KR101844350B1 - Method for Transferring the Responsibility of Settlement after Normal Payment - Google Patents

Abstract

The present invention relates to a method for post-payment responsibility transfer of a normal payment, the method being executed through a server communicating with a wireless terminal installed with a designated app, the method comprising: transmitting, by an arbitrary merchant associated with the server, Payment information for the original payment request requested by the user through the app installed in the user's wireless terminal among the payment transactions normally processed through the payment process and the original payment information for the original payment request Based on the result of the determination, authenticates that the payment means of the user used in the original payment is the payment means of the payment means issuer capable of canceling the approval from the server, compares the requested payment date information with the payment date information of the original payment, Responsibility burdened with added accountability waiting time specified at the requested date and time The settlement date and time can be canceled (Or selected) through the app of the user wireless terminal if the post-charge responsibility transfer process of the original payment request is possible, And the payment amount information of the original payment case is confirmed as the amount of money to be transferred to the responsibility transferring object, and the application of the responsibility transferring person's wireless terminal corresponding to the object identification information The user is requested to settle the responsibility for the confirmed amount information and if the payment of the liability is approved within the designated charge transfer waiting time, the procedure for canceling the original payment for the approved payment of the responsibility is executed. When the approval is canceled, the authorized payment is used to replace the unauthorized original payment. Hujeok relates to imputed liability method.

Description

{Method for Transferring the Responsibility of Settlement after Normal Payment}

The present invention provides a method of executing a service through a server communicating with a wireless terminal installed with a designated app, the method comprising: transmitting, to a user wireless terminal, of payment items normally processed through payment means of an arbitrary user at an affiliate shop associated with the server The user can confirm the original payment information for the original payment request requested by the installer through the installed application, and confirm the payment of the user used for the original payment based on the original payment information for the original payment request, Means for confirming that the payment means of the issuer of the payment means is capable of being canceled by the server, comparing the payment date information of the original payment request with the requested date information, and adding the specified charge transfer waiting time at the requested date and time Responsibility burden If the settlement date and time is within the allowable cancellation date of the original payment request, (Or selected) through the app of the user wireless terminal if the post-charge transfer process of the original payment request is possible, and confirms the object identification information that identifies the responsible transfer object The settlement amount information of the original payment case is confirmed as the amount information to be transferred to the responsibility transfer destination and the payment of responsibility for the confirmed amount information is requested to the application of the responsibility transferring mobile terminal corresponding to the object identification information , And if the payment of the liability is approved within the designated charge transfer waiting time, the original payment of the approved chargeable payment is canceled. If the original payment is canceled, the authorized chargeable payment is used And a post-charge transfer method of a normal settlement for replacing the unauthorized original charge.

As society diversifies and efficiency and convenience are pursued first, buyers and payers are often separated from economic activities such as purchasing payments. For example, when a buyer and a payer visit a local store and purchase a product, the buyer and the payer are unable to make time for each other, so that the buyer visits the store, purchases the goods, and requests payment to the payer (Japanese Patent Application Laid-Open No. 10-2004-0081819 (September 23, 2004)).

On the other hand, the conventional proxy settlement has a problem in that it is difficult to make a proxy settlement if a remote payer fails to contact or can not pay immediately, since a remote payer must wait for payment. In particular, in case of providing the proxy settlement in the offline store, the store terminal of the cash register is used for the proxy settlement. In the case of the store terminal which processes the payment by exchanging the special character synchronously, When the settlement of the payer is delayed, another settlement can not be processed through the store terminal.

In order to solve the above problems, an object of the present invention is to provide a method of executing a service through a server communicating with a wireless terminal installed with a designated application, A first step of confirming the original payment information for the original payment request requested by the user through the application installed in the user wireless terminal among the payment items normally processed for payment, Based on the information, the payment means of the user used in the original payment case is the payment means of the payment means issuer capable of canceling the approval in the server, and compares the requested time information with the payment date information of the original payment case, Responsibility burden of adding responsibility charge transfer waiting time specified at the requested date and time of settlement Payment settlement date and time are the same as above A second step of verifying whether or not the post-settlement charge transfer processing is possible for the original payment request requested by the responsibility transfer, and a second step of inputting through the application of the user's wireless terminal when the post- A third step of confirming the object identification information for identifying the responsible transfer destination object and the settlement amount information of the original payment case to the responsibility transfer object to be transferred to the responsibility transfer object, A fourth step of requesting payment of the responsibility for the confirmed amount information by the app of the wireless terminal of the subject, and a fourth step of accepting the payment of the authorized payment if the responsibility payment is approved within the designated charge transfer waiting time A fifth step of carrying out the procedure of performing the original settlement request, Cancellation of the original post in the accountability provides a method of shifting the normal payment of a sixth step of replacing the payment.

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A method for performing a post-payment responsibility for a normal payment according to the present invention is executed through a server that communicates with a wireless terminal installed with a designated app, the method comprising the steps of: A first step of confirming the original payment information for the original payment request requested by the user through the application installed in the user wireless terminal among the payment items normally processed for payment, Based on the information, the payment means of the user used in the original payment case is the payment means of the payment means issuer capable of canceling the approval in the server, and compares the requested time information with the payment date information of the original payment case, Responsibility burden of adding responsibility charge transfer waiting time designated at the requested date Payment settlement date and time can be canceled A second step of confirming whether or not the post-settlement charge transfer process is possible for the original payment request requested by the responsibility transfer, and a second step of inputting through the application of the user's wireless terminal if the post-charge transfer process of the original payment request is possible A third step of confirming the object identification information for identifying the responsible transfer destination object and the settlement amount information of the original payment case to the responsibility transfer object to be transferred to the responsibility transfer object, A fourth step of requesting payment of the responsibility for the confirmed amount information by the app of the wireless terminal of the subject, and a fourth step of accepting the payment of the authorized payment if the responsibility payment is approved within the designated charge transfer waiting time A fifth step of performing the procedure of performing the payment of the original payment, Characterized in that a sixth step of replacing the canceled original payment.

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According to another aspect of the present invention, there is provided a method of distributing responsibility for a normal payment, the method comprising: registering and storing self-identification information that uniquely identifies the user from an app of a user wireless terminal installed with a designated app, And confirming the original payment request, which is requested to be transmitted to the mobile terminal in cooperation with the app of the mobile terminal matching the registered self-identification information.

According to the present invention, the self-identification information may include at least one of a telephone number of the user wireless terminal, a unique code allocated to the user wireless terminal, a token code that is separately allocated after the application is installed in the user wireless terminal, A dynamic number generated without being duplicated through the designated server, and a dynamic number generated by the designated server that is not duplicated and provided to the user wireless terminal.

According to the present invention, the original payment request may include a payment request that is requested by the user of the merchant terminal of the merchant through the app of the user's wireless terminal among the payment items recognized as the payment means of the user and processed for payment .

According to the present invention, the first step may include payment means issuer information, payment means information, merchant information, settlement approval information, settlement date information, settlement date information, and settlement date information for the original payment request from the app of the user wireless terminal And receiving original payment information including one or more pieces of information of the amount information.

According to the present invention, the original payment information is transmitted to the server by transmitting the unique identification information obtained from the user wireless terminal and the merchant shop identification information that uniquely identifies the merchant store in the merchant terminal provided at an arbitrary merchant store, The merchant corresponding to the merchant identification information may be matched with the user wireless terminal of the matching wireless terminal, and then the payment transaction of the matching merchant through the payment means of the user through the matching wireless terminal may be included.

According to the present invention, the original payment request is transmitted to the server by transmitting the medium identification information recognized from the medium of the affiliate shop provided at an arbitrary merchant's location in the app of the user wireless terminal and the magnetic identification information for identifying the self, to the medium identification information And a settlement result of matching the merchant having the corresponding medium with the user wireless terminal, processing the settlement of the matching merchant through the user's payment means through the application of the matched wireless terminal, and the like. Meanwhile, the franchise-side medium includes a Bluetooth medium for transmitting the Bluetooth signal including the medium identification information, an NFC medium having the medium identification information and providing NFC (Near Field Communication), a sound wave signal obtained by encoding the medium identification information An image medium having a code image in which the medium identification information is encoded, and an image medium having a code image in which the medium identification information is encoded. On the other hand, the medium of the franchisee may be a separate medium provided to the franchisee, or may be included in the franchisee terminal of the franchisee.

According to the present invention, the first step may include receiving the original payment information including the payment transaction identification information for identifying the original payment transaction requested from the app of the user wireless terminal.

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According to the present invention, the object identification information may include identification information of the responsible transfer object inputted through the application of the user wireless terminal, identification information of the responsibility transfer object selected through the application from the contact list of the user wireless terminal, And may include identification information of at least one of the identification information of the responsibility transfer object which requests (or permits) the responsibility burden on the user of the wireless terminal.

According to the present invention, the object identification information includes at least one of a telephone number of the wireless terminal corresponding to the responsibility transfer object, account information of the object corresponding to the account transfer object, mail address of the object corresponding to the account transfer object, A unique code assigned to the subject wireless terminal received from the wireless terminal corresponding to the transfer subject to the app of the user wireless terminal, and a token code separately allocated after the application is installed in the subject wireless terminal .

