KR102409416B1 - Apparatus and method of research expense payment by card - Google Patents

Abstract

A method and an apparatus for payment for a plurality of research project expenses with one research fund card are provided.

Description

Research fund payment method and device {APPARATUS AND METHOD OF RESEARCH EXPENSE PAYMENT BY CARD}

Hereinafter, a method and an apparatus for payment for a plurality of research project expenses with one research fund card are provided.

Researchers from universities and government-funded research institutes are conducting research after receiving a number of research projects from government ministries and private companies. When one participating researcher carried out multiple research projects, it was inconvenient to have several research fund cards issued for each project and to manage the account each time they were used. From the point of view of the MIS (management information system) in the research institute, there was a problem that frequent delinquency occurred because the accounting deadline was missed while waiting only for the participating researcher to make a decision on which research project account to handle the budget.

Previous research grant cards include a general research grant card and an integrated research grant card. The general research grant card is a specialized credit card optimized for managing research grant projects, and the task integrated card is a credit card specialized only for researchers performing multiple tasks.

The limit of use of the general research fund card is linked to the limit of individual projects, so the limit can be shared among participating researchers, and the research period for the current year can be managed and reused for the next year. The general research fund card is deducted from the associated project budget as soon as the card is used. In addition, the general research fund card is convenient to manage information such as the budget, period, and limit of the research agreement project, but it is inconvenient to carry the card when performing a plurality of tasks, and it may be difficult to correct a selection error among a plurality of cards. Funds from general research grant cards can be collected by government departments and managed by ambassadors.

The project integrated research fund card can be used within the monthly limit specified by the participating researcher, and the research period for the current year can be inconvenient to manage, and can be used within the validity period of 5 years. The project-integrated research fund card can be deducted from the budget for each project when accounting is processed after the card is used. In addition, the project-integrated research fund card does not require card selection and is convenient to carry, but post-management work is aggravated, corporate credit is lowered due to frequent delinquency, and it may be difficult to manage limits and period for each project. Funds for the integrated research funds for projects are accumulated by government departments, but there may be difficulties in managing the ambassadorship.

Republic of Korea Patent Publication No. 10-2018-0070795 (published date: June 27, 2018) Korean Patent Publication No. 10-2012-0018258 (published on March 2, 2012)

The card payment method by the card payment server according to an embodiment determines the total usage limit amount and the total usage period for the card information, based on at least one research project information linked to card information indicating a single card to do; obtaining mapping information indicating target research project information mapped to payment information related to the card information; and adjusting at least one of the usage limit amount of the target research project information mapped to the payment information and the total usage limit amount of the card information.

The card information includes personal identification information of the researcher, and the research project information includes at least one of a project consignment institution, a unique project number, a usage limit for each project and usage period for each project, a budget for each non-taxable item, and a participating researcher can do.

The determining of the total usage limit amount and the total usage period may include: determining the total usage limit amount by adding up the usage limit amount for each project in the at least one research project information; determining, as the end time of the entire period of use, the latest among the end points of the use period for each task of the at least one research project information; and determining, as the start time of the entire period of use, the earliest among the start times of the period of use for each task of the at least one piece of research project information.

The step of determining the total usage limit amount and the total usage period includes determining by adjusting at least one of the total usage limit amount and the total usage period in response to adding research project information to the card information. may include

The determining of the total usage limit amount and the total usage period may include: comparing an end time and a start time of the added research project information with an end time and a start time of the existing total usage period; Based on the comparison result, in response to the case where the end time of the added research project information is later than the end time of the existing entire period of use, the difference between the end time of the added research project information and the end time of the existing entire period of use extending the end point of the entire period of use by And based on the comparison result, in response to a case in which the start time of the added research project information is earlier than the start time of the existing entire period of use, the start time of the added research project information and the start time of the existing entire period of use It may include advancing the start time of the entire usage period by the difference.

The step of determining the total usage limit amount and the total period of use is, in response to the case where the link of the research project information in the card information is released, sets the end time and the start time of the research project information for which the link is released to the existing total usage period comparing with the end time and the start time of ; Based on the comparison result, in response to the case that the end of the period of use of the research project information for which the link has been released corresponds to the end of the entire existing period of use, the latest among the end points of the period of use of the at least one remaining research project information determining the time point as the end point of the entire usage period; And based on the comparison result, in response to the case that the start time of the use period of the research project information for which the link has been released corresponds to the start time of the entire existing period of use, the most It may include determining the early time point as the start point of the entire usage period.

The card payment method may further include the step of designating the target research project information according to a pre-specified standard when the target research project information is not obtained by the request waiting time.

In the step of designating the target research project information, the research project information with the maximum usage limit for each project among at least one piece of research project information whose payment time is within the usage period for each project of the research project information is used as the target research project information. It may include the step of specifying.

The card payment method may include, when the target research project information is not obtained by the time when the waiting request is terminated, mapping the payment information with the research institution's own management budget project information that is distinguished from the at least one research project information. .

The card payment method may further include the step of re-mapping the payment information with one of the research project information distinguished from the target research project information according to a user's request after the generation of the payment information and the acquisition of the target research project information have.

The card payment method may further include transmitting the payment information and the target research project information to at least one of a research institute research fund management server and a research institute management information system (MIS).

The card payment method remaps the payment information with one of at least one research project information that is distinguished from the target research project information in response to receiving user remapping request information after the final payment time of the target research project information and, when a remapping request is received after the final payment time in excess of a predetermined number of remappings, remapping may be restricted.

The step of adjusting at least one of the usage limit amount of the target research project information mapped to the payment information and the total usage limit amount for the card information includes: card payment in a research institution management information system (MIS) In response to receiving the final budget information finally confirmed by reflecting other budget processing details, the method may include re-adjusting at least one of the usage limit amount of the target research project information and the total usage limit amount.

The card payment method may further include rejecting payment approval when the payment time is not included in the total usage period.

The card payment method may include: generating the payment information according to a payment request using the card information; and transmitting the generated payment information to at least one of a research fund management server and a user terminal of a research institution, wherein the step of obtaining the mapping information includes a web page accessible by the user terminal and the user terminal The method may include receiving the mapping information generated through at least one of applications executed by the .

The card payment method performed by the user terminal according to an embodiment, based on at least one research project information linked to card information indicating a single card, calculates the total usage limit amount and the total usage period for the card information. saving; after the payment information is generated, selecting target research project information corresponding to the payment information; mapping the payment information with the target research project information; transmitting a mapping result in which the target research project information is mapped to the payment information to a server; and receiving information in which at least one of the usage limit amount of the target research project information mapped to the payment information and the total usage limit amount for the card information is adjusted.

The selecting of the target research project information may include: determining whether a payment time is included in the usage period for each project of the research project information; classifying research project information included in the period of use for each project at the time of payment as candidates for selection of target research project information; and selecting the target research project information in response to a user input from among the target research project information selection candidates.

In the step of selecting the target research project information, when the payment time is not included in the usage period for each project of the first research project information, the first research project information is excluded from the selection candidates for the target research project information, The method may further include blocking the user input.

