KR20110064119A - Payment processing service system and payment processing service method - Google Patents
Payment processing service system and payment processing service method Download PDFInfo
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- KR20110064119A KR20110064119A KR1020090120577A KR20090120577A KR20110064119A KR 20110064119 A KR20110064119 A KR 20110064119A KR 1020090120577 A KR1020090120577 A KR 1020090120577A KR 20090120577 A KR20090120577 A KR 20090120577A KR 20110064119 A KR20110064119 A KR 20110064119A
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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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/387—Payment using discounts or coupons
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4012—Verifying personal identification numbers [PIN]
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
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Abstract
In accordance with the present invention, a subscriber identifies a representative by identifying and managing a payment identification number according to various payment methods in response to a representative identification number of a subscriber, and processing a payment using a predetermined payment identification number corresponding to a payment based on the representative identification number. Disclosed is a payment processing service system and a payment processing service method for increasing the management / operation of a payment method and a user's convenience since the payment is made through various payment means using one payment means equipped with a number. In the payment processing service system of the present invention, when a payment is requested based on predetermined representative identification information, a payment terminal device requests a payment approval according to the payment request, and a payment request device responds to the payment approval request from the payment terminal device. When requesting payment approval processing based on the corresponding representative identification information, the payment service device for storing / managing the mapping information including the pre-allocated representative identification information for each subscriber and at least one payment identification information corresponding to the representative identification information Recognizes at least one payment identification information corresponding to the representative identification information according to the payment approval processing request from the payment request device, and interoperates with the corresponding financial server corresponding to the recognized payment identification information to process the payment approval It includes a configuration to perform the payment processing on request.
Description
The present invention relates to a payment processing service system, and more particularly, corresponding to the representative identification number of the subscriber corresponding to / manage the payment identification number according to the various payment means and the predetermined payment identification number corresponding to the payment based on the representative identification number Payment processing service system to increase the management / operation of the payment method and the convenience of the user because the subscriber has the effect of paying through various payment means by using a single payment means equipped with a representative identification number And a payment processing service method, a payment service device, and a payment processing service providing method of the payment service device.
Electronic money is a virtual currency that has a certain currency value that is paid by the issuer and is provided by the issuer. It has relatively low risk of counterfeiting or tampering, and is safe even in case of theft or loss. It is convenient for making small payments. . Accordingly, the spread of electronic money cards with electronic money functions and portable terminals equipped with USIMs with electronic money functions is increasing.
Of course, the utilization rate of credit cards, which solves the inconvenience and risks associated with carrying cash, is still expected to be very high and even higher.
As such, there are various payment methods such as credit cards, electronic money cards, mobile terminals, phone bills, etc., which are not cash currency, and efforts have been made to improve user convenience by implementing these payment methods through mobile.
However, due to the development of various payment services and the issue of payment method issuers, the types of payment methods possessed by individual users are increasing day by day. Therefore, from this point of view, users do not know when to use a variety of payment methods, so they always have to carry them and feel the complexity and risk of losing their own payment methods. There is a problem in that the burden of the management cost and the cost of issuance due to the loss of the means.
The present invention has been made in view of the above circumstances, and an object of the present invention is to achieve a payment request based on predetermined representative identification information, and a payment terminal device requests payment approval according to the payment request, and a payment request device When requesting payment approval processing based on the corresponding representative identification information according to the payment approval request from the payment terminal device, the subscriber identification information pre-assigned for each subscriber and at least one payment identification information corresponding to the representative identification information The payment service device that stores / manages the mapping information including the mapping information recognizes at least one payment identification information corresponding to the representative identification information according to the payment approval processing request from the payment request device, and stores the mapping information in the recognized payment identification information. In connection with the corresponding financial server to perform the payment processing according to the payment approval processing request Providing a processing service system and a payment processing service method, corresponding / managing payment identification numbers according to various payment methods in response to the representative identification number of the subscriber, and using the predetermined payment identification number corresponding to the payment based on the representative identification number By processing the payment, the subscriber has the effect of paying through various payment means using a single payment means equipped with a representative identification number.
The present invention was created in view of the above circumstances, and another object to be achieved in the present invention is mapping information including pre-allocated representative identification information for each subscriber and at least one payment identification information corresponding to the representative identification information. Store / manage and receive a predetermined payment approval processing request from an external payment requesting device, at least one payment identification information corresponding to the corresponding representative identification information according to the payment approval processing request based on the mapping information for each subscriber. Recognizing and providing a payment processing service providing method of the payment service device and the payment service device to perform the payment processing according to the payment approval processing request in conjunction with the corresponding financial server corresponding to the recognized payment identification information, the subscriber represents The effect of paying through various payment methods using one payment method equipped with an identification number It has to have.
The payment processing service system according to the first aspect of the present invention for achieving the above object comprises a payment terminal device for requesting payment approval according to the payment request when a payment is requested based on predetermined representative identification information; A payment request device for requesting payment approval processing based on the representative identification information according to the payment approval request when the payment approval request is received from the payment terminal device; And mapping information including pre-allocated representative identification information for each subscriber and at least one payment identification information corresponding to the representative identification information, and corresponding representative according to the payment approval processing request from the payment request device. And a payment service device that recognizes at least one payment identification information corresponding to the identification information and performs payment processing according to the payment approval processing request in association with a corresponding financial server corresponding to the recognized payment identification information.
The payment service apparatus according to the second aspect of the present invention for achieving the above object stores / manages the mapping information including pre-allocated representative identification information for each subscriber and at least one payment identification information corresponding to the representative identification information Mapping information management unit; When a predetermined payment approval processing request is received from an external payment requesting device, the payment means determination unit recognizes at least one payment identification information corresponding to the representative identification information according to the payment approval processing request based on the mapping information for each subscriber. ; And a payment processing execution unit that performs payment processing according to the payment approval processing request in association with a corresponding financial server corresponding to the payment identification information recognized by the payment means determining unit.
Preferably, the mapping information management unit may store / manage at least one payment identification information registered by the corresponding subscriber in correspondence with the representative identification information corresponding to the subscriber.
Preferably, the payment identification information, credit card identification number indicating a predetermined payment means, electronic money card identification number, virtual account identification number, mobile terminal identification number, USIM identification number, membership card identification number It may include at least one.
Preferably, the payment means determination unit, upon receiving the payment approval processing request, recognizes and recognizes at least one payment identification information corresponding to the corresponding representative identification information according to the payment approval processing request based on the mapping information for each subscriber; If only one payment identification information is provided, the payment identification information may be provided to the payment processing unit.
Preferably, the payment means determination unit, upon receiving the payment approval processing request, recognizes and recognizes at least one payment identification information corresponding to the corresponding representative identification information according to the payment approval processing request based on the mapping information for each subscriber; If there is a plurality of payment identification information, the payment request device may provide the payment means selection information requesting to select any one of the payment means corresponding to the plurality of payment identification information.
Preferably, in response to each payment method, storing / managing payment application information for applying at least one of the payment amount discount for each membership service, membership point earning and payment amount deduction using previously accumulated membership points It further comprises a payment application information management unit; The payment means determining unit, if a plurality of payment identification information as a result of recognizing at least one payment identification information corresponding to the representative identification information according to the payment approval processing request, payment means corresponding to the plurality of payment identification information Deriving the membership service application information to which the corresponding membership service is applied based on the payment application information for each, and providing the payment means selection information including the membership service application information of each of the derived payment means to the payment requesting device. