KR20100104199A - Payment sharing method and system - Google Patents

Abstract

PURPOSE: A payment sharing method and a system thereof are provided to issue a cash receipt and transfer balance during cash payment for product purchase or service use. CONSTITUTION: An input unit(220) receives reception amount information, fee information, and client identification information. A communication unit(260) transmits the fee information and client identification information to a receipt issuing system through a communication network. The communication unit transmits balance information and the identification information to a balance processing system. The balance information is the difference between the fee information and the reception amount information. The balance information is calculated by a member store terminal or the balance processing system.

Description

Payment sharing method and system {Payment sharing method and system}

The present invention relates to payment of costs for goods purchase and service use, and more particularly, to a method and system for payment amount distribution service for goods purchase and service use.

Generally, cash payment, credit card payment, gift voucher payment, and other point payment methods are used for payment of goods and services.

Among these, in the payment method using a credit card, the history data according to the consumption behavior of the customer is computerized, and the customer can easily use the history data when reporting the tax deduction. In addition, the credit card payment method can eliminate the possibility of tax evasion of the seller, and there is no exchange of change in the customer's consumption behavior can minimize the cost of coin casting of the national institution (ie, the mint).

However, the cash payment method has a lot of problems because the customer's consumption behavior is not managed by computerized historical data.

To solve this problem, a cash receipt system was introduced from January 1, 2005, and customers can obtain a cash receipt by presenting a cash receipt card or a mobile phone number when paying cash.

Hereinafter, a method for issuing a cash receipt according to the prior art will be briefly described.

The customer visits the cash receipt merchant and receives the desired product or service, requests a cash payment for the cost of the provided product / service, and at the same time provides a means for verifying his / her identity (for example, a telephone number and a cash receipt card). Ask for issuance of cash receipts while presenting.

Merchants who are requested to issue cash receipts must pay for the cost of goods / services provided to the customer and authentication information for the customer (for example, credit card information, debit card information, membership card information, social security number, mobile phone number, etc.). Request the registration of the cash payment history for the customer by transmitting to the cash receipt operator system in real time through the communication network. At this time, the cash receipt operator system stores the customer's authentication information and product / service costs in the storage means, and notifies the merchant to approve the registration of the cash payment history for the customer.

After the merchant receives approval from the cash receipt operator system to register the cash payment details for the customer, the merchant issues a cash receipt for the cash payment. Thereafter, the cash receipt operator transmits the stored cash payment details for each customer to the IRS through a communication network at predetermined intervals (for example, once a day), and the IRS receives the payment details to each cash receipt provider system. After that, the cash payment history of each customer is accumulated and constructed as data. The IRS can provide income deductions to customers based on the data established.

As described above, according to the conventional method for issuing cash receipts, there is an advantage in that history management and tax deduction benefits can be granted for cash settlement.

In addition, the cash receipt system, which required the issuance of cash receipts only for cash payments of 5,000 won or more, was lifted from July 2008, allowing more accurate cash management.

However, issuance of cash receipts for cash payments of less than 5,000 won is not generalized, and even if customers make cash payments of more than 5,000 won, they do not require issuance of cash receipts.

In addition, there is a problem that the cash receipt system does not solve the change (for example, coins) that is exchanged due to a mismatch between receipts and charges in cash settlement. Changes are generally kept in the home's piggy banks because customers don't realize their importance. According to the Bank of Korea's data, about 120 billion won of coins issued in 2007 are sleeping in chests, desk drawers, and piggy banks, and measures to increase the exchange rate of coins are needed due to the increase in coin casting costs. Pointing out.

The present invention is to provide a payment amount distribution service method and system for the cash receipt issuance and balance transfer processing at the time of cash payment for the purchase of goods and service use.

In addition, the present invention can be generalized issuance of cash receipt regardless of the high and low rates of cash payment, it is possible to secure tax transparency, to provide a payment amount distribution service method and system that can maximize the income deduction benefits of customers will be.

In addition, the present invention can reduce the distribution of coins by having the balance generated during the cash settlement by the electronic banking service, payment amount distribution service method that can reduce the coin casting cost in proportion to the reduced circulation of coins and It is to provide a system.

