KR102082949B1 - Method, apparatus and computer program for selective payment processing, method, apparatus and computer program for selective payment requesting - Google Patents

Abstract

According to an embodiment of the present invention, receiving the payment means of the user for the product from the user's terminal; Extracting at least one candidate payment service capable of using the payment means, and determining a selected payment service to process payment of the product among the at least one candidate payment service according to a predetermined criterion; And requesting payment of the product to a payment server of the selected payment service.

Description

METHOD, APPARATUS AND COMPUTER PROGRAM FOR SELECTIVE PAYMENT PROCESSING, METHOD, APPARATUS AND COMPUTER PROGRAM FOR SELECTIVE PAYMENT REQUESTING}

The present invention relates to a selective payment processing method, apparatus and computer program. The invention also relates to a method, device and computer program for selective payment request.

Recently, as the spread of communication networks such as the Internet and the accessibility to the Internet increase, various product transactions on the Internet are increasing, and accordingly, various payment services are emerging.

Patent Publication No. 10-2011-0033994 Patent Publication No. 10-2013-0138001 Patent Publication No. 10-2011-0033337

The present invention seeks to conveniently process payment by selecting an appropriate payment service according to payment information input by a user.

In addition, the present invention is to process payment by recommending various payment services according to the payment information input by the user.

According to an embodiment of the present invention, a method of processing a payment of a product using one payment service among one or more payment services that can use a payment method input by a user is performed by the user's terminal for the product. Receiving a payment method; Extracting at least one candidate payment service capable of using the payment means, and determining a selected payment service to process payment of the product among the at least one candidate payment service according to a predetermined criterion; And requesting payment of the product to a payment server of the selected payment service.

The payment means is a first card and determining the selected payment service includes: checking whether the first card is the user's name; And when the first card is the name of the user, extracting at least one first payment service as the candidate payment service, wherein the at least one first payment service includes at least one authentication process of the payment process. This may be a simplified payment service.

In the selective payment processing method, after the step of determining whether the first card is the name of the user, if the first card is not the name of the user, at least one second payment service is used as the candidate payment service. Further comprising; extracting, the at least one second payment service may further include at least one authentication process than the at least one first payment service.

The determining of the selected payment service may include determining whether the first card is a corporate name; And extracting at least one second payment service as the candidate payment service when the first card is a corporate name, and wherein the at least one second payment service is greater than the at least one first payment service. It may further include at least one authentication process.

The determining of the selected payment service may further include extracting one or more third payment services capable of using the first card as the candidate payment service.

Determining the selected payment service may include providing the at least one candidate payment service to the user's terminal; And based on the user's selection information for the provided at least one candidate payment service, determining any one of the at least one candidate payment service as the selected payment service.

Providing the at least one candidate payment service to the user's terminal provides additional information for each of the at least one candidate payment service to the user's terminal together with the at least one candidate payment service, and the additional information May include information on the benefits of using each candidate payment service as the payment method.

The information on the benefit may include discount information on payment for the product.

A method of requesting payment of a product through any one payment service among one or more payment services that can use the input payment method according to an embodiment of the present invention includes: receiving a payment method from a user and transmitting it to a server; Receiving and displaying at least one candidate payment service capable of using the payment method from the server; Obtaining a user's selection input for the displayed at least one candidate payment service; And transmitting the selected payment service corresponding to the selection input among the candidate payment services to the server.

The step of receiving the payment means and transmitting it to the server may further include displaying a fourth payment service independent of the availability of the payment means when the user inputs the payment method.

The step of receiving the payment means and transmitting it to the server is to receive the identification information of the first card and transmit it to the server, and receiving and displaying the at least one candidate payment service uses the first card from the server. One or more of these possible third payment services may be received and displayed.

The step of receiving and displaying the at least one candidate payment service receives and displays additional information for each of the one or more third payment services together with the one or more third payment services from the server, and the additional information is the first One card may include information on the benefits of using each third payment service.

