KR102575042B1 - Providing method, apparatus and computer-readable medium of proxy payment between users customized for each case - Google Patents

Abstract

In the case-by-case customized proxy payment method between users implemented by a computing device including one or more processors and one or more memories storing instructions executable by the processors according to the present invention, When receiving a payment request through one payment system, a payment determination step of determining whether the payment request is a proxy payment target based on any one of the amount and payment type of the received payment request; a proxy payment request step of transmitting a response request signal to the payment request to a second user account preset as an agent of the first user, when the payment request is the proxy payment target; and a payment step of finally approving the payment request according to a response signal of the second user account to the response request signal. In addition to this, various embodiments understood through this document are possible.

Description

Proxy payment method, device, and computer-readable recording medium between users customized for each case

The present invention relates to a proxy payment technology between users customized for each case, and specifically, when receiving a payment request from a first user through a payment system, whether or not the payment is subject to proxy payment is determined according to the amount and payment type of the received payment request. The present invention relates to a technology for determining whether a proxy payment is subject, transmitting a response request signal to the first user's payment request to a second user account set as an agent of the first user, and finally approving the payment request according to the received response signal. .

Modern life has become more convenient through the recent rapid development of science and technology, and among them, the development of communication technology through the Internet has made it possible for people to communicate anytime, anywhere. Accordingly, people's payment methods have evolved from cash transactions to credit card transactions or simple payments. As this payment method causes a decrease in cash transactions, payers and buyers are expanding without distinguishing between online and offline payment methods in other proxy payment methods. In addition, it is being expanded into more diverse forms due to the effect of increasing user convenience.

In general, in most cases, proxy payment is made by a buyer borrowing a card or other payment method to perform payment on/offline. This is because in order for payment to be made, it is necessary to have the buyer's credit card or simple payment method's password or biometric information. Therefore, this payment method has limitations in making a payment alone without communication with an agent, and proceeding without a communication process poses a risk of financial fraud in attempting payment. In order to solve this inconvenience, a technology for proxy payment, such as Korean Patent Registration No. 10-2015-0152337, is disclosed, but only a method for selecting a proxy payer is disclosed, which is technically insufficient. .

That is, the existing technology does not include a proxy payment method that covers a wide range of situations, so it is difficult to propose a custom proxy payment method for each case to the user.

The present invention was conceived to solve the above-mentioned problems, and by providing a user with a proxy payment method customized for each case to the user, when the user performs proxy payment, the proxy payment can be performed in a more efficient way than the prior art. Its purpose is to provide technology that enables users to make proxy payments more safely, and also helps goods or service providers solve payment processing problems that may arise from proxy payments.

In order to achieve the above object, a case-by-case customized proxy payment method between users implemented in a computing device including one or more processors and one or more memories for storing instructions executable by the processors according to an embodiment of the present invention, When receiving a payment request through one payment system from a first user who is a user subject to proxy payment, payment to determine whether the payment request is a proxy payment target based on any one of the amount and payment type of the received payment request judgment stage; a proxy payment request step of transmitting a response request signal to the payment request to a second user account preset as an agent of the first user, when the payment request is the proxy payment target; and a payment step of finally approving the payment request according to a response signal of the second user account to the response request signal.

At this time, the above-described payment determination step is information set between the first user and the second user, and the payment request is determined according to user relationship information, which is information about the range of proxy payment for determining whether the proxy payment is the target. It is desirable to be able to additionally determine whether or not the payment is made by proxy.

In addition, the above-described user relationship information preferably includes a criterion for determining whether the payment request is a proxy payment target regardless of the amount and the payment type.

In addition, in the above-described payment determination step, according to user relationship information set between the first user and the second user, a payment type to be paid by proxy is automatically set in advance, or the first user and the second user are set. It is set according to the input, and when determining whether the proxy payment target is determined, it is preferable to determine whether the proxy payment target is based on the set payment type.

In addition, after performing the above-described payment determination step, if the payment amount is less than the limit amount set for each first user, the payment is performed according to the payment process with the first user, but the payment with the first user is made according to the payment type. It is preferable to further include a direct payment step in which a plurality of payment limit amounts that can be paid according to the process are set and the payment process proceeds effectively within the range of the payment limit amount.

In addition, in performing the above-described direct payment step, when the payment requested amount of the first user exceeds the payment limit, it is preferable to perform the proxy payment request step.

In addition, if there is no response signal from the second user within the first predetermined threshold time after performing the above-described proxy payment request step, the payment is made by the payment process with the first user, but the payment is temporarily Deposit in the account, cancel the payment if there is no response signal from the second user within a predetermined second threshold time from the point at which the payment process is completed, and pay if there is a response signal from the second user within the second threshold time It is preferable to further include; payment settlement step of normally completing.

Meanwhile, in a computing device including one or more processors according to an embodiment of the present invention and one or more memories storing commands executable by the processors, a payment request through a payment system is requested from a first user who is a user to be paid by proxy. When receiving, a payment determination unit for determining whether the payment request is a proxy payment target based on any one of the amount and payment type of the received payment request; a proxy payment requesting unit that transmits a response request signal to the payment request to a second user account preset as an agent of the first user when the payment request is the proxy payment target; and a payment unit that finally approves the payment request according to a response signal of the second user account to the response request signal.

According to the present invention, by providing users with proxy payment technology customized for each case, users can use proxy payment more conveniently, and minors whose consumption habits have not yet been established, the elderly who receive and use living expenses from their guardians, or the employed Employees and the like in relationships can help make payments in real life.

In addition, through the present invention, proxy payment is performed based on the amount and payment type, and furthermore, the payment limit is set according to the payment type, so that reckless overspending by the agent can be prevented in advance.

In addition, different limits can be set for each user and payment type, and if the limit is exceeded, a second user's payment request approval is required, so you can live a more efficient financial life and prevent financial fraud such as voice phishing. By preventing it, there is an effect of making safe financial transactions.

1 to 3 are flowcharts of a proxy payment method between customized users for each case according to an embodiment of the present invention.
4 is an example of a notification screen displayed on a user terminal of a second user account for a proxy payment method between users customized for each case according to an embodiment of the present invention.
5 is a configuration block diagram of a proxy payment device between customized users for each case according to an embodiment of the present invention.
6 is an example of an internal configuration of a computing device according to an embodiment of the present invention.

In the following, various embodiments and/or aspects are disclosed with reference now to the drawings. In the following description, for purposes of explanation, numerous specific details are set forth in order to facilitate a general understanding of one or more aspects. However, it will also be appreciated by those skilled in the art that such aspect(s) may be practiced without these specific details. The following description and accompanying drawings describe in detail certain illustrative aspects of one or more aspects. However, these aspects are exemplary and some of the various methods in principle of the various aspects may be used, and the described descriptions are intended to include all such aspects and their equivalents.

References to “embodiment,” “example,” “aspect,” “example,” etc., used in this specification should not be construed as indicating that any aspect or design described is preferable to or advantageous over other aspects or designs. .

Also, the terms "comprises" and/or "comprising" mean that the feature and/or element is present, but excludes the presence or addition of one or more other features, elements and/or groups thereof. It should be understood that it does not.

In addition, terms including ordinal numbers such as first and second may be used to describe various components, but the components are not limited by the terms. These terms are only used for the purpose of distinguishing one component from another. For example, a first element may be termed a second element, and similarly, a second element may be termed a first element, without departing from the scope of the present invention. The terms and/or include any combination of a plurality of related recited items or any of a plurality of related recited items.

In addition, in the embodiments of the present invention, unless otherwise defined, all terms used herein, including technical or scientific terms, are those commonly understood by those of ordinary skill in the art to which the present invention belongs. have the same meaning. Terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with the meaning in the context of the related art, and unless explicitly defined in the embodiments of the present invention, an ideal or excessively formal meaning not be interpreted as

1 to 3 are flowcharts of a proxy payment method between users customized for each case according to an embodiment of the present invention, and FIG. 4 is a second user account for the proxy payment method between users customized for each case according to an embodiment of the present invention. An example of a notification screen output to a user terminal of, Figure 5 is a configuration block diagram of a proxy payment device between customized users for each case according to an embodiment of the present invention, Figure 6 is the inside of a computing device according to an embodiment of the present invention This is an example of a configuration. In the following description, a number of drawings may be referred to together for description of various embodiments and components of the present invention.