According to another aspect of the present invention, there is provided a method of distributing responsibility for a normal settlement, comprising the steps of: if the object identification information is confirmed, reading the identified object identification information and confirming whether a designated application is installed in the wireless terminal And inducing installation of the app if the app is not installed in the responsible transferee wireless terminal.

According to another aspect of the present invention, the method may further include the step of associating and storing the approved original account settlement cancellation information and the approved accountable settlement information.

According to the present invention, a user who visits a certain merchant shop normally performs settlement processing using his / her payment means, designates a responsible transfer target through an app of his / her own wireless terminal, It has the advantage of prompt payment without waiting for a long time at the cashier at the merchant's store.

According to the present invention, a user who has successfully processed the original payment designates a responsible transfer destination through an app of the user's wireless terminal, requests the transfer of responsibility, and the responsible transfer target accepts the responsibility, In this case, the original settlement itself is canceled so that it does not exist at all, so that it is treated as if the responsibility transferring object is assumed to be responsible from the beginning even though the object of settlement is after the settlement of the liability.

FIG. 1 is a diagram showing a configuration of a post-charge responsibility transfer system of a normal settlement request according to an embodiment of the present invention.
2 is a diagram illustrating an information registration process according to an embodiment of the present invention.
3 is a diagram illustrating an example of a reverse identification process for original payment according to an embodiment of the present invention.
4 is a diagram illustrating an example of a forward identification process for original payment according to an embodiment of the present invention.
5 is a diagram illustrating a process of processing an original payment through an app of a user wireless terminal according to an embodiment of the present invention.
FIG. 6 is a diagram illustrating a process of requesting post-settlement responsibility transfer of the original settlement processed according to the method of the present invention.
FIG. 7 is a diagram illustrating a process of processing post-responsibility transfer according to an embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.

In other words, the following embodiments correspond to the preferred embodiment of the preferred embodiment of the present invention. In the following embodiments, a specific configuration (or step) is omitted, or a specific configuration (or step) (Or steps), or an embodiment that incorporates functions implemented in more than one configuration (or step) into any one configuration (or step), a particular configuration (or step) It will be apparent that the present invention is not limited to the embodiments described below. In the following embodiments, a specific configuration unit implemented on the server side is implemented on the terminal side and reference is made on the server side, or conversely, in the following embodiments, a specific configuration unit implemented on the terminal side is implemented on the server side, And all of the embodiments utilizing the same are also included in the scope of the present invention. Therefore, it should be clearly stated that various embodiments corresponding to subsets or combinations based on the following embodiments can be subdivided based on the filing date of the present invention.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

FIG. 1 is a diagram showing a configuration of a post-settlement responsibility transfer system of a normal settlement request according to an embodiment of the present invention.

More specifically, in FIG. 1, a certain user performs settlement processing at an arbitrary merchant using his / her own payment means, and then designates a specific responsibility transfer object excluding himself / herself through an app of his or her wireless terminal 190, Upon requesting the transfer of the post-event responsibility, the responsible mobile device 190 requests payment of responsibility for the amount of charge transferred to the application of the mobile terminal 190 and verifies that the payment is approved. If approved, And a method of replacing the original payment case through a new approved liability settlement. As shown in FIG. 1, when a person skilled in the art is in the field of the present invention, Various implementation methods (for example, some components are omitted, or fragmented, or combined implementation) of the configuration of the post- Would be able, in the present invention are made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 1.

According to the present invention, in order for a user to distinguish a settlement in which a user makes a settlement process first using his / her own payment means and a settlement in which a responsibility transfer target specified by the user is processed later at a later date, First, the payment for payment processing is referred to as " original payment ", and the payment to be processed later by the responsible transfer destination is referred to as " payment of responsibility "

The system of the present invention is a system in which a user requests (or possesses) an after-charge responsibility for the original payment case that the user has normally paid for and can communicate wirelessly, and / or processes the post- And an offline merchant that sells a commodity (or a service) that is available by being visited by two or more users together and is responsible for post-payment of a predetermined payment of a specific user to a designated recipient A merchant terminal (180) having an application for transferring merchandise to be transferred, a user wireless terminal (190) which has installed one or more designated apps for transferring responsibilities of a specific user to a designated target afterwards, Processing the user's payment or sending the normal payment of the specific user to a designated destination The mobile wireless terminal 190 is capable of communicating with the merchant terminal 180 of the offline merchant where the merchant application for postponing responsibilities is installed and is capable of communicating with the user wireless terminal 190 among the settlement items normally processed through the payment means of an arbitrary user, The application of the user wireless terminal 190 can check the original payment request requested by the user through the application installed in the user wireless terminal 190 and confirm that the post- (Or selected), and confirms the amount of money to be transferred to the responsible transferee. Then, the responsible transferee wireless terminal (190) corresponding to the object identification information identifies the responsible transferee object If the application is approved within the specified chargeback waiting time, When the approval of the original payment case is canceled by performing a procedure of canceling the original payment of the approved payment of responsibility, the server side of the series of procedures for replacing the originally canceled case using the approved liability- And an operation server 100 corresponding to a configuration that can be implemented or to be implemented on the server side. That is, the operating server 100 illustrated in the embodiment of the present invention is not limited to any one physical server type device, and may be implemented on the server side for the present invention, A server, a combination of two or more servers, one or more server-side software, or an optional combination thereof, and the like. Accordingly, the operational server 100 of the present invention may perform operations of the server described in the claims, or may cause a designated entity (e.g., the wireless terminal 190 and / or the merchant terminal 180) (S) of the present invention in the case of instructions / commands / engagements to perform.

The user wireless terminal 190 is a generic name of a wireless communication terminal that each user owns (or carries) and uses to request and / or process a post-settlement charge of normal processing using a payment means of a user, A mobile phone or a tablet PC in which one or more designated apps for replacing the original payment, which is normally paid by a specific user, with a post-paid responsibility, are installed.

The merchant terminal 180 is a collective term for the merchant terminal on the offline merchant that sells the designated merchandise (or service). The merchant terminal 180 preferably has a function of processing the original payment of a specific user, A tablet POS, and a designated wireless communication terminal of an affiliate shop (or employee) installed with an application for a merchant having a function of confirming responsibility transfer and replacing the original payment.

According to the embodiment of the present invention, an offline merchant having the merchant terminal 180 may store, as one of the means for identifying a merchant for processing a payment of a specific user in addition to the merchant terminal 180, 185). Preferably, the merchant-side medium 185 is a generic term for the medium 185 that includes and / or dispatches and / or outputs recognizable medium identification information via the app of the user wireless terminal 190, (For example, a Bluetooth signal for two-way Bluetooth communication, a Bluetooth signal transmitted in an asynchronous manner, and a Bluetooth signal for specifying a receiving side), which has a function of storing medium identification information (or generating in a disposable form) (Or at least one Bluetooth signal out of the Bluetooth signal transmitted from the Bluetooth terminal), a Bluetooth medium 185 for transmitting the Bluetooth ID signal to the wireless terminal 190, an NFC medium 185 capable of providing the medium identification information to the wireless terminal 190, A sound wave medium 185 having a function of storing information (or generating in a disposable form) and transmitting a predetermined sound wave signal including the medium identification information, a code image obtained by encoding the specified medium identification information, Or an image medium (185) having a function of storing (or generating in a disposable form) designated medium identification information and electronically displaying a code image obtained by encoding the medium identification information have. According to an embodiment of the present invention, the medium identification information is used to identify a franchisee having at least one medium 185 or two or more different types of mediums 185, (Not shown) in the merchant-side medium 185 to uniquely identify the merchant having the medium 185 as described above, and / And may include identification information generated by including (or concealing) identifiable information of the merchant.

According to the embodiment of the present invention, the franchise point-side medium 185 may be provided in the form of a separate medium provided to the franchisee, or may be embodied in the form of being included in the franchisee terminal 180 of the franchisee . When the franchise point side medium 185 is provided in a separate medium form, the franchise point side medium 185 may be communicated with the franchise point terminal 180 of the franchisee or may be implemented as a separate independent medium. The present invention is not limited thereto. The user wireless terminal 190 and the merchant terminal 180 interoperate with each other to allow the user wireless terminal 190 to identify the merchant through the merchant terminal 180, When the wireless terminal 190 can be identified, the separate franchise-side medium 185 may be omitted, and thus the present invention is not limited thereto.

The operating server 100 is a collective term of a server side configuration for transferring responsibilities of a specific user to a specific target in a posterior manner. The operating server 100 preferably communicates with a user wireless terminal 190 having a designated application installed therein, It is possible to communicate with the merchant terminal 180 of the offline merchant in which the application is installed and to transmit the merchandise through the app installed in the user wireless terminal 190 among the settlement items normally processed through the payment means of the arbitrary user at the arbitrary merchant A function of confirming whether the original payment is requested, a function of confirming whether the post-payment responsibility transfer process of the original payment request is possible, a function of inputting via the app of the user wireless terminal 190 A function to confirm the object identification information that identifies the selected responsibility transfer object, an amount information to be transferred to the responsibility transfer object, A function of requesting payment of responsibility for the confirmed amount information to the application of the responsible transition target wireless terminal 190 corresponding to the object identification information, A function of canceling approval of the original settlement case of the approved liability settlement when the responsibility settlement is approved; a function of canceling the approval of the original settlement case using the approved liability settlement; A function of replacing the unauthorized original payment case, or a server participating in performing one or more functions of the function through a designated object.