In addition, the present invention is to provide a payment amount distribution service method and system that allows the balance in the cash settlement can be utilized for various purposes.

Other objects of the present invention will be readily understood through the following description.

According to an aspect of the present invention, there is provided a recording medium recording a payment amount distribution service method and a program for performing the method.

The payment amount distribution service method performed in the affiliated store terminal according to an embodiment of the present invention may include: receiving receipt information, fee information, and customer identification information; And transmitting the fee information and the customer identification information to a receipt issuing system through a communication network, and transmitting the balance information and the customer identification information to a balance processing system.

The balance information may be calculated by the affiliated store terminal or the balance processing system by the difference between the receipt amount information and the fee information.

The step of transmitting to the balance processing system may include determining whether a predetermined transmission condition is satisfied; If not satisfied, storing the balance information and the customer identification information in a storage unit; And if it is satisfied, reading the balance information and the customer identification information which have not been transmitted and stored in the storage unit, and transmitting the read balance information and the customer identification information to the balance processing system.

The balance processing system may transfer the amount of money corresponding to the balance information using a customer account number recognized by the customer identification information.

The balance processing system may deduct an amount corresponding to the balance information from the unpaid amount recognized by the customer identification information. Here, the unpaid amount may be, for example, at least one of credit card use amount, communication service fee, utility bill, apartment management fee, loan, loan interest, and the like.

The payment amount distribution service method includes: receiving approval information from the receipt issuing system; And outputting a receipt using the received approval information.

The merchant terminal may be at least one of a receipt issuing device, a vending machine, and a transportation fee terminal.

In accordance with another embodiment of the present invention, a payment amount distribution service method performed in a distribution service system includes: receiving receipt information, fee information, and customer identification information transmitted from an affiliated store terminal through a communication network; And transmitting the fee information and the customer identification information to a receipt issuing system through a communication network, and transmitting the balance information, which is the difference between the received amount and the fee, to the balance processing system.

The step of transmitting the balance information to the balance processing system may include determining whether a predetermined transmission condition is satisfied; If not satisfied, storing the balance information in a storage unit; And if it is satisfied, reading the balance information which has not been transmitted and stored in the storage unit and transmitting the remaining balance information to the balance processing system.

The distribution service system may transmit the customer identification information together with the balance information to the balance processing system. In this case, the balance processing system may transfer the amount of money corresponding to the balance information using the customer account number recognized by the customer identification information.

The payment amount distribution service method may include: recognizing a customer account number corresponding to the customer identification information by referring to previously stored customer information; And transmitting the customer account number to the balance processing system. In this case, the balance processing system may transfer the amount of money corresponding to the balance information using the customer account number.

The balance processing system may deduct an amount corresponding to the balance information from the unpaid amount recognized by the customer identification information.

One or more of the receipt issuing system and the balance processing system may be included as one component of the distribution service system.

According to another aspect of the present invention, there is provided a merchant terminal and a distribution service system for performing a payment amount distribution service method.

Merchant terminal according to an embodiment of the present invention, the input unit for receiving receipt information, fee information and customer identification information; And a communication unit configured to transmit the fee information and the customer identification information to a receipt issuing system through a communication network and to transmit balance information and the customer identification information to a balance processing system.

The balance information may be calculated by the affiliated store terminal or the balance processing system by the difference between the receipt amount information and the fee information.

The merchant terminal determines whether a predetermined transmission condition is satisfied, and if not satisfied, the balance information and the customer identification information are stored in a storage unit, and if satisfied, the remaining balance is not transmitted and stored in the storage unit. The apparatus may further include a controller configured to read the information and the customer identification information and transmit the information and the customer identification information to the balance processing system.

The balance processing system may transfer the amount of money corresponding to the balance information using a customer account number recognized by the customer identification information.

The balance processing system may deduct an amount corresponding to the balance information from the unpaid amount recognized by the customer identification information.

The affiliated store terminal may further include a receipt issuing unit for outputting a receipt using the approval information received from the receipt issuing system through the communication unit.

The affiliated store terminal may be, for example, one or more of a receipt issuing device, a vending machine, a transportation fee terminal, and the like.

According to another aspect of the present invention, there is provided a distribution service system, including: a receiver configured to receive receipt information, fee information, and customer identification information transmitted from an affiliated store terminal through a communication network; And a communication unit configured to transmit the fee information and the customer identification information to a receipt issuing system through a communication network, and transmit balance information, which is a difference between a received amount and a fee, to a balance processing system.

The distribution service system determines whether a predetermined transmission condition is satisfied, and if not satisfied, stores the remaining balance information in a storage unit, and if satisfied, reads out the remaining balance information, which is not transmitted and stored in the storage unit. The control unit may further include a control unit for transmitting the balance to the balance processing system.

The customer identification information may be further transmitted to the balance processing system through the communication unit. In this case, the balance processing system may transfer the amount of money corresponding to the balance information using the customer account number recognized by the customer identification information.

The distribution service system may further include a customer information recognizing unit configured to recognize a customer account number corresponding to the customer identification information by referring to previously stored customer information. The customer account number is transmitted to the balance processing system through the communication unit, and the balance processing system may transfer the amount corresponding to the balance information using the customer account number.

The balance processing system may deduct an amount corresponding to the balance information from the unpaid amount recognized by the customer identification information.

One or more of the receipt issuing system and the balance processing system may be included as one component of the distribution service system.

Other aspects, features, and advantages other than those described above will become apparent from the following drawings, claims, and detailed description of the invention.

According to an embodiment of the present invention, there is an effect that the cash receipt issuance and balance transfer processing are performed at the time of cash payment for the purchase of goods and the use of services.

In addition, cash receipts can be generalized regardless of the high or low rates of cash payments, thereby ensuring tax transparency and maximizing the income deduction benefits of customers.

In addition, by allowing the balance generated during the cash settlement to be processed by the electronic banking service can reduce the circulation of coins, there is also an effect that can reduce the coin casting cost in proportion to the reduced circulation of coins.

In addition, there is an effect that the balance in the cash settlement can be utilized for various purposes.

As the invention allows for various changes and numerous embodiments, particular embodiments will be illustrated in the drawings and described in detail in the written description. However, this is not intended to limit the present invention to specific embodiments, it should be understood to include all transformations, equivalents, and substitutes included in the spirit and scope of the present invention. In the following description of the present invention, if it is determined that the detailed description of the related known technology may obscure the gist of the present invention, the detailed description thereof will be omitted.

The terms first, second, etc. may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another.

The terminology used herein is for the purpose of describing particular example embodiments only and is not intended to be limiting of the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In this application, the terms "comprise" or "have" are intended to indicate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, and one or more other features. It is to be understood that the present invention does not exclude the possibility of the presence or the addition of numbers, steps, operations, components, components, or a combination thereof.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, and in the following description with reference to the accompanying drawings, the same or corresponding components are given the same reference numerals and redundant description thereof will be omitted. Shall be.

1 is an overall configuration diagram of a payment amount distribution service system according to an embodiment of the present invention, and FIG. 2 is a block diagram of an affiliated store terminal according to an embodiment of the present invention.

Referring to FIG. 1, the payment amount distribution service system may include an affiliate store 110, a receipt operator 120, an IRS 130, a balance processing system 140, and a distribution service provider system 150. Each of the components shown in FIG. 1 may constitute a payment amount distribution service system as a whole, but a part (for example, the affiliate store 110, the receipt operator 120, the IRS 130, and the balance processing system 140). ) May also constitute a payment amount distribution service system.

Merchant 110 generates revenue by selling goods or providing services to customers. The affiliated store 110 may have a variety of names depending on the goods sold and / or the services provided, for example, restaurants, hypermarkets, retail stores, lodgings, transportation, vending machines, theatres, stadiums, terminals, etc. This may be the case.

The affiliated store 110 is provided with an affiliated store terminal 210, and the affiliated store terminal 210 may have various names and shapes according to the provided form. For example, the affiliated store terminal 210 may be a cash receipt machine provided in a restaurant, a charge terminal provided in a bus, or a charge processor provided at one side of a vending machine. However, the affiliated store terminal 210 will be coupled to the communication network in order to be able to transmit a cash receipt issuance request and the like through the communication network.

2 is a block diagram of an affiliated store terminal according to an embodiment of the present invention.

