KR102136775B1 - Prepaid money payment method and system for managing children's consumption - Google Patents

Abstract

The present invention relates to a prepaid charging payment method and system. In the prepaid charging payment method of the present invention, the mother terminal and the child terminal are interlocked using a customer number, and the cache corresponding to the amount paid by the mother terminal is charged to the account of the mother terminal. Step, receiving the use destination available to the child terminal set in the mother terminal, and the charge cache amount for the use destination, cache payment for the merchant terminal included in the destination from the child terminal And receiving a request, performing a requested payment within the charge cache amount, and calculating an amount corresponding to the cache accumulated after payment is completed, and paying the account to the merchant terminal.

Description

Prepaid money payment method and system for managing children's consumption}

The present invention relates to a prepaid charging method and system for managing the consumption of children with poor pocket money management.

The prepaid charging method mainly operates in large businesses such as telephones and transportation companies, or large companies with a nationwide distribution network. This is because, due to the nature of the prepaid payment method, the number of available merchants must be registered so that the consumer does not feel uncomfortable with the use after the prepayment.

Therefore, in the case of small and medium-sized merchants operating small stores offline, it was not easy to apply the prepaid payment method individually.

On the other hand, parents with children are using a method similar to this prepaid recharge payment in offline stores. For example, parents deposit deposits in advance in stores that are frequently used by children for children who are still poorly managed. Subsequently, children can use the service of the corresponding store within the amount deposited by the parents.

However, this method was inconvenient for parents to visit each store used by the child and deposit the amount in advance. In addition, when the deposited amount was exhausted, there was a hassle that the parents had to visit the store again and deposit the money again.

An object of the present invention is to provide a prepaid charging payment method and system that enables children to manage consumption of children by allowing the children to use the freely charged cache at a pre-specified use place.

In addition, the present invention provides a prepaid charging and payment method and system capable of limiting children's mobile traffic within a safe range by directly designating a plurality of stores as a user's destination or collectively designating stores within a certain range as a destination. It is aimed at.

In addition, it is an object of the present invention to provide a prepaid charging method and system for parents to manage their children's pocket money through the terminal.

In addition, the present invention provides a prepaid recharge payment method and system for parents to use merchants subscribed to the platform as a destination, to increase sales through securing users, and to improve payment convenience through automatic settlement. It is aimed at.

The objects of the present invention are not limited to the objects mentioned above, and other objects and advantages of the present invention not mentioned can be understood by the following description, and will be more clearly understood by the embodiments of the present invention. In addition, it will be readily appreciated that the objects and advantages of the present invention can be realized by means of the appended claims and combinations thereof.

The prepaid charge payment method according to an embodiment of the present invention includes a prepaid charge payment method performed on a platform server communicating with a mother terminal, a child terminal, and a merchant terminal, wherein the mother terminal and the child terminal are Interoperating with the customer number, the step of the cache corresponding to the amount of money paid by the mother terminal is charged to the account of the mother terminal, the child terminal set in the mother terminal and the available destination Receiving a charge cache amount for the user, receiving a cache payment request for the merchant terminal included in the user terminal from the child terminal, and performing a requested payment within the charge cache amount And calculating the amount corresponding to the cache accumulated after payment is completed and paying the account to the merchant terminal.

In addition, the step of receiving the amount of use and the charging cash amount, when receiving information about a specific point from the mother terminal, a plurality of the affiliated terminal included within a predetermined distance from the specific point is automatically set as the destination It can include.

In addition, the step of receiving the use destination and the charging cash amount may include receiving the charging cash amount set for each industry or category of the merchant terminal from the mother terminal.

In addition, the charging cache amount may be set within a range of a cache pre-charged in the account of the mother terminal.

In addition, the step of receiving a charge cache amount with the place of use may include receiving information on the merchant terminal included in the plurality of merchants when a plurality of merchants are directly selected at the mother terminal. .

In addition, the step of receiving the use destination and the charging cash amount may include setting a plurality of affiliated stores as the use destination and the different charging cache amounts for each of the affiliated stores.

Further, the charge cache amount may be deducted each time the child terminal pays the cache to the merchant terminal, and may be recharged every predetermined period according to the setting of the mother terminal.

In addition, the step of performing the payment includes generating and displaying a payment code in the child terminal, and generating payment information based on the payment code in the merchant terminal and transmitting the payment information to the child terminal, When the payment password input from the child terminal matches the payment password previously input, it may include the step of performing the payment of the cache.

In addition, the step of performing the payment includes generating and displaying a payment code in the child terminal, and generating payment information based on the payment code in the merchant terminal and delivering the information to the mother terminal. When the payment confirmation information is input from the mother terminal, it may include the step of performing the payment of the cache.

In addition, the step of interworking with the customer number includes: displaying the customer number provided by the platform server on the child terminal, and receiving input for the customer number from the mother terminal. And setting a permission for access to the account of the child terminal to the account of the mother terminal, and providing a cache usage history for the child terminal to the mother terminal in the platform server. It may further include.

On the other hand, the prepaid charge payment system according to another embodiment of the present invention, a child terminal that performs payment with a preset charging cache amount at a preset use place equipped with a merchant terminal, the child terminal using a customer number The terminal for the mother, which is interlocked with, and the mother terminal for setting the charge cache amount for the user, and the user where the child terminal is available, and the cache corresponding to the amount paid by the mother terminal. It includes a platform server to charge the account of the account, and settles the amount corresponding to the cash paid by the affiliated terminal and pays it to the account of the affiliated terminal, wherein the child terminal has the payment of the cache only within the charged cache amount. It is possible, and the charge cache amount is set differently for each of the plurality of users, the child terminal is deducted every time the cache is paid at the user, and is recharged every predetermined period set in the mother terminal.

