KR100736856B1 - System and method for payment sharing - Google Patents

Abstract

A system and a method for processing shared payment are provided to conveniently/quickly process the payment shared among a plurality of users in a shop by enabling the users to respectively pay a shared charge with mobile terminals through the network. A registering part assigns ID data to registered member shops and the users(40,50,50'). An approving part performs an approving procedure by receiving a total amount to be paid to the member shop and the ID data from each user joined in the shared payment. A payment processing part processes the shared payment by receiving a payment request from each user. The total amount and the ID data are transmitted through a shared payment terminal(20) connected to a shared payment processing system(10). The shared payment terminal is a mobile phone and a VoIP(Voice of Internet Protocol) phone.

Description

Co-sharing payment system and method {System and method for payment sharing}

1 is a configuration and processing flow diagram of a system according to the present invention.

FIG. 2A is a detailed configuration diagram of each component of FIG. 1. FIG.

Figure 2b is a block diagram of a shared copayment payment module 21 which is a program installed in the payment terminal 20.

2C is a block diagram of a co-payment module 41 installed in each mobile phone terminal 40, 50 of each sharer.

3 is a process flow diagram of a first embodiment of the method according to the invention.

4 is a process flow diagram of a first embodiment of the method according to the invention.

5 is a process flow diagram of a first embodiment of the method according to the invention.

The present invention relates to a payment system using a computer, a mobile phone, the Internet, software technology. More specifically, the present invention relates to a processing system and a method in which a plurality of people share a cost using a mobile phone terminal when using a product (goods) sales store or a service (service) business and paying a price. will be.

When a person receives a good or service and pays for it, a large number of people share the payment, which is a social phenomenon that exists naturally in the offline world (aka Dutch Pay). Prior arts similar to the application of this co-payment concept online, such as the Internet or mobile communication networks, are disclosed.

However, most of the prior arts focus on joint purchase, which is not to apply Dutch PayPie offline, but to lower the price by purchasing a large number of buyers and supplying goods or services. There has been no attempt to apply online to the shared contributions mentioned above. Such a joint purchase method relates to a method in which a group of people who have a desire to purchase a particular identical product gather together to make a joint purchase by increasing a discount rate or purchase a product directly from a joint purchase site. In order to take a long time and when a large number of people are located far away, it is not easy to pay and there is a problem in selecting a kind of goods.

However, according to the present invention, a plurality of people can virtually gather together in one place on the network to select and share the goods, thereby eliminating the problems of saving time and co-purchasing the selection of goods. The present invention is basically to provide a method and system for on-line processing to support a plurality of people to share the payment for a single product jointly, rather than to buy a large number of the same kind of products collectively. It is done.

<Overview of invention>

Co-sharing payment system and method according to the present invention is a system applied to the following situations.

At mealtimes with friends who have been together for a long time, they decide to share their meals in order not to burden each other. A friend from the representative goes to the restaurant counter, enters the total sharing amount (ie, the total meal price) into the co-payment terminal, which the restaurant owner registers with the co-payment settlement system, and installs the mobile phone number of the representative friend and the other friends. Enter the request for approval from the terminal.

After a while, the information regarding the approval number and the amount of money is received from the co-shared payment processing system in the mobile phone of the representative friend. In order to receive payment approval, enter the password registered in advance in the system, select the desired payment method and send it. When the receipt of payment approval is printed on the shared payment terminal installed in the restaurant counter, the representative friend signs it and receives the receipt. Along with this, other friends' mobile phones are sent with information about the co-payment approval number and the amount of the copayment, and the friends enter the amount to share with each other and select and transmit their desired payment method. The payment methods that can be selected are cash payment through mobile banking, credit card payment, carrier payment, and micro payment, which are commonly used. For each method, payment is made through a predetermined procedure.

On the other hand, there was a friend who wanted to make a payment later, who broke up with colleagues, arrived home, accessed the co-payment payment processing system through his computer, authenticated his membership and entered the approval number to share. Pay the amount. Therefore, a friend who has made a copayment payment as a representative (representative coordinator) checks the message that the share amount sent to the mobile phone has been received, enters the copayment payment processing system, selects a method of receiving the amount to be paid and pays the payment. Check the results.

Hereinafter, various embodiments embodying the concept of the present invention will be described with reference to the drawings.

<Description of Example>

1 is a block diagram of a co-payment system according to the present invention, showing the flow of work processing between each component. First, each component is introduced as follows.

10: Co-distributed payment processing system (hereinafter, referred to as a payment processing system)-A system for performing co-distributed payment processing according to the present invention, which registers users who will use the co-distributed payment service in advance and grants authority to each other. A user includes a user who provides a product or service and receives a payment ("Seller"), and a user who purchases and pays for the seller's product or service ("Buyer").

