KR102316840B1 - Method and system of processing payment using instant message service - Google Patents

Abstract

A payment processing method using an instant message service is disclosed. The method includes: obtaining information about a chat room created through an instant messenger application between the first user and at least one second user for a payment transaction of the first user; updating a payment account of the first user and a payment account of each of the at least one second user in response to processing the payment transaction of the first user; and outputting a message related to the processing of the payment transaction of the first user through the chat room.

Description

Payment processing method and payment processing system using instant message service

The embodiments below relate to techniques for performing payment processing between users or between users and merchants using an instant message service.

Users utilize various payment methods for online or offline transactions. For example, users purchase a desired product online and pay for the product using a credit card or bank account on a payment platform. In addition, users may pay for products using a payment account used in a payment platform, unlike a credit card or bank account.

In addition, the number of users who use the instant message service is increasing recently. Users can expand social relationships by using instant messaging services, and instant messaging service providers are attempting to combine instant messaging services with services such as games, advertisements, search, online shopping, and digital content trading.

In particular, in order to combine online shopping and instant messaging services with services such as online shopping and digital content transactions, a payment processing process must be performed, and a payment processing system (or payment platform) compatible with the instant messaging service may be required. have.

Embodiments of the present invention provide a payment processing method and a payment processing system in which users using the instant message service can conveniently process payment transactions by providing a payment platform that can be combined with the instant message service.

In addition, embodiments of the present invention map the account of the instant message service and the payment account, and process the user's payment transaction using the mapped account and the payment account of the instant message service, so that the instant message service and the payment processing service are compatible. To provide a payment processing method and payment processing system that can increase

In addition, embodiments of the present invention provide a payment processing method and payment in which users can conveniently check how a payment transaction is processed by outputting a message related to the processing of a payment transaction using a chat room created through an instant messenger application. processing system.

In addition, embodiments of the present invention provide users using the instant message service with various options for payment transactions by combining the instant message service with a service that processes various payment transactions such as remittance, request for remittance, and group remittance. It provides a payment processing method and a payment processing system for providing them.

In addition, embodiments of the present invention provide a payment processing method and payment processing system capable of expanding the convenience of users using an instant message service by specifying a counterparty of a payment transaction through a chat room or buddy list of an instant messenger application. do.

In a payment processing method using an instant message service according to an embodiment of the present invention, information on a chat room generated through an instant messenger application between at least one second user and the first user for a payment transaction of a first user obtaining a; updating a payment account of the first user and a payment account of each of the at least one second user in response to processing the payment transaction of the first user; and outputting a message related to the processing of the payment transaction of the first user through the chat room.

The payment transaction of the first user may include: a remittance transaction in which the first user transfers funds to the at least one second user; a remittance request transaction in which the at least one second user requests transfer of funds to the first user; Alternatively, the group may include at least one of a group remittance transaction in which a group including the first user and the at least one second user transfers funds to a third party.

A payment processing system using an instant message service according to an embodiment of the present invention includes: an instant message service server for the instant message service; a first user's terminal executing an instant messenger application for the instant message service; and a payment server that processes the payment transaction of the first user. In this case, the payment server may include: a module for acquiring information about a chat room created through the instant messenger application between at least one second user and the first user for the payment transaction of the first user; a module for updating a payment account of the first user and a payment account of each of the at least one second user in response to processing the payment transaction of the first user; and a module communicating with the instant messenger server so that a message related to the processing of the payment transaction of the first user is output through the chat room.

Instructions for causing a computer to execute the payment processing method using the instant message service according to an embodiment of the present invention are stored in a computer-readable recording medium. In this case, the method may include: acquiring information about a chat room created through an instant messenger application between at least one second user and the first user for a payment transaction of the first user; updating a payment account of the first user and a payment account of each of the at least one second user in response to processing the payment transaction of the first user; and outputting a message related to the processing of the payment transaction of the first user through the chat room.

Embodiments of the present invention can provide a payment processing method and a payment processing system in which users using the instant message service can conveniently process payment transactions by providing a payment platform that can be combined with the instant message service.

In addition, embodiments of the present invention map the account of the instant message service and the payment account, and process the user's payment transaction using the mapped account and the payment account of the instant message service, so that the instant message service and the payment processing service are compatible. It is possible to provide a payment processing method and a payment processing system that can increase the

In addition, embodiments of the present invention provide a payment processing method and payment in which users can conveniently check how a payment transaction is processed by outputting a message related to the processing of a payment transaction using a chat room created through an instant messenger application. A processing system may be provided.

