KR101844331B1 - Voucher integrated management system and method for controlling thereof - Google Patents

Abstract

Embodiments disclosed in the present document relate to an integrated management system for a voucher and a control method thereof. A payment management server according to various embodiments of the present invention includes a communication interface, a memory, and a processor. The processor receives a voucher payment request and payment information from a first electronic device through the communication interface, searches a virtual account stored in the memory by using the received payment information, checks the balance of the searched virtual account, approves the voucher payment request if the checked balance is greater than or equal to a payment amount included in the payment information, and transmits an approval result to the first electrode device. Accordingly, the present invention can efficiently provide welfare.

Description

TECHNICAL FIELD [0001] The present invention relates to a voucher integrated management system and a voucher integrated management system,

The present invention relates to a system for unified management of a voucher and a method for controlling the system.

A voucher may refer to a coupon or payment instrument that is paid by a government or a particular organization to a specific beneficiary for the purpose of providing welfare services such as education, housing or medical care. The beneficiary may be provided with goods or services after presenting the voucher paid by the government or a specific organization to the service provider within the specified range. The service provider can receive the corresponding financial support by submitting the voucher received from the beneficiary to the government or a specific organization.

For example, the Ministry of Health and Welfare provides the National Happiness Card as a voucher, and the beneficiary can receive the medical service or education service from the designated medical institution or educational institution using the National Happiness Card. In addition, the Ministry of Culture, Sports and Tourism provides Culture Nuri Card as a voucher, and beneficiaries can receive various cultural benefits such as purchasing books using the Culture Nuri Card or watching performances.

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Korean Patent Publication No. 2003-0075867 (September 26, 2003)

On the other hand, vouchers provided by public institutions are managed by government departments or municipalities, so that unified standards can not be applied in determining the objects or sizes to which vouchers are paid. As a result, it is difficult for the beneficiary to know the type or size of the voucher that can be received by the beneficiary, and it is difficult for the service provider to distinguish between the vouchers for receiving financial support. Furthermore, a plurality of vouchers that are duplicated to one beneficiary may be paid, and vouchers may not be provided to a beneficiary who is substantially in need of assistance.

Therefore, in order to enhance the transparency of efficient payment and financial execution of a voucher, there is a need for a system capable of integrally managing a voucher. The present invention is a system for managing a voucher management system And to provide a system and method that can be used.

For example, according to one embodiment of the present invention, voucher systems that are independently operated by government departments or local governments can be integrated. In this way, the problem of the voucher system which is inefficient such as duplicate payment by being scattered and operated can be improved, and the beneficiary can easily grasp the voucher that the user can receive by using the integrated voucher management system.

Also, according to an embodiment of the present invention, the beneficiary can use a plurality of vouchers using one integrated voucher ID. By combining a plurality of coupons or cards differently provided for each product, service or voucher provider into a single integrated voucher ID, the cost required to issue a plurality of coupons or cards can be reduced. In addition, since various vouchers can be used through one payment means produced using the voucher ID, the convenience of the beneficiary can be increased.

Further, according to an embodiment of the present invention, the provision of a voucher or the use of a voucher is provided through a web service or an application that can be executed in various electronic devices, thereby enabling rapid information exchange between the voucher provider and the voucher beneficiary, The settlement using the voucher can be performed in real time.

A billing management server according to various embodiments of the present invention includes a communication interface, a memory, and a processor, wherein the processor receives voucher settlement request and payment information from the first electronic device via the communication interface, The virtual account stored in the memory, the balance of the searched virtual account, and if the confirmed balance is greater than or equal to the payment amount included in the payment information, And transmits the approval result to the first electronic device.

In the payment management server according to various embodiments of the present invention, the payment information may include a voucher ID of a user requesting voucher settlement and a service ID related to the first electronic device.

In the payment management server according to various embodiments of the present invention, the processor may search for at least one virtual account in the memory using the voucher ID, and correspond to the service ID among the searched at least one virtual account And the balance of the selected virtual account is confirmed.

In the payment management server according to various embodiments of the present invention, the processor may transmit the voucher ID to the second server via the communication interface when at least one virtual account is not searched in the memory, 2 server receives the authentication result for the voucher ID and determines whether to approve the voucher settlement request based on the received authentication result.

In the payment management server according to various embodiments of the present invention, the processor may reject the voucher settlement request when the confirmed balance is less than the settlement amount included in the payment information, And transmitting it to the electronic device.

A voucher management server according to various embodiments of the present invention includes a communication interface, a memory, and a processor, wherein the processor receives, via the communication interface, a voucher issuance request and user information from an external electronic device, A voucher ID corresponding to the user information is retrieved from the memory in response to a request for issuing a voucher, and when a voucher ID corresponding to the user information is not stored in the memory, a voucher ID corresponding to the user information is generated And transmits the generated voucher ID to the external electronic device.

