KR102623296B1 - Method for managing a simple payment - Google Patents

Abstract

The present invention is for activating a simple payment service, comprising: providing an interface for performing a registration process for at least one simple payment company to a device connected through a wired or wireless network from a simple payment integrated management server; After receiving the input data from the device, processing the simple payment company subscription of the affiliated store corresponding to the input data by linking with the device of the simple payment company, and when the simple payment request is made as the simple payment request is received from an external source. A step of performing a payment process by connecting with the device of the simple payment company corresponding to the received simple payment company information, and providing the corresponding payment completion data to the affiliated store's device and the payer's device as the payment is approved according to the payment process. A simple payment integrated management method including the following steps can be provided.

Description

Simple payment integrated management method {Method for managing a simple payment}

The present invention relates to a simple payment integrated management method that can simplify simple payment subscription and payment services.

The content described below simply provides background information related to this embodiment and does not constitute prior art.

Recently, the mobile simple payment market has been growing at a rapid pace due to the proliferation of smartphones and the emergence of various authentication methods. Simple payment is a payment method that allows users to register payment information such as credit card or account number in advance on a smartphone or PC and then complete the purchase of a product or service by simply entering a password or fingerprint recognition.

Recently, as the number of payment methods using mobile devices such as smartphones has increased, various payment methods are emerging. When making a payment through a payment application based on a mobile operating system, various payment gateways provide payment services by providing a payment platform.

Normally, when paying by running an application installed on a mobile terminal in an online payment, it is not possible to know which application to run among multiple applications that provide a payment method, so the user must specify the payment application every time he or she makes a payment. There is discomfort.

For offline payments, in the case of Android phones, the NFC function is open, so payment using the NFC function is possible, but in the case of the iPhone, even though the NFC function is built-in, the NFC function is not open according to Apple policy, making payment difficult. There is.

Mobile near-field payment refers to paying by means of a handset or other mobile device. Mobile devices interact with merchants' payment terminals and information using channels such as near field communication (NFC), infrared, and Bluetooth.

NFC is a widely developed short-range wireless communication technology. This enables data exchange between electronic devices by non-contact point-to-point data transmission.

However, in general, in order to perform mobile short-distance payments offline, there is a problem that a separate dongle for short-distance communication must be inserted into the POS. In other words, in the case of separate dongles for performing mobile payments offline, most of them are expensive, so merchants must bear additional costs, so technology that can perform mobile payments offline without paying additional costs is needed. in need.

Meanwhile, mobile simple payment services began to show results in Korea in 2014, and as the simple payment system passed the Financial Supervisory Service's security review standards, various types of mobile simple payment services such as Kakao Pay emerged. Since March 2015, the obligation to use public certificates for electronic financial transactions has been eliminated, and the number of mobile simple payment services has increased to over 50 at one point.

According to the results of a survey by the Korea Financial Supervisory Service, a total of 39 banks, credit card companies, and electronic financial companies in Korea were found to have launched 48 different types of simple payment services.

Such simple payment services are expected to continue to increase in the future, and accordingly, affiliated stores face the inconvenience of having to subscribe to the simple payment service one by one in order to provide the simple payment service.

In other words, even with simple mobile payments, most transactions are actually made with cards, so you cannot be free from the burden of card payment fees, and the cost of introducing payment terminals that support various simple payment services cannot be ignored, so store operators and store owners For me, the growth of mobile simple payments was not very welcome.

In this way, various types of mobile simple payments have been developed and used. When a user wants to make a payment using simple payment at a specific affiliated store, the types of simple payment that can be used by signing up for each affiliated store are different. It is difficult to check the type of simple payment, and there is the inconvenience of having to individually inquire with the affiliated store staff about the type of simple payment available each time a payment is made.

Moreover, if there are many types of simple payments that the user has registered on the mobile terminal, the user must remember all the types of simple payments that the user has signed up for, and check the types of simple payments available at the affiliated store before using them for payment, which is inconvenient in use. has

Korean Patent No. 10-2215534 (registered on February 5, 2021)

The present invention provides a simple payment integrated management method that can simplify the affiliated store registration process for simple payment by allowing affiliated stores to subscribe to multiple simple payment services through a network.

