KR101200351B1 - A payment method using payer id - Google Patents

Abstract

The present invention relates to a card payment method using a payer ID, and more specifically, the payer searches for information to be paid by a payer using a card inquiry terminal installed at an arbitrary place using a payer ID provided from a service company server. Step 1 of receiving a payer ID from the card inquiry terminal, detecting a claimant corresponding to the received payer ID and at least one billing history, so as to selectively pay the desired payment item, and detecting the at least one billing item. Outputting one or more billing details through the card inquiry terminal, four steps of receiving payment item information and card information which is a billing history selected by a user among the at least one or more billing details outputted, and the received card information 5 steps of detecting the merchant information of the detected claimant using the Use the rich ID, merchant information and card information includes the six steps of the transaction authorization request for payment items in the shopping information to the issuer terminal.

Description

How to pay card using Payer ID {A PAYMENT METHOD USING PAYER ID}

The present invention relates to a card payment method using a payer ID, and more particularly, information to be paid by the payer from the card inquiry terminal installed at any place using the payer ID set to identify the payer between the payer and the service company server. Search for, and relates to a card payment method using a payer ID that can selectively pay the desired payment item.

If there is any commerce that creates a payment and receipt relationship, the flow of money will occur. The purchaser must pay the person who sold the price of the purchased goods or services. That is, the problem of payment and settlement always occurs between the buyer and the seller. In modern society, the settlement method of payment is diversified, so there is a method of payment in cash through current currency, a method of payment through transfer between bank accounts, and a bill settlement method in which a company pays bills. There is this. In particular, in Korea, the credit card industry is very developed, so the amount of usage and use of the card is very wide, and the card payment market for payment by credit card in many commerce is well developed.

In order for a card transaction to be established, two essential transaction information must be satisfied. The first is the card information (hereinafter referred to as 'card customer information') contained in the payment card issued by the card company for the purchaser (or payer) to use for payment. The second is the seller (or the claimant). Merchant identification information (hereinafter referred to as 'merchant information') issued through the merchant contract with the card company concerned. Of course, information such as the amount to be paid and the installment details (hereinafter, referred to as 'payment history information') is also required. This is a condition that is basically determined at the time of transaction. Therefore, for the card transaction, transaction information for the customer who pays with the card and the counterparty (seller) that the customer pays is required. Specifically, in order for a seller to pay the sales price with a card, a merchant contracts with each card company, and each card merchant number is assigned according to a predetermined method of the card company. This card merchant number enables card payment processing together with card customer information.

As such, when the purchaser pays the price using a physical card, a card inquiry machine under the management of the seller is generally used as a device for recognizing the merchant. That is, the seller to be paid must own and manage his or her wired or wireless card lookup machine.

However, in order to make a card payment according to the above method, a customer who wishes to pay with a card visits a sales place and pays with a card searcher owned by the seller, or a merchant affiliated with a wireless terminal and directly purchases a buyer. There was a problem that the card payment can only be visited.

In particular, it is difficult to make payments between the payer and the claimant in person, such as national taxes, local taxes, various utility bills, mobile phone charges, school fees, kindergarten expenses, etc. Even in the case of transactions (B2B), there are many limitations in making payments using the existing card transactions as described above. As a result, the card payment is not activated in connection with the payment of utilities and living charges. there was.

In addition, the payer can not easily know the information on all the details to be paid, and can not only manage the bills by checking the due date separately, there is a case that the payment due date unknowingly.

In order to solve the problems as described above, the present invention searches for information about the charges to be paid by the payer ID through the card inquiry terminal installed in an arbitrary place, and the payer to pay as needed An object of the present invention is to provide a payment settlement method using a payer ID to select and pay.