In addition, embodiments of the present invention provide users using the instant message service with various options for payment transactions by combining the instant message service with a service that processes various payment transactions such as remittance, request for remittance, and group remittance. It is possible to provide a payment processing method and a payment processing system for providing these.

In addition, embodiments of the present invention provide a payment processing method and payment processing system capable of expanding the convenience of users using an instant message service by specifying a counterparty of a payment transaction through a chat room or buddy list of an instant messenger application. can do.

1 is a diagram illustrating a payment processing system using an instant message service including an instant message service (IMS) server, a payment server, and a plurality of user terminals according to an embodiment of the present invention.
2 is a diagram illustrating an online/offline transaction system including user terminals having a function for payment processing according to an embodiment of the present invention.
3A is a diagram illustrating a relationship between accounts of an instant message service stored in a buddy relation database of an IMS server and payment accounts stored in a payment account database of a payment server according to an embodiment of the present invention.
FIG. 3B is a diagram conceptually illustrating value transfer in a payment account database when user X shown in FIG. 3A performs a payment transaction for user A, which is a buddy of user X. FIG.
4 is a data structure showing a payment account and detailed information mapped to a user whose IMS account is user X;
5 is an exemplary flowchart illustrating a payment processing method using an instant message service according to an embodiment of the present invention.
6 is an example of a screen of a user terminal when a payment account is registered according to an embodiment of the present invention.
7 is an example of a screen of a user terminal when a 'transmit money' payment transaction is performed in an instant message application according to an embodiment of the present invention.
8 is an example of a screen of a user terminal when a 'request for money transfer' payment transaction is performed in an instant message application according to an embodiment of the present invention.
9 is an example of a screen of a user terminal when a 'group remittance' payment transaction is performed in an instant message application according to an embodiment of the present invention.
10 illustrates a screen of a user terminal after a payment transaction is completed according to an embodiment of the present invention.
11 is a block diagram illustrating an example of a computing device implemented as a user terminal, an IMS server, or a payment server according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a payment processing system using an instant message service including an instant message service (IMS) server, a payment server, and a plurality of user terminals according to an embodiment of the present invention.

Referring to FIG. 1 , a payment processing system using an instant message service includes a plurality of user terminals 110 , 120 , 130 , an IMS server 140 , and a payment server. The plurality of user terminals 110 , 120 , and 130 may include a mobile computing device such as a smart phone, a tablet PC, or the like or a PC.

An instant messenger application may be installed in each of the plurality of user terminals 110 , 120 , and 130 , and the plurality of user terminals 110 , 120 , 130 may communicate with the IMS server 140 . Users can form social relationships using the instant messenger application, and can transmit/receive instant messages in real time. Here, the social relationship may be expressed by a buddy list of each of the users, and the plurality of user terminals 110 , 120 , and 130 communicate with the IMS server 140 to synchronize information on each buddy list and the chat room. can communicate.

At the same time that the users are provided with the instant message service, the users can utilize the payment function combined with the instant messenger application to perform various payment processes. For example, users may request payment processing for goods and digital content while receiving an instant message service, and may request payment processing for merchants in an offline store. In addition, users may transfer funds to a counterpart included in the buddy list formed through the instant message service, and may request the transfer of funds to the counterpart. As will be described below, payment transactions of such users may occur frequently in various situations, and embodiments of the present invention may support at least the following three payment transactions.

- Example of user's payment transaction

a transfer transaction in which the user transfers funds to the other party;

a transaction requesting remittance in which the counterparty requests the transfer of funds to the user; or

A group remittance transaction in which a group including a user and the at least one counterpart delivers funds to a third party

In addition, at the same time that the users are provided with the instant message service, the account for the instant message service and the payment account are mapped to each other in order for the users to perform various payment processes. That is, the IMS server 140 stores accounts for the instant message service of each of the users, and the payment server 150 stores the payment accounts of each of the users. At this time, the account for the instant message service and the payment account remain mapped to each other.

2 is a diagram illustrating an online/offline transaction system including user terminals having a function for payment processing according to an embodiment of the present invention.

Referring to FIG. 2 , the user terminal A 210 may perform a payment transaction with the user terminal B 220 included in the buddy list in the IMS. For example, the user terminal A 210 may transfer a desired amount within the value registered in its payment account to the user terminal B 220 . At this time, some or all of the values registered in the payment account of the user terminal A 210 are transferred to the user terminal B 220 without the help of the external financial institution 1 230 and the external financial institution 2 240 . can be That is, in response to some or all of the value registered in the payment account of the user terminal A 210 is transferred to the user terminal B 220, the payment system (IMS server 140 and payment server 150 shown in FIG. 1) )) updates the payment account of the user terminal B 220 . Even if the user terminal B 220 wants to exchange the value transmitted from the user terminal A 210 with real money, the interaction between the external financial institution 1 230 and the external financial institution 2 240 is may not occur. More specifically, the payment system may have a bank account in the external financial institution 2 240 in which the bank account of the user terminal B 220 is registered, similar to the user terminal B 220 , and the user terminal B 220 may When the value transferred from the user terminal A 210 is to be exchanged for real money, the real money is transferred from the bank account of the payment system to the bank account of the user terminal B 220 . Although there is no direct interaction between the external financial institution 1 230 and the external financial institution 2 240 through this process, the value transferred from the user terminal A 210 to the user terminal B 220 is It may be provided to the user terminal B 220 in money.

