KR101882420B1 - System and method for payment using approval request messages - Google Patents

Abstract

The present invention relates to a direct payment system using approval request messages and a method thereof. The direct payment system using approval request messages enables easy execution of purchase and refund processes in a store through cash transfers by letting users approve payment identification codes on a terminal. The direct payment system using approval request messages includes: a store terminal which transmits purchase history and unique payment code request message to a service providing server and receives a unique payment code from the service providing server; a user terminal which transmits the unique payment code to the service providing server, receives the purchase history from the service providing server, and transmits a payment approval message to the service providing server; and the service providing server which receives the purchase history and the unique payment code request message from the store terminal to generate the unique payment code and transmit the unique payment code to the store terminal, receives the unique payment code from the user terminal, transmits the purchase history in accordance with a unique payment code to the user terminal, receives a payment approval message from the user terminal to execute a payment amount transfer operation, and transmits a transfer result message to the store terminal and the user terminal. The direct payment system can easily execute the payment without exchanging the credit information of consumers and the credit information of stores with the counterpart in a trading operation.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a system and method for direct payment using an approval request message,

The present invention relates to a debit payment system and method using an approval request message that allows a user to approve a code for identifying a payment at a terminal, thereby simplifying the purchase and refund process at the store through cash transfer.

In recent years, due to the development of electronic payment system, the settlement ratio of cards such as credit cards or check cards has been increasing day by day in order to simplify settlements and to save the inconvenience of cash reservations.

However, since such credit card payment is required to be transmitted to the store, problems such as leakage, abuse, and phishing of the credit information are becoming widespread.

In addition, since the transaction is canceled after the transaction is canceled in a batch, the transaction convenience is not ensured.

Also, there is a problem that the sales of the store side is reduced due to the problem of the commission of the credit card companies and the like.

Accordingly, in order to solve such a problem, recently, it is encouraging users to use cash by encouraging the issuance of cash receipts according to the use of cash and cash again.

For example, in the prior art Korean Patent No. 10-0354493, a program for issuing a card and a cash receipt computation program is installed in a cash and card inquiry machine to automatically issue a receipt for a card transaction as well as a cash transaction at a merchant so that a simple tax invoice can be substituted A description has been given of an apparatus for issuing cash and card receipts and a method for issuing the same.

However, there is a concern that a minimum amount of personal information may be leaked due to issuance of a cash receipt when a user uses cash, and there is a fundamental problem of convenience that the user must always keep cash.

(001) Korea Patent No. 10-0354493

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a direct payment system and method using an approval request message in which credit information of a consumer and credit information of a store can be easily performed without exchanging between transaction parties .

The present invention can not only confirm the purchase details before payment by the consumer but also can cancel the entire settlement history even if the settlement part is canceled and can easily perform the cancellation process through reverse payment for the item And to provide a debit payment system and method using an approval request message.

In addition, the present invention stores the total consumption amount of the user and the payment means, calculates the payment means and the income deduction amount suitable for the income deduction at the year-end settlement, and provides the user with an approval request message And to provide a direct payment system and method using the same.

According to an aspect of the present invention, there is provided a system for providing a user's cash settlement through a store terminal, a user terminal, and a service providing server, A store terminal receiving the payment specific code from the service providing server after transmitting to the service providing server; A user terminal for transmitting the payment specific code to the service providing server, receiving the purchase details from the service providing server, and transmitting a payment approval message to the service providing server; Receiving a payment specific code from the store terminal to generate a payment specific code and transmitting the payment specific code to the store terminal, receiving a payment specific code from the user terminal, And a service providing server for receiving a payment approval message from the user terminal, performing payment transfer, and transmitting a remittance result message to the store terminal and the user terminal.

At this time, the service providing server receives the purchase history and payment specific code request message from the store terminal, transmits the payment specific code to the store terminal, receives the payment specific code from the user terminal, A communication module that transmits a purchase history according to a settlement unique code, receives a payment approval message from the user terminal, and transmits a remittance result message to the store terminal and the user terminal; A control module for generating a payment specific code according to the payment specific code request message; A transfer module for performing a payment transfer between the user account and the store account; And a database including a user information DB for storing user information and a store information DB for storing store information.

The payment specific code may be a code uniquely assigned to each settlement particulars.

In addition, the user information may include payment information and cash receipt information.

Meanwhile, the present invention may further comprise a tax information management server for issuing cash receipts and managing sales information of stores.

The service providing server can perform the refund process by reverse payment of the refund amount.

A tax information management server for issuing cash receipts and managing sales information of stores; The tax information management server may change the cash receipt issuance history and the sales information of the store when the cash receipt issuance history change request is received from the service providing server.