In addition, the present invention provides a simple payment integrated management method that can improve the convenience of affiliated stores by providing an interface that allows affiliated stores to view and modify the simple payment service they have subscribed to.

In addition, the present invention provides a simple payment integrated management method that can improve the manageability of the simple payment service of the affiliated store by providing information about the newly added simple payment service to the affiliated store.

The object of the present invention is not limited to the object mentioned above, and other objects not mentioned will be clearly understood by those skilled in the art from the description below.

In order to solve the problem to be solved above, the simple payment integrated management method according to an embodiment of the present invention is an interface for performing the registration process for at least one simple payment company on a device connected through a wired or wireless network from the simple payment integrated management server. A step of providing, receiving data input from the device through the interface, and then linking with the device of the simple payment company to process the simple payment company subscription of the affiliated store corresponding to the input data, and simple payment from the outside. As a payment request is received, performing a payment process by connecting to the device of the simple payment company corresponding to the information of the simple payment company received at the time of the simple payment request, and completing the corresponding payment as the payment is approved according to the payment process. It may include providing data to the affiliated store's device and the payer's device.

According to an embodiment of the present invention, the simple payment request may be received from the payer's device, which reads a code including connection information for the simple payment company's device, payment amount, and affiliated store information on the affiliated store's device.

According to an embodiment of the present invention, the simple payment request may be received from the affiliated store's device that reads the code displayed on the payer's device, or may be received from the affiliated store's device that reads payment method information from the payer's device. .

According to an embodiment of the present invention, the step of providing the interface involves uploading data on the business registration certificate and ID card of the affiliated store required to create a selection window and contract file for selecting at least one of a plurality of simple payment companies. An uploading interface can be provided.

According to an embodiment of the present invention, the simple payment integrated management method provides an interface for changing and modifying the information of the simple payment company to which the affiliated store is registered (hereinafter referred to as 'simple payment company subscription information') on the affiliated store's device. Additional steps may be included.

According to an embodiment of the present invention, the step of providing the interface may provide the interface through an application distributed on a device owned by the manager of the affiliated store.

According to an embodiment of the present invention, the simple payment integrated management method provides a message to the affiliated store's device to induce a subscription request for the registered simple payment company as a new simple payment company is registered in the simple payment integrated management server. It may further include processing the affiliated store's subscription to the registered simple payment company by linking with a device of the registered simple payment company as a subscription request is received in response to the message.

According to an embodiment of the present invention, the simple payment integrated management method provides information on the simple payment company corresponding to the received information when the affiliated store is not registered with the simple payment company corresponding to the information received when requesting the simple payment. It may further include transmitting a message to encourage subscription to the affiliated store's device, and processing a temporary subscription for the affiliated store as a subscription request is received from the affiliated store's device and then proceeding with a payment process.

In order to solve the problem to be solved above, the simple payment integrated management device according to the embodiment of the present invention is a device that is connected to the devices of a plurality of simple payment companies and manages simple payment integratedly through linkage with devices connected through a wired or wireless network. In the method, an interface for performing a registration process for at least one simple payment company is provided to a device connected through the wired or wireless network, and after receiving data input from the device through the interface, the device is linked with the device of the simple payment company. A subscription processing function that processes the affiliated store's simple payment company registration corresponding to the input data, and a simple payment company's device that corresponds to the simple payment company's information received when the simple payment request is received as a simple payment request is received from an external source. It is connected and performs a payment process, and may include a payment processing function that provides corresponding payment completion data to the device of the affiliated store that requested the simple payment and the device of the payer as the payment is approved according to the payment process.

According to the above-described embodiments of the present invention, the affiliated store signup process for simple payment can be simplified by allowing the affiliated store to sign up for multiple simple payment services through a single connection, thereby allowing the affiliated store owner to sign up for a simple payment company. Simple payment services can be activated by providing convenience.

Figure 1 is a diagram showing the configuration of a simple payment integrated service provision system according to an embodiment of the present invention.
Figures 2 and 3 are diagrams to explain the configuration of processing a simple payment request in the simple payment integrated service according to an embodiment of the present invention.
Figure 4 is a flowchart showing the operation process of the simple payment integrated management server according to an embodiment of the present invention.
Figure 5 is a flowchart showing a process in which the simple payment integrated management server according to an embodiment of the present invention provides services to affiliated stores that have signed up for a simple payment company.
Figure 6 is a flowchart showing a process in which the simple payment integrated management server processes a simple payment request from an affiliated store according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the attached drawings and the contents described below. However, the present invention is not limited to the embodiments described herein and may be embodied in other forms. Rather, the embodiments introduced herein are provided so that the disclosure will be thorough and complete and so that the spirit of the invention can be sufficiently conveyed to those skilled in the art. Like reference numerals refer to like constituent coefficients throughout the specification. Meanwhile, the terms used in this specification are for describing embodiments and are not intended to limit the present invention. In this specification, singular forms also include plural forms unless specifically stated in the context. As used in the specification, “comprises” and/or “comprising” means that the mentioned elements, steps, operations and/or elements are present in one or more other elements, steps, operations and/or elements. or does not rule out addition.

Hereinafter, a system and method for providing a simple payment integrated service will be described with reference to the attached drawings.

Prior to the description of the embodiment of the present invention, the simple payment service is a service provided by a simple payment company such as a bank, a credit card company, or an electronic financial company, and the payment is made through the simple payment company's application installed in the user's mobile terminal. It can mean a service that can be performed. For example, simple payment services include, but are not limited to, Bank Pay, Payco, Naver Pay, Kakao Pay, and Pay operated at various shopping malls.

Figure 1 is a diagram showing the configuration of a simple payment integrated service provision system according to an embodiment of the present invention, and Figures 2 and 3 show the configuration of processing a simple payment request in the simple payment integrated service according to an embodiment of the present invention. This is a drawing for explanation.

As shown in FIG. 1, the simple payment integrated service provision system uses one channel, for example, an affiliated store 105, to access the simple payment integrated management server 100 using a terminal and connect to at least one simple payment company 110. You can sign up.

In addition, the simple payment integrated service provision system receives data for simple payment subscription application from a predetermined device (not shown) connected to the simple payment integrated management server 100 through a wired or wireless network, and based on the received data, The affiliated store 105 can be registered with at least one simple payment company 110.

The simple payment integrated management server 100, the devices of the affiliated store 105, and the devices of the simple payment company 110 may be connected through a network. Here, the network refers to a connection structure that allows information exchange between nodes such as a plurality of devices, servers, etc. Examples of such networks include RF, 3rd Generation Partnership Project (3GPP) network, and Long Term Evolution (LTE). ) network, 5GPP (5th Generation Partnership Project) network, WIMAX (World Interoperability for Microwave Access) network, Internet, LAN (Local Area Network), Wireless LAN (Wireless Local Area Network), WAN (Wide Area Network), It includes, but is not limited to, PAN (Personal Area Network), Bluetooth network, NFC network, satellite broadcasting network, analog broadcasting network, and DMB (Digital Multimedia Broadcasting) network.

Meanwhile, the device of the affiliated store 105 is a device with a communication function that can connect to the simple payment integrated management server 100, and examples include smartphones, POS terminals, laptops, tablet PCs, and personal computers. It is not limited.

The device of the simple payment company (110) is capable of performing the simple payment subscription service of the affiliated store (105) and approval processing according to the simple payment request through linking with the simple payment integrated management server (100). Computing devices operated by 110), such as servers, may be mentioned.

To this end, the simple payment integrated management server 100 provides an interface for signing up for at least one simple payment company to the device of the affiliated store 105 connected through a wired or wireless network to the device of the affiliated store 105 or any device. After providing, the data received in response is transmitted to the device of the simple payment company 110, for example, a server, and upon approval, the corresponding result data can be received and stored in the affiliated store database 120.

At this time, the interface includes a selection window for selecting at least one of the simple payment companies already registered in the simple payment integrated management server 100, and uploading data necessary for signing up for the simple payment company, such as business registration certificate, ID card, and signboard. It may include an uploading interface that can be used. Here, the uploading interface supports taking pictures or scanning of business registration certificates, ID cards, signboards, etc., and can provide an interface for uploading images created by taking pictures or scanning.

In this case, the simple payment integrated management server 100 may provide a preview function for the image and a masking function for the personal information protection portion in the image.

The simple payment integrated management server 100 generates a contract file for each selected simple payment company based on the information of the simple payment company selected through the interface and data (e.g., images) uploaded through the uploading interface and then copies it to the device of the affiliated store 105. Alternatively, it is provided to a predetermined device, and when the electronic signature (e.g., agreement to terms and signature) on the contract file is completed from the device of the affiliated store 105, the contract file is transmitted to the device of each simple payment company 110 for approval. After requesting, as approval is received in response, the contract file can be stored in the affiliated store database 120. In addition, the simple payment integrated management server 100 may match the identification information of the approved simple payment company with the unique information (eg, business registration number) of the affiliated store 105 and store it in the affiliated store database 120.

To this end, the simple payment integrated management server 100 can manage the simple payment usage database 130, which stores terms and conditions data for each simple payment company and application forms for each simple payment company. In other words, the simple payment integrated management server 100 searches the simple payment usage database 130 for the application form and terms and conditions data of the simple payment company selected by the affiliated store 105, and then uses this to create a contract file for each of the selected simple payment companies. can be created.

Meanwhile, the simple payment integrated management server 100 according to an embodiment of the present invention can view information about the simple payment company to which the affiliated store 105 has signed up, for example, a contract file for the simple payment company to which the affiliated store 105 has signed up. In addition, services such as withdrawal from a subscribed simple payment company and additional subscription to a new simple payment company can be provided to the device of the affiliated store 105.

To this end, the simple payment integrated management server 100 according to an embodiment of the present invention sends a subscription invitation message along with information about the new simple payment company 110 to the affiliated store 105 as a new simple payment company 110 is registered. After providing it to the device, a subscription request message is received from the device of the affiliated store 105 in response, so that the affiliated store 105 can join the new simple payment company 110 through the subscription process. Accordingly, the simple payment integrated management server 100 may update data matched to the unique information of the affiliated store 105 in the affiliated store database 120, that is, the identification information of the approved simple payment company.

In particular, the simple payment integrated management server 100 registers a new simple payment company 110, for example, as a registration request is received from the device of the new simple payment company 110, a registration request is received from the device of the new simple payment company 110. After receiving the terms and conditions data, fee information, application form, etc., they can be stored in the simple payment use database 130, and a subscription invitation message including fee information can be provided to the device of the affiliated store 105.

Meanwhile, as the simple payment integrated management server 100 according to an embodiment of the present invention receives a simple payment request from the devices of a plurality of affiliated stores 105, it records the payment details in each affiliated store information for each time zone, such as the number of payments per time zone, By matching payment details including payment amount, monitoring data for each time slot of each affiliated store (105) is generated and stored in the affiliated store database (120), and the number of payments and payment amount for each affiliated store (105) are recorded. After collecting the payment history and generating status data by time zone, it is possible to check whether the payment is abnormal by comparing the monitoring data of any affiliated store (105) by time zone stored in the database for affiliated stores (120) and the status data by time zone. .

When an abnormal payment is detected, the simple payment integrated management server 100 transmits a message to check whether the payment status is abnormal to the device of the affiliated store 105, for example, a terminal owned by the affiliated store owner, and in response to this, If an abnormal payment is received, a payment status monitoring function can be performed that notifies the simple payment company 110 of the information received from the terminal owned by the affiliated store owner through the device of the simple payment company 110.

Meanwhile, in the embodiment of the present invention, when the device of the affiliated store 105 is a smartphone, the simple payment integrated management server 100 is connected to the simple payment integrated management application installed in the smartphone (i.e., the simple payment integrated management server 100). It is possible to provide an interface for signing up for a simple payment company (110), viewing, withdrawal, and additional subscription services through an application for integrated management of simple payments distributed by

In particular, in order to provide a simple payment integrated management service according to an embodiment of the present invention, the device of the affiliated store 105 provides access information (e.g., access address) of the simple payment integrated management server 100 and affiliated store information to request a simple payment. , a code including the payment amount, for example, a QR code, can be displayed on a predetermined display (210 in FIG. 2). Accordingly, as shown in FIG. 2, the user device 200 connects to the simple payment integrated management server 100 based on the access information as the code displayed on the display 210 is read and then collects the affiliated store information and simple payment. A simple payment request including payment company information and payment amount can be transmitted to the simple payment integrated management server 100. At this time, the user's device 200 connects to the simple payment integrated management server 100 through the simple payment app stored in executable form on the memory (not shown) and makes a simple payment request including information of the affiliated store and payment amount. Can be transmitted.

