KR20070053680A - Method for processing complex payment - Google Patents

Abstract

The present invention is a predetermined condition for processing the payment processing (or withdrawal processing) corresponding to the use of the user payment method through the first method of processing through the user financial account and the second method of postpaying the user credit or assets as collateral. Setting information; Registering the set condition information in association with the user payment means information to a predetermined storage medium; When using a user payment method, checking the condition information registered in association with the payment means information in the storage medium; And a second method of processing payment processing (or withdrawal amount processing) corresponding to the use of the user payment method through the user financial account and / or postpay processing of the user credit or asset as collateral in accordance with the confirmed condition information. Method for processing a complex payment method and system comprising a; and a recording medium and information storage medium for the same. Thereby, a portion of the payment processing (or withdrawal processing) amount corresponding to the use of the user's payment method is debited through the user's financial account, and the remaining amount is deferred by the user's credit or asset as collateral. The user has the advantage of reducing the burden of payment and / or settlement compared to processing all the amounts by direct debit, and the financial institution that provides the payment processing (or withdrawal processing) is responsible for processing all the amounts as postpay. In comparison, there is an advantage in reducing the burden of provision required for postpaid service.

Complex, payment

Description

Method for Processing Complex Payment

1 is a diagram showing a complex payment processing system according to a preferred embodiment of the present invention.

2 is a diagram showing a preferred system for complex payment processing according to an embodiment of the present invention.

3 is a view showing a preferred system for a complex payment processing according to another embodiment of the present invention.

4 is a diagram illustrating an information storage medium for a complex payment process according to a preferred embodiment of the present invention.

5 is a diagram illustrating an embodiment of registering user payment means information and condition information in a storage medium according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating an embodiment of registering user payment means information and condition information in a storage medium according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a method of registering user payment means information and condition information in a storage medium according to one embodiment of the present invention.

8 is a diagram illustrating an embodiment of a complex payment process using user payment means information and condition information stored in a storage medium according to a preferred embodiment of the present invention.

FIG. 9 is a diagram illustrating a complex payment processing method using user payment means information and condition information stored in a storage medium according to one embodiment of the present invention.

FIG. 10 is a diagram illustrating a complex payment processing method using user payment means information and condition information stored in a storage medium according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: client side 105: network

110: server side 115: network interface

120: interface between modules 125: external module

130: accounting module 135: information module

140: card module 145: composite service unit

150: merchant management unit 155: card service unit

160: card portion 165: storage medium

170: condition information 175: user payment method information

180: DBMS

The present invention is a predetermined condition for processing the payment processing (or withdrawal processing) corresponding to the use of the user payment method through the first method of processing through the user financial account and the second method of postpaying the user credit or assets as collateral. Set the information and process the information in association with the user payment means information and register in a predetermined storage medium.When using the user payment means, the condition information registered in the storage medium is processed in association with the payment means information, and the confirmed According to the condition information, the first method of processing payment processing (or withdrawal amount processing) corresponding to the use of the user's payment method through the user's financial account and / or the second method of postpaying the user's credit or assets as collateral Complex payment processing method and system, characterized in that comprising a recording medium and information therefor To provide a sheet media.

Representative means associated with a user's financial account include a debit card, a check card or a cash card, and at the time of a predetermined payment process (or withdrawal of money), The amount corresponding to the settlement process (or withdrawal amount) is immediately withdrawn (or withdrawn). In general, the debit card can be used as a means of withdrawing a predetermined amount of money through ATM / CD as well as a payment method at a predetermined debit card merchant, and the check card can be used as a predetermined payment means at a predetermined credit card merchant. In addition, the cash card can not be used as a payment means, but can be used as a withdrawal means. In the case of the means linked to the user's financial account as described above, there is no provision for the financial institution because the amount is withdrawn (or withdrawn) from the user's financial account immediately or periodically. If not, payment processing (or withdrawal processing) is not made, and in particular, debit and cash cards include problems that can be used only during banking network operating hours.

A representative means for postpaying user credit or assets as collateral is a credit card, and at a predetermined payment processing (or withdrawal amount processing), a financial institution corresponding to the payment method is used to process the payment (or withdrawal amount). Payment), and the user settles the amount of money after a predetermined period of time has passed. As described above, the means for post-paying the user's credit or assets as collateral is freely available within the predetermined credit limit from the user's point of view, while there is a burden for provisions for post-payment by the financial institution, which results in excessive fees. It contains a lot of problems.

The present invention is derived to solve the above problems, the first method for processing a payment processing (or withdrawal amount processing) corresponding to the use of a predetermined user payment means through a user financial account and a predetermined user credit or asset Set the predetermined condition information to be processed in the second method of processing the postpay as collateral and register the predetermined condition information in association with the user payment means information, and register it in a predetermined storage medium. A first method of confirming pre-registered condition information in association with the means information and processing a payment process (or a withdrawal process) corresponding to the use of the user payment means through the user financial account according to the confirmed condition information; And / or a second method of collaterally postpaying user credit or assets as collateral. Complex payment processing method and system characterized only by the advantages of interlocked payment means (or money withdrawal means) and payment means (or money withdrawal means) for post-payment of user credit or assets as collateral, and record and information storage media therefor For the purpose.

