KR101815809B1 - A Virtual Account Management System - Google Patents

Abstract

An integrated virtual wallet management system according to the present invention includes: a seller server for receiving order item information from a customer group including at least two or more customers; a price determining module which includes a price calculation unit for grasping an amount of each product included in the order item information and calculating the total amount and a price dividing unit for calculating a sharing amount obtained by dividing the total amount; and a payment module including a payment requesting unit for requesting payment for the sharing amount from each customer by interworking with a financial company server and a payment amount transmitting unit for providing the paid sharing amount to the seller server. Accordingly, the present invention can calculate the sharing amount between users.

Description

{Virtual Account Management System}

The present invention relates to an integrated virtual wallet management system. More particularly, the present invention relates to an integrated virtual wallet management system in which a virtual wallet to be operated by depositing money from two or more users is created, and payment for offline and online order amounts is performed through a virtual wallet The present invention relates to an integrated virtual wallet management system that enables partition calculation between users.

In general, dutch pay or self-pay means that when two or more people calculate the cost of a product or service, each person does not calculate and calculates the cost of each person's portion .

In the past, most people used to calculate all the costs, but in recent years, the positive perception of Dutch paper has increased. Especially, college students and workers are naturally accepting the Dutch culture, and there are more cases of Dutch language peers. Companies are also pursuing the Dutch Peace Movement to spread a rational and transparent culture of ethical management.

However, unlike Europe or Japan, where Dutch culture has become a custom, there is still an inconvenience to Dutch language in Korea. I feel the burden of walking the money to several people, or standing in front of the counter to calculate the amount that each person will bear. In particular, the process of Dutch pager is very uncomfortable. You have to adjust the amount to be shared, have cash, and if there is no change, one person has to make the calculation and change the money. One person may pay for his / her own card and later receive money from another person. In this case, however, it is very uncomfortable to give cash or transfer money, and a cash receipt can not be issued.

In order to solve this problem, a conventional Dutch payment service using a credit card has been provided. However, in order to utilize the service, the shareholders must have a credit card of the same credit card company, There is a great inconvenience to use because the user has to access and input the homepage and make payment.

In order to solve such a problem, Korean Patent Laid-Open No. 10-2012-0108447 discloses 'Dutch payment method and system using credit card and communication terminal'. The present invention relates to a method and system for a Dutch payment method using a credit card and a communication terminal for sharing an amount of a settlement using a credit card to a plurality of persons. More particularly, the present invention relates to a method and system for using a credit card and a communication terminal using a credit card and a communication terminal, which can easily share a fee for a commodity or service paid by a credit card.

The method of the present invention using a credit card and a communication terminal according to an embodiment of the present invention includes a credit card and a method of paying a fee using a communication terminal to share an amount paid by a representative using at least one credit card (A) the card company server receives a request for sharing the amount of settlement from the representative terminal of the representative (the request for sharing includes the terminal information and the amount of contribution of the allocator); (b) the card company server transmits the sharing request to the communication company server; (c) the communication company server transmits a settlement request for the contribution amount to the assignee terminal of the assignee corresponding to the terminal information of the assignee; (d) the communication company server receives an approval agreement or an approval rejection of the settlement request from the assignee terminal; (e) transmitting to the card company server the details of the approval agreement or approval rejection in which the communication company server has returned; And (f) the card company server further comprises a step of charging the representative for the amount of the settlement by deducting the amount of charge according to the approval agreement returned to the communication company server.

Therefore, it is possible for the representative to share the amount of the payment made by the credit card to the shareholders by the communication fee, so that there is no need to exchange cash or transfer the account between the representatives and the shareholders, It has the effect of sharing the charge with the charge, and sharing the charge of the communication with the credit card etc.

However, such a Dutch payment method is a method in which a representative performs a settlement using a credit card for the entire amount of money, There is a limit to the possibility that the burden of the system can be overloaded.

 In order to solve this problem, as an integrated virtual wallet management system, a virtual wallet which is operated by depositing money from two or more users is created, and a settlement of the offline and online order amounts is performed through the virtual wallet, It is necessary to develop a new and advanced integrated virtual wallet management system that enables division calculation.

The present invention has been conceived to overcome the problems of the above-described technology, and it is an object of the present invention to provide a virtual wallet in which money is deposited and operated from two or more users, The primary goal is to enable partition calculations.

It is another object of the present invention to provide a billing system and a billing system for a user who uses the integrated virtual wallet management system of the present invention by using a billing code such as a barcode or a QR code and an application linked to the virtual wallet management system of the present invention, So that the system can be used.

Another object of the present invention is to make it possible to set the number of administrators for virtual wallet management and the authority of an administrator so as to increase the reliability among users who operate the virtual wallet.

It is a further object of the present invention to provide a new manager setting method using a mission providing method so as to provide an event between users operating a virtual wallet together.

In order to achieve the above object, the integrated virtual wallet management system according to the present invention comprises: a virtual wallet creation unit for creating a virtual wallet which is operated by depositing a deposit amount from at least two users; A virtual wallet management module including an administrator setting section for designating the virtual wallet as an administrator; An order execution module that receives order item information from a payment terminal provided for a service transaction and grasps payment amount information for the order item information; A payment module for performing withdrawal processing for the settlement amount from the virtual wallet; And a settlement management module including a settlement amount calculating unit for calculating a settlement amount obtained by dividing the settlement amount information, and a settlement managing unit for informing the user of the settlement amount calculated for each user.