Referring to FIG. 1, the operation server 100 includes an affiliate shop registering unit 105 that registers an affiliate shop that permits post-event responsibility transfer by a designated person on a gift of a specific user, And a media registration unit (110) for registering the franchise point side medium (185) when the franchise point side medium (185) is provided in the franchise point. The merchant registration unit 105 and the media registration unit 110 can be registered through the merchant terminal 180 of each merchant or through a designated registration terminal Is not limited to a path or a terminal for registering. Hereinafter, the features of the present invention will be described focusing on an embodiment in which a franchisee and a medium 185 are registered using a franchise shop terminal 180 of a franchise shop.

When the merchant terminal 180 in which the specified merchant application is installed receives the predetermined merchant registration information (for example, merchant name, address, representative name, business number, contact, etc.) through the merchant application, The registration unit 105 receives the merchant registration information, confirms the validity of the merchant registration information according to the designated examination procedure, and stores the valid merchant registration information in the specified merchant point management DB.

The merchant registration unit 105 confirms merchant information (for example, merchant number (credit card number) for credit card settlement) for payment of the merchant based on the registered merchant registration information, ), Stores the received merchant information in a designated merchant management DB, and manages the merchant information. Preferably, the merchant registering unit 105 may store and manage the merchant information and the merchant registration information.

The user terminal 190 performs a procedure for identifying the user wireless terminal 190 installed with the designated application in the merchant terminal 180 for payment processing of the user and / or identifies the merchant from the user wireless terminal 190 installed the specified application The franchise registration unit 105 can register the franchise identification information for identifying the franchisee from the franchisee terminal 180 and store the franchise identification information in the designated franchisee management DB. Preferably, the merchant identification information may include identification information separately allocated (or confirmed) for identifying a specific merchant who has allowed the postal responsibility transfer by the designated subject to the prepaid payment of the specific user In this case, the merchant identification information is preferably stored in association with the merchant information and / or the merchant registration information. According to the embodiment, the merchant identification information may include any one of the information included in the merchant registration information, or may include the merchant information, but is not limited thereto.

If the franchisee's media 185 is provided, the media registration unit 110 acquires the media identification information of the franchise point side media 185 (for example, the user wireless terminal 190 ) Can register the recognizable medium identification information from the merchant point side medium 185 via one or more of Bluetooth signal recognition, NFC, sound wave signal recognition, and code image recognition, and store the recognized medium identification information in the designated merchant management DB. When generating the medium identification information (for example, the medium identification information generated in a disposable form) on the merchant point side medium 185, the medium registration section 110 registers the medium identification It is possible to store and manage the media information necessary for identifying / authenticating the information (for example, the medium identification information generated in the disposable form) in the specified merchant store management DB. , And the media registration unit 110 stores the medium identification information in association with the merchant information and / or the merchant registration information

Referring to FIG. 1, the operation server 100 includes an information registration unit 115 for registering self-identification information for identifying itself from an app of a user wireless terminal 190 installed with a designated application.

The application of the user wireless terminal 190 is installed in the wireless terminal 190 and the wireless terminal 190 in which the application is installed when the application specified in the user wireless terminal 190 is installed and the first operation (Or a combination of two or more of the users using the mobile terminal 190 / app).

According to the first embodiment of the present invention, the app of the user wireless terminal 190 receives the phone number previously assigned to the wireless terminal 190 for the phone call of the wireless terminal 190 And registers identification information including the input / verified phone number. The information registering unit 115 includes a phone number of the mobile terminal 190 from an app of the mobile terminal 190 And may store and manage the self identification information including the telephone number of the received wireless terminal 190 in the designated storage medium.

According to the second embodiment of the present invention, the app of the user wireless terminal 190 may include a unique code (for example, a unique code) assigned to the wireless terminal 190 before the application is installed in the wireless terminal 190 The information registering unit 115 performs a procedure of registering identification information including a unique code of the identified / input wireless terminal 190. The information registering unit 115 registers the identification code including the unique code of the wireless terminal 190 (e.g., IMSI, IMEI, MSISDN, UICCID, Receiving identification information including a unique code of the wireless terminal 190 from an app of the wireless terminal 190 and storing the identification information including the unique code of the received wireless terminal 190 in a specified storage medium .

According to the third embodiment of the present invention, the application of the user wireless terminal 190 is installed in the wireless terminal 190 after the application is installed in the wireless terminal 190 (In conjunction with a designated server) to uniquely identify / authenticate the wireless terminal 190 that installed the application or to generate / assign a separate token code that is not redundant, And the information registration unit 115 receives the identification information including the generated / allocated separate token code from the app of the wireless terminal 190 , And stores the self-identification information including the received token code in a designated storage medium for management.

According to the fourth embodiment of the present invention, an app of the user wireless terminal (190) may include an identification for identifying / authenticating a dynamic number to be dynamically generated by the wireless terminal (190) The information registration unit 115 receives the identification registration information from the application of the wireless terminal 190, identifies the identification information including the received identification registration information, Can be stored and managed on a designated storage medium. For example, if the dynamic number is generated using a code value separately generated / determined from the telephone number of the wireless terminal 190 and stored in a designated storage area of the wireless terminal 190, And may include the telephone number and code value needed to generate the dynamic number.

According to the fifth embodiment of the present invention, the app of the user wireless terminal 190 registers the identification information obtained by combining at least two of the first through fourth embodiments And the information registration unit 115 may receive the identification information and manage the self identification information including the received identification information by storing the identification information in a designated storage medium.

Meanwhile, the application of the user wireless terminal 190 may perform a procedure of receiving and registering user information for identifying a user using the wireless terminal 190 (or an app) User information can be received and stored on a designated storage medium for management.

Referring to FIG. 1, the operation server 100 transmits an after-sales responsibility through an application installed in the user wireless terminal 190 among payment items normally processed through payment means of an arbitrary user at an affiliated shop And a original payment confirmation unit 125 for confirming the requested original payment. When the original payment is processed in connection with the operation server 100, the user performs a designated procedure for processing the original payment And an original payment processing section.

The original payment of the present invention is an offline settlement in which the merchant terminal 180 recognizes the user payment means and performs settlement processing without involvement of the application of the user wireless terminal 190, The user of the user wireless terminal 190 recognizes the merchant-side medium 185 or the merchant terminal 180 provided in the merchant and performs payment processing Lt; RTI ID = 0.0 > of < / RTI > reverse payment. Here, the offline payment and the forward payment have a forward flow in which the merchant terminal 180 recognizes the information of the payment means or the wireless terminal 190 and transmits the information to the server, while the reverse payment is performed in the application of the user wireless terminal 190 And a reverse flow for recognizing and processing payment.

According to the first original payment method of the present invention, a user who has an arbitrary merchant (for example, a merchant who can use the postal responsibility transfer) purchases a merchandise (or a service) to be sold at the merchant, (E.g., a credit card, a check card, etc.) of the user. The merchant terminal 180 of the merchant receives the payment amount to be paid from the salesperson (or calculates based on the order information), recognizes the user payment means presented by the user, recognizes the payment means of the user The billing system 195 generates a request telegram including the payment means information, the entered payment amount, and the merchant information of the merchant, and transmits the request telegram to the designated payment system 195 via the designated payment path. A payment approval process of receiving the request telegram via the mobile communication terminal and processing the payment amount to the merchant for the merchant information using the payment means information included in the request telegram, And transmits it to the merchant terminal 180 via the designated payment path. The merchant terminal 180 may output a receipt including the settlement result included in the result text. Alternatively, the payment system 195 may send a message including the payment result to the user wireless terminal 190 associated with the payment means.

In the case of the first original payment application, the application of the user wireless terminal 190 that has processed the original payment recognizes the payment means of the user at the merchant terminal 180, And displays an interface for inputting the original payment information for identifying the one payment item to be requested. The user inputs the original payment information for requesting the post-payment responsibility transfer through the interface with reference to the receipt or the message. Preferably, the original payment information includes one or more pieces of information selected from payment means issuer information, payment means information, merchant information, payment approval information, payment date information, can do.

When the user of the user wireless terminal 190 transmits the original payment information input through the interface, the original payment confirmation unit 125 receives the original payment information from the application of the wireless terminal 190, (For example, one or more pieces of information of the payment instrument issuer information, the payment instrument information, the merchant information, the payment approval information, the payment date information, and the payment amount information) included in the original payment information, It is possible to confirm the original payment request that is requested to be transferred to the postal account through the application of the wireless terminal 190.

According to the second original payment method of the present invention, a user who has an arbitrary merchant shop (for example, a merchant who can use the postage responsibility transfer) purchases a merchandise (or service) And transmits unique identification information of the user wireless terminal 190 to the merchant terminal 180 through a designated procedure (e.g., Bluetooth signal recognition, NFC, sound wave signal recognition, code image recognition, key input) To be recognized.