An apparatus for processing payment of a product by any one payment service among one or more payment services that can use a payment method input by a user according to an embodiment of the present invention includes a control unit, and the control unit is provided from the user terminal. Receiving the user's payment method for the product, extracting at least one candidate payment service capable of using the payment method, and processing payment of the product among the at least one candidate payment service according to a predetermined criterion Decide which payment service to do, and request payment of the product from the payment server of the payment service.

An apparatus for requesting payment of a product through any one payment service among one or more payment services that can use the input payment method according to an embodiment of the present invention includes a control unit, and the control unit receives a payment method from a user Send to a server, receive and display at least one candidate payment service capable of using the payment method from the server, obtain a user's selection input for the displayed at least one candidate payment service, and receive the candidate payment service Among them, the selected payment service corresponding to the selected input may be transmitted to the server.

According to the present invention, it is possible to conveniently process payment by selecting an appropriate payment service according to payment information input by a user, and to process a product payment process with minimal manipulation.

In addition, according to the present invention, a payment service may be selectively provided to a user based on whether the name of the payment method matches the user who requested the payment. In particular, for payment requests with low risk of identity theft, etc., a simpler payment service can be provided to facilitate payment, and for payment requests with a relatively high risk, more authentication steps are required to ensure secure payment. can do.

Further, according to the present invention, it is possible to prevent indiscriminate use of a card in the name of a corporation in advance.

In addition, according to the present invention, by providing various payment services that a user can use for one payment method in advance, it is possible to minimize the time for the user to review the availability of multiple payment services during the payment process. Optimal payment can be made through comparison between payment services.

1 is a diagram illustrating an example of a network environment according to an embodiment of the present invention.
2 is a block diagram illustrating an internal configuration of a server and a user terminal in an embodiment of the present invention.
3 is a flowchart showing a selective payment processing method performed by a server according to an embodiment of the present invention in time series.
4 is a flowchart illustrating a selective payment request method performed by a user terminal according to an embodiment of the present invention in time series.
5A and 5B are examples of a screen for inputting a payment method to a user terminal.
6 is an example of a screen displaying a payment result according to another embodiment of the present invention.
7 is an example of a screen in which a plurality of candidate payment services are displayed according to an embodiment of the present invention.
8 and 9 are examples of screens displayed on the user terminal when the payment method card is not the user's name.

For a detailed description of the present invention, which will be described later, reference is made to the accompanying drawings that illustrate, by way of example, specific embodiments in which the invention may be practiced. These embodiments are described in detail enough to enable those skilled in the art to practice the present invention. It should be understood that the various embodiments of the present invention are different, but need not be mutually exclusive. For example, specific shapes, structures, and characteristics described in this specification may be implemented by changing from one embodiment to another without departing from the spirit and scope of the present invention. In addition, it should be understood that the position or arrangement of individual components within each embodiment may be changed without departing from the spirit and scope of the present invention. Therefore, the detailed description to be described later is not intended to be taken in a limiting sense, and the scope of the present invention should be taken to cover the scope claimed by the claims of the claims and all equivalents thereto. In the drawings, similar reference numerals denote the same or similar components throughout several aspects.

Hereinafter, various embodiments of the present invention will be described in detail with reference to the accompanying drawings in order to enable those skilled in the art to easily implement the present invention.

1 is a diagram illustrating an example of a network environment according to an embodiment of the present invention.

The network environment of FIG. 1 shows an example including a server 100, a plurality of user terminals 201, 202, 203, and 204 and a network 300. 1 is not limited to the number of user terminals or the number of servers as shown in FIG. 1 as an example for explaining the present invention.

The plurality of user terminals 201, 202, 203, and 204 may be fixed terminals or mobile terminals implemented as a computer device. For example, a plurality of user terminals (201, 202, 203, 204), smart phones, mobile phones, navigation, computers, notebooks, digital broadcasting terminals, PDA (Personal Digital Assistants), PMP (Portable Multimedia Player), tablet PC And so on.

For example, the plurality of user terminals 201, 202, 203, and 204 may use a wireless or wired communication method to communicate with each other and / or the plurality of user terminals 201, 202, 203, and 204 through the network 300. It can communicate with the server 100.