Further, the order fulfillment module may further include a settlement code generation unit for generating and outputting a settlement code for the order information, and the settlement module may further include a payment settlement unit for clearing the settlement code through a user terminal And a virtual wallet settlement unit for withdrawing the settlement amount corresponding to the order information included in the scanned billing code from the virtual wallet.

In addition, the order fulfillment module may further include a terminal interlocking input unit for interfacing with the application installed in the user terminal owned by the user and receiving the order information, A settlement request unit for outputting a settlement request message to the user terminal of the manager in accordance with the input; and a withdrawal processing unit for performing a withdrawal processing based on the settlement amount from the virtual wallet in accordance with an input of permission or denial of the settlement request message through the user terminal of the administrator And a withdrawal acceptance unit for accepting an acceptance of withdrawal.

In addition, the virtual wallet management module may include an effective time setting unit for setting an effective time for the manager to access the virtual wallet and performing deposit and withdrawal, and an authentication time setting unit for setting an authentication password including at least one of a fingerprint and a password And an inputting and outputting request part for inputting deposit and withdrawal request information for the virtual wallet possessed by the user, and an authentication code input part for receiving a password string from the user terminal in response to the receipt and payment request information, And an additional authentication processing unit that further includes a password input part for performing a comparison process with the password.

In the integrated virtual wallet management system according to the present invention,

1) Provide an integrated virtual wallet management system that enables a user to calculate the division between offline and online orders by making a virtual wallet by depositing money from two or more users, ,

2) a billing code such as a bar code or a QR code, and an application linked to the virtual wallet management system of the present invention, a user using the integrated virtual wallet management system of the present invention can use the system more conveniently However,

3) By allowing the number of administrators and the administrator's authority to manage the virtual wallet to be set, it is possible to increase the reliability among the users who operate the virtual wallet,

4) Providing a new manager setting method using the mission providing method, and provided an event between the users operating the virtual wallet together.

1 is a conceptual diagram showing a schematic configuration of a system of the present invention;
2 is a block diagram showing a basic configuration of a system according to the present invention;
3 is a block diagram showing a detailed configuration of a system of the present invention;
4 is a conceptual diagram showing an example of a receipt including the settlement code of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. The accompanying drawings are not drawn to scale and wherein like reference numerals in the various drawings refer to like elements.

1 is a conceptual diagram showing a schematic configuration of a system 10 of the present invention.

1, the integrated virtual wallet management system 10 of the present invention includes a virtual wallet server 30 necessary for creation and management of a virtual wallet, a user 20 participating in the virtual wallet, And a settlement terminal 40 for performing the settlement.

The virtual wallet server 30 functions to create and manage a virtual wallet, which is interlocked with a banker, a card company, and the like to form a virtual wallet. Also, it is needless to say that the virtual wallet server 30 can be a banking company that can deposit and withdraw money by using not only the existing bank but also a virtual wallet or the like. This virtual wallet server 30 takes charge of the creation and destruction of the virtual wallet, manages the money received from the user 20, and performs the actual settlement to the settlement terminal 40. [

In this case, the virtual wallet is a kind of virtual account, and when a payment is made using a bank transfer, a credit card or a check card type card, a point, a mobile phone settlement, or a virtual currency, (Charge) process. Therefore, the term "deposit" here refers not only to transfer of money or transfer of money to a bank account, but also to transfer of money through payment, credit card or check card type payment, points, mobile phone settlement, virtual money, etc. Is included.

The user 20 is an object participating in the virtual wallet and is an object participating in the virtual wallet using the integrated virtual wallet management system 10 of the present invention. At this time, the user 20 is based on two or more persons. The users 20 deposit the money together in the virtual wallet and make an actual settlement to the settlement terminal 40 through the deposited virtual wallet, And to make a partial payment through the wallet. These users (20) are generally a group that operates the same money with the same company or club, relationships such as friendship and lover relationship. In addition, the user 20 installs an application or a program on a user terminal such as a smart phone or a personal computer (PC) in order to deposit money in the virtual wallet, and easily deposits the money into the virtual wallet Of course it is possible.

The settlement terminal 40 is actually a settlement through the virtual wallet. In other words, the settlement terminal 40 can be a POS of the offline store. Alternatively, when the POS device is not provided in the offline store, it is a matter of course that the smartphone device or other device in the store provided with an application or program for payment can be the payment terminal 40. (Virtual wallet web site) for payment through a PC or the like, the PC may also serve as the settlement terminal 40. [

However, since the settlement terminal 40 is not limited to off-line settlement, the settlement server 40 for online settlement or the settlement module 300 for the online market can be all. It is needless to say that all the modules prepared for payment of various usage amounts such as mobile payment can be all the settlement terminal 40.

In addition, the settlement terminal 40 is a terminal for which payment is actually performed through the virtual wallet and is provided with money. If the settlement is performed and money can be paid, the settlement terminal 40 is not limited to a specific terminal. It is also possible that money is transferred to the bank account when the settlement using the settlement terminal 40 is performed through the cooperation with the bank account of the user who is being paid.