According to an embodiment of the present invention, the unique identification information may include self identification information that the app of the user wireless terminal 190 identifies itself. For example, the unique identification information may include a phone number of the user wireless terminal 190, a unique code assigned to the user wireless terminal 190, a non-redundantly allocated token after the app is installed in the user wireless terminal 190 A dynamic number generated by the user wireless terminal 190 that is not generated redundantly, and a dynamic number generated through the designated server that is not duplicated and provided to the user wireless terminal 190. However, the unique identification information provided from the app of the user wireless terminal 190 to the merchant terminal 180 for identification of the merchant of the present invention is not limited to the above example, and various identification information may be used according to the intention of a person skilled in the art .

The franchisee terminal 180 recognizes and acquires the unique identification information of the user wireless terminal 190 and confirms the franchisee identification information that uniquely identifies the franchisee provided with the franchisee terminal 180, And transmits the acquired unique identification information to the designated operating server 100. The original payment processing unit receives the merchant identification information and the unique identification information from the merchant terminal 180. [ The original payment processing unit identifies a user matching the received unique identification information and identifies merchant information matching the merchant store identification information based on the information registered through the merchant store registering unit 105. [ Meanwhile, the merchant terminal 180 transmits to the operation server 100 a payment amount to be processed for payment through the application of the user wireless terminal 190 before, during, or after transmission of the unique identification information, And receives the payment amount from the merchant terminal 180. The original payment processing unit provides the merchant information corresponding to the merchant identification information to the user wireless terminal 190 corresponding to the unique identification information and the payment amount received from the merchant terminal 180.

The application of the user wireless terminal 190 registers or manages the user payment means in the security medium on the designated payment system 195 or registers or manages the user payment means in the specified security area of the wireless terminal 190, The payment method information of the user can be inputted at the time point and payment processing can be performed. When the merchant information and the payment amount are received from the operation server 100, the app of the user wireless terminal 190 extracts / inputs the user's payment means through the designated payment system 195, It is possible to perform a payment procedure for processing the payment amount to be paid to the corresponding merchant. For example, when the user payment means is registered in the security medium on the designated payment system 195, the application of the user wireless terminal 190 may include an identifier for extracting the user payment means registered in the security medium on the payment system 195, The settlement request information including the money amount and the merchant information may be transmitted to the settlement system 195 or may be transmitted to the settlement system 195 via the operation server 100 , The settlement system 195 receives the settlement request information, extracts the user payment means registered in the security medium designated by the identifier, and transmits a settlement approval procedure for processing the settlement amount to the merchant corresponding to the merchant information And transmits result information including the payment result of the payment approval procedure to the app of the user wireless terminal 190 Or the production server 100 (= original payment process unit) may be a treatment to be delivered to the app of the user's wireless terminal 190 via. Alternatively, the application of the user wireless terminal 190 extracts user payment means stored in the designated security area of the wireless terminal 190 or receives the input from the user, and stores the payment means information of the extracted / input user, May be transmitted to the settlement system 195 or may be transmitted to the settlement system 195 via the operation server 100 (= original settlement procedure unit) The control unit 195 may perform the payment approval process for receiving the payment request information and processing the payment amount to the merchant corresponding to the merchant information through the payment information, And transmits the result information to an app of the user wireless terminal 190 or transmits the result information to the user terminal 100 via the operating server 100 To be delivered to the user's wireless terminal 190's app. Meanwhile, the original payment confirmation unit 125 may receive payment result information from the application (or original payment procedure unit) of the user wireless terminal 190, and may store and manage the result information.

In the case of the second original payment application, the application of the user wireless terminal 190 that has processed the original payment stores the result information about the payment case normally processed in connection with the specified payment system 195 in the designated storage area And / or share / register with the operation server 100. [ Meanwhile, the application of the user wireless terminal 190 displays an interface for selecting one original payment request for requesting the post-payment responsibility among the normally processed payment items (if the latest payment is automatically selected) An interface may be displayed requesting a post-payment responsibility transfer for the original payment. The application of the user wireless terminal 190 may transmit the payment transaction identification information (e.g., identification information of the operation server 100) identifying the selected payment transaction, And / or information for identifying the payment method issuer information, the payment means information, the merchant information, the payment approval information, and the payment approval information for the selected original payment item) Settlement date information, and settlement amount information, and transmits the original payment information to the operation server 100, thereby requesting the post-settlement charge transfer for the selected original settlement case.

When the original payment information is transmitted from the application of the user wireless terminal 190, the original payment confirmation unit 125 receives the original payment information from the application of the wireless terminal 190, Or inquire through the designated server, and confirm the original payment request requested by the user wireless terminal 190 through the application of the postal responsibility.

According to the third original payment method of the present invention, the franchisee who can use the post-charge responsibility transfer has the merchant point-side medium 185 for sending / outputting the designated medium identification information recognizable through the application of the user wireless terminal 190 When a user operates an app of the user wireless terminal 190 after purchasing a product (or service) sold at the merchant, the app of the wireless terminal 190 performs a specified media recognition procedure (for example, Bluetooth signal recognition , At least one of NFC, sound wave signal recognition, and code image recognition) from the merchant-side medium 185 provided in the merchant.

According to an embodiment of the present invention, the merchant-side medium 185 includes a Bluetooth medium 185 for transmitting a Bluetooth signal including the medium identification information, an NFC medium 185 having the medium identification information, ), A sound wave (185) for transmitting the sound wave signal encoding the medium identification information, and an image medium (185) having a code image obtained by encoding the medium identification information .

According to an embodiment of the present invention, the app of the user wireless terminal 190 is connected to the merchant-side medium 185 through at least one of bluetooth signal, NFC, sound wave signal, and code image recognition corresponding to the merchant- And transmits the recognized medium identification information and the identified magnetic identification information to the specified operation server 100. The control unit 100 transmits the identified medium identification information to the designated operating server 100, The payment processing unit receives the medium identification information and the self identification information from the app of the user wireless terminal (190). The original payment processing unit checks the merchant information of the merchant having the merchant-side medium 185 corresponding to the medium identification information based on the information registered through the medium registration unit 110. [ Meanwhile, the merchant terminal 180 transmits a payment amount to be processed through an app of the user wireless terminal 190 before, during, or after the medium identification information is recognized through the app of the user wireless terminal 190, And the original payment processing unit may receive the payment amount from the merchant terminal 180. The original payment processing unit may store the merchant information having the merchant-side medium 185 corresponding to the medium identification information in the app of the user wireless terminal 190 corresponding to the self identification information and the payment information received from the merchant terminal 180 Provide the amount. Meanwhile, according to the embodiment, the payment amount may be transmitted / outputted through the merchant-side medium 185 and recognized as an app of the user wireless terminal 190.

The application of the user wireless terminal 190 registers or manages the user payment means in the security medium on the designated payment system 195 or registers or manages the user payment means in the specified security area of the wireless terminal 190, The payment method information of the user can be inputted at the time point and payment processing can be performed. When the merchant information and the payment amount are received from the operation server 100, the app of the user wireless terminal 190 extracts / inputs the user's payment means through the designated payment system 195, It is possible to perform a payment procedure for processing the payment amount to be paid to the corresponding merchant. For example, when the user payment means is registered in the security medium on the designated payment system 195, the application of the user wireless terminal 190 may include an identifier for extracting the user payment means registered in the security medium on the payment system 195, The settlement request information including the money amount and the merchant information may be transmitted to the settlement system 195 or may be transmitted to the settlement system 195 via the operation server 100 , The settlement system 195 receives the settlement request information, extracts the user payment means registered in the security medium designated by the identifier, and transmits a settlement approval procedure for processing the settlement amount to the merchant corresponding to the merchant information And transmits result information including the payment result of the payment approval procedure to the app of the user wireless terminal 190 Or the production server 100 (= original payment process unit) may be a treatment to be delivered to the app of the user's wireless terminal 190 via. Alternatively, the application of the user wireless terminal 190 extracts user payment means stored in the designated security area of the wireless terminal 190 or receives the input from the user, and stores the payment means information of the extracted / input user, May be transmitted to the settlement system 195 or may be transmitted to the settlement system 195 via the operation server 100 (= original settlement procedure unit) The control unit 195 may perform the payment approval process for receiving the payment request information and processing the payment amount to the merchant corresponding to the merchant information through the payment information, And transmits the result information to an app of the user wireless terminal 190 or transmits the result information to the user terminal 100 via the operating server 100 To be delivered to the user's wireless terminal 190's app. Meanwhile, the original payment confirmation unit 125 may receive payment result information from the application (or original payment procedure unit) of the user wireless terminal 190, and may store and manage the result information.

In the case of the third original payment application, the application of the user wireless terminal 190 that has processed the original payment stores the result information about the payment case normally processed by the payment system 195 in the specified storage area And / or share / register with the operation server 100. [ Meanwhile, the application of the user wireless terminal 190 displays an interface for selecting one original payment request for requesting the post-payment responsibility among the normally processed payment items (if the latest payment is automatically selected) An interface may be displayed requesting a post-payment responsibility transfer for the original payment. The application of the user wireless terminal 190 may transmit the payment transaction identification information (e.g., identification information of the operation server 100) identifying the selected payment transaction, And / or information for identifying the payment method issuer information, the payment means information, the merchant information, the payment approval information, and the payment approval information for the selected original payment item) Settlement date information, and settlement amount information, and transmits the original payment information to the operation server 100, thereby requesting the post-settlement charge transfer for the selected original settlement case.