Meanwhile, a communication method of the plurality of user terminals 201, 202, 203, and 204 is not limited, and a communication network (eg, a mobile communication network, a wired Internet, a wireless Internet, and a broadcasting network) that the network 300 can include is utilized. In addition to the communication method, short-range wireless communication between devices may also be included.

For example, the network 300 includes a Personal Area Network (PAN), a Local Area Network (LAN), a Campus Area Network (CAN), a Metropolitan Area Network (MAN), a Wide Area Network (WAN), and a Broad Band Network (BBN). ), Any network of one or more of the Internet, and the like.

In addition, the network 300 may include any one or more of a network topology including a bus network, a star network, a ring network, a mesh network, a star-bus network, a tree or a hierarchical network, etc. It is not limited.

Hereinafter, for convenience of description, a plurality of user terminals 201, 202, 203, and 204 will be described by naming them as user terminals 200.

The server 100 may be implemented as a computer device or a plurality of computer devices that provide commands, codes, files, contents, services, etc. to the user terminal 200 through the network 300.

In one example, the server 100 may provide a file for installing an application to the user terminal 200 accessed through the network 300. In this case, the user terminal 200 may install an application using a file provided from the server 100.

In addition, the user terminal 200 is connected to the server 100 under the control of an operating system (Operating System, OS) and at least one program (for example, a browser or an installed application) to access the server 100, the service or content provided by the server 100 Can be provided. For example, when the user terminal 200 requests information about at least one candidate payment service that can use a payment method through the network 300, the server 100 responds to the request. At least one candidate payment service capable of using a payment method may be extracted and transmitted to the user terminal 200, and the user terminal 200 may display it according to the control of the application and provide it to the user.

2 is a block diagram illustrating the internal configuration of the server 100 and the user terminal 200 in one embodiment of the present invention.

The server 100 and the user terminal 200 may include memories 111 and 211, processors 112 and 212, communication modules 113 and 213, and input / output interfaces 114 and 214.

The memory 111, 211 is a computer-readable recording medium and may include a non-destructive mass storage device (Random Access Memory), a ROM (Read Only Memory), and a disk drive. In addition, an operating system and at least one program code (for example, a code for an Internet shopping application that is installed and driven in the user terminal 200) may be stored in the memories 111 and 211. These software components may be loaded from a computer-readable recording medium separate from the memories 111 and 211 using a drive mechanism. Such a separate computer-readable recording medium may include a computer-readable recording medium such as a floppy drive, disk, tape, DVD / CD-ROM drive, and memory card.

In other embodiments, software components may be loaded into memory 111, 211 through communication modules 113, 213 rather than a computer-readable recording medium. For example, at least one program is based on a program installed by files provided by a file distribution system (for example, the server 100 described above) that distributes installation files of developers or applications through the network 300. Can be loaded into the memory 111, 211.

Processors 112 and 212 may be configured to process instructions of a computer program by performing basic arithmetic, logic, and input / output operations. Instructions may be provided to the processors 112, 212 by the memory 111, 211 or the communication modules 113, 213. For example, the processors 112 and 212 may be configured to execute instructions received according to program codes stored in recording devices such as the memory 111 and 211.

The communication modules 113 and 213 may provide a function for the user terminal 200 and the server 100 to communicate with each other through the network 300, and another user terminal (not shown) or another server (not shown). It can provide a function to communicate with. For example, a request (eg, a request for providing a candidate payment service) generated by the processor 212 of the user terminal 200 according to a program code stored in a recording device such as the memory 211 is controlled by the control of the communication module 213 It may be delivered to the server 100 through the network 300. Conversely, the control signal, command, content, file, etc. provided under the control of the server 100, processor 112, communicates through the communication module 113 and the network 300, and the communication module 213 of the user terminal 200 It may be received by the user terminal 200 through. For example, control signals or commands of the server 100 received through the communication module 213 may be transmitted to the processor 212 or the memory 211, and the user terminal 200 may further provide content or files. It may be stored as a storage medium that can be included.

The input / output interfaces 114 and 214 may be means for interfacing with the input / output device 215. At this time, the input device may include, for example, a device such as a keyboard or a mouse, and the output device may include a device such as a display for displaying a communication session of the application.

As another example, the input / output interface 214 may be a means for interface with a device in which functions for input and output are integrated into one, such as a touch screen.

In addition, in other embodiments, the user terminal 200 and the server 100 may include more components than those in FIG. 2. However, there is no need to clearly show most prior art components. For example, the user terminal 200 is implemented to include at least a portion of the input / output device 215 described above, or other components such as a transceiver, global positioning system (GPS) module, camera, various sensors, database, etc. It may include more.

3 is a flow chart showing the selective payment processing method performed by the server 100 according to an embodiment of the present invention in time series.

The processor 112 of the server 100 according to an embodiment of the present invention may receive a payment method for a product to be purchased by a user from the user terminal 200. (S31)

In the present invention, the 'payment means' is a means of payment for the user's product items, and is used online for payment of cards (credit card, check card, debit card, gift card, etc.), account transfer, mobile phone payment, and points. It can mean various means commonly used.

Such payment means may further include detailed information about each payment means. For example, when the payment method is a card, the payment method may include a card number, a validity period of the card, a CVC code of the card, and a password of the card. Of course, if the payment method is an account transfer, the payment method may include an account number, bank information, and password of the account. However, this is exemplary and the spirit of the present invention is not limited thereto.

Meanwhile, the payment method may be input to the user terminal 200 by the user and transmitted to the server 100, which will be described in detail in FIG. 4.

Subsequently, the processor 112 according to an embodiment of the present invention may extract at least one candidate payment service capable of using the payment method received in step S31. (S32)

In the present invention, the 'candidate payment service' is at least one payment service that can use the payment method received from the user terminal, and a third party who pays for the goods on behalf of the service or the user provided by the financial company and claims it to the financial company It may mean a service provided. The candidate payment service may be singular or plural.

For example, if the payment method is a specific credit card, the processor 112 can pay for one or more payment services that can be paid with the credit card (ie, registered with the credit card or registered with the credit card). Can be extracted with

At this time, the processor 112 according to an embodiment of the present invention may extract candidate payment services according to various methods as described below.

For example, the processor 112 according to an embodiment of the present invention may extract, as a candidate payment service, a payment service with a simplified authentication process according to whether a user and a user of a payment method match.

Looking at this in more detail, the processor 112 according to an embodiment of the present invention may check whether the first card received as the payment method from the user terminal 200 is the name of the user of the user terminal 200. When the first card is the name of a user of the user terminal 200, the processor 112 may extract at least one first payment service as a candidate payment service. In this case, the above-described first payment service may be a payment service in which at least one authentication process of the payment process is simplified.

In contrast, referring to the second payment service described later, the second payment service may be a payment service that further includes at least one authentication process than the first payment service. For example, when the second payment service includes the first authentication process, the second authentication process, and the third authentication process, the first payment service includes only the first authentication process or only the first authentication process and the third authentication process. You can.

Meanwhile, the processor 112 according to an embodiment of the present invention may extract at least one second payment service as a candidate payment service when the first card is not the name of a user of the user terminal 200.

In other words, the processor 112 according to an embodiment of the present invention may extract a payment service further including an authentication process as a candidate payment service when the first card is not the name of a user of the user terminal 200. .

Accordingly, the present invention can selectively provide a payment service to the user based on the name of the payment method. In particular, for payment requests with low risk of identity theft, etc., a simple payment service can be provided to facilitate payment, and for payment requests with a relatively high risk, more authentication steps are required to ensure secure payment. You can.

As another example, the processor 112 according to an embodiment of the present invention may extract a payment service to which an authentication process has been added as a candidate payment service, depending on whether the payment method is a corporate name.