The basic structure and detailed configuration of the integrated virtual wallet management system 10 of the present invention will be described in detail with reference to the drawings.

2 is a block diagram showing the basic configuration of the system 10 of the present invention.

Referring to FIG. 2, the integrated virtual wallet management system 10 of the present invention includes a virtual wallet creation unit 110 for creating a virtual wallet by receiving a deposit amount from at least two users 20, , And an administrator setting unit (120) for designating at least one of the users (20) as an administrator for the virtual wallet. An order fulfillment module (200) for receiving order item information from a payment terminal (40) provided for a service transaction and grasping payment amount information for the order item information; A payment module (300) for performing withdrawal processing for the payment amount from the virtual wallet; And a settlement management unit 420 for informing the user 20 of the amount of settlement calculated for each user 20. The settlement amount calculation unit 410 calculates a settlement amount by dividing the settlement amount information, And a module (400).

The virtual wallet management module 100 has a function of creating a virtual wallet in which a deposit amount is deposited from at least two users 20 and designating at least one of the users 20 as an administrator for the virtual wallet And includes a virtual wallet creation unit 110 and an administrator setting unit 120 for this purpose.

The virtual wallet creation unit 110 creates a virtual wallet that is operated by depositing a deposit amount from at least two users 20 and can create and operate a virtual wallet in the virtual wallet server 30 Function. At this time, various methods can be used in the method of creating a virtual wallet, so that there is no limitation on a specific virtual wallet or virtual account creation method.

In addition, the users 20 deposit the contribution amount in the virtual wallet to operate the virtual wallet. At this time, the sharing amount may be the same amount as the membership fee, It is of course possible to set the contribution amount and deposit the amount in the virtual wallet and operate the same.

The administrator setting unit 120 performs a function of designating at least one of the users 20 as an administrator for the virtual wallet. At this time, the manager is a management subject for the virtual wallet which can confirm and manage the deposit details and the withdrawal details as well as the deposits and withdrawals for the virtual wallets, and can manage any one of the users 20 participating in the partial settlement through the virtual wallet The manager becomes the manager who manages the virtual wallet as a representative of the user 20. In addition, such an administrator can also perform withdrawal for the amount deposited in the virtual wallet. For this purpose, the virtual wallet can be interlocked with the credit card, check card, traffic card, etc. of the user 20, Of course it is.

The order fulfillment module 200 receives the order information from the settlement terminal 40 provided for the service transaction and grasps the settlement amount information for the order information, (QR code) which will be described later or through a POS (Pay-Per-Click) code which will be described later. In order to settle the Internet payment, It is possible to input the item information and to grasp the amount of payment information.

The settlement module 300 performs a withdrawal process for the settlement amount from the virtual wallet, which is performed through the settlement terminal 40 described above. At this time, the settlement terminal 40 performs the withdrawal process from the virtual wallet, and the withdrawal process for the settlement amount is performed from the virtual wallet in which the deposit amount is deposited. In the above description, the virtual wallet can be operated through the amount of money deposited for each user 20, so that the partial payment between the users 20 can be automatically used through the withdrawal processing through the virtual wallet.

In addition, it is possible to additionally provide a check card or an app card in conjunction with the virtual wallet. Accordingly, when the payment is made through a check card or an app card, the automatic withdrawal processing is performed from the virtual wallet, Of course, it is also possible to raise. In this case, the owner of a check card or an app card can generally be an administrator.

The settlement management module 400 calculates a settlement amount obtained by dividing the settlement amount information and informs the user 20 of the settlement amount calculated for each user 20. For this purpose, (410) and a settlement management unit (420).

The settlement amount calculation unit 410 calculates the settlement amount by dividing the settlement amount information. The settlement amount calculation unit 410 divides the settlement amount information into the number of the users 20 participating in the virtual wallet, A method of calculating the amount of settlement for each user 20 in accordance with the ratio is used.

The settlement management unit 420 performs a function of informing the user 20 of the settlement amount calculated for each user 20 through the settlement amount calculation unit 410 described above. It is possible to guide the user 20 to the amount of settlement in cooperation with a program or an application installed in a user terminal such as a smart phone, a tablet PC or a desktop.

Accordingly, the integrated virtual wallet management system 10 creates a virtual wallet in which money is deposited and received from two or more users, and then performs settlement of the offline and online order amounts through the virtual wallet, It is possible to easily guide the settled amount settled by the user 20 not only to increase the convenience of division calculation between the users 20 but also to allow the user 20 to be more easily informed about the amount used by the user 20 Respectively.

In addition, the structure and detailed construction that may be additionally provided in the integrated virtual wallet management system 10 will be described in detail with reference to the drawings.

FIG. 3 is a block diagram illustrating a detailed configuration of the system 10 of the present invention, and FIG. 4 is a conceptual diagram illustrating an example of a receipt including the settlement code of the present invention.

Hereinafter, with reference to FIG. 2 and FIG. 3, additional configurations and detailed configurations that can be included in the integrated virtual wallet management system 10 of the present invention will be described.