20: Co-payment payment terminal (hereinafter referred to as payment terminal)-Access to the payment processing system serves to request payment approval to the system and receive payment information. It is a terminal device that is pre-installed in a goods or service supply store (store, restaurant, etc.).

30: Settlement company-A company that pays or acts for payments made by the representative and first and second collaborators under a contract with a payment processing system, such as card companies, banks, telecommunication companies, micropayment companies, and spot trading companies. It includes.

40: representative sharer-among those who pay for the transaction in the form of co-sharing using the payment terminal 20 (that is, the buyer), the co-shared payment of the present invention is registered in the payment processing system 10 of the present invention. Led buyers.

50, 50 ': First sharer, second sharer-Buyer wishing to pay the transaction in co-sharing form with representative sharer (40).

Now, the workflow between each of these components will be described.

(1) The representative sharer 40 inputs the total share amount (total amount to be paid to the seller) and the share number of the sharer (mobile phone number, etc.) to the payment terminal 20.

(2) The payment terminal 40 connects to the payment processing system 10 and requests an approval.

(3) In the payment processing system 10, after performing the approval process for the representative sharer 40, the payment number and payment information is transmitted to the mobile phone of each sharer.

(4) Accordingly, the representative sharer 40 and each sharer 50 and 50 'request a payment by selecting a share amount and a payment method that they decide to pay.

(5) In the payment processing system 10, the payment provider 30 selects the payment company 30 according to the payment request sent from each of the collaborators to request payment processing and receive approval.

(6) And the payment processing system 10 transmits the approved payment information to the payment terminal 20.

(7) The payment terminal 20 outputs a receipt of the amount paid, and the representative assigner 40 signs it to complete the payment.

(8) The payment processing system 10 notifies each sharer of the payment approval processing result.

On the other hand, some of the sharers may choose to pay later instead of paying directly at the store. In this case, the share of the future payer will have to pay the representative. Therefore, if some of the contributors choose to make a payment later, the representative paymenter must pay the later payment after the final payment is completed. As a form of payment, cash may be paid directly to the representative contributor, but a card may be issued to a representative contributor to accumulate a certain amount of contributions to the card and continue to accumulate future amounts. Here, the affiliated card company refers to a company that is affiliated with a payment processing system and is contracted to grant a reserve or mileage fee when a representative sharer pays by presenting the company's earning card or mileage card. do.

FIG. 2A shows a detailed configuration of each component shown in FIG. 1.

The payment processing system 10 includes a user module 11, a member management module 12, a co-payment payment module 13, an affiliate management module 14, a payment management module 15, an administrator module 16, a database ( 17).

The user module 11 is a module that provides general users and members (sharers) with information necessary to use the payment processing system 10 through a web page or a client program, and programs such as membership registration and shared payment. The member management module 12 is a program module for managing member information of registered members. The co-shared payment module 13 is a program module for notifying, processing, and managing a co-shared payment request when there is a cooperative payment module, and the affiliate management module 14 is a program module for managing affiliate card companies and affiliate companies. The payment management module 15 is a program module that manages payment processing at a payment company, and the manager module 16 is a program module that manages the co-payment system as a whole. Data generated in the co-payment system of the present invention is stored in the database 17.

The payment terminal 20 includes a co-distributed payment module 21, which is a program module installed in the co-distributed payment terminal 20 to interoperate with the co-distributed payment processing system 10 for payment processing. In addition, the sharer's mobile phone terminals 40 and 50 are also provided with a shared share payment module 41 which is a program for performing the shared share payment process.

2B shows the configuration of the co-payment module 21 which is a program installed in the payment terminal 20. The information management unit 22 is a unit that manages information generated in the terminal, such as basic information and input information of the payment terminal 20, the payment unit 23 processes operations related to payment request and approval, and decrypts The unit 24 encrypts and decrypts data generated during transmission and reception. The transmitting unit 25 serves to transmit the payment request to the co-payment settlement processing system 10, the receiving unit 26 receives the approval information, and the output unit 27 outputs the approved receipt.

In addition, although not shown, a separate input device such as a card reader may be added to the payment terminal installed in the affiliated store. For example, if you ask a large number of members, such as a specific group or group, you may not want to expose your phone number on an individual basis.In this case, you will be issued a membership card to request a co-payment using this card. It is to make it possible.

Fig. 2C shows the internal configuration of the co-payment module 41 installed in each mobile phone terminal 40, 50 of each sharer. The information manager 42 manages information generated in the mobile phone such as basic information and input information of the mobile phone, and the payment unit 43 performs approval requests for various payment methods and approval processing thereof. do. In this case, the approval request may be processed by selecting a payment method using a text message service, which is one of mobile communication services. In addition, a wireless network data transmission method is also used based on a method of receiving and processing approved text information. It is possible.