The prepaid charging payment method and system of the present invention as described above prevents children from using pocket money for purposes other than the parent's intended purpose by inducing the children to use pocket money within the use and usage specified by the parent. can do.

In addition, the present invention can limit the children's activity radius within a parent-designated use area, thereby improving children's safety, and parents can predict their children's movements, thereby reducing parental anxiety.

In addition, the present invention can induce parents to guide their children's use of pocket money by providing the parents with the child's pocket money. Through this, parents can easily manage and improve their children's spending habits.

In addition, the present invention can increase the inflow of users to improve the sales of platform merchants. Subsequently, by increasing the number of affiliated stores using the effect of increasing sales, it is possible to widen the selection of users using the platform.

In addition to the above-described effects, the concrete effects of the present invention will be described together while describing the specific matters for carrying out the invention.

1 is a schematic diagram showing a prepaid charging payment system according to some embodiments of the present invention.
FIG. 2 is a block diagram showing the platform server of FIG. 1.
3 is a diagram illustrating an interface provided to each terminal by the interface generator of FIG. 2.
4 is a flow chart for explaining a prepaid charging payment method according to an embodiment of the present invention.
FIG. 5 is a view for specifically describing the interface of the mother terminal of FIG. 4.
FIG. 6 is a diagram for explaining a method of interworking between a mother terminal and a child terminal of FIG. 4.
7 is a view for explaining the cache charging method of the mother terminal of FIG. 4.
FIG. 8 is a view for explaining the usage and charging cache amount set in the mother terminal of FIG. 4.
9 is a view for explaining a payment method between a child terminal and a merchant terminal according to an embodiment of the present invention.
10 is a view for explaining a payment method between a child terminal and a merchant terminal according to another embodiment of the present invention.
11 is a schematic diagram for explaining a prepaid charging payment method according to another embodiment of the present invention.
12 is a flowchart for explaining a prepaid charging payment method according to another embodiment of the present invention.

Advantages and features of the present invention, and methods for achieving them will be clarified with reference to embodiments described below in detail together with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but will be implemented in various different forms, and only the present embodiments allow the disclosure of the present invention to be complete, and the general knowledge in the technical field to which the present invention pertains. It is provided to fully inform the holder of the scope of the invention, and the invention is only defined by the scope of the claims. The same reference numerals refer to the same components throughout the specification.

Unless otherwise defined, all terms (including technical and scientific terms) used in the present specification may be used as meanings commonly understood by those skilled in the art to which the present invention pertains. In addition, terms defined in the commonly used dictionary are not ideally or excessively interpreted unless specifically defined.

Hereinafter, a method and system for prepaid charging payment according to some embodiments of the present invention will be described with reference to FIGS. 1 to 12.

1 is a schematic diagram showing a prepaid charging payment system according to some embodiments of the present invention.

Referring to FIG. 1, a prepaid charging payment system according to some embodiments of the present invention includes a platform server 100, a mother terminal 200, a child terminal 300, and a plurality of merchant terminals 400. .

The platform server 100 represents an operation server of a prepaid charge payment service that performs the prepaid charge payment method of the present invention.

For example, the platform server 100 may provide an application called “Mom's wallet” in which a prepaid charging payment method is implemented to each terminal.

Specifically, the platform server 100 may receive a member subscription or use application from the mother terminal 200, the child terminal 300, and the merchant terminal 400 to create and allocate each account.

At this time, each terminal (that is, the mother terminal 200, the child terminal 300 and the merchant terminal 400) have different attributes (for example, a child account, a parent account, a merchant account). You can choose when you sign up. The platform server 100 may provide different interface screens to each terminal according to the attribute of the account set at the time of each subscription.

For example, the mother terminal 200 may apply for a subscription with a parent account when registering as a member, and the platform server 100 may provide a parent interface screen to the mother terminal 200. In addition, the child terminal 300 may apply for a subscription with a child account when registering as a member, and the platform server 100 may provide a child interface screen to the child terminal 300. In addition, the merchant terminal 400 may apply for a subscription with an account for a merchant upon signing up for membership, and the platform server 100 may provide an interface screen for the merchant to the merchant terminal 400.

Here, a detailed description of each interface screen will be described later with reference to FIG. 3.

The platform server 100 may manage and control all data generated in the subscriber's terminal and transactions between the terminals. In addition, it is possible to generate and provide an interface to each terminal based on the received data and transaction.

In addition, the platform server 100 may provide a prepaid charging service using a virtual currency used in the platform. The virtual currency used by the platform server 100 will be defined as'cash' below.

Specifically, the'cache' is a virtual currency used by the platform server 100. The cache may function as a currency used when each terminal uses a service.

For example, the mother terminal 200 may provide the child terminal 300 with a cache filled with the concept of pocket money. At this time, in order to provide a cache to the child terminal 300, the mother terminal 200 may interlock devices by sharing the code of the child terminal 300 in advance.

The child terminal 300 may use the cache provided by the mother terminal 200 in the merchant terminal 400. The child terminal 300 may use the cache charged in the merchant terminal 400 corresponding to the destination designated by the mother terminal 200. At this time, the child terminal 300 may use a cache within the range of the charged cash amount. That is, the child terminal 300 cannot use the service when the cache required to use the service in the merchant terminal 400 is insufficient.

That is, minus payment is not supported in the child terminal 300. For reference, in the case of the mother terminal 200, the cache for the child terminal 300 may be provided in advance before charging the cache, and the amount of the minus cache may be paid by card payment later.

When the merchant terminal 400 is installed, the merchant terminal 400 may provide a specific service to the child when the child terminal 300 pays the cache. For example, affiliated stores include stationery stores, food stores, convenience stores, and the like. Each merchant may sell goods corresponding to the paid cash, or provide a service for providing food to the child. At this time, the platform server 100 may be linked with a large number of affiliated terminal 400 to expand a user's choice.