Looking at this in more detail, the processor 112 according to an embodiment of the present invention may check whether the first card received as a payment method from the user terminal 200 is a corporate name. When the first card is a corporate name, the processor 112 may extract at least one second payment service as a candidate payment service. At this time, the second payment service may be a payment service that further includes at least one authentication process than the first payment service as described above.

In this way, the present invention can prevent indiscriminate use of the card in the corporate name in advance.

As another example, the processor 112 according to an embodiment of the present invention may extract various payment services available for payment means as candidate payment services.

Looking at this in more detail, the processor 112 according to an embodiment of the present invention can extract one or more third payment services capable of using the first card received as a payment method from the user terminal 200 as a candidate payment service. have.

For example, suppose that the user is subscribed to the A to C payment service with the first card among the A to E payment services. In this case, the processor 112 may extract A to C payment services as candidate payment services.

Accordingly, the present invention can minimize the time for the user to review the availability of a specific payment service during the payment process by providing various payment services that the user can use for one payment method in advance. Optimal payment can be made through comparison between the two.

Subsequently, the processor 112 according to an embodiment of the present invention may provide at least one candidate payment service determined in step S32 to the user terminal 200. (S33) Also, the processor according to an embodiment of the present invention ( 112) may provide additional information for each of the at least one candidate payment service together with the at least one candidate payment service. In this case, the 'additional information' may include information on the benefits of using each candidate payment service as a corresponding payment method.

For example, when the payment method is the first card as described above, the processor 112 according to an embodiment of the present invention includes at least one payment service available as a first card and discount information for each payment service (discount) Ratio, discount amount, payment amount after discount, etc.).

The processor 112 according to an embodiment of the present invention may receive user selection information from the user terminal 200 for at least one candidate payment service provided in step S33. (S34)

In addition, the processor 112 according to an embodiment of the present invention may determine a selected payment service to process payment of a product among at least one extracted candidate payment service according to a predetermined criterion (S35).

For example, if at least one candidate payment service is provided to the user terminal 200 according to steps S33 and S34 and the user's selection information is received, the aforementioned 'predetermined criterion' may be a user's selection.

In other words, the processor 112 according to an embodiment of the present invention may determine a payment service selected by a user as at least one candidate payment service among at least one candidate payment service.

Meanwhile, in another embodiment of the present invention, the 'predetermined criterion' may mean that the processor 112 selects a payment service having the most simplified authentication process among at least one candidate payment service.

Looking at this in more detail, when it is determined in S32 that the first card is the name of the user of the user terminal 200, the processor 112 according to an embodiment of the present invention may perform the user terminal 200 according to steps S33 and S34. The process of providing at least one candidate payment service to the user and omitting the process of receiving the user's selection information may be omitted, and a payment process described below may be performed according to the first payment service, which is a simplified payment service for at least one authentication process.

In other words, according to another embodiment of the present invention, a series of payment processes may be performed according to a payment service in which the authentication process is the most simplified without any user manipulation. At this time, the processor 112 according to an embodiment of the present invention may provide identification information of the first payment service that has made payment to the user terminal 200 as a payment result.

Thus, the present invention can process the payment process of the product with minimal manipulation.

The processor 112 according to an embodiment of the present invention may request payment of a product price from the payment server 400 of the selected payment service determined in step S35. (S36)

As described above, the present invention can enable i) to perform a rapid payment process with minimal manipulation, or ii) optimal payment through mutual comparison between various payment services. Hereinafter, the operation of the user terminal 200 operating in conjunction with the server 100 described with reference to FIG. 3 will be described with reference to FIG. 4.

4 is a flow chart showing a method of selective payment request performed by the user terminal 200 according to an embodiment of the present invention in time series.

The processor 212 of the user terminal 200 according to an embodiment of the present invention may receive a payment method from a user through the input / output device 215. In addition, when receiving a payment method, the processor 212 according to an embodiment of the present invention may display a fourth payment service irrespective of the availability of the payment method input by the user. (S41)

In this case, being independent of the availability of the fourth payment service and the payment method being input may mean that the fourth payment service may or may not be able to use the payment method input by the user.