In the voucher management server according to various embodiments of the present invention, when the voucher ID corresponding to the user information is stored in the memory, the processor may transmit the voucher ID stored in the memory to the external electronic device .

In the voucher management server according to various embodiments of the present invention, the processor may generate at least one virtual account connected to the generated voucher ID, and transmit the generated voucher ID and the generated at least one virtual account And storing the data in the memory.

In a voucher management server according to various embodiments of the present invention, the processor is configured to receive, via the communication interface, a deposit request and the voucher ID from the external electronic device, and using the received voucher ID, , And depositing money in the at least one virtual account based on the received deposit request.

In the voucher management server according to various embodiments of the present invention, the processor receives the balance confirmation request and the voucher ID from the second server via the communication interface, and uses the received voucher ID, The method comprising: searching at least one virtual account stored in the at least one virtual account, checking balance information for the searched at least one virtual account based on the received balance confirmation request, and transmitting the confirmed balance information to the second server .

Using the voucher integrated management system according to an embodiment of the present invention, it is possible to share information among government departments or municipalities that provide vouchers, and it is possible to efficiently select beneficiaries who need help to provide welfare benefits .

In addition, according to an embodiment of the present invention, since various vouchers can be used through one card manufactured using the voucher ID, the convenience of the beneficiary can be increased.

Also, according to an embodiment of the present invention, it is possible to exchange information between the voucher provider and the voucher beneficiary in a swift manner, so that settlement using the voucher can be performed in real time.

Further, by using the voucher integrated management system according to an embodiment of the present invention, it is possible to easily perform the data update according to the transfer of the beneficiary receiving the welfare benefit and the transfer of the beneficiary, The same welfare benefits can be provided.

1 illustrates a voucher integrated management system and network in accordance with various embodiments of the present invention.
2 is a block diagram of a billing management server according to various embodiments of the present invention.
3 is a flowchart illustrating a method of controlling a payment management server according to various embodiments of the present invention.
4 is a block diagram of a voucher management server in accordance with various embodiments of the present invention.
5 is a flowchart illustrating a method for controlling a voucher management server according to various embodiments of the present invention.
FIG. 6 is a diagram illustrating a process of issuing a voucher using the voucher integrated management system according to various embodiments of the present invention.
FIG. 7 is a diagram illustrating a process of using a voucher using the voucher integrated management system according to various embodiments of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention.

The present invention may be embodied in many different forms and is not limited to the embodiments described herein. It will be apparent that various modifications may be made without departing from the scope of the present invention. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail. The terms used in the embodiments are merely to select appropriate terms to describe the embodiments, and the terms and expressions used in the claims are not limited by the description. Therefore, it is obvious that the present invention can be replaced with terms or expressions that are considered equivalent in the technical field to which the present invention belongs.

Also, when a part is referred to as "including " an element, it does not exclude other elements unless specifically stated otherwise.

In the drawings, the same components are denoted by the same reference numerals. And in the accompanying drawings, some of the elements may be exaggerated, omitted or schematically illustrated. It is intended to clearly illustrate the gist of the present invention by omitting unnecessary explanations not related to the gist of the present invention. Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 illustrates a voucher integrated management system and network in accordance with various embodiments of the present invention.

The voucher integrated management system according to various embodiments of the present invention may include at least one of the payment management server 100, the voucher management server 200, the user terminals 300 and 301, and the service terminals 400 and 401 have.

According to one embodiment, the payment management server 100 is connected to at least one of the external electronic devices, such as the voucher management server 200, the first service terminal 400 and the second service terminal 401, Or wirelessly.

The payment management server 100 can acquire information about at least one user registered in the voucher management server 200. [ For example, the payment management server 100 may obtain a voucher ID associated with at least one user stored in the memory of the voucher management server 200. [ The payment management server 100 may also obtain a service ID associated with at least one service provider stored in the memory of the voucher management server 200. [ In addition, the payment management server 100 may store the obtained voucher ID or service ID in the memory of the payment management server 100. [

On the other hand, the voucher ID may be an identifier given to the user or the user terminal 300 or 301 to which the voucher is paid. The voucher ID can be issued through the central government server 201, the local government server 202, the welfare institution server 203 or the resident center server 204 or 205 or can be issued through the voucher management server 200 have. The issued voucher ID can be stored in the memory of the voucher management server 200. For example, the user can visit a public institution or a specific organization to request the issuance of the voucher ID, and a public official of the public institution or an employee of the specific organization can access the voucher management server 200 and proceed the issuance process of the voucher ID. The issued voucher ID can be paid to the user in combination with at least one payment means (e.g., card, ID, electronic money, coupon, etc.).