In order to achieve the above object, the card payment method using the payer ID according to the first embodiment of the present invention comprises the steps of receiving a payer ID from the card inquiry terminal; Detecting a claimant corresponding to the received payer ID and at least one billing history; Outputting the detected at least one claim through the card inquiry terminal; Receiving payment item information and card information which is a billing history selected by a user among the at least one billing history output; Detecting merchant information of the detected claimant using the received card information; And a sixth step of requesting a card company terminal to approve a transaction for mall payment item information using the payer ID, the merchant information, and the card information.

In this case, the payer ID may be in the form of letters or numbers arranged, or may be one of a resident registration number, business registration number, barcode information.

On the other hand, the card payment method using the payer ID according to the first embodiment comprises the steps of receiving a transaction approval response from the card company terminal; And notifying a transaction approval result to the card inquiry.

On the other hand, the card inquiry terminal outputs all the billing history information of the claimant corresponding to the payer ID, the user can select the billing history to pay from the output billing history information and input the payment item information.

As described above, the card payment method using the payer ID according to the present invention uses a card inquiry terminal installed at an arbitrary place when a plurality of items to be paid by the payer are used to pay the bills to be paid by the payer ID. It is effective to search for information and to pay by selecting the billing details desired by the payer.

1 is a view showing a schematic configuration of a card payment system using a payer ID according to the present invention.
2 is a view showing a specific configuration of a card payment method using a payer ID according to the present invention.
3 is a view showing the flow of the card payment method using the payer ID according to the present invention.
4 is a diagram showing an example of a card payment method using a payer ID according to the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In describing the present invention, if it is determined that detailed descriptions of related known functions or configurations may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a view showing a schematic configuration of a card payment system using a payer ID according to the present invention.

Referring to FIG. 1, the card payment using the payer ID is a service company server 100, a payer 200 having a credit card 210, a card inquiry machine 300, a card company terminal 400, and a claimant server. By the interaction of 500. However, in describing the present invention, the card company terminal 400 refers to a terminal that automatically processes online operations performed by the card company, and the claimant server 500 charges the payer 200 to the subject receiving payment from the payer. Or a server managed by the subject.

First, the claimant server 500 provides the service company server 100 with information about a claim to be paid from the payer 200, that is, the billing information for each payer.

The service company server 100 constructs a necessary database using the billing information for each payer, generates a payer ID based on this, and delivers the payer ID to the payer 200.

Here, the payer ID is identification information for the service company server 100 to retrieve information necessary for a transaction approval request from the card company terminal 400 from a database. Specifically, the payment ID can be used to retrieve information about all bills that the payer is required to pay, and the payer ID can also be used as identification information required for the payer to pay at any location using the card. It can be implemented in various forms. For example, it may be a form that can be input through a card inquiry, such as a series of numbers or sets of characters, a combination of special characters and numbers. In addition, it may be a unique number given in a specific relationship to the payer, such as the payer's social security number or business registration number. Meanwhile, the payer ID may be implemented in a barcode format.

The payer 200 inputs the payer ID received from the service company server 100 into the card lookup machine 300 installed at an arbitrary place, searches for the bill to be paid by the payer ID, and then pays the billing item to be paid. Here, the payment item refers to the billing history selected by the user among a plurality of billing history output through the card query.) And the card query 300 installed at an arbitrary place using the card for the financial settlement used. Perform card payment through Of course, the financial payment card is a concept that includes all of the financial payment cards that are actually used, including credit cards, debit cards, check cards or cash cards. On the other hand, when paying for the card, not only can be paid in a lump sum, but it can also be settled in months.

When the payer 200 selects a payment item using a payer ID and performs a payment using a card, the card lookup device 300 sends information and card information about the payment item selected by the payer to the service company server 100. send.

The service company server 100, when the payer ID transmitted from the payer 200 is transmitted, reads the billing history and merchant information using the payer ID, and transmits the billing information to the card inquiry machine 300 again. do.

After the billing information is output, the payer selects a payment item he / she desires from the billing history and reads the payment card. The payment item and the card information transmitted from the service company server 100 card query 300 are displayed. Transfer to card company terminal to request transaction approval. Specifically, the service company server 100 makes a request for approval to the card company terminal 400 by using a card transaction approval request message including billing information, merchant information, and card information about the selected payment item.