In this case, the simple payment integrated management server 100 selects the simple payment company 110 based on the information of the affiliated store and the simple payment company and then processes the payment through linking with the device of the selected simple payment company 110. And, as the payment is completed, a payment completion message can be transmitted to the device of the affiliated store 105 and the device 200 of the user.

Meanwhile, in order to provide a simple payment integrated management service according to an embodiment of the present invention, the device of the affiliated store 105 recognizes the code provided from the device of the simple payment company 110 for payment or uses a simple payment method in the user's device 200. When information about cards registered in the payment app (including, for example, credit cards, check cards, etc.) is recognized, as shown in Figure 3, the payment amount, recognized code (or card information), and simple payment company information And payment can be requested by transmitting a simple payment request message including information about the affiliated store 105 to the simple payment integrated management server 100.

In this case, the simple payment integrated management server 100 selects the simple payment company 110 based on the information of the simple payment company and the information of the affiliated store 105, and then makes payment through linking with the device of the selected simple payment company 110. The processor proceeds, and as the payment is completed, a payment completion message can be transmitted to the device of the affiliated store 105 and the device 200 of the user.

Meanwhile, when payment method information, such as card information, is included in the simple payment request message received from the device of the affiliated store 105, the simple payment integrated management server 100 selects the simple payment company 110 to check the validity of the payment method information. ), you can perform payment processing in addition to linking with the device.

The operation process of the simple payment integrated management server 100 in the simple payment integrated management service providing system having the above-described configuration will be described with reference to FIGS. 4 to 6.

Figure 4 is a flowchart showing the operation process of the simple payment integrated management server 100 according to an embodiment of the present invention.

As shown in FIG. 4, the simple payment integrated management server 100 is an interface for performing the registration process for at least one simple payment company on the device of the affiliated store 105, such as the affiliated store owner's smartphone or a device operated by the affiliated store. Provides (S300). At this time, the simple payment integrated management server 100 provides an interface for the subscription process, a selection window for selecting a simple payment company, and an uploading interface for uploading data such as business registration certificate, ID card, and signboard required for creating a contract file. An interface containing it can be provided.

Then, the simple payment integrated management server 100 receives data entered from the device of the affiliated store 105 through the interface (S302), creates a contract file based on the received data, and then sends it to the affiliated store 105. You can request a signature by providing it to the device (S304).

Accordingly, as the signed contract file is received (S306), the simple payment integrated management server 100 transmits the contract file to the device of the simple payment company 110, for example, a server operated by the simple payment company 110. After requesting approval, as result data corresponding to completion of approval is received in response, the result data is stored in the database 120 for the affiliated store (S308, S310).

Through the steps described above, affiliated stores 105 can sign up for multiple simple payment companies 110 through a single connection.

Thereafter, as the new simple payment company 110 is registered (S312), the simple payment integrated management server 100 collects the information of the new simple payment company 110, such as data including terms and conditions data, fees, subscription forms, etc. In addition to storing it in the usage database 130, a subscription inducement message including fee information of the new simple payment company 110 can be created and then transmitted to the device of the affiliated store 105 (S314).

Figure 5 is a flowchart showing a process in which the simple payment integrated management server 100 provides services to an affiliated store that has signed up for a simple payment company according to an embodiment of the present invention.

As shown in FIG. 5, the simple payment integrated management server 100 receives the unique information of the affiliated store 105 as an inquiry request using the unique information of the affiliated store 105 is received (S400) from the device of the affiliated store 105. Using the service, the registered simple payment company information (hereinafter referred to as 'simple payment company subscription information') is searched in the affiliated store database 120 and then provided to the device of the affiliated store 105 (S402).