A user may be issued a voucher ID using the user terminals 300 and 301. [ For example, a user can access a web site provided by the voucher management server 200 or execute an application using the user terminals 300 and 301, and receive a voucher ID through the web site or an application, .

On the other hand, the service ID may mean an identifier assigned to a product or service that can be settled through a coupon. For example, when the goods or services provided by the service provider are related to the restaurant business, "01" may be given as the service ID. Further, when the goods or services provided by the service provider are related to the medical service, "02" may be assigned as the service ID. The service ID is issued through the central government server 201, the local government server 202, the welfare institution server 203 or the resident center server 204 or 205 or the voucher management server 200, And the issued service ID can be stored in the memory of the voucher management server 200. [

The service provider can transmit the voucher ID and the service ID to the payment management server 100 through the service terminals 400 and 401 when there is a payment request through the voucher. The payment management server 100 can search for virtual accounts linked with the voucher ID using the received voucher ID and select one virtual account among the retrieved virtual accounts using the received service ID. The payment management server 100 can confirm the balance of the selected virtual account and approve or reject the payment request according to the confirmed result. Meanwhile, the present embodiment is presented for explaining the use of the voucher ID and the service ID, and a more specific operation method will be described in detail with reference to FIG. 3 or FIG.

According to one embodiment, the voucher management server 200 may include external electronic devices, such as a payment management server 100, servers 201, 202, 203, 204, 205 of a public or welfare organization, 300, and 301 and the service terminals 400 and 401 through a network.

The voucher management server 200 can register or manage a user to whom a voucher is paid. In addition, the voucher management server 200 may register or manage a service provider capable of settlement through a voucher. The voucher management server 200 can issue a voucher ID for the user and can store the issued voucher ID in the memory of the voucher management server 200 in association with the personal information of the user. In addition, the voucher management server 200 can issue a service ID to the service provider based on the goods or service provided by the service provider. The voucher management server 200 can associate the issued service ID with the service information of the service provider, ). ≪ / RTI >

The voucher management server 200 can perform a user authentication or a virtual account search in response to a voucher ID authentication request or a virtual account confirmation request received from the payment management server 100. [ In addition, the voucher management server 200 can transmit the authentication result or the search result to the payment management server 100. [

The voucher management server 200 can provide a web site accessible through the user terminals 300 and 301 or applications executable in the user terminals 300 and 301. [ The user can access the voucher management server 200 through the provided web site or application, and thereby can apply for issuance of the voucher ID, manage the voucher ID, and confirm the balance of the virtual account.

The voucher management server 200 may provide a web site accessible via the service terminals 400 and 401 or an application executable by the service terminals 400 and 401. The service provider can access the voucher management server 200 through the provided web site or application, and can apply for issuance of the service ID, payment history confirmation through the voucher, and cash refund.

According to one embodiment, the user terminal 300, 301 or the service terminal 400, 401 may be, for example, a portable communication device such as a smart phone, a computer device, a portable multimedia device, A wearable device, or a home appliance. On the other hand, the electronic device according to the embodiment of the present document is not limited to the above-mentioned devices.

The user may access the voucher management server 200 through the user terminals 300 and 301 and may perform a payment function through an application installed in the user terminals 300 and 301. [

The service terminal 400, 401 may further include an electronic device including a payment function. For example, the service terminals 400 and 401 may be a payment terminal including a card reader, an IC chip reader, or an RFID tag module. When a payment means linked with a barcode ID is provided from a user, the service provider can read the payment means using the service terminal 400 or 401 and thereby can perform a payment function.

2 is a block diagram of a billing management server according to various embodiments of the present invention.

According to one embodiment, the payment management server 100 may include at least one of the processor 110, the memory 120, and the communication interface 130.

The processor 110 may control the memory 120 or the communication interface 130 of the payment management server 100 connected to the processor 110 by driving software, for example, and may perform various data processing and calculations can do. The processor 110 may load and process instructions or data received from the communication interface 130 and then store the resulting data in the memory 120. [ Meanwhile, the processor 110 may include an authentication module 111, a usage history tracking module 112, and a payment approval module 113.

The authentication module 111 can authenticate the user of the voucher ID using the voucher ID received via the communication interface 130. [ For example, the authentication module 111 may search the memory 120 to determine whether the received voucher ID is stored in the memory 120. For example, When the received voucher ID is retrieved from the memory 120, the authentication module 111 may generate data indicating that the user authentication is completed. If the received voucher ID is not retrieved from the memory 120, the authentication module 111 may transmit the received voucher ID and the authentication request to the voucher management server 200. The authentication module 111 can receive the authentication result from the voucher management server 200, and can perform user authentication using the received authentication result.

The use history tracking module 112 may track the use history of the received voucher ID when the user authentication by the authentication module 111 is completed. For example, the usage history tracking module 112 can check the payment history performed through the received voucher ID. In this process, usage history tracking module 112 may retrieve one or more virtual accounts in memory 120 that are associated with the received voucher ID. If a plurality of virtual accounts are retrieved from the memory 120, the usage history tracking module 112 can select one account using the service ID received through the communication interface 130. [ The use history tracking module 112 can confirm the balance of the selected account.

The payment approval module 113 can determine whether to approve the payment by comparing the balance of the selected virtual account with the settlement request amount. For example, if the balance of the selected virtual account is greater than or equal to the settlement request amount, the payment approval module 113 may approve the settlement and send the approval result and the balance information of the virtual account to the external electronic device As shown in FIG. If the balance of the selected virtual account is smaller than the settlement request amount, the settlement approval module 113 may reject the settlement and transmit the result of the rejection and the balance information of the virtual account to the external electronic device via the communication interface 130 can do.

The memory 120 stores input data or output data for various data, e.g., software, and related commands used or generated by the processor 110 or communication interface 130 of the payment management server 100 . The memory 120 may include volatile memory or non-volatile memory.

The communication interface 130 is used for communication between the billing management server 100 and an external electronic device such as the voucher management server 200, the user terminals 300 and 301, or the service terminals 400 and 401 Can be set. For example, the communication interface 130 may be connected to an external electronic device (e.g., the voucher management server 200, the user terminal 300, 301, or the service terminal 400, 401) ). ≪ / RTI >

3 is a flowchart illustrating a method of controlling a payment management server according to various embodiments of the present invention.

The subject performing the above method may be the processor 110 in the payment management server 100 including the processor 110, the memory 120 and the communication interface 130.

At operation 310, the processor 110 may receive the voucher payment request and payment information from the first electronic device via the communication interface 130. For example, the first electronic device may refer to a service terminal 400, 401. Processor 110 may perform act 320 in response to receiving a voucher settlement request.

At operation 320, the processor 110 may retrieve the virtual account stored in the memory using the received payment information. For example, the processor 110 can check the voucher ID, the service ID, and the payment request amount from the received payment information. Processor 110 may retrieve one or more virtual accounts in memory 120 associated with the received voucher ID. If the number of retrieved virtual accounts is more than one, the processor 110 may select one of the one or more virtual accounts retrieved using the received service ID.

At operation 330, the processor 110 may check the balance of the retrieved virtual account. For example, the processor 110 may check the balance of the virtual account selected at operation 320. [

At operation 340, the processor 110 may determine whether the balance of the virtual account is greater than or equal to the settlement request amount. For example, if the balance of the virtual account is greater than or equal to the settlement request amount, the settlement request may be approved. On the other hand, if the balance of the virtual account is less than the amount of the settlement request, the settlement request may be rejected.

If at operation 350 the processor 110 determines that the balance of the virtual account is greater than or equal to the payment request amount, the processor 110 may approve the voucher payment request and send the authorization result to the first electronic device. For example, the processor 110 may send an authorization result to the first electronic device via the communication interface 130. [

If, on the other hand, it is determined that the balance of the virtual account is less than the amount of the payment request, at operation 360, the processor 110 may reject the voucher payment request and send the rejection result to the first electronic device. For example, the processor 110 may transmit the rejection result to the first electronic device via the communication interface 130. [

4 is a block diagram of a voucher management server in accordance with various embodiments of the present invention.

According to one embodiment, the voucher management server 200 may include at least one of the processor 210, the memory 220, and the communication interface 230.

The processor 210 may control the memory 220 or the communication interface 230 of the voucher management server 200 connected to the processor 210 by driving software, for example, and may perform various data processing and calculations can do. The processor 210 may load and process instructions or data received from the communication interface 230 and then store the resulting data in the memory 220. Meanwhile, the processor 210 may include an ID issue module 211 and an authentication module 212.

The ID issuing module 211 may perform a function of issuing a voucher ID for a user who is a voucher payment target. In addition, the ID issuing module 211 can perform the function of issuing the service ID to the service provider based on the goods or services provided by the service provider.

The authentication module 212 can perform a function of authenticating the user using the information of the user received together when the request for issuing the voucher ID is received through the communication interface 230. [ For example, the authentication module 212 may determine whether the voucher ID corresponding to the information of the received user is stored in the memory 220. If the voucher ID corresponding to the received user information is not stored in the memory 220, the ID issuing module 211 can issue the voucher ID.