When the original payment information is transmitted from the application of the user wireless terminal 190, the original payment confirmation unit 125 receives the original payment information from the application of the wireless terminal 190, Or inquire through the designated server, and confirm the original payment request requested by the user wireless terminal 190 through the application of the postal responsibility.

According to the fourth original payment method of the present invention, the merchant terminal 180 provided in the merchant that can use the post-pay account can transmit / output the merchant identification information recognizable through the app of the user wireless terminal 190 When a user operates an app of the user wireless terminal 190 after purchasing a product (or service) sold at the merchant, the app of the wireless terminal 190 performs a predetermined recognition process (for example, Bluetooth signal recognition, NFC, Sound wave signal recognition, and code image recognition) from the merchant terminal 180, as shown in FIG.

According to the embodiment of the present invention, the app of the user wireless terminal 190 recognizes the merchant identification information transmitted / output from the merchant terminal 180, identifies the self identification information for identifying the merchant, The originating payment processing unit receives the merchant identification information and the self identification information from the app of the user wireless terminal (190), and transmits the merchant identification information and the identified self identification information to the specified operating server (100). The original payment processing unit confirms the merchant information of the merchant corresponding to the merchant store identification information based on the information registered through the merchant store registering unit 105. [ Meanwhile, the merchant terminal 180 transmits a payment amount to be processed through the app of the user wireless terminal 190 before, during, or after the merchant identification information is recognized through the app of the user wireless terminal 190, And the original payment processing unit may receive the payment amount from the merchant terminal 180. The original payment processing unit provides the merchant information corresponding to the merchant identification information to the app of the user wireless terminal 190 corresponding to the self identification information and the payment amount received from the merchant terminal 180. [ Meanwhile, the payment amount may be transmitted / outputted through the merchant terminal 180 and recognized as an app of the user wireless terminal 190 according to the method.

The application of the user wireless terminal 190 registers or manages the user payment means in the security medium on the designated payment system 195 or registers or manages the user payment means in the specified security area of the wireless terminal 190, The payment method information of the user can be inputted at the time point and payment processing can be performed. When the merchant information and the payment amount are received from the operation server 100, the app of the user wireless terminal 190 extracts / inputs the user's payment means through the designated payment system 195, It is possible to perform a payment procedure for processing the payment amount to be paid to the corresponding merchant. For example, when the user payment means is registered in the security medium on the designated payment system 195, the application of the user wireless terminal 190 may include an identifier for extracting the user payment means registered in the security medium on the payment system 195, The settlement request information including the money amount and the merchant information may be transmitted to the settlement system 195 or may be transmitted to the settlement system 195 via the operation server 100 , The settlement system 195 receives the settlement request information, extracts the user payment means registered in the security medium designated by the identifier, and transmits a settlement approval procedure for processing the settlement amount to the merchant corresponding to the merchant information And transmits result information including the payment result of the payment approval procedure to the app of the user wireless terminal 190 Or the production server 100 (= original payment process unit) may be a treatment to be delivered to the app of the user's wireless terminal 190 via. Alternatively, the application of the user wireless terminal 190 extracts user payment means stored in the designated security area of the wireless terminal 190 or receives the input from the user, and stores the payment means information, the payment amount, and the merchant information The settlement system 195 may transmit the settlement request information including the settlement request information to the settlement system 195 or may be transmitted to the settlement system 195 via the operation server 100 (= original settlement procedure unit) 195 may receive the payment request information and perform a payment approval procedure for processing the payment amount to the merchant corresponding to the merchant information through the payment means information, The result information is transmitted to an app of the user wireless terminal 190 or is transmitted to the user via the operating server 100 (= original payment procedure unit) To be transferred to the application of the wireless terminal 190.

Meanwhile, the original payment confirmation unit 125 may receive payment result information from the application (or original payment procedure unit) of the user wireless terminal 190, and may store and manage the result information.

In the case of the fourth original payment, the application of the user wireless terminal 190 that has processed the original payment stores the result information about the payment case normally processed by the payment system 195 in the designated storage area And / or share / register with the operation server 100. [ Meanwhile, the application of the user wireless terminal 190 displays an interface for selecting one original payment request for requesting the post-payment responsibility among the normally processed payment items (if the latest payment is automatically selected) An interface may be displayed requesting a post-payment responsibility transfer for the original payment. The application of the user wireless terminal 190 may transmit the payment transaction identification information (e.g., identification information of the operation server 100) identifying the selected payment transaction, And / or information for identifying the payment method issuer information, the payment means information, the merchant information, the payment approval information, and the payment approval information for the selected original payment item) Settlement date information, and settlement amount information, and transmits the original payment information to the operation server 100, thereby requesting the post-settlement charge transfer for the selected original settlement case.

When the original payment information is transmitted from the application of the user wireless terminal 190, the original payment confirmation unit 125 receives the original payment information from the application of the wireless terminal 190, Or inquire through the designated server, and confirm the original payment request requested by the user wireless terminal 190 through the application of the postal responsibility.

According to the fifth original payment method of the present invention, the original payment using the payment means of the user may be implemented in a form of at least partially combining at least two embodiments among the first to fourth original payment embodiments It is clear that the present invention includes various embodiments in which the above embodiments are combined as a scope of right.

The original payment confirming unit 125 is a payment settlement unit that has been normally processed and paid through an arbitrary user's payment means in an arbitrary merchant associated with the operating server 100 (for example, a merchant registered through the merchant registering unit 105) (For example, a payment transaction that has undergone a normal payment process through at least one of the first to fifth original payment applications), the at least one user (For example, a settlement request requested by the user of the user wireless terminal 190 after the normal settlement processing through at least one of the first through fifth original payment embodiments) . Preferably, the original payment confirming unit 125 receives information necessary for performing the post-charge transferring procedure of the original payment request (for example, information on the payment means issuer of the original payment request, payment means information, merchant information, Date information, and payment amount information).

Referring to FIG. 1, the operation server 100 includes an accountability transfer authentication unit 130 for authenticating whether a post-charge transfer process can be performed for the original account requested to be transferred, and a post- An object confirmation unit 135 for confirming object identification information that identifies an object of charge transfer input (or selected) through the application of the user wireless terminal 190 when charge transfer processing is possible; And an amount information confirming unit 145 for confirming the amount of money information to be paid. The mobile terminal 190 reads the target identification information, checks whether the application designated in the responsible mobile wireless terminal 190 is installed, And an object authentication unit 140 for inducing the terminal 190 to install the application.

When the original payment request requested by the user wireless terminal 190 through the application payment unit 125 is confirmed, the responsibility transfer authentication unit 130 transmits an application of the user wireless terminal 190 Responsibility Transfers Through the process of authenticating whether the post-settlement charge processing according to the procedure of the present invention is possible for the original payment requested.

The post-liability transfer process of the present invention includes a process of canceling the original payment after the account settlement process by the account transfer designated by the user. Accordingly, in the case where the operation server 100 can cancel the authorization by canceling the approval of the original payment, it is possible to proceed with the transfer of the responsibility after the original payment, A procedure can be performed to verify whether the requested original payment can be canceled.

According to the first responsibility transfer authentication method of the present invention, the responsibility transferring authentication unit 130 reads the payment method issuer information and the payment method information of the requested original payment request, Can be authenticated as a payment means of a payment means issuer capable of canceling an approval by requesting an approval cancellation from the operation server 100. [ For example, the merchant of the originating payment can cancel the original payment at any time within the date on which the authorization cancellation is possible. On the other hand, in order for the operation server 100, which is not a franchisee of original payment, to cancel the approval of the payment transaction that has been normally processed at a specific franchisee, it may be necessary to cooperate with the payment means issuer and / When the payment unit used in the original payment is the payment unit issued by the payment unit issuer in which the affiliation related to the approval canceling service is performed, the pass / fail authentication unit 130 reads the payment unit issuer information and the payment means information, Transfer of Responsibility You can certify that the post-settlement charge processing for the original payment request is possible.

According to the second responsibility transfer authentication method of the present invention, a predetermined responsibility transfer waiting time is counted until an account settlement according to the account transfer request is approved after a request for transfer of responsibility for a specific original payment is requested , The responsibility transferring authentication unit 130 adds a responsibility transferring waiting time designated for transferring the responsibility of the original payment to the post-payment responsibility transfer request (for example, the current date and time) (E.g., 7 days after the payment approval) of the original payment request based on the payment date and time information of the original payment request, and then the calculated payment completion date and time is checked And can confirm that the original payment is within the unauthorized cancellation day. In other words, if the liability burden payment completion date and time after applying the liability transfer waiting time is within the allowable cancellation day, the original settlement after settlement of liability can be canceled, Responsibility burden of adding responsibility charge transfer waiting time designated at the time of request transfer When the payment completion date is within the permitted cancellation date of the original payment request, .