Thereafter, as a change to the simple payment company subscription information, for example, a withdrawal request, is received from the device of the affiliated store 105 (S404), the simple payment integrated management server 100 stores the information stored in the affiliated store database 120 based on the change requested information. Modify simple payment company subscription information (S406). For example, when a withdrawal request is received, the simple payment integrated management server 100 transmits withdrawal request information to the device of the simple payment company 110 that requested withdrawal to request withdrawal from the affiliated store, and then receives withdrawal completion in response. The simple payment company subscription information stored in the affiliated store database 120 can be modified.

In addition, as a simple payment request is received from the device of the affiliated store 105, the simple payment integrated management server 100 collects it by time zone, generates monitoring data by time zone of the affiliated store 105, and then requests simple payment based on this. can be monitored (S408). Specifically, as the simple payment integrated management server 100 receives a simple payment request from a device of a plurality of affiliated stores 105, it includes payment details, such as the number of payments per time slot and payment amount, in each affiliated store information by time zone. By matching payment details, monitoring data for each time slot of each affiliated store (105) is generated and stored in the affiliated store database (120), and payment details including the number of payments and payment amounts for each time slot of any affiliated store (105) are collected. After generating status data for each time zone, abnormal payment status can be checked by comparing the monitoring data of any affiliated store 105 for each time zone stored in the database for affiliated stores 120 with the status data for each time zone.

When an abnormal payment is detected (S410), the simple payment integrated management server 100 transmits a message to the device of the affiliated store 105, for example, a terminal owned by the affiliated store owner, to check whether the payment status is abnormal. If an abnormal payment is received in response, the information received from the terminal owned by the affiliated store owner can be notified to the simple payment company 110 (S412) through the device of the simple payment company 110.

Figure 6 is a flowchart showing a process in which the simple payment integrated management server 100 processes a simple payment request from an affiliated store 105 according to an embodiment of the present invention.

As shown in FIG. 4, the simple payment integrated management server 100 receives a simple payment request from the device of the affiliated store 105 and a simple payment request including identification information of the simple payment company 110 (S500). Search for simple payment company subscription information in the database for affiliated stores (120) using the unique information in (105), and compare the searched simple payment company subscription information with the simple payment company's identification information to determine whether the affiliated company has signed up for the simple payment company. Determine (S502, S504).

As a result of S504's determination, in the case of an affiliated store registered with a simple payment company, the simple payment integrated management server 100 sends information to the device of the simple payment company 110 corresponding to the identification information of the simple payment company 110 received at the time of the simple payment request. After requesting payment by transmitting payment data, a payment completion message is received in response and transmitted to the device of the affiliated store 105 (S506, S508).

Meanwhile, as a result of S504's determination, if the affiliated store is not subscribed to the simple payment company, the simple payment integrated management server 100 sends a subscription inducement message to the device of the affiliated store 105 to encourage subscription to the simple payment company 110. After transmission, a temporary subscription is processed as a subscription request is received from the device of the affiliated store 105 in response (S510, S512).

Here, the temporary subscription processing is a service that is performed by the simple payment integrated management server 100 through a business agreement with the simple payment company 110. After receiving the response from the affiliated store 105, for example, a subscription request response, it is sent to the simple payment company. This may mean transmitting to the device at (110) and registering it.

Additionally, the simple payment integrated management server 100 may request the temporarily registered affiliated store 105 to formally subscribe to the simple payment company 110 within a preset time.

Meanwhile, according to the embodiment of the present invention as described above, when a simple payment request is received, the simple payment integrated management server 100 searches the database 120 for affiliated stores based on unique information of the affiliated store 105. As an example, it was explained as requesting payment approval from the simple payment company after checking the subscription status for the simple payment company. However, as the simple payment request is received, after requesting approval for the simple payment from the relevant simple payment company (110), Based on the response, you can check the affiliated store's simple payment company subscription status.

Meanwhile, combinations of each block in the attached block diagram and each step in the flow diagram may be performed by computer program instructions. Since these computer program instructions can be mounted on the processor of a general-purpose computer, special-purpose computer, or other programmable data processing equipment, the instructions performed through the processor of the computer or other programmable data processing equipment are described in each block of the block diagram. It creates the means to perform functions.