Referring to the above drawings, the present invention is related to a method for providing proxy payment between users customized for each case (hereinafter referred to as the 'method of the present invention'), and receives a payment request from a first user who is a proxy payment target user. It is an object of the present invention to provide a customized proxy payment system to a user by determining whether a proxy payment is a target, transmitting a response request signal to the second user, and determining whether to request a proxy payment according to the response signal. This is first a computing device to be mentioned in the description of FIG. 6 described later or an apparatus for providing proxy payment between users customized for each case according to an embodiment of the present invention shown in FIG. 5 (10, hereinafter referred to as 'device of the present invention'. ) can be implemented by each component of That is, in the relationship between the computing device of FIG. 6 and the device 10 of the present invention of FIG. 5, the computing device includes the device 10 of the present invention, both configurations are the same, or groupware including a plurality of computing devices. It can be understood that constitutes the device 10 of the present invention.

Referring to FIG. 1 based on the above-described basic information, it can be seen that FIG. 1 shows a flowchart of a method for providing proxy payment between customized users for each case according to an embodiment of the present invention.

Referring to the foregoing description, in the execution of the method of the present invention, when the computing device receives a payment request through one payment system from the first user, who is a user to be paid by proxy, the amount of the received payment request and A payment determination step (S100) of determining whether the payment request is a proxy payment target based on one of the payment types is performed.

That is, in step S100, when the first user selects proxy payment, a payment request is transmitted to a pre-set agent. At this time, the computing device transmits the payment request based on one of the amount and payment type. You can judge whether it fits.

In this case, the first user is a person requesting proxy payment, and may correspond to, for example, a minor, an elderly person, an employee in an employment relationship, and the like, but the present invention is not limited thereto. The above-described first user may be generally classified as immature to perform payment or a person who does not have complete authority, and people according to this classification have difficulty in performing payment by their own decision. There is an effect that can be proposed as a way to resolve the grievance.

In the present invention, determining whether a proxy payment is a target according to the amount and payment type of a payment request can prevent the first user from indiscriminate consumption while pre-set as the first user and the first user's agent to help appropriate consumption practices. It may be determined according to mutual agreement of the second user or may be determined according to a preset value of the computing device of the present invention.

Based on the amount of the payment request described above in the present invention, the amount of the payment request can be understood as a kind of limit on the amount to prevent the user from making an indiscriminate payment, and when the amount exceeds a certain amount, the computing device is determined to be the target of proxy payment. can do.

In the execution of the step S100, the payment type corresponding to one of the factors determining whether the agent is subject to payment may be classified into a place of purchase, payment item, payment method, online/offline, and the like.

On the other hand, the payment form of the above-mentioned payment request may include, for example, hospital expenses, academy expenses, goods purchase costs, transportation expenses, convenience store usage costs, etc., and hospital expenses, academy expenses, goods purchase expenses, etc. However, transportation expenses, convenience store usage expenses, etc. may not be subject to proxy payment authentication.

Among the above-mentioned payment types in the present invention, the amount of payment is relatively large for the first user, who is the subject of requesting proxy payment, to pay for hospital expenses, school expenses, goods purchase expenses, etc. that are subject to proxy payment authentication. In many cases, it is not necessary to do so, so it may be subject to proxy payment authentication, and the amount of payment because the first user pays for expenses such as transportation and convenience store expenses that are not subject to proxy payment authentication without approval from the second user A payment form corresponding to a case where is relatively small and a payment must be made quickly without time delay may be included.

Meanwhile, when the determination of whether the payment request is a proxy payment target is completed by performing the above-described step S100, if the payment request is a proxy payment target, a response to the payment request to the second user account preset as the proxy of the first user. A proxy payment request step (S200) of transmitting a request signal is performed.

In the execution of step S200, the second user is a person preset as an agent of the first user, and may refer to, for example, a parent of a minor, a guardian of the elderly, or a person corresponding to A in an employment relationship, and the present invention Not limited to this.

In addition, the above-described relationship between the first user and the second user may be set in advance, and proxy payment may be made based on the preset relationship. Therefore, an agent may be set whenever a proxy payment is requested. It may be desirable to establish a relationship that is not continuously maintained.

4 illustrates an example of a notification screen displayed on a user terminal of a second user account for a proxy payment method between users customized for each case according to an embodiment of the present invention.