Another object of the present invention is a first method of processing a payment processing (or withdrawal amount) corresponding to the use of a predetermined user payment means through a user financial account and a second method of post-paying predetermined user credit or assets as collateral. And set predetermined condition information to be processed in a third manner of processing through a predetermined user prepaid card (or account), process it in association with the user payment means information, register it in a predetermined storage medium, and then set the predetermined user payment means. In use, the storage medium checks the pre-registered condition information in association with the payment means information, and according to the confirmed condition information, the payment processing (or money withdrawal processing) corresponding to the use of the user payment means is the first; Payment means (or amount of money) linked with the user's financial account by processing in at least one or more of the third to third manner And an output means) and a user credit or payment processing means for post-pay assets as security (or debited means only how complex billing process as claimed benefits of) system and the recording medium and the information storage medium for this purpose.

The present invention is a predetermined condition for processing the payment processing (or withdrawal processing) corresponding to the use of the user payment method through the first method of processing through the user financial account and the second method of postpaying the user credit or assets as collateral. Setting information; Registering the set condition information in association with the user payment means information to a predetermined storage medium; When using a user payment method, checking the condition information registered in association with the payment means information in the storage medium; And a second method of processing payment processing (or withdrawal amount processing) corresponding to the use of the user payment method through the user financial account and / or postpay processing of the user credit or asset as collateral in accordance with the confirmed condition information. Characterized in that it comprises a; step to be treated in a manner.

According to a preferred embodiment of the present invention, the payment means logically comprises at least one or more credit card payment means, check card payment means, debit card payment means, prepaid card payment means, physically MS (Magnetic) Stripe) card payment means, IC (Integrated Circuit) card payment means, it is preferable to include at least one or more financial IC chip payment means mounted on or detached from the wireless terminal.

According to an embodiment of the present invention, the first method includes a payment method (or a withdrawal processing method) for real-time withdrawal processing through a user's financial account corresponding to the use of the user's payment means. Preferably, the second method includes a payment method (or an amount withdrawal processing method) for calculating the payment method using a lump sum or a partial payment after a predetermined period of time at the time of using the user payment method.

According to the exemplary embodiment of the present invention, the condition information may be set by the user and / or set by the payment processing (or withdrawal processing) operator according to the use of the user payment method, and the user payment method usage amount. If a certain ratio (A%) of the process is processed by the first method, and the remaining constant ratio (100-A%) is the condition information to be processed by the second method and the user payment means, if the amount used is more than a certain amount, A certain percentage (A%) of the payment means used amount is processed by the first method, and the remaining constant rate (100-A%) is processed by the second method, the condition information and the user using the payment method affiliate stores a specific merchant In this case, a certain percentage (A%) of the user payment means used amount is processed by the first method, and the remaining constant ratio (100-A%) is the condition information to be processed by the second method, and the user payment means Condition information for processing according to the first method or the second method when using more or less than a predetermined amount according to the amount used, and condition information for processing in the first method or the second method depending on the type of the merchant using the user payment method. It is preferable to comprise at least one or more.

According to the present invention, the system for a complex payment processing method as described above comprises a first method of processing a payment process (or a withdrawal processing) corresponding to the use of a user payment method through a user financial account and a user credit or asset as collateral. A storage medium storing predetermined condition information to be processed in a second method of post-pay processing in association with the user payment means information; When using a user payment method, the storage medium is linked to the payment method information to check the pre-registered condition information, and according to the confirmed condition information, payment processing (or withdrawal processing) corresponding to the use of the user payment method; And a server configured to process the first method of processing through a user financial account and / or a second method of postpaying a user credit or asset as collateral.

According to an embodiment of the present invention, the storage medium may include the user information, the user financial account information, the user credit card (or account) information, the user credit or asset information, the user payment means information and / or the condition information. It is desirable to store further in conjunction with the processing.

According to an embodiment of the present invention, the server comprises a single server provided in a predetermined financial institution, or a first server for checking condition information registered in association with the payment means information on the storage medium. (Or the terminal) and a first method and / or user credit or asset for processing payment processing (or withdrawal processing) corresponding to the use of the user's payment means through the user's financial account according to the confirmed condition information. It is preferable to be included in a financial system including a second server for processing in a second manner of post-pay processing.

