KR101759974B1 - Micropayment linkage based anonymous prepaid card payment assistive device and method - Google Patents

Micropayment linkage based anonymous prepaid card payment assistive device and method Download PDF

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KR101759974B1
KR101759974B1 KR1020150130694A KR20150130694A KR101759974B1 KR 101759974 B1 KR101759974 B1 KR 101759974B1 KR 1020150130694 A KR1020150130694 A KR 1020150130694A KR 20150130694 A KR20150130694 A KR 20150130694A KR 101759974 B1 KR101759974 B1 KR 101759974B1
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prepaid card
balance
information
bearer
payment
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KR1020150130694A
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KR20170032969A (en
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허남순
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주식회사 다날
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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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]

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Abstract

Disclosed is an apparatus and method for supporting an anonymous name prepaid card based on interlocking of micropayments. The present invention relates to an apparatus and method for supporting an anonymous prepaid card payment based on a micropayment interlocking system, and more particularly, When a settlement request based on the first bearer prepaid card held by the first member among the plurality of members is received from the online store server, the payment amount for the commodity and the balance of the first bearer prepaid card Prepaid card, the payment for the commodity exceeds the balance of the first bearer prepaid card, the remaining balance remaining in the first bearer prepaid card among the settlement amount for the commodity is set as the payment processing for the first bearer prepaid card And the amount of the excess of the balance of the first bearer prepaid card is set so that the amount Payment processing is done by making a small payment based on the number one, even if the payment for the goods exceeds the balance of the first anonymous prepaid cards can be supported so that they can be successfully carried out the payment.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a prepaid card payment apparatus,

Embodiments of the present invention relate to a payment assist apparatus and method in which an anonymous prepaid card and a micropayment system are linked.

Recently, with the advancement of network technology, online-based shopping service that can do online shopping anytime and anywhere is widely spreading.

Especially, various smart devices such as smart phones and smart pads are emerging, and a shopping environment where users can easily do online shopping is being established in mobile environment.

Usually, online-based shopping services often provide card-based payment services such as credit cards issued to users. In general, when a user wishes to purchase a specific commodity, the user accesses an online shopping mall site that sells the commodity using a desktop PC or a mobile terminal, selects a commodity from the site and presses a purchase button, So that the user can purchase the product with the credit card he owns by inputting the credit card information into the payment window.

Since the card-based payment service provided by the existing online-based shopping service utilizes only a credit card or a check card as a payment means, it is not easy for a user having a prepaid card to purchase a product using his / her prepaid card .

In particular, when an electronic tag is mounted on a card such as a transportation card, a predetermined amount of money is charged to the card through the electronic tag, and an anonymous prepaid card is paid for a predetermined amount each time the card is touched to the RFID reader There are few online-based shopping services that use online card payment system.

In this bearer prepaid card, the balance information is recorded on the electronic tag mounted in the card. When the user touches the card to the reader when the user rides the bus, the balance information recorded in the electronic tag is subtracted .

In this way, since the bearer prepaid card is implemented in such a manner that the balance information is recorded on the electronic tag mounted in the card, in the bearer prepaid card company that distributes and operates the bearer prepaid card, the balance of the bearer prepaid card distributed to users is managed by computer In order to receive the information on the card information of the bearer prepaid card and the total amount of the settlement amount paid from the company that handles payment through the bus company or other bearer prepaid card at a specific time every day through its bearer prepaid card company server It is stored in the database.

Although this kind of bearer prepaid card is often used as a transportation card, the reason why the payment system using such anonymous prepaid card is not introduced in the online-based shopping service is that the amount of the commodity If the balance remaining on the prepaid card is exceeded, it is difficult to process the payment for the product. As described above, the bearer prepaid card company can only use the prepaid card company server It is not easy to perform the online payment processing because the balance information of the bearer prepaid card distributed to the users in real time on the computer is not managed because the payment amount information for the bearer prepaid card distributed to the users is managed. Because.

Accordingly, in order to enable the payment system using the bearer prepaid card to be introduced in the online-based shopping service, even when the amount of the commodity exceeds the balance of the bearer prepaid card, the commodity settlement can be appropriately performed , And a billing assistant technique that enables the payment of the commodity to be performed appropriately in consideration of the feature that the balance information is not managed in real time on the computer.

The present invention relates to an apparatus and method for supporting an anonymous prepaid card payment based on a micropayment interlocking system, and more particularly, When a settlement request based on the first bearer prepaid card held by the first member among the plurality of members is received from the online store server, the payment amount for the commodity and the balance of the first bearer prepaid card Prepaid card, the payment for the commodity exceeds the balance of the first bearer prepaid card, the remaining balance remaining in the first bearer prepaid card among the settlement amount for the commodity is set as the payment processing for the first bearer prepaid card And the amount of the excess of the balance of the first bearer prepaid card is set so that the amount Payment processing is done by making a small payment based on the number one, even if the payment for the goods exceeds the balance of the first anonymous prepaid cards to help you become a payment normally performed.

