KR102421627B1 - Server for providing artificial intelligence payment by automatically selecting and changing payment way to increase payment success rate, and system - Google Patents

Abstract

Disclosed is a hybrid payment method of a payment server. The hybrid payment method includes the steps of: performing authentication for payment based on authentication information received from a customer terminal, when a request for payment through a first payment means is received from an affiliated store server linked with the customer terminal; performing payment through the first payment means, if the authentication is performed; and performing the payment through a second payment means already registered in a payment server, if the payment through the first payment means fails.

Description

Server and system providing AI payment that automatically selects and changes payment method to increase payment success rate { SERVER FOR PROVIDING ARTIFICIAL INTELLIGENCE PAYMENT BY AUTOMATICALLY SELECTING AND CHANGING PAYMENT WAY TO INCREASE PAYMENT SUCCESS RATE, AND SYSTEM }

The present disclosure relates to a server that provides a mobile payment service, and more particularly, to a server that performs payment by automatically changing a payment method according to the balance, limit of a payment method, personal preference for a payment method, etc. .

According to the conventional payment server or payment system, a separate authentication process is required for each payment method such as an account, card, mobile phone (communication fee payment), and, of course, if payment through one payment method selected by the customer fails (ex. Insufficient balance, exceeding the payment limit, stopping using the card, etc.) The payment itself is usually stopped.

Patent Publication No. 10-2020-0130955 (Hybrid payment system and payment method on a mobile terminal based on QR code)

The present disclosure provides a payment server or payment system that flexibly changes a payment method according to a balance, limit, etc. of a payment method without allowing a user (customer) to additionally experience a separate authentication process.

Objects of the present disclosure are not limited to the above-mentioned purposes, and other objects and advantages of the present disclosure that are not mentioned may be understood by the following description, and will be more clearly understood by examples of the present disclosure. Moreover, it will be readily apparent that the objects and advantages of the present disclosure may be realized by the means and combinations thereof indicated in the claims.

In the hybrid payment method of a payment server according to an embodiment of the present disclosure, when a request for payment is received from an affiliated store server linked with a customer terminal, payment is made through a first payment method based on the authentication information received from the customer terminal performing authentication for , when the authentication is performed, performing a payment through the first payment means, when the payment through the first payment method fails, a second payment method registered in the payment server Including the step of performing the payment through.

In the hybrid payment method of the payment server, when a request for payment is received, a first payment method having the greatest benefit when purchasing a product from the affiliated store server is selected from among a plurality of payment methods previously registered in the payment server, Payment may be performed through the selected first payment method.

Alternatively, information on the first payment method may be included in the received request for payment itself.

In the step of performing payment through the second payment means, it is identified whether encryption information for immediate payment of the second payment method is registered on the payment server, and when the encryption information for immediate payment is registered , payment can be performed immediately through the second payment means without additional user input.

Here, the hybrid payment method of the payment server may further include transmitting, to the affiliated store server, information indicating that payment cannot proceed when the encryption information for the immediate payment is not registered.

On the other hand, the step of performing the payment through the second payment means, selecting a payment method with the greatest benefit when purchasing a product of the affiliated store server from among a plurality of payment methods previously registered in the payment server, and selecting the selected payment method Payment can be made through

In addition, the step of performing the payment through the second payment means, selecting at least one payment method according to the customer preference set for the plurality of payment means previously registered in the payment server, and through the selected payment means You can also make payments.

In addition, in the hybrid payment method of the payment server, when payment through the first payment method fails due to various reasons such as the balance or the remaining limit of the first payment method being smaller than the price of the product, Identifying a payable amount, performing payment for the identified payable amount through the first payment means, and the second payment means for an amount obtained by subtracting the payable amount from the price of the product It may include the step of performing payment through.

Meanwhile, according to an embodiment of the hybrid payment method of the payment server, the first payment means may correspond to an account, and the second payment means may correspond to a mobile phone payment. Here, in the step of performing payment through the second payment means, when the payment through the account fails due to insufficient balance in the account, a bill key for the mobile phone payment or payment to the payment server It determines whether the necessary personal information (name, mobile phone number, gender, date of birth, etc.) is registered, and if the bill key or personal information is registered, the bill key or personal information is transmitted to the telecommunication company server without additional user input and payment is made can be performed.

At this time, in the hybrid payment method of the payment server, when the first payment request of the customer terminal is received for the account payment service of the payment server, the terms and conditions items for each account payment and mobile phone payment are provided through the customer terminal step, when a user input agreeing to the terms and conditions related to the account payment is received, performing identity verification through name, date of birth, and mobile phone number, when the identity verification is performed, the user received through the customer terminal Acquiring a bank and account number according to the input, confirming the withdrawal agreement for the bank and account number, and when a user input agreeing to the terms and conditions related to the mobile phone payment is received, the above execution is performed without a separate user input Performing authentication for the mobile phone payment based on the verified identity, performing the occupancy authentication for the mobile phone payment through the mobile phone number of the customer terminal, when the authentication for the mobile phone payment is performed, the mobile phone payment It may include issuing a bill key for , and setting a password for the account payment according to a user input received through the customer terminal. On the other hand, the step of performing authentication for mobile phone payment may be performed together with the identity verification step previously performed through the mobile phone number.

In this case, in the step of guiding the terms and conditions items, the terms and conditions items related to the account payment may be provided as essential agreement items, and the terms and conditions items related to the mobile phone payment may be provided as optional agreement items.

According to an embodiment of the present disclosure, in a hybrid payment method of a payment system, including a first payment server and a second payment server, when a request for payment is received from an affiliated store server linked with a customer terminal, the first payment server A, performing authentication for payment through a first payment method based on the authentication information received from the customer terminal, when the authentication is performed, the first payment server performs payment through the first payment method performing, when payment through the first payment means fails, the first payment server requesting payment to the second payment server, the second payment server is pre-registered with the second payment server and performing payment through a second payment method.

The payment server according to the present disclosure increases the probability of success of payment by automatically switching to another payment method without separate authentication when it is impossible to perform payment through a specific payment method, such as when the account balance is insufficient or the limit of the card is reached, and the customer It has the advantage of reducing the effort of

In addition, in the payment server according to an embodiment of the present disclosure, in the registration process of the first payment means (eg, account payment or card payment, etc.), the registration process of the second payment means (ex. mobile phone payment), which is a preliminary payment method It has the effect of reducing the customer's procedural effort and preventing duplicate input of information.

1 is a block diagram illustrating the configuration of a payment server according to an embodiment of the present disclosure;
2 is an algorithm for explaining an operation of a payment server for changing a payment method according to an embodiment of the present disclosure;
3 is an algorithm for explaining the operation of a payment server for checking the availability of a preliminary payment method according to an embodiment of the present disclosure;
4 is a flowchart for explaining an example of an operation of a payment server that performs a mobile phone payment based on a withdrawal result of an account payment;
5 is a sequence diagram for explaining an operation in which a payment server performs a hybrid payment based on communication with a customer terminal, an affiliated store server, a financial institution server, a telecommunication company server, and the like according to an embodiment of the present disclosure;
6 is an algorithm for explaining a procedure in which the payment server registers account payment and/or mobile phone payment according to an embodiment of the present disclosure;
7a to 7d are diagrams for explaining a UI (User Interface) provided by the payment server through the customer terminal in relation to the algorithm of FIG. 6;
8 is an algorithm for explaining a process in which the payment server adds a payment means corresponding to account payment or mobile phone payment according to an embodiment of the present disclosure;
9A to 9C are diagrams for explaining the UI provided by the payment server through the customer terminal in relation to the algorithm of FIG. 8;
10 is a sequence diagram for explaining an operation of performing a hybrid payment by a payment system including a plurality of payment servers using different payment methods according to an embodiment of the present disclosure;
11 is a sequence diagram illustrating an example of operations of a plurality of payment servers that perform a mobile phone payment according to a withdrawal result of an account payment.

Prior to describing the present disclosure in detail, a description will be given of the description of the present specification and drawings.

