KR20080095931A - System, apparatus and method for selecting payment means by using multiple payment means - Google Patents

System, apparatus and method for selecting payment means by using multiple payment means Download PDF

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Publication number
KR20080095931A
KR20080095931A KR1020070036869A KR20070036869A KR20080095931A KR 20080095931 A KR20080095931 A KR 20080095931A KR 1020070036869 A KR1020070036869 A KR 1020070036869A KR 20070036869 A KR20070036869 A KR 20070036869A KR 20080095931 A KR20080095931 A KR 20080095931A
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South Korea
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payment
amount
card
received
payment means
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KR1020070036869A
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Korean (ko)
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전기홍
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주식회사 하나은행
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Priority to KR1020070036869A priority Critical patent/KR20080095931A/en
Publication of KR20080095931A publication Critical patent/KR20080095931A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G06Q20/3415—Cards acting autonomously as pay-media
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
    • G06Q30/0635—Processing of requisition or of purchase orders
    • G06Q30/0637—Approvals

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a payment method selection system, apparatus and method using a plurality of payment means.

The present invention includes the steps of: (a) receiving a payment means and a payment amount from a card payment terminal, and searching for a first payment means and a second payment means that match the received payment means; (b) selecting a first payment means or a second payment means as an amount payment means to settle the payment amount in response to the size of the received payment amount compared to the preset reference amount; (c) requesting approval from the authorization server according to the selected payment method to receive the payment approval result or processing the payment amount received through the card payment terminal and card authentication without the approval request; And (d) transmitting the received payment approval result to the card issuer corresponding to the card payment terminal and the card number.

The present invention can be expected to effect that the integrated payment can be easily performed by selecting one of the plurality of payment means mounted on the card under a predetermined condition.

Description

System, Apparatus and Method for Selecting Payment Means by Using Multiple Payment Means}

1 is a block diagram schematically showing a payment system using a plurality of payment means according to an embodiment of the present invention.

2 is a block diagram schematically showing the internal configuration of a payment server according to an embodiment of the present invention.

3 is a view for explaining the process of the integrated payment of credit card, check card and electronic money according to an embodiment of the present invention.

The present invention relates to a payment method selection system, apparatus and method using a plurality of payment means, and more particularly to a system, apparatus and method for performing integrated payment according to a predetermined priority.

Existing payment method uses a magnetic stripe card that can be loaded with one payment method to perform card number and amount authorization request through the terminal, and a magnetic tea card of a corresponding payment terminal and an additional communication network (VAN) company. The issuer and payment method will be selected according to the numbering system. Complementing the functions of these magnetic stripe cards, smart cards can be equipped with two or more payment methods by increasing data storage capacity, processing power, and securing security.

However, in the case of multiple payment methods, the offline card payment terminal has to determine a payment method in advance before payment because the payment protocol and the authentication key value are different for each payment method.

Some merchant terminals currently in use are designed to process one or more payment methods, but when the merchant terminal deals with a card equipped with a plurality of payment methods, an operation for selecting a payment method desired by the customer for each payment Should.

In addition, if a separate button or function for selecting a payment method is not added to the merchant terminal, the payment is made according to the payment priority determined at the time of card issuance, or the payment method is selected according to the rules specified by the merchant without distinction of the input card. do.

Therefore, one card user is inconvenient to have several cards issued by various merchants such as credit cards, check cards and electronic money in order to use various payment methods.

In order to solve such a problem, the present invention is to provide a payment method selection system, apparatus and method using a plurality of payment means for selecting a payment means to pay the settlement amount under a predetermined condition.

In accordance with an aspect of the present invention, a method of selecting a payment method according to an aspect of the present invention includes: (a) receiving a payment means and a payment amount from a card payment terminal and matching the received payment means with a first payment means and a first payment method; Searching for a payment method; (b) selecting the first payment means or the second payment means as an amount payment means to settle the received payment amount in response to the magnitude of the comparison between the received payment amount and a preset reference amount; (c) requesting an approval from the approval server according to the selected amount payment means to receive a payment approval result or processing the received payment amount through card authentication with the card payment terminal without an authorization request; And (d) transmitting the received payment approval result to the card issuer corresponding to the card payment terminal and the card number.