According to another embodiment, the authentication module 212 can perform the function of authenticating the service provider using the information of the service provider received together, when the service ID issuing request is received through the communication interface 230. [ For example, the authentication module 212 may determine whether the service ID corresponding to the information of the received service provider is stored in the memory 220. If the service ID corresponding to the information of the received service provider is not stored in the memory 220, the ID issuing module 211 can issue the service ID.

The memory 220 may store input data or output data for various data, e.g., software and related commands used or generated by the processor 210 or communication interface 230 of the voucher management server 200 . The memory 220 may include volatile memory or non-volatile memory.

The communication interface 230 is used for communication between the voucher management server 200 and external electronic devices such as the payment management server 100, the user terminals 300 and 301, or the service terminals 400 and 401 Can be set. For example, the communication interface 230 may be connected to an external electronic device (e.g., the payment management server 100, the user terminal 300, 301, or the service terminal 400, 401) ). ≪ / RTI >

5 is a flowchart illustrating a method for controlling a voucher management server according to various embodiments of the present invention.

The subject performing the method may be the processor 210 in a voucher management server 200 comprising a processor 210, a memory 220 and a communication interface 230.

At operation 510, the processor 210 may receive a voucher issuance request and user information from an external electronic device. For example, the external electronic device may refer to servers 201, 202, 203, 204, 205 of a public or welfare organization or user terminals 300, 301. Processor 210 may perform operation 520 in response to receiving a voucher issuance request.

In operation 520, processor 210 may retrieve, from memory 220, a voucher ID corresponding to the user information, in response to the received voucher issuance request. For example, when personal information such as a resident number, an address, or a telephone number of a user is received as user information, the processor 210 may determine whether the user is a voucher payment object using the received user information. If it is determined that the user is the subject of the voucher payment, the processor 210 may search the memory 220 for the voucher ID corresponding to the received user information.

At operation 530, the processor 210 may determine whether the voucher ID corresponding to the received user information is stored in the memory 220. For example, when the voucher ID is stored in the memory 220 of the voucher management server 200, the processor 210 may determine that issuance of an additional voucher ID is not necessary. On the other hand, when the voucher ID is not stored in the memory 220 of the voucher management server 200, the processor 210 can generate the voucher ID.

If it is determined that the voucher ID is stored in the memory 220 of the voucher management server 200, at operation 540, the processor 210 may transmit the voucher ID stored in the memory 220 to the external electronic device .

On the other hand, if it is determined that the voucher ID is not stored in the memory 220 of the voucher management server 200, then at operation 550, the processor 210 may generate a voucher ID corresponding to the user information. Further, at operation 560, the processor 210 may transmit the generated voucher ID to the external electronic device.

On the other hand, the generated voucher ID can be provided to the user while being coupled to one payment means. For example, the voucher ID may be provided to the user in combination with a credit card, a student ID, an identification card, an electronic money or a coupon. The user can use various vouchers through one provided payment means.

According to one embodiment, the voucher ID may be provided through an application installed in the user's terminal 300, 301. The user can request payment to the service provider using the user terminals 300 and 301. [

The service terminals 400 and 401 of the service provider can confirm the voucher ID and send the voucher ID and the service ID to the payment management server 100 to request payment approval.

FIG. 6 is a diagram illustrating a process of issuing a voucher using the voucher integrated management system according to various embodiments of the present invention.

According to one embodiment, at operation 610, the user or user terminal 300 may send a voucher ID issuance request to the voucher management server 200. Upon receipt of the voucher ID issuance request, the voucher management server 200 can retrieve the voucher ID at operation 615.

For example, the voucher management server 200 may perform a search operation at operation 620 to determine whether a voucher ID corresponding to the user or the user terminal 300 is stored in the memory of the voucher management server 200. [

If the voucher ID is retrieved from the memory, at operation 625, the voucher management server 200 may send the retrieved voucher ID to the user or user terminal 300.

On the other hand, if the voucher ID is not retrieved from the memory, at act 630, the voucher management server 200 may generate the voucher ID and one or more virtual accounts.

Subsequently, at operation 635, the voucher management server 200 may send the generated voucher ID and one or more virtual accounts to the billing management server 100. [

The payment management server 100 receiving the information generated from the voucher management server 200 may store the received information in the memory of the payment management server 100 at operation 640. [

Further, at operation 645, the voucher management server 200 may transmit the generated voucher ID to the user or the user terminal 300. [

FIG. 7 is a diagram illustrating a process of using a voucher using the voucher integrated management system according to various embodiments of the present invention.

According to one embodiment, in operation 700, the user or user terminal 300 may request the service terminal 400 to make a payment via a voucher. For example, after purchasing a product at a particular store or eating at a particular restaurant, the user can present one payment means combined with the voucher ID to the service provider for payment.

