KR102312600B1 - Method for emergency proxy payment using an emergency proxy payment process server and emergency proxy payment system using the same - Google Patents

Abstract

According to the present invention, in the payment method in lieu of an emergency using a payment processing server instead of an emergency, receiving a payment request on behalf of a buyer related to an emergency from a seller, determining whether a payment condition is satisfied instead of an emergency in the payment processing server instead of an emergency; and instead of requesting payment from a payer instead of a payer based on the payment information, it is possible to provide a payment method instead of an emergency.

Description

A payment method instead of an emergency using a payment processing server instead of an emergency and a payment system instead of an emergency using the same

The present invention relates to a payment method in lieu of an emergency using a payment processing server instead of an emergency, and a payment system in lieu of an emergency using the same. More specifically, it relates to a method and system for enabling payment on behalf of a payer at the request of a seller without a buyer's action under certain conditions in an emergency or disaster situation.

In the past, the payment method developed in the era of wired communication technology is a seller-centered payment method, and the buyer specifies the payment method first, and the buyer information is delivered to the seller. In this case, there is a problem that the risk of exposure of buyer information increases, and a mismatch between the payment information flow and the cash flow occurs in preparation for a normal transaction.

Reverse payment, which solves this problem, is a method of delivering seller information to a buyer by developing into a wireless mobile payment method due to the recent development of wireless communication technology and the spread of mobile devices. At this time, the risk of exposure of buyer information is reduced, and payment information flow and cash flow coincide with normal transactions, that is, the buyer receives payment-related information and executes the funds after confirmation.

In such reverse payment, if the buyer lacks the ability to directly pay, it is necessary to perform the payment through the payer instead of preset. In particular, in emergency situations, patients are often unable to directly pay because they are unconscious or not in good health, and it is difficult for the hospital to determine the patient's financial condition in advance, making it difficult to provide immediate treatment. do.

Accordingly, there is a need for a method for performing a payment instead of a preset payment relationship in lieu of an emergency in case of such an emergency or disaster situation.

Republic of Korea Patent Publication No. 10-1192826

An object of the present invention is to provide a method and system that can more conveniently process payment in lieu of an emergency or disaster within a range that satisfies a preset payment condition instead of an emergency.

In addition, the present invention provides a payment method and system instead of an emergency that enables rapid action and treatment of the hospital by quickly identifying the patient's financial situation/environment in case of an emergency in a medical facility such as a hospital and quickly making a payment instead. intended to provide

In addition, the present invention implements payment for management subjects that can be used by the government or related local governments (local governments) in relation to the purchase of medical services or goods necessary for the socially vulnerable class or disaster victims in a disaster situation, so that welfare blind spots or It aims to provide a payment method and system instead of bridging the information gap and enabling active administrative services from the consumer's point of view.

In addition, an object of the present invention is to implement a system in which the payment is integrated in a multi-layered structure instead of the public and private areas to provide support for families separately, governments, and local governments as a public-private integrated system.

The problems to be solved of the present invention are not limited to the above-mentioned contents, and other technical problems not mentioned will be clearly understood by those skilled in the art from the following description.

According to an embodiment of the present invention, there is provided a payment method instead of an emergency using a payment processing server instead of an emergency, the method comprising: receiving a payment request on behalf of a buyer related to a buyer from a seller; determining, in the payment processing server instead of emergency, whether payment conditions are satisfied instead of emergency; and instead of requesting payment from a payer instead of a payer based on the payment information, it is possible to provide a payment method instead of an emergency.

In addition, in the determining whether the payment condition is satisfied instead of the emergency, it may be determined whether the payment condition is satisfied instead of the emergency based on at least one of the seller's business type, purchase history, and payment amount.

In addition, the step of receiving the payment request instead of the emergency may not be accompanied by a payment request from the purchaser.

In addition, based on the identification information of the purchaser received from the seller, it may be possible to check whether the purchaser is subject to payment in lieu of an emergency.

In addition, transmitting the buyer information and payment information to the terminal of the payer instead of the above; and receiving payment consent on behalf of the payer from the payer's terminal instead of the payer's emergency.

In addition, in the step of determining whether the payment condition is satisfied instead of the emergency, in relation to the purchaser, instead of including at least one of a government, a local government, an association, a foundation, and a donation group, it is checked whether payment is possible instead of a priority by the payer to do; and confirming whether payment is possible in lieu of a subordinate order by the payer instead of previously registered through relationship setting with the purchaser.

According to another embodiment of the present invention, in an emergency payment system including a payment processing server in lieu of an emergency, the payment processing server in lieu of an emergency is provided between a buyer and a payer instead of a payment bearer so that payment can be performed instead of an emergency. an emergency payment setting unit for establishing a payment relationship instead of an emergency; and after receiving the payment request on behalf of the buyer related to the buyer from the seller, processing approval of the payment on behalf of the emergency based on whether the payment condition on behalf of the emergency is satisfied, and requesting the payment on behalf of the payer based on the payment information instead It is possible to provide a payment system in lieu of an emergency comprising an authorization processing unit configured to:

Also, in order to determine whether the payment condition is satisfied instead of the emergency, the approval processing unit may determine whether the payment condition is satisfied instead of the emergency based on at least one of the seller's business type, purchase history, and payment amount.

In addition, the reception of the payment request instead of the emergency may not be accompanied by the payment request from the purchaser.

In addition, based on the identification information of the purchaser received from the seller through the payment setting unit in lieu of the emergency, it may be possible to check whether the purchaser is a target for payment setting instead of an emergency.

In addition, the device may further include a payment information notification unit for transmitting purchaser information and payment information to the payer's terminal instead, and the approval processing unit may be configured to receive payment consent on behalf of the payer from the payer's terminal instead of the payer's emergency. .

In addition, the priority processing unit further comprises a priority processing unit configured to process payment priorities of a plurality of payers on behalf of the purchaser, wherein the priority processing unit includes at least one of a government, a local government, an association, a foundation, and a donation organization in relation to the purchaser Instead, it may be configured to check whether payment is possible instead of a priority by the payer, and to check whether payment is possible instead of a sub-priority by the payer instead of pre-registered through relationship setting with the purchaser.

Advantageous Effects of Invention According to the present invention, it is possible to provide a method and system capable of more conveniently processing payment in lieu of an emergency or a disaster within a range that satisfies a preset payment condition instead of an emergency.

In addition, according to the present invention, an emergency payment method that enables rapid action and treatment of a hospital by quickly grasping the patient's financial situation/environment in an emergency situation in a medical facility such as a hospital and promptly making a payment instead, and system can be provided.

In addition, according to the present invention, by implementing payment for the management target that can be used by the government or related local governments (local governments) in relation to the purchase of medical services or goods necessary for the socially vulnerable class or disaster victims in a disaster situation, the welfare blind spot Instead of bridging the rent or information gap and enabling active administrative services from the consumer's point of view, a payment method and system can be provided.

In addition, according to the present invention, it is possible to implement a public-private integrated system in which the payment is integrated in a multi-layered structure instead of the public and private areas, so that the existing family separately, the government, and the local government are separately supported.

Effects of the present invention are not limited to the above-mentioned contents, and other effects not mentioned will be clearly understood by those skilled in the art from the following description.

1A is a conceptual diagram for explaining a conventional general payment, and FIG. 1B is a conceptual diagram for explaining a payment concept instead.
2 is a conceptual diagram for explaining the concept of payment instead of emergency according to an embodiment of the present invention.
3 is a block diagram illustrating a configuration of a payment processing system instead of an emergency instead of an emergency according to an embodiment of the present invention.
4 is a block diagram illustrating the configuration of a payment processing server instead of an emergency according to an embodiment of the present invention.
5 is an exemplary diagram for explaining a payment processing method instead of an emergency according to an embodiment of the present invention.
6 is an exemplary diagram for explaining a payment processing system instead of an emergency utilized by a government local government according to another embodiment of the present invention.
7 is an exemplary diagram for explaining a payment processing system instead of an emergency having a multi-layer structure according to another embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings, the present invention will be described in detail so that those of ordinary skill in the art can easily carry out the present invention. However, the present invention may be embodied in many different forms and is not limited to the embodiments described herein.

The terminology used herein is for the purpose of describing the embodiments and is not intended to limit the present invention. As used herein, the singular also includes the plural unless specifically stated otherwise in the phrase.

As used herein, “comprises”, “comprising” refers to the presence or absence of one or more other components, steps, operations and/or elements mentioned addition is not excluded.

In addition, terms including ordinal numbers such as first, second, etc. used in the present invention may be used to describe the components, but the components should not be limited by the terms. These terms are used only for the purpose of distinguishing one component from another. In addition, in the description of the present invention, if it is determined that a detailed description of a related known technology may obscure the gist of the present invention, the detailed description thereof will be omitted.

In addition, the components shown in the embodiment of the present invention are shown independently to represent different characteristic functions, and it does not mean that each component is composed of separate hardware or a single software component. That is, each component is listed as each component for convenience of description, and at least two components of each component are combined to form one component, or one component can be divided into a plurality of components to perform a function. Integrated embodiments and separate embodiments of each of these components are also included in the scope of the present invention without departing from the essence of the present invention.

Hereinafter, an embodiment according to the present invention will be described in detail with reference to the accompanying drawings. The configuration of the present invention and the effects thereof will be clearly understood through the following detailed description.

1A is a conceptual diagram for explaining a conventional general payment. For example, referring to FIG. 1A , the conventional general payment is, for example, in the hospital 11, which can be a seller, when the patient 12, who is a purchaser, needs to pay in exchange for medical services, etc. in the hospital 11 to the patient 12 A payment request is made to the patient, and in general, the patient 12 directly proceeds with the payment through the payment means of the patient 12 .

1B is a conceptual diagram for explaining a payment concept instead. For example, referring to FIG. 1B , when the hospital 11 requests payment from the patient 12 , the patient 12 is not in a good condition or it is difficult to directly pay the patient 12 in an emergency situation. In this case, the patient 12 may request, for example, the patient's son 13 to make payment on behalf of the patient, and instead, the payment relationship may be preset in advance. If such a payment relationship is used instead, the son 13 of the patient, who is the payer, can pay instead of the patient 12 who is the buyer, according to the payment request of the hospital 11, the seller, but especially in emergency or disaster situations. In the case of the same emergency situation, even if the action of the patient 12, the buyer, is not accompanied, a method of triggering payment instead of an emergency by the payment request of the hospital 11 as the seller based on the payment relationship instead of set in advance; and A system is required, and a specific configuration related thereto will be described later with reference to FIG. 2 .

2 is a conceptual diagram for explaining the concept of payment instead of emergency according to an embodiment of the present invention.

For example, in an emergency situation such as an emergency situation or a disaster situation, it is often difficult for the patient 12 who is a purchaser or service consumer to take an action related to payment. Therefore, the buyer bypasses the buyer 12 without accompanying the action of the buyer, the patient 12, in the hospital 11 as the seller using the payment relationship instead of the emergency set in advance without the payment-related action of the patient 12 as the buyer. A payment may be requested on behalf of the son 13 of the patient who is the payer.

In this case, as a condition for triggering payment instead of emergency, a specific seller, the seller's industry, the type of purchase history, the limit of the payment amount, etc. may be set in advance and limited, for example, the hospital fee paid by the seller in the hospital industry is limited to 1,000 A son can set up payment in lieu of emergency for his father up to 10,000 won, or he can make payment in lieu of emergency only for items that are paid for at a designated hospital or store/mart. Accordingly, when a seller of another industry in which payment on behalf of emergency is not allowed or a seller who is not designated in advance requests payment on behalf of emergency, payment may be set to be rejected instead of emergency.

When a payment request is transferred from the seller to the payer on behalf of the seller through a detour route that bypasses the buyer, the buyer information may be transferred together with the payment information to the payer instead. Accordingly, instead, the payer may check the target of the purchaser who needs payment on his/her behalf, and may transmit, to the server, an intention to agree to accept the payment instead based on the payment information. In this way, not only the manual payment method in which the payer proceeds with the payment after checking the buyer information and payment information, but also the automatic payment method in which the payment proceeds automatically without the payer’s approval process each time if the pre-set conditions for payment are satisfied instead of an emergency can also be processed with

By using such payment instead of emergency, medical facilities such as hospitals can quickly identify the patient's financial situation/environment in case of an emergency and make payment instead, so that the hospital can perform prompt action and treatment. Methods and systems can be provided.

3 is a block diagram illustrating the configuration of a payment processing system instead of an emergency according to an embodiment of the present invention.

Referring to FIG. 1 , the payment system instead of an emergency is an emergency payment processing server 100 , a merchant terminal 200 , for example, a payment company server A 310 and a payment company B server 320 for processing payment instead of an emergency. A payment company server 300 including Instead of (310, 320), the payer terminal 400 may be connected to each other through a wired/wireless communication network to communicate. Here, the merchant terminal 200 and the payer terminal 400 instead are, for example, a smart phone, a tablet computer, a desktop computer, a laptop computer, a notebook computer, a workstation, Personal Digital Assistants (PDA), portable computers, wireless phones, mobile phones, e-books, portable multimedia players (PMPs), portable game consoles, navigation device, black box, digital camera, television, wearable device, voice recognition speaker, smart speaker, AI (artificial intelligence) speaker, limited to these doesn't happen

Here, the seller sells services or goods and collects payment, and in the case of medical services, it may be a hospital, and in the case of medical services, the buyer is a person who purchases services or goods, and in the case of medical services, it may be a patient. Instead, the payer may be a target that bears the payment for the purchaser's purchase on behalf of the patient and may be a target with a pre-established relationship such as the patient's family, relatives, or friends, or a support organization such as the government, local government, or donation organization.

The payment processing server 100 instead of an emergency receives a payment request on behalf of the buyer related to the emergency from the seller terminal 200, determines whether the payment condition is satisfied instead of the emergency, and instead of the payer terminal based on the payment information based on the payment information may be configured to request payment to 400 . Here, the determination of whether the payment condition is satisfied instead of the emergency may be determined based on at least one of the seller's business type, purchase history, and payment amount. Here, the configuration of receiving a payment request instead of an emergency from the seller terminal 200 may proceed as a buyer bypass path that does not involve a buyer action such as a payment request from the buyer.

In addition, based on the identification information of the purchaser received from the seller terminal 200, it may be possible to check whether the purchaser's payment is set in lieu of an emergency. For example, based on any one of the purchaser's resident registration number, mobile phone number, fingerprint, vein, iris information including biometric information input through the seller terminal 200, and payment related ID information instead of emergency, payment service is set It is possible to determine whether or not Therefore, the seller can check whether the buyer is eligible for payment in lieu of an emergency before payment in lieu of emergency, through the input of the buyer's identification information, and automatically based on the buyer's setting information through the input of the buyer's identification information Instead, you can let the payment process proceed.

In addition, the payment company server 300 may include all servers that process payments in various ways, such as a credit card company payment server, a financial company payment server, an insurance company payment server, a telecommunication company payment server, a point payment server, and a simple payment server.

In addition, the final payment may be completed on the basis of the payment agreement instead of the emergency of the payer terminal 400 instead. Instead of delivering the buyer information and payment information to the payer terminal 400 during the payment processing process instead of the emergency, the payer uses the payer 400's terminal instead to pay the consent message to approve the payment instead of the emergency After transmitting to the processing server 100 and receiving the payment consent instead of the payer's emergency, payment may be performed instead of according to the payment setting instead of the emergency.

The payment processing server 100 instead of emergency may operate in connection with payment-related dedicated apps, software programs, etc. installed in the seller terminal 200 and the payer terminal 400 instead of emergency to process payment instead of emergency. . Instead of an emergency, the payment processing server 100 may include a central processing unit (CPU), an application processor (AP), etc., and includes a memory capable of storing commands or data related to at least one other component therein, or The necessary information can be accessed by communicating with a memory unit within the device or, if necessary, an external memory.

In addition, the emergency payment processing server 100 sets the payment period on behalf of the payer, the payment amount per case or the total payment amount within the payment period, the permissible seller, the industry of the allowable seller, etc. , instead, by accepting the payer, it is possible to pre-process the setting of payment instead of emergency. This emergency payment setting is preset based on the request agreement made between the buyer and the payer on behalf of the purchaser, or if the payer is a government or local government instead, it is set as a one-way designation of the payer instead of the buyer without the buyer's request or the payer's consent procedure. It is also possible As such, if there is a condition of payment setting instead of emergency set between the buyer and the payer on behalf of the purchaser, if a payment request is received on behalf of the emergency in the future, it is determined whether the emergency payment condition is satisfied, and instead, according to the choice of the payer, the You can also set it to automatically approve payment without having to receive payment consent.