First, terms used in the present specification and claims have been selected in consideration of functions in various embodiments of the present disclosure. However, these terms may vary depending on the intention or legal or technical interpretation of a person skilled in the art, and the emergence of new technology. Also, some terms are arbitrarily selected by the applicant. These terms may be interpreted in the meaning defined in the present specification, and if there is no specific term definition, it may be interpreted based on the general content of the present specification and common technical knowledge in the art.

Also, the same reference numerals or reference numerals in each drawing attached to this specification indicate parts or components that perform substantially the same functions. For convenience of description and understanding, the same reference numerals or reference numerals are used in different embodiments. That is, even though all components having the same reference number are illustrated in a plurality of drawings, the plurality of drawings do not mean one embodiment.

In addition, in this specification and claims, terms including an ordinal number, such as "first" and "second", may be used to distinguish between elements. This ordinal number is used to distinguish the same or similar elements from each other, and the meaning of the term should not be construed as limited due to the use of the ordinal number. For example, the components combined with such an ordinal number should not be limited in the order of use or arrangement by the number. If necessary, each ordinal number may be used interchangeably.

In this specification, the singular expression includes the plural expression unless the context clearly dictates otherwise. In the present application, terms such as "comprises" or "consisting of" are intended to designate that the features, numbers, steps, operations, components, parts, or combinations thereof described in the specification exist, and are intended to indicate that one or more other It is to be understood that this does not preclude the possibility of addition or presence of features or numbers, steps, operations, components, parts, or combinations thereof.

In an embodiment of the present disclosure, terms such as “module”, “unit”, “part”, etc. are terms for designating a component that performs at least one function or operation, and such component is hardware or software. It may be implemented or implemented as a combination of hardware and software. In addition, a plurality of "modules", "units", "parts", etc. are integrated into at least one module or chip, except when each needs to be implemented as individual specific hardware, and thus at least one processor. can be implemented as

In addition, in an embodiment of the present disclosure, when a part is connected to another part, this includes not only direct connection but also indirect connection through another medium. In addition, the meaning that a certain part includes a certain component means that other components may be further included without excluding other components unless otherwise stated.

1 is a block diagram illustrating a configuration of a payment server according to an embodiment of the present disclosure.

Referring to FIG. 1 , the payment server 100 may include a memory 110 , a processor 120 , and a communication unit 130 .

The payment server 100 corresponds to a server or system for performing communication with a plurality of customer terminals and performing payment tasks related to each customer terminal. The payment server 100 may communicate with a plurality of customer terminals through at least one web page or application.

The customer terminal may correspond to various terminal devices, such as a smart phone, a desktop PC, a tablet PC, a notebook PC, a PDA, and a wearable device.

Also, the payment server 100 may communicate with an affiliated store server linked to at least one customer terminal.

The affiliated store server corresponds to a server or system for performing online product sales of at least one affiliated store. The payment server 100 may communicate with the affiliated store server according to an alliance or contract between the operator of the payment server 100 and the operator of the affiliated store.

As an example, the payment server 100 may perform payment according to a payment request of an affiliated store server interlocked with the customer terminal.

The payment server 100 may perform payment through various payment methods, and may perform payment by communicating with at least one financial institution server matching the payment method.

Here, the payment means include various means such as bank accounts, credit cards, check cards, mobile phone payments, electronic money, prepaid electronic payment means, points, other electronic payment means in which monetary values are stored, gift certificates, cryptocurrencies and virtual assets, etc. may include

Financial institution servers include banks, securities companies, insurance companies, credit card companies, electronic financial companies, electronic financial auxiliary companies, credit information companies, personal credit information management companies, debt collection companies, credit information concentrators, credit information providing and using companies, It may be a server or system of various financial institutions that perform financial business or personal credit information processing, such as virtual asset business operators and financial-related public institutions.

Also, the payment server 100 may use a mobile phone payment as a payment method. As an example, the payment server 100 may communicate with at least one communication company server to perform payment in a mobile phone payment method.

The communication company server may correspond to servers or systems of various communication companies that provide communication services (call, mobile web service, etc.) to customer terminals.

Mobile phone payment is a payment method in which a communication company server charges a customer by adding a product payment amount paid on behalf of the customer to a communication service fee. The mobile phone payment limit can be set below a certain amount, and is sometimes referred to as a mobile phone micropayment.

The memory 110 is a configuration for storing an operating system (OS) for controlling the overall operation of at least one component in the computer constituting the payment server 100, at least one instruction, and data.

The memory 110 may include non-volatile memory such as ROM and flash memory, and may include volatile memory such as DRAM. In addition, the memory 110 may include a hard disk, a solid state drive (SSD), or the like.

The processor 120 is a configuration for overall controlling each configuration in at least one computer constituting the payment server 100 , and includes a CPU (Central Processing Unit), an AP (Application Processor), a GPU (Graphic Processing Unit), and a VPU. , may be composed of various units such as NPU.

The processor 120 may control the payment server 100 by executing an instruction stored in the memory 110 .

The communication unit 130 is a configuration for the payment server 100 to transmit and receive data to and from various external devices such as a customer terminal, an affiliated store server, a financial institution server, and a communication company server, and may include at least one circuit for communication.

The communication unit 130 is TCP/IP (Transmission Control Protocol/Internet Protocol), UDP (User Datagram Protocol), HTTP (Hyper Text Transfer Protocol), HTTPS (Secure Hyper Text Transfer Protocol), FTP (File Transfer Protocol), SFTP ( A communication protocol (protocol) such as Secure File Transfer Protocol) and MQTT (Message Queuing Telemetry Transport) may be used to transmit/receive various information to and from one or more external electronic devices.

To this end, the communication unit 130 may be connected to an external device based on a network implemented through wired communication and/or wireless communication. In this case, the communication unit 130 may be directly connected to an external device, or may be connected to an external electronic device through one or more external servers (eg, Internet Service Providers (ISPs)) that provide a network.

The network may be a personal area network (PAN), a local area network (LAN), a wide area network (WAN), etc. depending on the area or size, and depending on the openness of the network, an intranet, It may be an extranet or the Internet.

Wireless communication includes long-term evolution (LTE), LTE Advance (LTE-A), 5th generation (5G) mobile communication, code division multiple access (CDMA), wideband CDMA (WCDMA), universal mobile telecommunications system (UMTS), WiBro (Wireless Broadband), GSM (Global System for Mobile Communications), DMA (Time Division Multiple Access), WiFi (Wi-Fi), WiFi Direct, Bluetooth, NFC (near field communication), at least one of the communication methods such as Zigbee may include

Wired communication may include at least one of communication methods such as Ethernet, optical network, USB (Universal Serial Bus), and ThunderBolt.

Here, the communication unit 130 may include a network interface or a network chip according to the above-described wired/wireless communication method. Meanwhile, the communication method is not limited to the above-described example, and may include a communication method newly appearing according to the development of technology.

2 is an algorithm for explaining an operation of a payment server for changing a payment method according to an embodiment of the present disclosure.

Referring to FIG. 2 , the payment server 100 may receive a request for payment ( S210 ).

As a specific example, the affiliate store server receiving the purchase request from the customer terminal may request payment to the payment server 100 .

The request for payment may include information on a payment method, information on a payment amount (eg, a product price), customer information received through a customer terminal, and the like.

When the request for payment is received as described above, the payment server 100 may perform authentication for performing payment through the first payment method (S220).

Here, the first payment means may be pre-registered for the customer terminal. Specifically, the first payment means may be pre-registered as a payment method primarily used when a payment request related to the customer terminal is received. can

Alternatively, the first payment method may be selected according to a user input received through the customer terminal. In this case, information on the first payment method may be included in the payment request received from the payment server 100 .

The first payment method may correspond to various payment methods such as account, credit card, debit card, mobile phone payment, electronic money, prepaid electronic payment method, points, other electronic payment methods in which monetary values are stored, gift certificates, cryptocurrencies, and virtual assets. can

Alternatively, the first payment method may be a payment method having the best benefit among a plurality of previously registered payment methods.