In the present invention, the response request signal to the payment request may include a signal requesting authentication of the second user, and by requesting a response signal to the payment authentication of the second user for the proxy payment, the first user is indiscriminately represented. It is effective in preventing damage caused by payment or voice phishing.

In addition, referring to a of FIG. 4, for example, even when a response signal to the payment request is not requested because the first user is not determined as a proxy payment target, the computing device of the present invention makes a payment that does not correspond to proxy payment by the first user. When the attempt is made, notification information such as “The 'child' user has paid '5,300 won' at 'OO convenience store'” can be provided to the second user in real time through the user terminal of the second user, and the user terminal It may include PCs, laptops, smartphones, and the like.

When step S200 is completed, the computing device performs a payment step (S300) of finally approving the payment request according to the response signal of the second user account to the response request signal.

Accordingly, for example, when a response signal including payment authentication of the second user account to the response request signal transmitted in step S200 is received, the payment is finally approved, and the proxy payment of the first user may be accepted.

Meanwhile, payment authentication performed in step S300 may be authenticated through a password or biometric information previously set in the second user account, but the present invention is not limited thereto.

For example, when an account of a minor, the first user, tries to pay 300,000 won for school fees, the payment determination step of the computing device of the present invention determines the amount and payment type of the payment request as a proxy payment target. . Therefore, since the above-described payment request is determined as a proxy payment target, a process of transmitting a response request signal to the payment request to the account of the guardian, who is the second user preset as an agent of the first user, is performed by the proxy payment request step. It can be. After that, in the payment step, when the account of the second user, the guardian, in response to the response request signal performs payment authentication for proxy payment, the computing device of the present invention receives such a payment signal and the payment request of the first user is finally approved. Proxy payments may be made.

Substantial payment progress through the payment method in the above example may be performed through a card owned by the second user account or a simple payment service.

On the other hand, the simple payment service reduces the process of entering credit card information, public certificates, or OTP each time in the existing card-based payment process using mobile or PC, and various payment methods such as credit card, account transfer, and prepaid payment method on mobile It refers to a service in which payment can be made with a simple payment password or a simple authentication process of a biometric authentication method at the time of actual payment after registering the means in advance. Such simple payment services are continuously increasing in terms of the number of uses and payment amounts. The Bank of Korea explains that as non-face-to-face online transactions continue to spread, the use of simple payments through electronic financial companies has increased significantly. The emergence of new mobile payment methods such as simple payment services is based on the development of innovative IT technology.

Meanwhile, in the payment determination step, it may be additionally determined whether the payment request of the first user is a proxy payment target according to the user relationship information.

The above-described user relationship information is information including a relationship established between the first user and the second user, and as described above, for example, the relationship between a minor and a parent, a relationship between an elderly person and a guardian, and A and B generated through employment. It can be divided into relationships or other agency-setting relationships.

That is, in the present invention, the user relationship information is additionally used to determine whether or not to be subject to proxy payment, and through this, according to each set user relationship information, even if it is included in the predetermined amount and payment type, which are the above-described proxy payment target determination conditions, When one user needs to make a direct payment, the payment can be made directly without the computing device of the present invention transmitting a request signal for a response to the proxy payment request.

For example, referring to b of FIG. 4, when the predetermined amount limit of the payment request is set to 50,000 won, and the first user, the elderly, goes to the hospital and tries to pay an amount exceeding the amount limit of 50,000 won, However, in this case, since the user relationship information set between the first user and the second user is set as the relationship between the elderly and the guardian, direct payment without going through a proxy payment process. may proceed. At this time, through the user terminal of the guardian, who is the second user, notification information such as "The 'elderly' user directly paid '78,000 won', an amount exceeding the amount limit of '50,000 won' at 'OO Hospital'." can provide

In addition, for example, if the user relationship information is the relationship between A and B created through employment, and a card is added as a payment method, the second user informs the first user of the card information, so it is not subject to proxy payment. can be judged to be However, when the payment item is an office fixture included as a substitute payment target, the proxy payment process may proceed by sending a response request signal to the payment request to the second user regardless of the above circumstances.

That is, in the present invention, the computing device may use the user relationship information as a criterion for determining whether the payment request is subject to proxy payment regardless of the amount and payment type.

On the other hand, in the payment determination step (S100), a payment type subject to proxy payment may be automatically set in advance or may be set according to setting inputs of the first user and the second user. For example, if the user relationship information is set to the relationship between a minor and a guardian, the default setting may be set to proceed with the proxy payment process of FIG. 1, but manually by mutual consultation between the first user and the second user You can change whether or not to proceed with the proxy payment process.

For example, since the user relationship information of the first user and the second user is set to a minor and a guardian, and the proxy payment process is automatically performed, the payment type is set under consultation between the first user and the second user. After doing this, you can proceed after making a judgment according to the pre-set payment type. When the age of the minor, the first user, is low, it may be difficult to make a payment, so the standard for the payment type can be strengthened under the agreement between the first user and the second user. When the number of users increases and becomes accustomed to payment to some extent, similarly, convenience and efficiency may be increased by relaxing the standard for the payment form compared to the existing setting under the agreement between the first user and the second user.

Therefore, in the present invention, it is possible to create an effect capable of realizing a user-customized proxy payment process by enabling these settings to be changed according to circumstances.

Next, referring to FIG. 2 showing another embodiment of the present invention, in the present invention, after performing the payment determination step, which is step S100 of FIG. 1 described above, when the payment amount is less than the limit amount set for each first user, the first user The payment is performed according to the payment process with the first user, but a plurality of payment limit amounts are set according to the payment type and the payment process is effective within the range of the payment limit amount. A direct payment step (S400) may be further performed.

In the present invention, the limit amount (first amount) set for each first user may refer to the limit amount set collectively in the proxy payment process, and depending on the payment type, the payment limit that can be paid according to the payment process with the first user The amount (second amount) may mean an individual limit amount set for each payment type.

In the execution of step S400, for example, if the payment amount to be paid by the first user is less than the limit amount (first amount), the proxy payment process of FIG. 1 may be performed, but after determining the type of payment, It may be determined once more whether the user is located within the payment limit amount (the second amount) in which payment is possible. At this time, if the amount to be paid by the first user is less than the payment limit amount (second amount) that can be paid according to the payment type, the payment process proceeds as usual, but if the amount exceeds the payment limit amount (second amount) The proxy payment process may proceed again.

For example, when the limit amount (first amount) that the first user, a minor, can pay is set to 300,000 won, the first user can pay 300,000 won according to the payment type and setting inputs of the first and second users. Direct payment may be possible for an amount less than KRW. At this time, in performing the direct payment step (S400), the payment limit amount (second amount) that can be paid according to the payment type is set to 300,000 won or less when purchasing goods and 50,000 won or less when paying for food, respectively. Therefore, the first user, a minor, may be able to pay directly for the amount of 30,000 won for food. Therefore, the proxy payment request step can be performed. At this time, although the maximum amount of the first amount is not exceeded, since the limit of the second amount, which is the payment limit amount set according to the payment type, is exceeded, a proxy payment process may be performed.

In the above example, there are two types of each payment limit amount (second amount), but in the present invention, this is not limited and it is preferable that it can be changed according to the user's setting.

That is, through this direct payment step (S400), the user can set a payment limit (second amount) according to different payment types, thereby leading a more efficient consumption and payment life. In addition, when there is only a generally set basic limit amount (first amount), the user has no choice but to set the maximum amount, but in the present invention, the payment limit (second amount) can be set differently for each payment type. Therefore, it is possible to enjoy the effect of increasing the stability of user payment.

Next, referring to FIG. 3, the computing device of the present invention, after step S200 is completed, when there is no response signal from the second user within a preset first threshold time, the computing device performs a payment process with the first user. However, if the payment is deposited in a temporary account and there is no response signal from the second user within a preset second threshold time from the point at which the payment process is completed, the payment is canceled, and the payment is canceled within the second threshold time. When there is a response signal from the second user, a payment settlement step (S500) of normally completing the payment may be performed.

The purpose of depositing the payment in the temporary account in the performance of step S500 is to prepare for a situation in which the payment must be completed in a short time when the first user attempts a proxy payment, and accordingly, the first user and the goods And it may have an effect of increasing the convenience of the service provider.