Also, the user terminal B 220 may request the user terminal B 210 to transfer a desired amount. In addition, the user terminals A and B (210, 220) may deposit funds to increase the value registered in the payment account through the external financial institution (230, 240), the value registered in the payment account may be exchanged for real money through external financial institutions 230 and 240 .

In addition, the user terminals A and B 210 and 220 may perform a payment procedure with respect to the online seller 250 and the offline seller 250 using a payment account. At this time, the payment account may be connected to the credit card and bank account registered by the user terminals A and B (210, 220), and when the payment is completed, the settlement procedure is performed through the external financial institution (230, 240) is carried out

In addition, as described above, the user terminal A 210 and the user terminal B 220 may perform payment transactions such as remittance, request for remittance, and group remittance within the range allowed by policy or the value registered by the payment account. can be performed. At this time, between user terminals having payment accounts, value transfer is completed in a payment platform including a payment server independently of the external financial institutions 230 and 240 . For example, when the user terminal A 210 remits one dollar registered in the payment account to the user terminal B 220 , the user terminal B 220 from the external financial institution 1 230 of the user terminal A 210 . ), instead of transferring the funds to the external financial institution 2 240 , the value of one dollar may be directly transferred from the payment account of the user terminal A 210 to the payment account of the user terminal B 220 .

3A is a diagram illustrating a relationship between accounts of an instant message service stored in a buddy relation database of an IMS server and payment accounts stored in a payment account database of a payment server according to an embodiment of the present invention.

Referring to FIG. 3A , the buddy relation database of the IMS server stores IMS accounts (user X, users A, B, C, D) of users who use IMS. For example, the buddy relationship database stores accounts for the IMS of users A, B, C, and D that form a buddy relationship with user X.

In addition, the payment account database of the payment server stores payment accounts of users who use the payment function using IMS. For example, the payment account database stores user X's payment account X, user A's payment account A, user C's payment account C, and user D's payment account D. Here, user B does not use the payment function, so user B's payment account does not exist in the payment account database.

At this time, each of the payment accounts is mapped to any one of the IMS accounts stored in the buddy relationship database. Accordingly, according to embodiments of the present invention, a specific user can perform a desired payment transaction despite not knowing the payment account of the selected at least one counterpart by selecting at least one counterpart from the buddy list of the IMS or from the chat room. can Referring to FIG. 3B , it is exemplarily described that user X performs a desired payment transaction despite not knowing the payment account A of user A in a buddy relationship.

FIG. 3B is a diagram conceptually illustrating value transfer in a payment account database when user X shown in FIG. 3A performs a payment transaction for user A, which is a buddy of user X. FIG.

Referring to FIG. 3B , user X of user terminal X 330 and user A of user terminal A 340 have a buddy relationship on IMS. That is, IMS accounts of users in a buddy relationship with the IMS account X of user X are stored and managed as a buddy relationship list 351 in the buddy relationship database 350 . At this time, the payment account database 360 stores and manages the payment account X 361 corresponding to the IMS account X of the user X and the payment account A 362 of the user A.

When user X performs a payment transaction for user A in a buddy relationship, value transfer is made between user X's payment account X 361 and user A's payment account A 362 . For example, if user X wants to transfer the value of one dollar to user A, the value of one dollar is transferred from user X's payment account X 361 to user A's payment account A 362 .

At this time, it may not be required that the user X and the user A know each other's payment account, and the payment account X 361 of the user X and the payment account A 362 of the user A pay without being exposed to each other. A transaction can be performed. That is, although user X does not know user A's payment account A 362, the above-described payment transaction can be successfully performed. User X and User A are in a buddy relationship on the IMS, and a payment server (not shown) including the payment account database 360 of the present invention is a payment account X 361 mapped to the user X's IMS account X and the user A payment account A 362 that is mapped with the IMS account A of A may be extracted, and a transfer of value may be performed between the extracted payment account X 361 and the payment account A 362 .