These computer program instructions can be stored in a computer-readable or computer-readable recording medium (or memory) that can be directed to a computer or other programmable data processing equipment to implement a function in a specific way, so that the computer can be used. Alternatively, instructions stored in a computer-readable recording medium (or memory) can produce manufactured items containing instruction means that perform the functions described in each block of the block diagram.

In addition, computer program instructions can be mounted on a computer or other programmable data processing equipment, so a series of operation steps are performed on the computer or other programmable data processing equipment to create a process that is executed by the computer and run on the computer or other program. Instructions that perform possible data processing equipment may also provide steps for executing the functions described in each block of the block diagram.

Additionally, each block may represent a module, segment, or portion of code that includes at least one or more executable instructions for executing specified logical function(s). Additionally, it should be noted that in some alternative embodiments it is possible for the functions mentioned in the blocks to occur out of order. For example, it is possible for two blocks shown in succession to be performed substantially at the same time, or it is possible for the blocks to be performed in reverse order depending on the corresponding function.

100: Simple payment integrated management server
105: Affiliate store
110: Simple payment company
120: Database for affiliated stores
130: Simple payment usage database

Claims (7)

In the simple payment integrated management method using the simple payment integrated management server,
The simple payment integrated management server,
We have a simple payment database that stores application forms and terms and conditions data for each simple payment company.
providing an interface for performing a registration process for at least one simple payment company to a device connected through a wired or wireless network from the simple payment integrated management server;
After receiving the data input from the device through the interface, the simple payment company registration of the affiliated store corresponding to the input data is processed by linking with the device of the simple payment company, and the terms and conditions data of the simple payment company selected through the interface Processing the affiliated store's subscription to the simple payment company by creating a contract file for the selected simple payment company using the application form and the input data;
As a new simple payment company is registered, a subscription invitation message containing information about the new simple payment company is sent to the affiliated store's device, and a subscription request message is received in response, allowing the affiliated store to sign up for a new simple payment company. processing steps,
Upon receiving a simple payment request from an external source, performing a payment process by connecting to a device of the simple payment company corresponding to the information of the simple payment company received at the time of the simple payment request;
As the payment is approved according to the payment process, providing corresponding payment completion data to the affiliated store's device and the payer's device,
The steps for performing the payment process are:
If the affiliated store is not registered with the simple payment company corresponding to the information received when requesting the simple payment, transmitting a message to the affiliated store's device to induce subscription to the simple payment company corresponding to the received information and,
A simple payment integrated management method comprising processing a temporary subscription for the affiliated store as a subscription request is received from the affiliated store's device and then proceeding with the payment process.
According to paragraph 1,
The above simple payment request is:
A simple payment integrated management method that is received from the payer's device by reading a code containing connection information, payment amount, and affiliated store information for the simple payment company's device on the affiliated store's device.
According to paragraph 1,
The above simple payment request is:
A simple payment integrated management method received from the affiliated store's device that reads the code displayed on the payer's device or from the affiliated store's device that reads payment method information from the payer's device.
According to paragraph 1,
The step of providing the interface is,
A simple payment integrated management method that provides a selection window for selecting at least one of a plurality of simple payment companies and an uploading interface for uploading data on the business registration and identification card of the affiliated store required to create a contract file.
According to paragraph 1,
The simple payment integrated management method is,
Collecting payment details of payment amount and payment time according to simple payment, and using the collected payment details to generate monitoring data by time period using the number of payments and payment amount by time period;
As the payment is performed by the payment process, determining whether the payment is abnormal based on the payment history and the monitoring data for each time period;
If the payment is abnormal, sending a message to the affiliated store's device to check whether the payment status is abnormal;
A simple payment integrated management method further comprising notifying the simple payment company that performed the payment process of the abnormal payment information when an abnormal payment is received in response to the message.
According to paragraph 1,
The simple payment integrated management method is,
If the affiliated store is not registered with the simple payment company corresponding to the information received when requesting the simple payment, transmitting a message to the affiliated store's device to induce subscription to the simple payment company corresponding to the received information and,
A simple payment integrated management method further comprising processing a temporary subscription for the affiliated store as a subscription request is received from the affiliated store's device and then proceeding with the payment process.
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