In addition, in performing step S500, the payment can be completed normally only when the second user transmits a response signal including payment authentication for approving proxy payment within a preset second threshold time from the point at which the payment process is completed.

Meanwhile, when the second user does not transmit a response signal including payment authentication for approving proxy payment within a predetermined second threshold time from the point at which the above-described payment process is completed, the payment may be canceled.

For example, when a first user has to pay a fee to use a courier service, there are many situations in which the payment must be completed within a relatively short time. When the service usage fee is set as an item that needs to go through a proxy payment process, a response signal including payment authentication of the second user account is requested. At this time, a time limit of 5 minutes, which is a preset first threshold time, is set for rapid payment progress, and the second user account must transmit a response signal. At this time, after 5 minutes, it is determined that the second user cannot make a payment, and the payment is deposited in the temporary account, so that the temporary payment proceeds. Thereafter, within 10 minutes, which is the second critical time, the second user account must send a response signal including a payment authentication for approving payment by proxy to pay the payment, otherwise the payment may be canceled.

That is, when the payment is not made within the first threshold time, the final payment can be normally completed only when a response signal including payment authentication is transmitted within the second threshold time.

5 is a block diagram of a proxy payment method between customized users for each case according to an embodiment of the present invention.

Referring to FIG. 5, the proxy payment system 10 customized for each case includes a payment determination unit 11, a proxy payment request unit 12, a payment unit 13, a direct payment unit 14, and a payment settlement unit. (15) may be included.

According to an embodiment, when the payment determination unit 11 receives a payment request through a payment system from a first user who is a user to be paid by proxy, based on any one of the amount and payment type of the received payment request. With this, it is possible to determine whether the payment request is subject to proxy payment. That is, it will be understood as a configuration that performs all the functions described in step S100 in the above description.

According to an embodiment, when the payment request is a proxy payment target, the proxy payment request unit 12 may transmit a response request signal to the payment request to a second user account preset as an agent of the first user. That is, it will be understood as a configuration that performs all the functions described in step S200 in the above description.

According to an embodiment, the payment unit 13 may finally approve the payment request according to the response signal of the second user account to the response request signal. That is, it will be understood as a configuration that performs all the functions described in step S300 in the above description.

According to an embodiment, the direct payment unit 14 performs a payment according to a payment process with the first user when the payment amount is less than the limit amount set for each first user, but the payment with the first user according to the payment type. A plurality of payment limit amounts that can be paid according to the process are set, and the payment process can proceed effectively within the range of the payment limit amount. That is, it will be understood as a configuration that performs all the functions described in step S400 in the above description.

According to an embodiment, the payment settlement unit 15, when there is no response signal from the second user within a preset first threshold time, makes the payment by the payment process with the first user, but sets the payment amount Deposit in a temporary account, cancel payment if there is no response signal from the second user within a predetermined second threshold time from the point at which the payment process is completed, and pay if there is a response signal from the second user within the second threshold time can be completed normally. That is, it will be understood as a configuration that performs all the functions described in step S500 in the above description.

6 illustrates an example of an internal configuration of a computing device according to an embodiment of the present invention, and in the following description, descriptions of unnecessary embodiments overlapping with those of FIGS. 1 to 5 will be omitted. do it with

As shown in FIG. 6, a computing device 10000 includes at least one processor 11100, a memory 11200, a peripheral interface 11300, an input/output subsystem ( It may include at least an I/O subsystem (11400), a power circuit (11500), and a communication circuit (11600). In this case, the computing device 10000 may correspond to the user terminal device A connected to the tactile interface device or the aforementioned computing device B.

The memory 11200 may include, for example, high-speed random access memory, magnetic disk, SRAM, DRAM, ROM, flash memory, or non-volatile memory. there is. The memory 11200 may include a software module, a command set, or other various data necessary for the operation of the computing device 10000.

In this case, access to the memory 11200 from other components, such as the processor 11100 or the peripheral device interface 11300, may be controlled by the processor 11100.

Peripheral interface 11300 may couple input and/or output peripherals of computing device 10000 to processor 11100 and memory 11200 . The processor 11100 may execute various functions for the computing device 10000 and process data by executing software modules or command sets stored in the memory 11200 .