In addition, the request for payment instead of emergency may be performed as an installment payment process, for example, divided payment and payment in various periods such as 3 month installment, 6 month installment, 12 month installment, etc. may be performed. In addition, by processing the payment amount to be different for each time section, the payment amount burden can be set differently in the initial, middle, and late periods, or the payment amount burden of the payer can be set differently depending on the period instead of being allocated for each time section. .

In this way, after a process related to payment is performed instead of an emergency through the payment processing server 100 instead of an emergency, a payment approval is requested to the corresponding card company server or other payment server, the payment processing is completed, and payment-related information is transmitted to the buyer and Instead, it may be sent to the payer.

4 is a block diagram illustrating the configuration of a payment processing server instead of an emergency according to an embodiment of the present invention.

The payment processing server 100 instead of an emergency may include, for example, a payment setting unit 110 instead of an emergency, an approval processing unit 120, a payment information notification unit 130, a priority processing unit 140, and the like, and these components are It may include a program or program module that may be executed by one or more processors. Here, the program or program modules may be configured in the form of an operating system, an application program, or a program, and may be physically stored on various types of widely used storage devices. Such programs or program modules may include one or more routines, subroutines, programs, objects, components, instructions, data structures, and specific tasks ( task) or may include, but are not limited to, various forms for executing specific data types.

In addition, although not shown in FIG. 4 , the payment processing server 100 instead of an emergency may include a communication unit for performing wired/wireless communication with the payment company server 300 , the payer terminal 400 , the merchant terminal 200 and the like. have.

The payment processing server 100 in lieu of an emergency may include an emergency payment setting unit 110 for establishing a payment relationship instead of an emergency between a buyer and a payer instead of a payer so that payment can be performed instead of an emergency. The seller's emergency payment setting unit 110 also searches for the buyer's emergency payment setting target and emergency instead of emergency payment setting conditions, etc., based on the buyer's identification information received from the seller, and sends the result to the seller terminal 200 can transmit In addition, through the purchaser's identification information input through the seller terminal 200, payment processing may be automatically performed instead of emergency based on the purchaser's setting information.

In addition, after receiving the payment request on behalf of the buyer related to the emergency from the seller, the approval processing unit 120 processes the approval of the payment instead of the emergency based on whether the payment condition is satisfied instead of the emergency, and instead of the payment based on the payment information It may be configured to request payment from a person.

The approval processing unit 120 may determine whether the payment condition is satisfied instead of the emergency based on at least one of the seller's industry type, purchase history, and payment amount in order to determine whether the payment condition is satisfied instead of the emergency, for example, the seller's industry is medical-related In the case of a service industry, payment settings can be processed in advance so that payment is allowed instead of emergency.

Here, when the payment processing server 100 instead of an emergency receives a payment request instead of an emergency from the seller terminal 200, the payment processing may proceed through a buyer bypass path that does not accompany the payment request from the purchaser terminal. Therefore, for example, the patient's son (the payer) through the buyer bypass path without accompanying the action of the buyer, the patient 120, in the hospital that is the seller using the payment relationship instead of the emergency set in advance without the payment-related action of the patient who is the buyer ( 130) to request payment instead.

In addition, the payment information notification unit 130 may be configured to instead transfer the purchaser information and payment information to the payer's terminal in order to obtain the payer's payment consent instead. The approval processing unit 120 may be configured to instead proceed with the payment in response to receiving the payment consent on behalf of the payer from the payer terminal 400 instead of the payer's emergency. In addition, the payment information notification unit 130 may be configured to transmit payment information to the purchaser and the payer terminal on behalf of the purchaser after the payment process is completed in lieu of an emergency.