In one embodiment, when a payment request from the affiliated store server is received, the payment server 100 may select a first payment method with the greatest benefit when purchasing a product from the affiliated store server from among previously registered payment methods. For example, a payment method (eg, a credit card, a check card, an account, etc.) matching a server of a financial institution affiliated with an affiliated store operating the affiliate store server may be selected.

If there are a plurality of payment methods that are affiliated with each other, one first payment method having the greatest discount benefit or point accumulation benefit may be selected according to the alliance.

For example, a payment method (eg, a credit card, a check card, an account, etc.) matching a server of a financial institution affiliated with an affiliated store operating the affiliate store server may be selected.

Specifically, a payment method may be selected according to a discount rate, a point accumulation rate, etc. in which the affiliated store and the financial institution or the affiliated store and the payment company (the operating subject of the payment server 100) are affiliated. In addition, the payment method may be selected according to the benefits provided by the payment method itself (the corresponding payment method may be selected to fill the 300,000 won, such as a 10,000 won billing discount when paying over 300,000 won). In addition, the payment method may be selected according to tax benefits (cash, prepaid electronic payment method, deduction rate of debit card, credit card) such as income deduction benefits at the time of year-end settlement.

As described above, when the first payment method is selected through the customer or the payment server 100, the payment server 100 may include a mobile phone number of the customer terminal, a password for simple payment, etc. according to a user input received through the customer terminal. You can enter authentication information.

In addition, the payment server 100 may perform authentication for payment through the first payment method based on the received authentication information. For example, it is assumed that a specific account is selected as the first payment method. Here, when the input password matches the account payment password of the customer previously registered for the corresponding account, the payment server 100 may determine that the authentication for the account payment is successful.

When authentication is performed in this way, the payment server 100 may perform payment through the first payment means (S230). In this case, the payment server 100 may perform payment through at least one financial institution server and/or a communication company server matching the first payment method.

For example, when the first payment method is an account, the payment server 100 may request a withdrawal from a server of a bank matching the account.

For example, when the first payment method is a credit card, the payment server 100 may request card use or payment to a server of a card company matching the credit card.

For example, when the first payment method is a mobile phone payment, the payment server 100 may request payment according to a communication fee to a communication company server used by the customer terminal.

However, when the payment through the first payment method fails (S240 - N), the payment server 100 may perform payment through a pre-registered second payment method (: preliminary payment method) (S250).

Specifically, when the balance in the account is insufficient compared to the price of the product to be purchased, when the remaining limit of the credit card is insufficient, when the remaining limit for mobile phone payment is insufficient, when the expiration date of the credit card has expired, or when the user arbitrarily When the set limit is exceeded, when the system of the bank server is being checked, when there is an error in the system of the bank server, etc., payment may be identified as failed.

For example, when the balance of the account to be withdrawn is insufficient, information indicating a withdrawal failure (insufficient balance) may be received from the bank server. In this case, the payment server 100 may identify that the payment has failed.

In this case, the payment server 100 may perform payment through at least one financial institution server and/or a communication company server matching the previously registered second payment method.

The pre-registered second payment means may correspond to a pre-registered payment means as a preliminary payment means on the payment server 100 . The second payment method may also correspond to various payment methods such as an account, a credit card, a check card, and a mobile phone payment.

As a premise for performing a payment through a pre-registered second payment method, authentication information for payment through a pre-registered second payment method may be pre-registered in the payment server 100 . Specifically, the payment server 100 may receive at least one user input for registering the preliminary payment method from the customer terminal, and register at least one second payment method with the customer terminal.

With respect to the second payment means previously registered as the preliminary payment means, the payment server 100 may obtain authentication information for performing payment through the preliminary payment means (second payment means). In this case, the payment server 100 obtains authentication information according to a user input received from the customer terminal, and when authentication for the second payment method is performed according to the obtained authentication information, payment is performed through the second payment method can do.

The authentication information may include biometric information (fingerprint, iris, face, voice, etc.), password, customer authentication information (eg, public certificate, OTP, etc.).

For example, if payment through the first payment method fails, the payment server 100 compares the password or biometric information received through the customer terminal with the password or biometric information stored on the payment server 100 to make the second payment Payment can be made through any means.

Alternatively, the payment server 100 may include encryption information for performing 'immediate payment' through the second payment method.

Here, the immediate payment means an operation of directly performing payment through the second payment method without a separate user input (eg, password input, biometric information input, confirmation, request, (customer) authentication, etc.).

The encryption information may be interlocked according to mutual encoding/decoding of two or more of the payment server 100 , the customer terminal, and the financial institution server, and may correspond to encryption data required for payment.

The encryption information may include encrypted data, an encryption key, and the like. The encryption information may correspond to a bill key. Alternatively, the encrypted information may be composed of simple personal information. Personal information may include name, date of birth, gender, mobile phone number, and the like.

A bill key may mean an encryption key for performing a payment without a separate authentication of the customer at a desired time, and may be referred to as a bill key or a billing key. The bill key in the present disclosure may be defined as an encryption key for immediately performing payment through the second payment means without a separate authentication/input by the customer.

For example, when the bill key is transmitted to the telecommunication company server, the telecommunication company server may perform mobile phone payment of the customer terminal corresponding to the bill key.

As a specific example, if a bill key for payment of the second payment method is pre-stored in the payment server 100 , even without a separate user input/authentication, the payment server 100 only transmits the bill key to the communication company server You can make payments by mobile phone.

However, in order to register/store encryption information for immediate payment of the second payment method in the payment server 100 in advance, the payment server 100 transmits encryption information through communication with a financial institution server and/or communication company server. need to be issued.

Specifically, the payment server 100 may receive encryption information for immediate payment of the second payment method according to the user's authentication information received through the customer terminal in relation to the second payment method.

As an example, the payment server 100 may register the second payment method on the premise that a user input agreeing to the terms and conditions for registering the second payment method as a preliminary payment method is received. Here, the payment server 100 may receive authentication information for immediate payment through the second payment means from the customer terminal, and based on the received authentication information, receive encryption information for immediate payment to the financial institution server and / Alternatively, it may be issued from a telecommunication company server.

On the other hand, Figure 3 is an algorithm for explaining the operation of the payment server for checking the availability of the preliminary payment method (the presence or absence of encryption information) according to an embodiment of the present disclosure. 3 illustrates a process ( S250 ) after the point in time when payment through the first payment method fails.

Referring to FIG. 3 , the payment server 100 may identify whether encryption information for immediate payment of the second payment method is registered on the payment server 100 ( S310 ).

In this case, the case where the encryption information is not registered includes cases where the validity period of the encryption information has expired or the required update of the encryption information has not been performed, except when there is simply no history of creation/issuance of the encryption information. can do.

For example, when the second payment means is a credit card, the payment server 100 may identify whether encryption information for immediate payment through a credit card is registered in relation to the customer terminal.

If the encryption information is not registered (S320 - N), the payment server 100 may transmit information indicating that payment is impossible to the affiliate store server and/or the customer terminal.

Here, the payment server 100 may perform an authentication process for performing payment through the second payment method.

For example, the payment server 100 may obtain authentication information necessary to perform payment through a credit card according to a user input received through the customer terminal, and perform authentication according to the obtained authentication information. . In addition, the payment server 100 may perform payment through a credit card on the premise that authentication is performed.

On the other hand, if the encryption information is registered (S320 - Y), the payment server 100 may perform payment immediately through the second payment means (S330).

For example, if encryption information for immediate payment of a credit card corresponding to the second payment method is registered, the payment server 100 may perform a credit card payment through the card company server without additional authentication (user input). have.

On the other hand, it is also possible to register a plurality of second payment means corresponding to the preliminary payment means.

In this case, the payment server 100 may perform (preliminary) payment through the payment method having the best benefit among the plurality of second payment methods.