At this time, in the reverse payment, the service providing server receives the cancellation history and reverse payment unique code request message from the store terminal to generate the reverse payment unique code, and then transmits the reverse payment unique code generated in the store terminal ; Transmitting the reverse payment unique code received by the store terminal to the service providing server; Transmitting, by the service providing server, the cancellation history according to the reverse payment unique code and the reverse payment unique code to the user terminal after receiving the reverse payment unique code; After the user terminal receives the cancellation history, transmitting a cancellation approval message to the service providing server; Receiving the cancellation approval message from the service providing server and performing a refund transfer from the store account to the user account; And transmitting the remittance result message to the store terminal and the user terminal by the service providing server.

Here, the reverse payment unique code may be a code uniquely assigned according to the reverse payment details.

Also, in the reverse payment, the service providing server receives the cancellation history and reverse payment unique code request message from the user terminal, generates the reverse payment unique code, and then transmits the reverse payment unique code generated in the user terminal ; Transmitting the reverse payment unique code received by the user terminal to the service providing server; Transmitting, by the service providing server, the cancellation history according to the reverse payment unique code and the reverse payment unique code to the store terminal after receiving the reverse payment unique code; After the store terminal receives the cancellation history, transmitting a cancellation approval message to the service providing server; Receiving the cancellation approval message from the service providing server and transferring the refund money from the store account to the user account; And transmitting the remittance result message to the store terminal and the user terminal by the service providing server.

At this time, the reverse payment unique code may be a code uniquely assigned according to each back payment history.

Meanwhile, the service providing server may analyze the consumption information of the user and provide the income deduction information to the user terminal.

의 수식에 의해 판단되며: 여기서, a는 공제대상비율 계수이고; x는 사용자의 총 소득금액이며; y는 사용자의 총 소비금액일 수 있다.Further, the service providing server may determine whether the user is subject to income deduction; The above-

Wherein a is a subtraction rate coefficient; x is the user's total income amount; y may be the total consumption amount of the user.

If the user is not subject to the income deduction, the service providing server may notify the user terminal of the remaining amount of money to the subject of the income deduction and the subject of the income deduction.

의 수식에 의해 판단되며; 여기서, b는 제1결제수단 공제율 계수이고;

은 제1결제수단 사용금액이며; c는 제2결제수단 공제율 계수이고;

는 제2결제수단 사용금액이며; d는 소득공제 한도액 상수일 수 있다.If the user is an income deduction target, the service providing server may determine whether the total amount of consumption of the user exceeds the income deduction limit amount; Whether the above-mentioned income deduction limit is exceeded,

≪ / RTI > Where b is the first payment means deduction factor;

Is the amount of use of the first payment means; c is a second payment means deduction factor;

Is the second payment means use amount; d may be an income deduction ceiling constant.

When the total consumption amount of the user is less than the income deduction limit, the service providing server may notify the user terminal of the remaining amount up to the income deduction limit and the recommended payment means.

If the total amount of consumption of the user exceeds the income deduction limit, the service providing server determines whether the amount of the total consumption amount excluding the additional deductible use amount exceeds the income deduction limit; If the amount of the user's total consumption amount excluding the additional deductible use amount is less than the income deduction limit, the user terminal can notify the remaining amount up to the income deduction limit and the recommended payment means.

Meanwhile, the service providing server may notify the user terminal of exceeding the income deduction limit if the amount of the user's total consumption amount excluding the additional deductible use amount exceeds the income deduction limit.

If the total amount of consumption of the user exceeds the income deduction limit, the service providing server determines whether or not the amount of the total consumption amount excluding the additional deductible use amount exceeds the income deduction limit; If the amount of the additional deduction to be used is less than the deductible limit, while the amount of the total consumption amount excluding the additional deductible use amount exceeds the income deduction limit, Can be notified.

Further, the service providing server may notify the user terminal of exceeding the income deduction limit when the additional deductible use amount exceeds the additional deduction limit amount.

The following effects can be expected in the direct payment system and method using the approval request message according to the present invention as described above.

That is, the present invention has an effect that the credit information of the consumer and the credit information of the store can be easily performed without exchanging between the transaction parties.

The present invention can not only confirm the purchase details before payment by the consumer but also can cancel the entire settlement history even if the settlement part is canceled and can easily perform the cancellation process through reverse payment for the item It is effective.

In addition, the present invention has an effect that the total consumption amount of the user and the payment means are stored, and the payment means and the income deduction amount suitable for the income deduction at the year-end settlement are calculated and provided to the user, .