The present invention provides an apparatus for paying an anonymous prepaid card based on a micropayment interworking system, comprising: a memory for storing a telephone number of a mobile terminal of each of a plurality of members and a telephone number of each of the plurality of members A member database in which the card information for the bearer prepaid card issued to the plurality of members and the balance information for the bearer prepaid card issued to each of the plurality of members are stored so as to correspond to each other; Receiving a latest balance information on an anonymous prepaid card issued to each of a plurality of members, and based on the received latest balance information, for each of the plurality of members stored in the member database, A balance information updating unit for updating the balance information, When a payment request based on a first bearer prepaid card held by a first member among the plurality of members is received, the card information for the first bearer prepaid card and the payment amount information A balance information extracting unit for extracting balance information for the first bearer prepaid card of the first member stored last on the member database based on the card information for the first bearer prepaid card, A determination unit for determining whether a payment amount for the product exceeds the balance of the first bearer prepaid card based on the balance information for the first bearer prepaid card and the payment information for the merchandise, If it is determined that the payment amount exceeds the balance of the first bearer prepaid card, The server transmits a settlement request based on the first bearer prepaid card to an amount corresponding to a balance of the first bearer prepaid card among settlement amounts for the goods to the server, And then accesses to the communication company server based on the telephone number of the mobile terminal of the first member to check for the excess amount of the portion of the payment amount for the commodity exceeding the balance of the first bearer prepaid card And a settlement request unit for transmitting a micro settlement request.

In addition, according to an embodiment of the present invention, an anonymous prepaid card payment assisting method based on a micropayment interlocking method is a method for assisting the payment of a plurality of members by comparing a phone number of each mobile terminal of the plurality of members, Maintaining a member database in which the card information of the bearer prepaid card issued to each of the plurality of members and the balance information of the bearer prepaid card issued to each of the plurality of members correspond to each other; Receiving, from a server, latest balance information on an anonymous prepaid card issued to each of the plurality of members, and based on the received latest balance information, an anonymous prepaid card issued to each of the plurality of members stored on the member database Updating the balance information on the card, When a payment request based on a first bearer prepaid card held by a first member among the plurality of members is received, the card information for the first bearer prepaid card and the payment amount information Extracting balance information for the first bearer prepaid card of the first member stored last on the member database based on the card information for the first bearer prepaid card, Determining whether a payment amount for the merchandise exceeds a balance of the first bearer prepaid card based on balance information on the prepaid card and payment amount information for the merchandise; If it is determined that the remaining amount of the prepaid card is exceeded, A payment request based on the first bearer prepaid card is transmitted for an amount corresponding to the balance of the first bearer prepaid card among the settlement amount and a telephone number for the mobile terminal of the first member is transmitted from the member database And then connects to the communication company server based on the telephone number of the mobile terminal of the first member to transmit a micro payment request for the excess amount of the portion of the payment amount for the commodity exceeding the balance of the first bearer prepaid card .

The present invention relates to an apparatus and method for supporting an anonymous prepaid card payment based on a micropayment interlocking system, and more particularly, When a settlement request based on the first bearer prepaid card held by the first member among the plurality of members is received from the online store server, the payment amount for the commodity and the balance of the first bearer prepaid card Prepaid card, the payment for the commodity exceeds the balance of the first bearer prepaid card, the remaining balance remaining in the first bearer prepaid card among the settlement amount for the commodity is set as the payment processing for the first bearer prepaid card And the amount of the excess of the balance of the first bearer prepaid card is set so that the amount Payment processing is done by making a small payment based on the number one, even if the payment for the goods exceeds the balance of the first anonymous prepaid cards can be supported so that they can be successfully carried out the payment.

FIG. 1 is a system conceptual diagram schematically showing an overall system for explaining an anonymous prepaid card payment assistant based on a micropayment interlocking operation according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating a structure of an anonymous prepaid card settlement assisting apparatus based on a micropayment interlock according to an embodiment of the present invention.
3 is a flowchart illustrating an anonymous prepaid card payment assisting method based on a micropayment interlock according to an embodiment of the present invention.

While the invention is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail. It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention. Like reference numerals are used for like elements in describing each drawing.

It is to be understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, . On the other hand, when an element is referred to as being "directly connected" or "directly connected" to another element, it should be understood that there are no other elements in between.

The terminology used in this application is used only to describe a specific embodiment and is not intended to limit the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. In the present application, the terms "comprises" or "having" and the like are used to specify that there is a feature, a number, a step, an operation, an element, a component or a combination thereof described in the specification, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Terms such as those defined in commonly used dictionaries are to be interpreted as having a meaning consistent with the contextual meaning of the related art and are to be interpreted as either ideal or overly formal in the sense of the present application Do not.

Hereinafter, embodiments according to the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a system conceptual diagram schematically showing an overall system for explaining an anonymous prepaid card payment assistant based on a micropayment interlocking operation according to an embodiment of the present invention.

Referring to FIG. 1, there is shown an anonymous prepaid card settlement assisting device 110, an anonymous prepaid card issuing server 120, an online store server 130, and a communication company server 140 based on a micro settlement interlock.

First, in the bearer prepaid card payment assistant device 110 based on the micropayment payment interworking, the telephone number of the mobile terminal of each of the plurality of members, and the telephone number of each of the plurality of members, And a member database in which the card information for the bearer pre-paid card and the balance information for the bearer prepaid card issued to each of the plurality of members correspond to each other.

The bearer prepaid card settlement assisting device 110 based on the micropayment interlocking operation transmits the latest balance information on the bearer prepaid card issued to each of the plurality of members from the bearer prepaid card server 120 every predetermined period And update the balance information on the bearer prepaid card issued to each of the plurality of members stored on the member database based on the received latest balance information.