That is, the processor 212 may allow the user to quickly proceed with the payment process according to the intended payment service by exposing a separate payment service at the beginning of the user's payment process, or to induce payment with a new payment service. It might be.

Subsequently, the processor 212 according to an embodiment of the present invention may transmit the payment means obtained in step S41 to the server 100 (S42).

The server 100 receiving the payment means may extract at least one candidate payment service according to step S32 of FIG. 3 (S43) Since detailed description thereof has been described above, it will be omitted.

The processor 212 according to an embodiment of the present invention may receive and display at least one candidate payment service determined by the server 100 in step S43 (S44). (S45)

For example, in step S41, when the processor 212 receives the identification information of the first card and transmits it to the server 100, the processor 212 may use one or more third payment services that can use the first card from the server 100. Can be received and displayed.

Meanwhile, the processor 212 according to an embodiment of the present invention may receive and display additional information on each of the one or more third payment services together with the one or more third payment services from the server 100. In this case, the additional information may include information on benefits (for example, discount rate, discount amount, payment amount after discount, etc.) when using each third payment service with the first card.

The processor 212 according to an embodiment of the present invention may acquire a user's selection input for at least one candidate payment service displayed in step S45. (S46) Also, the processor 212 according to an embodiment of the present invention ) May transmit the payment service selected by the user to the server 100. (S47)

The server 100 may complete the payment processing of the product by proceeding with the remaining payment process with the payment service selected by the user. This will be omitted because it has been described in detail in FIG. 3.

Meanwhile, according to another embodiment of the present invention, when the selected payment service is determined by the server 100, the processes of steps S44 to S47 described above may be omitted.

In other words, the payment processing process after the user terminal 200 transmits the payment means to the server 100 according to step S42 may be automatically performed by the server 100 without user selection or intervention. In this case, identification information of the selected payment service selected by the server 100 may be displayed on the payment result display screen.

As described above, the present invention can enable i) to perform a rapid payment process with minimal manipulation, or ii) optimal payment through mutual comparison between various payment services.

5A to 9 are examples of screens displayed on the user terminal 200 according to an embodiment of the present invention according to a payment process.

5A and 5B are examples of screens 510 and 520 for inputting a payment method to the user terminal 200.

As shown on the screen 510, the user can select any one of 'account transfer', 'credit / check card', 'mobile phone', and 'point' as a payment method for goods.

For example, when the user selects 'credit / check card' as a payment method, the user may input detailed information about the credit / check card as shown in the screen 520.

Information input to the user terminal 200 through the screens 510 and 520 may be transmitted to the server 100 and used to determine a candidate payment service and / or a selective payment service as described above.

Meanwhile, a fourth payment service 521 may be displayed on the screen 520 for inputting a payment method irrespective of the availability of the payment method input by the user. At this time, the fourth payment service 521 is determined by the server 100, and may be a payment service frequently used by the user or a new payment service without a history used by the user. However, this is exemplary and the spirit of the present invention is not limited thereto.

Furthermore, another payment method (not shown) may be displayed on the screen 520 by replacing the fourth payment service 521. At this time, another payment method may be a payment method frequently used by a user.

6 is an example of a screen 610 displaying payment results according to another embodiment of the present invention.

When the selected payment service is determined by the server 100 as described above, the process of the user selecting the payment service during the payment process (steps S44 to S47 in FIG. 4) may be omitted.

In other words, the payment processing process after the user terminal 200 transmits the payment means to the server 100 according to step S42 of FIG. 4 may be performed by the server 100 without user selection or intervention.

In this case, the screen 610 may be displayed immediately after the screen 520 of FIG. 5B. At this time, the screen 610 may include identification information 611 of the selected payment service selected by the server 100.

In other words, when the selected payment service is determined by the server 100 according to a predetermined criterion, the server 100 according to an embodiment of the present invention includes the determined identification payment service identification information 611 together with the payment result. It can be provided to the user terminal 200.

As a result, the user can easily understand which payment service the payment process has been performed.