1 is a block diagram illustrating a configuration of a direct debit payment system using an approval request message according to the present invention;
BACKGROUND OF THE INVENTION 1. Field of the Invention [0001]
3 is a flowchart illustrating a direct debit payment method using an approval request message according to the present invention.
4 is an exemplary view showing an example of purchase details and payment specific codes output to a user terminal according to the present invention;
FIG. 5 is a flowchart illustrating a refund process according to a specific embodiment of the present invention. FIG.
FIG. 6 is a flowchart illustrating a refund process according to another embodiment of the present invention; FIG.
7 is a flowchart showing a method of deducting a year-end settlement recommendation according to the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a direct payment system and method using an approval request message according to a specific embodiment of the present invention will be described with reference to the accompanying drawings.

1 is a block diagram illustrating a configuration of a direct debit payment system using an approval request message according to the present invention.

1, a direct debit system using an approval request message according to the present invention includes a store terminal 100, a user terminal 200, a service providing server 300, and a tax information management server 400 .

First, the store terminal 100 is a terminal disposed in a store. The store terminal 100 receives information related to stores and transmits the information to the service providing server 300.

When the store terminal 100 transmits the purchase history and payment unique code request message to the service providing server 300, the store terminal 100 receives the purchase history and payment unique code request message from the service providing server 300 And transmits the payment specific code to the user terminal 200.

Herein, the payment specific code refers to a unique code that allows each settlement item to be distinguished and identified.

Also, when performing the refund process, the store terminal 100 transmits the cancellation history and reverse payment unique code request message to the service providing server 300, and then receives the reverse payment unique code from the service providing server 300 And transmits the reverse payment unique code to the service providing server 300 again.

Here, the settlement unique code and the reverse payment unique code may be a code uniquely assigned according to each payment history, and the payment specific code and reverse payment unique code do not include any credit information, personal information, or the like at all.

In addition, the store terminal 100 may receive the cancellation history from the service providing server 300 and send a cancellation approval message to the service providing server 300 to perform the refund process.

The store terminal 100 receives the remittance result message from the service providing server 300 when performing the settlement process and the refund process.

The user terminal 200 transmits the settlement inherent code received from the store terminal 100 to the service providing server 300 and receives the purchase history from the service providing server 300 And transmits a payment approval message to the service providing server 300 after receiving the payment approval message.

Upon receiving the reverse payment unique code and the cancellation history received from the service providing server 300 and transmitting the cancellation approval message to the service providing server 300 when performing the refund process.

Here, the user terminal 200 receives the cancellation history and reverse payment unique code request message to the service providing server 300 to receive the reverse payment unique code, and transmits the reverse payment unique code to the service providing server 300 ), Thereby allowing the store terminal 100 to perform the refund process.

In addition, the user terminal 200 receives the remittance result message from the service providing server 300 when performing the settlement process and the refund process.

Meanwhile, the service providing server 300 communicates with the store terminal 100 or the user terminal 200 to perform a payment process and a refund process, and transmits a cash receipt issuance request message to the tax information management server 400 And transmits the sales cancellation history.

Specifically, the service providing server 300 generates a settlement unique code when receiving the purchase history and payment unique code request message from the store terminal 100 and transmits the unique payment code to the store terminal 100 during the settlement process, Upon receipt of the payment solicitation code from the user terminal 200, the settlement history corresponding to the settlement inherent code is transmitted to the user terminal 200. Upon receipt of the settlement approval message from the user terminal 200, Transmits a remittance result message to the store terminal 100 and the user terminal 200 and then transmits a cash receipt issuance request message to the tax information management server 400 to provide sales information of the store.

At this time, the service providing server 300 performs the settlement payment transfer using the payment information stored in the user information of the user terminal 200 from which the payment approval message is received.

The service providing server 300 includes a communication module 310, a control module 320, a transfer module 330, and a database 340.

First, the communication module 310 receives information related to a store or personal information from the user terminal 200 from the store terminal 100.

In addition, the communication module 310 receives the payment details and payment specific code request message from the store terminal 100 and transmits the payment specific code generated from the control module 320 to the store terminal 100 , Receives a settlement unique code from the user terminal 200, transmits a settlement record to the user terminal 200, receives a payment approval message from the user terminal 200, and transmits a remittance result message to the store terminal 100 and the user terminal 200 and transmits the cash receipt issuance request message to the tax information management server 400. [

The communication module 310 receives the cancellation history and reverse payment unique code request message from the store terminal 100 and transmits the reverse payment unique code generated from the control module 320 to the user terminal 200 Receives a reverse payment unique code from the user terminal 200, transmits a cancellation record to the user terminal 200, receives a cancellation approval message from the user terminal 200, To the terminal 100 and the user terminal 200, and transmits the sales cancellation history to the tax information management server 400.

Also, the communication module 310 receives the cancellation history and reverse payment unique code request message from the user terminal 200, and transmits the reverse payment unique code generated from the control module 320 to the store terminal 100 Receives the reverse payment unique code from the store terminal 100, transmits the cancel details to the store terminal 100, receives the cancel permission message from the store terminal 100, To the store terminal (100) and the user terminal (200), and transmits the sales cancellation history to the tax information management server (400).

The communication module 310 transmits information related to an income deduction to the user terminal 200.

Meanwhile, the control module 320 generates a payment unique code or a reverse payment unique code when receiving a settlement unique code request message or a reverse payment unique code request message from the store terminal 100 or the user terminal 200, To the store terminal (100) or the user terminal (200) when receiving the settlement unique code or reverse payment unique code from the store terminal (100) or the user terminal (200) When the payment approval message or the cancellation approval message is received from the user terminal (100) or the user terminal (200), the transfer module (330)

Also, the control module 320 reads the user information stored in the user information DB 342 of the database 340 to obtain information related to an income deduction such as the settlement means suitable for the income deduction and the remaining amount up to the maximum income deduction amount .

The transfer module 330 transfers the payment to the account stored in the payment information of the store in the account stored in the payment information of the user or transfers the refund money to the account stored in the payment information of the user in the account stored in the payment information of the store .

In addition, the database 340 stores user information and store information. For this purpose, the database 340 includes a user information DB 342 and a store information DB 344.

As shown in FIG. 2, the user information DB 342 may store user information including user information, payment information, cash receipt information, or consumption information separately for each user.

For example, the user information may be a name of a user, the payment information may be account information, card information, the cash receipt information may be a cash receipt issue, a cash receipt card information or a mobile phone number, Consumption information can be gross income, credit card usage, cash usage, debit card usage, or total consumption.

In the store information DB 344, store information including a store name, account information, business number, etc. may be stored for each store.

Meanwhile, the tax information management server 400 manages tax information such as issuing cash receipts and registering sales information for each store.

Hereinafter, a direct payment method using an approval request message according to the present invention will be described in detail with reference to FIG.

3 is a flowchart illustrating a direct payment method using an approval request message according to the present invention.

First, a direct payment method using an approval request message according to the present invention will be described after a user visits a store, determines a purchase item, and then requests payment of a purchase item in a store.

3, the direct debit payment method using the approval request message according to the present invention starts with the store terminal 100 transmitting the purchase history and payment unique code request message to the service providing server 300 (S110 ).

Thereafter, the service providing server 300 receives the purchase history and payment specific code request message from the store terminal 100 (S120), and generates and transmits the payment specific code to the store terminal 100 (S130) .

Here, the payment specific code is a code uniquely assigned according to each payment history, and does not include credit information, personal information, or the like at all.

In step S150, the store terminal 100 receives the payment specific code from the service providing server 300 in step S140 and transmits the payment specific code to the user terminal 200 in step S150.

Herein, although the payment specific code is transmitted through communication between the store terminal 100 and the user terminal 200, when the store terminal 100 receives the settlement unique code from the service providing server 300, After receiving the payment specific code, the payment specific code may be verbally transmitted to the user having the user terminal 200, or the payment specific code may be outputted as paper and transmitted to the user having the user terminal 200. [

Accordingly, it is preferable that the payment specific code is formed short and concise.

Thereafter, the user terminal 200 transmits the payment specific code received from the store terminal 100 (S160) to the service providing server 300 (S170).

Then, the service providing server 300 reads the purchase history according to the payment specific code received (S180) and transmits the purchase record to the user terminal 200 (S190).

At this time, the purchase history may be configured to include items and amounts purchased by the user.

Here, the purchase history may be output to the user terminal 200 as shown in FIG. 4, including a payment unique code, a store name, a purchase item, a payment amount, and a payment approval button.

In step S210, the user terminal 200 receiving the purchase history transmits a payment approval message to the service providing server 300 (S210).

Here, the user can confirm the purchase history outputted to the user terminal 200 and approve the payment for the purchase history if the purchase history matches the item purchased by the user.

Accordingly, the user can confirm the purchase details before the settlement, and it is possible to reduce the inconvenience of having to cancel the entire settlement and re-settle when the items after the settlement do not match.

On the other hand, when the payment approval message is received from the user terminal 200 (S220), the service providing server 300 performs payment transfer (S230).

Specifically, the service providing server 300 reads the account information stored in the user information of the user terminal 200 and the account information stored in the store information of the store terminal 100, and transmits the payment information from the user account to the store account .

Thereafter, the service providing server 300 transmits a remittance result message to the store terminal 100 and the user terminal 200 (S240).

Here, the remittance result message may be a withdrawal message and a deposit message.

Then, the store terminal 100 and the user terminal 200 receive and output the remittance result message (S250).