For example, the bearer prepaid card issuer server 120 receives the card information of the bearer prepaid card used by the customer from the settlement terminal of the company using a bearer prepaid card as a payment means such as a bus or a subway company every day at 10 pm , And the bearer prepaid card payment assistant 110 based on the micropayment payment integration collects the anonymous prepaid card issuer server 120 from the bearer prepaid card issuer server 120 every day at 11 o'clock every day and collects it on the database Receiving the latest balance information on the bearer prepaid card issued to each of the plurality of members stored in the member database and storing the latest balance information on the bearer prepaid card issued to each of the plurality of members stored on the member database on the basis of the received latest balance information, The balance information for the card can be updated.

In this situation, the first member 160 of the plurality of members accesses the online shop server 130 that provides the online shopping mall site using the user terminal 150 such as the desktop PC or smart phone of the user And then proceeds to settle the specific product through the first bearer prepaid card issued to the first member 160 while purchasing a specific commodity.

At this time, a payment window for payment processing for the specific merchandise may be displayed on the screen of the user terminal 150, and the first member 160 may enter the card information of the first bearer prepaid card into the payment window have. At this time, the user terminal 150 can transmit the card information of the first bearer prepaid card inputted through the payment window to the online store server 130. [

At this time, when the card information for the first bearer prepaid card is received as the payment information for the specific merchandise, the online shop server 130 transmits the bearer information to the bearer prepaid card payment assistant 110 based on the micropayment payment, The prepaid card can transmit a payment request based on the first bearer prepaid card held by the first bearer 160.

Then, the bearer prepaid card payment assistant 110 based on the micropayment payment interlock receives the payment information on the card information and the merchandise for the first bearer prepaid card from the online store server 130, Based on the card information for the card, the balance information for the first bearer prepaid card of the first member 160 stored last in the member database.

Then, the bearer-provided prepaid card payment assistant 110 based on the micropayment payment interlocks the settlement amount of the commodity based on the balance information for the first bearer prepaid card and the payment amount information for the commodity, It is possible to judge whether or not the balance of the prepaid card is exceeded.

If it is determined that the payment amount for the merchandise does not exceed the balance of the first bearer prepaid card, the bearer prepaid card payment assistant 110 based on the micropayment payment connection is notified to the bearer prepaid card company server 120 The payment request based on the first bearer prepaid card may be transmitted to the entire payment amount for the goods.

For example, if the payment amount for the product is "15,000 won ", and the balance of the first bearer prepaid card extracted from the member database is" 20,000 won ", the bearer- 110 may transmit a settlement request based on the first bearer prepaid card to the entire account of "15,000 won", which is the settlement amount for the goods, to the bearer prepaid card company server 120.

However, if it is determined that the payment amount for the merchandise exceeds the balance of the first bearer prepaid card, the bearer prepaid card payment assist device 110 based on the micropayment payment connection is set to the bearer prepaid card company server 120, The prepaid card can transmit a settlement request based on the first bearer prepaid card to an amount corresponding to the balance of the first bearer prepaid card among the settlement amount for the first bearer 160, And then connects to the communication company server 140 on the basis of the telephone number of the mobile terminal of the first member 160 to check the telephone number of the portion of the payment amount for the commodity exceeding the balance of the first bearer prepaid card A micropayment request for the excess amount may be transmitted.

For example, when the payment amount for the goods is "15,000 won ", and the balance of the first bearer prepaid card extracted from the member database is" 10,000 won ", the bearer- 110 prepares the first bearer prepaid card based on the first bearer prepaid card for "10,000 won" corresponding to the balance of the first bearer prepaid card among the "15,000 won" And then confirms the telephone number of the mobile terminal of the first member 160 from the member database and transmits the payment request to the communication server server 140 based on the telephone number of the mobile terminal of the first member 160 And transmits a small payment request for "5,000 won", which is an excess amount of the portion exceeding the balance of the first anonymous prepaid card, of "15,000 won" have.

If the payment request is transmitted from the bearer prepaid card payment assistant 110 to the bearer prepaid card company server 120 and the micro payment request is transmitted to the carrier server 140, May complete the settlement approval for the amount corresponding to the balance of the first bearer prepaid card, and then transmit the settlement approval message to the bearer prepaid card payment assistant 110 based on the small payment interlock, The prepaid card acceptance unit 140 may transmit the micropayment approval completion message to the bearer prepaid card payment assistant 110 based on the micropayment interlocking operation after completing the micropayment payment approval by the portion exceeding the balance of the first bearer prepaid card .

Then, when the bearer approval completion message is received from the bearer prepaid card company server 120 and the micro payment acceptance completion message is received from the communication company server 140 , And may transmit a final settlement approval message to the online store server 130 for the goods.

At this time, when the final payment approval completion message is received from the bearer prepaid card settlement assisting device 110 based on the small payment interlocking, the online store server 130 performs a purchase completion process Can be performed.

Thereafter, the bearer prepaid card issuer server 120, when the first member 160 next tags the first bearer prepaid card to the charge terminal equipped with the electronic tag reader to charge the balance, The charging terminal can read the electronic tag of the first bearer prepaid card and transmit the deduction information for the amount corresponding to the amount settled by the online store server 130, 1 Balance recorded in the electronic tag of the bearer prepaid card can be deducted.