4 is a data structure showing a payment account and detailed information mapped to a user whose IMS account is user X;

Referring to FIG. 4 , a 'payment account X' is mapped to the IMS account 'User X'. At this time, the payment account database stores various information about the payment account X. For example, the payment account database may store information on a plurality of bank accounts connected to the payment account X and information on a plurality of credit cards. User X may increase the value of the payment account by a desired amount using at least one of bank accounts or credit cards, and may convert the value registered in the payment account into real money. At this time, the value of the virtual currency registered in the payment account may be used in the same unit as the actual currency.

Also, the payment account database may store details of various payment transactions performed using the payment account X, and may store details of transaction messages generated in the process of performing the payment transaction.

Also, the payment account X may be secured by security factors set by the user X. In this case, the security elements set by the user X may include a password, a security pattern drawn by the user, biometric information such as a user's fingerprint, face pupil, and voice, and a security device existing separately from the user terminal.

5 is an exemplary flowchart illustrating a payment processing method using an instant message service according to an embodiment of the present invention.

Referring to FIG. 5 , a user may form a social relationship with friends A, B, and C included in the buddy list 510 of the instant messenger application, and in a chat room 520 created through the instant messenger application, friend A , can send/receive instant messages with friend B. Here, the chat room 520 has a unique identification number, the unique identification number of the chat room 520 and information about participants participating in the chat room 520 are stored in the IMS server.

According to embodiments of the present invention, the user identifies at least one counterpart for the payment transaction through the buddy list 510 or the chat room 520 of the instant messenger application ( 530 ). If a chat room between the user and at least one counterpart already exists, the IMS server or the payment server may identify each IMS account and payment account of the user and the counterpart from information about the chat room. Conversely, when a chat room between the user and at least one counterpart does not exist, a chat room is created by the IMS server, and the IMS server or payment server receives each of the user and the counterpart from information about the newly created chat room. IMS accounts and payment accounts can be identified.

The user may perform at least one of the various payment transactions as described above, and the payment server processes the payment transaction requested by the user ( 540 ). The user's payment transaction includes a remittance transaction in which the user transfers funds to the other party; a transaction requesting remittance in which the counterparty requests the transfer of funds to the user; Alternatively, a group remittance transaction in which a group including a user and the at least one counterpart transfer funds to a third party may be included.

Sending transaction in which the user transfers funds to the other party

The user may transfer funds within the value registered in the user's payment account to at least one party identified from the chat room or buddy list. In this case, the transfer of funds between user terminals is completed in a payment platform including a payment server independently of an external financial institution. For example, when a user remits $1 registered in a payment account to the other party, the funds are transferred from the user's payment account to the other party's payment account, not from the user's external financial institution to the other party's external financial institution. This can be passed directly.

For example, assume that one dollar of the value registered in user A's payment account is transferred to user B. At this time, the payment system may have a bank account in the same institution as an external financial institution (eg, a bank) where user B's bank account is registered, like user B, and user B receives the value transferred from user A. When exchanging for real money, real money is transferred from the bank account of the payment system to the bank account of user B. The payment system according to an embodiment of the present invention may have a bank account in the same institution as an external financial institution (eg, a bank) in which user B's bank account is registered, and transfer funds within the same external financial institution. It has a very short time delay or causes little or no time delay. Accordingly, according to an embodiment of the present invention, after receiving the value from user A, user B can quickly exchange the received value for real money without a substantial time delay. Through this process, even though there is no direct interaction between user A's bank and user B's bank, the value transferred from user A to user B can be quickly provided to user B in real money.

As a more specific example, assume that user A has an account in bank X, user B has an account in bank Y, and the payment system has both an account in bank X and an account in bank Y. At this time, the payment system may select an account of the same bank Y as user B among the accounts of bank X and bank Y possessed by the payment system, and using the selected bank Y account, The account may transfer funds corresponding to the value transferred from user A's paying account to user B's paying account. Then, the user B may exchange the funds corresponding to the value transferred from the user A's payment account to the user B's payment account for real money through the Y bank account. At this time, since both the payment system and user B have accounts of bank Y, user B can receive funds from the payment system quickly.

A transaction requesting remittance in which the counterparty requests the transfer of funds to the user.

The other party may request the transfer of funds from the user. For example, despite wanting to purchase certain goods or digital content, a counterparty who cannot afford all of their costs may request the transfer of funds from the user in order to obtain help from the user. In this case, the user who has received a request for transfer of funds from the other party can help the other party simply by approving the request of the other party. As above, the transfer of funds between user terminals is completed in a payment platform including a payment server independently of an external financial institution.

A group remittance transaction in which a group containing a user and at least one counterparty transfers funds to a third party

According to embodiments of the present invention, a group including a user and at least one counterpart may transfer funds to a third party. Here, the third party may or may not be a member of the group.

For example, suppose users A, B, and C have lunch together at a restaurant and have to pay a total of $30 for the meal. At this time, users A, B, and C each have to bear 30/3 = $10 for lunch, and according to an embodiment of the present invention, each of users A, B, and C uses one chat room. Payment transactions can be performed through the payment account. As another example, if user A among users A, B, and C bears the full cost, each of users B and C may transfer $10 to user A's payment account.

When the payment transaction is processed as described above, the embodiment of the present invention updates the payment account of the user and the payment account of each of the at least one counterpart in response to processing the payment transaction ( 550 ).

For example, if user A transfers $1 of funds to user B's payout account, the value registered in user A's payout account is reduced by $1, and the value registered in user B's payout account is reduced by $1. can increase Of course, when a fee is generated in the process of processing a payment transaction, the value corresponding to the fee may be deducted from the payment account of user A or the payment account of user B.

According to the embodiment of the present invention, the start of the payment transaction, the process of processing the payment transaction, and the processing result of the payment transaction (such as update of the payment account) are output in the form of an instant message through the chat room ( 560 ). This will be described in detail with reference to FIGS. 6 to 9 .

6 is an example of a screen of a user terminal when a payment account is registered according to an embodiment of the present invention.

Referring to FIG. 6 , referring to a screen 610 , a user may inquire a value registered in a payment account using an instant messenger application. As shown in screen 610, the user's payment account is "00-010-1234-1234", and the value currently registered in the payment account is 0 won. When the user selects the 'charge' button on the screen 610, the screen 620 is output through the instant messenger application.

As shown in screen 620 , the user may use any one of a plurality of bank accounts connected to the payment account to recharge the value registered in the payment account. In this case, as shown on the screen 630, the user may select any one of a plurality of bank accounts, and as shown on the screen 640, may additionally register a bank account.

7 is an example of a screen of a user terminal when a 'transmit money' payment transaction is performed in an instant message application according to an embodiment of the present invention.

The screen 710 represents a screen output to the terminal of 'B' (type). Referring to the screen 710 , 'B' (brother) receives an instant message from 'A' (brother), and 'A', 'It's my birthday', is displayed in the chat room of 'B' (brother)'s instant messenger application. ' The instant message received from (brother) is displayed. 'B' (brother) can transfer funds to 'A' (brother) to celebrate the birthday of 'A' (brother), and for this purpose, he can select the 'Payment function' button provided in the chat room. If 'B' (Brother) selects the 'Pay Function' button in the chat room between 'B' (Brother) and 'A' (Brother), the counterpart of 'B' (Brother)'s payment transaction is 'A' ( brother) is identified.

Referring to screen 720 , in response to 'B' (older brother) selecting a payment function, various options are provided. At this time, 'B' (hyung) can select the payment transaction he wants from among remittance, remittance request, and group remittance. 'B' (brother) chooses a 'transfer' payment transaction to transfer funds to 'A' (brother).

Referring to the screen 730 , 'B' (brother) may input the amount transferred from the payment account of 'B' (brother) to the payment account of 'A' (brother) as '10,000 won'. In addition, 'B' (hyung) can additionally write the message 'Happy Birthday' delivered with the funds.

The screen 740 represents a screen output to the terminal of 'A' (younger brother). Referring to the screen 740 , a transaction message 741 related to processing the payment transaction of 'B' (brother) is output to the terminal of 'A' (brother).

In this case, the transaction message 741 may have various attributes that are distinguished from the general instant message. In particular, the transaction message 741 may include a fixed format area 742 , a user editing area 743 , and an interaction area 744 in one speech bubble. A fixed format area 742 is automatically created in a fixed format in response to a payment transaction being processed. In addition, the user editing area 743 includes at least one of text, image, and video edited by 'B' (type). In addition, when a user's interaction is detected in the interaction area 744, additional processing of the payment transaction is performed based on the interaction. For example, 'A' (brother) may move funds transferred from 'B' (brother) to their payment account by touching the interaction area 744 . Also, if 'A' (brother) does not have a payment account, 'A' (brother) may move to a screen for registering a payment account by touching the interaction area 744 .

8 is an example of a screen of a user terminal when a 'request for money transfer' payment transaction is performed in an instant message application according to an embodiment of the present invention.

Referring to FIG. 8 , a screen 810 shows a screen in which 'son ('B') requests to remit a specific amount of money to 'mother' in order to purchase a book.

When the son transmits a transaction message (remittance request message, 823 ) for the 'remittance request' to the mother, a screen as shown in the screen 820 is output through the mother's instant messenger application. At this time, the transaction message (remittance request message, 821) may include a fixed format area 821 and a user editing area 822, and the fixed format area 821 has a fixed format as the son transmits a remittance request. is automatically created with Also, the user editing area 822 includes at least one of text, image, or video edited by the son.

When the mother interacts with the transaction message (remittance request message, 821) or interacts with the interaction area at the bottom of the transaction message (remittance request message, 821), the screen 830 is exposed through the mother's terminal . That is, when an interaction is applied to the son's request for remittance in the chat room formed between the son and the mother, the counterpart to the mother's payment transaction is automatically identified as the son ('B'). Then, the remittance request amount included in the transaction message (remittance request message, 821) is extracted, and the extracted remittance request amount is automatically set. The mother may decide whether to proceed with the remittance with respect to the remittance request amount, and the processing of the payment transaction is completed based on the determination.

In addition, when the mother's payment account does not exist, when the mother interacts with the transaction message (remittance request message, 821) or interacts with the interaction area at the bottom of the transaction message (remittance request message, 821) , a screen for the mother to register a payment account may be displayed.

9 is an example of a screen of a user terminal when a 'group remittance' payment transaction is performed in an instant message application according to an embodiment of the present invention.

Referring to FIG. 9 , a screen 910 indicates that the user selects a group remittance for an amount of 3,2400 won, and inputs the total amount with members participating in the group remittance. After the user inputs the total amount of 32400 won, as shown in the screen 920 , a buddy list may be output to select members participating in group remittance. In this case, the user may select friends A and D as members, and in this case, as shown in the screen 930, the users, friends A, and D may be finally determined as members participating in group remittance. .

At this time, as shown in the screen 940, each of the user, friend A, and D may automatically calculate the personal burden of 32400/3 = 10800 won for 32400, and remit the calculated personal burden to a third party. can do. Here, the third party may be an online seller or an offline seller, and may be any one of the user and friends A and D.

Each of the user, friend A, and D can remit the personal burden of 10,800 won to a third party using their respective payment accounts, and an indicator of whether each of the user, friend A, and D has remitted 10,800 won to a third party may be provided through an instant messenger application. For example, in a chat room in which the user and friends A and D participate, an instant message indicating whether each of the user, friend A, and D has remitted 10,800 won to a third party may be output, and the user, friend A, and D may be output. A graphic effect indicating whether each of 10,800 won has been remitted to a third party may be applied.

10 illustrates a screen of a user terminal after a payment transaction is completed according to an embodiment of the present invention.

Referring to the screen 1010 of FIG. 10 , the user may check the deposit/withdrawal record for the payment account through the instant messenger application. That is, as shown in the screen 1020 , a record of all payment transactions may be provided to the user, and the record includes information on the counterparty of the payment transaction, information on time, information on amount, and transaction message. may include information about In addition, the user may selectively check only the withdrawal record or the deposit record.

Also, referring to screen 1030 , the user may check transaction records for each of the friends of the instant message service. For example, as shown in the screen 1030, the user can check the deposit and withdrawal records for friends A, B, C, and D.

11 is a block diagram illustrating an example of a computing device implemented as a user terminal, an IMS server, or a payment server according to an embodiment of the present invention.

An apparatus implementing the system described above may be implemented as a hardware component, a software component, and/or a combination of the hardware component and the software component. For example, devices and components described in the embodiments may include, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate array (FPGA). , a programmable logic unit (PLU), a microprocessor, or any other device capable of executing and responding to instructions, may be implemented using one or more general purpose or special purpose computers. The processing device may execute an operating system (OS) and one or more software applications running on the operating system. The processing device may also access, store, manipulate, process, and generate data in response to execution of the software. For convenience of understanding, although one processing device is sometimes described as being used, one of ordinary skill in the art will recognize that the processing device includes a plurality of processing elements and/or a plurality of types of processing elements. It can be seen that can include For example, the processing device may include a plurality of processors or one processor and one controller. Other processing configurations are also possible, such as parallel processors.

11 is a block diagram for explaining an example of an internal configuration of a computer system according to an embodiment of the present invention. As an example, the user's terminal and/or server described above may be implemented as the computer system 1100 according to the present embodiment. The computer system 1100 includes at least one processor 1110 , at least one memory 1120 , a peripheral interface 1130 , and an input/output system (I/O system). 1140 , a power unit 1150 , and a communication unit 1160 may be included at least.