As an embodiment, it is assumed that the payment server 100 attempts to make a payment through the first payment method in response to a payment request from the affiliated store server.

Here, if the payment fails, the payment server 100 may select a payment method having the greatest benefit when purchasing a product from the affiliate store server from among a plurality of payment methods previously registered as a preliminary payment method.

For example, a payment method (eg, a credit card, a check card, an account, etc.) matching a server of a financial institution affiliated with an affiliated store operating the affiliate store server may be selected.

If there are a plurality of (preliminary) payment methods that are affiliated with each other, one payment method having the greatest discount benefit or point accumulation benefit may be selected according to the alliance.

Specifically, a payment method may be selected according to a discount rate, a point accumulation rate, etc. in which the affiliated store and the financial institution or the affiliated store and the payment company (the operating subject of the payment server 100) are affiliated. In addition, the payment method may be selected according to the benefits provided by the payment method itself (the corresponding payment method may be selected to fill the 300,000 won, such as a 10,000 won billing discount when paying over 300,000 won). In addition, the payment method may be selected according to tax benefits (cash, prepaid electronic payment method, deduction rate of debit card, credit card) such as income deduction benefits at the time of year-end settlement.

However, it is not limited to the above-described examples, and the preliminary payment method may be selected in various ways. In addition, it is of course possible that two or more payment methods are selected as the preliminary payment method.

As such, when the payment method with the greatest benefit is selected, the payment server 100 may perform payment through the selected payment method.

In addition, in a situation where a plurality of preliminary payment means are registered, the payment server 100 may select at least one preliminary payment method according to the customer's preference.

In relation to this, as an embodiment, it is assumed that the payment server 100 fails even though payment is attempted through the first payment method.

In this case, the payment server 100 may select at least one payment method according to the customer's preference set for a plurality of pre-registered (preliminary) payment methods.

In this case, the customer's preference for each payment method may be set according to a user input received through the customer terminal related to the payment request. In this case, the payment server 100 may set the priority of each of the plurality of (preliminary) payment means according to the user input.

Alternatively, the user's preference may be set according to a usage history for each payment method. For example, the customer's preference for each payment method may be determined according to the number of times a payment request through each payment method is received by the payment server 100 . In this case, the preference may be determined as the payment method for which the number of past payment requests is received is higher.

Meanwhile, the payment server 100 may perform payment through a plurality of payment means by dividing the payment amount.

In one embodiment, when the payment through the first payment method fails because the balance or the remaining limit of the first payment method is less than the price of the product, the payment server 100 may identify the payment possible amount of the first payment method have. Here, the payable amount may correspond to the balance of the account or the remaining limit of the credit card.

In this case, the payment server 100 may perform payment for the identified payment possible amount through the first payment method. In addition, the payment server 100 may perform a payment for the amount obtained by subtracting the payment possible amount from the price of the product through the second payment means.

As such, the distribution of the payment amount for each payment method may be performed in various ways.

As an embodiment, distribution of the payment amount for each payment method may be performed according to a condition set according to a user input. The condition may correspond to full payment through a single payment method, installment payment through a plurality of payment methods, etc., but is not limited thereto.

As an example, it is assumed that the payment condition is set to full payment through a single payment method. Here, if payment through the first payment method fails because the balance of the account corresponding to the first payment method is insufficient, the full amount is paid through the credit card or mobile phone payment corresponding to the second payment method (preliminary payment method). payment may be performed.

As another example, it is assumed that the payment condition corresponds to a divided payment through a plurality of payment methods. Here, if payment through the first payment method fails because the balance of the account corresponding to the first payment method is insufficient, divided payment is performed through each of the first payment method and the second payment method (preliminary payment method) can be

Here, there may be two or more preliminary payment means for performing the divided payment. For example, if payment through account A fails for the first time, installment payment is performed through account A, account B (preliminary payment method), mobile phone payment (preliminary payment method), and credit card C (preliminary payment method) can be

On the other hand, if the payment through the preliminary payment means (secondary payment means) also fails, the preliminary payment means such as the 3rd, 4th, 5th, etc. are selected and payment may be attempted sequentially.

Here, the preliminary payment means corresponding to the 3rd, 4th, 5th, etc. may be pre-registered, or may be selected according to various affiliate benefits, similarly to the process in which the first or second payment method is previously selected.

Meanwhile, various other embodiments of selectively/sequentially using various payment methods according to preference/priority will be described later with reference to FIG. 9C .

Meanwhile, FIG. 4 is a flowchart illustrating an example of an operation of a payment server that performs a mobile phone payment based on a withdrawal result of an account payment.

4, it is assumed that the above-described first payment means corresponds to an account and the second payment means (preliminary payment means) is a mobile phone payment.

Referring to FIG. 4 , the payment server 100 may receive a request for account payment from a customer terminal and/or an affiliated store server ( S410 ).

The request for account settlement may correspond to a request for performing account settlement through at least one customer name account previously registered with the payment server 100 .

The request for account payment may include information on a payment amount.

However, if a request for account payment is first received in relation to a specific customer terminal, since an account in the customer's name has not yet been registered, a process for registering account payment needs to be preceded. An embodiment related to the initial registration of account payment will be described later with reference to FIG. 6 .

When the request for account payment is received, the payment server 100 may perform authentication for account payment (S420).

Specifically, the payment server 100 may receive authentication information such as a mobile phone number of the customer terminal and a password for simple payment according to a user input received through the customer terminal.

In addition, the payment server 100 may perform authentication for account payment based on the received authentication information.

For example, when the input password matches the password of the registered customer's account payment, the payment server 100 may determine that the authentication for the account payment is successful.

When authentication is performed in this way, the payment server 100 may request a withdrawal to a financial institution server (eg, a bank operating the corresponding account) matching the account of the corresponding account payment (S430).

Here, the payment server 100 may request a withdrawal from the financial institution server based on account information registered for the customer terminal.

Specifically, the payment server 100 may request withdrawal by transmitting account information including a name and account number and information on a payment amount to a financial institution server.

In addition, the payment server 100 may perform a mobile phone payment based on the withdrawal result (S440).

For example, when the balance of the target account for account payment is insufficient, the payment server 100 may receive information notifying a withdrawal failure (insufficient balance) from the server of the financial institution.

In this case, the payment server 100 may identify whether a bill key for mobile phone payment of the customer terminal is registered. When the bill key is registered, the payment server 100 may request a mobile phone payment to a communication company server of a communication company that provides a communication service of the customer terminal.

For this, the registration process of mobile phone payment (which can be performed automatically) is preceded in advance, and a bill key (or personal information for immediate payment) needs to be registered in advance, so the registration of mobile phone payment And a specific embodiment related to bill key issuance will be described later with reference to FIGS. 6 and 8 .

In this case, the entire payment amount may be paid through mobile phone payment, or only the remaining amount that has not been paid through account payment may be paid through mobile phone payment.

5 is a sequence for explaining an operation in which the payment server performs hybrid payment (account payment and mobile phone payment) based on communication with a customer terminal, an affiliated store server, a financial institution server, a telecommunication company server, and the like according to an embodiment of the present disclosure; it is do

Referring to FIG. 5 , the affiliated store server 20 may provide information about various products (product contents, sales amount, etc.) to the customer terminal 10 through an application or a web page.

In this case, the affiliate store server 20 may receive a user input for ordering/paying at least one product through the customer terminal 10 ( S505 ).

Then, when a user input for selecting an account payment as a payment method is received, the affiliate store server 20 may request an account payment to the payment server 100 ( S510 ).

In this case, the payment server 100 may perform authentication for account payment through the customer terminal 10 (S515).

Specifically, the payment server 100 may be linked with the customer terminal 10 through an application or web page for authentication. In addition, the payment server 100 may receive a mobile phone number, a password, etc. according to a user input received through the customer terminal 10 .

In this case, the payment server 100 identifies (pre-registered) account payment matching customer information including a mobile phone number, and compares the password set for the identified account payment with the input password to perform authentication. .