Input/output subsystem 11400 can couple various input/output peripherals to peripheral interface 11300. For example, the input/output subsystem 11400 may include a controller for coupling a peripheral device such as a monitor, keyboard, mouse, printer, or touch screen or sensor to the peripheral interface 11300 as needed. According to another aspect, input/output peripherals may be coupled to the peripheral interface 11300 without going through the input/output subsystem 11400.

The power circuit 11500 may supply power to all or some of the terminal's components. For example, power circuit 11500 may include a power management system, one or more power sources such as a battery or alternating current (AC), a charging system, a power failure detection circuit, a power converter or inverter, a power status indicator or power It may contain any other components for creation, management and distribution.

The communication circuit 11600 may enable communication with another computing device using at least one external port.

Alternatively, as described above, the communication circuit 11600 may include an RF circuit and transmit/receive an RF signal, also known as an electromagnetic signal, to enable communication with another computing device.

The embodiment of FIG. 6 is just one example of the computing device 10000, and the computing device 11000 may omit some of the components shown in FIG. 6, further include additional components not shown in FIG. It may have a configuration or arrangement combining two or more components. For example, a computing device for a communication terminal in a mobile environment may further include a touch screen or a sensor in addition to the components shown in FIG. , Bluetooth, NFC, Zigbee, etc.) may include a circuit for RF communication. Components that may be included in the computing device 10000 may be implemented as hardware including one or more signal processing or application-specific integrated circuits, software, or a combination of both hardware and software.

Methods according to embodiments of the present invention may be implemented in the form of program instructions that can be executed through various computing devices and recorded in computer readable media. In particular, the program according to the present embodiment may be configured as a PC-based program or a mobile terminal-only application. An application to which the present invention is applied may be installed in a user terminal through a file provided by a file distribution system. For example, the file distribution system may include a file transmission unit (not shown) that transmits the file according to a request of a user terminal device.

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

Software may include a computer program, code, instructions, or a combination of one or more of the foregoing, which configures a processing device to operate as desired or processes independently or collectively. You can command the device. Software and/or data may be any tangible machine, component, physical device, virtual equipment, computer storage medium or device, intended to be interpreted by or to provide instructions or data to a processing device. may be permanently or temporarily embodied in Software may be distributed on networked computing devices and stored or executed in a distributed manner. Software and data may be stored on one or more computer readable media.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the medium may be specially designed and configured for the embodiment, or may be known and usable to those skilled in computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic media such as floptical disks. - includes hardware devices specially configured to store and execute program instructions, such as magneto-optical media, and ROM, RAM, flash memory, and the like. Examples of program instructions include high-level language codes that can be executed by a computer using an interpreter, as well as machine language codes such as those produced by a compiler. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

As described above, although the embodiments have been described with limited examples and drawings, those skilled in the art can make various modifications and variations from the above description. For example, the described techniques may be performed in an order different from the method described, and/or components of the described system, structure, device, circuit, etc. may be combined or combined in a different form than the method described, or other components may be used. Or even if it is replaced or substituted by equivalents, appropriate results can be achieved. Therefore, other implementations, other embodiments, and equivalents of the claims are within the scope of the following claims.

Claims (9)

A proxy payment method between customized users for each case implemented by a computing device including one or more processors and one or more memories storing instructions executable by the processors,
When receiving a payment request through one payment system from a first user who is a user subject to proxy payment, payment to determine whether the payment request is a proxy payment target based on any one of the amount and payment type of the received payment request judgment stage;
a proxy payment request step of transmitting a response request signal to the payment request to a second user account preset as an agent of the first user, when the payment request is the proxy payment target; and
A payment step of finally approving the payment request according to a response signal of the second user account to the response request signal; including,
After performing the payment determination step,
If the payment amount is less than the limit amount (first amount) set collectively for each first user, the payment is made according to the payment process with the first user,
According to the payment type, a plurality of payment limit amounts (second amount) that can be paid according to the payment process with the first user are set for each type of item to be paid, and the payment process is effective within the range of the payment limit amount. A direct payment step to proceed; further comprising,
Even if the payment amount is less than the first amount, if it exceeds the second amount, proceed with the proxy payment process,
After performing the proxy payment request step,
When there is no response signal from the second user within a predetermined first threshold time, the payment is made through the payment process with the first user, but the payment is deposited in a temporary account to proceed with the temporary payment,
When there is no response signal from the second user within a predetermined second threshold time from the point at which the payment process is completed, the second user's response including payment authentication for canceling the payment and approving proxy payment within the second threshold time A payment settlement step in which the payment is paid and the payment is normally completed when there is a signal.
According to claim 1,
The payment determination step,
As information set between the first user and the second user, it is additionally determined whether the payment request is the proxy payment target according to user relationship information, which is information about the range of proxy payment for determining whether the proxy payment is the target. A proxy payment method between customized users for each case, characterized in that for determining.
According to claim 2,
The user relationship information,
A proxy payment method between customized users for each case, characterized in that the criterion for determining whether the payment request is the target of the proxy payment regardless of the amount and the payment type.
According to claim 1,
The payment determination step,
According to the user relationship information established between the first user and the second user, a payment type subject to proxy payment is automatically set in advance or set according to setting inputs of the first user and the second user,
Proxy payment method between customized users for each case, characterized in that when determining whether or not to be subject to proxy payment, whether or not to be subject to proxy payment is determined based on the set payment type
delete According to claim 1,
In performing the direct payment step, when the amount requested for payment for the first user exceeds the payment limit amount, the proxy payment request step is performed.
delete In a proxy payment device customized for each case implemented by a computing device including one or more processors and one or more memories for storing instructions executable by the processors,
When receiving a payment request through one payment system from a first user who is a user subject to proxy payment, payment to determine whether the payment request is a proxy payment target based on any one of the amount and payment type of the received payment request judging department;
a proxy payment requesting unit that transmits a response request signal to the payment request to a second user account preset as an agent of the first user when the payment request is the proxy payment target; and
A payment unit that finally approves the payment request according to the response signal of the second user account to the response request signal;
After performing the payment determination unit,
If the payment amount is less than the limit amount (first amount) set collectively for each first user, the payment is made according to the payment process with the first user,
According to the payment type, a plurality of payment limit amounts (second amount) that can be paid according to the payment process with the first user are set for each type of item to be paid, and the payment process is effective within the range of the payment limit amount. A direct payment unit to proceed; further comprising,
Even if the payment amount is less than the first amount, if it exceeds the second amount, proceed with the proxy payment process,
After performing the proxy payment request unit,
When there is no response signal from the second user within a predetermined first threshold time, the payment is made through the payment process with the first user, but the payment is deposited in a temporary account to proceed with the temporary payment,
When there is no response signal from the second user within a predetermined second threshold time from the point at which the payment process is completed, the second user's response including payment authentication for canceling the payment and approving proxy payment within the second threshold time If there is a signal, the payment is paid and the payment settlement unit for normally completing the payment; Customizable proxy payment device for each case, characterized in that it further comprises.

As a computer-readable recording medium,
The computer-readable medium stores instructions for causing a computing device to perform the following steps, which include:
When receiving a payment request through one payment system from a first user who is a user subject to proxy payment, payment to determine whether the payment request is a proxy payment target based on any one of the amount and payment type of the received payment request judgment stage;
a proxy payment request step of transmitting a response request signal to the payment request to a second user account preset as an agent of the first user, when the payment request is the proxy payment target; and
A payment step of finally approving the payment request according to a response signal of the second user account to the response request signal; including,
After performing the payment determination step,
If the payment amount is less than the limit amount (first amount) set collectively for each first user, the payment is made according to the payment process with the first user,
According to the payment type, a plurality of payment limit amounts (second amount) that can be paid according to the payment process with the first user are set for each type of item to be paid, and the payment process is effective within the range of the payment limit amount. A direct payment step to proceed; further comprising,
Even if the payment amount is less than the first amount, if it exceeds the second amount, proceed with the proxy payment process,
After performing the proxy payment request step,
When there is no response signal from the second user within a predetermined first threshold time, the payment is made through the payment process with the first user, but the payment is deposited in a temporary account to proceed with the temporary payment,
When there is no response signal from the second user within a predetermined second threshold time from the point at which the payment process is completed, the second user's response including payment authentication for canceling the payment and approving proxy payment within the second threshold time A computer-readable recording medium further comprising: a payment settlement step in which the payment is paid and the payment is normally completed when there is a signal.