According to the present invention, a predetermined recording medium provided in the complex payment processing system includes a first method and a user credit or asset for processing a payment process (or withdrawal amount) corresponding to the use of a user payment method through a user financial account. Registering predetermined condition information to be processed in a second manner of post-payment by collateral with the user payment means information and registering it in a predetermined storage medium; A function of checking condition information registered in association with the payment means information in the storage medium when using a user payment means; And a second method of processing payment processing (or withdrawal amount processing) corresponding to the use of the user payment method through the user financial account and / or postpay processing of the user credit or asset as collateral in accordance with the confirmed condition information. And a program for executing the function.

According to the present invention, a predetermined information storage medium provided in the complex payment processing system includes a customer information data file for storing user information; A payment means information data file for storing the user payment means information; And predetermined condition information for processing the payment processing (or the withdrawal processing) corresponding to the use of the user payment method through a first method of processing through a user financial account and a second method of postpaying a user credit or asset as collateral. Condition information data file for storing the;

The complex payment processing method according to another embodiment of the present invention comprises a first method of processing a payment process (or withdrawal amount) corresponding to the use of a user's payment means through a user's financial account, and post-pay processing by user credit or assets as collateral. Setting predetermined condition information to be processed in a second manner and a third manner of processing through a user prepaid card (or account); Registering the set condition information in association with the user payment means information to a predetermined storage medium; When using a user payment method, checking the condition information registered in association with the payment means information in the storage medium; And processing the payment process (or the withdrawal amount of money) corresponding to the use of the user payment means in at least one or more of the first to third methods according to the checked condition information. It is done.

In the implementation method as described above, the condition information is to process a certain ratio of the user payment means used amount in the first manner, to process a certain ratio in the second manner, and to process a certain ratio in the third manner. Condition information to be used, and a predetermined ratio of the user payment means used amount is processed in one of the first to third methods, and the condition information to process the predetermined ratio in one of the other two methods, and user payment When the means use amount is more than a certain amount, condition information for processing a certain ratio of the user payment means use amount in the first manner, a certain ratio in the second manner, and processing a certain ratio in the third manner And, if the user payment means used amount is more than a certain amount, a certain percentage of the user payment means use amount is one of the first to third methods And the condition information for processing a certain ratio in one of the other two methods, and when a user using a user's payment means is a specific merchant, a certain percentage of the user's payment means is used as the first method. Condition information for processing a predetermined ratio in the second manner, and processing a predetermined ratio in the third manner; and if the affiliated user using the user payment means is a specific affiliate store, the predetermined ratio of the user payment means used amount; Condition information for processing in one of the third to third methods, and processing a certain ratio in one of the other two methods, and when using a value above or below a predetermined amount according to a user payment method, The first room according to the condition information to be processed in one of the second manner and the type of the merchant using the user payment means. It is preferable to include at least one or more condition information to be processed by one of the formulas to the third scheme.

According to the present invention, the system for a complex payment processing method as described above comprises a first method of processing a payment process (or a withdrawal processing) corresponding to the use of a user payment method through a user financial account and a user credit or asset as collateral. A storage medium for storing predetermined condition information for processing in a second method of post-payment processing and a third method of processing through a user prepaid card (or account) in association with the user payment means information; When using a user payment method, the storage medium is linked to the payment method information to check the pre-registered condition information, and according to the confirmed condition information, payment processing (or withdrawal processing) corresponding to the use of the user payment method; And a server configured to process at least one of the first to third methods.

The server may include a first server (or terminal) configured as one server provided in a predetermined financial institution, or confirming condition information registered in advance in connection with the payment means information in the storage medium, and the In accordance with the confirmed condition information, the financial system including a second server for processing the payment processing (or withdrawal amount processing) corresponding to the use of the user payment means in at least one or more of the first to third methods; It is preferable to make it.

According to the present invention, a predetermined recording medium provided in the complex payment processing system includes a first method and a user credit or asset for processing a payment process (or withdrawal amount) corresponding to the use of a user payment method through a user financial account. A function of registering the predetermined condition information to be processed in the second method of post-payment as collateral and the third method of processing through a user prepaid card (or account) in association with the user payment means information and registering in a predetermined storage medium. ; A function of checking condition information registered in association with the payment means information in the storage medium when using a user payment means; And a function of processing a payment process (or a withdrawal amount of money) corresponding to the use of a user payment means in at least one of the first to third methods according to the confirmed condition information. It is characterized by being recorded.

According to the present invention, a predetermined information storage medium provided in the complex payment processing system includes a customer information data file for storing user information; A payment means information data file for storing the user payment means information; And a first method of processing a payment process (or a withdrawal processing) corresponding to the use of the user payment method through a user financial account, and a second method of post-paying user credit or assets as collateral and a user prepaid card (or account). And a condition information data file for storing predetermined condition information to be processed in a third manner to be processed through the data.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the preferred embodiment of the present invention to be carried out below to explain the technical components constituting the present invention to effectively describe the storage medium is provided inside the server side of the financial system provided in the financial institution, the present invention Those skilled in the art will clearly understand that the storage medium may be provided on a network accessible from the server side.

