KR20090120129A - Saving and payment system for virtual pocket and method thereof - Google Patents

Abstract

PURPOSE: A saving and payment system for a virtual pocket and a method thereof are provided to save the changes occurring in a commercial transaction at a virtual pocket and to use the virtual pocked for the payment of small amount of money. CONSTITUTION: A virtual pocket management server(10) receives an intrinsic money from a user who uses a virtual pocket(1) to which an intrinsic number is allocated, and registers the intrinsic number. The virtual pocket management server manages the saving and the payment for the virtual pocket. A member shop(20) inputs the intrinsic number of the virtual pocket to a terminal(21), and transmits the request for the saving of money in the virtual pocket to the virtual pocket management server through a network.

Description

Charging and payment system of virtual wallet and method thereof {SAVING AND PAYMENT SYSTEM FOR VIRTUAL POCKET AND METHOD THEREOF}

The present invention relates to a charging and settlement system for a virtual wallet and a method thereof. More specifically, after purchasing an intangible virtual wallet, the virtual wallet is charged with the change (change) that occurs during the transaction at the store, or when the item is purchased at the store, the virtual wallet is charged with a small amount of the virtual wallet and It relates to a payment system and a method thereof.

When a consumer pays in cash at an offline store, most of the change will occur. By the way, it is not inconvenient to carry a coin because the change that a consumer receives from a seller, especially a coin, is heavy and bulky compared with a banknote. In addition, since it is inconvenient to carry coins, people usually carry only a few coins in general, so they will continue to collect coins unintentionally.

In addition, a seller or a service operator operating a convenience store, a mart, a taxi, a vending machine, etc. may need to secure change for business in advance, so it may be difficult to secure coins every time. According to a survey, the amount of coins distributed throughout the day is estimated at 500 million won for convenience stores, 143 million won for large stores, 500 million won for taxis, and 400 million won for vending machines. When translated into the year, the distribution scale reaches 5633.75 billion won.

For the Bank of Korea, which issues coins, there is a burden to continue to issue coins as the coins are not distributed in the market and are not distributed in the home.In general, considering the high cost of issuing coins, unnecessary huge budget is wasted. It is becoming.

Therefore, it is urgent to develop a system that can be easily charged by converting these coin changes into points.

On the other hand, when a consumer pays a small amount, it is common to pay in cash without using a card. However, the above mentioned change can also occur when paying in cash, so that the vicious cycle can be repeated more. In addition, in recent years, online commerce has been rapidly increasing, and credit card, bank book payment, etc. have been used as a payment method. However, in the case of a credit card, a small payment of less than 1,000 won is not possible, and in the case of a passbook deposit, a visit to a bank or an internet banking is required.

Therefore, in addition to the above filling system, the development of a system that can be easily used in a store on-line or offline at the time of small payment of the charged amount is also required.

Accordingly, it is an object of the present invention to provide a virtual wallet charging and settlement system and method for charging a small change generated at the time of a commerce to a virtual wallet and using the charged one at a small settlement. In addition, such charging and payment can be economical by utilizing existing credit card terminals, and the existing card merchant can be used as an affiliate of the present system, and the charging and payment system of the virtual wallet having a large ripple effect and its To provide a way.

According to the present invention, in the virtual wallet charging and payment system, the user receives the unique number assigned to the virtual wallet from the user who purchased the virtual wallet given a unique number, and register the charging of the virtual wallet And virtual wallet management server to manage the payment; And a merchant that inputs the registered unique number to the terminal and sends a balance charging request or a small payment request of the virtual wallet to the virtual wallet management server. Can be.

On the other hand, according to the present invention, in the charging and payment system of the virtual wallet, registered by receiving the unique number assigned to the virtual wallet and the user's mobile phone number from the user who purchased the virtual wallet given the unique number And, virtual wallet management server for managing the charging and payment of the virtual wallet; And a merchant for inputting the registered unique number or mobile phone number to a terminal to transmit a balance charging request or a small payment request of the virtual wallet to the virtual wallet management server. Can be achieved by

Here, the terminal is a credit card terminal, the charge request of the balance and the small payment request may be made through the credit card terminal.

The virtual wallet payment server may receive a deposit of a predetermined amount from the affiliated store, and settle according to the charging and payment details approved by the affiliated store every predetermined period.

On the other hand, according to the present invention, in the charging and payment method of the virtual wallet, the step of registering by receiving the unique number assigned to the virtual wallet purchased by the user and the mobile phone number of the user; If a balance charge request is transmitted from the merchant through the unique number or the mobile number, charging the virtual wallet with a point corresponding to the requested amount; And if the micro payment request is transmitted from the affiliated store through the unique number or the mobile phone number, subtracting the point corresponding to the requested amount from the virtual wallet, and charging the virtual wallet. It can be achieved by a payment method.

As described above, according to the present invention, a consumer does not need to carry a coin, and a seller does not need to secure a coin, thereby providing convenience to both, and enormous amount of coins. Provided are a charging and payment system for a virtual wallet and a method for reducing the cost. In addition, by utilizing the existing credit card terminal, there is no need to install a separate terminal to not only have economical efficiency, but also to use the existing card merchant as a member of this system charging and payment of the virtual wallet with a large ripple effect A system and method are provided.

Hereinafter, specific embodiments of the present invention will be described with reference to the drawings.

1 is a schematic diagram of a charging and payment system for a virtual wallet according to an embodiment of the present invention.

As shown in Figure 1, the virtual wallet charging and payment system according to the present invention includes a merchant 20 and the virtual wallet management server 10 of the system. Merchants (20, 20a, 20b, ...) and the virtual wallet management server 10 is connected to the network (30).

After the user purchases the virtual wallet 1 assigned with a unique number, the merchant 20 charges the change generated when the goods are traded or uses the amount charged in the virtual wallet 1 at the time of small payment.

The virtual wallet 1 may be purchased at the affiliated shop 20 of FIG. 1. The affiliated store 20 may be an offline or online store that provides a service of the system. For example, if a consumer wants to purchase a virtual wallet 1, he or she may stop by the merchant 20 to purchase the virtual wallet 1, and in another example, when a change occurs after purchasing an item, the seller may purchase the virtual wallet 1. It is also recommended to purchase or a consumer may purchase a virtual wallet 1 immediately to purchase a virtual wallet (1).

On the other hand, the electronic wallet may be sold at a separate seller other than the affiliated shop 20 of the service. For example, the virtual wallet 1 may be sold at an online site operated by the virtual wallet management server 10, and the user may access the site to purchase the virtual wallet 1. As another example, it may be sold at a kiosk installed at a bus stop that sells a bus card. Here, the sales amount of the virtual wallet 1 can be appropriately determined.

When the user purchases the virtual wallet 1, the user receives a unique number assigned to the virtual wallet 1. The unique number of the virtual wallet (1) can be provided to the user in the form of printed on the type of paper, plastic, and the like.

These types of goods are not directly used when filling and making small payments, but merely to allow the user to know the unique number. As such, the present invention can be charged and settled without a card, such as a credit card, a charge card, etc., so that it can be easily charged and settled without carrying a card.

The user can register the assigned unique number online or offline. For example, after a user purchases a virtual wallet 1 online or offline, the user accesses a web site operated by the virtual wallet management server 10 and enters a unique number and personal information granted through a registration menu to register the use. You can complete As another example, the registration number may be registered by inputting a unique number and personal information, which are assigned by the affiliated store 20 or the registration destination on the offline.

At this time, the user can register the use by entering the mobile number with the unique number. This is because it is difficult for a user to always carry a medium with a unique number printed on it, and it may be difficult to memorize the unique number. In addition, by inputting a mobile phone number, the charging and payment information can be serviced by a mobile phone character, so that the user can immediately know whether the charging and payment has been made properly can provide the user's convenience.

Merchants 20 of the service provided by the present invention may be a shop having a credit card terminal 21, as shown in FIG.

After the consumer purchases the goods or services at the merchant 20, if a change occurs, the credit card terminal 21 provided at the merchant 20 inputs the unique number or mobile phone number of the virtual wallet 1 owned by the consumer. The balance can be sent to the virtual wallet management server 10 request. Similarly, after purchasing goods or services at the merchant 20, the credit card terminal 21 by entering the unique number or mobile phone number of the virtual wallet (1) owned by the virtual wallet management server 10 for a small amount Payment request can be sent.

In the present invention, by simply entering a mobile number with a unique number can be charged to the balance or a small amount in the virtual wallet (1), it is possible to facilitate the user's convenience.

However, when entering a mobile phone number instead of a unique number at the time of payment, additional information may be required. For example, it is possible to register a password at the time of use registration, when the payment request to the mobile phone number can be further inputted the password can further strengthen the security of the virtual wallet (1).

As described above, in the present invention, since the conventional credit card terminal 21 can be utilized, the conventional credit card merchant 20 network can be utilized as the affiliated shop 20 network of the present system, thereby securing a wide range of service networks. In addition, there is no need to install a separate terminal can reduce the cost of building the system.

However, in order to charge and settle the virtual wallet 1 using the conventional credit card terminal 21 in the present invention, it is necessary to upgrade a program such as firmware stored in the conventional credit card terminal 21. This program is a program for creating a menu for selecting and guiding the charging and payment of the virtual wallet 1, and if the charging and payment of the virtual wallet 1 of the present invention is selected, the information is transferred to the virtual wallet management server 10. It may include a program related to the setting of the data transmission destination to transmit, or a menu generating program for receiving the unique number and mobile phone information of the purchased virtual wallet 1.

Meanwhile, in the system according to the present invention, payment of the virtual wallet 1 may be made in an online store. FIG. 2 schematically illustrates a screen on which a payment of the virtual wallet 1 is made in an online store according to an embodiment of the present invention. As shown in FIG. 2, the user may select “00 virtual wallet point” in the method of selecting an online payment method when paying for an item, and at this time, may request a payment by inputting a unique number or a mobile phone number and a password. The online payment program interworks with the virtual wallet management server 10 to process the approval of the payment.

Here, when the virtual wallet 1 is charged and settled in the online store, the service may be provided separately from whether the credit card is settled in the corresponding store.

The virtual wallet management server 10 receives and registers the unique number assigned to the virtual wallet 1 from a user who purchases the virtual wallet 1, and manages charging and payment of the virtual wallet 1.

As described above, the virtual wallet management server 10 may operate a web site for receiving the user registration of the unique number of the electronic wallet, if the user registration of the electronic wallet purchased by the user through the web site, Information is constructed and managed as a database of the virtual wallet (1). In addition, even when a user registration is made through the affiliate store 20, a unique number transmitted through the affiliate store 20 is built and managed as a database.

The user can access the web site operated by the virtual wallet management server 10 to check the balance point of his or her virtual wallet 1, and can be accessed using a mobile device such as a mobile phone. This website allows you to sell a small amount of goods or services, and users can access the website and use the points charged in their electronic wallets for products they want at the mall, such as mobile phone decorating, ringtones and ring back tones. You can buy it. From the perspective of the operating company of the virtual wallet management server 10, it is possible to obtain a profit by entering an online store on the web site.

In addition, as described above, the mobile phone number of the user may be input and registered together with the unique number assigned to the virtual wallet 1, and charging and settlement may be performed using the registered mobile number instead of the unique number.

When a charge and payment request is transmitted using a unique number or a mobile number from the affiliate store 20, the virtual wallet management server 10 checks whether or not a matching virtual wallet 1 exists, and approves the charging and deduction. do. At this time, the charging and deduction of the amount is made by converting to points. For example, the amount of 300 won is converted to 300 points and charged or deducted.

Meanwhile, the virtual wallet management server 10 may receive a predetermined amount from the merchant 20 as a deposit and settle the amount according to the charge and deduction details made in the affiliated store 20 for a predetermined period. Reserves can be set differently by industry or by performance, and settlement periods can also be determined in various ways. For example, if a deposit amount of 3 million won is determined in consideration of the past performance, the store deposits 3 million won to the business operating the virtual wallet management server 10, and charges are made in the store on a weekly basis. And the settlement may be made according to the details of the deduction.