The card company terminal 400 receiving the card approval request from the service company server 100 determines whether approval is possible through the transmitted merchant information and card member information, and transmits the result to the service company server 100. The server 100 transmits the approval result to the card inquiry machine 300. The card inquiry machine 300 outputs the approval result received from the card company terminal 400 through the service company server 100 to complete the transaction approval procedure. Here, the approval result is made by outputting the approval slip together with the approval number received from the card company terminal 400.

Hereinafter, the card payment method using each component and the payer ID will be described in more detail.

2 is a view showing a specific configuration of a card payment method using a payer ID according to the present invention.

In order to make a card payment using the payer ID according to the embodiment of the present invention, the service company server 100 first establishes a database (DB) using billing information for each payer transferred from the billing server 500, as well as payer. A payer ID is generated based on the billing information. The service company server 100 not only delivers the payer ID generated in this way to the claimant server 500 but also notifies the payer 200 individually.

Next, in the case where the payer 200 performs the card payment using the payer ID, the service company server 100 transmits the payer ID corresponding to the delivered payer ID when the payer ID is transmitted from the card inquiry machine 300. Search all billing history and deliver it to the card query 300, the payer selects the billing history desired from the billing history output, and the card reader, the merchant information and payment item information and card information retrieved using the payer ID Transfer to the card company terminal 400 requests a transaction approval. And the card company terminal 400 receives the approval response and transmits the result to the card query machine (300).

Each process performed by the service company server 100 as described above will be described in detail through the relationship between the payer 200, the card inquiry machine 300, the card company terminal 400 and the claimant server 500.

First, the service company server 100 describes a process of generating and delivering a payer ID for each payer.

The claimant server 500 transmits the billing information for each payer to the service company controller 110 of the service company server 100. Here, the claimant server 500 represents various subjects who charge.

For example, in a physical transaction, the claimant could be a seller. With respect to utilities such as national and local taxes, the claimant can be a national agency, such as the IRS, which charges utilities. In addition, in the case of electricity bills, the claimant may be a claiming institution such as KEPCO.

Accordingly, the claimant server 500 is not limited to any specific institution, and may be the case where the claimant server 500 is a subject who can receive a card payment from a payer by charging a fee.

In addition, although FIG. 2 illustrates one claimant server 500, a plurality of claimant servers 500 may be connected.

The billing information for each payer transmitted from the claimant server 500 to the service company controller 110 includes information regarding a payer, a claimant, and a billing history.

The service company controller 110 constructs a database DB using the billing information for each payer transferred from the biller server 500, and generates and stores a payer ID.

Specifically, each information is stored in the payer DB 122, the claimant DB 123, and the billing history DB 124, and matches each information.

The payer DB 122 stores information on payers who have to pay the bills to the biller server 500, and in the case of the plurality of biller servers 500, the payers for all biller servers 500 are stored by payer. do.

The claimant DB 123 stores information on claimants who charge for each payer stored in the payer DB 122. One claimant may be matched for each payer as well as a plurality of claimants. For example, when payer a needs to pay electricity, utility bills, and telephone bills, KEPCO, IRS, KT, etc. may be matched with claimants in relation to payer a.

The billing DB 124 stores specific information that each claimant bills for an individual payer. For example, if a is required to pay electricity, utility bills, and telephone bills, payer a matches KEPCO, IRS, KT as the claimant, and the bill of electricity bills, utility bills, and telephone bills for each claimant. The same claims may be matched.

As described above, when the biller and the payment details are matched and stored for each payer, a payer ID for each payer is generated and stored in the payer ID DB 121. For example, in the case of payer a, who has to pay electricity, utility and telephone bills, one payer ID can be created for payer a. However, the payer ID may be composed of a series of combinations of numbers or letters having a specific relationship with the payer, such as the payer's social security number and business registration number. In addition, if necessary, the payer ID may be configured in a special form such as a barcode.