In addition, the preferred embodiment of the present invention to be described below is described as being provided in the card-based module on the server side in order to effectively describe the technical components constituting the present invention, the present invention belongs to If the person skilled in the art, the functional configuration provided in the card-based module is interlocked through a predetermined network and / or communication means in accordance with the intention of those skilled in the art of implementing the present invention (for example, information for realizing the server function It will be apparent that at least two servers may be provided separately from each other.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram showing a complex payment processing system according to a preferred embodiment of the present invention.

In more detail, FIG. 1 illustrates a user's financial account in which payment processing (or withdrawal processing) corresponding to user's payment means is used in the server side 110 of a predetermined financial system including an account system, an information system, an external system, and a card system. A storage medium storing the predetermined condition information 170 for processing in a first manner to process through the second method and a second method to post-paid the user credit or asset as collateral with the user payment method information 175. (165), when using the user payment means in the card system of the server side 110, the storage medium 165 is processed in association with the payment means information 175 to check the pre-registered condition information 170 In accordance with the confirmed condition information 170, the first method and / or user credit or asset for processing the payment processing (or withdrawal amount processing) corresponding to the use of the user payment means through the user financial account as collateral The present invention relates to a case in which a post payment processing is performed in a second manner.

Alternatively, FIG. 1 illustrates a first method and a user credit or asset for processing a payment process (or a withdrawal amount) corresponding to the use of a user payment method through a user financial account in the server side 110 of the financial system as described above. Storing and storing predetermined condition information 170 in association with the user's payment means information 175 to process the second method of processing postpay as collateral and the third method of processing through a user prepaid card (or account). And a medium 165, and when using a user payment means in the card system of the server side 110, the storage medium 165 is processed in association with the payment means information 175 to pre-register the condition information 170. And confirming and processing the payment processing (or the money withdrawal processing) corresponding to the user payment means using at least one or more of the first to third methods according to the confirmed condition information 170. It is for the case having a.

In general, financial systems provided by financial institutions are accounting systems for window services, such as credits or receptions or trusts or foreign exchanges generated by at least one branch, and information systems for the processing of headquarters operations, branch office information support, and customer relationship management. And an external system that connects the financial system with homes, businesses, retail stores, and other external computer networks to provide various electronic financial services, and a card system for financial services support using at least one card issued to a user by the financial institution. And an intermodule interface 120 for providing an interface between components in the financial system, a network interface 115 for interfacing the external source with at least one client side 100, and performing functions in each of the components. DBMS 180 (DataBase) that stores and manages predetermined information required for Management system), and various types of financial institutions (e.g. commercial banks, savings banks, trust banks, credit card companies) and foreign exchanges, investment banking, international, etc., depending on the purpose and characteristics of the financial system. It is possible to further include the components of.

The account system, information system, external system, and card system as described above is composed of at least one server (account server, information server, external server and card system server), or a program (eg, account system) provided in a predetermined server. Program, information system program, external system program, and card system program), and in this figure 1, the accounting module 130 and the information system module (convenience for convenience) in order to comprehensively describe the various embodiments as described above. 135), the external module 125 and the card module 140.

Referring to FIG. 1, the card system of the server side 110 includes a debit card unit 160, a check card unit 160, ..., which manages each card issued to a predetermined user by the financial institution. At least one card unit 160, including a credit card unit 160, and the like, a merchant management unit 150 for managing merchants providing financial (or payment) services using the card, and the user included in the card It comprises a card service unit 155 for providing a predetermined card service corresponding to the predetermined payment means, when using the user payment means, checks the predetermined condition information 170, and the confirmed condition information 170 According to the first method and / or the confirmed condition information 170 for processing the payment processing (or the withdrawal processing) corresponding to the use of the user payment method through the user financial account, Payment processing Debited process) The first way to the ever processed in at least one way of the three-way characterized by comprising a composite service 145.

According to an exemplary embodiment of the present invention, the server 110 includes a first method of processing a payment process (or a withdrawal amount of money) corresponding to the use of a user's payment means through a user's financial account, and user credit or assets as collateral. The predetermined condition information 170 to be processed in the second method of post-pay processing is stored in association with the user payment means information 175 and / or payment processing (or withdrawal amount processing) corresponding to the use of the user payment means. ) Is a first method of processing through a user's financial account, a second method of postpaying user credit or assets as collateral, and a third method of processing through a user prepaid card (or account). A predetermined storage medium 165 is provided to store 170 in association with the user payment means information 175, and the storage medium 165 is provided in the card system module 140. It is used by the composite service unit 145. According to another exemplary embodiment of the present invention, the storage medium 165 may be provided in the DBMS 180 in the financial system.