In addition, the priority processing unit 140 is configured to instead set and process a plurality of settings of the payer according to the payment priority. Instead, when payment is requested on behalf of the payer on behalf of the payer instead of the first-priority emergency due to payment processing, when the payment is impossible or rejected due to exceeding the limit, inability to pay, or the intention to cancel the payment instead of the emergency, instead of the second-priority emergency and set and execute the priority of payment so that the next-order payment is performed by the payer. For example, if there are two payers instead of the buyer set as the payer instead, if the payment is set to payer A instead of the 1st priority and the payment is set to the payer B instead of the 2nd place, the payer of the payment instead of the 1st place When payment on behalf of A is impossible, by setting the ranking so that the payment of the next-ranking payer B proceeds instead, payment errors and inability to settle can be prevented by setting a plurality of payers on behalf of A.

In addition, the government, local governments, associations, foundations, donation organizations, etc., regardless of the mutual relationship setting, set the payer as the payment instead of the seniority, and instead of the subordinate instead of the registered payment based on the relationship setting such as family, relatives, and friends By setting payment as payment, if the buyer (patient) is a target receiving support from the government, local government, association, foundation, donation group, etc., the payment is made in the first place, and if there is insufficient payment amount, the payer is paid instead of registered It can be processed to perform installment payments through

As an example, the government, local governments, associations, etc. designate socially vulnerable groups such as victims of disasters, etc. and assign payment to the payer instead of the institution that performs the payment instead, and assigns payment to the payer instead of the first priority. Instead of a donation-related organization supporting a target satisfied with a category, payment may be assigned to the payer instead of the second priority, and the payer may be assigned as the payment instead of the third priority instead of being registered based on relationship settings such as family, relatives, and friends. In addition, in the case of a special emergency patient designated by the government, local government, etc., the priority processing unit 140 can process the divided payment by sequentially applying the payment instead of the 1st, 2nd, and 3rd priority, and it is a general emergency patient, not a special emergency patient. In the case of , it is not subject to payment in lieu of the 1st and 2nd positions, so it may be processed as payment through the payer instead of the 3rd priority.

5 is an exemplary diagram for explaining a payment processing method instead of an emergency according to an embodiment of the present invention.

First, the seller can check whether the buyer is a payment target in lieu of an emergency based on the buyer identification information. (S510) The seller accesses the payment processing server 100 instead of an emergency through the seller terminal 200 and provides the purchaser's resident registration number, By inquiring a mobile phone number, etc., it is possible to check whether the purchaser is a target for which payment is set instead of an emergency, and a preset payment condition instead of an emergency before a payment request. In addition, by inputting the identification information of the purchaser through the seller terminal 200, the payment request can be automatically processed instead of the emergency based on the setting information of the corresponding purchaser.

An emergency payment request is received from the seller through the seller terminal 200 (S520).

In response to the emergency payment request, the payment processing server 100 may determine whether the emergency payment condition is satisfied, and if the condition is satisfied, the payment process may be performed instead of the emergency through a buyer bypass path. (S530) For example, when conditions such as the seller's industry set as the emergency payment condition, the type of purchase history, and the limit of the payment amount are satisfied, payment may be triggered instead of an emergency without the buyer's action intervention.

Next, the buyer information and payment information may be transmitted to the payer terminal 400 instead to receive approval of the payment instead of the emergency to the payer. (S540) Instead, the payer may instead use the payer terminal 400 It is possible to confirm who the purchaser of the payment is, the payment related seller or payment amount information, etc., and proceed with the approval of the payment instead of an emergency. In addition, without an approval procedure for payment instead of an emergency, payment may be automatically performed instead of an emergency instead of an approval procedure of the payer when a preset payment setting condition is met instead of the emergency payment procedure.

Instead, when a payment agreement is received instead of an emergency through the payer terminal 400 (S550), payment is performed instead of the emergency instead of according to the payment setting, and the payment is completed instead through the payment company server 300, etc. (S560)

When payment is completed on behalf of an emergency, payment information is notified to the buyer and the payer on his/her behalf so that not only the payer but also the buyer can check the payment details.

6 is an exemplary diagram for explaining a payment processing system instead of an emergency utilized by a government local government according to another embodiment of the present invention.

The payment system can be used instead of emergency to support medical and food expenses for the socially vulnerable, or to support disaster victims in disaster situations such as large earthquakes, wildfires, and epidemics.