Thereafter, the service providing server 300 transmits a cash receipt issuance request message to the tax information management server 400 (S260).

At this time, the service providing server 300 may determine whether to issue a cash receipt to the user information of the user terminal 200, and transmit the cash receipt information including the user's cash receipt information.

If the cash receipt issuance request message is received (S270), the tax information management server 400 issues a cash receipt using the user information (S280) and registers the sales information of the store (S290).

Accordingly, even if the user does not provide the card information or the account information to the store, payment can be made, thereby reducing the likelihood of leakage of the personal information and the possibility of abuse thereof.

Hereinafter, the refund process of the direct debit method using the approval request message according to the present invention will be described in detail.

Specifically, the refund process of the direct payment method using the approval request message according to the present invention is performed by reverse payment of the refund amount.

Here, the reverse payment means that the reverse payment is made through the same process as the payment made at the time of purchase.

The refund process of the direct payment method using the approval request message according to the present invention is different from that of the concrete embodiment. The refund process of the direct payment method using the approval request message according to the present invention, 100) requests the service providing server 300 to cancel the payment. In another embodiment of the refund process of the direct payment method using the approval request message according to the present invention, the user terminal 200 requests the service providing server 300).

The refund process of the direct payment method using the approval request message according to the present invention is a process of refunding the canceled goods or the entire goods from the service providing server 300 when approval is received from the store terminals 100 and the user terminal 200 By performing the transfer, it is possible to cancel the entire settlement for refunding one item and to perform the re-settlement for the other goods, so that the refund process can be easily performed.

A detailed description of a refund process of a direct debit payment method using an approval request message according to the present invention will be described with reference to FIG.

5 is a flowchart illustrating a refund process according to a specific embodiment of the present invention.

5, the refund process according to a specific embodiment of the present invention starts with the store terminal 100 transmitting the cancellation history and reverse payment unique code request message to the service providing server 300 (S310) .

At this time, the reverse payment unique code request message may be a payment cancellation request message for a part or whole article.

Then, the service providing server 300 receives the cancellation history and reverse payment unique code request message (S320), and generates a reverse payment unique code and transmits it to the store terminal 100 (S330).

Here, the reverse payment unique code is a code uniquely assigned according to each back payment history, and does not include any credit information, personal information, or the like at all.

After receiving the reverse payment unique code (S340), the store terminal 100 transmits the reverse payment unique code to the service providing server 300 (S350).

Then, the service providing server 300 receives the reverse payment unique code (S360), reads the cancel details corresponding to the reverse payment unique code and the reverse payment unique code, and transmits the cancel details to the user terminal 200 (S360 ).

Here, the cancellation history may include a store name, a cancellation item, and a cancellation amount.

In step S390, the user terminal 200 receives the reverse payment unique code and the cancellation history in step S380, and transmits a cancellation approval message to the service providing server 300 in step S390.

At this time, if the user confirms the cancellation history outputted to the user terminal 200 and matches the item desired to be canceled by the user, the user can transmit an approval for the cancellation history to the service providing server 300. [

Thereafter, the service providing server 300 receives the cancellation approval message (S400) and performs the refund money transfer (S410).

Specifically, the service providing server 300 reads the account information stored in the store information of the store terminal 100 and the account information stored in the user information of the user terminal 200, and returns the account information from the store account to the user account .

Thereafter, the service providing server 300 transmits a remittance result message to the store terminal 100 and the user terminal 200 (S420).

Here, the remittance result message may be a withdrawal message and a deposit message.

Then, the store terminal 100 and the user terminal 200 receive and output the remittance result message (S430).

Thereafter, the service providing server 300 transmits the sales cancellation history to the tax information management server 400 (S440).

At this time, the service providing server 300 may determine whether to issue a cash receipt to the user information of the user terminal 200, and transmit the cash receipt information including the user's cash receipt information.

If the cash receipt information of the user is included (S450), the tax information management server 400 changes or cancels the cash receipt issued as the user information (S460) and stores the sales information of the store (S470).

If the cash receipt information of the user is not included, the tax information management server 400 skips the step 460 and changes the sales information of the store to register it (S470).

Hereinafter, another embodiment of the refund process of the direct debit method using the approval request message according to the present invention will be described in detail with reference to FIG.

6 is a flowchart illustrating a refund process according to another embodiment of the present invention.

6, the refund process according to another embodiment of the present invention starts with the user terminal 200 transmitting the cancellation history and reverse payment unique code request message to the service providing server 300 (S510) .

At this time, the reverse payment unique code request message may be a payment cancellation request message for a part or whole article.

In step S530, the service providing server 300 receives the cancellation history and reverse payment unique code request message in step S520, and generates a reverse payment unique code to the user terminal 200 in step S530.

After receiving the reverse payment specific code (S540), the user terminal 200 transmits the reverse payment unique code to the service providing server 300 (S550).

After receiving the reverse payment unique code from the user terminal 200 (S560), the service providing server 300 reads the cancellation history corresponding to the reverse payment unique code and the reverse payment unique code, (S570).

Here, the cancellation history may include a store name, a cancellation item, and a cancellation amount.

In step S590, the store terminal 100 receives the reverse payment unique code and the cancellation history, and transmits a cancellation approval message to the service providing server 300 in step S590.

At this time, the seller confirms the cancellation history output to the store terminal 100, and if the user matches the item requested to be canceled, the seller can transmit an approval for the cancellation history to the service providing server 300. [

Thereafter, the service providing server 300 receives the cancellation approval message (S600), and performs the refund money transfer (S610).

Specifically, the service providing server 300 reads the account information stored in the store information of the store terminal 100 and the account information stored in the user information of the user terminal 200, and returns the account information from the store account to the user account .

Thereafter, the service providing server 300 transmits a remittance result message to the store terminal 100 and the user terminal 200 (S620).

Here, the remittance result message may be a withdrawal message and a deposit message.

Then, the store terminal 100 and the user terminal 200 receive and output the remittance result message (S630).

Thereafter, the service providing server 300 transmits the sales cancellation history to the tax information management server 400 (S640).

At this time, the service providing server 300 may determine whether to issue a cash receipt to the user information of the user terminal 200, and transmit the cash receipt information including the user's cash receipt information.

If the cash receipt information of the user is included, the tax information management server 400 receives the sales cancellation history (S650) and changes or cancels the cash receipt issued as the user information (S660) (S670).

Here, if the user's cash receipt information is not included, the tax information management server 400 skips the step 660 and changes the sales information of the store to register it (S670).

Meanwhile, the direct debit system and method using the approval request message according to the present invention stores the total consumption amount of the user and the payment means, calculates the payment means and the deduction amount for the income deduction at the year-end settlement, Can guide tax refunds after year-end settlement.

Hereinafter, the year-end settlement recommendation deduction method according to the present invention will be described in detail with reference to FIG.

7 is a flowchart illustrating a method of deducting a year-end settlement recommendation according to the present invention.

As shown in FIG. 7, the method of deducting the year-end settlement recommendation according to the present invention starts with the service providing server 300 reading the total income amount x of the user (S1100).

Here, the total income amount x of the user may be input from a user who desires to receive the year-end settlement recommendation recommendation method and stored in the user information DB 342.

Then, the service providing server 300 reads the total consumption amount y of the user (S1200).

Specifically, in the present invention, the total consumption amount (y) is calculated as a sum of the first payment means use amount (y1) and the second payment means use amount (y2).

The first payment means use amount (y1) is divided into a general deduction use first payment means use amount (y11) and an additional deduction target first payment means use amount (y12), and the second payment means use amount (y2 ) Is divided into the amount (y21) of the second payment means used for general deduction and the amount (z2) of the second payment means used for the additional deduction.

Here, the first payment means may be a credit card, and the second payment means may be a cash, a debit card, a check card, or the like.

Also, the general deduction target is the remaining amount of money except for the amount of the traditional market use and the amount of the public transportation use, and the additional deduction target may be the amount of the traditional market use and the amount of the public transportation use.

In step S1300, the service providing server 300 determines whether the total amount of consumption (y) exceeds the total amount of money x multiplied by the deductible ratio a.

This is because income deductions are made only for the amounts exceeding the deductible ratio (a) multiplied by the total income amount (x).

For example, if the gross income amount (x) is 10,000,000 won and the deduction ratio (a) is 25%, deduction of income can be made for an amount exceeding 2,500,000 won.

At this time, the deduction ratio (a) is a value set differently according to the contents of the income deduction, and may be set to 0.25 by the current income deduction system.

If it is determined in step 1300 that the total consumption amount y does not exceed the amount of the total income amount x multiplied by the deductible ratio a, , And notifies the remaining consumption amount up to the amount of income deduction target (S1400).

For example, the above-mentioned income deduction notification is notified and the residual consumption amount up to the income deduction target amount is outputted to the user terminal 200 as "the current income deduction target is not included. .

If it is determined in step 1300 that the total amount of consumption (y) exceeds the total amount of money (x) multiplied by the exclusion ratio (a), the first settlement unit It is determined whether the sum of the means use amount y1 and the second settlement means use amount y2 multiplied by the second settlement means contribution rate coefficient c exceeds the income deduction limit value d in operation S1500.

For example, the first payment means deduction factor b may be 0.15, the second payment means deduction factor c may be 0.3, and the income deduction limit d may be 3,000,000 won.