The order fulfillment module 200 may further include a settlement code generation unit 210 for generating and outputting a settlement code for the order information. A billing code scanning unit 310 for scanning the billing code through a user terminal owned by the billing unit 310, and a billing code scanning unit 310 for billing the payment information corresponding to the billing information included in the billing code And a wallet payment unit 320.

The billing code generating unit 210 that can be further included in the order fulfillment module 200 is a billing code generating unit that is interlocked with the virtual wallet server 30 and the settlement terminal 40 described above and generates a settlement code In this case, the billing code is a QR code, a bar code, or other encrypted code, which allows the user to connect to a separate URL, an Internet site, or a payment window according to the scanning.

The billing code scanning unit 310, which may further be included in the payment module 300, performs a function of scanning the billing code through a user terminal held by the user 20, The billing code can be photographed or scanned through an additional function of an installed application or an application or a program that can be provided for depositing the virtual wallet to recognize the billing code. This will be referred to as bar code scanning or QR code scanning through a conventional camera, so a detailed description will be omitted.

The virtual wallet payment unit 320, which may further be included in the payment module 300, functions to withdraw the payment amount included in the scanned payment code from the virtual wallet, To connect to a URL, an internet site, and a payment window so that the payment amount can be withdrawn from the virtual wallet.

Accordingly, when the virtual wallet is interlocked through an application or the like without providing a card or the like, the withdrawal process can be easily performed from the virtual wallet only by scanning the settlement code through the user terminal. Thus, the integrated virtual wallet management system 10 ) Can be made easier for the user 20 to use.

3, the order fulfillment module 200 includes a terminal interlocking input unit 210 interlocked with an application installed in the user terminal held by the user 20 and receiving the order information, The payment module 300 may include a payment request unit 330 for outputting a payment request message to the user terminal of the manager according to the input of the order information through the application, And a withdrawal permission unit 340 for performing withdrawal processing based on a payment amount from the virtual wallet in accordance with an input of permission or non-acceptance of the payment request message through the user terminal of the administrator.

The terminal interlocking input unit 220, which may be further included in the order fulfillment module 200, performs a function of receiving the order information item in cooperation with an application installed in the user terminal held by the user 20, The above-described virtual wallet linked application is installed in a user terminal such as the Internet, and an order item can be inputted through the application through the virtual wallet linked application.

To this end, the POS provided in the off-line store and the above-described user terminal must be interlinked. Accordingly, the location information of the user terminal can be recognized and communicated through the POS and the Bluetooth via the adjacent POS system, thereby enabling easy ordering through the application in the offline store. It is also possible to photograph or scan an order form through equipment provided in the store, or to recognize the order details through OCR or the like. In the case of online settlement, the online site can be interlocked with an application so that the user can access the online site in the application, thereby making it possible to input order information more conveniently.

The payment request unit 330, which may be further included in the payment module 300, performs a function of outputting a payment request message to the user terminal of the manager according to the input of the order information through the application. The order information is input from the user 20, which is not an administrator, through an application installed in the user terminal of the user 20 as an administrator, so that a payment request message for the order information is outputted in a manner such as pop-up It is possible to allow the administrator to input the permission for payment. This is because the manager who plays the role of representative management for the virtual wallet of the user 20 grasps whether or not the order item information is input and permits the payment for the order.

The withdrawal permission section 340, which may be further included in the payment module 300, has a function of performing withdrawal processing based on a payment amount from the virtual wallet in accordance with an input of permission or denial of the payment request message through the user terminal of the manager And the withdrawal processing for the settlement amount is performed from the virtual wallet only when the authorization is inputted according to the payment request message from the manager so that the manager can manage the payment.

As another additional function, the virtual wallet management module 100 includes an effective time setting unit 130 for setting an effective time for the manager to access the virtual wallet and performing deposit and withdrawal, And receives an input / output request information for the virtual wallet possessed by the user (20), receives an input password from the user terminal in response to the receipt / And may further include an additional authentication processing unit 140 for receiving the authentication password and comparing it with the authentication password.

The effective time setting unit 130, which may be further included in the virtual wallet management module 100, performs a function of setting an effective time for the manager to access the virtual wallet and performing deposit / withdrawal, In order to prevent the administrator from abusing the privilege and depositing or withdrawing money, the manager sets the validity time so that the deposit / withdrawal of the virtual wallet can be performed only within the valid period of time.

The additional authentication processing unit 140 is also for enhancing the security of the virtual wallet. To this end, the additional authentication processing unit 140 includes an authentication password input part 141 for receiving and storing an authentication password including at least one of a fingerprint and a password from the administrator, A deposit / withdrawal request part (142) for receiving deposit / withdrawal request information for the virtual wallet possessed by the user (20), a password input unit for receiving an input password from the user terminal according to receipt / And further includes an input part 143.

Accordingly, the authentication password can be input through the authentication password input part 141 to increase the security when performing the payment through the input of the authentication password. When the deposit / withdrawal request for the virtual wallet is attempted, the deposit / withdrawal request part 142 Payment request information for the virtual wallet possessed by the user 20 and then the password input part 143 receives the input password from the user terminal held by the user 20, It is possible to make the virtual wallet deposit and withdrawal only when the authentication password and the input password coincide with each other.