The payment means selection system according to an aspect of the present invention, the payment means for receiving the payment means and payment amount from the card payment terminal, and selects the payment means of the received payment amount according to the reference amount information for determining the amount payment means Selection device; And a plurality of approval servers for receiving approval request according to the selected payment method, processing payment amount approval, and transmitting a payment approval result to the card payment terminal or completing a payment through card authentication with the card payment terminal. .

In accordance with an aspect of the present invention, an apparatus for selecting a payment means includes: a payment means selection unit for selecting an amount payment means of the received payment amount according to whether or not the payment amount received from the card payment terminal is compared with preset reference amount information; A balance information retrieval unit for retrieving a currently payable balance of the selected amount payment means in association with an authorization server or the card payment terminal according to the selected amount payment means; And a payment processing unit for requesting payment approval of the received payment amount to the approval server, receiving a payment approval result, and transmitting the received payment approval result to the card payment terminal and the card issuer corresponding to the card number. .

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise. In addition, the terms “… unit”, “… unit”, “module”, “block”, etc. described in the specification mean a unit that processes at least one function or operation, which is hardware or software or a combination of hardware and software. It can be implemented as.

A payment method selection system, apparatus, and method using multiple payment means according to an embodiment of the present invention will now be described in detail with reference to the drawings.

Hereinafter, before describing FIG. 1, it is assumed that payment is made by a check card at a designated industry merchant when a merchant transaction request is made and payment is set under a predetermined condition at a non-designated industry merchant.

1 is a block diagram schematically showing a payment system using a plurality of payment means according to an embodiment of the present invention.

The payment system according to the embodiment of the present invention includes a payment card 100, a card payment terminal 110, and a plurality of authorization servers 120.

The payment card 100 includes a plurality of payment means such as a credit card, a check card, and electronic money, and an IC chip for storing financial information is mounted or detached. In addition, when the payment card 100 receives information about a payment method that can be paid and a payment amount, the payment card 100 determines whether the payment method that can be performed by the payment card 100 is included in the payment method that can be received. That is, the payment card 100 is a check card and a credit card and a mileage card when the received payment means, the check card and the payment method (electronic money, check card and credit card) compared to the payment card 100 The credit card becomes the final selected payment method of the payment card 100.

Subsequently, the payment card 100 selects a payment method to pay the payment amount based on a preset condition based on the payment amount among the finally selected payment means. Specifically, the payment card 100 selects any payment method of the check card and the credit card according to the size of the comparison between the payment amount and the reference amount information, and if the balance is insufficient by determining the currently available payment balance, Select and pay the amount. Therefore, the payment card 100 according to the embodiment of the present invention means a payment means selection device for selecting a payment means from a plurality of payment means.

According to an embodiment of the present invention, the upper price payment means is assumed to be an electronic money-> check card-> credit card in the order of the higher amount. In general, electronic money is often used to pay a small amount of money, and a check card is used to settle the balance in a bank account. A credit card is a higher payment method than electronic money and a check card because it can be settled in post payment more than an electronic money or a check card. Of course, the payment means of the upper amount is for convenience of explanation only, it is possible to change whether the payment method of the upper amount between the electronic money, the check card, the credit card.

The card payment terminal 110 is provided with firmware that provides an interface for performing a payment method selection procedure using a plurality of payment means in conjunction with the payment card 100. The plurality of payment means according to an embodiment of the present invention illustrates a payment means incorporating an electronic money, a check card and a credit card for convenience of description, but may also include various payment means such as an electronic gift certificate, a prepaid card, and a debit card. Can be. In addition, the card payment terminal 110 generates information on payment means and payment amount that can be paid to the payment card 100, and proceeds with the payment process according to the protocol according to the selected payment method.

Multiple authorization servers 120 include bank servers 122 and other authorization servers 128. The bank server 122 includes an authorization server 124 managing a check card and an authorization server 126 managing a credit card, and performs card payment according to a card payment authorization request received from the card payment terminal 110. Authorization process, and generates a payment approval result and transmits to the card payment terminal (110). The other approval server 128 means a server that can approve and process the use of a payment means and transmit a payment approval result.