In operation 705, the service terminal 400 may transmit the payment information to the payment management server 100. [ At this time, the payment information may include a voucher ID, a service ID, and a payment request amount. For example, the service provider can read the payment means (e.g., card) presented by the user with the card reader of the service terminal 400. [ At this time, the service terminal 400 can acquire the voucher ID from the read card. In addition, the service provider may further input the service ID into the service terminal 400. [ However, the present invention is not limited to this. The service terminal 400 may confirm the service ID previously assigned to the service terminal 400, and may transmit the confirmed service ID to the payment management server 400. [ (100). According to another embodiment, the service terminal 400 confirms the details of the goods or services corresponding to the settlement request, selects one of the plurality of service IDs based on the details of the goods or services that have been confirmed Or may be transmitted to the payment management server 100.

At operation 710, the payment management server 100 can retrieve the virtual account using the received payment information. For example, the payment management server 100 may search for virtual accounts stored in the memory of the payment management server 100 using the voucher ID included in the payment information. If a plurality of virtual accounts are retrieved from the memory, the payment management server 100 can select one virtual account among the plurality of retrieved virtual accounts using the service ID included in the payment information.

At operation 715, the payment management server 100 may determine whether a virtual account is retrieved from the memory. If at least one virtual account associated with the voucher ID in the memory is retrieved, the payment management server 100 may perform operation 730. [

On the other hand, if at least one virtual account associated with the voucher ID in the memory is not retrieved, the payment management server 100 may send the payment information to the voucher management server 200, at operation 720. The voucher management server 200 can search for a virtual account stored in the memory of the voucher management server 200 using the received payment information.

When a virtual account is searched in the memory of the voucher management server 200, in operation 725, the voucher management server 200 may transmit the virtual account information to the payment management server 100. [

At operation 730, the payment management server 100 may determine whether the balance of the virtual account received from the selected virtual account or voucher management server 200 is greater than or equal to the settlement request amount.

If it is determined that the balance of the virtual account received from the selected virtual account or voucher management server 200 is greater than or equal to the settlement request amount, the settlement management server 100 approves the settlement at operation 735, To the service terminal (400).

On the other hand, if it is determined that the balance of the virtual account received from the selected virtual account or voucher management server 200 is smaller than the settlement request amount, the settlement management server 100 rejects the settlement in operation 740, To the service terminal (400).

The service terminal 400 may complete the settlement or notify that the settlement has failed, depending on the approval result or the rejection result. For example, at operation 745, the service terminal 400 may display the approval result or the rejection result through the display included in the service terminal 400, or may display the approval result or the rejection result through the printing device included in the service terminal 400 It is possible to output the printed matter containing it. The approval result or the rejection result may include the balance of the virtual account received from the payment management server 100. [

A method for controlling a payment management server according to various embodiments of the present invention includes: receiving a voucher settlement request and settlement information from a first electronic device through a communication interface of the server; The method comprising: searching for a virtual account stored in the memory of the server; checking a balance of the searched virtual account; if the confirmed balance is greater than or equal to a settlement request amount included in the payment information, And transmitting the authorization result to the first electronic device.

In the method of controlling a payment management server according to various embodiments of the present invention, the payment information may include a voucher ID of a user requesting voucher settlement and a service ID related to the first electronic device .

The method for controlling a payment management server according to various embodiments of the present invention includes: searching at least one virtual account in the memory using the voucher ID; searching for at least one virtual account among the at least one virtual account Selecting a virtual account to be activated and confirming the balance of the selected virtual account.

A method of controlling a payment management server according to various embodiments of the present invention includes the steps of transmitting the voucher ID to a second server via the communication interface when at least one virtual account is not searched in the memory, 2) receiving an authentication result for the voucher ID from the server, and determining whether to approve the voucher settlement request based on the received authentication result.

The method of controlling a payment management server according to various embodiments of the present invention may include the steps of: rejecting the voucher settlement request when the confirmed balance is less than the settlement amount included in the payment information; To an electronic device.

The method of controlling a voucher management server according to various embodiments of the present invention includes receiving voucher issuance request and user information from an external electronic device via a communication interface of the server, Searching for a voucher ID corresponding to the user information in a memory of the server, generating a voucher ID corresponding to the user information when the voucher ID corresponding to the user information is not stored in the memory, And transmitting the generated voucher ID to the external electronic device.

The method for controlling the voucher management server according to various embodiments of the present invention includes the steps of transmitting a voucher ID stored in the memory to the external electronic device when the voucher ID corresponding to the user information is stored in the memory .

The method of controlling a voucher management server according to various embodiments of the present invention includes the steps of creating at least one virtual account linked to the generated voucher ID and generating the generated voucher ID and the generated at least one virtual account And storing it in a memory.