The client-side 100 source may be a predetermined wired terminal comprising at least one personal computer or laptop, and / or a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or personal digital cellular. Wireless terminal including at least one terminal (Personal Digital Cellular (PDC) or PHS (Personal Handyphone System) terminal or personal digital assistant (PDA) or smart phone (smart phone) or wireless data communication terminal or portable Internet terminal) A call terminal including at least one terminal, and / or at least one wired / wireless voice call device, and / or a payment terminal including at least one credit authorization terminal or an IC card terminal, and / or provided in a financial institution. Attracted terminal comprising a terminal, and / or automatic teller machine A TM) or an unattended terminal including at least one Cash Dispenser (CD), and / or a consumer electronic terminal including a digital television (DTV), and / or a money payer that deposits a predetermined amount to the customer. (E.g., the company the customer is in) or a billing agency (e.g., a credit card company, a telecommunications company, a mobile carrier, a utility bill including electricity / gas / water) that charges a predetermined amount to the customer. The client side 100 includes at least one server (eg, the server side 110 and a server providing firm banking).

The client side 100 source and the server side 110 interface via at least one or more networks 105 and / or communication means 105, thereby allowing the server side 110 from the client side 100 source. ) Provides financial transaction information including certain financial transaction elements. For example, the wired terminal interfaces with the server side 110 including the Internet, and the wireless terminal interfaces with the server side 110 including a mobile communication network (or a wireless data communication network or a portable Internet network (WiBro)). The call terminal interfaces with the server side 110 including a public switched telephone network (PSTN) or a mobile communication network, and the payment terminal includes a value added network (VAN). Interface with the server side 110 including a financial common network or a financial computer network, and the home appliance terminal interfaces with the server side 110 including a home network. In addition, the client side 100 server interfaces with the server side 110 including a predetermined packet-dedicated network.

2 is a diagram showing a preferred system for complex payment processing according to an embodiment of the present invention.

More specifically, FIG. 2 shows a card system module 140 including a card unit 160, a card service unit 155, and a complex service unit 145, and payment processing (or withdrawal of money) corresponding to the use of a user payment method. Processing in connection with the user payment means information 175, the predetermined condition information 170 for processing the first) processing through a user financial account and a second method for postpaying user credit or assets as collateral. It is for a system including a storage medium 165 to be stored.

Referring to FIG. 2, the complex service unit 145 registers and stores the condition information 170 in association with the user payment means information 175 on the storage medium 165 in association with a predetermined client source. A check unit 205 for checking the condition information 170 registered in connection with the payment method information 175 in the storage medium 165 when the user payment method is used, and the checked condition; According to the information 170, the first method of processing the payment processing (or withdrawal processing) corresponding to the use of the user payment method through the user financial account and / or the second method of postpaying the user credit or assets as collateral Characterized in that it comprises a processing unit 210 for processing.

According to a preferred embodiment of the present invention, the processing unit 210 performs a user financing process (or withdrawal amount processing) corresponding to the use of the user payment means through at least one or more payment means provided in the card unit 160. It is preferable to directly process the complex payment by the first method of processing through the account and / or the second method of postpaying the user credit or asset as collateral, or indirectly process such complex payment by requesting the card service. Do.

3 is a view showing a preferred system for a complex payment processing according to another embodiment of the present invention.

In more detail, FIG. 3 shows a card system module 140 including a card unit 160, a card service unit 155, and a complex service unit 145, and payment processing (or withdrawal of money) corresponding to the use of a user payment method. Predetermined condition information to be processed in a first method of processing through a user's financial account, a second method of post-paying user credit or assets as collateral, and a third method of processing through a user prepaid card (or account). And a storage medium 165 that stores 170 in association with the user payment means information 175.

Referring to FIG. 2, the complex service unit 145 registers and stores the condition information 170 in association with the user payment means information 175 on the storage medium 165 in association with a predetermined client source. And a confirmation unit 205 for confirming the pre-registered condition information 170 in connection with the payment means information 175 in the storage medium 165 when using the user payment means. According to the condition information 170, characterized in that it comprises a processing unit 210 for processing the payment processing (or withdrawal amount processing) corresponding to the use of the user payment means in at least one or more of the first method to the third method. The processor 210 directly accesses the card unit 160 based on the condition information 170 and processes the complex payment directly, or indirectly processes the complex payment by requesting the card service. Both are possible.

4 is a diagram illustrating an information storage medium 165 for complex payment processing according to a preferred embodiment of the present invention.

In more detail, FIG. 4 illustrates user payment means information 175 including a customer information data file storing user information, a payment means information 175 data file storing the user payment means information 175, and the user. Predetermined condition information 170 for processing a payment process (or withdrawal amount) corresponding to the use of a payment method through a first method of processing through a user's financial account and a second method of postpaying a user credit or asset as collateral. This is a case where the condition information 170 including the condition information 170 for storing the data information is stored in association with each other.

According to a preferred embodiment of the present invention, the customer information data file of the user payment means information 175 is for identifying a specific user using the user payment means among a plurality of users, the personal information (eg, name of the user) , User information data including social security number) to member information (eg, ID / PW), user financial account information data including card information linked to the user's account number or financial account, and credit card information of the user. And user credit card (or account) information data including financial account information linked to the credit card, and user credit or asset information data including the credit or asset size of the user.