Next, the internal configuration of the payment card 100 will be described in detail with reference to FIG. 2.

2 is a block diagram schematically showing the internal configuration of the payment card 100 according to an embodiment of the present invention.

The payment card 100 according to the embodiment of the present invention includes a receiving unit 102, an account information retrieval unit 104, a payment method selection unit 106, a balance information retrieval unit 108, and a payment processing unit 109. .

The receiving unit 102 receives and stores a payment method and a payment amount that can be paid from the card payment terminal 110.

The account information retrieval unit 104 retrieves the account information of the credit card and the check card from the account information database (not shown) based on the card number. Here, the account information database stores the account information of the credit card and the check card that match the card number, and is formed inside or outside the plurality of authorization servers 120.

The payment method selecting unit 106 is a payment method (electronic money, check card) of the payment card 100 among the payment methods (electronic money, mileage card, debit card, credit card, etc.) that can be received from the card payment terminal 110. And the final payment method (electronic money and credit card).

The payment method selecting unit 106 selects any one of the final payment means (electronic money and credit card) by comparing the received payment amount and the predetermined reference amount information. Here, the reference amount information includes a first reference setting amount that is a reference value for selecting electronic money as a payment method of a payment amount and a second reference setting amount that is a reference value for selecting a check card and a credit card. In detail, the payment method selecting unit 106 selects electronic money as a means for paying the payment amount when the received payment amount is less than the first reference setting amount, and is equal to or greater than the first reference setting amount and sets the second reference value. If it is less than the amount, a check card is selected. If it is more than the second reference set amount, a credit card is selected. It will be described in detail in Figure 3 to be described later.

The payment method selection unit 106 may change the payment method according to the code and the type of business of the affiliated store. For example, among the types of merchants, a designated business is to pay with a check card, and a business with a lot of discount is to select a payment method requested by the corresponding business.

The balance information retrieval unit 108 generates a balance request signal and transmits it to the bank server (authorization servers 124 and 126 for managing the check card and credit card) 122, and the balance currently payable in the account based on the card number. Receive information. In addition, the balance information retrieval unit 108 checks the balance information currently payable in the payment card 100 whether the payment amount received from the card payment terminal 110 can be paid.

The payment processing unit 109 requests payment approval of the payment amount to the approval server corresponding to the selected amount payment method, receives the payment approval result, and receives the payment approval result from the card corresponding to the card payment terminal 110 and the card number. Send to issuer. In addition, the payment processing unit 109 performs the payment process through the authentication with the electronic money authentication card (PSAM) in the card payment terminal 110.

Next, the process of performing integrated payment using the payment card 100 will be described in detail with reference to FIG. 3.

3 is a view for explaining the process of the integrated payment of credit card, check card and electronic money according to an embodiment of the present invention.

First, before explaining FIG. 3, it is assumed that a subscriber authentication procedure and a service member registration procedure for determining whether a registered member is performed with respect to an input card number are performed, and then a credit card which is a feature of the present invention. The following description will focus on the process of integrated payment of check cards and electronic money.

The cardholder proposes a payment card according to an embodiment of the present invention by using a mobile communication terminal that supports short-range wireless communication in which a smart card or a card number is written into an internal IC chip at an on-line card merchant. The payment card 100 performs communication initialization with the card payment terminal 110.

The receiver 102 receives a payment method and a payment amount that can be paid from the card payment terminal 110 (S100).

The payment method selecting unit 106 is a payment method (electronic money, check card) of the payment card 100 among the payment methods (electronic money, mileage card, debit card, credit card, etc.) that can be received from the card payment terminal 110. And the final payment means (electronic money and credit card) matching the credit card) (S102).

The account information search unit 104 searches for the account information of the credit card and the check card corresponding to the received card number in association with the account information database (S104).

The balance information retrieval unit 108 accesses the bank server 122, which is an account-specific authorization server that manages credit cards and check cards, checks currently available balance information of a corresponding account, and selects a corresponding payment result information as a payment method. The control unit 106 transmits to the unit 106 (S106). In addition, the balance information retrieval unit 108 checks the currently available balance information of the electronic money in the payment card 100 and transmits it to the payment method selection unit 106 (S106).