A method for controlling a voucher management server according to various embodiments of the present invention includes receiving a deposit request and the voucher ID from the external electronic device via the communication interface, Retrieving at least one virtual account stored in the at least one virtual account, and depositing money into the retrieved at least one virtual account based on the received deposit request.

A method of controlling a voucher management server according to various embodiments of the present invention includes: receiving a balance confirmation request and a voucher ID from a second server via the communication interface; receiving, using the received voucher ID, Checking at least one virtual account stored in the at least one virtual account based on the received balance confirmation request, checking balance information for the searched at least one virtual account, and transmitting the confirmed balance information to the second server . ≪ / RTI >

As used herein, the term "module " includes units comprised of hardware, software, or firmware and may be used interchangeably with terms such as, for example, logic, logic blocks, components, or circuits. A "module" may be an integrally constructed component or a minimum unit or part thereof that performs one or more functions. "Module" may be implemented either mechanically or electronically, for example, by application-specific integrated circuit (ASIC) chips, field-programmable gate arrays (FPGAs) And may include programmable logic devices.

At least some of the devices (e.g., modules or functions thereof) or methods (e.g., operations) according to various embodiments may be implemented with instructions stored in a computer-readable storage medium (e.g., memory) . When the instruction is executed by a processor (e.g., a processor), the processor may perform a function corresponding to the instruction. The computer readable recording medium may be a hard disk, a floppy disk, a magnetic medium such as a magnetic tape, an optical recording medium such as a CD-ROM, a DVD, a magneto-optical medium such as a floppy disk, And the like. The instructions may include code generated by the compiler or code that may be executed by the interpreter. Modules or program modules according to various embodiments may include at least one or more of the elements described above, some of which may be omitted, or other elements. Operations performed by modules, program modules, or other components, in accordance with various embodiments, may be performed sequentially, in parallel, repetitively, or heuristically, or at least some operations may be performed in a different order, .

Each of the components described in this document may be composed of one or more components, and the name of the component may be changed according to the type of the electronic device. In various embodiments, the electronic device may comprise at least one of the components described herein, some components may be omitted, or may further include additional other components. In addition, some of the components of the electronic device according to various embodiments may be combined into one entity, so that the functions of the components before being combined can be performed in the same manner.

And the embodiments disclosed in this document are presented for the purpose of explanation and understanding of the disclosed technology and do not limit the scope of the technology described in this document. Accordingly, the scope of this document should be interpreted to include all modifications based on the technical idea of this document or various other embodiments.

Claims (20)