7 is an example of a screen 710 in which a plurality of candidate payment services are displayed according to an embodiment of the present invention.

As described above, the server 100 according to an embodiment of the present invention may transmit additional information on each candidate payment service to the user terminal 200 together with one or more candidate payment services. In this case, the additional information may include information about the benefit 711 when using each candidate payment service with the first card.

Accordingly, the user can easily compare and review various payment services for the same payment method so that the optimal product payment is made.

8 and 9 are examples of screens 810 and 910 displayed on the user terminal 200 when the payment method card is not the user's name.

As described above, the server 100 may check whether the card input by the user as the payment method is the user's name, and differentially extract the candidate payment service according to the result.

At this time, the server 100 notifies the user terminal 200 that the card is not the user's name if the card entered by the user as the payment method is not the user's name, and the user terminal 200 is as shown in the screen 810. A message 811 indicating that the names are different may be displayed, and a general payment screen (that is, further including a relative authentication process) may be displayed as shown in the screen 910.

The device described above may be implemented with hardware components, software components, and / or combinations of hardware components and software components. For example, the devices and components described in the embodiments include, for example, processors, controllers, arithmetic logic units (ALUs), digital signal processors (micro signal processors), microcomputers, field programmable gate arrays (FPGAs). , A programmable logic unit (PLU), microprocessor, or any other device capable of executing and responding to instructions, may be implemented using one or more general purpose computers or special purpose computers. The processing device may execute an operating system (OS) and one or more software applications running on the operating system. In addition, the processing device may access, store, manipulate, process, and generate data in response to the execution of the software. For convenience of understanding, a processing device may be described as one being used, but a person having ordinary skill in the art, the processing device may include a plurality of processing elements and / or a plurality of types of processing elements. It can be seen that may include. For example, the processing device may include a plurality of processors or a processor and a controller. In addition, other processing configurations, such as parallel processors, are possible.

The software may include a computer program, code, instruction, or a combination of one or more of these, and configure the processing device to operate as desired, or process independently or collectively You can command the device. Software and / or data may be interpreted by a processing device, or to provide instructions or data to a processing device, of any type of machine, component, physical device, virtual equipment, computer storage medium or device. , Or may be permanently or temporarily embodied in the transmitted signal wave. The software may be distributed on networked computer systems, and stored or executed in a distributed manner. Software and data may be stored in one or more computer-readable recording media.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer readable medium. Computer-readable media may include program instructions, data files, data structures, or the like alone or in combination. The program instructions recorded on the medium may be specially designed and constructed for the embodiments or may be known and usable by those skilled in computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs, DVDs, and magnetic media such as floptical disks. -Hardware devices specially configured to store and execute program instructions such as magneto-optical media, and ROM, RAM, flash memory, and the like. Examples of program instructions include high-level language code that can be executed by a computer using an interpreter, etc., as well as machine language codes produced by a compiler. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

As described above, although the embodiments have been described by a limited embodiment and drawings, those skilled in the art can make various modifications and variations from the above description. For example, the described techniques are performed in a different order than the described method, and / or the components of the described system, structure, device, circuit, etc. are combined or combined in a different form from the described method, or other components Alternatively, even if replaced or substituted by equivalents, appropriate results can be achieved.

Therefore, other implementations, other embodiments, and equivalents to the claims are also within the scope of the following claims.

100: server
111: memory
112: processor
113: communication module
114: input and output interface
200: user terminal
201, 202, 203, 204: user terminal
211: memory
212: processor
213: communication module
214: input and output interface
215: input / output device
300: network

Claims (15)

In the method of processing the payment of the product with any one of the payment services available to one or more payment services that can be used by the user input by the server,
Receiving the user's payment method for the product from the user's terminal;
The user is subscribed to the service and extracts at least one candidate payment service capable of using the payment method, and selects a payment service to process payment of the product among the at least one candidate payment service according to a predetermined criterion. Determining; And
Including; requesting the payment of the product to the payment server of the selected payment service;
When the payment method received in the receiving step is a credit card,
Determining the selected payment service is
Optional payment processing method, extracting one or more payment services that can be paid by the credit card to the at least one candidate payment service. The method of claim 1
The payment method is a first card
Determining the selected payment service is
Checking whether the first card is the user's name; And
Includes; when the first card is the name of the user, extracting at least one first payment service as the candidate payment service;
The at least one first payment service
An optional payment processing method in which at least one of the payment processes is a simplified payment service. The method of claim 2
The optional payment processing method
After the step of checking whether the first card is the name of the user,
Further comprising, if the first card is not the name of the user, extracting at least one second payment service as the candidate payment service;
The at least one second payment service
And at least one authentication process than the at least one first payment service. The method of claim 2
Determining the selected payment service is
Checking whether the first card is a corporate name; And
Further comprising, when the first card is a corporate name, extracting at least one second payment service as the candidate payment service;
The at least one second payment service
And at least one authentication process than the at least one first payment service. The method of claim 2
Determining the selected payment service is
And extracting at least one third payment service capable of using the first card as the candidate payment service. The method of claim 1
Determining the selected payment service is
Providing the at least one candidate payment service to the user's terminal; And
And determining any one of the at least one candidate payment service as the selected payment service based on the user's selection information for the provided at least one candidate payment service. The method of claim 6
Providing the at least one candidate payment service to the user's terminal is
Provide additional information for each of the at least one candidate payment service to the user's terminal together with the at least one candidate payment service,
The additional information
Optional payment processing method comprising information about the benefits of using each candidate payment service as the payment method. The method of claim 7
Information about the above benefits
A selective payment processing method including discount information on payment for the product. In the method for requesting payment of a product to any one of the payment service available from one or more payment services available payment method input by the user terminal,
Receiving a payment method from a user and transmitting it to a server;
Receiving and displaying at least one candidate payment service in which the user is subscribed to the service and can use the payment method from the server;
Obtaining a user's selection input for the displayed at least one candidate payment service; And
And transmitting the selected payment service corresponding to the selection input among the candidate payment services to the server.
If the payment method is a credit card
The displaying step is
An optional payment request method, wherein the server receives and displays the at least one candidate payment service capable of payment with the credit card. The method of claim 9
The step of receiving the payment method and transmitting it to the server is
And when the user inputs the payment method, displaying a fourth payment service irrelevant to the availability of the payment method. The method of claim 9
The step of receiving the payment method and transmitting it to the server is
It receives the identification information of the first card and transmits it to the server,
The step of receiving and displaying the at least one candidate payment service is
An optional payment request method for receiving and displaying one or more third payment services capable of using the first card from the server. The method of claim 11
The step of receiving and displaying the at least one candidate payment service is
The server receives and displays additional information for each of the one or more third payment services together with the one or more third payment services,
The additional information
Optional payment request method comprising information about the benefits of using each third payment service with the first card. A computer program stored in a medium for executing the method of any one of claims 1 to 12 using a computer. An apparatus for processing payment of a product with any one payment service among one or more payment services that can use a payment method input by a user, wherein the device includes a control unit,
The control unit
Receiving the user's payment method for the product from the user's terminal,
Extracting at least one candidate payment service capable of using the payment method, and determining a selected payment service to process payment of the product among the at least one candidate payment service according to a predetermined criterion,
Request payment of the product to the payment server of the selected payment service,
If the payment method is a credit card
An optional payment processing device that extracts one or more payment services that can be paid with the credit card as the at least one candidate payment service. In the apparatus for requesting payment of a product to any one of the one or more payment services that can use the input payment method, the apparatus includes a control unit,
The control unit
It receives the payment method from the user and sends it to the server,
Receiving and displaying at least one candidate payment service capable of using the payment method from the server,
Obtaining a user's selection input for the displayed at least one candidate payment service,
Among the candidate payment services, the selected payment service corresponding to the selected input is transmitted to the server,
If the payment method is a credit card
An optional payment requesting device for receiving and displaying the at least one candidate payment service capable of payment with the credit card from the server.

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