In this case, the input password may be a password string inputted through a user terminal such as a smart phone or a fingerprint inputted through fingerprint scanning. When the authentication password is set in the authentication password input part 141, The password is a password string, and if the authentication password is set to fingerprint, the input password can be a fingerprint. This can be realized by a fingerprint recognition function provided in a smartphone recently, so a detailed description will be omitted.

In addition, the security enhancement function can be performed not only in the simple deposit / withdrawal from the virtual wallet, but also in the virtual wallet withdrawal processing for the settlement amount. Therefore, even when the virtual wallet withdrawal is attempted for the payment amount, It is of course possible to perform additional authentication at the time of payment by receiving the input password.

In addition to the security enhancement function, the administrator setting unit 120 includes a number-of-persons setting part 121 for setting the number of persons of the manager, an authority setting part 122 for setting the virtual wallet access right of the manager, The validity time setting unit 130 may include a number-of-persons setting part 131 for setting an effective time of the virtual wallet in accordance with the number of persons of the manager, And an authority-specific setting part 132 for setting an effective time.

The number-of-persons setting part 121, which can be further included in the manager setting unit 120, sets the number of people in the manager. In the virtual wallet management system 10 according to the present invention, And how many of them can become administrators. The purpose of this study is to control the number and authority of administrators by adjusting the number of administrators having greater authority in virtual wallet management.

The authority setting part 122, which can be further included in the manager setting unit 120, functions to set the virtual wallet access right of the manager. In this case, the virtual wallet access right refers to only the deposit / withdrawal The user can check the deposit history of the user 20 and check the withdrawal history of the user 20 or the like to control the degree of the manager's involvement in various situations that may occur according to the virtual wallet operation. It is needless to say that the authority setting part 122 may be configured to set the authority differently for each manager when the number of managers is two or more in cooperation with the number-of-persons setting part 121 described above.

The number-of-persons setting part 131, which can be included in the valid time setting part 130, sets a valid time of the virtual wallet according to the number of the managers, The virtual wallet is configured to prevent the abuse of the authority of the administrator by setting the valid time differently according to the number of the administrators and the authority of the administrator in order to increase the security of the virtual wallet.

In yet another embodiment, the order fulfillment module 200 includes an order position detector 230 for detecting order position information, which is position information on which the order information is input, in cooperation with a GPS, The settlement management unit 420 may further calculate a settlement amount calculated according to the order position information, and determine a position frequency of the order position information, To the user terminal possessed by the user 20.

The order position determination unit 230, which can be further included in the order fulfillment module 200, functions to grasp the order position information, which is the position information on which the order information is input, in cooperation with the GPS. And performs a function of interlocking with the GPS function provided in the terminal or interfacing with the GPS provided in the POS settlement terminal 40 in the offline store to grasp the order position information which is the position information on which the order information is inputted.

The position frequency determination unit 240, which may be further included in the order fulfillment module 200, performs a function of determining a frequency of position, which is a frequency of order position information calculated for each region in cooperation with GPS, And the frequency of order information can be compared with each region by knowing the frequency of the location information. This makes it possible to compare and analyze how many settlements have been performed in a specific area, so that it is possible to grasp in which area the users 20 included in the virtual wallet are performing settlement.

Accordingly, the settlement management unit 420 calculates the settlement amount calculated according to the order location information, and transmits the calculated settlement amount to the user terminal owned by the user 20, thereby determining the settlement amount as well as the location information of the place where the order is performed .

In addition, the settlement management module 400 may further include a payment amount checking unit 430 for checking the overpayment amount paid by the user 20 subscribed to the virtual wallet, The manager setting unit 120 includes a position information comparison part 123 for comparing the position information with the highest position frequency and the position information of the user terminal to determine the proximity, And an overall reflecting part 124 for designating at least one of the users 20 as an administrator based on the settlement amount and the proximity.

The prepayment amount determination unit 430, which may further be included in the settlement management module 400, performs a function of grasping the prepayment amount paid by the user 20 subscribed to the virtual wallet, The prepaid amount means the total amount of settlement settled to the user 20 through the virtual wallet used before the virtual wallet in which the user 20 is currently included. Since the calculation of the settlement amount is based on settlement, the payment amount paid by the user 20 means the total amount of the settlement amount settled to the user 20 through the virtual wallet in which the user 20 has been in the meantime . ≪ / RTI >

The position frequency determination unit 240 compares the position information having the highest position frequency and the average position information of the user terminal, which can be further included in the manager setting unit 120, The position information having the highest frequency of the determined position is compared with the average position information, which is the average of the position information of the user terminal tracked by the GPS, that is, the average position information of the user terminal held by the user 20, .

The integrated reflecting part 124 that can be further included in the manager setting part 120 may designate at least one of the users 20 based on the payment amount settled from the user 20 and the proximity to the manager And it is determined that the virtual wallet management system 10 has been used for a long period of time as the user 20 having a higher overpayment amount is determined to be suitable for the administrator. It can be said that it is suitable to perform settlement representatively when designating as an administrator.