The payment method information 175 data file of the user payment method information 175 may include credit card payment method information 175 data, check card payment method information 175 data, and debit card payment method information 175 data. Preferably, the prepaid card payment means information 175 includes at least one or more payment means information 175 corresponding to the data.

According to an exemplary embodiment of the present invention, the condition information 170 processes a predetermined ratio (A%) of the user payment means using amount in the first manner, and the remaining predetermined ratio (100-A%) is the second. It is preferable to include a condition information 170 data file including a condition to be processed in a manner, and preferably further comprises a predetermined operating condition data file for executing the condition according to the implementation method. The operating condition may be when the user payment method usage amount is more than a certain amount, or when the user payment means use merchant is a specific affiliate, or when the user payment method is used above or below a certain amount according to the user payment method use amount, or the user payment method use merchant type It is preferable to include at least one.

According to another exemplary embodiment of the present invention, the condition information 170 may process a predetermined ratio of the user payment means using amount by the first method, process a certain ratio by the second method, and process the predetermined ratio by the second method. Conditions for processing in a three way, or a condition of processing a certain ratio of the user payment means using the amount of the method of one of the first to the third method, and processing a certain ratio in one of the other two methods It is preferable to include the condition information 170 data file to be included, and preferably further comprising a predetermined operating condition data file for executing the condition according to the implementation method. The operating condition may be when the user payment method usage amount is more than a certain amount, or when the user payment method usage amount is more than a certain amount, or when the user payment method usage affiliate is a specific affiliate, or the user payment method usage affiliate is a specific merchant. In addition, it is preferable to include at least one or more types of merchants using the user payment means or more than a predetermined amount according to the user payment means use amount.

5 is a diagram illustrating an embodiment of registering user payment means information 175 and condition information 170 in a storage medium 165 according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates a predetermined client side including a wired terminal and / or a wireless terminal and / or a call terminal and / or a payment terminal and / or a home appliance terminal and / or an unattended terminal and / or a client side 100 server. The 100 connects the communication channel with the server 110 through at least one network 105 and / or the communication means 105 to process the user payment means information 175 and the condition information 170 in association with each other. The embodiment of the present invention relates to a storage medium 165 stored in a predetermined storage medium 165.

Referring to FIG. 5 according to a preferred embodiment of the present invention, in connection with a predetermined client-side 100 source, predetermined user payment means information 175 and condition information 170 are set, and the set user payment means information Web server 500 for registering 175 and condition information 170 to the storage medium 165 through the server side 110 is provided, and the server side 110 is protected through a predetermined firewall. .

The web server 500 includes an interface unit 505 for connecting a predetermined client side 100 source and a predetermined communication channel, and the user in cooperation with the client side 100 source through the interface unit 505. A setting unit 510 for setting payment means information 175 and condition information 170, and a provider for providing the set user payment means information 175 and condition information 170 to the server 110 ( 515).

According to a preferred embodiment of the present invention, the user payment means information 175 and the condition information 170 provided to the server side 110 is a card through a predetermined external module 125 and the interface between modules 120 It is provided to the system module 140, and is stored in the storage medium 165 through the registration unit 200 provided in the card system module 140.

According to another exemplary embodiment of the present invention, the web server 500 directly accesses the storage medium 165 through the firewall and transmits the user payment means information 175 and condition information 170 to the storage medium 165. You can register at).

FIG. 6 is a diagram illustrating an embodiment of registering user payment means information 175 and condition information 170 on a storage medium 165 according to another exemplary embodiment of the present invention.

In more detail, FIG. 6 illustrates an external module 125 and an information module 135 having a predetermined client side 100 provided at the server side 110 including a predetermined attracting terminal provided in the financial institution. The user payment means information 175 is extracted from a predetermined DBMS 180 managed by the server side 110 through the user, and the user payment means information 175 and predetermined condition information according to the policy of the financial institution. The embodiment of the present invention for storing the storage device 165 by linking and processing the link 170 is provided.

7 is a diagram illustrating a method of registering user payment means information 175 and condition information 170 in a storage medium 165 according to one embodiment of the present invention.

In more detail, FIG. 7 includes a wired terminal and / or a wireless terminal and / or a call terminal and / or a payment terminal and / or a home appliance terminal and / or an unattended terminal and / or a client side 100 server as shown in FIG. The predetermined client side 100 connects the communication channel with the server side 110 through at least one network 105 and / or the communication means 105 to the user payment means information 175 and the condition information 170 ) Is stored in a predetermined storage medium 165 by cooperative processing.

Referring to FIG. 7, when the client side 100 connects a predetermined communication channel with the web server 500 through at least one or more networks 105 and / or communication means 105, the The web server 500 sets (or registers) predetermined information for setting the user payment means information 175 and condition information 170 as the source of the client side 100 through the communication channel according to a predefined procedure. After providing an interface (705), it is checked whether information or data corresponding to the information setting (or registration) interface is received from the client side 100 source through the communication channel (710).