For example, if the amount of 2 million won is charged and the amount of 2.5 million won is paid for a week in the store, the virtual wallet management server 10 will pay the difference of 500,000 won to the merchant 20. Of course, you can also keep that amount as a deposit. As another example, if the amount of 3 million won is charged, and the amount of 1 million won is paid, the merchant 20 is requested to deposit an additional amount of 2 million won.

On the other hand, it may be settled using the gross settlement method instead of the settlement method as described above. For example, as if sending a mobile phone bill, the virtual wallet management server 10 sends a description of the charge and payment history for a certain period to the merchant 20, the merchant 20 pays the difference or the difference according to the specification You can use the method to get back. Here, the payment of the difference can be paid using the balance charging method. That is, the difference can be easily paid by paying the difference with the virtual wallet of the virtual wallet management server 10. The same can be used to get the difference back.

3A and 3B are flowcharts schematically illustrating a method of charging and paying a virtual wallet according to an embodiment of the present invention.

As shown in FIG. 3A, a user may purchase a virtual wallet 1 through a web site operated by an affiliate store 20, a separate seller, or a virtual wallet management server 10 (S10). The user who purchases the virtual wallet 1 requests a user registration by inputting a unique number and a mobile phone number in the menu of the website or through the credit card terminal 21 of the merchant 20, and the virtual wallet management server 10 ) Registers a unique number and a mobile phone number for the virtual wallet (1) requesting the use registration (S11).

 Then, if the user wants to charge the virtual wallet (1) without receiving the change after purchasing the goods in the merchant 20 (store), tells the merchant 20 a unique number or a mobile phone number. The merchant 20 selects the charging function and the charging amount of the virtual wallet 1 from the provided credit card terminal 21 and charges the balance to the virtual wallet management server 10 by inputting a unique number or a mobile number provided by the user. The request is transmitted (S12).

The virtual wallet management server 10 receives a balance charge request transmitted from the affiliated store 20 through the network, and finds the virtual wallet 1 corresponding to the transmitted unique number or mobile number (S13). If the virtual wallet 1 does not exist, an error message is transmitted (S14), so that the merchant 20 can try to charge the balance again.

If the virtual wallet 1 is present, the virtual wallet management server 10 notifies that the affiliated shop 20 has been approved and the amount charged to the virtual wallet 1 is converted to points to be charged (S15). . When the charging is made, the virtual wallet management server 10 may transmit the charging details by text using the mobile phone number of the user of the virtual wallet (1). Accordingly, the user can easily check whether the charging is properly made, whether the amount is correct or how much the balance is.

Figure 3b is a description of how to pay for the goods using the points charged in the virtual wallet (1).

When the user wants to pay the price using the points charged in the virtual wallet (1) rather than cash after purchasing the goods in the merchant (20), it tells the merchant (20) a unique number or a mobile phone number. The merchant 20 selects the virtual wallet 1 payment function and the payment amount from the provided credit card terminal 21 and inputs a unique number or a mobile number provided by the user to make a small payment request to the virtual wallet management server 10. It transmits (S20). In this case, if the mobile number is entered, enter the password together. This is to prevent intercepting the charged point of the other person's virtual wallet (1) using the other person's mobile phone number.

The virtual wallet management server 10 determines whether the transmitted data is a unique number or a mobile number (S21, S27). The determination can be determined, for example, by the difference between the number of digits of the unique number and the mobile number, that is, the amount of data.

If a unique number is entered (S21), the virtual wallet management server 10 finds a virtual wallet (1) corresponding to the unique number (S22), if there is no corresponding virtual wallet (1) error message merchant 20 Transfer to (S23).

If the virtual wallet 1 exists, the point charged in the virtual wallet 1 is compared with the payment request amount (S24), and if the balance is sufficient, the payment request amount is converted into points in the virtual wallet (1). The deduction is made (S25). When the payment is made, the virtual wallet management server 10 may transmit the payment details by text using the mobile phone number of the user. The user can easily check whether the payment is properly made, the amount of money and the balance after payment through the transmitted text.