In this case, the first payment means deduction rate coefficient (b), the second payment means deduction rate coefficient (c) and the income deduction limit (d) are values set differently according to the contents of the income deduction, The first settlement means contribution rate coefficient b may be set to 0.15, the second settlement means contribution rate coefficient c may be set to 0.3, and the income deduction limit d may be set to 3,000,000.

As a result of the determination in step 1500, the second payment means usage amount y2 obtained by multiplying the first payment means use amount y1 multiplied by the first payment means contribution rate coefficient b and the second payment means contribution rate coefficient c, (D), the user terminal 200 notifies the remaining amount of consumption up to the maximum income deduction amount and the recommended payment means (S1600).

For example, the residual consumption amount up to the maximum income deduction amount and the recommended payment means may be output to the user terminal 200 as "1,500,000 won remaining until the maximum income deduction amount.

If it is determined in step 1500 that the first payment means use amount y1 multiplied by the first payment means deduction rate coefficient b and the second payment means use amount y2 (Y12) of the additional deduction target and the amount of the second payment means use amount (y22) to be subtracted from the total amount of consumption (y) is subtracted from the total amount of consumption (y) It is determined whether the amount exceeds the income deduction limit (d) (S1700).

This is because, in the event of an excess of the income deduction limit, the additional deduction amount is deducted.

Accordingly, if it is determined in step 1700 that the subtraction of the first payment means use amount (y12) for additional deduction from the total consumption amount (y) and the second payment means use amount (y22) (d), the remaining consumption amount up to the maximum income deduction amount and the recommended payment means are notified (S1800).

In step S1900, it is determined whether the sum of the additional deductible first payment amount used amount y12 and the additional deductible second payment amount used amount y22 exceeds the additional deductible limit amount e.

For example, the additional deductible ceiling (e) may be 1,000,000 won.

In this case, the additional deductible ceiling (e) is a value set differently according to the contents of the income deduction, and in the case of the present income deduction system, the additional deductible ceiling (e) may be set at 1,000,000.

Further, the additional deduction object may be classified into an additional deduction 1 used amount and an additional deduction 2 used amount, and the service providing server 300 adds the additional deduction 1 used amount and the additional deduction 2 used amount separately It is judged whether or not it exceeds the deductible ceiling amount (e).

For example, if the object of the additional deduction 1 is a traditional market use amount and the object of the additional deduction 2 is a public transportation use amount, the amount of the traditional market use payment made by the first payment means and the second payment means is It is determined whether or not the amount of public transportation used by the first payment means and the second payment means exceeds 1,000,000 won, which is the additional deductible limit (e).

If it is determined in step 1900 that the sum of the additional deductible first payment amount used amount (y12) and the additional deductible second payment amount used amount (y22) does not exceed the additional deductible limit amount (e) , The additional-deductible consumer type, and the recommended payment means to the user terminal 200 (S2000).

For example, in the user terminal 200, "it is 500,000 KRW to the traditional market maximum income deduction amount, 200,000 KRW to the public transportation maximum income deduction amount, and it is recommended to make cash payment in the traditional market and use public transportation in cash in the future . "

On the other hand, if it is determined in step 1700 that the subtraction of the first payment means use amount (y12) for additional deduction from the total consumption amount (y) and the second payment means use amount (y22) (d) and a result of the determination in step 1900, the sum of the first additional payment amount used amount (y12) and the second additional payment amount used amount (y22) exceeds the additional deduction amount (e), the service providing server 300 notifies the user terminal 200 of an excess of the income deduction limit.

Accordingly, it is possible to provide the user with the recommended payment means and the deduction amount of the income for the total consumption amount, thereby allowing the user to consume the planned consumption.

It will be understood by those skilled in the art that various changes and modifications may be made without departing from the scope of the invention as defined in the appended claims. It is self-evident.

The present invention relates to a debit payment system and method using an approval request message that allows a user to approve a code for identifying a payment at a terminal, thereby simplifying the purchase and refund process at the store through cash transfer, The credit information of the store and the credit information of the store can be easily performed without exchange between the transaction parties.