A server for managing payment,
Communication interface;
Memory; And
The processor comprising:
Via the communication interface, a voucher payment request, a voucher ID, a service ID and a payment amount from the first electronic device,
Authenticating a user of the voucher ID using the received voucher ID, searching a plurality of virtual accounts stored in the memory and corresponding to the voucher ID,
Selecting a virtual account associated with the voucher settlement request among the plurality of searched virtual accounts using the received service ID,
Confirms the balance of the selected virtual account,
If the confirmed balance is greater than or equal to the payment amount, approving the voucher payment request, and
Transmitting the approval result to the first electronic device,
Wherein the voucher ID is used to retrieve the plurality of virtual accounts corresponding to the voucher ID and is pre-assigned data for a user requesting a voucher settlement, and
Wherein the service ID is used to select the virtual account associated with the voucher settlement request, and wherein the voucher payment request is received from the voucher payment request using the voucher < RTI ID = 0.0 > Wherein the server is an identifier that is generated at the first electronic device that transmits the payment request and represents at least one service among a plurality of services previously determined to be payable through the voucher.
delete delete The method according to claim 1,
The processor comprising:
Transmitting the voucher ID to the second server via the communication interface when the plurality of virtual accounts corresponding to the voucher ID in the memory are not retrieved,
Receiving an authentication result for the voucher ID from the second server, and
And determines whether to approve the voucher settlement request based on the received authentication result.
The method according to claim 1,
The processor comprising:
If the confirmed balance is less than the payment amount, rejecting the voucher payment request,
And transmit the rejection result to the first electronic device.
A method for controlling a server for managing payment,
Receiving a voucher payment request, a voucher ID, a service ID, and a payment amount from a first electronic device through a communication interface of the server;
Authenticating a user of the voucher ID using the received voucher ID, searching a plurality of virtual accounts stored in a memory of the server and corresponding to the voucher ID;
Selecting a virtual account associated with the voucher settlement request among the plurality of searched virtual accounts using the received service ID;
Confirming the balance of the selected virtual account;
Approving the voucher payment request if the confirmed balance is greater than or equal to the payment amount; And
And transmitting the authorization result to the first electronic device,
Wherein the voucher ID is used to retrieve the plurality of virtual accounts corresponding to the voucher ID and is pre-assigned data for a user requesting a voucher settlement, and
Wherein the service ID is used to select the virtual account associated with the voucher settlement request, and wherein the voucher payment request is received from the voucher payment request using the voucher < RTI ID = 0.0 > Wherein the first electronic device is an identifier that is generated at the first electronic device that transmits the payment request and represents at least one service among a plurality of services previously determined to be payable through the voucher.
delete delete The method according to claim 6,
Transmitting the voucher ID to the second server via the communication interface when the plurality of virtual accounts corresponding to the voucher ID in the memory are not retrieved;
Receiving an authentication result for the voucher ID from the second server; And
And determining whether to approve the voucher settlement request based on the received authentication result.
The method according to claim 6,
Rejecting the voucher settlement request if the confirmed balance is less than the payment amount; And
And transmitting the rejection result to the first electronic device.
A server for managing a voucher,
Communication interface;
Memory; And
The processor comprising:
Via the communication interface, a voucher issuance request and user information from an external electronic device,
Authenticating a user according to the user information in response to the received voucher issuance request, searching a voucher ID corresponding to the user information in the memory,
And generating a plurality of virtual accounts corresponding to the voucher ID and the voucher ID corresponding to the user information when the voucher ID corresponding to the user information is not stored in the memory,
Storing the generated voucher ID and the generated plurality of virtual accounts in the memory,
Transmits the generated voucher ID to the external electronic device,
Receives a voucher settlement request, a voucher ID and a service ID from a second server through the communication interface,
Using the received voucher ID, to retrieve a plurality of virtual accounts stored in the memory and corresponding to the voucher ID,
Selecting a virtual account associated with the voucher settlement request among the plurality of searched virtual accounts using the received service ID, and
Confirms the balance information for the selected virtual account, and transmits the balance information to the second server,
Wherein the voucher ID is used to retrieve the plurality of virtual accounts corresponding to the voucher ID and is pre-assigned data for a user requesting a voucher settlement, and
Wherein the service ID is used to select the virtual account associated with the voucher settlement request, the information being input to the first electronic device that has transmitted the voucher settlement request to the second server, Wherein the server is an identifier that is generated by the first electronic device and represents at least one service among a plurality of services previously determined to be payable through a voucher.
12. The method of claim 11,
The processor comprising:
And transmits the voucher ID stored in the memory to the external electronic device when the voucher ID corresponding to the user information is stored in the memory.
delete 12. The method of claim 11,
The processor comprising:
Via the communication interface, a deposit request and the voucher ID from the external electronic device,
Using the received voucher ID, to retrieve the plurality of virtual accounts stored in the memory and corresponding to the voucher ID; and
And depositing money into at least one virtual account of the plurality of searched virtual accounts based on the received deposit request.
delete A method of controlling a server for managing a voucher,
Receiving a voucher issuance request and user information from an external electronic device via a communication interface of the server;
Authenticating a user according to the user information in response to the received voucher issuance request, and searching the memory of the server for a voucher ID corresponding to the user information;
Generating a plurality of virtual accounts corresponding to the voucher ID and the voucher ID corresponding to the user information when the voucher ID corresponding to the user information is not stored in the memory;
Storing the generated voucher ID and the generated plurality of virtual accounts in the memory;
Transmitting the generated voucher ID to the external electronic device;
Receiving a voucher settlement request, a voucher ID and a service ID from a second server via the communication interface;
Retrieving a plurality of virtual accounts stored in the memory and corresponding to the voucher ID using the received voucher ID;
Selecting a virtual account associated with the voucher settlement request among the plurality of searched virtual accounts using the received service ID; And
Checking balance information for the selected virtual account, and transmitting the balance information to the second server,
Wherein the voucher ID is used to retrieve the plurality of virtual accounts corresponding to the voucher ID and is pre-assigned data for a user requesting a voucher settlement, and
Wherein the service ID is used to select the virtual account associated with the voucher settlement request, the information being input to the first electronic device that has transmitted the voucher settlement request to the second server, Wherein the first electronic device is an identifier that represents at least one service of a plurality of services previously determined to be payable through the voucher.
17. The method of claim 16,
Further comprising transmitting the voucher ID stored in the memory to the external electronic device when the voucher ID corresponding to the user information is stored in the memory.
delete 17. The method of claim 16,
Receiving a deposit request and the voucher ID from the external electronic device via the communication interface;
Retrieving the plurality of virtual accounts stored in the memory and corresponding to the voucher ID using the received voucher ID; And
And depositing money into at least one virtual account of the plurality of searched virtual accounts based on the received deposit request.
delete

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