The card payment method may further include the step of requesting a user input necessary for selecting the target research project information from the user when the target research project information has not been selected until the selection waiting end point.

The selecting of the target research project information may include providing the user with one of the at least one research project information as the target research project information to the user based on the amount of usage limit for each project and the usage period for each project to the user. can

The selecting of the target research project information includes providing one of the at least one research project information to the user as the target research project information based on previously selected data for affiliate stores and industries corresponding to the payment information. and, the card payment method may further include providing a non-specified input value of the target research project information based on the previously selected data.

The user terminal may include: a memory in which a total amount of usage limit and a total usage period for the card information are stored based on at least one research project information linked to card information indicating a single card; a processor for selecting target research project information corresponding to the payment information after the payment information is generated, and mapping the payment information to the target research project information; and transmitting a mapping result in which the target research project information is mapped to the payment information to a server, and at least one of a usage limit of the target research project information mapped to the payment information and the total usage limit for the card information may include a communication unit for receiving the adjusted information.

The card payment server includes: a communication unit for obtaining mapping information indicating target research project information mapped to payment information associated with card information indicating a single card; and determining the total usage limit amount and the total usage period for the card information based on at least one research project information linked to the card information, and the usage limit amount of the target research project information mapped to the payment information; and a processor for adjusting at least one of the total usage limit for the card information.

1 is a diagram illustrating a payment method of a conventional research fund card according to an embodiment.
2 is a flowchart illustrating a payment method of a card payment server according to an exemplary embodiment.
3 is a flowchart illustrating a method of managing payment information of a user terminal according to an exemplary embodiment.
4 is a diagram illustrating card information and research project information corresponding to at least one research project according to an exemplary embodiment.
5 is a diagram illustrating adjustment of the total amount of use limit and the total period of use when research project information is added according to an exemplary embodiment.
6A to 6D are diagrams illustrating management of payment-related information using a card payment server and a user terminal according to an exemplary embodiment.
7 is a flowchart illustrating a payment method of a card payment server and a user terminal according to an exemplary embodiment.
8 is a flowchart illustrating a process of transmitting and receiving information according to time of a user, a user terminal, a card payment server, and a research institution according to an embodiment.
9 is a block diagram illustrating a configuration of a payment system according to an embodiment.
10 is a block diagram illustrating a configuration of a card payment server according to an embodiment.
11 is a block diagram illustrating a configuration of a user terminal according to an embodiment.

Specific structural or functional descriptions of the embodiments are disclosed for purposes of illustration only, and may be changed and implemented in various forms. Accordingly, the embodiments are not limited to the specific disclosure form, and the scope of the present specification includes changes, equivalents, or substitutes included in the technical spirit.

Although terms such as first or second may be used to describe various elements, these terms should be interpreted only for the purpose of distinguishing one element from another. For example, a first component may be termed a second component, and similarly, a second component may also be termed a first component.

When a component is referred to as being “connected to” another component, it may be directly connected or connected to the other component, but it should be understood that another component may exist in between.

The singular expression includes the plural expression unless the context clearly dictates otherwise. In this specification, terms such as "comprise" or "have" are intended to designate that the described feature, number, step, operation, component, part, or combination thereof exists, and includes one or more other features or numbers, It should be understood that the possibility of the presence or addition of steps, operations, components, parts or combinations thereof is not precluded in advance.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art. Terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with the meaning in the context of the related art, and should not be interpreted in an ideal or excessively formal meaning unless explicitly defined in the present specification. does not Hereinafter, embodiments will be described in detail with reference to the accompanying drawings. Like reference numerals in each figure indicate like elements.

1 is a diagram illustrating a payment method of a conventional research fund card according to an embodiment.

The previous card payment server issued a research grant card by mapping card information and research project information to the user. When the user paid with the research fund card, a payment request was sent to the card payment server, and the card payment server sent the card usage details to the research institute MIS and research institute research fund management server. After the card usage history was transmitted, the user mapped the card usage history and the card-related research project information and delivered it to the research institute MIS. The research institute MIS and the research institute research fund management server finally confirmed the budget usage details by sending and receiving research fund execution settlement information.

According to the previous payment method, the card payment server did not link the research institute MIS with the project management data, and did not manage the research project account. In addition, when the research institute MIS did not receive the information mapping the card usage history and the research project information related to the card by the user, it was not decided which research institute would bear the payment, so card delinquency occurred. In addition, there was a problem in that the report on the research fund execution settlement between the research institution MIS and the research institution research fund management server was delayed.

2 is a flowchart illustrating a payment method of a card payment server according to an exemplary embodiment.

In order to simplify the submission of documents required for card application and certification-related work, the card payment server can utilize the computerized linkage network when the infrastructure is secured according to prior business consultations with research institutes. In addition, the card payment server can define and manage a research institute research fund management server and a personal identification key value that can manage all participating researchers. The personal identification key value may be, for example, a scientific and technological registration number, but is not limited thereto, and may be a key value related to personal identification information that can link an individual to a card as an identifiable key value. The S&T registration number is a unique number used in place of the resident registration number to protect the personal information of researchers participating in national research and development, and can be managed by the National Science and Technology Knowledge Service. The card payment server may issue a card using the personal identification key value regardless of the time of creation of the contract task.

However, if there is no research project agreement budget information, the card payment server does not reflect the total usage limit on the card and does not set the entire usage period, so that it can be managed unusable even if it is issued before linking with the research project information. When a user receives a card and registers as a user, and the usage limit is set by linking the information on a research project being performed by the user to the card information, the card payment server may set the card to be usable.

When receiving the card usage history, the card payment server may manage the current year management of the research project related to the card information, the research fund budget execution processing, and the usage limit amount management in conjunction.

In step 210, the card payment server may determine the total usage limit amount and the total usage period for one card information based on at least one research project information linked to card information indicating a single card. The card information may include a card number and personal identification information of a researcher. The card number is an identification number indicating a single card, for example, may indicate a card number of a physical card, but is not limited thereto, and may include a virtual card number indicating a corresponding single card. The single card is a physical card, and may be, but is not limited to, a magnetic card and an integrated circuit (IC) card. The personal identification information is identification information indicating a user registered in a single card, and may be, for example, the aforementioned personal identification key value. The card payment server may manage research project information related to a research project in which the researcher participates by associating the researcher's personal identification information with a single card. Accordingly, a user (eg, a researcher) may use budgets allocated to one or more research project information (eg, a plurality of research project information) through a single card.

The research project information may include at least one of a project consignment institution, a unique project number, a usage limit for each project and usage period for each project, a budget for each non-tax category, and a participating researcher. The research project information may be information transmitted from a research institute research fund management server or research institute MIS to a card payment server.