The platform server 100 may track and record processes such as production, movement, and payment of the cache at each stage. In addition, the platform server 100 may be settled by converting the corresponding cash into cash, if the mother terminal 200 or the merchant terminal 400 desires. That is, when a settlement request is made, the platform server 100 deposits the amount corresponding to the cache held in the account of the corresponding terminal.

The cash used in the prepaid charging payment system can be implemented with various types of cryptocurrency. For example, a cryptocurrency based on blockchain technology can be applied to the cache. At this time, the platform server 100 may generate and allocate a unique electronic wallet for each terminal.

For reference, blockchain technology refers to a technology that forms a network through mutual verification through decentralized ledger. Blockchain technology recognizes books that have been agreed by a majority in the network as official books, and recognizes that only the transmission history recorded therein is valid. Therefore, in order to seize the authority of the network, the consent or hacking of a majority of the members participating in the network is required. Therefore, according to the blockchain technology, hacking of the ledger is practically impossible unless at least a majority of the members participate.

In summary, the prepaid payment system of the present invention can use various types of cryptocurrencies, including cryptocurrency, as a cache. By using such a cryptocurrency as a cache, the present invention can lower the risk for cache hacking and secure reliability and transaction stability. However, this is only one example, and the present invention is not limited thereto.

For reference, various electronic devices may be used for the mother terminal 200 and the child terminal 300. For example, the mother terminal 200 or the child terminal 300 includes a computer, an Ultra Mobile PC (UMPC), a workstation, a net-book, a PDA (Personal Digital Assistants), a portable computer, Web tablet, wireless phone, mobile phone, smart phone, e-book, portable multimedia player (PMP), portable game machine, navigation ) Device, a black box, or a digital camera. However, the present invention is not limited to this.

Hereinafter, each component of the platform server 100 will be described.

FIG. 2 is a block diagram showing the platform server of FIG. 1.

Referring to FIG. 2, the platform server 100 of the present invention includes a control unit 110, an interface generation unit 120, a communication unit 130, a cache management unit 140, a payment processing unit 150, and an affiliate store management unit 160. It can contain. However, the function of the platform server 100 is specific, and the platform server 100 may be implemented in various ways by adding or removing components.

The control unit 110 controls the operation of each component included in the platform server 100. The control unit 110 generates a command for performing a prepaid charging payment method and transmits it to each component, and can transmit data generated between each other.

The interface generating unit 120 generates an interface screen provided to each terminal. The interface generation unit 120 includes a mother interface 121, a child interface 123, and a merchant interface 131.

Here, the mother interface 121 generates an interface (eg, <A> in FIG. 3) provided to the mother terminal 200. The child interface 123 generates an interface (eg, <B> in FIG. 3) provided to the child terminal 300. The interface 125 for the affiliate store generates an interface (for example, <C> in FIG. 3) provided to the affiliate store terminal 400. The description of each interface will be described later with reference to FIG. 3.

At this time, the controller 110 may select an interface type provided to the user based on the user's account attribute.

The communication unit 130 includes one or more communication modules. Through this, the communication unit 160 can perform various wireless communication with other electronic devices to send and receive various signals. For example, the communication unit 160 may use a wireless Internet network to transmit data to separate servers or user terminals (ie, the mother terminal 200, the child terminal 300, and the merchant terminal 400). Can send and receive

The cache management unit 140 controls all data for the cache used in the prepaid charging system. The cache management unit 140 may store and manage information about the charging, delivery, payment, and settlement of the cache by database.

For example, the cache management unit 140 is a cache purchased and charged in the mother terminal 200, a charging cache delivered by assigning to the child terminal 300 in the mother terminal 200, the merchant terminal 400 It is possible to store and manage information about the paid cache and the cache settled in the merchant terminal 400.

In addition, the cache management unit 140 may include a module for encrypting or decrypting the aforementioned cryptocurrency, or a module for managing blockchain-based traffic and electronic wallets. However, this is only one example, and the present invention is not limited thereto.

The payment processing unit 150 may perform various payment operations by connecting a server of a bank company, a card company, and a PG company by wired or wireless. For example, the payment processing unit 150 may provide various payment services, such as card payment, account transfer, POS payment, wired and wireless card terminal payment, APP payment, electronic payment, mobile phone payment, mobile banking payment, to each terminal. .

Users perform payment using their desired payment method, and the payment processing unit 150 may provide a cache corresponding to the paid amount to the corresponding terminal.

For example, when the mother terminal 200 pays 100,000 won using a card payment, the payment processing unit 150 performs a card payment operation through a card company, and uses a cash equivalent of 100,000 won for the mom. It can be provided to the account of the terminal 200.

The affiliate store management unit 160 may store and manage a plurality of affiliate stores in a database. For example, the merchant management unit 160, the name, representative image, cumulative number of transactions, transaction grade, number of customers, recommendation number, minimum prepayment, location, business hours, holiday, address, introduction, phone number for each merchant It can store information on the back.

The affiliate store management unit 160 may provide a search function for an affiliate store that meets a user's desired condition. For example, when the user wants to search for the nearest stationery store in the vicinity of the user, the affiliate store management unit 160 may provide the search results to the user's terminal in the order of the nearest stationery store based on the user's GPS information. However, this is only an example, and the present invention is not limited thereto.

3 is a diagram illustrating an interface provided to each terminal by the interface generator of FIG. 2. Here, <A> represents the mother interface provided to the mother terminal 200, <B> represents the child interface provided to the child terminal 300, and <C> refers to the merchant terminal 400. It represents the terminal 400 for the merchant provided.

Referring to <A> of FIG. 3, the mother interface is divided into a plurality of regions to display various information.

