KR101744315B1

KR101744315B1 - Method of paying credit account for group and apparatus thereof

Info

Publication number: KR101744315B1
Application number: KR1020150181094A
Authority: KR
Inventors: 오현익
Original assignee: 중소기업은행
Priority date: 2015-12-17
Filing date: 2015-12-17
Publication date: 2017-06-07

Abstract

A meeting payment method and apparatus thereof are disclosed. The meeting payment device registers the membership information of the meeting and the information about the meeting card, and if the payment is made by the meeting card, the payment amount is allocated to each member of the meeting and is settled.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and apparatus for paying a meeting,

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and apparatus for paying a meeting fee, and more particularly, to a method and apparatus for easily paying a cost shared by members belonging to a meeting.

Various groups collect their dues regularly or irregularly and use them for their meetings. Generally, the general secretary of the meeting will settle the cost of meeting activities with his / her credit card or check card, and settle the dues from each member. If the membership fee is insufficient, the secretary must notify each member of the insufficient amount and collect it, and if the membership fee remains, it is necessary to return it to each member.

Patent Publication No. 10-2015-0001511

SUMMARY OF THE INVENTION The present invention provides a meeting payment method and apparatus that enables a secretary to receive a membership fee for a plurality of members at the time of settlement of a meeting without having to receive a membership fee in advance or to go through a settlement process have.

According to another aspect of the present invention, there is provided a method of payment for a meeting, the method comprising: registering membership information of a meeting; Receiving payment information of a meeting card; And distributing a payment amount included in the payment information to the members of the meeting.

According to an aspect of the present invention, there is provided an apparatus for meeting payment of a meeting, comprising: a registration unit for registering membership information of a meeting; A payment unit for receiving payment information of the meeting card; And a request unit for distributing a payment amount included in the payment information to the members of the meeting.

According to the present invention, at the settlement of the meeting expenses, the corresponding expenses are automatically distributed to each member of the meeting in a distributed manner, thereby eliminating the inconvenience of previously collecting the membership fee or performing the settlement process.

Brief Description of the Drawings Fig. 1 shows a schematic structure of an overall system for meeting settlement according to the present invention; Fig.
2 is a diagram showing the configuration of an embodiment of a meeting settlement apparatus according to the present invention,
FIG. 3 is a diagram illustrating an example of allocating a meeting settlement cost according to the present invention to each member, and FIG.
FIG. 4 is a flowchart illustrating an embodiment of a meeting payment method according to the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a meeting payment method and apparatus according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a schematic structure of an overall system for meeting settlement according to the present invention.

Referring to FIG. 1, when payment is made using the meeting card 100 at the merchant terminal 110, the payment information is transmitted to the meeting payment apparatus 130. Here, the meeting card 100 may be a credit card, a check card, a prepaid card or a mobile card registered in advance for meeting payment according to the present embodiment, or may be a meeting-only payment card separately issued for the present embodiment.

The merchant terminal 110 includes various types of terminals having a payment function such as a credit card or a check card as well as a general POS (Point of Sale) terminal. For example, the merchant terminal 110 may be a smart phone including a payment function.

When the meeting payment apparatus 130 receives the card payment details of the meeting card 100, the meeting payment apparatus 130 shares the payment amount to each member of the meeting 140, 142, 144. For example, when a first member belonging to the first meeting 140 makes a payment with a meeting card, the meeting payment apparatus 130 shares the payment costs to the members belonging to the first meeting 140 in an equal or differential manner . This will be described in detail again with reference to FIG.

The present embodiment shows only the network 120 between the merchant terminal 110 and the meeting payment apparatus 130 for the sake of convenience of explanation, but a VAN company, a PG company, or the like collecting the payment details in the network 120, It is needless to say that at least one or more other servers or configurations may be included in the merchant terminal 110 and the meeting payment apparatus 130 according to the embodiment.

2 is a diagram showing the configuration of an embodiment of a meeting settlement apparatus according to the present invention.

Referring to FIG. 2, the meeting payment apparatus 130 includes a registration unit 200, a payment unit 210, and a billing unit 220.

The registration unit 200 receives member information of each meeting for meeting payment service, information of a meeting card for payment of each meeting, and the like. For example, a member of a meeting accesses the meeting payment apparatus 130 through his / her terminal (smartphone, tablet PC, computer, etc.), and then uses the information of each member constituting the meeting and the meeting fee The information of the meeting card can be input.

The member information of each meeting registered in the registration unit 200 may include the member's name, account information, or card information. According to the embodiment, the content and kind of the member information can be variously modified and designed.

The information of the meeting card registered in the registering unit 200 may be information of a credit card, a check card or a mobile card of a specific member constituting the meeting, or information of a dedicated card separately issued for the present embodiment.

In addition, according to the embodiment, the registration unit 200 can specify the period of use of the meeting settlement service, the place of use, and the like. In this case, it can be used only as a meeting card in the registered use period or place of use, and the rest can be used as a general card.

The settlement unit 210 receives payment details of the meeting card. At this time, the payment details may include various kinds of information about the card information, the payment date, the payment amount, and the payment completion. As another example, the settlement unit 210 may further receive information on the settlement ratio (i.e., the cost burden ratio).