The project consignment institution can be divided into government departments and private companies that support the research budget, and it can be information related to the key value that manages the fund accumulation. The project identification number may be a key value for managing a research budget budget account for each project, and may be information related to a key value managed by the card payment server to distribute the usage limit for each project. The usage limit for each project may be set as a budget allocated to the research project, and the usage limit for each project may be adjusted whenever payment information is received. The period of use for each task is related to the period during which the research funds can be executed, and the card payment server may reject payment approval if the payment time is not included in the period of use for each task. Budget information for each non-tax item is a detailed standard for budget execution of research funds, and may be a key value necessary for a research institution to manage research expenses settlement work. A detailed method of determining the total usage limit amount and the total usage period will be described later with reference to FIGS. 4 and 5 .

For reference, the card payment server may receive a payment request associated with card information indicating a single card. For example, when a user attempts to pay by using a single card at an affiliated store, the card payment server may receive a payment request according to card information from an affiliated store terminal or the like. The card payment server may generate payment information for the corresponding payment request. The payment information is information related to payment, and may include, for example, information instructing payment approval, payment history approved for payment, information instructing cancellation of payment, and information instructing payment rejection. For example, the card payment server may generate payment approval information in response when the payment request is verified as valid. Hereinafter, for convenience of explanation, the description is mainly based on information instructing payment approval, but is not limited thereto.

In step 220 , the card payment server may obtain mapping information indicating target research project information mapped to payment information related to card information. The target research project information is research project information related to payment details approved for payment among at least one piece of research project information, and may indicate research project information to be paid. The mapping information is a mapping result between payment information and research project information, and may indicate information indicating target research project information mapped to payment information. The target research project information and payment information may be mapped in an external device, and the external device may generate the mapping information and transmit it to the card payment server. However, the present invention is not limited thereto, and the card payment server may directly generate and obtain mapping information. An example of generating mapping information will be described with reference to FIGS. 6A and 6D below.

The external device may be a device capable of mapping target research project information to payment information in response to a user input. The external device may be, for example, a device that receives a user input, such as a smart phone, a tablet PC, a laptop computer, and a notebook computer, and processes the operation by the processor. The card payment server may receive the mapping result from the external device, and after receiving it, may transmit it to the research institute MIS and the research institute research fund management server in real time.

If the communication unit of the card payment server does not obtain the target research project information by the time when the waiting request is terminated, the target research project information may be designated according to a pre-specified standard. The request waiting end time may be the last time the external device waits for a user input necessary for mapping the target research project information to the user. Exemplarily, the request waiting end time may be the time when the card payment server transmits information mapped with the target research project information to the research institute research fund management server. The predetermined standard may be a standard set by the user and the card payment server based on the amount of use and the period of use for each task. Illustratively, the card payment server may designate, as the target research project information, research project information having a maximum usage limit for each project among at least one piece of research project information whose payment time falls within the usage period for each project of the research project information. By designating the target research project information according to the pre-specified standard by the card payment server, it can be managed to minimize the occurrence of arrears at research institutes, and the responsibility for non-selection of research project information is clear, enabling more active project manager execution processing can do.

The preset standard of the payment method according to an embodiment may be changed according to a user's request even during the card use period. The card payment server may receive information generated in response to a user request of a standard change. The card payment server may determine the use limit amount and period of use of the research project information, based on the received information, that is most suitable for the user's request among the use limit amount and the period of use. For example, by applying different weights to the usage limit amount and usage period set by the user or the card payment server, the most suitable usage limit amount and usage period may be calculated. The card payment server may determine the research project information corresponding to the most suitable usage limit amount and period of use as the target research project information.

According to another embodiment, when the card payment server does not receive the target research project information until the end of the waiting request, the payment information can be mapped with at least one research project information and the research institute's own operation budget project information that is distinguished from it. have. The research institute's self-managed budget project information may be information that is automatically mapped when the research institute does not have target research project information to which payment information is mapped in order to prevent arrears in card payment expenses. By automatically mapping the card payment server to the research institute's internal self-managed account, it can be managed to minimize the occurrence of arrears at the research institute, and it is possible to minimize the change in research project information selection during execution processing.

In addition, when the card payment server does not receive the target research project information until the end of waiting for the request, and determines that the user has not selected the target research project information, the card payment approval may be restricted.

In step 230 , the card payment server may adjust at least one of the usage limit of the target research project information mapped to the payment information and the total usage limit of the card information. The card payment server may deduct the usage limit amount and the total usage limit amount of the target research project information by the payment amount among the payment information. Alternatively, when the payment information is information related to payment cancellation, the card payment server may increase the usage limit amount and the total usage limit amount of the target research project information by the canceled amount.

3 is a flowchart illustrating a method of managing payment information of a user terminal according to an exemplary embodiment.

In step 310, the memory of the user terminal for managing payment information stores the total usage limit amount and the total usage period for card information based on at least one research project information linked to card information indicating a single card. can The total usage limit amount and the total usage period may be calculated in the card payment server or the user terminal, and the memory of the user terminal may store the calculation result.

In step 320, after the payment information is generated, the user terminal may select target research project information corresponding to the payment information. Payment information may be transmitted from a terminal such as an affiliate store to a card payment server during user payment, and the user terminal may receive payment information from the card payment server. The target research project information may be one of at least one research project information linked to one piece of card information.

The processor of the user terminal determines whether the payment time is included in the usage period for each project of the research project information, and classifies the research project information in which the payment time is included in the usage period for each project as candidates for selection of target research project information, Among the research project information selection candidates, target research project information can be selected in response to user input. On the other hand, the processor of the user terminal may exclude research project information for which the payment time is not included in the usage period for each project from the candidate research project information selection candidate and block the user input necessary for selecting the target research project information.

The user terminal may output graphic objects necessary for user input. The graphic objects may include a visualization of research project information belonging to a target research project information selection candidate. The user terminal may select the target research project information in response to detecting a user input for selecting one of the visualized research project information.

If the target research project information has not been selected by the end of the selection waiting time, the user terminal may request a user input necessary for selecting the target research project information from the user. The selection waiting end time may be a time point after the user terminal receives payment information and a period determined by the card payment server or the user terminal passes. The case where the target research project information is not selected may include a case where the user terminal does not detect a user input for selecting the target research project information. However, the present invention is not limited thereto, and may include a case where the processor maps the selected target research project information with the payment information and stores it in the memory or the card payment server does not receive it. The user terminal may request a user input from the user by using the alarm. The user terminal may request a user input from the user by outputting a sound or a visualization graphic object.

According to an embodiment, when the user terminal receives payment information, one of the research project information may be provided to the user as target research project information. The user terminal may select the provided target research project information as the target research project information according to a user input. The user terminal may provide the user with one of the research project information as the target research project information to the user based on the usage limit for each project and the usage period for each project. For example, an amount having the largest usage limit for each project among at least one piece of research project information may be provided as target research project information.

The user terminal may provide target research project information to the user based on previously selected data for affiliate stores and industries corresponding to payment information. In addition, it is also possible to provide a non-detail input value of target research project information based on previously selected data. As the user terminal provides target research project information to the user based on previously selected data, information required for user input is automatically completed, thereby enhancing user convenience.