Specifically, the MA area indicates a title area. In the MA area, service brand information of the platform server 100 (for example,'Mom's Wallet'), version information (for example,'for Mom') (not shown), and an entire menu icon are displayed.

MB area indicates usage statistics area. The MB area represents the monthly usage status of the mother terminal 200, detailed consumption statistics, or statistics on consumption patterns.

The MC area represents the prepaid charging list area. The MC area displays a list of its own merchants that have been prepaid. The list of merchants includes information about the name, category, and balance of each merchant.

In the affiliated store list, a plurality of affiliated stores are represented in a divided area, and other affiliated stores may be displayed through a slide. For reference, the expression method of the list of affiliated stores may be implemented in various modifications.

In addition, the list of merchants may be exposed from the merchant with the least remaining balance. Through this, the present invention can induce the user to charge the cache.

The MD area represents a category of car blind stores. The MD area can indicate the category of the merchant. The user can search for affiliated stores belonging to the corresponding category by selecting the displayed category.

In addition, the MD area may include a function of searching for an affiliate store based on my location information or searching for an affiliate store based on location information arbitrarily set by a user.

The ME area is an advertisement area and may display advertisements of advertisers.

The MF area is a notification area, and can display announcements and events of the prepaid charging system.

The MG area is another service information area and may display information about a company operating the platform server 100.

Referring to <B> of FIG. 3, the child interface is divided into a plurality of regions to display various information.

Specifically, the KA area represents the title area. In the MA area, service brand information of the platform server 100 (eg,'Mom's Wallet'), version information (eg,'for a child'), and a full menu icon are displayed.

The KB area represents the list of prepaid affiliate stores. In the list of prepaid charging merchants, information about the merchants included in the user's pre-designated user terminal 200 is displayed.

Affiliate store information includes the store's thumbnail image, store name, store classification (e.g., stationery, food, convenience store, etc.), available balance (i.e., charge cache balance), map showing store location, phone, and payment items. It can contain. For reference, this is only an example, and the method of expressing information about the affiliated store may be implemented in various ways.

At this time, only one affiliate store is displayed in the KB area, so that the child can easily recognize it. Through this, the child can easily grasp the available merchants, and visibility to the application can be improved.

The KC area represents the customer number area. The customer number displayed in the KC area may be used in a process in which the mother terminal 200 and the child terminal 300 are interlocked. In addition, it may be used when the child terminal 300 requests payment to the merchant terminal 400.

The color of the KC area may be changed when the mother terminal 200 and the child terminal 300 are interlocked. Through this, it is possible to allow the user to grasp whether or not the terminals are interlocked.

Referring to <C> of FIG. 3, the interface for the merchant is divided into a plurality of regions to display various information.

Specifically, the SA area indicates a title area. In the SA area, service brand information of the platform server 100 (for example,'mom's wallet'), version information (for example,'for business'), and an entire menu icon are displayed.

The SB area represents the prepaid statistical area. The SB area may indicate daily or monthly prepaid payment status, detailed payment statistics, or statistical data on sales growth rate of the merchant terminal 400.

The SC area represents a detailed menu area where you can select transaction details, payment requests, customer lists, and store settings.

Specifically, the transaction history provides the transaction history settled in the store using the pre-charged cache.

The payment request provides a history of the payment request applied by the child terminal 300. The payment request may be displayed through a push function or a notification function.

The customer list provides a list of customers who have pre-charged to the merchant. Specifically, the customer list may provide a filling balance of each customer, a filling date, a customer number of the child terminal 300 to be linked, and a use date.

The store setting provides a function for setting information and functions for affiliated stores required for the service. For example, the store setting provides a function to edit the corresponding store information displayed on the mother terminal 200 or the child terminal 300.

For example, through the store setting, information about the store photo, phone number, opening hours, major items, minimum charge amount, QR code, location, etc. for the affiliated store may be edited.

The SD area represents a customer search area. The SD area provides a function to search for a customer by using the customer number displayed on the child terminal 300 or the phone number of the mother terminal 200.

The SE area is an advertisement area and may display advertisements of advertisers.

The SF area is a notification area, and may display announcements and events of the prepaid charging system.

The SG area is another service information area and may display information about a company operating the platform server 100.

However, some of the plurality of regions included in the above-mentioned <A>, <B>, or <C> interface may be omitted and implemented. In addition, the <A>, <B>, or <C> interface may be implemented in various modifications such as adding another area of additional functions.

Hereinafter, the prepaid charging payment method implemented in the above-mentioned prepaid charging payment system will be described in detail.

4 is a flow chart for explaining a prepaid charging payment method according to an embodiment of the present invention.

Referring to Figure 4, in the prepaid charge payment method according to an embodiment of the present invention, first, the mother terminal 200 and the child terminal 300 is a code (for example, the customer of the child terminal 300) Number), the devices are interlocked with each other (S110). Through this, the mother terminal 200 and the child terminal 300 may be interconnected and synchronized.

Although not clearly illustrated in the drawings, the mother terminal 200 may be connected to a plurality of child terminals 300. For reference, the mother terminal 200 may perform steps S130 to S170, which will be described later, for each child terminal 300, respectively.

Subsequently, the mother terminal 200 transmits a cache charging request to the platform server 100 and pays the corresponding amount (S120). The mother terminal 200 may charge the cache using various payment methods provided by the platform server 100.

For example, the mother terminal 200 may use payment services such as card payment, bankbook transfer, bank transfer, and point payment. In addition, the mother terminal 200 may use a function to automatically charge the same amount on a regular basis.

Subsequently, when the payment for the cache charging requested by the mother terminal 200 is made, the platform server 100 charges the cache corresponding to the paid amount into the account of the mother terminal 200 (S125). The charged cache is displayed on the interface of the mother terminal 200.