2, the merchant terminal 210 includes an input unit 220, a display unit 230, an amount calculator 240, a customer recognition unit 250, a communication unit 260, a receipt issuing unit 270, and a storage unit. 280 and the control unit 290. Some of the components of the affiliated store terminal 210 may be omitted, and one or more of the components may be implemented as a software program that is a combination of program codes and the like.

The input unit 220 is a means for inputting receipt information and fee information so as to use a cash receipt issue and / or payment amount distribution service. If the customer identification information is a phone number, resident registration number, or the like input by the customer who can operate the merchant owner or the merchant terminal 210, the customer identification information may be input through the input unit 220. The input unit 220 may be displayed through, for example, the display unit 230 implemented as a touch screen or implemented in the form of a keyboard composed of a plurality of keys.

The display unit 230 displays a transaction history or the like on the screen, or displays a menu or the like to receive information about the customer. As described above, the display unit 230 may be configured to enable a function input using a touch screen or the like.

The amount calculation unit 240 calculates a balance (change) using the receipt information and the fee information input by the merchant owner. In addition, the amount calculation unit 240 may calculate the sales amount and / or purchase amount of a predetermined period unit at the request of the merchant owner.

When the customer recognition unit 250 contacts customer's own recognition means (for example, a cash receipt card, credit card, mobile phone, etc.), the customer recognition information is read from the recognition means. For example, the customer recognition unit 250 reads customer identification information using information stored in a magnetic strip attached to the recognition means, or reads customer identification information using information stored in an IC chip or an RFID chip inserted in the recognition means. I can ship it.

The communication unit 260 transmits a cash receipt issuance request including fee information input to the receipt operator system 310 of the receipt operator 120, and receives approval information from the receipt operator system 310. In addition, the communication unit 260 transmits a financial service request including balance information and the like to the balance processing system 140, and receives a processing response from the balance processing system 140. Subsequently, as described with reference to the accompanying drawings, the communication unit 260 transmits the charge information and the balance information, etc. to the distribution service provider system 150, and the distribution service provider system 150 transmits the corresponding information to the receipt service provider system 310. And the balance processing system 140 may be transmitted.

The receipt issuing unit 270 outputs a cash receipt corresponding to the approval information received from the receipt operator system 310 through the communication unit 260. The receipt issuing unit 270 may further include information according to the processing response received from the balance processing system 140 in the cash receipt.

The storage unit 280 stores a program and / or cash receipt issuance history for controlling and driving the affiliated store terminal 210. The storage unit 280 may further store balance information for each customer.

The controller 290 controls the operations of the above-described components, and exchanges information with the receipt operator 120 through the communication unit 260.

Referring back to FIG. 1, the receipt operator system 310 of the receipt operator 120 receives the cash payment history including the charge information and the customer identification information from the merchant terminal 210 and confirms it, and confirms the approval information with the merchant terminal ( 210). In addition, the receipt operator system 310 transmits the approved customer-specific cash payment history in real time or at predetermined cycles to the IRS system of the IRS 130. As described in the following embodiments, the receipt operator system 310 may receive a cash payment history from the card payment agency, the balance processing system 140 or the distribution service provider system 150, and the merchant Functions as a distribution service provider system 150 that receives a processing request including charge information and balance information from the terminal 210 and transmits a financial service request to the balance processing system 140 as well as an approval process for issuing a cash receipt. You may.

The IRS system included in the IRS 130 receives cash payment details for each customer from the receipt operator system 310 and stores them in a database.

The balance processing system 140 transfers the corresponding financial service processing (for example, the amount corresponding to the balance information) to the customer's account according to the financial service request received from the merchant terminal 210 or the distribution service provider system 150. ), And transmits the processing response to the merchant terminal 210 or the distribution service provider system 150. The balance processing system 140 may be, for example, a financial company system 320 provided in a financial institution, a distribution service provider system 150, an IRS system, or the like.

3 is a view showing a payment amount distribution service method according to an embodiment of the present invention, Figure 4a is a view showing an example of a receipt issued by the merchant terminal according to an embodiment of the present invention, Figure 4b is 21 illustrates an example of a bankbook record indicating a result of performing a financial service according to an embodiment of the present invention.

3 shows that the merchant terminal 210 separates the cash receipt issuance and the financial service request, and transmits the received cash receipt system and the financial service system to the financial company system 320 and the receipt operator system 310, respectively, and the balance processing system 140 is the financial company system 320. An embodiment of is shown.

Referring to FIG. 3, in step 310, the affiliated store terminal 210 performs payment processing. Payment processing is processed by receiving receipt information and fee information by the merchant owner. In addition, after the payment processing, customer identification information may be further input or read by the customer recognition unit 250 for issuing cash receipts or processing balances. Here, the customer identification information is information for identifying a customer for which a cash receipt is to be issued, for example, a telephone number, a social security number, a card number, etc., and may be provided to a merchant owner through a voice of a customer or read from a recognition means owned by the customer. . In this case, it may be selected by the customer whether the balance is to be transferred to the customer's account or the like in the illustrated financial service method or actually received as a change.

The merchant terminal 210 may recognize how much money is received from the customer by the payment processing according to step 310, how much is the balance, and to whom the cash receipt will be issued.

In operation 320, the affiliated store terminal 210 transmits a cash receipt issuance request to the receipt operator system 310 through a communication network. The merchant terminal 210 may transmit, for example, fee information and customer identification information to the receipt operator system 310 for a cash receipt issuance request.

In operation 330, the affiliated store terminal 210 transmits a financial service request to the financial company system 320 through a communication network. For requesting financial services, the merchant terminal 210 transmits balance information (or receipt information and fee information for enabling the calculation of balance information) and customer identification information, for example.

The receipt operator system 310 performs a procedure for issuing a cash receipt according to the request of the affiliated store terminal 210, and then transmits the approval information to the affiliated store terminal 210 in step 340. Since the preliminary procedure and operation for the receipt operator system 310 to transmit the approval information to the affiliated store terminal 210 have already been described above, a description thereof will be omitted.

In addition, the financial institution system 320 performs a financial service selected by default or a financial service selected by a customer, and then transmits a processing response to the affiliated store terminal 210 in operation 350. Financial institution system 320 may read the customer account number information stored in the database to correspond to the customer identification information received for the performance of the requested financial services. The response to at least one of the cash receipt and the processing response may be transmitted to the affiliated store terminal 210 or transmitted to the mobile communication terminal of the customer recognized by the customer identification information.

Here, the financial service may include, for example, a balance transfer to a customer account number corresponding to the customer identification information, a balance transfer using a virtual account number designated to correspond to the customer identification information by a credit card company or a telecommunications company, designated by default or specified by the customer. This can be a balance transfer for donations to a group, a balance transfer for payment of utility bills or apartment management fees, and the like. Customer account numbers, etc., are designated by default for the financial services described above, or any type of service (e.g., bank transfer, donation, bill payment, etc.) and customer account number for bank transfer for use of the financial services desired by the customer. You can also specify. In this case, when the customer uses the balances for the purpose of donation, the donation amount of the customer may be clearly calculated, and the customer may use the donation amount for income deduction at the end of the year-end settlement.

In addition, the money for the balance transfer may be, for example, money accumulated in the merchant owner's account, or money transferred to the customer account number or the like in the balance processing system 140 on condition that it is provided from the merchant owner.

The above-described steps 320 and 340 and steps 330 and 350 may be performed together in real time, or may be sequentially performed in time series.

Thereafter, the merchant terminal 210 outputs a receipt in step 360.

An example of a receipt issued by the affiliated store terminal 210 is illustrated in FIG. 4A.

Referring to FIG. 4A, the receipt 410 may include purchase item information 420, price information 430, payment information 440, and financial service information 450.

Financial service information 450 includes results according to financial services designated by default or specified by the customer. For example, the financial service information 450 may be left blank when the customer actually receives the balance as change or when the processing result is transmitted to the mobile communication terminal of the customer in the form of a text message.

In addition, Figure 4b, when the customer specifies a financial service that allows the balance is automatically transferred to the account, the account details of the customer is illustrated.

As illustrated in FIG. 4B, the affiliated store terminals 210 requesting financial services for the balance information may be terminals provided in a restaurant, a large mart, as well as a stationery store, a pizza specialty store / delivery store, and the like.