In this case, the seller 610 may be set as a hospital for receiving emergency services such as treatment, or a store/mart for purchasing relief goods and daily necessities. The purchaser 620 may be a socially vulnerable group or a disaster victim, etc., and instead, a purchaser 620 who is a payment target instead of an emergency based on a specific period in the government or local government, which may become the payer 630, based on the conditions of a specific area, etc. can be specified directly. For example, if a large earthquake occurs in a specific area and is designated as a disaster situation, residents who have an address in the corresponding area may be designated as the purchaser 620 who receives payment benefits instead of the purchaser 620 , and payment processing may be performed instead of an emergency. The purchaser 620 may instead receive from the payer 630 information related to setting conditions of payment processing instead of an emergency, for example, the limitation of the seller 610 to hospitals and stores/marts and the limit of the payment amount.

The seller 610 may instead check whether the payment is subject to emergency instead of the emergency designated by the payer 630 based on the identification information of the buyer, and if it is an emergency instead of a payment target, a payment request may be made directly to the payer through the buyer bypass route instead. can

By using this payment processing system instead of an emergency, the government or related local governments can use the payment processing system instead of the socially vulnerable group to purchase medical services or goods necessary for disaster victims in case of disaster. It will be able to resolve blind spots and information gaps and enable more active administrative services from the consumer's point of view.

7 is an exemplary diagram for explaining a payment processing system instead of an emergency having a multi-layer structure according to another embodiment of the present invention.

In the public domain such as the government, local governments, associations, foundations, and donation groups, patients (buyers) designated or included as payment targets can be distinguished from general emergency patients and referred to as special emergency patients.

In the case of such a special emergency patient, through the payment processing server 100 instead of emergency, the payer is set as the payment instead of the seniority instead of the government, local government, etc. regardless of the mutual relationship setting, and registered based on the relationship setting such as family, relatives, friends, etc. Set the payer as a subordinate payment instead of a subordinated payment, and if support from the government, local government, association, foundation, or donation group can be received, the payment is made in the senior priority. It can be processed to perform installment payments through

More specifically, referring to FIG. 7 , the government, local governments, associations, etc. designate socially vulnerable classes or disaster victims, etc., and allocate payment instead of first priority to institutions that perform payment instead, foundations, donation groups, public trusts, donors, etc. By allocating payment instead of second priority to donation-related organizations that support targets that satisfy specific conditions or categories, and assigning payers to payment instead of third priority based on relationship settings such as family, relatives, and friends, Instead of a plurality of payments, the payment can be processed so that the payment can be sequentially divided.

The seller 710 can proceed with the payment instead of the emergency by inputting the buyer's identification information through the payment server 100 instead of the emergency, and the payment server 100 instead of the emergency is a special emergency patient based on the payment setting on behalf of the buyer, By determining whether a patient is a general emergency patient, if it is determined that the patient is a special emergency patient, payment proceeds sequentially instead of the 1st, 2nd and 3rd priority can be processed As such, in the case of special emergency patients designated by the government or local governments, etc., payment can be sequentially applied instead of the 1st, 2nd, and 3rd priorities to process divided payments. It is not subject to payment in lieu of ranking, so it may be processed as payment through the payer instead of being registered in the 3rd place.

In this way, through the payment server 100 instead of an emergency, the payment process can be automatically performed without the action of the buyer 720, and the seller 710 also makes a payment instead of suitable for the buyer 720 only by inputting simple buyer identification information. It can be performed automatically, and a plurality of payers 730 can also perform divided payments sequentially according to a preset order and criteria, so that multi-layer payment subjects can be integrated and processed.

In addition, if such a multi-layered emergency payment processing system is used, the public and private sector payments are integrated into a multi-layer structure, so that the existing system that supports the government and local governments separately for families can be implemented as a public-private integrated system.

As described above, the payment processing method and system instead of emergency according to the embodiment of the present invention have been described as various specific embodiments, but this is only an example, and the present invention is not limited thereto, and the widest scope according to the basic idea disclosed in the present specification should be construed as having a range. A person skilled in the art may implement a pattern of a shape not specified by combining or substituting the disclosed embodiments, but this also does not depart from the scope of the present invention. In addition, those skilled in the art can easily change or modify the disclosed embodiments based on the present specification, and it is clear that such changes or modifications also fall within the scope of the present invention.