According to the third responsibility transfer authentication method of the present invention, the responsibility transferring authentication unit 130 reads out the merchant information of the original payment request requested by the responsibility transfer and notifies the franchisee of the original payment to the approval server It is possible to certify that the merchant is able to request and cancel the authorization. For example, the merchant of the originating payment can cancel the original payment at any time within the date on which the authorization cancellation is possible. On the other hand, in order to cancel the approval of the payment transaction that was processed normally at the specific merchant in the operation server 100, which is not the merchant of the original payment, it may be necessary to cooperate with the merchant for the approval canceling service, If the franchisee of the original payment is an affiliate shop affiliated with the approval canceling business, it can be authenticated that the post-charge charge transfer process can be performed on the original charge requested to be transferred.

According to the fourth responsibility transfer authentication embodiment of the present invention, the responsibility transferring authentication unit 130 at least partially combines at least two of the first through third responsibility transfer authentication embodiments, It is possible to certify that the post-charge charge-off process is possible, and thus the present invention is not limited thereto.

If the object identification unit 135 is authenticated as being capable of performing the post-charge transfer processing of the original payment request through the account transfer unit authentication unit 130, the object identification unit 135 may input (or select) the application through the application of the user wireless terminal 190, Identify the target identification information that identifies the responsible transfer target.

The application of the user wireless terminal 190 is an interface for inputting object identification information for identifying the responsibility transfer object at a designated time before, during, or after requesting the post-charge responsibility transfer of the original payment request to the operation server 100 . The app of the user wireless terminal 190 can input (or select from the address book / contact / acquaintance list, etc.) the object identification information that identifies the specific responsibility transfer object excluding the user himself or herself through the interface.

According to the embodiment of the present invention, the object identification information is information of the responsibility transfer object inputted through the application of the user wireless terminal 190, the contact list of the user wireless terminal 190, Identification information of the user wireless terminal 190, and identification information of the responsibility transfer object that has requested (or permitted) the responsibility of the user to the application of the user wireless terminal 190 using the wireless communication. Preferably, the object identification information includes a telephone number of the wireless terminal 190 corresponding to the responsibility transfer object, account information of the object corresponding to the responsible transfer object (for example, ID information registered while registering in the operation server 100, Mail address (for example, it can be shared through a mail address, a contact list or an acquaintance list registered while registering with the operation server 100) corresponding to the responsible transfer target, A unique code assigned to the target wireless terminal 190 received from the wireless terminal 190 corresponding to the responsible party to the user wireless terminal 190 using the app, And the token code of the subject wireless terminal 190 that is separately allocated and received by the app of the user wireless terminal 190 using wireless communication.

The application of the user wireless terminal 190 may transmit the object identification information (or the selection information) input (or selected) through the interface to the operation server 100 at a designated time before, during, or after the request for post- To the operation server 100. The object identifying unit 135 may receive the object identification information input (or selected) through the application of the user wireless terminal 190.

When the object identification information is confirmed through the object identification unit 135, the object authentication unit 140 reads the object identification information and checks whether the application designated in the responsible agent wireless terminal 190 is installed. If the application is not installed in the responsible transit target wireless terminal 190, the target authentication unit 140 may induce installation of the application through the target wireless terminal 190 that has not installed the application .

When the object identification information corresponding to the responsible transfer object is confirmed through the object identification unit 135 and / or the validity of the responsible transfer object corresponding to the object identification information is authenticated through the object authentication unit 140, The information confirmation unit 145 confirms the amount of money to be transferred to the responsible transfer destination. Preferably, the amount information confirmation unit 145 can confirm the amount information including the payment amount of the original payment.

Referring to FIG. 1, the operation server 100 includes an accountability transfer procedure unit (hereinafter, referred to as an accountability transfer process unit) 130 for requesting an account of the responsible person for the confirmed money amount information to an application of the responsible transfer target wireless terminal 190 corresponding to the object identification information 150), an accountability transfer confirmation unit (155) for confirming whether the account settlement is approved within the designated account transfer waiting time, and an accountability check unit (155) for canceling the original account settlement of the authorized account settlement if the account settlement is approved And a payment replacing unit 165 for replacing the rejected original payment case by using the approved liability settlement when the approval of the original payment request is canceled.

The responsibility transferring procedure unit 150 transmits the responsible transferring person's responsibility to the responsibility transferring person's wireless terminal 190 corresponding to the object identification information, Through the app of the original payment, the payment process of the responsible charge for the charge information to be transferred to the franchisee of the original payment.

According to an embodiment of the present invention, the responsibility transferring procedure unit 150 provides the agent information of the original payment to the application of the responsible transferring wireless terminal 190, The merchant information may be used to process the charge-off payment process for the amount-of-charge information transferred through the account transferring method. Meanwhile, the responsibility transferring procedure unit 150 starts counting the account transfer waiting time for waiting for the responsibility settlement to be approved. Meanwhile, the charge transfer waiting time may be started to be counted by the charge transfer factor verifying unit 155 according to the method.

The application of the responsibility transferring party wireless terminal 190 registers or manages the user payment means in the security medium on the designated payment system 195 or registers or manages the user payment means in the designated security area of the wireless terminal 190, At the time of payment, the payment method information of the user can be inputted and payment can be processed. When the merchant information and the money amount information are received (or confirmed) from the operating server 100 by the application of the wireless terminal 190, the application of the wireless terminal 190 transmits The payment means may be extracted / input and a payment procedure may be performed so that the responsible liability amount corresponding to the amount information is paid to the merchant corresponding to the merchant information. For example, when the user payment means is registered in the security medium on the designated payment system 195, the application of the wireless terminal 190 is provided with an identifier for extracting the user payment means registered in the security medium on the payment system 195, The settlement request information including the amount of money and the merchant information is transmitted to the settlement system 195 or is transmitted to the settlement system 195 via the operation server 100 (= the account transfer procedure unit 150) The payment system 195 receives the payment request information, extracts the user payment means registered in the security medium designated through the identifier, and processes the responsible charge amount to the merchant corresponding to the merchant information And transmits result information including the payment result of the payment approval procedure to the app of the wireless terminal 190 Or the production server 100 (= charge transfer process unit 150) can be processed by way of the transmission to be in Application of the radio terminal 190. The Alternatively, the application of the wireless terminal 190 extracts user payment means stored in the designated security area of the wireless terminal 190 or receives input from the user, and stores the payment means information of the extracted / input user, the liability amount, To the payment system 195 or to the payment system 195 via the operating server 100 (= charge transfer procedure unit 150) The settlement system 195 may receive the settlement request information and perform a settlement approval procedure to settle the liable amount of money to an affiliated store corresponding to the merchant information through the settlement means information. And transmits result information including the payment result to the app of the wireless terminal 190 or via the operation server 100 (= charge transfer procedure unit 150) It may be treated to be passed to the app based wireless terminal 190. The Meanwhile, the responsibility transfer confirmation unit 155 may receive and manage payment result information from the app (or the account transfer procedure unit 150) of the wireless terminal 190. [

Meanwhile, the responsibility transferring application verifying unit 155 receives from the application of the wireless terminal 190 the result of the responsible payment settlement, It is possible to receive the result information of the responsibility burden payment. Alternatively, the responsibility transfer confirmation unit 155 may check the result information of the account settlement in cooperation with the accountability transfer procedure unit 150. The responsibility transfer confirmation unit 155 reads out the confirmed result information received from the app of each wireless terminal 190 or interlocked with the responsibility transfer procedure unit 150 and transmits the application of the responsibility transfer target wireless terminal 190 And to confirm that the settlement of the responsibility burden carried out is approved.

According to the method of the present invention, the responsibility transfer confirmation unit 155 may check the account transfer waiting time for the account settlement and check whether the account settlement is approved within the account transfer wait time.

If the responsibility settlement is not approved within the charge transfer waiting time, the charge transfer confirmation unit 155 extends the charge transfer waiting time (for example, approves extension through the application of the user wireless terminal 190) Responsibility You can check whether payment is approved. If the account settlement is not approved even after the account transfer waiting time elapses, the original account settlement of the user is not canceled and remains unchanged.

On the other hand, if the account settlement is approved, the original settlement cancellation unit 160 performs a process of canceling approval of the original settlement that is the source of the account settlement. Preferably, the original payment canceling unit 160 may request authorization canceling to the designated payment system 195 by using the original payment information of the original payment request, and cancel authorization. On the other hand, the original payment canceling unit 160 can cancel the approval of the original payment to the merchant terminal 180 of the original payment request according to the method.

When the approval of the original payment request is canceled through the original payment canceling unit 160, the payment substitution unit 165 replaces the disapproved original payment item using the approved liability payment. According to the method of the present invention, the payment substitution unit 165 may receive original payment cancellation information (for example, payment means issuer information for unauthorized original payment, payment means information, Payment cancellation information including at least one of information, approval cancellation information, cancellation date information, and approval cancellation amount information) and the approved accountable payment information (for example, payment means issuer information for settlement of accountability payment, Chargeable settlement information including at least one of information, merchant information, payment approval information, settlement date information, and chargeable amount information) can be stored in association with each other.