Then, the payment server 100 may transmit the authentication result to the affiliate store server 20 and/or the customer terminal 10 ( S520 ).

If authentication is successful, the affiliated store server 20 may request approval for account payment from the payment server 100 (S525), and the payment server 100 may transmit a withdrawal request to the financial institution server 30 (S525). S530). Specifically, the payment server 100 may transmit account information and information on the payment amount to the financial institution server 30 .

Then, the financial institution server 30 may notify the withdrawal result to the payment server 100 (S535). If the balance of the target account for account payment is insufficient, the financial institution server 30 may notify a withdrawal failure due to insufficient balance.

In this case, the payment server 100 may check whether the bill key for the mobile phone payment of the customer terminal 10 has been previously issued (S540).

If there is a previously issued bill key, the payment server 100 may automatically request approval of the mobile phone payment to the communication company server 40 (S545). Specifically, the payment server 100 may transmit information about the bill key and the payment amount to the communication company server 40 .

As a result, the communication company server 40 may verify the received bill key, perform mobile phone payment, and notify the payment server 100 of the mobile phone payment result (S550). Also, the payment server 100 may transmit the result of the mobile phone payment to the affiliate store server 20 and/or the customer terminal 10 .

Meanwhile, according to an embodiment, registration of the first payment method and the second payment method may be performed through one procedure.

Specifically, it is assumed that the first payment request for using the payment service of the payment server 100 is received from a specific customer terminal. In this case, the payment request may be received through at least one affiliated store server linked with the customer terminal.

In this case, the payment server 100 may select at least one first payment method according to a user input (which may be included in the payment request itself) received from the customer terminal or a benefit.

In addition, the payment server 100 may provide one or more terms and conditions related to a payment service through the first payment method. In this case, the payment server 100 may additionally provide one or more terms and conditions items for immediate payment through at least one second payment method.

Here, the terms and conditions items related to the first payment method may be provided as essential agreement items, and the terms and conditions items related to the second payment method, which are preliminary payment means, may be provided as optional agreement items.

For example, when a user input agreeing to the terms and conditions related to the first payment method is received, the payment server 100 may perform identity verification according to the user input received through the customer terminal. Even if the terms and conditions related to the second payment method are also agreed upon, it is sufficient to verify the identity only once.

Also, the payment server 100 may register information related to the first payment method (eg, account information, card information, mobile phone information, etc.) according to a user input. In addition, the payment server 100 may perform at least one authentication procedure (eg, withdrawal agreement, simple payment agreement, etc.) for later performing payment through the first payment method. In addition, the payment server 100 may later register authentication information (eg, password, biometric information, etc.) for performing payment through the first payment method.

In addition, when the terms and conditions related to the second payment method are also agreed upon, the payment server 100 may register information related to the second payment method (eg, account information, card information, mobile phone information) according to a user input. . Here, the input procedure of the information related to the first payment method and the information related to the second payment method may be simultaneously performed in one procedure. In addition, the payment server 100 may perform an agreement procedure and/or an authentication procedure for performing an immediate payment through a second payment method later according to a user input received through the customer terminal. Then, the payment server 100 receives a bill key for immediate payment through the second payment means from the financial institution server and/or communication company server, or personal information for immediate payment through the second payment method can be registered.

6 is an algorithm for explaining a procedure in which the payment server registers account payment and/or mobile phone payment according to an embodiment of the present disclosure. In this embodiment, the first payment means is account payment, and the second payment means, which is a preliminary payment means, corresponds to mobile phone payment.

6 illustrates a registration procedure assuming that a request for account payment is first received from the customer terminal 10 (or the affiliated store server 20 interlocked with the customer terminal 10).

When a request for account payment for a specific amount is received from the customer terminal 10 ( S605 ), the payment server 100 may sequentially provide a procedure for registering account payment.

First, the payment server 100 may guide one or more terms and conditions for account payment through the customer terminal 10 ( S610 ).

The terms and conditions items may include various items related to consignment or consent for the payment server 100 to withdraw money online from the customer's account of the customer terminal 10 .

In this case, the payment server 100 may guide the terms and conditions items for mobile phone payment in addition to the terms and conditions for account payment.

In this case, the payment server 100 may provide the terms and conditions items necessary for the progress of the account payment as essential agreement items, and may provide the terms and conditions items necessary for the automatic progress of the mobile phone payment as optional agreement items.

In other words, if consent is not entered for the terms and conditions for account payment, the next step in the account payment registration process cannot be proceeded. can proceed.

If consent is not selected for the terms and conditions items of mobile phone payment (S615 - N) and consent is selected only for terms and conditions of account payment, the payment server 100 checks the mobile phone identity through the customer terminal 100 ( S620), account information input (S625), withdrawal agreement (S630), password setting (S635), etc., each process required for account payment registration may be performed.

Specifically, the payment server 100 performs identification through the name, resident registration number (or date of birth), and mobile phone number input through the customer terminal 10 (S620), and according to the user input received through the customer terminal It is possible to obtain a bank and account number (S625). Meanwhile, during the identification process, authentication for mobile phone payment may be simultaneously performed through a name, date of birth, mobile phone number, and the like.

In this case, the payment server 100 may check the account by performing communication with the financial institution server 30 matching the bank.

Then, the payment server 100 may confirm the withdrawal agreement for the bank and account number (S630). In this case, the payment server 100 may confirm the customer's withdrawal agreement through the ARS, or may confirm the withdrawal agreement through at least one application. In this case, the payment server 100 may check whether the customer agrees to withdraw money by interworking with at least one financial institution server.

In addition, the payment server 100 may set a password for account payment according to a user input received through the customer terminal 10 (S635).

When account payment is registered according to the above-described processes ( S610 to S635 ), the payment server 100 may proceed with the requested account payment.

If the balance of the corresponding account is greater than the price of the product and thus withdrawal is possible (S640 - Y), the payment may be performed through the financial institution server 40 of the bank related to the corresponding account. On the other hand, when the balance of the corresponding account is less than the price of the product and thus withdrawal is impossible (S640 - N), a payment failure may be notified.

On the other hand, if consent is selected for the terms and conditions of the mobile phone payment in addition to the terms and conditions items of the account payment (S615 - Y), the payment server 100, in addition to the procedures for registration of the account payment (S645, S650, S655, S670) Procedures (S660 and S670) for registration of mobile phone payment may be additionally performed.

Specifically, the payment server 100 may perform authentication for mobile phone payment after performing identification (S645), account information input (S650), and withdrawal agreement (S655), respectively (S660).

Here, the information required for authentication for mobile phone payment is a name, a main number, a mobile phone number, etc., which is common with the information handled in the previous identification (S645). Accordingly, the payment server 100 has an advantage that authentication can be performed immediately without requiring a separate user input through the customer terminal 10 in the process S660 . Alternatively, the authentication process for the mobile phone payment may have already been performed at the same time in the previous identity verification (S645) process.

Then, the payment server 100 may perform occupancy authentication for mobile phone payment through the mobile phone number of the customer terminal 10 (S665). For example, the payment server 100 may perform occupancy authentication by sending an authentication number to the customer terminal 10 and then receiving a user input for inputting the authentication number through the customer terminal 10 .

When authentication and occupancy authentication for mobile phone payment are performed according to the above-described procedures ( S660 and S665 ), the payment server 100 may issue and register a bill key for mobile phone payment of the customer terminal 10 .

In this case, the customer terminal 10 may request the issuance of the bill key from the communication company server related to the customer terminal 10 .

As a result of each registration of account payment and mobile phone payment according to the above-described procedures (S610, S615 - Y, S645 ~ S670), even if the balance of the account is insufficient (S675 - N), the progress of payment through mobile phone payment It has the effect that it is possible.

In addition, from the customer's point of view, since it feels as if registration for mobile phone payment has been carried out at the same time just by performing one process of registering account payment, there is an advantage in that customer convenience is increased.

7A to 7D are diagrams for explaining a user interface (UI) provided by a payment server through a screen of a customer terminal in relation to the algorithm of FIG. 4 .