The user terminal may analyze previously selected data and provide target research project information to the user based on the analysis result. The analysis result may be a result of analyzing a user's consumption pattern or selection pattern, or may be a result of reflecting remapping in a government agency's management information system. The payment server may transmit target research project information selected by a past user to a government agency management information system, and the government agency management information system may determine whether the target research project information and payment details are mapped according to a pre-specified standard. If the government agency management information system determines that the mapping between the target research project information and the payment details deviates from the standards, it can remap the payment details with one of the research project information to meet the standards. By providing the target research project information corresponding to the payment details to the user according to the analysis result reflecting the remapping of the government agency management information system in the past, the user can select target research project information that meets the standards of the government agency management information system Therefore, mapping can be performed efficiently.

In step 330 , the user terminal may map payment information with target research project information. The memory of the user terminal may store a result in which the selected target research project information is mapped with the payment information.

In step 340 , the user terminal may transmit a mapping result in which the target research project information is mapped to the payment information to the server. The server may be a card payment server, but is not limited thereto, and may be a research fund management server.

Thereafter, the user terminal may receive information in which at least one of the usage limit amount of the target research project information mapped to the payment information and the total usage limit amount for the card information is adjusted. According to an embodiment, the user terminal may receive information indicating the result of adjusting the amount from a server (eg, a card payment server, a research fund management server, etc.). In this case, the server that receives the mapping result in step 340 and the server that transmits the result of the adjusted amount may be the same, but may be different depending on the design. The user terminal may visualize at least one of the total usage limit amount, the total usage period, the usage limit amount for each research project, and the usage period in response to the user inquiry input. Accordingly, the user can inquire the research project information with a simple user inquiry input, so that the user's research project management can be facilitated.

In addition, the user terminal may guide the research project information to the user when a certain period of time is left from the end of the usage period for each task. For example, when the research period of the task is 15 days left, the user terminal may inform the user that there are 15 days left from the end of the use period for each task of the research task information corresponding to the task. According to another embodiment, when the usage limit for each project in the research project information is less than or equal to a certain percentage of the initial usage limit, the user terminal guides the remaining usage limit as a unit to induce active budget execution planning. . For example, when the remaining budget of the task is less than 5%, the user terminal may inform the user that the use limit amount for each task of the research task information corresponding to the task is 5% or less of the initial use limit amount. Accordingly, the user terminal can provide useful data that the user can refer to when selecting the target research project information corresponding to the payment information.

The payment method by the card payment server and user terminal can increase the convenience of participating researchers by integrating and managing N research projects with one card and managing the research period for the year. In addition, after card payment, the user terminal selects and maps target research project information in response to user input. It is possible to minimize the occurrence of corporate delinquency with the warning guidance function. In addition, it is possible to improve research expenses settlement management work by linking with the research institute research expenses management server and managing the use of cards that comply with the research expenses settlement guidelines.

4 is a diagram illustrating card information 410 and research project information corresponding to at least one research project according to an exemplary embodiment.

The processor may determine the total usage limit amount and the total usage period based on the usage limit amount and the usage period for each task. The processor may determine the total usage limit amount by adding up the usage limit amount for each project in the at least one piece of research project information.

In addition, the processor may determine the latest among the end points of the use period for each task of the at least one piece of research project information as the end time of the entire period of use. The processor may determine the earliest time among the start times of the use period for each task of the at least one research project information as the start time of the entire period of use.

For example, when three research project information 420 , 421 , 422 are linked to the card information 410 , the processor may use the three research project information 420 , 421 , 422 for each project usage limit amount and period of use. Based on the total usage limit amount and the usage period 430 may be determined. Among the research project information, the research project information of project 1 (420) may include the usage limit of 100 million won and the period of use from '18-09-01 to '19-08-31, and the research project for project 2 (421) The information may include the usage limit of 0.7 billion won and the period of use from '19-01-01 to '19-12-31. The period of use from 06-01 to '20-05-31 may be included. The processor may determine the total amount of 200 million as the total amount of use by adding up the usage limit for each task of the tasks 1 to 3. In addition, the processor may determine '18-09-01 of Task 1, which is the earliest start time among the use periods for each task of Tasks 1 to 3, as the start time of the entire period of use. The processor may determine '20-05-31 of Task 3, which is the latest end point among the use periods for each task of Tasks 1 to 3, as the end time of the entire period of use.

5 is a diagram illustrating adjustment of the total amount of use limit and the total period of use when research project information is added according to an exemplary embodiment.

The processor determines the total usage limit amount and the total usage period 530 based on the at least one research project information 520, 521, 522 associated with the card information 510 as described above in FIG. omit

In response to the case where the research project information 523 is added to the card information 510 , the processor may determine by adjusting at least one of the total usage limit amount and the total usage period. When the research project information is added, the researcher linked to the card information 510 receives a new research project, and the card payment server receives the research project information 523 on the new research project from the research institution. have.

The processor may compare the end time and the start time of the added research project information 523 with the end time and the start time of the entire existing period of use. Based on the comparison result, when the end time of the added research project information 523 is later than the end time of the existing entire period of use, the end time of the added research project information 523 and the end of the existing entire period of use The end time of the entire usage period can be extended by the difference in time points. In addition, the processor responds to a case in which the start time of the added research project information 523 is earlier than the start time of the existing entire period of use by the difference between the start time of the added research project information and the start time of the entire existing period of use. The start of the period of use may be advanced.

For example, when the research project information 523 of project 4, which is new research project information, is added to the three existing research project information 520 , 521 , 522 linked to the card information 510 , the processor uses all existing By comparing the start time and end time of the period 530 , the start time and the end time of the new total usage period 531 may be calculated and determined. Task 4 If the usage limit of the research project information (523) is 100 million won and the period of use is '18-07-01 ~ '20-06-31, the processor uses the total usage limit for the tasks 1 to 4 A total of 300 million won can be determined as the total usage limit by adding up the individual usage limit. In addition, the processor compares the start time of the period of use of Task 4 with the start time of the entire existing period of use, and if it is determined that the start time of the period of use of Task 4 precedes the start of the entire period of use, the difference equals the total period of use '18-07-01, which is the start time of the period of use in Task 4, can be determined as the start time of the entire period of use by advancing the start time of Similarly, the processor compares the end time of the use period of Task 4 with the end time of the existing entire period of use, and if it is determined that the end of the period of use for Task 4 is later than the end of the existing entire period of use, the entire use period is equal to the difference At the end of the period ?last? '20-06-31, which is the end of the period of use in Task 4, can be determined as the end of the entire period of use.

According to an embodiment, the processor compares the end time and the start time of the research project information for which the link is released with the end time and the start time of the entire existing period of use in response to the case where the link of the research project information in the card information is released You can adjust the total usage period and usage limit amount. The case where the link of research project information is canceled may be when the participating researcher resigns, the amount of the project usage limit is reduced while the project is being performed, or the research project information is changed.