The payment method selection unit 106 compares the payment amount received from the card payment terminal 110 with the first reference set amount (for example, about 5,000 won) to determine whether or not it is large or small (S108).

If the payment method selection unit 106 determines that the received payment amount is less than the first reference amount, the electronic device balance information is extracted through the balance information retrieval unit 108 and the received payment amount is converted into the electronic money balance information. It is determined whether payment is possible (S110).

The payment processing unit 109 generates a payment request signal and makes a payment through authentication with an electronic money authentication card inside the card payment terminal 110 when the payment amount is received as electronic money balance information (S112). .

If the payment method selection unit 106 is unable to pay the received payment amount using the electronic money balance information or determines that the payment amount received in step S108 is greater than or equal to the first reference amount, In order to determine whether or not the case is compared with the received payment amount information and the second reference set amount (for example, about 20,000) (S114).

If the payment method selection unit 106 determines that the received payment amount information is less than the second reference amount, the balance information search unit 108 extracts the balance information of the check card account and checks the received payment amount. It is determined whether payment is possible using the balance information (S116).

If payment is possible with the check card balance information, the payment processing unit 109 generates a payment request signal and transmits it to the authorization server 124 managing the check card (S118). Subsequently, the payment processing unit 109 receives the payment approval result from the approval server 124 managing the check card and transmits the result to the check card issuer and the card payment terminal 110 corresponding to the card number (S118).

If the payment method selection unit 106 determines that the received payment amount is not possible with the check card balance information or determines that the payment amount received in step S114 is equal to or greater than the second reference amount, the balance information retrieval unit 118 Extract the balance information of the credit card account through, and determines whether payment is possible with the credit card balance information received (S120).

The payment method selecting unit 106 requests a payment request to the payment processing unit 109 when the payment is possible using the credit card balance information (S122). Subsequently, the payment processing unit 119 generates a payment request signal, transmits it to the authorization server 126 managing the credit card, receives the payment approval result, and transmits the result to the credit card issuer and the card payment terminal 110 corresponding to the card number. (S122).

Embodiments of the present invention are not implemented only through the above-described apparatus and / or method, but may be implemented through a program for realizing a function corresponding to the configuration of the embodiments of the present invention, a recording medium on which the program is recorded, and the like. Such implementations may be readily implemented by those skilled in the art from the description of the above-described embodiments.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

By the above-described configuration, the present invention can expect the effect that the integrated payment can be easily performed by selecting one of the plurality of payment means mounted on the card under a predetermined condition.

Claims (16)