Subsequently, the mother terminal 200 provides a cache to the child terminal 300 that is interlocked in advance (S130). At this time, the mother terminal 200 sets the available destination and the charging cache amount that the child terminal 300 can use (S135).

Here, the use destination includes a plurality of merchants that the child terminal 300 can use within the charging cache amount.

The mother terminal 200 may be directly selected by selecting a destination.

In addition, the mother terminal 200 may designate an affiliated store located within a certain radius based on a specific location as a user destination. At this time, when the mother terminal 200 sets a specific location and a reference distance, the platform server 100 may automatically set an affiliated store included within a predetermined distance based on the specific location as a user destination. Additional description thereof will be described later with reference to FIG. 11.

In addition, the mother terminal 200 may set a specific area (eg, Bangbae-dong, Guwol-dong, etc.) and automatically designate an affiliated store located within a specific area as a user destination.

However, this is only a few embodiments, and a method of designating and allocating a usage destination can be implemented in various ways.

Meanwhile, the mother terminal 200 may set the charging cache amount for each set use place. At this time, the charging cache amount may be set differently for each user. In addition, the charging cache amount is allocated to the classification and category of the destination, and the cache charged in the same classification and category can be set to be available. However, this is only an example, and the present invention is not limited thereto.

Subsequently, the child terminal 300 may use the service of the corresponding user within the charged cash amount of the user. At this time, the child terminal 300 may pay the cache corresponding to the service provided by the user at the merchant terminal 400 (S140, S150).

At this time, the user of the child terminal 300 can use all the services provided by the merchant, such as sales and purchase of goods, repair, beauty, etc. by using the charged cache as cash.

The user (ie, child) of the child terminal 300 may use the charged cache as pocket money. The child terminal 300 may induce the child to use the pocket money intentionally by displaying the usage history and statistics of the cache and the status of the remaining cache.

In addition, since the charged cache can be used only at a parent-designated use place, the present invention can prevent children from using the allowance given by the parent for purposes other than the parent intended.

In addition, in order to use the allowance, children must visit only the place designated by the parent, so the radius of activity of the children is specified. Therefore, the present invention can limit the children's activity radius to the parent's designated use place, thereby improving children's safety. In addition, parents' anxiety can be reduced because parents can predict children's movements.

Subsequently, payment details paid to the merchant terminal 400 in the child terminal 300 are immediately transmitted to the platform server 100 and stored (S145, S155).

Subsequently, the paid cache details are accumulated in the database of the platform server 100 (S160).

Meanwhile, the parent may query and manage the usage status of the cache used in the child terminal 300 through the mother terminal 200 (S170). For example, parents can guide a method of properly using pocket money after examining the process of children using pocket money through the mother terminal 200. In addition, if you want to give your child extra pocket money, you can adjust the amount of children's available cache through additional charging.

That is, the present invention can improve the habit of using children's pocket money by providing the parents with a guide of the children's pocket money usage method by providing the parents with the child's pocket money usage status.

Subsequently, the affiliate store may transmit a settlement request for the payment cache to the platform server 100 through the affiliate store terminal 400 (S180).

Subsequently, when a settlement request is received from the merchant terminal 400, the platform server 100 pays the cash for the accumulated cumulative cache to the account of the merchant terminal 400 (S190). Such settlement may be performed on a regular basis, and may be performed irregularly at a time point desired by the merchant terminal 400.

Hereinafter, a specific example of the interface provided to the mother terminal 200 will be described with reference to FIGS. 5 to 8.

FIG. 5 is a view for specifically describing the interface of the mother terminal of FIG. 4.

Referring to FIG. 5, <A1> represents the basic screen of the mother interface displayed on the mother terminal 200, and <A2> represents the screen that is changed when the menu button of the mother interface is touched.

Here, since the detailed description of <A1> has been described based on <A> in FIG. 3, redundant contents will be omitted.

Referring to <A2>, the personal menu interface is divided into a plurality of areas to display various information.

Specifically, the MM1 area represents the title area. The MM1 area can display the name, photo, and login status of a logged-in user.

The MM2 area indicates cache details. The MM2 area indicates a cache pre-filled in the user account.

The MM3 area shows the detailed setting menu. The detailed setting menu may be configured as an application setting for a child, a cache charging, and a setting menu.

In the'application setting for the child', the password for the child terminal 300 is input to the merchant terminal 400 when the cache is set, the one-time payment limit setting of the cache, and information about the customer number of the child terminal 300 to provide.

In'Cash Recharge', you can select your payment amount and payment method to recharge your account with your account. At this time, when the cache is charged, the user can set the cache to be automatically charged regularly. Payment methods include card payment, bankbook deposit, and point payment.

In the'Settings menu', you can choose whether to enable payment notifications or notification pushes.

The MM4 area shows a menu for prepaid transactions. MM4 area is a tab to check the list of merchants that have prepaid recharging, a tab to inquire transaction details for cache recharging, and to retrieve information about the child's consumption pattern by querying the history of payment in the child terminal 300. It can include tabs.

The MM5 area represents a menu related to payment. The MM5 area may include a card information management tab for registering credit card information required for recharging the cache, and a tab for issuing a dedicated account used for payment.

The MM6 area represents the menu for the community. The MM6 area may include a tab for moving to a bulletin board for announcements or events.

However, some of the plurality of regions included in the interface of <A2> described above may be omitted and implemented. In addition, the interface of <A2> can be implemented in various modifications such as adding another area of additional functions.

FIG. 6 is a diagram for explaining a method of interworking between a mother terminal and a child terminal of FIG. 4.

Referring to FIG. 6, <A31> shows a screen displayed on the mother terminal 200 when the user touches'set application for child'. At this time, <A31> represents a screen displayed while the mother terminal 200 is not interlocked with the child terminal 300.