As described above, after generating and storing a payer ID for each payer, the service company control unit 110 notifies each payer of the payer ID, and simultaneously pays the payer ID details to each billing server 500. To pass. The claimant server 500 notified of the payer ID details also notifies the payer ID of each payer 200.

The method of notifying the payer ID of the payer 200 by the service company server 100 may be variously applied. For example, a variety of methods can be applied, such as a bill delivery method, a mobile phone delivery method, or an email delivery method.

In addition, the service company server 100 establishes the merchant information DB 130 for each claimant. In order to establish the merchant information DB 130 for each claimant, the claimant 500 first makes a request for registration of a merchant to each of a plurality of card companies 400. To this end, the claimant 500 enters into a merchant contract with the plurality of card companies 400 to register a merchant. In this regard, the card company 400 provides affiliate store information in response to the request, and the service company server 100 constructs a card affiliate store DB 130 for each claimant using the affiliate store information provided by the card company. The card company 400 recognizes the claimant as the billing merchant information in a future card transaction.

Next, the payer 200 will be described a process of making a card payment using the payer ID.

The payer 200 inputs the payer ID notified from the service company server 100 or the claimant server 500 to the card inquiry machine. If the payer ID is configured in a special form such as a barcode, the payer ID is recognized by a device that can recognize it.

Here, the payer 200 may make a card payment by using the card inquiry machine 300 installed at any place regardless of the claimant 500.

When the payer ID is input, the card inquiry machine 300 transmits the input payer ID to the service company controller 110.

When the payer ID is transmitted, the service company controller 110 searches the database DB using the transmitted payer ID to detect information such as a claimant and a billing history corresponding to the payer ID.

Here, the billing history detected using the payer ID may include all billing statements billed by a plurality of billers to the payer. The detected claimant and the billing detail information are transmitted to the card inquiry machine 300 again and output.

The payer checks the information on the at least one billing history output through the card inquiry machine 300, selects a billing item to be paid from the billing history, and further, the card for payment 210 of his / her financial settlement. Use the card reader 300 to pay by the reader.

Here, the payment item may be selected by various input methods such as touch in at least one or more billing details as shown in FIG. 4.

As a result, the payment item information and the card information, which is the billing statement selected by the payer, are transmitted from the card lookup device 300 to the service company controller 110.

The service company controller 110 reads affiliate store information from the card affiliate store DB 130 for each claimant using the payment item information and the card information transmitted from the card inquiry machine 300. Specifically, the information about the merchant of the claimant corresponding to the payer ID is read out to the card company of the card used by the payer.

The service company controller 110 transmits the card information input from the card inquiry machine 300, the merchant information read in correspondence with the input payer ID, and the payment item information, which is the selected billing information, to the card company terminal 400 to approve the transaction. Perform the request. Here, the transaction approval request may be made through a transaction approval message including the card information, the merchant number and the billing details.

In response to the transaction approval request of the service company controller 110, the card company terminal 400 determines whether the approval is performed, and transmits the approval result to the service company server 100, and the service company server 100 transmits the approval result to the card inquiry machine 300. ) And print out the slip, and the payer 300 confirms the approval result.

3 is a view showing the flow of the card payment method using the payer ID according to the present invention.

In order to make a card payment using a payer ID, a claimant must first apply for a merchant to a card company and build a merchant information DB for each card company in the service company server 100.

To this end, the claimant server 500 applies to the card company terminal 400 card merchant. Here, the claimant server 500 applies for a card affiliate store for all card company terminals 400 to be used.

Each card company terminal 400 receiving a card merchant application from the claimant server 500 establishes a member store registration and affiliate store number DB after examining the card merchant application. In addition, a fee DB for merchants is established.

The card company terminal 400 notifies the claimant server 500 of the card merchant information and the registration result after registering the merchant for the merchant application of the claimant server 500.