If the balance is insufficient, the balance shortage message is transmitted to the affiliated shop 20 (S26).

On the other hand, if the merchant 20 enters a mobile phone number other than the unique number (S27), find a virtual wallet (1) corresponding to the mobile phone number (S28), if there is no corresponding virtual wallet (1) transmits an error message (S29). If the virtual wallet 1 exists, it is determined whether the input password coincides with the registered password (S30), and if it matches, the above-described steps S24 to S26 are performed. If the password does not match and sends an error message to the affiliated shop (20) (S29).

As such, according to the present invention, a user can conveniently charge or pay a small amount using a unique number or a mobile phone number instead of carrying a card, thereby providing user convenience.

Hereinafter, an example in which the system of the present invention is used as a single wallet will be described.

The virtual wallet 1 of the present invention may be owned by a group rather than an individual. For example, a club or a company, a department, an institution, etc. own a single virtual wallet (1), and people belonging to this group can earn the balance individually using a unique number or a mobile phone number. Here, a mobile phone number may be registered in a large number so that group members can easily accumulate using their mobile phone number. However, in the case of settlement, it is desirable to provide a protection device so as not to be tampered with. Such a protection device may be one way of restricting the use of a unique number when making a payment in the case of a virtual wallet 1 registered with several mobile phones.

The accumulated points can be used to donate to social organizations. Considering the reality that the donation culture is weak, if a single virtual wallet (1) is registered in the name of the organization and individuals can donate to the social organization by accumulating unpaid change, it can contribute to the promotion of the donation culture. will be. Of course, the accumulated points can also be used to purchase items that organizations need.

Although some embodiments of the invention have been shown and described, it will be apparent to those skilled in the art that modifications may be made to the embodiment without departing from the spirit or spirit of the invention. . It is intended that the scope of the invention be defined by the claims appended hereto and their equivalents.

1 is a schematic diagram of a charging and payment system for a virtual wallet according to an embodiment of the present invention.

Figure 2 schematically shows a screen in which the payment of the virtual wallet in the online store according to an embodiment of the present invention.

3A and 3B are flowcharts schematically illustrating a method of charging and paying a virtual wallet according to an embodiment of the present invention.

Claims (5)

In the charging and payment system of the virtual wallet, A virtual wallet management server that receives and registers the unique number assigned to the virtual wallet from a user who purchases a virtual wallet assigned with a unique number, and manages charging and payment of the virtual wallet; And And a merchant for inputting the registered unique number to a terminal to transmit a balance charging request or a small payment request of the virtual wallet to the virtual wallet management server through a network. In the charging and payment system of the virtual wallet, A virtual wallet management server that receives and registers the unique number assigned to the virtual wallet and the user's mobile number from a user who purchases the virtual wallet assigned with the unique number, and manages charging and payment of the virtual wallet; And Charging and payment of the virtual wallet, comprising the merchant to input the registered unique number or mobile number to the terminal to send the balance payment request or small payment request of the virtual wallet to the virtual wallet management server through the network; system. The method of claim 1, The terminal is a credit card terminal, the charging and payment system of the virtual wallet, characterized in that the charge request of the balance and the small payment request is made through the credit card terminal. The method of claim 1, The virtual wallet payment server receives a deposit of a predetermined amount from the merchant, and the charging and payment system of the virtual wallet, characterized in that settles in accordance with the charging and payment details approved by the merchant every predetermined period. In the charging and payment method of the virtual wallet, Registering and receiving a unique number assigned to a virtual wallet purchased by a user and a mobile phone number of the user; If a balance charge request is transmitted from the merchant through the unique number or the mobile number, charging the virtual wallet with a point corresponding to the requested amount; And When the micro payment request is transmitted from the merchant through the unique number or the mobile number, charging and payment of the virtual wallet comprising the step of subtracting the point corresponding to the requested amount from the virtual wallet Way.

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