Meanwhile, <A32> represents a screen displayed when the mother terminal 200 is interlocked with the child terminal 300. Although not clearly shown in the drawings, the user can link the mother terminal 200 with the child terminal 300 by entering the phone number or unique code of the mother terminal 200 in the child terminal 300. have. This is because it is convenient for parents to interwork with the mother terminal 200 in the initial setting process of the child terminal 300 on behalf of the child whose device operation is immature.

<A32> indicates the interlocking date with the child terminal 300 and the customer number of the child terminal 300. In addition, a payment password setting and a location confirmation button of the child terminal 300 may be provided.

Here, the payment password means a password that is used when the child uses the service using the cache charged at the merchant. By requesting a password for each payment of the cache, it is possible to prevent the charged cache from being stolen when the child terminal 300 is lost.

<A33> shows a screen that is switched when the payment password setting is touched. In <A33>, the user terminal 300 may change the password required for the payment of the cache.

7 is a view for explaining the cache charging method of the mother terminal of FIG. 4.

Referring to FIG. 7, <A41> shows a screen displayed on the mother terminal 200 when the user touches'cash charging'.

In <A41>, the user can select various charging amounts. At this time, as the larger amount is charged, the additionally paid cache may be increased. However, this is only an example, and the form for the charging amount may be implemented in various modifications.

Subsequently, <A42> shows a screen that is switched when the user selects a charging amount. In <A42>, the user can select various payment methods. For example, the user may select credit or check card payment, bankbook deposit, point payment, and the like. However, various payment methods may be supported in addition to these payment methods.

Based on the information selected in <A42>, the platform server 100 may perform a payment operation through communication with a server of a bank company, a card company, or a PG company.

FIG. 8 is a view for explaining the usage and charging cache amount set in the mother terminal of FIG. 4.

Referring to FIG. 8, <A51> represents a screen displayed on the mother terminal 200 when the user touches the'merchant list'.

<A51> may display a list of merchants preset in the mother terminal 200. The list of affiliated stores shows the available destinations in the current child terminal 300 and the cache charged in each destination.

At this time, <A51> may include summary information for each merchant. The summary information may include a merchant name, a merchant category (category), a charged cash balance, and a last transaction date.

At this time, the list of affiliated stores may be displayed in a small or large order. The sorting method can be arbitrarily set by the user.

Although not clearly illustrated in the drawing, when the mother terminal 200 is connected to the plurality of child terminals 300, a screen for selecting any one of the plurality of child terminals 300 may be added. In this case, the user of the mother terminal 200 may query the list of affiliated stores for the selected child terminal 300.

For reference, when the mother terminal 200 is connected to a plurality of child terminals 300, in <A51>, a list of affiliated stores for each child terminal 300 may be displayed separately.

<A52> is a screen that appears when a user selects a specific affiliate store from a list of affiliate stores. <A52> contains detailed information about the merchant.

For example, <A52> provides information about the name, representative image, cumulative number of transactions, number of customers, number of referrals, minimum prepayment, location, opening hours, holiday, address, introduction, ongoing events, phone number, etc. It can contain. However, this is only an example, and the present invention is not limited thereto.

9 is a view for explaining a payment method between a child terminal and a merchant terminal according to an embodiment of the present invention. Hereinafter, an example in which a child performs payment at a specific affiliate store (for example, an alpha phrase) using the child terminal 300 will be described.

Referring to FIG. 9, a child may select “pay” of an affiliate store that he/she wants to make a payment from <P11> displayed on the child terminal 300. The payment request of the child terminal 300 is transmitted to the platform server 100.

Subsequently, the platform server 100 generates an order number and a payment code (eg, QR code) and provides it to the child terminal 300. At this time, the payment code is not limited to a QR code, and can be implemented in various forms.

Subsequently, the <P12> screen of the payment code received from the platform server 100 is displayed on the child terminal 300. For example, the <P12> screen displayed on the child terminal 300 includes a payment target merchant, an order number, a QR code received from the platform server 100, and a time limit for payment.

Subsequently, the affiliate store owner scans the QR code displayed on the child terminal 300 using the affiliate store terminal 400. Subsequently, the QR code scanned by the merchant terminal 400 is delivered to the platform server 100, and the platform server 100 verifies the validity of the delivered QR code and then sends a payment confirmation request to the child terminal 300. do.

Subsequently, the <P13> screen for payment confirmation is displayed on the child terminal 300. The user (that is, the child) of the child terminal 300 can check the payment amount and balance displayed in <P13>, and if there is no abnormality, press the'Payment' button.

Subsequently, when the'Payment' button is input, a screen for inputting a password for payment security and theft prevention is displayed on the child terminal 300.

Subsequently, the platform server 100 receives the password input on the <P14> screen of the child terminal 300, and compares the received password with a preset password in the mother terminal 200.

Subsequently, when the received password and the preset password match, the platform server 100 approves the payment and delivers the payment completion message to the child terminal 300 and the merchant terminal 400.

Subsequently, the <P15> screen indicating payment completion is displayed on the child terminal 300, and payment is ended. Subsequently, the platform server 100 stores payment details and updates and stores the changed amount of cache after payment.

That is, the payment method shown in FIG. 9 indicates that payment is approved by directly inputting the payment password preset in the mother terminal 200 into the child terminal 300.

The payment method described above can prevent the cache from being stolen indiscriminately even when the child terminal 300 is lost. In addition, since the child can immediately perform a cash payment at the merchant when entering the password, the speed of payment can be increased.

10 is a view for explaining a payment method between a child terminal and a merchant terminal according to another embodiment of the present invention. As in FIG. 9, the following description will be given as an example in which the child performs payment at a specific affiliated store (for example, an alpha phrase) using the child terminal 300.