100: store terminal 200: user terminal
300: service providing server 310: communication module
320: control module 330: transfer module
340: Database 342: User Information DB
344: store information DB 400: tax information management server

Claims (11)

A system for providing a user's cash settlement through a store terminal, a user terminal, and a service providing server,
A store terminal for receiving a payment specific code from the service providing server after transmitting a purchase history and payment specific code request message to the service providing server;
A user terminal for transmitting the payment specific code to the service providing server, receiving the purchase details from the service providing server, and transmitting a payment approval message to the service providing server; And
Receiving a settlement inherent code from the store terminal, generating a settlement inherent code and transmitting the settlement inherent code to the store terminal, receiving a settlement inherent code from the user terminal, And a service providing server for receiving a payment approval message from the user terminal and performing payment transfer, and transmitting a remittance result message to the store terminal and the user terminal,
The service providing server includes:
Receiving a settlement inherent code from the store terminal, transmitting a settlement inherent code to the store terminal, receiving a settlement inherent code from the user terminal, receiving a purchase history according to the settlement inherent code to the user terminal, A communication module for receiving a payment approval message from the user terminal and transmitting a remittance result message to the store terminal and the user terminal;
A control module for generating a payment specific code according to the payment specific code request message;
A transfer module for performing a payment transfer between the user account and the store account; And
And a database configured with a user information DB for storing user information and a store information DB for storing store information,
The payment-
It is a code uniquely assigned to each payment history:
The user information includes:
Billing information and cash receipt information:
The service providing server includes:
Perform the refund process by reverse payment for the refund:
The back-
Receiving, by the service providing server, a cancellation history and a reverse payment unique code request message from the store terminal, generating a reverse payment unique code, and transmitting the reverse payment unique code generated in the store terminal;
Transmitting the reverse payment unique code received by the store terminal to the service providing server;
Transmitting, by the service providing server, the cancellation history according to the reverse payment unique code and the reverse payment unique code to the user terminal after receiving the reverse payment unique code;
After the user terminal receives the cancellation history, transmitting a cancellation approval message to the service providing server;
Receiving the cancellation approval message from the service providing server and performing a refund transfer from the store account to the user account; And
Wherein the service providing server transmits a remittance result message to the store terminal and the user terminal,
The service providing server includes:
The user terminal determines whether or not the user is subject to income deduction by comparing the ratio of deduction with respect to the total income amount of the user with the total consumption amount of the user so as to determine whether the user terminal is subject to income deduction, And a credit card issuing unit for issuing a credit card to the issuer.
A system for providing a user's cash settlement through a store terminal, a user terminal, and a service providing server,
A store terminal for receiving a payment specific code from the service providing server after transmitting a purchase history and payment specific code request message to the service providing server;
A user terminal for transmitting the payment specific code to the service providing server, receiving the purchase details from the service providing server, and transmitting a payment approval message to the service providing server; And
Receiving a settlement inherent code from the store terminal, generating a settlement inherent code and transmitting the settlement inherent code to the store terminal, receiving a settlement inherent code from the user terminal, And a service providing server for receiving a payment approval message from the user terminal and performing payment transfer, and transmitting a remittance result message to the store terminal and the user terminal,
The service providing server includes:
Receiving a settlement inherent code from the store terminal, transmitting a settlement inherent code to the store terminal, receiving a settlement inherent code from the user terminal, receiving a purchase history according to the settlement inherent code to the user terminal, A communication module for receiving a payment approval message from the user terminal and transmitting a remittance result message to the store terminal and the user terminal;
A control module for generating a payment specific code according to the payment specific code request message;
A transfer module for performing a payment transfer between the user account and the store account; And
And a database configured with a user information DB for storing user information and a store information DB for storing store information,
The payment-
It is a code uniquely assigned to each payment history:
The user information includes:
Billing information and cash receipt information:
The service providing server includes:
Perform the refund process by reverse payment for the refund:
The back-
Receiving, by the service providing server, a cancellation history and a reverse payment unique code request message from the user terminal, generating a reverse payment unique code, and transmitting the reverse payment unique code generated in the user terminal;
Transmitting the reverse payment unique code received by the user terminal to the service providing server;
Transmitting, by the service providing server, the cancellation history according to the reverse payment unique code and the reverse payment unique code to the store terminal after receiving the reverse payment unique code;
After the store terminal receives the cancellation history, transmitting a cancellation approval message to the service providing server;
Receiving the cancellation approval message from the service providing server and transferring the refund money from the store account to the user account; And
Wherein the service providing server transmits a remittance result message to the store terminal and the user terminal,
The service providing server includes:
The user terminal determines whether or not the user is subject to income deduction by comparing the ratio of deduction for the total income amount of the user with the total consumption amount of the user so as to determine whether or not the user terminal is subject to income deduction, And a credit card issuing unit for issuing a credit card to the issuer.
delete delete delete delete 3. The method according to claim 1 or 2,
A tax information management server for issuing cash receipts and managing sales information of the stores;
The tax information management server comprises:
When receiving a cash receipt issue history change request from the service providing server,
The cash receipt issuance history and the sales information of the store are changed.
delete 8. The method of claim 7,
The reverse payment inherent code includes:
Wherein the decrypted code is a code uniquely assigned according to each reverse payment history.
delete delete

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