Based on the comparison result, the processor responds to the case where the end of the period of use of the research project information for which the link has been released corresponds to the end of the entire period of use, and the processor selects the latest of the end of the period of use of the remaining research project information. It can be determined at the end of the period of use. Similarly, in response to the case where the start time of the period of use of the research project information that has been disconnected corresponds to the start time of the entire period of use, the earliest time among the start times of the period of use of the remaining research project information is the start time of the entire period of use. can be determined as

In addition, the processor may determine the total amount of use by deducting the limit of the amount of use of the research project information that has been completed from the limit of the total amount of use for research project information that has been completed after the end of the period of use. According to the example of FIG. 5 , when '19-08-31 has elapsed, the processor may determine that task 1 has been completed, and accordingly, the total amount of the usage limit by subtracting the usage limit of the assignment 1 from the total usage limit. can decide

The card payment server or the processor of the user terminal may determine by feeding back the entire period of use and the amount of the usage limit in real time or periodically in response to a case where it is determined that there is a change in addition, disconnection, or termination of research project information. Accordingly, the processor can enhance user convenience by providing the user to inquire the total usage period and usage limit amount in real time with a simple inquiry.

6A to 6D are diagrams illustrating a flow chart of a system for managing payment-related information using a card payment server 630 and a user terminal 620 according to an embodiment.

In FIG. 6a, the card payment server 630 requests input from the user 610 while transmitting and receiving information with the user terminal 620 so that the card usage history and research project information can be inquired when using the card, and budget information for each non-taxable item can be processed. information can be printed.

In step 601a, the card payment server 630 may link card information and at least one research project information, and issue a card in the user's name corresponding to the personal identification information of the card information to the user 610. .

When the user 610 pays with the issued card at the affiliated store, in step 602a , the card payment server 630 may generate payment information and transmit the generated payment information to the user terminal 620 .

In step 603a, when the target research project information is selected according to the user input, the user terminal 620 maps the selected target research project information and the payment information received in step 602a, and pays the mapping result by card may be transmitted to the server 630 .

In step 604a, when the card payment server 630 receives the mapping result, the mapping result of the payment details and the target research project information may be transmitted to the research institution MIS 640 .

In step 605a , the card payment server 630 may transmit payment details to the research institute research fund management server 650 .

In steps 604a and 605a, the card payment server 630 transmits the payment information and the target research project information to at least one of the research institute research fund management server 650 and the research institute MIS 640, The research budget management server 650 and the research institution MIS 640 may process the research project budget accounting of the user 610 mapped target research project information.

In step 606a, after the research institution MIS 640 generates payment information and obtains the target research project information, the user terminal 620 or the card payment server 630 receives the user request and sends payment information to the target research project It can be remapped with one of the research project information that is distinct from the information. The remapped payment information may be finally transmitted to the research institute MIS 640 . Payment information and research project information are mapped, so the research institute MIS (640) or research institute research funding management server 650 is in a state that can process the research project budget accounting, but the user 610 It can be determined that the mapping is wrong. When it is determined that the user 610 has been incorrectly mapped, remapping may be requested from the user terminal 620 or the card payment server 630 . When the user terminal 620 or the card payment server 630 receives a signal or information regarding the remapping request, it transmits the remapping request to the research institute MIS 640, or directly transmits the payment information with the new research project information. The mapping may be performed and the remapping result may be transmitted to the research institute MIS 640 . According to an embodiment, when the research institute MIS 640 determines that the payment information and the target research project information are incorrectly mapped, it may notify the user 610, and the card payment server 630 or the user terminal 620 ) may receive a remapping input of the user 610 and transmit a remapping request or a remapping result to the research institute MIS 640 . The target research project information may be remapped without limiting the number of times within a period specified by the payment server or the user terminal 620 .

In step 607a, the research institution MIS 640 and the research institution research fund management server 650 may transmit and receive research fund execution settlement information, and the card payment server 630 uses the final research project budget accounting process confirmed may be received from the research institute research fund management server 650 . Research fund execution settlement information may be information reflecting account transfer, cash payment, etc. other than card payment details.

In step 608a, the card payment server 630 may receive in real time the card usage details for which the final research project budget accounting processing is confirmed. The card payment server 630 may receive the card usage details in which the final research project budget accounting is confirmed, and readjust the remaining research budget for each project. As the remaining research budget for each project is readjusted, the card payment server 630 may readjust the usage limit amount and the total usage limit amount of the target research project information.

In addition, the research institute MIS 640 may receive final budget information that is finally confirmed by reflecting budget processing details other than card payment. The card payment server 630 may readjust the usage limit amount and the total usage limit amount of the target research project information in response to receiving the final budget information. For example, account transfer details may occur in addition to card payment, and the card payment server 630 may receive the account transfer details and readjust the amount used.

6B to 6D below, the card payment server 630 may generate payment information according to a payment request using card information. Although not shown, the card payment server 630 may receive a payment request using a single card from the affiliated store terminal. The card payment server 630 may generate payment information related to approval, cancellation, and rejection of the corresponding payment request. The card payment server 630 may transmit the generated payment information to at least one of a research fund management server 650 and a user terminal 620 of a research institution. As will be described later, the card payment server 630 and the research fund management server 650 may provide a web page and/or an application including an interface for selecting research project information. The user terminal 620 , the card payment server 630 , and the research fund management server 650 may generate mapping information according to a user input. When the mapping information is generated by the user terminal 620 and the research fund management server 650, the card payment server 630 is a web page accessible by the user terminal 620 (eg, a dedicated page for task selection, research The mapping information generated through at least one of an institution-provided page, etc.) and an application (eg, a research institution application, etc.) executed by the user terminal 620 may be received.

In FIG. 6B , the user terminal 620 may access a dedicated web page for project selection and select target research project information mapped to payment information.

In step 601b , the card payment server 630 may link card information and at least one research project information, and issue a card in the user's name corresponding to the personal identification information of the card information to the user 610 .

In addition, in step 602b, the card payment server 630 may provide a payment approval message including access information to the user terminal 620 when payment is approved. For example, the card payment server 630 may receive a payment request based on the card issued to the user 610 and verify the received payment request. The card payment server 630 may transmit the above-described payment approval message to the user terminal 620 of the user 610 in response when the payment request is verified as valid. The payment approval message may be a short message (SMS message, Short Message Service message), but is not limited thereto, and various messages such as MMS message (MMS message, Multimedia Message Service) and SNS message (SNS message, Social Network Message) may be transmitted in the format of The access information may include information triggering access to a dedicated page for selecting research project information (hereinafter, a 'project selection dedicated page 621'). For example, the access information may include information indicating a web address (eg, Uniform Resource Locator (URL), etc.) of the task selection dedicated page 621 .

The user terminal 620 may provide a task selection dedicated page 621 indicated by the access information in response to a user input activating the access information. For example, when a user input (eg, a touch input on a touch display, etc.) for access information included in the payment approval message is received, the user terminal 620 is supported by the user terminal 620 . A web browser can be launched. The user terminal 620 may connect to the task selection dedicated page 621 indicated by the access information simultaneously with and/or after the execution of the web browser.

