payment service or different payment services.
  • the type of payment service is not limited to the first payment service and the second payment service, but more types of payment services may be added.
  • the payment result processed by the first payment service server 5100 and the second payment service server 6100 is delivered to the retailer device 3000 through the integrated service server 4000, and the payment result for each buyer is integrated service server ( It is also possible to be delivered to the store device 3000 as it is delivered to 4000, and wait until all the buyer's payment results are delivered to the integrated service server 4000, and then all the payment results are sent to the store device 3000 at once. It is also possible to deliver.
  • the integrated service server 4000 may analyze the received order information (or purchase information) and payment information, and transfer the corresponding order information (or purchase information) and payment information to the payment service server used by each buyer.
  • Confirmation of payment intention performed by one of the buyers may be performed by using NFC-based tagging or a barcode method using the information communication device of the buyer.
  • the payment intention confirmation information may be transmitted to the integrated service server 4000 or may not be transmitted. That is, finally, the responsibility for confirming the payment intention of all the buyers may be placed in the store device 3000 or in the integrated service server 4000. However, the responsibility for confirming the payment will not be limited to the retailer device 3000 or the integrated service server 4000, and modifications can be made without departing from the spirit of the present invention.
  • the integrated service server 4000 generates a buyer group after receiving the login information of the buyer, but the buyer group is formed after receiving the order information or the payment information. It is also possible. As such, each step of constituting the invention may be connected in various orders without departing from the object of the invention.
  • FIG. 6 is a flowchart showing an integrated service method according to another embodiment of the present invention.
  • the integrated service server 4000 transmits the group purchaser information to the seller device 3000 in response to receiving the intention of confirming the payment of the representative buyer from the store device 3000. .
  • the retailer device 3000 may integrate the service. Send to server 4000.
  • the integrated service server 4000 transmits the group buyer information to the seller device 3000 in response to the received payment confirmation intention, wherein the group buyer information includes buyer identification information of all buyers belonging to the buyer group.
  • the store clerk After confirming the payment intention of the representative buyer, when the individual buyers place their orders offline at the store (or pass the purchase information), the store clerk identifies the buyer identification information of the individual buyer and the buyer identification information received from the integrated service server 4000. In order to prepare for the buyers input the goods to the retailer device 3000. The remaining steps are the same as those of the embodiment shown in FIG. 5.
  • FIG. 7 is a block diagram showing the configuration of the integrated service server according to an embodiment of the present invention, the control unit 100, the communication unit 200, payment service determination unit 300, storage unit 400, order information processing unit 500 It is configured to include, and may further include a purchasing agent processing unit 600.
  • the communication unit 200 communicates with an integrated service server and an external device such as an information communication device of a purchaser.
  • the payment service determiner 300 determines whether a store using the integrated service to purchase a product or service supports an electronic payment service used by the buyer.
  • the storage unit 400 stores information such as membership registration information of buyers using the integrated service, types of electronic payment services used, and the like.
  • the order information processing unit 500 processes the order when the buyer using the integrated service orders through the integrated service server using the integrated service app. For example, order information received through the buyer's information communication device is shared by other buyers who are members of the buyer organization, or a single order is generated using the received order information.
  • the order information processing unit 500 may also receive order information transmitted from the retailer's store device 3000, not the buyer's information communication device, and transmit the order information of each buyer to the electronic payment service server used by each buyer.
  • the purchasing agency processing unit 600 performs an operation of ordering and paying for the goods or services ordered by the non-supporting buyers by using the name of the integrated service provider for the orders of the unsupporting buyers.
  • the device may include a processor, a memory for storing and executing program data, a permanent storage unit, a communication port for communicating with an external device, a touch panel, a user interface device such as a key, and the like.
  • Methods implemented by software modules or algorithms may be stored on a computer readable recording medium as computer readable codes or program instructions executable on the processor.
  • the computer readable recording medium can be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.
  • the invention can be represented by functional block configurations and various processing steps. Such functional blocks may be implemented in various numbers of hardware or / and software configurations that perform particular functions. Similar to the components in the present invention may be implemented in software programming or software elements, the present invention includes various algorithms implemented in data structures, processes, routines or other combinations of programming constructs, including C, C ++ It may be implemented in a programming or scripting language such as Java, an assembler, or the like. The functional aspects may be implemented with an algorithm running on one or more processors. In addition, the present invention may employ the prior art for electronic environment setting, signal processing, and / or data processing. Terms such as mechanism, element, means, configuration can be used broadly and are not limited to mechanical and physical configurations. The term may include the meaning of a series of routines of software in conjunction with a processor or the like.
  • connection or connection members of the lines between the components shown in the drawings by way of example shows a functional connection and / or physical or circuit connections, in the actual device replaceable or additional various functional connections, physical It may be represented as a connection, or circuit connections.
  • connection, or circuit connections if there is no specific reference such as essential, important, etc. may not be a necessary component for the application of the present invention.

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Abstract

La présente invention concerne un procédé et un appareil de service intégré au moyen desquels, lorsqu'une pluralité d'acheteurs souhaitent acheter des produits ou services dans le même magasin, un paiement est activé dans le magasin, même si certains acheteurs utilisent un service de paiement électronique qui n'est pas pris en charge par le magasin ou si des dispositifs de communication d'informations tenus par certains acheteurs n'ont pas une fonction pour servir d'interface avec un dispositif pour une confirmation d'intention de paiement installée dans le magasin. Le procédé et l'appareil forment un groupe d'acheteurs, dont les membres sont la pluralité d'acheteurs, sur un serveur de service intégré ; et traitent et achèvent le paiement pour les contenus de commandes de tous les acheteurs lorsqu'un acheteur représentatif sélectionné parmi les acheteurs utilisant un service de paiement électronique pris en charge par le magasin confirme l'intention de paiement.
PCT/KR2016/003828 2015-04-13 2016-04-12 Procédé et appareil permettant le traitement intégré de services de paiement électronique hétérogènes WO2016167534A1 (fr)

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KR20150052033 2015-04-13
KR10-2015-0052033 2015-04-13
KR10-2015-0156963 2015-11-09
KR1020150156963A KR101869822B1 (ko) 2015-04-13 2015-11-09 이종 전자결제서비스 통합 처리 방법 및 장치

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