Referring to FIG. 10, a child may select “pay” of a merchant who wants to make a payment from <P21> displayed on the child terminal 300. The payment request of the child terminal 300 is transmitted to the platform server 100.

Subsequently, the platform server 100 generates an order number and a payment code (eg, QR code) and provides it to the child terminal 300. At this time, the payment code is not limited to a QR code, and can be implemented in various forms.

Subsequently, the <P22> screen including the payment code received from the platform server 100 is displayed on the child terminal 300.

Subsequently, the affiliate store owner scans the QR code displayed on the child terminal 300 using the affiliate store terminal 400.

Subsequently, the QR code scanned by the merchant terminal 400 is delivered to the platform server 100, and the platform server 100 verifies the validity of the delivered QR code and then sends a payment confirmation request to the mother terminal 200. do.

Subsequently, the <P23> screen for payment confirmation is displayed on the mother terminal 200. The user (that is, the parent) of the platform server 100 can check the payment amount and balance displayed in <P23>, and if there are no abnormalities, the user may press the'pay' button.

Subsequently, when the'Payment' button is touched, a <P24> screen for inputting a password for security of payment and prevention of theft is displayed on the mother terminal 200.

Subsequently, the platform server 100 receives the password input on the <P24> screen of the mother terminal 200. Subsequently, the received password is compared with a preset password in the mother terminal 200.

Subsequently, when the received password and the preset password match, the platform server 100 approves the payment and delivers the payment completion message to the mother terminal 200, the child terminal 300, and the merchant terminal 400. .

Subsequently, <P25> and <P26> screens indicating payment completion are displayed on the mother terminal 200 and the child terminal 300, respectively, and payment is ended. Subsequently, the platform server 100 stores payment details and updates and stores the changed amount of cache after payment.

That is, the payment method illustrated in FIG. 10 represents a method in which payment is completed by approving payment by the mother terminal 200 for a payment request from the child terminal 300.

The payment method described above can prevent the cache from being stolen indiscriminately even when the child terminal 300 is lost. In addition, parents can check for what purpose the child uses the cache, so that the child's pocket money management may be easier.

For reference, the payment method according to another embodiment may be performed by omitting the step <P24> of receiving a password from the mother terminal 200. At this time, the mother terminal 200 may approve the payment simply by pressing the payment confirmation button.

The above-described payment methods of FIGS. 9 and 10 can be freely selected by changing the settings in the mother terminal 200. Through this, the present invention can satisfy the needs of various users by providing various prepaid charging payment methods.

11 is a schematic diagram for explaining a prepaid charging payment method according to another embodiment of the present invention.

Referring to FIG. 11, in a prepaid charging payment method according to another embodiment, the mother terminal 200 is configured to set a destination for the child terminal 300 (eg, step S135 of FIG. 4 ). , Instead of setting each of the plurality of affiliated stores as a destination, a specific point P1 can be designated.

The mother terminal 200 may set a specific point P1 and a predetermined distance D.

In this case, the platform server 100 may generate a list of affiliated stores by automatically setting affiliated stores within a predetermined distance (D) around a specific point P1 designated by the mother terminal 200 as a destination. The generated merchant list is delivered to the mother terminal 200. The mother terminal 200 may set the amount of money that can be used in the added merchant list, respectively.

At this time, although not clearly shown in the drawings, the mother terminal 200 may set the usage level (ie, the charging cache amount) for each category (or category) of each affiliated store.

For example, the mother terminal 200 may set the usage level available to the child terminal 300 to 30,000 won in the classification of'phrase history'. In this case, the child terminal 300 can be freely used within the range of 30,000 won, which is used by'phrase A'and'phrase B'belonging to the user.

In summary, in another embodiment of the present invention, a user can collectively select a plurality of affiliated stores as a destination by setting a specific point and a predetermined radius. In addition, the user can freely use a plurality of affiliated stores belonging to the same classification within the'classified usage degree' by setting the usage degree for each category or category of the affiliated shop belonging to the destination (that is, the classification usage degree).

Such a prepaid charging payment method can reduce the inconvenience that a user has to individually set the use location and usage degree of the child terminal 300 for each merchant.

12 is a flowchart for explaining a prepaid charging payment method according to another embodiment of the present invention. The method of FIG. 12 is substantially the same as the prepaid charging payment method described with reference to FIG. 4. Hereinafter, differences from the method of FIG. 4 will be mainly described, and overlapping contents will be omitted and described.

Referring to FIG. 12, in the prepaid charging method according to another embodiment of the present invention, the mother terminal 200 and the child terminal 300 are coded (for example, a customer number of the child terminal 300). ), thereby interworking devices with each other (S210).

Subsequently, the mother terminal 200 transmits a cache charging request to the platform server 100 and pays the corresponding amount (S220).

Subsequently, when payment for the cache charging requested by the mother terminal 200 is made, the platform server 100 charges the cache corresponding to the paid amount into the account of the mother terminal 200 (S225).

Subsequently, the mother terminal 200 provides a cache to the child terminal 300 that is interlocked in advance (S230). At this time, the mother terminal 200 sets the available destination and the charging cache amount that the child terminal 300 can use (S235).

Subsequently, the child terminal 300 may use the service of the corresponding user within the charged cash amount of the user. At this time, the child terminal 300 may pay the cache corresponding to the provided service at the merchant terminal 400 and use the corresponding service (S240).

Subsequently, payment details paid to the merchant terminal 400 in the child terminal 300 are immediately transmitted to the platform server 100 and stored (S245).

On the other hand, the mother terminal 200 may use the service of the corresponding destination within the charged cash amount. That is, like the terminal 300 for a child, the terminal 200 for a mother may make a payment to the merchant terminal 400 for a cache corresponding to a service provided by the user (S250).

Similarly, the cache details paid by the merchant terminal 400 are accumulated and stored in the database of the platform server 100 (S260).