(a) receiving a payment means and a payment amount available for payment from a card payment terminal, and searching for a first payment means and a second payment means that match the received payment means; (b) selecting the first payment means or the second payment means as an amount payment means to settle the received payment amount in response to the magnitude of the comparison between the received payment amount and a preset reference amount; (c) requesting an approval from the approval server according to the selected amount payment means to receive a payment approval result or processing the received payment amount through card authentication with the card payment terminal without an authorization request; And (d) transmitting the received payment approval result to the card issuer corresponding to the card payment terminal and the card number; Payment method selection method comprising a. According to claim 1, In the step (c), (c1-1) comparing the received payment amount with a first reference amount to determine whether or not it is small or small; And (c1-2) if the received payment amount is less than the first reference amount, the balance of the first payment means is retrieved based on the received card number in cooperation with the authorization server managing the first payment means; Selecting the first payment method as a means for paying the received payment; Payment method selection method comprising a. The method of claim 2, In the step (c1-1), (c2-1) If the received payment amount is equal to or greater than the first reference amount or the received payment amount cannot be paid due to insufficient balance of the searched first payment means, the received payment amount is based on the second reference value. Determining whether or not the case is compared with an amount-an amount higher than the first reference amount Payment method selection method comprising a. The method of claim 3, wherein In the step (c2-1), If the received payment amount is less than the second reference amount, the balance of the second payment means is retrieved based on the card number in association with the authorization server managing the second payment means, and the received payment amount is Selecting the second payment method as a payment method Payment method selection method comprising a. The method of claim 4, wherein In the step (c2-1), If the received payment amount is equal to or greater than the second reference amount or the received payment amount cannot be paid due to insufficient balance of the searched second payment means, a third payment means is used as a means to settle the received payment amount. Step to choose Payment method selection method comprising a. The method according to any one of claims 1 to 5, And the first payment means is electronic money, the second payment means is a check card, and the third payment means is a credit card. A payment means selection device for receiving a payment means and a payment amount from a card payment terminal and selecting a payment means of the received payment amount according to reference amount information for determining the payment amount; And A plurality of authorization servers that receive an approval request according to the selected payment method, process payment amount approval, and transmit a payment approval result to the card payment terminal or complete a payment through card authentication with the card payment terminal. Payment method selection system comprising a. The method of claim 7, wherein The reference amount information is a first reference set amount which is a reference value for selecting a first payment means as a payment means of the received payment amount and a second payment means and a third payment means as payment means of the received payment amount. A payment method selection system comprising a second reference set amount which is a reference value. The method of claim 8, The payment method selection device, If it is impossible to pay the received payment amount due to insufficient balance of the selected payment means, the selected payment means is higher than the higher payment means—the first payment means, the second payment means, and the third payment means in order. The payment method selection system, characterized in that for changing to-payment method. The method of claim 8, The payment method selection device, And when the received payment amount is less than the first reference set amount, selecting the first payment means as a means to pay the received payment amount. The method of claim 8, The payment method selection device, And the second payment means is selected as a means for paying the received payment amount when the received payment amount is greater than or equal to the first reference setting amount and less than the second reference setting amount. The method according to any one of claims 7 to 11, And the first payment means is electronic money, the second payment means is a check card, and the third payment means is a credit card. A payment means selection unit which selects an amount payment means of the received payment amount according to whether the payment amount received from the card payment terminal is compared with preset reference amount information; A balance information retrieval unit for retrieving a currently payable balance of the selected amount payment means in association with an authorization server or the card payment terminal according to the selected amount payment means; And The payment processing unit for requesting payment approval of the received payment amount to the approval server to receive a payment approval result, and transmitting the received payment approval result to the card payment terminal and the card issuer corresponding to the card number. Payment method selection device comprising a. The method of claim 13, The reference amount information is a first reference set amount which is a reference value for selecting a first payment means as a payment means of the received payment amount and a second payment means and a third payment means as payment means of the received payment amount. And a payment method selection device including a second reference setting amount which is a reference value. The method of claim 14, The payment method selection unit, If it is impossible to pay the received payment due to the searched balance, the selected amount payment means is replaced by higher amount payment means—the first payment means, the second payment means, and the third payment means in the order of higher amounts. The payment method selection apparatus, characterized in that-to change the payment means to pay. The method of claim 13, The payment method selection unit, A payment method selection device, characterized in that for searching for a final payment method that matches a predetermined payment method among paymentable payment means received from the card payment terminal, and selecting the amount payment means among the searched final payment means. .
KR1020070036869A 2007-04-16 2007-04-16 System, apparatus and method for selecting payment means by using multiple payment means KR20080095931A (en)

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2010143822A2 (en) * 2009-06-08 2010-12-16 에스케이 텔레콤주식회사 System and method for identifying multiple types of electronic money, and apparatus applied thereto
KR102098524B1 (en) * 2019-03-05 2020-04-07 한국도로공사 Method for drive-thru high-pass payment and system therefor
CN111192035A (en) * 2019-12-27 2020-05-22 中电信用服务有限公司 Multi-system consumption clearing configuration processing method and system

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2010143822A2 (en) * 2009-06-08 2010-12-16 에스케이 텔레콤주식회사 System and method for identifying multiple types of electronic money, and apparatus applied thereto
WO2010143822A3 (en) * 2009-06-08 2011-03-03 에스케이 텔레콤주식회사 System and method for identifying multiple types of electronic money, and apparatus applied thereto
KR102098524B1 (en) * 2019-03-05 2020-04-07 한국도로공사 Method for drive-thru high-pass payment and system therefor
CN111192035A (en) * 2019-12-27 2020-05-22 中电信用服务有限公司 Multi-system consumption clearing configuration processing method and system

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