Accordingly, the virtual wallet management system 10 of the present invention can be used for a long time by the administrator-specified configuration, and the user 20 having excellent adaptability to the virtual wallet management system 10 and the user 20 staying close to the place where mainly settlement is performed can be managed So that the efficiency of the administrator designated can be increased.

The virtual wallet management system 10 may further include an anniversary input unit 510 for receiving the anniversary from the user 20 and a password combination for extracting and reassembling numbers included in the anniversary to generate a passphrase A request providing unit 530 for providing the user 20 with a quest for generating the same character string as the ciphertext and an execution execution unit for determining whether to execute the quest through the user 20 The mission management module 400 may further include a determination unit 540 and a mission calculation module 500 that calculates a score of the quest performed by the mission management module 400. The settlement management module 400 may calculate And a dividing ratio calculating unit 440 for calculating the dividing ratio of the settlement amount information according to the score of the score.

The mission providing module 500 combines the passwords through the anniversary of the user 20 participating in the joint cost management using the integrated virtual wallet management system 10 of the present invention, provides a quest for the password, The division ratio calculating unit 440 included in the settlement managing module 400 according to the calculated score calculates and outputs the score of the calculated score The division ratio of the settlement amount information is calculated according to the low and high rates, and the division ratio is adjusted so that the difference in the settlement amount for each user 20 can be set.

At this time, the mission providing module 500 basically includes the anniversary input unit 510, the password combination unit 520, the quest providing unit 530, the execution determining unit 540, and the score calculating unit 550, Respectively.

The anniversary entry unit 510 receives the anniversary from the user 20. The anniversary date is an anniversary among the users 20 participating in the joint expense operation through the virtual wallet, 20), or the date of the founding of the meeting, if the company is the same as the anniversary of the founding of the company, or if the lover is the anniversary of the lover only.

The cryptographic combination unit 520 extracts and recombines the numbers included in the anniversary to generate ciphertexts. The ciphertext 520 extracts and reassembles the corresponding numbers as much as the number includes the numbers, and generates ciphertexts. It changes the arrangement of numbers, or extracts only certain digits to generate a certain number of ciphertexts. It is of course possible to assign a specific meaning to a cipher text to generate a cipher text such as '17171771 = I love you'.

The quest providing unit 530 functions to provide the user 20 with a quest for generating the same character string as the ciphertext, for example, a method of notifying only the number of characters of a ciphertext and matching the ciphertext, You can provide a quest by giving only the type of the number and giving it a reassembly quest, or by providing a quiz about the placement and number of characters in the ciphertext.

The execution determination unit 540 determines whether to execute the quest through the user 20. The execution determination unit 540 may input a character string through a user terminal such as a smart phone possessed by the user 20, When the quest provided through the one quiz providing unit 530 is in the form of a quiz, an answer to the quiz is inputted from the user terminal and it can be judged whether or not to execute the quiz.

The score calculation unit 550 calculates a score for the performed quest. The score calculation unit 550 gives a score of 100 points when it completely coincides with the cipher text, and 50 points and 70 points according to the number of coincident characters when they partially match And may include a partial score corresponding to a quiz related to the arrangement and number of characters included in the cipher text.

Through the mission providing module 500, it is possible to increase the playability by providing the quest based on the combined ciphertext from the meaningful anniversary among the users 20, and it is possible to increase the playability based on the score calculated through the quest progress The dividing ratio can be calculated, so that it can be used for the distribution of the remaining virtual wallet balance so that the participation rate of the user 20 can be increased.

At this time, the cryptographic combination unit 520 extracts the numbers included in the anniversary, and generates a ciphertext by recombining the numbers. At this time, by providing coordinates obtained by coordinate- ing the positional information on the specific position as the ciphertext, .

To this end, the cryptographic key combination unit 520 includes a numeral extracting part 521 for extracting a numeral included in the anniversary, and a cryptographic key generator 520 for generating coordinate information for a specific position by recombining the digits, And a coordinate information generation part 522 that designates a cipher text.

The numeral extracting part 521 which can be further included in the cryptographic combination unit 520 extracts numbers included in the anniversaries input from the user 20 as a basic configuration of the cryptographic combination unit 520. [ In this case, both of the method of extracting a number and the method of excluding a duplicate number may be used. In the case of receiving a plurality of anniversaries, a number included in all the anniversaries may be extracted.

The coordinate information generating part 522, which can be further included in the cryptographic combination unit 520, performs the function of generating coordinates information for a specific position by reassembling the numbers, and designating the generated coordinate information as a cipher text. And generates coordinate information for a specific position through recombination of numbers. Generally, the coordinate information may be coordinate information of a specific store or a company. In addition to this, coordinate information such as a shop, which is meaningful among the users 20 included in the virtual wallet, It can be said that

In this case, the function of interfacing with the application installed in the user terminal held by the user 20 through the terminal interlocking input unit 220 included in the order fulfillment module 200 to receive the order information The execution determination unit 540 determines whether or not to input the order information in the coordinate information through the user terminal in cooperation with the GPS, It is possible to judge whether or not to input information, and judge whether or not to execute the quest.

Here, it is further possible to calculate the division ratio of the settlement amount through the above-described decryption and the input of the order information, and to perform the above-described administrator setting based on the dividing ratio. For this purpose, , The position information comparison part 123 compares the reference area information with the position frequency of which is equal to or greater than a predetermined reference frequency and the position information of the user terminal so as to grasp the proximity, The user 20 may designate at least one of the users 20 as an administrator based on the payment amount settled from the user 20 and the proximity and whether or not to execute the quest determined through the execution determination unit 540 . In this case, since the above description is referred to in the calculation of the overcharge amount calculation and the calculation of the position frequency and the proximity calculation method, further detailed description will be omitted.

The location information comparison part 123 compares the reference area information having the position frequency with the predetermined reference frequency and the position information of the user terminal to determine the proximity, And determines the proximity by comparing the reference area information with the position information of the user terminal.

In this case, it is preferable that the proximity is grasped through the following equation (1).

Equation 1,

는 유저단말에 대해 산출된 인접도이고,

는 선택된 기준지역정보의 위치정보이며,

는 유저단말의 위치정보이고,

는 산출된 기준지역정보의 총 개수를 나타낸다.here,

Is the proximity calculated for the user terminal,

Is the location information of the selected reference area information,

Is position information of the user terminal,

Represents the total number of the calculated reference area information.

Therefore, according to the proximity calculation method, it is possible to compare the order position information having the position frequency number equal to or greater than the reference frequency with the position information of the user terminal after determining it as the reference area information, thereby increasing the efficiency of the proximity calculation .

In addition, the total reflecting part 124 may include at least one of the users 20 based on the payment amount settled from the user 20, the proximity, and whether or not to execute the quest determined through the execution determining part 540 At this time, the collective reflecting part 124 designates at least one of the users 20 as an administrator according to the calculated value calculated by the following equation (2) .

Equation (2)

는 산출된 산출값,

는 1 이상의 정수이며,

는 가상지갑에 참여한 유저(20)의 수,

는

번째 유저(20)의 기결제금액이고,

는 수학식 1을 통해

번째 유저(20)에 대해 산출된 인접도이며,

는 퀘스트수행가중치이다.here,

Is the calculated value,

Is an integer of 1 or more,

The number of users 20 participating in the virtual wallet,

The

Th user 20,

Is expressed by Equation (1)

Lt; th > user 20,

Is the quest performance weight.

Accordingly, the administrator can be set to reflect the proximity calculated through Equation (1), the weight obtained according to the quest execution, and the overpayment amount for each of the users 20 through the above-described method, It can be increased.

In addition, in the cipher text designation configuration of the coordinate information through the cipher combination unit 520, the cipher combination unit 520 may include a local information calculation part (e.g., 523), a coordinate information grasp part (524) for grasping coordinate information of order position information included in the reference area information, a similarity calculation part (525) for grasping the numbers included in the anniversary and the similarity to the coordinate information And a ciphertext designation part 526 designating one of the coordinate information as the ciphertext based on the similarity.

Based on the similarity between the coordinate information corresponding to the order location information corresponding to the reference location information with frequent visits by the users 20 and the numbers included in the anniversaries, ) Coordinate information is specified as a ciphertext, the user 20 provides a familiar place where the user 20 frequently performed settlement, as coordinate information corresponding to the cipher text, by designating the coordinates of the store visited frequently by the users 20 as a cipher text, (20) to control the difficulty level of the quest.

As described above, the configuration and operation of the integrated virtual wallet management system 10 according to the present invention are described above and illustrated in the drawings. However, the present invention is not limited to the above description and drawings And it is to be understood that various changes and modifications may be made without departing from the spirit of the invention.

10: System 20: User
30: virtual wallet server 40: payment terminal
100: virtual wallet management module 110: virtual wallet creation module
120: Manager setting section 121: Number of persons setting part
122: Setting Permissions Part 123: Location Information Comparison Part
124: Integrated Reflection Part 130: Effective Time Setting Unit
131: Setting by number of people Part 132: Setting by permission part
140: additional authentication processing unit 141: authentication password input part
142: Request for withdrawal Part 143: Password entry part
200: Order fulfillment module 210:
220: terminal interlocking input unit 230: order positioning unit
240: position frequency determination unit 300:
310: payment code scanning unit 320: virtual wallet settlement unit
330: payment request unit 340: withdrawal permission unit
400: Settlement management module 410: Settlement amount calculation unit
420: settlement management unit 430:
440: Split ratio calculating unit 500: Mission providing module
510: anniversary input unit 520: password combination unit
521: Number extraction part 522: Coordinate information generation part
523: Local information calculation part 524: Coordination information part
525: Calculating the degree of similarity Part 526:
530: Quest providing unit 540: Execution decision unit
550: score calculation unit

Claims (13)