The encryption and decryption unit 44 is a unit for encrypting and decrypting data generated during data transmission and reception, and the transmission unit 45 serves to transmit a payment request to the co-sharing payment system, and the reception unit 46 approves. Receiving the information, the linking unit 47 performs a linkage process with its own program required for payment, such as a text service of a mobile phone.

These program modules can be installed in a mobile phone through a web page provided in the co-shared payment processing system of the present invention or a service of another telecommunication company (eg, Nate). In fact, while sending the approval information to the mobile phone through the mobile phone number sent in the payment request through the payment terminal 21, if it is confirmed that the co-payment module has not been installed by sending an installation guide message and approval information You can confirm the message and install it.

Among the above-described modules, the co-distributed payment module 13 of the payment processing system 10, the co-distributed payment module 21 of the payment terminal 20, and the mobile phones 40 and 50, which may be referred to as the characteristic configurations of the present invention. The operation of the elements constituting the co-shared payment module 41 will be apparent by explaining the system operation and method of the present invention with reference to FIGS.

In addition, although not shown in the drawings, the payment provider 30 should include a payment system 31 for performing payment processing in connection with the co-shared payment processing system 10 of the present invention. Since this is the basic configuration of a general payment company, the city is omitted.

3 to 5 are for explaining the operation of the three embodiments of the co-sharing system and method according to the present invention configured as described above.

3 shows an embodiment in which all mobile phone numbers are entered into the co-payment terminal. Looking at the order, in order to share the co-sharing payment terminal 20, the total sharing amount, and the representative sharer and each mobile phone number of each sharer is input (101). When payment approval is made and the approval information is transmitted (102), the representative assigner confirms and approves the payment information (103). When the receipt is output from the payment terminal 20, confirm the approval information (104), determine the amount of contribution and select a payment method (105) (as mentioned above, cash through mobile banking with other sharers Payment, credit card payment, carrier payment, micropayment, etc.). After determining the sharing amount and selecting the payment method, the payment processing system 10 approves the sharing payment and transmits the approval information to each sharing person (106).

If one of the sharers chooses to make a payment later (107), the sharer selects a payment amount and a payment method later through his mobile phone (108). If payment is requested later, the payment processing system 10 approves the payment and transmits the approval information (109). When the approval for the later payment is completed, the subsequent payment is paid to the representative assigner (110). As mentioned above, as mentioned above, the credit card may be credited to an affiliated card owned by the representative contributor, but is not limited thereto.

4 shows a second embodiment of the system according to the present invention, in which only a representative mobile phone number is inputted into a co-payment terminal. Unlike the first embodiment shown in FIG. 3, the second embodiment configured as shown in FIG. 4 inputs only the mobile terminal phone number of the representative contributor at the beginning of the co-sharing process, and then checks the approval information, The process proceeds by entering the mobile phone number.

When the co-distribution payment process is started (200), the representative coordinator who leads the co-distribution payment inputs the total share amount and his (representative sharer) mobile terminal phone number to the co-distribution payment terminal 20 (201). When payment approval is made and the approval information is transmitted (202), the representative assigner confirms and approves the payment information (203). When a receipt is output from the payment terminal 20, the approval information is checked and signed (104). Subsequently, the share amount is determined with other sharers, and the share terminal's mobile terminal number is input to the payment terminal 20 (205), and the sharers select a share amount allocated to each share and a payment method desired by the sharer (207). (As mentioned above, you can make payments with other partners through mobile banking, cash payments, credit card payments, carrier payments, micropayments, etc.). After determining the sharing amount and selecting the payment method, the payment processing system 10 approves the sharing payment and transmits the approval information to each sharing person (208).

The subsequent process is the same as the embodiment of FIG. That is, if the payment is later selected among the sharers (209), the sharer selects the amount and payment method to be paid later through its mobile phone (210). If payment is requested later, the payment processing system 10 approves the payment and transmits the approval information (211). When the approval for the later payment is completed, the subsequent payment is paid to the representative assigner (212).

FIG. 5 shows a third embodiment of the system according to the present invention, in which a co-shared payment program installed in the mobile phone is used instead of inputting a mobile phone number into the co-shared payment terminal.

In order to co-share, all sharers take out their mobile phones and execute the co-sharing payment program (300). In the case of this embodiment, all sharers should install a dedicated co-sharing payment program on their mobile phones. After executing the shared payment program, the merchant enters the merchant number and the amount to be shared and selects a payment method (301). When payment approval is made and the approval information is transmitted (302) and the receipt is output from the co-payment payment terminal 20 installed in the store, one of the sharers receives the receipt for final confirmation and signs (303). At this time, the individual receipts are each received by e-mail registered in advance in the payment processing system 10. If the e-mail is not registered or changed, it can be registered and changed through the co-payment settlement program of the mobile phone or the web page of the co-payment settlement processing system 10. You can set to retrieve past receipts.