FIG. 7A illustrates UIs provided by the payment server 100 through the customer terminal 10 in a process corresponding to the terms and conditions guidance and identification (S610 and S645).

Referring to FIG. 7A , a UI 710 for receiving input of a name, a resident registration number (or date of birth), and a mobile phone number, respectively, and a UI 720 for providing terms and conditions items subject to agreement may be provided, respectively.

The UI 720 includes essential consent items for registering account payment. In addition, the UI 720 includes a terms and conditions item 722 necessary to automatically change the payment method under certain conditions (eg, insufficient account balance) to proceed with the mobile phone payment. This agreement item 722 may correspond to an optional agreement item.

When the name, resident registration number (or date of birth), and mobile phone number are each input and the terms and conditions are agreed, the payment server 100 may transmit the authentication number to the customer terminal 10 according to the user input selecting the authentication request 711. . Then, when the corresponding authentication number is input through the UI 730 for receiving the authentication number input, agreement to the terms and conditions and identity verification are completed.

FIG. 7B illustrates UIs provided by the payment server 100 through the screen of the customer terminal 10 in a process corresponding to account information input and withdrawal agreements (S650 and S655).

Referring to FIG. 7B , a UI 740 for receiving account information including a bank and account number may be input, and the payment server 100 transmits the input account information to a financial institution server (corresponding to the corresponding bank). You can check your account information by sending it to your bank's server).

In addition, the payment server 100 may perform a withdrawal agreement process through ARS or at least one application in order to obtain a withdrawal agreement according to the corresponding account information.

The UI 750 of FIG. 7B corresponds to a UI for performing a withdrawal agreement process through the ARS. Here, the payment server 100 may control the customer terminal 10 to display the number '12' through the UI 750, and the payment server 100 receives a user input for selecting the corresponding number through the ARS. It is possible to confirm the intention to consent to withdrawal on the premise that

FIG. 7c illustrates a UI provided by the payment server 100 through the screen of the customer terminal 10 in a process corresponding to the mobile phone occupancy authentication (S665).

After the mobile phone authentication (S660) is performed as the agreement of the terms and conditions item 722 of the mobile phone payment is selected, the payment server 100 provides the customer terminal 10 to provide a UI 760 for performing mobile phone occupancy authentication. can be controlled

In this case, the payment server 100 may transmit the authentication number to the mobile phone number of the customer terminal 10 , and may perform occupancy authentication according to whether the transmitted authentication number is input through the UI 760 .

7D is a view showing a UI provided by the payment server 100 through the screen of the customer terminal 10 in a process corresponding to the password setting (S670) of the account payment.

Referring to FIG. 7D , a UI 770 for receiving a password may be provided, and the password input process through the UI 770 may be repeated once more to prevent misregistration of the password.

The payment server 100 may set the password input through the UI 770 as the password for the account payment, and thereafter, the account payment may proceed only by inputting the password set through the customer terminal 10 .

Meanwhile, in a state in which account payment related to at least one account is registered, the payment server 100 may additionally register at least one account payment and/or mobile phone payment according to a user input.

For example, when registering the first payment account, even if only account payment is registered without consent to the terms and conditions item of mobile phone payment in step S615 of FIG. 6 (S610, S620, S625, S630, S635), later Depending on the customer's input, mobile phone payment may be additionally registered. In addition, account settlement for at least one other account may be additionally registered.

In relation to this, FIG. 8 is an algorithm for explaining a process in which the payment server adds a payment method corresponding to account payment or mobile phone payment according to an embodiment of the present disclosure.

8 is an algorithm for adding account payment or mobile phone payment of a customer who has already registered at least one account payment.

As an example, it is assumed that a user input for adding account payment for at least one account is received through the customer terminal 10 linked to the application of the payment server 100 .

In this case, referring to FIG. 8 , the payment server 100 may receive a user input for selecting a bank and inputting an account number (S810 and S820), and the corresponding account information and It is possible to check the account holder (customer information) (S830).

The payment server 100 may additionally register account payment for at least one account by performing a withdrawal agreement process ( S840 ) through ARS or at least one application. As a result, as shown in FIG. 9A , accounts of various banks (ABC, DEF, GHI) in the name of the customer may be registered.

As another example, it is assumed that a user input for registering mobile phone payment is received ( S850 of FIG. 8 ) through the customer terminal 10 linked with the application of the payment server 100 .

In this case, referring to FIG. 8 , the payment server 100 identifies the name, resident registration number (or date of birth), and mobile phone number matching the customer terminal 100 , and provides terms and conditions related to the automatic process of mobile phone payment. can

Here, when a user input agreeing to the terms and conditions related to the automatic process of mobile phone payment is received, the payment server 100 performs authentication and occupancy authentication for mobile phone payment based on name, resident registration number (or date of birth), and mobile phone number You can (S860, S870).

When authentication and occupancy authentication are performed, the payment server 100 may issue and register a bill key for mobile phone payment.

In relation to this, FIGS. 9A to 9C are diagrams for explaining a UI provided by the payment server through the customer terminal in relation to the mobile phone payment registration process (S850 to S870) in the algorithm of FIG. 8 .

Referring to FIG. 9A , a UI 910 including registered account information may be provided. Referring to the UI 910 , an account of ABC Bank, an account of DEF Bank, and an account of GHI Bank are currently registered as means of account settlement. Meanwhile, unlike FIG. 9A , it goes without saying that payment means such as a credit card or a check card may also be registered.

Here, at least one of the registered accounts may be selected as the main account according to a user input. For example, when the ABC bank account is set as the main account, withdrawal may be performed through the ABC bank account according to the account payment request.

Referring to FIG. 9A , when adding account 911 is selected, a procedure for additionally registering account payment for at least one other account may be performed, and when adding mobile phone 921 is selected, registering mobile phone payment procedures can be carried out.

FIG. 9B illustrates a screen of the customer terminal 10 after the addition 921 of FIG. 9A is selected. 9B is for authentication and occupancy authentication procedures for mobile phone payment.

Specifically, a UI 930 including a name, a resident registration number (or date of birth), a mobile phone number, and a contract item 940 for mobile phone payment may be provided, respectively.

Here, each of the name, resident registration number (or date of birth), and mobile phone number may correspond to information collected during the identity verification process of the previously registered account payment. Accordingly, the name and resident registration number (or date of birth) may not be changed through the UI 930 .

In this case, when the authentication request 931 is selected in a state where agreement to the terms and conditions is selected, the payment server 100 may transmit the authentication number to the mobile phone number (customer terminal 10 ). In addition, when a corresponding authentication number is input through the UI 940 , authentication and occupancy authentication for mobile phone payment may be performed.

Meanwhile, a UI 935 for changing a mobile phone number included in the UI 930 may also be provided. When the corresponding UI 935 is selected, a user authentication process according to the input of the changed mobile phone number and the mobile phone number may be performed.

FIG. 9c shows a screen of the customer terminal 10 after mobile phone payment is registered according to the process of FIG. 9b. Referring to FIG. 9C , information 720 about a newly registered mobile phone payment (ALG U+ 010****2222) may be provided.

After FIG. 9c , when a request for account payment is received, account payment through the account of ABC Bank (account set as the main account) is first attempted, and then, secondarily, mobile phone payment is attempted depending on circumstances such as insufficient balance can be

Meanwhile, preference or priority may be set for each of the accounts registered in the UI 910 and the mobile phone payment 920 .

As an embodiment, the payment server 100 may set a preference (priority) for each payment method according to a user input received through the customer terminal 10 .

Assuming that the priority according to the preference is set in the order of the ABC bank account, the DEF bank account, and the mobile phone payment, the payment server 100 primarily performs the account payment through the ABC bank account, and ABC As the balance of the bank account is insufficient, account settlement through the DEF bank account can be performed secondarily. In addition, the payment server 100 may perform a tertiary mobile phone payment as the balance of the DEF account is insufficient. In addition, it goes without saying that additional payment methods such as 4th, 5th, etc. may be used.