Then, the communication company server 140 adds the communication fee for the mobile terminal of the first member 160 to the first member (" 5,000 won "), which is the small payment amount settled through the online store server 130 160).

As a result, according to the embodiment of the present invention, the bearer prepaid card settlement assisting device 110 based on the micropayment interlocking system can be configured such that the balance information of the bearer prepaid card for the plurality of members and the information If a payment request based on the first bearer prepaid card held by the first member 160 among the plurality of members is received from the online store server 130 after managing the database, Prepaid card is compared with the balance of the first bearer prepaid card and the amount of payment for the merchandise exceeds the balance of the first bearer prepaid card, The amount of the excess amount of the first bearer prepaid card is set to be less than the amount of money to be paid to the mobile member of the first member 160 So that by the payment processing is performed in a small settlement on the basis of the phone number, even if the payment for the goods exceeds the balance of the first anonymous prepaid cards can be supported so that they can be successfully carried out the payment.

As described above, the bearer prepaid card system receives the card information of the bearer prepaid card used by the customer from the settlement terminal of the company using the bearer prepaid card as the payment means only in a specific time zone, The prepaid card payment assist device 110 for a bearer-based prepaid card payment interlocking based on the micropayment interlocking system receives from the bearer prepaid card issuer server 120 the latest balance of the bearer prepaid card issued to each of the plurality of members Information is received and stored in the member database, the balance information of the bearer prepaid card of each member stored in the member database can not be managed in real time.

As a result, as in the embodiment described above, the bearer-free prepaid card payment assistant 110 based on the micropayment interlocking system can calculate the settlement amount for the commodity received from the online store server 130, If the settlement process is processed by simply comparing the balance information of the card, the settlement amount may not be matched.

For example, the bearer-provided prepaid card payment assistant 110 based on the micropayment payment intervention receives the balance information of the bearer prepaid card issued to each of the plurality of members from the bearer prepaid card issuer server 120 at 11:00 pm every day, Suppose you store it in a member database.

If, at 11:00 pm on July 13, 2015, the bearer prepaid card payment assistant 110 based on the micropayment interlocking system receives the balance for the bearer prepaid card issued to each of the plurality of members from the bearer prepaid card company server 120 After the information is received and stored in the member database, the first member 160 performs payment for the bus fee using the first bearer prepaid card at 10:00 am on July 14, 2015, When payment is made for goods through the auction store server 130 at 2:00 pm on the 14th day, the balance information for the first anonymous prepaid card stored on the member database is stored in the first member 160 Since the amount of the bus fare settled at 10:00 am on July 14, 2015 is not reflected, the bearer prepaid card settlement assisting device 110 based on the micropayment settlement is not charged for the first bearer prepaid card The billing process may not be processed based on the actual balance.

Accordingly, in order to solve such a problem, the bearer prepaid card payment assistant 110 based on the micropayment interlocking according to the embodiment of the present invention, when receiving a payment request from the online store server 130, The balance information of the bearer pre-paid card is stored in real time on the member database by using the balance information that is stored in consideration of the tendency of use of the bearer prepaid card of each member, Unmanaged parts can be considered.

In this connection, the bearer prepaid card settlement assisting device 110 based on the micropayment payment intervention has a balance correction ratio (hereinafter referred to as " balance correction rate ") in which different balance correction ratios are stored corresponding to the plurality of members, A database may be included.

At this time, when receiving the card information for the first bearer prepaid card and the payment amount information for the merchandise from the online store server 130, the bearer prepaid card payment assistant 110 based on the micropayment payment connection Extracts the balance information for the first bearer prepaid card, extracts a first balance correction rate stored in association with the membership information for the first member (160) from the balance correction rate database, The prepaid card can calculate the correction balance for the first bearer prepaid card by applying the first balance correction rate to the balance for the first bearer prepaid card.

For example, when the balance for the first bearer prepaid card is "30,000 won" and the first balance correction rate for the first member 160 stored in the balance correction rate database is "70%" , The bearer prepaid card settlement assisting apparatus 110 based on the micropayment interlock applies the first balance correcting rate of "70%" to the balance "30,000 won" for the first bearer prepaid card, You can calculate "21,000 won" as the balance for the card.

Then, when the compensation balance for the first bearer prepaid card is calculated, the bearer prepaid card payment assistant 110 based on the micropayment payment intervention checks whether the payment amount for the commodity exceeds the correction balance of the first bearer prepaid card Can be determined.

If it is determined that the payment amount for the merchandise does not exceed the compensation amount of the first bearer prepaid card, the bearer prepaid card payment assistant device 110 based on the micropayment payment connection is set to the bearer prepaid card company server 120 The payment request based on the first bearer prepaid card may be transmitted to the entire payment amount for the goods.

However, if it is determined that the payment amount for the merchandise exceeds the correction amount of the first bearer prepaid card, the bearer prepaid card payment assist device 110 based on the micropayment payment connection is notified to the bearer prepaid card company server 120 A payment request based on the first bearer prepaid card may be transmitted for an amount corresponding to a correction amount of the first bearer prepaid card among the settlement amount for the merchandise, And then connects to the communication company server 140 on the basis of the telephone number of the mobile terminal of the first member to check the telephone number of the portion of the payment amount for the commodity exceeding the correction balance of the first bearer prepaid card A micropayment request for the excess amount may be transmitted.