The subsequent process is the same as the embodiment of FIGS. 3 and 4. That is, if a payment is later selected among the sharers (304), the sharer selects the amount and payment method to be paid later through his mobile phone (305). If payment is requested later, the payment processing system 10 approves the payment and transmits the approval information (306). When the approval for the later payment is completed, the subsequent payment is paid to the representative assigner (307).

In the case of the present embodiment, even if the sharers do not have to enter their respective mobile phone numbers, they can easily co-pay by registering in advance in the payment processing system. However, all sharers must have pre-registered in the payment processing system.

The technical scope of the present invention described through the above embodiments is not limited to the above-described embodiments, and various modifications and changes can be made without departing from the spirit and scope of the present invention. It's obvious to me. Therefore, such modifications or variations will have to belong to the claims of the present invention.

For example, the technical idea of the present invention can be applied when purchasing goods through an offline affiliated store based on a mobile phone, but payment may occur in an online store such as an internet shopping mall. In the case of online, the representative assigner requests payment to the sharer later through a web page that implements the share sharing settlement processing system (co-payment is also possible at the same time). This shows an example of how the online store and the co-shared payment processing system of the present invention interoperate with payment. In addition, if Wibro service becomes more common in the future, payment through the purchase of goods over the wireless Internet will be able to process through mobile phones.

In addition, the above-described configuration of the present invention can be implemented by a computer and a mobile communication program. In other words, each component module can be implemented as a program, stored in a recording medium to build a payment processing system, and installed in a user's mobile phone terminal. At this time, the technical scope of the present invention also extends to the recording medium on which these programs are recorded.

As described above, according to the present invention, the concept of co-sharing performed offline can be brought online using a mobile phone and a communication network, so that existing co-sharing can be easily and quickly processed online.

Claims (10)

As a method of jointly sharing the costs payable by multiple buyers to sellers through a co-sharing payment processing system, 1) pre-registering sellers (hereinafter, affiliated stores) and buyers (hereinafter, contributors) who wish to share a share in a payment processing system and granting identification data; 2) When a plurality of sharers intending to share a co-transmitter transmits the total share amount to be paid to the merchant and the identification data assigned to the payment processing system, the payment processing system receives the authorization and performs the approval process; 3) When the sharers select the share amount and payment method to be paid by each person and send the payment request to the payment processing system, the payment processing system includes performing the payment processing according to the payment request sent by each sharer, Step 2) Transmitting identification data assigned to the representative sharer of the sharer to the payment processing system, performing a payment approval process for the representative sharer, and the remaining sharers send their identification data to the payment processing system And performing a payment approval process for these sharers. delete 2. The method of claim 1, wherein the identification data of step 1) is a mobile phone number of an individual person sharing the service. The method of claim 1, wherein the identification data of step 1) is an ID number assigned to an affiliated store. The method of claim 1, wherein as a subsequent step of step 3) If some of the contributors choose to pay later instead of making payments directly at the store, the contributor may select a payment amount and a payment method later through his mobile phone, and if a request is made later, The payment processing system 10 further includes the step of approving the payment and transmitting the approval information, and when the approval for the later payment is completed, additionally paying the subsequent payment amount to the representative assigner. Way. A computer recording medium storing a program for implementing the method according to any one of claims 1 to 3. In order to handle a task in which a plurality of users jointly share expenses to be paid to other users, the users are registered and given permission to each of the users, and at the request of registered users, the joint sharing settlement process is performed. Include a shared payment processing system (hereinafter referred to as a payment processing system), This payment processing system Means for pre-registering sellers (hereinafter referred to as merchants) and buyers (hereinafter referred to as contributors) who wish to share the same among the users to whom the use rights are granted; Means for performing the approval process by receiving the total amount of payments to be paid to the merchant and identification data assigned to the merchants, which are transmitted by a number of all-in-ones wishing to co-share; Co-payment payment system including a means for each of the sharers to receive the payment request sent by selecting the share and payment method to be paid by each of the sharers according to the payment request sent by each sharer. [Claim 8] The co-shared payment of claim 7, wherein the total share amount and the identification data transmitted by the user to the payment processing system are transmitted through a shared payment terminal (hereinafter, referred to as a payment terminal) that accesses the payment processing system. system. The joint payment system according to claim 8, wherein the payment terminal is a mobile phone. The joint payment system according to claim 8, wherein the payment terminal is a wireless Internet telephone.

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