As an integrated virtual wallet management system,
A virtual wallet creation module that creates a virtual wallet that is operated by receiving a contribution amount from at least two users and an administrator setting unit that designates at least one of the users as an administrator for the virtual wallet;
And an order receiving unit for receiving the order information from the payment terminal provided for the service transaction and recognizing the payment amount information for the order information, And a position frequency determination unit for determining a frequency of position, which is a frequency of order position information calculated for each region in cooperation with GPS,
A payment module for performing withdrawal processing for the settlement amount from the virtual wallet;
A settlement management module for calculating a settlement amount calculated by dividing the settlement amount information, and a settlement managing module for calculating a settlement amount calculated according to the order position information and transmitting the calculated settlement amount to a user terminal owned by the user; The integrated virtual wallet management system. The method according to claim 1,
The order fulfillment module comprises:
Further comprising: a payment code generation unit for generating and outputting a payment code for the payment amount included in the order information,
The payment module includes:
A billing code scanning unit for scanning the billing code through a user terminal owned by the user,
Further comprising a virtual wallet payment unit for paying out the payment amount included in the payment code scanned from the virtual wallet. The method according to claim 1,
The order fulfillment module comprises:
Further comprising a terminal interlocking input unit operable to interoperate with an application installed in the user terminal owned by the user and receive the order information,
The payment module includes:
A payment request unit for outputting a payment request message to the user terminal of the manager according to the input of the order information through the application;
Further comprising a withdrawal permission unit for performing a withdrawal process based on a payment amount from the virtual wallet in accordance with an input of permission or non-acceptance of the settlement request message through the user terminal of the administrator. The method according to claim 1,
The virtual wallet management module,
An effective time setting unit for setting an effective time when the manager connects to the virtual wallet and can perform deposit and withdrawal,
An authentication password input part for receiving and storing an authentication password including at least one of a fingerprint and a password from the manager, a deposit / withdrawal request part for receiving deposit / withdrawal request information for the virtual wallet possessed by the user, Further comprising an additional authentication processing part for receiving an input password from a user terminal held by the user according to reception of the information and for comparing the input password with the authentication password. 5. The method of claim 4,
Wherein the manager setting unit
A number-of-people setting part for setting the number of persons of the manager,
And an authority setting part for setting the virtual wallet access right of the manager,
The effective time setting unit may set,
A number-of-persons setting part for setting an effective time of the virtual wallet according to the number of the managers,
Further comprising an authority-specific setting part for setting an effective time of the virtual wallet according to the access right. delete The method according to claim 1,
Wherein the settlement management module comprises:
And a payment amount determination unit configured to determine a payment amount previously paid by the user who is subscribed to the virtual wallet,
Wherein the manager setting unit
A position information comparison part for comparing the position information with the highest position frequency and the average position information of the user terminal to determine the proximity,
Further comprising a total reflecting part for specifying at least one of the users based on the payment amount settled from the user and the proximity as an administrator. The method according to claim 1,
The virtual wallet management system comprising:
An anniversary input unit for receiving anniversaries from the user;
A cryptographic combination unit for extracting and recombining numbers included in the anniversary to generate ciphertext,
Providing a quest for generating the same character string as the cipher text to the user;
An execution determination unit for determining whether or not to execute the quest through the user;
And a score calculation unit for calculating a score for the quest performed,
Wherein the settlement management module comprises:
And a division ratio calculating unit for calculating a division ratio of the settlement amount information according to the calculated high and low of the score. 9. The method of claim 8,
The encryption /
A number extracting part for extracting a number included in the anniversary,
Further comprising a coordinate information generating part for generating coordinate information for a specific position by reassembling the numbers and designating the generated coordinate information as a cipher text,
The order fulfillment module comprises:
And a terminal interlocking input unit operable to interoperate with an application installed in the user terminal owned by the user and receive the order information,
Wherein the execution-
And determines whether or not to input the order information in the coordinate information through the user terminal in cooperation with the GPS. 10. The method of claim 9,
The order fulfillment module comprises:
An order position detecting unit for detecting order position information, which is position information on which the order information is inputted,
And a position frequency determination unit for determining a position frequency, which is a frequency of order position information calculated for each region in cooperation with GPS,
Wherein the settlement management module comprises:
And a payment amount determination unit configured to determine a payment amount previously paid from the users subscribed to the virtual wallet,
Wherein the manager setting unit
A position information comparison part for comparing the reference area information having the position frequency with a predetermined reference frequency or more and the position information of the user terminal to determine proximity,
Further comprising an overall reflecting part for designating at least one of the users as an administrator on the basis of the payment amount settled by the user, the proximity and the execution of the quest judged by the execution judging part, Integrated virtual wallet management system. 11. The method of claim 10,
The encryption /
A local information calculating part for calculating reference area information in which the position frequency is equal to or greater than a preset reference frequency,
A coordinate information grasping part for grasping coordinate information of order position information included in the reference local information,
A degree of similarity calculating part for determining the degree of similarity between the number included in the anniversary and the coordinate information,
And designating one of the coordinate information as the ciphertext based on the degree of similarity. 11. The method of claim 10,
Wherein the position information comparison part comprises:
Wherein the proximity is determined through the following equation (1).
Equation 1,

(here,

Is the proximity calculated for the user terminal,

Is the location information of the selected reference area information,

Is position information of the user terminal,

Indicates the total number of the calculated reference area information.) 13. The method of claim 12,
In the integrated reflecting part,
Wherein at least one of the users is designated as a manager in accordance with a value of a calculated value calculated by the following equation (2).
Equation (2)

(here,

Is the calculated value,

Is an integer of 1 or more,

The number of users participating in the virtual wallet,

The

The second user's payment amount,

Is expressed by Equation (1)

Lt; th > user,

Is the quest performance weight.)

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