The claimant server 500 and the card company terminal 400 which are notified of the merchant information and registration from the card company terminal 400 register the card affiliate store information with the service company server 100, and the service company server 100 according to the card company of the claimant. Build a merchant information DB including the merchant number.

Next, the claimant server 500 transmits the billing information for each payer to the service company server 100, and the service company server 100 generates and stores the payer ID as well as building the DB for each payer. Here, the DB by payer stores information such as payer, claimant, and payment details corresponding to each payer ID.

When the payer DB and the payer ID DB are built by the service company server 100, the server company server 100 notifies the payer ID 200 and the payer ID 500. In addition, the claimant server 500 notified of the payer ID separately notifies the payer ID for each payer.

When the payer 200 is notified of the payer ID, the payer can select and pay the billing history he / she wants to pay by using the payer ID and the financial settlement card at any place. have. The payment process using the payer ID and the financial settlement card proceeds as follows.

First, the payer 200 holding the card for financial settlement inputs a payer ID into a card inquiry machine installed at an arbitrary place.

When the payer ID is entered into the card inquiry machine, the payer ID is transmitted to the service company server 100. The service company server 100 detects information on the claimant and the billing history using the transmitted payer ID. Here, the detected billing information includes a plurality of billing information billed for the payer who inputs the payer ID. Preferably it may include all billing history, including utility bills and the like.

When the service company server 100 detects the billing history, the service company server 100 outputs the billing history information using the card inquiry machine 300.

When the billing information is output through the card inquiry machine 300, the payer selects a payment item which is a billing item to be paid from the billing information output and pays with the card for financial settlement.

Accordingly, the card inquiry machine 300 transmits the selected payment item and card information to the service company server 100.

Meanwhile, the service company server 100 reads the affiliate store number using the transmitted payment item and card information.

As such, the service company server 100 that reads the affiliate store number requests a transaction approval from the card company terminal 400 using the selected payment item, the affiliate store number and card information.

In response, the card company terminal 400 determines whether to approve the transaction, and transmits a transaction approval response to the service company server 100, and the service company server 100 transmits the approval result to the card inquiry machine 300. The card inquiry machine 300 which has received the approval result prints the slip and the payer confirms it and signs it.

In addition, the service company server 100 may transmit the approval result to the claimant server 500, and may transmit the approval result to the payer 200 through a mobile phone text message.

After the payer confirms and signs the card approval result as described above, the card company terminal 400 pays the biller 500 and charges the payer 200 for the payer 200 as in a normal card payment. Settle this.

However, when the payer makes a card payment, the payer may not only pay the entire billing details, but also partially pay the amount.

In addition, even after the payment is made, the payer may cancel the payment for the previously paid portion using the payer ID for payment.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention. The present invention is not limited to the drawings.

Claims (5)

In the card payment system,
Step 1, the service company server receives the payer ID from the card inquiry terminal;
Detecting, by the service company server, a claimant corresponding to the received payer ID and at least one billing history;
3, the service company server outputting the detected at least one billing statement through the card inquiry terminal;
Receiving, by the service company server, payment item information and card information which is a billing history selected by a user from the at least one billing history output;
Step 5 in which the service company server detects merchant information of the detected claimant using the received card information; And
And a sixth step in which the service company server requests a card company terminal to approve a transaction for the payment item information using the payer ID, the merchant information, and the card information.
The method of claim 1,
The payer ID is a card payment method using a payer payment ID, characterized in that the form of the letters or numbers arranged.
The method of claim 1,
The payer ID is a card payment method using a payer payment ID, characterized in that one of the resident registration number, business registration number, barcode information.
The method of claim 1,
Receiving, by the service company server, a transaction approval response from the card company terminal; And
The service company server further comprises the step of notifying the transaction approval result to the card inquiry terminal, the card payment method using a payer ID.
The method of claim 1,
The card inquiry terminal outputs all billing history information of the claimant corresponding to the payer ID, and the user selects the billing history to pay from the outputted billing history information and inputs payment item information. Card payment method used.

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