In this case, the card payment server 630 may allow access to the task selection page 621 of the user terminal 620 in response to the successful identification of the user. According to one embodiment, the card payment server 630 may determine whether the user terminal 620 that attempts to access the task selection dedicated page 621 and the user terminal 620 that is the transmission target of the payment approval message match. have. For example, the card payment server 630, with respect to the user terminal 620 that has received the payment approval message and the user terminal 620 to access the task selection dedicated page 621, the user identification information ( For example, when the phone number, etc.), payment information (eg, payment approval information), and access information match, it may be determined that identification is successful.

And in step 603b, the user terminal 620 may receive a selection operation for selecting the target research project information from the user 610 through the project selection interface provided in the access information. For example, the user terminal 620 may visualize the task selection dedicated page 621 through the display. The task selection dedicated page 621 may include a task selection interface capable of selecting at least one piece of research project information linked to the card. For example, the user terminal 620 may select target research project information from among at least one piece of research project information provided through the project selection dedicated page 621 in response to a selection operation received from the user 610 .

Subsequently, in step 604b, the user terminal 620 may transmit a task selection input to the card payment server 630 . The user terminal 620 may generate a project selection input indicative of the selected target research project information in response to the selection operation. The user terminal 620 may transmit the generated task selection input to the card payment server 630 .

And in step 605b, the card payment server 630 may obtain mapping information. For example, the card payment server 630 may generate mapping information based on a task selection input received from the user terminal 620 . The card payment server 630 may map the target research project information indicated by the project selection input to the payment information.

Subsequently, in step 606b, the card payment server 630 may transmit the payment details together with the mapping information to the research institute research fund management server 650 . The research institute research expenses management server 650 may settle the research expenses allocated to the research project information based on the mapping information and payment details received from the card payment server 630 .

Therefore, as in the above-described step 602b, the card payment server 630 induces the user terminal 620 to access the task selection dedicated page 621 through an SMS message, and by performing identity verification upon access, a dedicated application Even without installation, it is possible to assist the user 610 to map target research project information to payment information through an SMS service and an online web service.

FIG. 6C illustrates mapping of research project information in a system in which an infrastructure capable of transmitting and receiving card approval details in real time between the card payment server 630 and the research institute research fund management server 650 is built under prior consultation.

First, in step 601c, a card may be issued as in step 601a of FIG. 6A and step 601b of FIG. 6B described above.

And in step 602c, the card payment server 630 may transmit the payment details to the research institute research fund management server 650 .

Subsequently, in step 603c, the user terminal 620 may receive a task selection operation from the user 610 . For example, the research institution may provide the research institution-provided page 622 through its own web service and/or application. The research institution providing page 622 may include an interface in which target research project information can be selected from among at least one piece of research project information. The user terminal 620 may visualize at least one piece of selectable research project information through the research institution providing page 622 . The user terminal 620 may select target research project information from among at least one piece of research project information in response to the task selection operation.

And in step 604c, the user terminal 620 may transmit a task selection input to the research institute research fund management server 650 . For example, the user terminal 620 may transmit a project selection input indicating the selected target research project information to the research institute research funding management server 650 .

The research institute research funding management server 650 may generate mapping information in response to a task selection input. For example, the research institute research funding management server 650 may generate mapping information by mapping the target research project information indicated by the project selection input to the payment information. However, the present invention is not limited thereto, and the research institute research fund management server 650 may receive mapping information from the user terminal 620 .

And in step 605c, the research institute research fund management server 650 may provide mapping information to the card payment server 630 . In addition, the research institute research expense management server 650 may calculate the research expense execution details by itself based on the mapping information.

6D illustrates mapping of research project information through a dedicated application by a research institution.

According to an embodiment, a research institute application may be installed in the user terminal 620 . For example, in step 601d, the user terminal 620 may collect task information from the research institute research expense management server 650 through the research institute application. For example, the user terminal 620 may collect agreement task information through an online service provided by the research institution itself.

And in step 602d, the card payment server 630 may transmit payment approval information (eg, a payment approval message) to the user terminal 620 . In response to receiving payment approval information, the user terminal 620 may provide an interface for selecting task information through a research institute application. For example, the user terminal 620 may extract at least one piece of research project information selectable to the user 610 based on the payment approval information and the collected task information. The user terminal 620 may provide the extracted at least one piece of research project information to the user 610 through a research institute application.

Subsequently, in step 603d, the user terminal 620 may receive an operation for selecting the target research project information from the user 610 . The user terminal 620 may select target research project information indicated by the project selection operation from among at least one piece of research project information in response to the project selection operation for the above-described research institution application. However, the present invention is not limited thereto, and the user terminal 620 may automatically select the target research project information based on the payment approval information and the collected project information. The user terminal 620 may generate mapping information by mapping the selected target research project information to payment information.

And in step 604d, the user terminal 620 may transmit mapping information to the research institute research fund management server 650 .

Subsequently, in step 605d, the research institute research fund management server 650 may share the mapping result with the card payment server 630 . The card payment server 630 may receive the mapping result from the research institute research expense management server 650, and may perform card limit adjustment and the like. Accordingly, the card payment server 630 may passively receive the mapping result from the research institution research fund management server 650 and may settle the research fund execution details.

7 is a flowchart illustrating a payment method of a card payment server and a user terminal according to an exemplary embodiment.

Before the card payment server links card information and research project information to issue a card, on the basis of a prior business agreement with a research institution, it omits the process of affixing a seal, submitting required documents, and accreditation, and is necessary for research project information and card information information can be collected. In addition, the card payment server may request whether to consent to the use of personal information for each individual researcher through personal authentication or personal mobile terminal authentication.

When the card payment server issues a card to a participating researcher, a personal identification key value such as a scientific engineer registration number can be designated as card information. The card payment server may link card information to which a personal identification key value is specified with at least one research project information, and the research project information may include a limit on the amount of use for each project and a period of use.

When a user who is a participating researcher who has been issued a card pays with a card, the user terminal may receive payment information. In response to the user terminal receiving payment information, the user terminal may receive a user input necessary for selecting target research project information. When there is no user input for a certain period of time, the user terminal or the card payment server may request the user input by e-mail or SMS text message. When the target research project information is selected by the user, the user terminal may first map the selected target research project information and payment information. The primary mapping is a mapping in which payment information and target research project information are mapped in the user terminal, and may be a mapping in which final budget information is not confirmed. For example, the user terminal may receive a user input required for primary mapping at a card payment site. Thereafter, when the user terminal determines that the user input is not received at the payment site, it may request the user input from the user.

The mapping result may be transmitted to the card payment server, and the card payment server may transmit the mapping result to the research institute MIS. After the research institute MIS receives the payment information and the target research project information, the user terminal or the card payment server may receive a user request related to mapping modification and transmit it to the research institute MIS. The research institution MIS may secondarily map the payment information to one of the research project information distinguished from the target research project information, and the card payment server may receive the secondary mapping result. In the secondary mapping, after the research institute MIS receives the primary mapping result, in a state where the research institute MIS can confirm the final budget information, the research project information that is distinguished from the target research project information of the primary mapping is mapped with the payment information may be doing

8 is a flowchart illustrating a process of transmitting and receiving information according to time of a user, a user terminal, a card payment server, and a research institution according to an embodiment.