The charging unit 220 distributes the settlement amount to each member of the meeting based on the settlement history. For example, since the registering unit 200 registers and stores the information of the meeting card for each meeting in advance, the claiming unit 220 transmits the information (for example, credit or check card number) of the meeting card included in the payment details, It is possible to determine which group is a meeting card. Then, the charging unit 220 withdraws the contribution of each member of the identified meeting from the account based on the account information of each member, or charges the card based on the card information of each member.

As another example, when the meeting payment service according to the present embodiment is implemented as a smartphone application, the secretary of the meeting operates the meeting payment service application to apply for the meeting payment service, registers the meeting member, and conducts the meeting. The secretary checks the attendees of all members of the meeting through the meeting payment service app and sends them to the meeting payment device. In this case, the billing unit 220 can allocate the settlement amount only to the attendees, not to share the settlement amount to the entire members of the meeting.

FIG. 3 is a diagram illustrating an example of allocating a meeting settlement cost according to the present invention to each member.

Referring to FIG. 3, when there is a payment amount 300 paid by the meeting card, the meeting payment apparatus calculates the contribution amount of each member 310, 312, and 314 to the payment amount 300. At this time, the contributions may be shared equally among the members or may be shared in different ways. For example, the meeting payment device can register more information on the cost burden ratio when registering membership information of a meeting. In this case, the meeting payment apparatus can share the payment amount to each member according to the registered cost burden ratio, and if the information about the cost burden ratio is not registered, it can be shared evenly. As another example, the meeting payment apparatus can receive information on the settlement ratio for each member of the meeting at the time of settlement of the meeting card, and calculate the contribution amount of each member according to the settlement ratio.

The meeting payment apparatus charges the contribution of each member by using the account information of each member 310, 312, 314 or the card information 320, 322, 324 as a money transfer or a credit card. For example, in the case of the member 1 (310), only the account information is registered in the meeting payment apparatus, and in the case of the member 2 (312), only the card information is registered, And the member 2 (312) is settled through the card billing.

FIG. 4 is a flowchart illustrating an embodiment of a meeting payment method according to the present invention.

Referring to FIG. 4, the meeting payment apparatus receives and stores membership information, meeting card information, and the like of the meeting for the meeting payment service (S400). For example, information on a meeting card may be used to register a credit or check card held by a particular member of the meeting individually. In this case, information on the time zone or place where the meeting card service is provided may be additionally input, so that it can be used as a meeting card only at a specific time, and the remaining can be used as a general card.

The meeting payment apparatus receives the payment details of the meeting card (S410). The card information included in the payment history, and the like, and calculates the contribution amount for each member of the meeting with respect to the payment amount (S420). In addition, the meeting payment device shall settle each member's share by way of account transfer or card payment.

The present invention can also be embodied as computer-readable codes on a computer-readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored. Examples of the computer-readable recording medium include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like. The computer-readable recording medium may also be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner.

The present invention has been described with reference to the preferred embodiments. It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

Claims

A meeting payment method of a meeting payment apparatus for receiving settlement information through a merchant terminal,
The meeting payment apparatus includes:
Registering a use period or a use place of the meeting card;
Registering member information of each meeting;
Receiving payment information of a meeting card;
Registering and storing information of a meeting card for each meeting in advance, and determining a corresponding meeting based on a card number included in the payment history;
Distributing the payment amount included in the payment information to the members of the meeting when the payment of the meeting card occurs in the use period or the use place; And
If the payment of the meeting card does not occur in the use period or the use place, performing a general card settlement instead of a distributed request,
Wherein the meeting card is a credit card or a check card of a specific member of the meeting.

2. The method of claim 1,
Receiving information of a credit card or a check card to be used as the meeting card; And
And receiving member information including account information or card information of members belonging to the meeting.

3. The method of claim 2,
Calculating an amount of contribution for each member of the meeting based on the payment amount; And
And withdrawing the contribution from the account based on the account information of each member or charging the card based on the card information of each member.

3. The method of claim 2,
Calculating a contribution amount for each member based on a payment ratio for each member for the payment amount; And
And withdrawing the contribution from the account based on the account information of each member or charging the card based on the card information of each member.

A registration unit for registering membership information of the meeting;
A payment unit for receiving payment information of the meeting card; And
And a request unit for distributing a payment amount included in the payment information to the members of the meeting,
Wherein the meeting card is a credit or check card of a particular member of the meeting,
The registration unit registers the use period or the use place of the meeting card,
When the payment of the meeting card occurs at the use period or at the place of use, the claimant distributes a charge. When the payment of the meeting card is not issued at the use period or place of use, Wherein the apparatus comprises:

6. The information processing apparatus according to claim 5,
Receives the information of the credit card or the check card to be used as the meeting card, and receives the member information including the account information or the card information of the members belonging to the meeting.

7. The system according to claim 6,
And calculating an amount of contribution for each member of the meeting based on the amount of the settlement and withdrawing the contribution from the account based on the account information of each member or making a charge for the card based on the card information of each member And the like.

7. The system according to claim 6,
The payment amount is calculated for each member on the basis of the payment ratio for each member, and then the contribution is withdrawn from the account on the basis of the account information of each member, or based on the card information of each member, Of the meeting request.

A computer-readable recording medium storing a program for performing the method according to any one of claims 1 to 4.