In addition, the affiliated store terminal 210 may further include a charge terminal or a vending machine provided in the means of transportation. For example, in the case of a vending machine, it is easy to recognize how much money is input, how much the customer has selected, and how much is left in the balance, and the information is processed according to the customer's request. The system 140 may be transmitted to and processed by one or more of the system 140, the distribution service provider system 150, and the like. In addition, even in the case of the fare terminal provided in the means of transportation may be implemented by enabling the cash input in the form of a cash inlet provided in the vending machine to enable the same effect.

In addition, if the merchant terminal 210 is a device capable of performing one or more embodiments described herein, it is natural that the same may function regardless of the place or name.

5 is a view showing a payment amount distribution service method according to another embodiment of the present invention.

In FIG. 5, the receipt service system 310 serving as the distribution service provider system 150 separates the processing request received from the merchant terminal 210 into a cash receipt issuance and a financial service request, so that approval processing for cash receipt is directly performed. An embodiment is shown where the processing, but the financial service request is sent to the corresponding financial institution system 320.

The distribution service provider system 150 may transmit a financial service request to the financial institution system 320, but transfers the amount corresponding to the financial service request from its own account to the account for each customer, and then the amount corresponding to the balance processing request. You can also request payment at each merchant.

Referring to FIG. 5, in operation 510, the affiliated store terminal 210 performs payment processing. Payment processing will be processed by the receipt amount information and fee information by the merchant owner, at this time customer identification information may be further provided.

In operation 520, the affiliated store terminal 210 transmits a processing request to the receipt service provider system 310, which is the distribution service service provider system 150, through a communication network. The processing request sends, for example, receipt information, fee information and customer identification information.

The receipt operator system 310 performs a financial service request to the financial institution system 320 in step 530. The financial service request transmits, for example, balance information (or receipt information and fee information) and customer identification information, and the financial institution system 320 uses the balance information and customer identification information to perform a predetermined or requested financial service. do.

Here, when the financial institution system 320 is the IRS system, the receipt operator system 310 may transmit a financial service request in real time or periodically, and the IRS system corresponds to the balance information of the customer with the account number of the customer corresponding to the customer identification information. You can also send money. In this case, the IRS system may include the accumulated amount corresponding to each balance information in the tax bill imposed on each merchant owner.

The receipt operator system 310 receives a processing response to the financial service request from the financial institution system 320 in step 540, and proceeds to step 550 to include a cash receipt issuance request and a response including the received processing response to the merchant terminal 210. To send). When the processing response to the financial service request is transmitted from the financial institution system 320 to the mobile communication terminal of the customer, the processing response received through step 540 may not be included in the response transmitted to the affiliated store terminal 210.

In step 560, the merchant terminal 210 issues a receipt with reference to the information received from the receipt operator system 310.

It has been described on the assumption that the distribution service provider system 150 is a receipt provider system 310.

However, the distribution service provider system 150 may be a financial institution system 320 or an IRS system or an independent system.

If the distribution service provider system 150 is the financial company system 320, the processing request received from the merchant terminal 210 is divided into a cash receipt issuance and a financial service request, and the financial service request is directly processed, but the cash receipt issuance request is received. It may be transmitted to the operator system 310. In this case, the financial company system 320 may perform the functions of the distribution service provider system 150 and the balance processing system 140, and the financial company system 320 requests the financial service to a separate balance processing system 140. Can also be transmitted.

In addition, if the distribution service provider system 150 is an IRS system or an independent system, the processing request received from the merchant terminal 210 is separated into a cash receipt issuance and a financial service request, respectively, and the receipt operator system 310 and the financial company system are respectively. May also be sent to 320. In this case, the distribution service provider system 150 may directly perform one or more of the processing and financial services for issuing cash receipts. If the IRS system or the like directly performs financial services, it functions as the distribution service provider system 150 and the balance processing system 140.

In addition, in each of the embodiments described herein, a financial service request is transmitted to the financial institution system 320, and the financial institution system 320 focuses on a method of recognizing the customer account number using the customer identification information included in the financial service request. Although described as, the distribution service provider system 150 may extract the customer account number corresponding to the customer identification information from the database and transmit it to the financial institution system 320 or the like.