Also, according to an embodiment, the payment server 100 may set a priority according to the benefit of each payment method.

For example, it is assumed that there is a payment benefit for accounts with ABC Bank, no payment benefits for accounts with DEF Bank and GHI Bank, and there is a payment benefit for mobile phone payments. In this case, the payment server 100 may set priorities in the order of the ABC bank account and mobile phone payment (regardless of the payment amount).

In addition, the payment server 100 may set a priority based on the payment requested amount and benefits.

For example, there is a benefit when paying over 200,000 won for an account with ABC Bank, there is a benefit when paying over 150,000 won for an account with DEF Bank, and there is a benefit when paying over 100,000 won for GHI Bank, In this case, it is assumed that there is a benefit when paying more than 5,000 won. Here, if the payment requested amount corresponds to 110,000 won, the payment server 100 may set priorities in the order of GHI bank and mobile phone payment for maximum benefit.

Also, the payment server 100 may allocate a priority and a payment amount to each payment method according to the benefit and payment amount of each payment method.

For example, there is a benefit when paying over 40,000 won for an account with ABC Bank, there is a benefit when paying over 40,000 won for an account with DEF Bank, and there is a benefit when paying over 100,000 won for GHI Bank, In this case, it is assumed that there is a benefit when paying more than 5,000 won.

Here, if the payment amount is 90,000 won, the payment server 100 may set priorities in the order of the ABC bank account, the DEF bank account, and the mobile phone payment. In addition, the payment server 100 may allocate 40,000 won to the ABC bank account, 40,000 won to the DEF bank account, and 10,000 won to the mobile phone payment.

Meanwhile, the above-described operation of the payment server 100 may be performed by a plurality of servers sharing the operation. In relation to this, the payment system according to an embodiment of the present disclosure may include a first payment server for account payment and a second payment server for mobile phone payment, respectively.

10 is a sequence diagram illustrating an operation of performing a hybrid payment by a payment system including a plurality of payment servers using different payment methods according to an embodiment of the present disclosure.

Referring to FIG. 10 , the first payment server 100-1 is a server for performing payment through a first payment method, and the second payment server 100-2 uses a second payment method that is a preliminary payment method. It is a server for performing payment through

Referring to FIG. 10 , the first payment server 100 - 1 may receive a request for payment through the first payment method from an affiliated store server interlocked with a customer terminal ( S1010 ).

Then, the first payment server 100-1 may perform authentication for payment through the first payment method based on the authentication information received from the customer terminal (S1020).

Here, when authentication is performed, the first payment server 100 - 1 may perform payment through the first payment means.

However, when the payment through the first payment method fails (S1030), the first payment server 100-1 may request the second payment server 100-2 for payment through the second payment method (S1040). ).

As a result, the second payment server 100 - 2 may perform payment through the second payment method ( S1050 ).

However, it is of course also possible for the first payment server 100-1 and the second payment server 100-2 to perform divided payments through the first payment means and the second payment means, respectively.

On the other hand, in order to perform an immediate payment for the second payment method without a separate user input according to the payment failure of the first payment method, the first payment server 100-1 or the second payment server 100-2 Encryption information for immediate payment of the second payment method needs to be registered.

As an example, it is assumed that encryption information for immediate payment of the second payment method is stored on the first payment server 100 - 1 .

Here, when payment through the first payment method fails, the first payment server 100-1 transmits encryption information (eg, bill key) for immediate payment of the second payment method to the second payment server 100-2 may request payment to the second payment server 100 - 2 while transmitting to the . As a result, the second payment server 100 - 2 may perform payment through the second payment method using the received encryption information.

As another example, it is assumed that encryption information for immediate payment of the second payment method is stored on the second payment server 100 - 2 .

Here, when payment through the first payment method fails, the first payment server 100 - 1 may request payment from the second payment server 100 - 2 .

In this case, the second payment server 100 - 2 may use the encryption information stored on the second payment server 100 - 2 to immediately perform payment through the second payment means.

As a more specific example of FIG. 10 , FIG. 11 is a sequence diagram for explaining an example of operations of a plurality of payment servers that perform mobile phone payment (preliminary payment means) according to a withdrawal result of account payment.

Referring to FIG. 11 , the affiliated store server 20 may receive a user input for ordering/paying at least one product through the customer terminal 10 ( S1105 ).

Accordingly, when a request for account payment is received from the affiliate store server 20 ( S810 ), the first payment server 100 - 1 authenticates for account payment based on the authentication information received from the customer terminal 10 . can be performed (S1115).

When authentication for account payment is performed, the first payment server 100 - 1 may notify the authentication result to the affiliate store server 20 and/or the customer terminal 10 ( S1120 ).

Then, when an approval request is received from the affiliated store server 20 (S1125), the first payment server 100-1 may request a withdrawal from the financial institution server based on the account information registered for the customer terminal 10. There is (S1130).

Here, the first payment server 100-1 may trigger a mobile phone payment based on the information on the withdrawal result received from the financial institution server.

As a specific example, when it is identified that the balance of the account is insufficient according to the withdrawal result guide received from the financial institution server 30 (S1135), the first payment server 100 provides a bill key for mobile phone payment of the customer terminal 10 It can be checked whether is issued (S1140).

When the bill key is issued, the first payment server 100-1 may request approval of the mobile phone payment to the second payment server 100-2 (S1145). As a result, the second payment server 100-2 may request the mobile phone payment approval from the communication company server 40 (S1150), and may receive the approval result (S1155). In addition, the second payment server 100-2 sends the approval result to the first payment server 100-1, and the first payment server 100-1 sends the approval result to the affiliate store server 20 and/or the customer terminal 10. You can guide (S1160, S1165).

Meanwhile, the various embodiments described above may be implemented by combining two or more embodiments as long as they do not conflict with or contradict each other.

Meanwhile, the various embodiments described above may be implemented in a recording medium readable by a computer or a similar device using software, hardware, or a combination thereof.

According to the hardware implementation, the embodiments described in the present disclosure are ASICs (Application Specific Integrated Circuits), DSPs (digital signal processors), DSPDs (digital signal processing devices), PLDs (programmable logic devices), FPGAs (field programmable gate arrays) ), processors, controllers, micro-controllers, microprocessors, and other electrical units for performing other functions may be implemented using at least one.

In some cases, the embodiments described herein may be implemented by the processor itself. According to the software implementation, embodiments such as the procedures and functions described in this specification may be implemented as separate software modules. Each of the above-described software modules may perform one or more functions and operations described herein.

On the other hand, the computer instructions or computer program for performing a processing operation in the electronic device in the server or system according to various embodiments of the present disclosure described above is a non-transitory computer-readable medium (non-transitory computer-readable medium). ) can be stored in When the computer instructions or computer program stored in such a non-transitory computer-readable medium are executed by the processor of the specific device, the specific device performs the processing operation in the server or each device in the system according to the various embodiments described above. .

The non-transitory computer-readable medium refers to a medium that stores data semi-permanently, rather than a medium that stores data for a short moment, such as a register, cache, memory, etc., and can be read by a device. Specific examples of the non-transitory computer-readable medium may include a CD, DVD, hard disk, Blu-ray disk, USB, memory card, ROM, and the like.