This embodiment of FIG. 11 is only an example of the computer system 1100, and the computer system 1100 further includes additional components not shown in FIG. 11, or has a configuration or arrangement for combining two or more components. can For example, a computer system for a mobile terminal may further include a touch screen or a sensor in addition to the components shown in FIG. 11 , and the communication unit 1160 may include a circuit for RF communication. Components that may be included in the computer system 1100 may be implemented in hardware, software, or a combination of both hardware and software including integrated circuits specialized for one or more signal processing or applications.

The memory 1120 may include, for example, a high-speed random access memory, a magnetic disk, an SRAM, a DRAM, a ROM, a flash memory, or a non-volatile memory. have. The memory 1120 may include a software module, an instruction set, or other various data necessary for the operation of the computer system 1100 . In this case, access to the memory 1120 from other components such as the processor 1110 or the peripheral interface 1130 may be controlled by the processor 1110 .

Peripheral interface 1130 may couple input and/or output peripherals of computer system 1100 to processor 1110 and memory 1120 . The processor 1110 may execute a software module or an instruction set stored in the memory 1120 to perform various functions for the computer system 1100 and process data.

The input/output system 1140 may couple various input/output peripherals to the peripheral interface 1130 . For example, the input/output system 1140 may include a controller for coupling a peripheral device such as a monitor, keyboard, mouse, printer, or a touch screen or sensor, if necessary, to the peripheral interface 1130 . According to another aspect, input/output peripherals may be coupled to peripheral interface 1130 without going through input/output system 1140 .

The power unit 1150 may supply power to all or some of the components of the terminal. For example, the power circuit 1150 may include a power management system, one or more power sources such as batteries or alternating current (AC), a charging system, a power failure detection circuit, a power converter or inverter, a power status indicator, or It may include any other components for power generation, management, and distribution.

The communication unit 1160 may enable communication with another computer system using at least one external port. Alternatively, as described above, if necessary, the communication unit 1160 may include an RF circuit and transmit/receive an RF signal, also known as an electromagnetic signal, to enable communication with other computer systems.

The software may comprise a computer program, code, instructions, or a combination of one or more thereof, which configures a processing device to operate as desired or is independently or collectively processed You can command the device. The software and/or data may be any kind of machine, component, physical device, virtual equipment, computer storage medium or device, to be interpreted by or to provide instructions or data to the processing device. , or may be permanently or temporarily embody in a transmitted signal wave. The software may be distributed over networked computer systems, and stored or executed in a distributed manner. Software and data may be stored in one or more computer-readable recording media.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded on the medium may be specially designed and configured for the embodiment, or may be known and available to those skilled in the art of computer software. Examples of the computer-readable recording medium include magnetic media such as hard disks, floppy disks and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic such as floppy disks. - includes magneto-optical media, and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

As described above, although the embodiments have been described with reference to the limited embodiments and drawings, various modifications and variations are possible from the above description by those skilled in the art. For example, the described techniques are performed in a different order than the described method, and/or the described components of the system, structure, apparatus, circuit, etc. are combined or combined in a different form than the described method, or other components Or substituted or substituted by equivalents may achieve an appropriate result.

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

Claims (18)

A payment processing method using the instant message service, performed by a payment server included in a payment processing system using the instant message service, comprising:
obtaining information about a chat room created through an instant messenger application between at least one second user and the first user for the payment transaction of the first user;
updating a payment account of the first user and a payment account of each of the at least one second user in response to processing the payment transaction of the first user; and
outputting a message related to the processing of the payment transaction of the first user through the chat room
including,
The first user has a first account with a first external financial institution associated with the payment account of the first user, and the second user has a second account with a second external financial institution associated with the payment account of the second user. wherein the payment processing system has a third account of the second external financial institution;
The first user's payment transaction is a transaction that transfers to the at least one second user's payment account a value of at least a portion of values registered in the first user's payment account charged using the first account;
The updating includes: the payment of the first user by subtracting the at least a portion of the value registered in the payment account of the first user and increasing the at least a portion from the value registered in the payment account of the second user. update the account and the second user's payment account;
In response to a request from the second user for exchanging for money a value comprising at least a portion of the value registered in the payment account of the second user, the value for which the exchange is requested from the third account is transferred to the second user. A method of processing payment using an instant message service, comprising transferring to an account and updating the payment account of the second user. According to claim 1,
in response to the first user's payment transaction taking place, obtaining a payment account of each of the first user and the at least one second user from a payment account database;
further comprising,
In the payment account database, the payment account of the first user and the account for the instant message service of the first user are matched with each other;
and the payment account of the first user is managed in the payment account database independent of the first external financial institution. delete According to claim 1,
When the first user requests processing of a payment transaction in a specific chat room, at least one of the conversational second users included in the specific chat room using information on the specific chat room for the payment transaction Identifying one second user
A payment processing method using an instant message service, comprising: According to claim 1,
in response to the first user's payment transaction taking place, determining whether a chat room exists between the first user and the at least one second user;
creating a new chat room if the chat room does not exist;
further comprising,
The step of obtaining information about the chat room is
and acquiring information on the new chat room or an existing chat room. According to claim 1,
the chat room
and information on each account of the first user and the at least one second user for the instant message service or a unique identification number of the chat room. According to claim 1,
The message related to the processing of the payment transaction is
an instant comprising a first user edit area containing at least one of text, image or video edited by the first user and a fixed format area created in a fixed format in response to processing the payment transaction. Payment processing method using message service. 8. The method of claim 7,
The payment processing method using an instant message service, characterized in that the first user editing area and the fixed format area are included in one balloon. According to claim 1,
providing at least three options in a chat room between the first user and the at least one second user;
The three options are
an option for the first user to select a remittance transaction to transfer funds to the at least one second user;
an option for the at least one second user to select a remittance request transaction requesting transfer of funds to the first user; and
Option to select a group remittance transaction in which a group comprising the first user and the at least one second user transfers funds to a third party
A payment processing method using an instant message service, comprising: According to claim 1,
detecting an interaction of the first user with a message sent or received between the first user and the at least one second user during processing of the payment transaction of the first user; and
processing the payment transaction based on the first user's interaction
Payment processing method using an instant message service, characterized in that it further comprises. According to claim 1,
When a remittance request transaction in which the at least one second user requests transfer of funds to the first user occurs,
extracting a remittance request amount included in a remittance request message transmitted from the at least one second user to the first user; and
Based on the first user's determination of the remittance request message, a value corresponding to the remittance request amount is deducted from the values registered in the payment account of the first user, and the value registered in the payment account of the second user increasing the amount corresponding to the remittance request amount from
A payment processing method using an instant message service, comprising: 12. The method of claim 11,
determining whether a payment account of the first user exists after the remittance request message is transmitted from the at least one second user to the first user
Payment processing method using an instant message service, characterized in that it further comprises. According to claim 1,
The message related to the processing of the payment transaction of the first user is
at least one of a value remaining in the payment account of the first user, a change in value remaining in the payment account, an amount associated with the payment transaction, or information about whether the payment transaction was successfully completed. payment processing method using an instant messaging service. According to claim 1,
providing a buddy list of the first user for the instant message service; and
initiating a payment transaction between the first user and the at least one second user selected from the buddy list of the first user.
Payment processing method using an instant message service, characterized in that it further comprises. According to claim 1,
When a group remittance transaction in which a group including the first user and the at least one second user transfers funds to a third party occurs,
selecting the at least one second user from among a plurality of first users included in the first user's buddy list or a plurality of first users participating in the chat room;
calculating each of the selected users' burden on the total amount based on the number of selected users; and
processing a payment transaction for each of the selected users.
Payment processing method using an instant message service, characterized in that it further comprises. 16. The method of claim 15,
determining whether the payment transaction has been performed by each of the selected users; and
outputting an indicator as to whether the payment transaction has been performed
Payment processing method using an instant message service, characterized in that it further comprises. A payment server included in a payment processing system using an instant message service, the payment server comprising:
The payment processing system
an instant message service server for the instant message service;
a first user's terminal executing an instant messenger application for the instant message service; and
A payment server that processes the payment transaction of the first user
including,
the payment server
a module for acquiring information about a chat room created through the instant messenger application between at least one second user and the first user for the payment transaction of the first user;
a module for updating a payment account of the first user and a payment account of each of the at least one second user in response to processing the payment transaction of the first user; and
a module for communicating with the instant messenger server so that a message related to the processing of the payment transaction of the first user is output through the chat room;
The first user has a first account with a first external financial institution associated with the payment account of the first user, and the second user has a second account with a second external financial institution associated with the payment account of the second user. wherein the payment processing system has a third account of the second external financial institution;
The payment transaction of the first user is a transaction that transfers to the payment account of the at least one second user the value of at least a portion of the values registered in the payment account of the first user charged using the first account,
The updating module is
the paying account of the first user and the second user by subtracting the at least a portion of the value registered in the paying account of the first user and increasing the at least a portion from the value registered in the paying account of the second user update your payment account,
In response to a request from the second user for exchanging for money a value comprising at least a portion of the value registered in the payment account of the second user, the value for which the exchange is requested from the third account is transferred to the second user. A payment server using an instant message service, which transmits to an account and updates the payment account of the second user. A computer-readable recording medium storing instructions for causing a computer, which is the payment server, to execute the payment processing method using the instant message service of claim 1 .

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