In this case, according to an embodiment of the present invention, the bearer prepaid card settlement assisting apparatus 110 based on the micropayment settlement intervention may be configured to determine, based on the balance correction ratio for each of the plurality of members stored on the balance correction rate database, The method may further include determining a balance correction ratio for each of the plurality of members based on a total payment amount of the bearer prepaid card used by the plurality of members for a specific period.

For example, in the case of the first member 160, the total payment amount through the first bearer prepaid card is "5,000 won" from 10:00 am to 9:00 pm, and in the case of the second member, 10:00 am to 9:00 pm The second member tends to use more of the bearer prepaid card than the first member 160 when the total payment amount through the second bearer prepaid card is "10,000 won ", so that the second member It is highly likely that the balance of the second bearer prepaid card stored in the member database has more fluctuated, so that the balance correction rate for the second member on the balance correction rate database is set to the first member 160 The balance correction ratio should be smaller than the ratio.

For this purpose, the bearer prepaid card payment assistant 110 based on the micropayment payment intervention can store and maintain a ratio table in which different balance correction ratios are recorded corresponding to a plurality of different payment amount ranges.

For example, information may be recorded in the ratio table as shown in Table 1 below.

Selected payment amount range Balance correction ratio Less than 1 won, less than 5,000 won 90% Less than 5,000 won, less than 10,000 won 80% Less than 10,000 won, less than 15,000 won 70% ... ...

Under this circumstance, the bearer-free prepaid card payment assistant 110 based on the micropayment payment interworking system can collect the total of the bearer prepaid cards of the plurality of members collected during the predetermined period from the bearer prepaid card server 120 every predetermined period The user can receive information on the payment amount.

For example, the bearer prepaid card settlement assisting device 110 based on the micropayment interlocking system may be provided to the bearer prepaid card server 120 at 11:00 pm every day from 9:00 am to 10:00 pm that day, Information about the total payment amount can be received.

Thereafter, each time the information on the total payment amount of the bearer prepaid card of each of the plurality of members is received, the bearer prepaid card payment assistant device 110 based on the micropayment payment interworking, Extracting a balance correction rate corresponding to the total payment amount of the bearer prepaid card of each of the plurality of members for each of the members, and then extracting the extracted balance correction ratio from the membership correction information of the plurality of members on the balance correction ratio database As shown in FIG.

For example, if the total payment amount of the first anonymous prepaid card of 9 am to 10 pm of the first member 160 received from the bearer prepaid card issuer server 120 at 11 pm on July 14, 2015 is "8,000 Quot ;, the bearer name prepaid card payment assistant 110 based on the micropayment interlocking system refers to the ratio table as shown in Table 1 to calculate the balance correction rate "80% " as the first member Such that it corresponds to the membership information for the user 160.

FIG. 2 is a diagram illustrating a structure of an anonymous prepaid card settlement assisting apparatus based on a micropayment interlock according to an embodiment of the present invention.

Referring to FIG. 2, the bearer prepaid card payment assistant device 210 based on the micropayment interlocking method according to the embodiment of the present invention includes a member database 211, a balance information updating unit 212, an information receiving unit 213, An information extraction unit 214, a determination unit 215, and a payment request unit 216. [

In the member database 211, for the member information on the plurality of members, a telephone number for each mobile terminal of each of the plurality of members, card information for an anonymous prepaid card issued to each of the plurality of members, Balance information of the bearer prepaid card issued to each of the members is stored so as to correspond to each other.

The balance information update unit 212 receives the latest balance information for the bearer prepaid card issued to each of the plurality of members from the bearer prepaid card server 230 every predetermined period and updates the balance information based on the received latest balance information And updates the balance information of the bearer prepaid card issued to each of the plurality of members stored in the database 211. [

The information receiving unit 213 receives the payment request based on the first bearer prepaid card held by the first member among the plurality of members from the online store server 240, 1 Receive the card information for the bearer prepaid card and the payment amount information for the goods.

The balance information extracting unit 214 extracts balance information on the first bearer prepaid card stored last in the member database 211 based on the card information for the first bearer prepaid card.

The determination unit 215 determines whether the payment amount for the merchandise exceeds the balance of the first anonymous prepaid card based on the balance information for the first bearer prepaid card and the payment amount information for the merchandise.

If the settlement request unit 216 determines that the payment amount for the merchandise exceeds the balance of the first bearer prepaid card, the settlement request unit 216 informs the bearer prepaid card company server 230 that the first bearer prepaid Transmits a settlement request based on the first bearer prepaid card to an amount corresponding to the balance of the card, confirms the telephone number of the mobile terminal of the first member from the member database 211, And transmits the micro settlement request for the excess amount of the portion of the payment amount for the merchandise exceeding the balance of the first bearer prepaid card by accessing the communication company server 250 based on the telephone number of the mobile terminal.

According to an embodiment of the present invention, when it is determined that the payment amount for the commodity does not exceed the balance of the first bearer prepaid card, the settlement request unit 216 transmits the payment to the bearer prepaid card server 230 The payment request based on the first bearer prepaid card may be transmitted to the entire payment amount for the goods.

According to an embodiment of the present invention, the bearer prepaid card payment assistant device 210 based on the micropayment interlocking operation may further include a balance correction rate database 217 and a balance correction unit 218.