On the other hand, if it is possible to communicate with the merchant terminal 180 of the original payment agent at the time of withdrawal of the original payment request, the payment substitution unit 165 transmits the original payment cancellation information on the canceled original payment article to the merchant terminal 180 In this case, the merchant terminal 180 can receive the original payment cancellation information from the operation server 100 and output it. Alternatively, the payment substitution unit 165 may provide the responsible payment information for the authorized liability settlement to the merchant terminal 180. In this case, the merchant terminal 180 may receive from the operation server 100 It is possible to receive and output the responsible payment information.

2 is a diagram illustrating an information registration process according to an embodiment of the present invention.

2 shows a process of registering the self-identification information and the user information through the app of the user wireless terminal 190 installed with the designated app and registering the merchant through the merchant terminal 180, Those skilled in the art will be able to refer to and / or modify the FIG. 2 to implement various embodiments of the information registration process (for example, some steps may be omitted or the order may be changed) However, the present invention is not limited to the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 2, the user wireless terminal 190 installs and operates a designated application (200), and the application running on the user wireless terminal (190) receives the identification information in the form of unique identification information (205) or confirms (205) the identification registration information necessary for identifying / authenticating the self identification information including the dynamic number in the designated operation server (100), and registers the self identification information in the designated operation server (210), the operation server (100) confirms (215) the self identification information for identifying the self by the app of the mobile terminal (190) installed the designated app, and stores the identified self identification information (220). Preferably, the self-identification information includes a telephone number of the user wireless terminal 190, a unique code assigned to the user wireless terminal 190, a non-redundantly allocated token code after the app is installed in the user wireless terminal 190 A dynamic number that is not duplicated in the user wireless terminal 190, and a dynamic number that is not duplicated through the designated server and is provided to the user wireless terminal 190.

Meanwhile, the application of the user wireless terminal 190 receives the user information 225 and requests registration to the designated operation server 100 (230). The operation server 100 receives the request from the application of the wireless terminal 190 The user information requested to be registered is received (235), and the user information and the self-identification information are linked and stored (240).

Meanwhile, the merchant terminal 180 of the merchant shop requests registration of the merchant store registration information including the information input through the merchant terminal 180 and / or the information stored in the designated storage area to the designated operating server 100 The operating server 100 receives the merchant registration information from the merchant terminal 180 and stores the received merchant registration information in step 250. The merchant registration information is registered in the merchant terminal 180 to register the merchant information for payment of the corresponding merchant (Not shown) from the management server (not shown) using the merchant registration information, and receives the merchandise information from the merchant terminal 180 via a separate channel (255), and associates the merchant information with the merchant registration information (260).

On the other hand, when the franchisee-side medium 185 is provided at the franchisee, the franchisee terminal 180 requests the specified operating server 100 to register the medium identification information of the franchisee-side medium 185 provided at the franchisee The operation server 100 receives the medium identification information for the medium 185 of the franchise point of the franchisee, and stores the franchise point information and the medium identification information in association with each other.

FIG. 3 is a diagram illustrating an example of a reverse identification process for original payment according to an embodiment of the present invention.

More specifically, FIG. 3 identifies the medium identification information transmitted / outputted from the merchant-point-side medium 185 provided at the merchant in the app of the user wireless terminal 190 to process the original payment and transmits it to the operation server 100 The operation server 100 identifies / authenticates the medium identification information and identifies a franchisee having the franchise point side medium 185. As a person skilled in the art to which the present invention pertains, Referring to and / or modified with reference to FIG. 3, it will be appreciated that various implementations of the franchisee identification process may be inferred (e.g., some of the steps may be omitted or the sequence changed) And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 3, a merchant-side medium 185 provided at an affiliated store identifies (300) (may be omitted) medium identification information that uniquely identifies a merchant having the corresponding media 185. The merchant point-side medium 185 transmits / outputs the medium identification information for identifying the merchant having the corresponding medium 185 (305). Meanwhile, according to the embodiment, the merchant-side medium 185 can further transmit / output a payment amount for requesting payment in addition to the medium identification information, and thus the present invention is not limited thereto. On the other hand, according to another embodiment, the franchise terminal 180 having the franchise point-side medium 185 at a specified point in time before and after the franchise point-side medium 185 transmits / outputs the medium identification information, The payment amount to be requested for payment can be transmitted to the application of the user wireless terminal 190 that recognizes the identification information, and thus the present invention is not limited thereto.

Meanwhile, the app of the user wireless terminal 190 recognizes (310) media identification information transmitted / outputted from the merchant-side medium 185, and stores the medium identification information recognized from the merchant- The operation server 100 transmits the identification information of the user terminal 190 to the designated operation server 100 and the operation server 100 receives the medium identification information and the identification information from the user wireless terminal 190, .

The operation server 100 identifies the application of the user wireless terminal 190 corresponding to the self identification information 325 and stores the merchant information of the merchant having the merchant point side medium 185 corresponding to the medium identification information (330).

4 is a diagram illustrating an example of a forward identification process for original payment according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates the case where the unique identification information of the user wireless terminal 190 is obtained from the merchant terminal 180 and transmitted to the operating server 100 together with the merchant identification information, The user of the corresponding user wireless terminal 190 and the franchisee corresponding to the franchisee identification information are identified. As a person skilled in the art, The present invention is not limited to the above-described embodiments, and various modifications may be made without departing from the spirit and scope of the present invention. For example, The technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 4, the app of the user wireless terminal 190 transmits / outputs unique identification information designated for identifying an affiliate shop (400). The merchant terminal acquires the unique identification information transmitted / outputted from the user wireless terminal 190 (405), and transmits the unique identification information acquired from the user wireless terminal 190 to the merchant terminal 180 410 to the operating server 100 and may transmit the payment amount to the operating server 100 in response to the request of the user wireless terminal 190 according to the method of operation 410.

Meanwhile, the operation server 100 receives the unique identification information and the merchant identification information from the merchant terminal 180 (step 415), and further receives the payment amount requested by the merchant terminal 180 according to the method (415). The operation server 100 identifies an application of the user wireless terminal 190 corresponding to the unique identification information 420 and confirms the merchant corresponding to the merchant identification information at operation 420.

5 is a diagram illustrating a process of processing an original payment through an app of a user wireless terminal 190 according to an embodiment of the present invention.

5 illustrates a process of processing the original payment for the merchant identified through the process of FIG. 3 or FIG. 4 through the application of the user wireless terminal 190, and FIG. , It is possible to refer to and / or modify the FIG. 5 to infer the various methods for the original payment processing (for example, omitting some steps or changing the order) However, the present invention is not limited to the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 5, the operation server 100 checks (500) the application of the user wireless terminal (190) and the original payment target merchant information identified in the process of FIG. 3 or FIG. 4, And transmits the merchant information and the settlement amount to an app of 505 to request payment processing.

The application of the user wireless terminal 190 receives the merchant information and the payment amount for the original payment processing from the operation server 100 in step 510 and transmits the payment to the user designated by the payment system 195, (Step 515). The payment system 195 receives a payment request through an application of the wireless terminal 190 via a designated path (step 520) After completing a payment approval procedure for processing payment of a payment request (step 525), information on the result of the payment approval procedure is generated and transmitted through a designated path (e.g., a reverse path of the path in which the payment request is received) ), The app of the wireless terminal 190 receives and outputs the result information of the original payment through the designated path (535), stores it in a designated storage area and manages it (535).

Meanwhile, the application of the wireless terminal 190 provides the settlement result information to the operation server 100 in operation 540, and the operation server 100 transmits the settlement result information The settlement result information is confirmed (545), and the result information of the original settlement is stored and managed (550).

FIG. 6 is a diagram illustrating a process for requesting a post-settlement responsibility transfer of the original settlement processed according to the method of the present invention.

In more detail, FIG. 6 shows a process of designating a responsible transfer destination through an application of the user wireless terminal 190 for requesting transfer of responsibility for the original payment, which has been normally processed using the payment means of the user, Those skilled in the art will be able to refer and / or modify FIG. 6 to illustrate various implementations of the postural responsibility transfer requesting process (e.g., some steps may be omitted, However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 6, an application of the user wireless terminal 190 may request an after-sales responsibility transfer from an arbitrary merchant through an app of the user wireless terminal 190, (605), and the operation server (100) transmits the request to the designated operating server (100) to transmit the request to the designated user terminal (610) a request for posterior responsibility transfer of the original payment request processed through the payment means of the user.

The operation server 100 authenticates the validity of the post-settlement charge according to the present invention with respect to the original settlement request requested by the user through the app of the user wireless terminal 190 (615). Preferably, the operation server 100 can authenticate whether or not the approval cancellation is possible at the time point designated for the original payment. If it is not possible to transfer the responsibility to the user, the operation server 100 transmits an accountability error to the application of the user wireless terminal 190 (620) The app of the user terminal 190 receives and outputs the responsibility transfer error (625).

On the other hand, if it is possible to transfer the post-payment responsibility of the original payment request, the operation server 100 may request the application ID of the user wireless terminal 190 to identify the object of responsibility (630). Meanwhile, the application of the user wireless terminal 190 displays an interface for inputting the object identification information for identifying the responsibility transfer object to be requested for the responsibility transfer at a point in time before, during, or after the request for the responsibility transfer 635), and inputs (or selects) at least object identification information to be requested to transfer responsibility through the interface (640). If the target identification information is inputted (or selected) through the interface, the app of the user wireless terminal 190 transmits at least the target identification information inputted to request the management server 100 to transmit the post-responsibility (Operation 645). The operation server 100 receives the input (or selected) object identification information through the application of the user wireless terminal 190 (operation 650).