If information or data corresponding to the information setting (or registration) interface is received (715), the web server 500 from the received information or data the user payment means information 175 and condition information 170 Generate (or extract) and provide it to the server side 110 (eg, the card-based module 140) (720), and the server side 110 provides the provided user payment means information 175 and condition information ( 170 is stored in a predetermined storage medium 165 by linkage processing (725).

8 is a diagram illustrating an embodiment of a complex payment process using the user payment means information 175 and the condition information 170 stored in the storage medium 165 according to a preferred embodiment of the present invention.

In more detail, in FIG. 8, after the predetermined user payment means information 175 and condition information 170 are registered in the storage medium 165, the user receives a wired terminal and / or a wireless terminal and / or a call terminal and The server side 110 when the payment means are used through a predetermined client side 100 including a payment terminal and / or a manned terminal and / or a home appliance terminal and / or an unattended terminal and / or a client side 100 server. In the storage medium 165 is processed in connection with the payment means information 175 to check the pre-registered condition information 170, according to the confirmed condition information 170, payment corresponding to the use of the user payment means In the first method of processing the processing (or withdrawal processing) through the user's financial account and / or the second method of postpaying the user credit or asset as collateral, or the confirmed condition information 170 According to the user Performed to process complex billing the billing process corresponding to the means used (or debited treatment) in at least one manner of the first method to the third method is for the exemplary FIG.

9 is a diagram illustrating a method of processing a complex payment using the user payment means information 175 and the condition information 170 stored in the storage medium 165 according to one embodiment of the present invention.

In more detail, in FIG. 9, in the complex payment processing system as shown in FIG. 8, the condition information 170 includes a payment processing (or a withdrawal processing) corresponding to the use of a user payment method through a user financial account. In the case of including a method for processing the first method and the second method of post-payment of the user credit or assets as collateral, the method for implementing a complex payment processing using the condition information 170, the technical field to which the present invention belongs If the person skilled in the art, it will be able to easily infer the amount withdrawal processing method using the user payment means through the embodiment shown in FIG.

In the case of processing a predetermined payment or withdrawing an amount using the user payment means, the server side 110 through a predetermined network 105 and / or communication means 105 from a predetermined client side 100 source And a predetermined payment session, and the predetermined financial transaction element including at least the amount information, transaction code and payment means information (eg, account number, card information) to the server side 110 through the payment session. In operation 900, the server side 110 reads the received financial transaction element and determines whether the user payment means is used. If it is determined that the user payment means is used (905), the server side 110 extracts predetermined payment means information 175 from the payment session (910), and from the storage medium 165 The predetermined condition information 170 registered in association with the payment means information 175 is checked (915).

If valid condition information 170 is not confirmed in the storage medium 165 as a result of the checking (920), the server side 110 corresponds to the transaction code using the received payment means information 175. The payment process is performed (925).

On the other hand, if the validity information 170 is confirmed to the storage medium 165 as a result of the verification (920), the server side 110 reads the condition information 170 and processes it through a user financial account. According to the method condition information 170, a part of the payment is settled in the first method using a user's financial account (930), and predetermined payment history information corresponding to the first method is generated to generate a predetermined storage medium. After storing in operation 165 (935), it is determined periodically whether the payment processing corresponding to the second method based on the payment history information and the condition information 170 (940).

If it is determined that the payment is processed in the second manner (945), the server side 110 of the payment amount according to the second method condition information 170 for post-paying the user credit or asset as collateral. After the remaining amount or a portion of the remaining amount is processed in the second method (950), and generates the predetermined payment history information corresponding to the second method and stored in the predetermined storage medium (165) (955), In operation 960, the payment processing using the user payment means is completed due to the second method payment processing.

If the check result is that the payment processing using the user payment means is not completed (960), the server 110 110 the payment according to the second method condition information 170 to postpay the user credit or assets as collateral; The process 940 to 960 of repeatedly paying the remaining amount of money or a part of the remaining money in a second manner is periodically repeated.

FIG. 10 is a diagram illustrating a complex payment processing method using user payment means information 175 and condition information 170 stored in a storage medium 165 according to another exemplary embodiment of the present invention.

In more detail, in FIG. 10, in the complex payment processing system as shown in FIG. 8, the condition information 170 includes a payment process (or an amount withdrawal processing) corresponding to the use of a user payment method through a user financial account. In the case of the first method and the second method of post-paying the user credit or assets as collateral and the third method of processing through the user prepaid card (or account), the condition information 170 may be combined using the condition information 170. As an embodiment of a payment processing method, a person having ordinary knowledge in the technical field to which the present invention belongs may easily infer a method for processing a withdrawal of money using the user payment means through the embodiment shown in FIG. Could be.