The balance correction ratio database 217 stores different balance correction ratios for the plurality of members in association with the member information for the plurality of members.

When the remaining balance information for the first bearer prepaid card is extracted from the member database 211, the remaining amount correcting unit 218 reads the balance correcting rate database 217 from the balance correction rate database 217, A first balance correction rate is calculated and a correction balance for the first bearer prepaid card is calculated by applying the first balance correction rate to the balance for the first bearer prepaid card.

At this time, the determination unit 215 can determine whether the payment amount for the merchandise exceeds the compensation amount of the first bearer prepaid card, when the compensation balance for the first bearer prepaid card is calculated.

If the settlement request unit 216 determines that the payment amount for the commodity exceeds the correction amount of the first bearer prepaid card, the settlement request unit 216 informs the bearer prepaid card company server 230 of the settlement amount of the commodity A first payment request based on the first bearer prepaid card is transmitted to the amount corresponding to the compensation amount of the first bearer prepaid card, the phone number of the mobile terminal of the first member is confirmed from the member database 211, A connection request is made to the communication company server 250 based on the telephone number of the mobile terminal of the first member to request a micropayment for an excess amount of the portion of the payment amount for the commodity exceeding the correction amount of the first bearer prepaid card Lt; / RTI >

According to an embodiment of the present invention, when the settlement request unit 216 determines that the payment amount for the commodity does not exceed the correction balance of the first bearer prepaid card, the bearer prepaid card server 230 A payment request based on the first bearer prepaid card may be transmitted to the entire payment amount for the goods.

In addition, according to an embodiment of the present invention, the bearer prepaid card payment assist device 210 based on the micropayment settlement further includes a table holding unit 219, a usage information receiving unit 220 and a correction ratio storage unit 221 can do.

The table maintaining unit 219 stores and maintains a ratio table in which different balance correction ratios are recorded in association with a plurality of different selected payment amount ranges.

The usage information receiving unit 220 receives information on the total payment amount of the bearer prepaid card of each of the plurality of members collected during the predetermined period from the bearer prepaid card server 230 every predetermined period.

Each time the information on the total payment amount of the bearer prepaid card of each of the plurality of members is received, the correction ratio storage unit 221 refers to the ratio table so that the plurality of members And stores the extracted balance correction ratio so as to correspond to the membership information for the plurality of members on the balance correction ratio database 217. [

In addition, according to an embodiment of the present invention, although not shown in FIG. 2, a payment approval message transmission unit may be further included.

The settlement approval message transmission unit receives the settlement approval message for the commodity based on the first bearer prepaid card from the bearer prepaid card company server 320 and receives a settlement approval message from the communication company server 250 And transmits a final settlement approval message for the goods to the online store server (240).

2, the bearer prepaid card settlement assisting device 210 based on the micropayment interlock according to the embodiment of the present invention has been described. Here, the bearer prepaid card settlement assisting device 210 based on the micropayment interlocking operation according to the embodiment of the present invention corresponds to the configuration of the bearer prepaid card settlement assisting device 110 based on the micropayment interlocking described with reference to FIG. So that a detailed description thereof will be omitted.

3 is a flowchart illustrating an anonymous prepaid card payment assisting method based on a micropayment interlock according to an embodiment of the present invention.

In step S310, for the member information on the plurality of members, the telephone number for each mobile terminal of the plurality of members, the card information for the bearer prepaid card issued to each of the plurality of members, And the balance information of the bearer prepaid card issued to each of the plurality of users is stored so as to correspond to each other.

In step S320, the latest balance information on the bearer prepaid card issued to each of the plurality of members is received from the bearer prepaid card company server every predetermined period, and stored on the member database based on the received latest balance information And updates the remaining balance information for the bearer prepaid card issued to each of the plurality of members.

In step S330, when a payment request based on the first bearer prepaid card held by the first member among the plurality of members is received from the online store server, And receives the card information and the payment amount information for the goods.

In step S340, the balance information for the first bearer prepaid card stored last in the member database is extracted based on the card information for the first bearer prepaid card.

In step S350, it is determined whether the payment amount for the commodity exceeds the balance of the first bearer prepaid card based on the balance information for the first bearer prepaid card and the payment amount information for the commodity.

If it is determined in step S360 that the payment amount for the merchandise exceeds the balance of the first bearer prepaid card, the balance of the first bearer prepaid card among the payment amount for the merchandise to the bearer prepaid card server Transmits a settlement request based on the first bearer prepaid card to the corresponding amount, confirms the telephone number of the mobile terminal of the first member from the member database, To the communication company server and transmits a micro settlement request for an excess amount of a portion of the payment amount for the merchandise exceeding the balance of the first bearer prepaid card.

According to an embodiment of the present invention, in the case where it is determined that the settlement amount for the commodity does not exceed the balance of the first bearer prepaid card, And transmitting the settlement request based on the first bearer prepaid card to the entire payment amount for the goods to the prepaid card company server.

According to an embodiment of the present invention, the bearer prepaid card payment assisting method based on the micropayment interlocking method may further include a step of storing, in correspondence with the plurality of members, And when the remaining balance information for the first bearer prepaid card is extracted from the member database, the balance correcting ratio database is updated from the balance correcting ratio database to the balance correcting ratio database stored in association with the member information for the first member And calculating a correction balance for the first bearer prepaid card by extracting the one balance correction rate and applying the first balance correction rate to the balance for the first bearer prepaid card.