In the above, preferred embodiments of the present disclosure have been illustrated and described, but the present disclosure is not limited to the specific embodiments described above, and is commonly used in the technical field pertaining to the present disclosure without departing from the gist of the present disclosure as claimed in the claims. Various modifications may be made by those having the knowledge of

100: payment server 110: memory
120: processor 130: communication unit

Claims (10)

In the hybrid payment method of the payment server,
performing authentication for payment through a first payment means based on authentication information received from the customer terminal when a request for payment is received from the affiliated store server interlocked with the customer terminal;
when the authentication is performed, performing a payment through the first payment means; and
When payment through the first payment method fails, performing payment through a second payment method pre-registered in the payment server;
The step of performing payment through the second payment means,
Selecting at least one payment method according to customer preference set for a plurality of payment methods previously registered in the payment server, and performing payment through the selected payment method,
The customer's preference is
Set for each payment method according to the number of times a payment request through each payment method is received by the payment server,
The hybrid payment method of the payment server,
Further comprising; according to a user input, selecting a full payment through a single payment method or a partial payment through a plurality of payment methods;
The step of performing payment through the second payment means,
In a state in which full payment through the single payment method is selected, when payment through the first payment method fails because the balance or remaining limit of the first payment method is smaller than the price of the product, through the second payment method make payment in full;
The step of performing payment through the second payment means,
When the payment through the first payment method fails because the balance or the remaining limit of the first payment method is less than the price of the product in a state in which the partial payment through the plurality of payment methods is selected, the first payment method Identifies a payable amount, performs payment for the identified payable amount through the first payment means, and receives an amount obtained by subtracting the payable amount from the price of the product through the second payment means make payment,
The hybrid payment method of the payment server,
When the first payment request of the customer terminal is received for the account payment service of the payment server, guiding the terms and conditions items for each account payment and mobile phone payment through the customer terminal;
The step of guiding the terms and conditions items is,
Providing the terms and conditions related to the account payment as mandatory agreement items, and providing the terms and conditions related to the mobile phone payment as optional agreement items,
In the hybrid payment method of the payment server, when a user input to agree to the terms and conditions related to the account payment is received and a user input to agree to the terms and conditions related to the mobile phone payment is not received,
performing first identification through the name, date of birth, and mobile phone number;
when the first identity verification is performed, obtaining a bank and account number of a first account according to a user input received through the customer terminal;
confirming the withdrawal agreement for the bank and account number of the first account; and
Including; setting a password for account settlement of the first account according to a user input received through the customer terminal;
In the hybrid payment method of the payment server, when a user input agreeing to both the terms and conditions related to the account payment and the terms and conditions related to the mobile phone payment is received,
performing a second identity verification through the name, date of birth, and mobile phone number;
when the second identity verification is performed, obtaining a bank and account number of the first account according to a user input received through the customer terminal;
confirming the withdrawal agreement for the bank and account number of the first account;
performing occupancy authentication for the mobile phone payment through the mobile phone number of the customer terminal;
issuing a bill key for the mobile phone payment; and
Setting a password for hybrid payment including account payment and mobile phone payment through the first account according to a user input received through the customer terminal;
The step of performing the second identity verification is,
Perform authentication for account payment and mobile phone payment through the first account through the name, date of birth, and mobile phone number,
Account payment through the first account corresponds to the first payment means, and the mobile phone payment corresponds to the second payment means,
The hybrid payment method of the payment server,
In response to a user input for adding account payment through at least one second account as the second payment means, registering account payment through the second account; further comprising,
The step of performing payment through the second payment means,
When the account payment through the first account fails because the balance of the first account is insufficient, select at least one payment method according to the customer's preference among the mobile phone payment and the account payment through the second account,
When the mobile phone payment is selected, it is determined whether a bill key for the mobile phone payment is registered in the payment server,
If the bill key is registered, the bill key is transmitted to the telecommunication company server without additional user input and payment is performed,
The hybrid payment method of the payment server,
When a user input for setting the account settlement through the second account as the main account corresponding to the first payment means is received, the second account is set as the main account by replacing the first account, and the second account is set as the main account. The hybrid payment method of the payment server further comprising; adding an account payment through the first account as the second payment method. According to claim 1,
The step of performing payment through the second payment means,
Identifies whether encryption information for immediate payment of the second payment means is registered on the payment server,
When the encryption information for the immediate payment is registered, the hybrid payment method of the payment server, wherein the payment is performed immediately through the second payment means without additional user input. 3. The method of claim 2,
The hybrid payment method of the payment server,
When the encryption information for the immediate payment is not registered, transmitting information informing that the payment cannot proceed to the affiliated store server; further comprising a hybrid payment method of a payment server. delete delete delete delete delete delete A hybrid payment method of a payment system comprising a first payment server and a second payment server, the hybrid payment method comprising:
performing, by the first payment server, authentication for payment through a first payment means based on the authentication information received from the customer terminal when a request for payment is received from the affiliated store server interlocked with the customer terminal;
when the authentication is performed, performing, by the first payment server, a payment through the first payment means;
requesting, by the first payment server, a payment to the second payment server when payment through the first payment means fails; and
performing, by the second payment server, a payment through a second payment means previously registered in the second payment server;
The step of performing payment through the second payment means,
Selecting at least one payment method according to customer preference set for a plurality of pre-registered payment methods, and performing payment through the selected payment method,
The customer's preference is
Set for each payment method according to the number of times a payment request through each payment method is received,
The hybrid payment method of the payment system,
Further comprising; according to a user input, selecting a full payment through a single payment method or a partial payment through a plurality of payment methods;
The step of performing payment through the second payment means,
In a state in which full payment through the single payment method is selected, when payment through the first payment method fails because the balance or remaining limit of the first payment method is smaller than the price of the product, through the second payment method make payment in full;
The step of performing payment through the second payment means,
When the payment through the first payment method fails because the balance or the remaining limit of the first payment method is less than the price of the product in a state in which the partial payment through the plurality of payment methods is selected, the first payment method Identifies a payable amount, performs payment for the identified payable amount through the first payment means, and receives an amount obtained by subtracting the payable amount from the price of the product through the second payment means make payment,
The hybrid payment method of the payment system,
When the first payment request of the customer terminal is received with respect to the account payment service of the payment server, the first payment server guiding the terms and conditions items for each account payment and mobile phone payment through the customer terminal; including,
The step of guiding the terms and conditions items is,
Providing the terms and conditions related to the account payment as mandatory agreement items, and providing the terms and conditions related to the mobile phone payment as optional agreement items,
In the hybrid payment method of the payment system, when a user input to agree to the terms and conditions related to the account payment is received and a user input to agree to the terms and conditions related to the mobile phone payment is not received,
performing first identification through the name, date of birth, and mobile phone number;
when the first identity verification is performed, obtaining a bank and account number of a first account according to a user input received through the customer terminal;
confirming the withdrawal agreement for the bank and account number of the first account; and
Including; setting a password for account settlement of the first account according to a user input received through the customer terminal;
In the hybrid payment method of the payment system, when a user input agreeing to both the terms and conditions related to the account payment and the terms and conditions related to the mobile phone payment is received,
performing a second identity verification through the name, date of birth, and mobile phone number;
when the second identity verification is performed, obtaining a bank and account number of the first account according to a user input received through the customer terminal;
confirming the withdrawal agreement for the bank and account number of the first account;
performing occupancy authentication for the mobile phone payment through the mobile phone number of the customer terminal;
issuing a bill key for the mobile phone payment; and
Setting a password for hybrid payment including account payment and mobile phone payment through the first account according to a user input received through the customer terminal;
The step of performing the second identity verification is,
Perform authentication for account payment and mobile phone payment through the first account through the name, date of birth, and mobile phone number,
Account payment through the first account corresponds to the first payment means, and the mobile phone payment corresponds to the second payment means,
The hybrid payment method of the payment system,
In response to a user input for adding account payment through at least one second account as the second payment means, registering account payment through the second account; further comprising,
The step of performing payment through the second payment means,
When the account payment through the first account fails because the balance of the first account is insufficient, select at least one payment method according to the customer's preference among the mobile phone payment and the account payment through the second account,
When the mobile phone payment is selected, it is determined whether a bill key for the mobile phone payment is registered in the payment server,
If the bill key is registered, the bill key is transmitted to the telecommunication company server without additional user input and payment is performed,
The hybrid payment method of the payment system,
When a user input for setting the account settlement through the second account as the main account corresponding to the first payment means is received, the second account is set as the main account by replacing the first account, and the second account is set as the main account. The hybrid payment method of the payment system further comprising; adding an account payment through the first account as the second payment method.

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