The selection waiting period 811 may be a period from the payment time 810 at which the card payment server generates the user's payment information to the selection waiting end time 820 . The selection waiting end time 820 may be a time point after the user terminal receives payment information and a period determined by the card payment server or the user terminal passes. If the user terminal does not detect a user input until the selection waiting end time 820, the user terminal may request an input from the user.

The request waiting period 821 may be a period in which the user terminal requests a user input and waits until the user input is provided until the request waiting end time 830 . The request waiting end time 830 may be the last time the user terminal waits for a user input necessary for mapping the target research project information to the user. The request waiting end time (830) is the point at which the card payment server designates the target research project information. , the card payment server can designate target research project information.

The final payment time 840 is a time when the final research project budget accounting is confirmed, and the target research project information may be remapped without remapping restrictions until the final payment time 840 . After the final payment time 840, in response to the card payment server receiving user remapping request information, the payment information may be remapped with one of the research project information distinguished from the target research project information, but a predetermined remapping If the remapping request is received more than the number of times, the remapping may be restricted.

In step 812, the card payment server may generate payment information and transmit the generated payment information to the user terminal. In step 813 , the user terminal may select target research project information in response to a user input, and the user terminal may generate a mapping result by mapping the selected target research project information and payment information. In step 814, the user terminal may transmit the mapping result to the card payment server.

Until the selection waiting end time 820, the user terminal may wait for a user input necessary for selecting the target research project information. If the user terminal waits for the user input and does not detect the user input until the selection waiting end time 820 , it may request the user input from the user in step 822 . In step 823, the user terminal may select target research project information in response to the user input, and the user terminal may generate a mapping result by mapping the selected target research project information and payment information. In step 824, the user terminal may transmit the mapping result to the card payment server. The user terminal may receive a user input required for target research project information during the selection waiting period and the request waiting period.

Until the request waiting end time point 830, the user terminal may wait for a user input necessary for selecting the target research project information. When the user terminal waits for a user input and the request waiting end point 830 arrives, the card payment server may designate target research project information and map the target research project information and payment information in step 832 . In step 832, the card payment server may transmit the mapped result to the research institute MIS. After the research institution MIS receives the payment information and the target research project information, in step 833, the user terminal or card payment server receives the remapping user request and sets payment information as one of the research project information distinguished from the target research project information can be remapped with The remapped payment information may be finally transmitted to the research institute MIS. Alternatively, the user terminal or the card payment server may receive the user request and transmit the user request to the research institute MIS.

In step 842, the card payment server may receive the card usage details in which the final research project budget accounting processing is confirmed. The card payment server may receive the card usage details for which the final research project budget accounting is confirmed, and readjust the remaining research budget for each project. In response to the case where the research institution MIS receives the user remapping request information in step 843 , the payment information may be remapped with one of the research project information distinguished from the target research project information, but the number of remappings specified in advance is exceeded Thus, when a remapping request is received, remapping may be restricted.

9 is a block diagram illustrating a configuration of a payment system 900 according to an embodiment.

The payment system 900 may include a user terminal 920 and a card payment server 930 , and may receive an input from the user 910 and perform a series of processes. The card payment server 930 may determine the total usage limit amount and the total usage period for one piece of card information, based on at least one piece of research project information linked to one piece of card information. The user terminal 920 may receive card information and research project information. In response to the user terminal 920 receiving the payment information, target research project information corresponding to the payment information may be selected, and the payment information may be mapped with the target research project information. The card payment server 930 may receive payment information and target research project information to which the payment information is mapped from the user terminal 920 . The card payment server 930 and the user terminal 920 adjust at least one of the usage limit amount and the total usage limit amount of the target research project information to which the payment information is mapped, and the total usage limit amount and the usage limit of the target research project information You can save money.

10 is a block diagram illustrating the configuration of the card payment server 1000 according to an embodiment.

The card payment server 1000 may include a processor 1010 , a communication unit 1020 , and a memory 1030 . The processor 1010 may determine a total usage limit amount and a total usage period for one piece of card information, based on at least one piece of research project information linked to one piece of card information. In addition, the processor 1010 may adjust at least one of the use limit amount and the total use limit amount of the target research project information to which the payment information is mapped. The communication unit 1020 may receive payment information and target research project information to which payment information is mapped. The memory 1030 may at least temporarily store card information, research project information, target research project information, and a mapping result.

11 is a block diagram illustrating a configuration of a user terminal 1100 according to an embodiment.

The user terminal 1100 may include a processor 1110 , a communication unit 1120 , and a memory 1130 . In response to receiving the payment information, the processor 1110 may select target research project information corresponding to the payment information, and map the payment information to the target research project information. The memory 1130 may store a total usage limit amount and a total usage period for one piece of card information based on at least one piece of research project information linked to one piece of card information. The communication unit 1120 may receive information in which at least one of the usage limit amount and the total usage limit amount of the target research project information to which the payment information is mapped is adjusted. Also, the communication unit 1120 may transmit the mapping result to the card payment server.

The embodiments described above may be implemented by a hardware component, a software component, and/or a combination of a hardware component and a software component. For example, the apparatus, methods 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 (FPGA) array), 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. A 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.

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 apparatus, 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 media 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 drawings, those skilled in the art may apply various technical modifications and variations based on the above. For example, the described techniques are performed in an order different from 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.

Claims (24)