On the other hand, the operation server 100 determines whether it is possible to process an accountability settlement through the responsible transferee wireless terminal 190 corresponding to the object identification information (for example, an application specified in the responsible transition target wireless terminal 190 is installed (655). If the validity of the responsible payment processing through the application of the responsible transferee wireless terminal 190 is not authenticated, the operation server 100 transmits a responsibility transfer error to the application of the user wireless terminal 190 (620) , The app of the user wireless terminal 190 may receive and output the responsibility transfer error (625).

If the validity of the responsible payment processing through the application of the responsible transferee wireless terminal 190 is verified, the operation server 100 confirms the amount of money to be transferred to the responsible transferee 660. Preferably, the operation server 100 can confirm the settlement amount of the original settlement as the amount of money to be transferred.

If the account settlement process can be performed through the application of the responsible transferee wireless terminal 190 and the amount of money to be transferred to the transferee is confirmed, the operation server 100 transmits the responsible transferee wireless terminal 190 (665) of the merchant information and the amount information for requesting the payment of the responsibility burden.

FIG. 7 is a diagram illustrating a process of processing post-responsibility transfer according to an embodiment of the present invention.

In more detail, FIG. 7 shows an example of a case where the responsible payment settlement processing is performed through the application of the responsibility transfer target wireless terminal 190 determined through the application of the user wireless terminal 190 with respect to the original payment transaction normally processed through the payment means of the user It will be understood by those skilled in the art that reference to and / or modification of FIG. 7 may be used in various ways of carrying out the above-described postural responsibility transfer process (e.g., , Or an embodiment in which the order is changed). However, the present invention includes all of the above-described embodiments, and the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 7, the operation server 100 provides information on the amount of money and the merchant information of the original payment, which have been confirmed through the process of FIG. 6, to the application of the responsibility transferring mobile terminal 190 through the process of FIG. (700), and starts counting the responsibility transfer waiting time for the responsibility settlement (705).

Meanwhile, the application of the responsibility transferring mobile terminal 190 receives the merchant information and amount information for the responsible payment from the operation server 100 (step 710). (715), the payment system (195) receives a payment request through the application of the mobile terminal (190) via a designated path (720), a settlement approval procedure for processing the settlement of the settlement request is performed (725), and the result information of the settlement approval procedure is generated and stored in the designated path (for example, (730), and the application of the wireless terminal (190) receives the responsibility charge settlement result information through the designated path and outputs it (735).

Meanwhile, the application of the wireless terminal 190 provides the result information of the responsibility settlement 740 to the operation server 100, and the operation server 100 interrupts the application of the responsible wireless terminal 190 (745), and the result information of the liability payment is read to check whether the payment of the liability is approved (750).

If the account settlement is not approved, the operation server 100 determines whether the account transfer waiting time for the account settlement has passed (755). If the account settlement is not approved and the account transfer waiting time has elapsed, the operation server 100 provides an account failure failure result 760 to the app of the user wireless terminal 190, , The app of the user wireless terminal 190 receives and outputs the responsibility transfer failure result (765).

Meanwhile, when the payment of the accountability is approved, the operation server 100 performs a procedure of canceling the approval of the original payment for the settlement of accountable payment (770). If the approval of the original payment request is canceled, the operation server 100 performs a process of substituting the unauthorized original payment using the settlement-approved chargeable settlement (775), and the user wireless terminal 190 (780), the application of the user wireless terminal (190) replaces the original payment through the liability settlement through the payment of the liability burden The responsibility transfer result is received and output (785).

100: Operational server 105: Merchant registry
110: Media registration unit 115: Information registration unit
120: Original payment processing unit 125: Original payment confirmation unit
130: Responsibility transfer certification unit 135: Object verification unit
140: Target authentication unit 145: Amount information confirmation unit
150: Responsibility transfer procedure section 155: Responsibility confirmation section
160: original payment canceling unit 165: payment replacing unit
180: Merchant terminal 185: Media
190: wireless terminal 195: payment system

Claims (17)

A method of executing via a server communicating with a wireless terminal installed with a designated app,
Payment information of the original payment request requested by the post-payment responsibility transfer is confirmed through the application installed in the user wireless terminal among the payment items normally processed through the payment means of the arbitrary user in the arbitrary merchant associated with the server ;
Wherein the settlement means authenticates the settlement means of the user used in the original settlement case as the settlement means of the settlement means issuer capable of canceling the approval from the server based on the original settlement information of the requested settlement request, And the settlement date information of the original settlement request is compared with the settlement date information of the original settlement request to confirm whether the account settlement completion date and time added with the account settlement waiting time designated at the requested account transfer time is within the approval cancellation date of the original payment request, A second step of confirming whether the post-charge charge transfer processing is possible for the settlement case;
(Or selected) through the app of the user wireless terminal when the post-charge transfer processing of the original payment request is possible, and confirms the payment amount information of the original payment case to the responsible transfer object A third step of confirming with the amount information to be transferred to the responsible person;
A fourth step of requesting an account of the responsible transferee wireless terminal corresponding to the object identification information to settle the responsibility for the confirmed amount information;
A fifth step of performing a procedure for canceling approval of the original payment of the approved liability payment if the payment of the liability is approved within the specified charge transfer waiting time; And
And a sixth step of replacing the rejected original payment case using the approved liability settlement when the original payment request is canceled.
The method according to claim 1,
Further comprising the step of registering and storing the self identification information that uniquely identifies the self from the app of the user wireless terminal having the designated app installed,
The method according to claim 1, wherein the first step includes confirming the original payment request that is requested to be carried out in response to an application of the wireless terminal matching the registered self-identification information. Way.
The information processing apparatus according to claim 2,
The telephone number of the user wireless terminal,
A unique code assigned to the user wireless terminal,
A token code separately allocated after the app is installed in the user wireless terminal,
A dynamic number generated in the user wireless terminal not redundantly,
And dynamic numbers generated by the designated server in a non-overlapping manner and provided to the user wireless terminal.
The method according to claim 1,
And a settlement request which is requested by the merchant terminal of the merchant to recognize the payment means of the user and to request the transfer of responsibility through the app of the user wireless terminal among the settlement items that have been processed for settlement, Way.
5. The method according to claim 4,
The payment information, the payment information, the merchant information, the payment approval information, the settlement date information, and the payment amount information for the original payment request from the app of the user wireless terminal And receiving the original payment information. The method of claim 1, further comprising:
The method according to claim 1,
The unique identification information acquired from the user wireless terminal and the merchant store identification information that uniquely identifies the merchant store in the merchant terminal provided in the arbitrary merchant store are transmitted to the server and the user wireless terminal corresponding to the unique identification information and the merchant store identification information And a payment transaction of the matching merchant through the user's payment means through an application of the matched wireless terminal after matching the corresponding merchant.
The method according to claim 1,
The user of the user wireless terminal transmits to the server the medium identification information recognized from the medium of the affiliated store provided at an arbitrary merchant store and the self identification information that identifies the self, and the merchant having the medium corresponding to the medium identification information, And a settlement result of matching the wireless terminal and processing the settlement of the matching merchant through the payment means of the user through the application of the matched wireless terminal.
The method according to claim 7,
A Bluetooth medium for transmitting a Bluetooth signal including the medium identification information,
An NFC medium having the medium identification information and providing NFC (Near Field Communication)
A sound wave medium for transmitting the sound wave signal obtained by encoding the medium identification information,
And an image medium having a code image obtained by encoding the medium identification information. The method of claim 1,
The method according to claim 7,
A separate medium provided to the merchant, or
Wherein the merchant terminal is included in the merchant terminal of the merchant.
8. The method according to claim 6 or 7,
And receiving original payment information including settlement identification information identifying an original payment request that has been requested from the app of the user wireless terminal.
delete delete The information processing apparatus according to claim 1,
Identification information of the responsibility transfer object inputted through the application of the user wireless terminal,
Identification information of the responsibility transfer object selected through the application from the contact list of the user wireless terminal,
(I) identification information of at least one of the identification information of the responsible parties to whom the responsibility of the responsible wireless device has been requested (or permitted) to the user of the user wireless terminal using the wireless communication. .
14. The method according to claim 1 or 13,
The telephone number of the wireless terminal corresponding to the responsibility transfer object,
Account information of the target corresponding to the responsibility transfer object,
The e-mail address of the person corresponding to the responsibility transfer object,
A unique code assigned to the target wireless terminal received from the wireless terminal corresponding to the responsible party using the wireless communication to the app of the user wireless terminal,
The at least one of the token codes allocated separately after the application is installed in the wireless terminal of the target person.
The method according to claim 1,
When the object identification information is confirmed,
Reading the identified object identification information and confirming whether an application designated to the responsible wireless terminal is installed; And
And guiding the installation of the app when the app is not installed in the responsible transferee wireless terminal.
delete The method as claimed in claim 1,
And a step of associating and storing the approved original settlement cancellation information and the approved accountable settlement information, and storing the linked original settlement cancellation information.

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