Meanwhile, the parent may query and manage the usage status of the cache used in the child terminal 300 through the mother terminal 200 (S270). For example, parents can guide a method of properly using pocket money after examining the process of children using pocket money through the mother terminal 200. In addition, if you want to give your child extra pocket money, you can adjust the amount of children's available cache through additional charging.

That is, the present invention can improve the habit of using children's pocket money by providing the parents with a guide of the children's pocket money usage method by providing the parents with the child's pocket money usage status.

Subsequently, the affiliate store may transmit a settlement request for the payment cache to the platform server 100 through the affiliate store terminal 400 (S280).

Subsequently, when a settlement request is received from the merchant terminal 400, the platform server 100 pays cash for the accumulated cumulative cache to the account of the merchant terminal 400 (S290). Such settlement may be performed on a regular basis, and may be performed irregularly at a time point desired by the merchant terminal 400.

Through this, the present invention induces the user to precharge the cache, and uses the charged cache in the corresponding merchant. Through this, the present invention can induce sales growth of platform merchants.

In addition, as the number of merchants expecting to increase sales increases, the usability of the user using the prepaid charging payment platform of the present invention may be improved.

In addition, by using the pre-charging and settlement methods of the cache, the present invention can improve the convenience of payment for both consumers (ie, parents and children) and merchants.

The prepaid charging payment method and system described above is not limited to the configuration and method of the above-described embodiments, and the above-described embodiments may be selectively partially or partially of each embodiment so that various modifications can be made. It may be configured in combination.

Although the embodiments of the present invention have been described with reference to the accompanying drawings, those skilled in the art to which the present invention pertains may be implemented in other specific forms without changing the technical spirit or essential features of the present invention. You will understand. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive.

100: platform server 200: mother terminal
300: child terminal 400: merchant terminal

Claims (11)

In the prepaid charging payment method performed on the platform server to communicate with the mother terminal, the child terminal, and the merchant terminal,
The mother terminal and the child terminal are interlocked using a customer number;
A step in which a cache corresponding to the amount paid by the mother terminal is charged to the account of the mother terminal;
Receiving a use destination available to the child terminal set in the mother terminal and a charge cache amount for the use destination;
Receiving a cache payment request for the merchant terminal included in the user terminal from the child terminal, and performing a requested payment within the charge cache amount; And
Comprising the payment and settlement of the amount corresponding to the accumulated cache, and comprising the step of paying to the account of the merchant terminal,
The step of receiving the charge cache amount for the user and the destination,
Receiving information on a specific point from the mother terminal and information on a predetermined distance from the specific point;
Generating a list of affiliated stores by automatically setting a plurality of the affiliated terminals included within the predetermined distance to the user, based on the specific point;
Passing the generated list of affiliated stores to the mother terminal;
Receiving the charging cache amount set for each industry or category of the merchant terminal from the mother terminal;
Among the affiliated stores belonging to the industry or category selected by the mother terminal, the child terminal displays one or more affiliated stores corresponding to the type or category in which the charging cache amount is charged, within a predetermined distance based on the specific point. Including the steps,
The platform server,
On the screen of the mother terminal, a usage statistics area displaying statistical data on the monthly usage status and consumption pattern of the mother terminal, and a plurality of affiliated stores are displayed on the divided areas and other affiliated stores prepaid through a slide. Display the prepaid charging list area that can be viewed and the customer number area where the customer number is displayed.
In the prepaid charging list area, the prepaid charged merchants are arranged so that the charging cache amount is exposed from the lowest merchant.
In the customer number area, when the mother terminal and the child terminal are interlocked, the color is displayed to be changed.
The step of performing the payment,
Generating and displaying a payment code in the child terminal, generating payment information based on the payment code in the merchant terminal, and transmitting the payment information to the child terminal; and a payment password input from the child terminal. A first payment method including a step in which payment of the cache is performed when the payment password is matched with the pre-entered payment password;
Generating and displaying a payment code in the child terminal, generating payment information based on the payment code in the merchant terminal, and transmitting the payment information to the mother terminal, and information about payment confirmation in the mother terminal. If the input includes a second payment method comprising the step of performing the payment of the cache,
One of the first and second payment methods is selected from the mother terminal, and payment is performed through the selected payment method. The payment method may be changed through the mother terminal.
Prepaid charging method.
delete delete According to claim 1,
The charge cache amount is set within the range of the cache pre-charged in the account of the mother terminal,
The cache includes a cryptocurrency based on blockchain technology constituting a network through mutual verification through a decentralized ledger,
The platform server is based on a blockchain, using a module for generating a unique electronic wallet for each of the mother terminal and the child terminal to link the charged cache, and a module for encrypting and decrypting the cryptocurrency. Traffic and performing the operation to manage the electronic wallet
Prepaid charging method.
According to claim 1,
The step of receiving the charge cache amount for the user and the destination,
When a plurality of merchants are selected directly from the mother terminal, prepaid charging payment method comprising receiving information about the merchant terminal included in the plurality of merchants.
The method of claim 5,
The step of receiving the charge cache amount for the user and the destination,
A plurality of merchants are set as the destination, and the prepaid charging payment method comprising setting the different amount of the charging cache for each of the merchants.
According to claim 1,
The charging cash amount is deducted each time the child terminal pays the cache to the merchant terminal, and the prepaid charging payment method is recharged every predetermined period according to the setting of the mother terminal.
delete delete According to claim 1,
The step of being interlocked using the customer number,
Displaying the customer number provided by the platform server on the child terminal;
Receiving an input for the customer number from the mother terminal;
And setting an authority to access the account of the child terminal to the account of the mother terminal,
The platform server further comprising the step of providing a cache usage history for the child terminal to the mother terminal.
delete

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