At this time, in step S350, it is possible to determine whether the payment amount for the merchandise exceeds the compensation amount of the first bearer prepaid card when the compensation balance for the first bearer prepaid card is calculated. In step S360 ), When the amount of settlement for the commodity is judged to exceed the correction amount of the first non-monetary prepaid card, the amount of money corresponding to the correction amount of the first non-monetary prepaid card A payment request based on the first bearer prepaid card is transmitted to the mobile terminal of the first member after confirming the telephone number of the mobile terminal of the first member from the member database, The prepaid card is connected to the communication company server on a basis of the payment amount of the commodity, May send a request for a nominal payment exceeds the amount of the part.

According to an embodiment of the present invention, in the case where it is determined that the settlement amount for the commodity does not exceed the compensation amount of the first bearer prepaid card, And transmitting the settlement request based on the first bearer prepaid card to the bearer prepaid card company server for the entire payment amount for the goods.

In addition, according to an embodiment of the present invention, a bearer prepaid card payment assisting method based on a micropayment interlocking method stores and maintains a ratio table in which different balance correction ratios are recorded corresponding to a plurality of different selected payment amount ranges Receiving information on the total payment amount of the bearer prepaid card of each of the plurality of members collected during the predetermined period from the bearer prepaid card company server for each of the predetermined periods, Each time the information on the total payment amount of the prepaid card is received, a balance correction ratio corresponding to the total payment amount of the bearer prepaid card of each of the plurality of members is calculated for each of the plurality of members with reference to the ratio table Extracts the extracted balance correction rate from the balance correction rate database The step of storing so as to correspond to the member information on member may further include.

In addition, according to an embodiment of the present invention, the bearer pre-paid card payment assisting method based on the micropayment settlement interception receives a settlement approval message for the commodity based on the first bearer prepaid card from the bearer prepaid card company server The method may further include the step of receiving a micro settlement approval message for the goods from the communication company server and transmitting a final settlement approval message for the goods to the online store server.

Hereinabove, a method of assisting the bearer prepaid card based on the micropayment interlocking according to the embodiment of the present invention has been described with reference to FIG. Here, the method of supporting an anonymous name prepaid card based on a micropayment interlocking operation according to an embodiment of the present invention is similar to the operation of an anonymous prepaid card payment assist device 110, 210 based on the micropayment interlocking described with reference to FIG. 1 and FIG. And therefore, a detailed description thereof will be omitted.

The method of supporting an anonymous prepaid card based on a micropayment interlocking method according to an embodiment of the present invention can be implemented by a computer program stored in a storage medium for execution through a combination with a computer.

In addition, the bearer prepaid card payment assisting method based on the micropayment interworking according to an embodiment of the present invention may be implemented in the form of a program command which can be executed through various computer means and recorded in a computer readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions recorded on the medium may be those specially designed and configured for the present invention or may be available to those skilled in the art of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape; optical media such as CD-ROMs and DVDs; magnetic media such as floppy disks; Magneto-optical media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

As described above, the present invention has been described with reference to particular embodiments, such as specific elements, and specific embodiments and drawings. However, it should be understood that the present invention is not limited to the above- And various modifications and changes may be made thereto by those skilled in the art to which the present invention pertains.

Accordingly, the spirit of the present invention should not be construed as being limited to the embodiments described, and all of the equivalents or equivalents of the claims, as well as the following claims, belong to the scope of the present invention .

110: Anonymous prepaid card payment assistant based on small payment settlement
120: Bearer prepaid card company server 130: Online store server
140: communication company server 150: user terminal
160: First Member
210: Anonymous prepaid card payment assistant based on small payment settlement
211: Member Database 212: Balance Information Updating Unit
213: Information receiving unit 214: Balance information extracting unit
215: Judgment section 216: Payment request section
217: balance correction rate database 218: balance correction section
219: table holding unit 220: use information receiving unit
221: Correction ratio storage unit
230: bearer prepaid card company server
240: Online store server
250:

Claims (12)