100: payment processing server on behalf of emergency 110: payment setting unit on behalf of emergency
120: approval processing unit 130: payment information notification unit
140: priority processing unit
200: merchant terminal 300: payment company server
310: A payment company server 320: B payment company server
400: payer terminal instead

Claims (12)

In the emergency payment method using the payment processing server instead of emergency,
registering setting information of payment instead of emergency, which includes identification information of the buyer, payment terms in lieu of emergency, and terminal information of the payer instead;
receiving a payment request instead of an emergency related to the buyer from the seller terminal in case of an emergency;
determining whether a payment condition is satisfied on behalf of an emergency by the payment processing server on behalf of the emergency in response to the payment request on behalf of the emergency; and
requesting payment from the terminal of the payer on behalf of the payer based on the setting information of the payment on behalf of the emergency when the payment condition is satisfied on behalf of the emergency
including,
The payment request instead of the emergency received from the seller terminal includes identification information of the buyer,
When a payment request instead of the emergency is not accompanied by a payment request from the purchaser, the identification information of the purchaser is input by the seller through the seller terminal,
Based on the identification information of the buyer received from the seller, it is possible to check whether the buyer is a payment setting target instead of an emergency,
The step of determining whether the payment condition is satisfied instead of the emergency is to determine whether the payment condition is satisfied instead of the emergency based on whether the business of the seller is a medical-related service business, a payment method instead of an emergency.
delete delete delete The method of claim 1 , further comprising: transmitting purchaser information and payment information to a terminal of a payer instead; and
The payment method in lieu of an emergency further comprising the step of receiving a payment agreement on behalf of the payer on behalf of the payer from the terminal of the payer on behalf of the payer.
The method of claim 1, wherein the step of determining whether payment conditions are satisfied instead of the emergency comprises:
checking whether payment is possible instead of priorities by the payer instead of including at least one of a government, a local government, an association, a foundation, and a donation organization in relation to the purchaser; and
The payment method in lieu of an emergency, comprising the step of checking whether payment is possible instead of subordinated priority by the payer instead of previously registered through relationship setting with the buyer.
In the emergency payment system including an emergency payment processing server,
The payment processing server on behalf of the emergency,
In order to establish a payment relationship on behalf of the buyer and the payer on behalf of the payer on behalf of the purchaser so that payment can be performed in case of an emergency, the buyer's identification information, the payment terms on behalf of the emergency, and terminal information of the payer on behalf of the emergency an emergency payment setting unit configured to register payment setting information; and
After receiving the payment request on behalf of the buyer related to the emergency from the seller terminal in an emergency situation, in response to the payment request on behalf of the emergency, the payment condition on behalf of the emergency is satisfied based on whether the payment condition on behalf of the emergency is satisfied An approval processing unit configured to process approval of payment instead of emergency based on the setting information of payment on behalf of emergency, and to request payment on behalf of the payer's terminal based on payment information instead
including,
The payment request instead of the emergency received from the seller terminal includes identification information of the buyer,
When a payment request instead of the emergency is not accompanied by a payment request from the purchaser, the identification information of the purchaser is input by the seller through the seller terminal,
Based on the identification information of the buyer received from the seller through the payment setting unit instead of the emergency, it is possible to check whether the buyer is a payment setting target instead of an emergency,
The approval processing unit will determine whether the payment condition is satisfied instead of the emergency based on whether the seller's industry is a medical-related service business in order to determine whether the payment condition is satisfied instead of an emergency, payment system instead of an emergency.
delete delete delete 8. The method of claim 7, further comprising a payment information notification unit for transmitting buyer information and payment information to the payer's terminal instead, wherein the approval processing unit receives payment consent on behalf of the payer from the payer's terminal instead of the payer's emergency What constitutes an emergency payment system.
The method of claim 7, further comprising a priority processing unit configured to process payment priorities of a plurality of payers on behalf of the plurality,
The priority processing unit
Instead of including at least one of the government, local governments, associations, foundations, and donation organizations, the buyer checks whether payment is possible instead of priorities by the payer, and a payment system on behalf of an emergency, configured to check the availability of a payment on behalf of a subordinate.

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