In the card payment method by a card payment server,
determining a total usage limit amount and a total usage period for the card information based on at least one research project information linked to card information indicating a single card;
obtaining mapping information indicating target research project information mapped to payment information associated with the card information; and
adjusting at least one of the usage limit amount of the target research project information mapped to the payment information and the total usage limit amount for the card information
including,
The step of determining the total usage limit amount and the total usage period includes:
determining by adjusting at least one of the total usage limit amount and the total usage period in response to the case where research project information is added to the card information
includes,
The adjusting step is
In response to receiving the final budget information finalized by reflecting the budget processing details other than card payment in the management information system (MIS) of the research institution, the amount of use of the target research project information and the total amount of use rebalancing at least one of the amounts
including,
designating the target research project information according to a pre-specified standard when the target research project information is not obtained until the request waiting end time;
In response to receiving user remapping request information, the payment information is remapped with one of at least one piece of research project information distinct from the target research project information, and the number of remappings before the final payment of the target research project information performing remapping according to the remapping request without limitation of the
A card payment method further comprising a. According to claim 1,
The card information is
including personally identifiable information of the researcher;
The research project information is
At least one of the project consignment organization, project identification number, usage limit for each project and usage period for each project, budget for each non-tax category, and participating researchers
Card payment method. 3. The method of claim 2,
The step of determining the total usage limit amount and the total usage period includes:
determining a total usage limit amount by adding up the usage limit amount for each project of the at least one research project information;
determining, as the end time of the entire period of use, the latest among the end points of the use period for each task of the at least one research project information; and
Determining the earliest time among the start times of the use period for each task of the at least one research project information as the start time of the entire period of use
Card payment methods that include. delete According to claim 1,
The step of determining the total usage limit amount and the total usage period includes:
comparing the end time and the start time of the added research project information with the end time and the start time of the existing entire period of use;
Based on the comparison result, in response to the case where the end time of the added research project information is later than the end time of the existing entire period of use, the difference between the end time of the added research project information and the end time of the existing entire period of use extending the end point of the entire period of use by and
Based on the comparison result, in response to a case where the start time of the added research project information is earlier than the start time of the existing entire period of use, the difference between the start time of the added research project information and the start time of the existing entire period of use advancing the start time of the entire period of use by
Card payment methods that include. According to claim 1,
The step of determining the total usage limit amount and the total usage period includes:
Comparing the end time and the start time of the research project information for which the link is released with the end time and the start time of the entire existing period of use in response to the case where the link of the research project information in the card information is released;
Based on the comparison result, in response to the case that the end of the period of use of the research project information for which the link has been released corresponds to the end of the entire existing period of use, the latest among the end points of the period of use of the at least one remaining research project information determining the time point as the end point of the entire usage period; and
Based on the comparison result, in response to the case where the start time of the use period of the research project information for which the link has been released corresponds to the start time of the entire existing period of use, the earliest among the start times of the period of use of the at least one remaining research project information Step of determining the time point as the start point of the entire period of use
Card payment methods that include. delete According to claim 1,
The step of designating the target research project information includes:
Designating, as the target research project information, the research project information with the maximum usage limit for each project among at least one piece of research project information whose payment time falls within the usage period for each project of the research project information
Card payment methods that include. According to claim 1,
If the target research project information has not been obtained by the end of the waiting request, mapping the payment information to the research institution's own operation budget project information that is distinguished from the at least one research project information
Card payment methods that include. According to claim 1,
After the generation of the payment information and the acquisition of the target research project information, re-mapping the payment information with one of the research project information distinguished from the target research project information according to a user's request
A card payment method further comprising a. According to claim 1,
transmitting the payment information and the target research project information to at least one of a research institute research fund management server and a research institute management information system (MIS)
A card payment method further comprising a. delete delete According to claim 1,
Rejecting payment approval if the time of payment is not included in the entire period of use
A card payment method further comprising a. According to claim 1,
generating the payment information according to a payment request using the card information; and
transmitting the generated payment information to at least one of a research fund management server and a user terminal of a research institution
further comprising,
The step of obtaining the mapping information includes:
Receiving the mapping information generated through at least one of a web page accessible by the user terminal and an application executed by the user terminal
Card payment methods that include. In the card management method performed by the user terminal,
storing a total usage limit amount and a total usage period for the card information based on at least one research project information linked to card information indicating a single card;
after the payment information is generated, selecting target research project information corresponding to the payment information;
mapping the payment information with the target research project information;
transmitting a mapping result in which the target research project information is mapped to the payment information to a server; and
Receiving information in which at least one of the usage limit amount of the target research project information mapped to the payment information and the total usage limit amount for the card information is adjusted
including,
The step of selecting the target research project information includes:
providing one of the at least one research project information to a user as the target research project information based on previously selected data for affiliate stores and industries corresponding to the payment information;
determining whether the time of payment is included in the usage period for each project of the research project information;
classifying research project information included in the period of use for each project at the time of payment as candidates for selection of target research project information; and
selecting the target research project information in response to a user input from among the target research project information selection candidates
including,
In response to receiving the user remapping request information, the payment information is remapped with one of the at least one research project information distinct from the target research project information, and re-mapping until the final payment time of the target research project information Performing remapping according to the remapping request without limiting the number of times, and limiting remapping when a remapping request is received in excess of a predetermined remapping number after the final payment of the target research project information
A card payment method further comprising a. delete 17. The method of claim 16,
The step of selecting the target research project information includes:
blocking the user input by excluding the first research project information from selection candidates for the target research project information when the payment time is not included in the usage period for each project of the first research project information
A card payment method further comprising a. 17. The method of claim 16,
If the target research project information is not selected by the end of the selection waiting time, requesting a user input necessary for selecting the target research project information from the user
A card payment method further comprising a. 17. The method of claim 16,
The step of selecting the target research project information includes:
providing the user with one of the at least one research project information as the target research project information to the user based on the amount of usage limit for each project and the usage period for each project to the user
Card payment methods that include. 17. The method of claim 16,
The card payment method is:
providing a non-detail input value of the target research project information based on the previously selected data
A card payment method further comprising a. Instructions for performing the method of any one of claims 1 to 3, 5, 6, 8 to 11, 14 to 16, and 18 to 21 A computer-readable recording medium storing one or more computer programs including. a memory in which a total usage limit amount and a total usage period for the card information are stored based on at least one research project information linked to card information indicating a single card;
a processor for selecting target research project information corresponding to the payment information after the payment information is generated, and mapping the payment information to the target research project information; and
A mapping result in which the target research project information is mapped to the payment information is transmitted to the server, and at least one of the usage limit amount of the target research project information mapped to the payment information and the total usage limit amount for the card information Communication unit receiving the adjusted information
including,
The processor is
Based on previously selected data for affiliate stores and industries corresponding to the payment information, one of the at least one research project information is provided to the user as the target research project information, and the payment time is used for each project of the research project information It is determined whether or not it is included in the period, and research project information for which the payment time is included in the usage period for each project is classified as a target research project information selection candidate, and in response to a user input among the target research project information selection candidates, the target Select research project information,
In response to receiving the user remapping request information, the payment information is remapped with one of the at least one research project information distinct from the target research project information, and re-mapping until the final payment time of the target research project information Performs remapping according to the remapping request without limiting the number of times, and restricts remapping when a remapping request is received in excess of a predetermined remapping number after the final payment time of the target research project information;
user terminal. a communication unit for obtaining mapping information indicating target research project information mapped to payment information associated with card information indicating a single card; and
Based on at least one piece of research project information linked to the card information, the total usage limit amount and the total usage period for the card information are determined, and the usage limit amount of the target research project information mapped to the payment information and the a processor that adjusts at least one of said total redemption amounts for card information;
including,
The processor is
In response to the case where research project information is added to the card information, it is determined by adjusting at least one of the total usage limit amount and the total usage period, In response to receiving the final budget information finalized by reflecting the budget processing details, at least one of the usage limit amount of the target research project information and the total usage limit amount is readjusted, and the target research When the project information is not obtained, the target research project information is designated according to a predetermined criterion, and in response to receiving the user remapping request information, the payment information is set at least one study to be distinguished from the target research project information Remapping with one of the project information, performing remapping according to the remapping request without limiting the number of remapping before the final payment time of the target research project information, and remapping previously designated after the final payment of the target research project information Limiting remapping when receiving remapping requests exceeding the number of times;
card payment server.

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