The method of claim 1, further comprising the steps of: providing a plurality of members with a phone number for each mobile terminal of the plurality of members, card information for an anonymous prepaid card issued to each of the plurality of members, A member database in which balance information for an anonymous prepaid card is stored so as to correspond to each other;
A balance correction ratio database in which different balance correction ratios are stored corresponding to the plurality of members in association with the member information on the plurality of members;
Receiving, from the bearer prepaid card issuer server, the latest balance information on the bearer prepaid card issued to each of the plurality of members every predetermined period, and based on the received latest balance information, A balance information update unit for updating the balance information on the bearer prepaid card issued to each of the plurality of members;
When a payment request based on a first bearer prepaid card held by a first member of the plurality of members is received from an online store server, the card information for the first bearer prepaid card and the merchandise An information receiving unit for receiving payment amount information about the payment amount;
A balance information extracting unit for extracting balance information for the first bearer prepaid card of the first member stored last on the member database based on the card information for the first bearer prepaid card;
Extracting a balance correction rate stored in association with the membership information for the first member from the balance correction rate database when the balance information for the first bearer prepaid card is extracted from the member database, A balance correcting unit for calculating a correction balance for the first bearer prepaid card by applying the first balance correcting ratio to the balance for the bearer prepaid card;
When a settlement amount for the merchandise is calculated based on a correction balance for the first bearer prepaid card and a settlement amount information for the merchandise, A judgment unit for judging whether or not the balance is exceeded; And
If it is determined that the payment amount for the merchandise exceeds the compensation amount of the first bearer prepaid card, the money amount corresponding to the compensation amount of the first bearer prepaid card among the payment amount for the merchandise to the bearer prepaid card company server And transmits a payment request based on the first bearer prepaid card to the mobile terminal of the first member after confirming the telephone number of the mobile terminal of the first member from the member database and based on the telephone number of the mobile terminal of the first member A settlement request unit for accessing a communication company server and transmitting a small amount settlement request for an excess amount of a portion exceeding a correction amount of the first bearer prepaid card,
A payment support apparatus for a bearer-based prepaid card based on a small payment interlocking system. delete delete The method according to claim 1,
The payment request unit
When it is determined that the settlement amount for the commodity does not exceed the correction amount of the first non-prepaid card, the settlement amount for the commodity to the bearer prepaid card company server is set based on the first non- An anonymous prepaid card payment assist device based on a micro payment interlocking system for transmitting a payment request. The method according to claim 1,
A table holding unit for storing and maintaining a ratio table in which different balance correction ratios are recorded corresponding to a plurality of different selected payment amount ranges;
A usage information receiving unit for receiving information on a total payment amount of an anonymous prepaid card of each of the plurality of members collected during a predetermined period from the bearer prepaid card company server at the selected period; And
Each time information on the total payment amount of the bearer prepaid card of each of the plurality of members is received, the total payment amount of the bearer prepaid card of each of the plurality of members is calculated for each of the plurality of members by referring to the ratio table, A correction ratio storage unit for extracting a balance correction ratio corresponding to the amount of money and storing the extracted balance correction ratio so as to correspond to the member information for the plurality of members on the balance correction ratio database,
Further comprising: a micropayment-based interlocking-based bearer prepaid card payment assist device. Wherein the member database maintenance unit is operable to store, for member information on a plurality of members, a telephone number for each mobile terminal of each of the plurality of members, card information for a bearer prepaid card issued to each of the plurality of members, Maintaining a member database in which balance information for an anonymous prepaid card issued to each is stored so as to correspond to each other;
Maintaining a balance correction ratio database in which balance correction rate database maintenance part stores different member balance correction ratios for each of the plurality of members with respect to member information on the plurality of members;
The balance information update unit receives the latest balance information on the bearer prepaid card issued to each of the plurality of members from the bearer prepaid card company server every predetermined period and transmits the latest balance information to the member database on the basis of the received latest balance information Updating balance information on an anonymous prepaid card issued to each of the plurality of stored members;
When the information receiving unit receives a payment request based on the first bearer prepaid card held by the first member among the plurality of members from the online store server, And receiving settlement amount information on the commodity;
Extracting balance information for the first bearer prepaid card of the first member stored last on the member database based on the card information for the first bearer prepaid card;
When the balance information for the first bearer prepaid card is extracted from the member database, the balance correcting unit extracts a first balance correction ratio stored from the balance correction rate database in association with the member information for the first member, Calculating a correction balance for the first bearer prepaid card by applying the first balance correction rate to the balance for the first bearer prepaid card;
When a determination is made by the determining unit that the payment amount for the merchandise on the basis of the compensation balance for the first bearer prepaid card and the payment amount information for the merchandise is the first bearer prepaid card, Determining whether or not a correction amount of the correction amount is exceeded; And
When it is determined that the payment amount for the merchandise exceeds the compensation amount of the first bearer prepaid card, the settlement request unit sends the compensation amount of the first bearer prepaid card to the bearer prepaid card company server Transmits a settlement request based on the first bearer prepaid card to the corresponding amount, confirms the telephone number of the mobile terminal of the first member from the member database, And transmitting a micro settlement request for an excess amount of a portion of the payment amount for the merchandise exceeding the correction balance of the first bearer prepaid card
Based payment intervention based on a small amount payment. delete delete The method according to claim 6,
If it is determined that the payment amount for the merchandise does not exceed the compensation amount of the first bearer prepaid card, the settlement requesting unit notifies the bearer prepaid card company server of the settlement amount of the merchandise to the first bearer prepaid card A step of transmitting a settlement request based on the settlement request
The method further comprising the steps of: The method according to claim 6,
Storing and maintaining a ratio table in which a table maintenance unit records different balance correction ratios for a plurality of different selected payment amount ranges;
Receiving information on the total payment amount of the bearer prepaid card of each of the plurality of members collected during the predetermined period from the bearer prepaid card server at the selected period at the use information receiving unit; And
Wherein the correction rate storage unit stores information on the total payment amount of the bearer prepaid card of each of the plurality of members by referring to the ratio table and for each of the plurality of members, Extracting a balance correction ratio corresponding to the total payment amount of the card, and storing the extracted balance correction ratio so as to correspond to the member information on the plurality of members on the balance correction ratio database
The method further comprising the steps of: A computer-readable recording medium recording a program for performing the method of any one of claims 6, 9, and 10. A computer program stored in a storage medium for executing the method of any one of claims 6, 9 or 10 through a combination with a computer.
KR1020150130694A 2015-09-16 2015-09-16 Micropayment linkage based anonymous prepaid card payment assistive device and method KR101759974B1 (en)

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