6 is a diagram showing a payment amount distribution service method according to another embodiment of the present invention.

6 shows that the merchant terminal 210 separates the cash receipt issuance and the financial service request and transmits them to the receipt operator system 310 and the financial company system 320, respectively, depending on the necessity of real-time services. An embodiment is shown. Through this, communication load can be minimized and communication cost can be reduced.

Referring to FIG. 6, in step 610, the affiliated store terminal 210 performs payment processing. The payment process is processed by receiving the receipt amount information and the fee information by the merchant owner, wherein customer identification information may be further provided.

In step 620, the merchant terminal 210 transmits a cash receipt issuance request to the receipt operator system 310 through a communication network. The merchant terminal 210 may transmit, for example, fee information and customer identification information to the receipt operator system 310 for a cash receipt issuance request.

The merchant terminal 210 receives the approval information from the receipt operator system 310 in step 630 and issues a receipt in step 640.

Subsequently, in step 650, the affiliated store terminal 210 determines whether the transmission condition specified for the financial service batch request is satisfied. The period may be, for example, a point in time when a batch request command is input from the merchant owner, a designated time every day, or a designated period for each period in a predetermined time unit.

If the transmission condition is not satisfied, the process proceeds to step 610 again.

However, if the transmission condition is satisfied, the affiliated store terminal 210 proceeds to step 660 to extract the balance storage information stored in the storage unit. The balance storage information extracted in step 660 may include, for example, customer identification information and corresponding balance information (or receipt information and fee information), and balance storage information that has not yet been transmitted to the financial institution system 320.

In operation 670, the affiliated store terminal 210 transmits a financial service request using the balance storage information extracted to the financial institution system 320.

Subsequently, in step 680, the merchant terminal 210 receives a processing response from the financial institution system 320 according to the performance of the financial service. The financial institution system 320 may transmit the processing response to each customer corresponding to the customer identification information in the form of a text message.

The payment amount distribution service method described above may be implemented by a software program or the like. Codes and code segments constituting a program can be easily inferred by a computer programmer in the art. The program is also stored in a computer readable media, and read and executed by a computer to implement the method. The information storage medium includes a magnetic recording medium, an optical recording medium and a carrier wave medium.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention as defined in the appended claims. It will be understood that the invention may be varied and varied without departing from the scope of the invention.

1 is an overall configuration diagram of a payment amount distribution service system according to an embodiment of the present invention.

2 is a block diagram of an affiliated store terminal according to an embodiment of the present invention;

3 is a view showing a payment amount distribution service method according to an embodiment of the present invention.

Figure 4a is a view showing an example of a receipt issued by the merchant terminal according to an embodiment of the present invention.

4B is a view showing an example of a bank account record showing a result of performing a financial service according to an embodiment of the present invention.

5 is a view showing a payment amount distribution service method according to another embodiment of the present invention.

6 is a view showing a payment amount distribution service method according to another embodiment of the present invention.

Claims (28)