The payment processing using the user payment means is confirmed at the server side 110, and the predetermined condition information 170 associated with the user payment means information 175 for the payment processing is confirmed from the storage medium 165. In operation 1000, the server side 110 reads the condition information 170 and determines a first payment method among the first method or the third method.

If it is determined that the first payment is made through the first method of processing through the user's financial account (1005), the server side 110 reads the condition information 170 and according to the first method condition information 170; Part of the payment amount is processed in the first method using the user's financial account (1010), and predetermined payment history information corresponding to the first method is generated and stored in the predetermined storage medium (165) (1015). .

On the other hand, if it is determined that the first payment is made through a third method of processing through a user prepaid card (or an account), the server 110 reads the condition information 170 and according to the third method condition information 170. Part of the payment amount is processed by the third method using a user prepaid card (or account) (1020), and generates predetermined payment history information corresponding to the third method to a predetermined storage medium 165. Save (1025).

When the predetermined payment history information is stored as described above, the server side 110 processes the next payment for the remaining amount or a part of the remaining amount through another payment means based on the payment history information and the condition information 170. It is determined periodically (1030).

If it is determined that the next payment process is determined (1035), the server side 110 reads the payment history information and the condition information 170 to select one of the second method or the unused first method or the third method. Next, the payment method determines a payment method (1035), the remaining amount or a part of the remaining amount is processed in accordance with the determined payment method (1045), and generates predetermined payment history information corresponding to the processed payment method. After storage in the predetermined storage medium 165 (1050), it is confirmed whether the payment processing using the user payment means is completed (1055).

If the check result is that the payment processing using the user payment means is not completed (1055), the server 110 110 the remaining amount of money through a predetermined payment method of the second method or the unused first method or the third method Or periodically repeat the process (1030 ~ 1055) of the payment of a portion of the remaining amount.

According to the present invention, a part of the payment processing (or withdrawal processing) amount corresponding to the use of the user's payment method is debited through the user's financial account, and the remaining amount is deferred by crediting the user's credit or assets. The user has an advantage of reducing the burden of payment and / or settlement compared to processing all the amounts by direct debit, and the financial institution providing the payment processing (or withdrawal processing) processes all the amounts as post-payment. Compared to doing so, there is an advantage of reducing the burden of provision required for postpaid service.

Claims (6)

Through the first method of processing payment processing (or withdrawal processing) corresponding to the use of the user's payment method through the user's financial account, the second method of postpaying user credit or assets as collateral and the user's prepaid card (or account) Setting predetermined condition information to be processed in a third manner of processing; Registering the set condition information in association with the user payment means information to a predetermined storage medium; When using a user payment method, checking the condition information registered in association with the payment means information in the storage medium; And And processing the payment processing (or the withdrawal processing) corresponding to the use of the user's payment means in at least one of the first to third methods according to the checked condition information. Complex payment processing method. The method of claim 1, wherein the payment means, Composite payment processing method comprising at least one credit card payment means, check card payment means, debit card payment means, prepaid card payment means. The method of claim 1 or 2, wherein the payment means, MS payment method, IC card payment means, a complex payment processing method comprising at least one financial IC chip payment means mounted on or detached from the wireless terminal. The method of claim 1, wherein the condition information, Set by the user, or Complex payment processing method characterized in that set by the payment processing (or money withdrawal processing) operators according to the user payment means. The method of claim 1 or 4, wherein the condition information, Condition information for processing a predetermined ratio of the user payment means using amount in the first manner, processing a certain ratio in the second manner, and processing a predetermined ratio in the third manner; Condition information for processing a certain ratio of the user payment means using amount in one of the first to third methods, and processing a certain ratio in one of the other two methods; When the user payment method usage amount is more than a predetermined amount, the user may process a certain ratio of the user payment means usage amount by the first method, process a certain ratio by the second method, and process a certain ratio by the third method. Condition information, When the user payment method usage amount is more than a predetermined amount, the user may process a certain ratio of the user payment method usage amount by one of the first to third methods, and process the predetermined ratio by one of the other two methods. Condition information, In the case where the user using the user payment method affiliate is a specific affiliate store, a certain ratio of the user payment method using amount is processed by the first method, a certain ratio is processed by the second method, and a certain ratio is processed by the third method. Condition information, In the case where the user using the user payment method is a specific merchant, the user may process a certain ratio of the user payment method using amount in one of the first to third methods, and process the predetermined ratio in one of the other two methods. Condition information, Condition information for processing by one of the first to second methods when a user uses a predetermined amount or more according to a user's payment means; And at least one condition information for processing in one of the first to third methods according to the type of the merchant using the user payment means. The method of claim 1, wherein registering the set condition information in association with the user payment means information and registering the predetermined condition information in a predetermined storage medium comprises: And registering the user information, the user financial account information, the user credit card (or account) information, and the user credit or asset information on the storage medium.

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