A payment amount distribution service method performed in a merchant terminal, Receiving receipt amount information, fee information, and customer identification information; And And transmitting the fee information and the customer identification information to a receipt issuing system through a communication network, and transmitting the balance information and the customer identification information to a balance processing system. The method of claim 1, And the balance information is calculated by the affiliated store terminal or the balance processing system by the difference between the receipt information and the fee information. The method of claim 2, The step of transmitting to the balance processing system, Determining whether a predetermined transmission condition is satisfied; If not satisfied, storing the balance information and the customer identification information in a storage unit; And And if it is satisfied, reading the balance information and the customer identification information which have not been transmitted and stored in the storage unit and transmitting the balance information to the balance processing system. The method of claim 2, And the balance processing system transfers the amount corresponding to the balance information using a customer account number recognized by the customer identification information. The method of claim 2, And the balance processing system subtracts the amount corresponding to the balance information from the unpaid amount recognized by the customer identification information. The method of claim 5, The outstanding amount is a payment amount distribution service method characterized in that at least one of credit card usage, communication service fees, utility bills, apartment management fees, loans, loan interest. The method of claim 1, Receiving approval information from the receipt issuing system; And The payment amount distribution service method further comprising the step of outputting a receipt using the received approval information. The method of claim 1, The merchant terminal is a payment amount distribution service method, characterized in that at least one of a receipt issuing device, a vending machine, a transportation fee terminal. A payment amount distribution service method performed in a distribution service system, Receiving receipt amount information, fee information, and customer identification information transmitted from an affiliated store terminal through a communication network; And And transmitting the fee information and the customer identification information to a receipt issuing system through a communication network, and transmitting the balance information, which is the difference between the received amount and the fee, to a balance processing system. 10. The method of claim 9, The step of transmitting the balance information to the balance processing system, Determining whether a predetermined transmission condition is satisfied; If not satisfied, storing the balance information in a storage unit; And And if it is satisfied, reading the balance information which has not been transmitted and stored in the storage unit and transmitting the balance information to the balance processing system. 10. The method of claim 9, The distribution service system transmits the customer identification information together with the balance information to the balance processing system, And the balance processing system transfers an amount corresponding to the balance information using a customer account number recognized by the customer identification information. 10. The method of claim 9, Recognizing a customer account number corresponding to the customer identification information by referring to previously stored customer information; And Further comprising the step of transmitting the customer account number to the balance processing system, And the balance processing system transfers the amount of money corresponding to the balance information using the customer account number. 10. The method of claim 9, And the balance processing system subtracts the amount corresponding to the balance information from the unpaid amount recognized by the customer identification information. 10. The method of claim 9, At least one of the receipt issuing system and the balance processing system is included as a component of the distribution service system. A program of instructions that can be executed by a digital processing apparatus is tangibly implemented to perform the payment amount distribution service method according to any one of claims 1 to 14, and records a program that can be read by the digital processing apparatus. Record carrier. As a merchant terminal, An input unit for receiving receipt information, fee information, and customer identification information; And And a communication unit configured to transmit the charge information and the customer identification information to a receipt issuing system through a communication network, and transmit the balance information and the customer identification information to a balance processing system. The method of claim 16, And the balance information is calculated by the affiliated store terminal or the balance processing system by the difference between the received amount information and the fee information. The method of claim 17, It is determined whether a predetermined transmission condition is satisfied, and if not satisfied, the balance information and the customer identification information are stored in a storage unit. If satisfied, the balance information and the customer which have not been transmitted and stored in the storage unit are satisfied. And a controller configured to read identification information and transmit the identification information to the balance processing system. The method of claim 17, And the balance processing system transfers the amount corresponding to the balance information using the customer account number recognized by the customer identification information. The method of claim 17, And the balance processing system subtracts the amount corresponding to the balance information from the unpaid amount recognized by the customer identification information. The method of claim 16, Merchant store terminal further comprising a receipt issuing unit for outputting a receipt using the approval information received from the receipt issuing system through the communication unit. The method of claim 16, The merchant terminal is at least one of a receipt issuing device, a vending machine, a transportation fee terminal. As a distribution service system, Receiving unit for receiving the receipt information, fee information and customer identification information transmitted from the merchant terminal through the communication network; And And a communication unit which transmits the fee information and the customer identification information to a receipt issuing system through a communication network, and transmits the balance information, which is the difference between the received amount and the fee, to a balance processing system. 24. The method of claim 23, It is determined whether a predetermined transmission condition is satisfied, and if not satisfied, the remaining balance information is stored in a storage unit. If satisfied, the remaining balance information is read out of the unsent and stored in the storage unit. Distribution service system further comprising a control unit for transmitting to the system. 24. The method of claim 23, The customer identification information is further transmitted to the balance processing system through the communication unit The balance processing system is a distribution service system, characterized in that the transfer processing of the amount corresponding to the balance information using the customer account number recognized by the customer identification information. 24. The method of claim 23, Further comprising a customer information recognition unit for recognizing a customer account number corresponding to the customer identification information with reference to the previously stored customer information, And the customer account number is transmitted to the balance processing system through the communication unit, and the balance processing system transfers the amount corresponding to the balance information using the customer account number. 24. The method of claim 23, And the balance processing system subtracts the amount corresponding to the balance information from the unpaid amount recognized by the customer identification information. 24. The method of claim 23, At least one of the receipt issuing system and the balance processing system is included as a component of the distribution service system.

Images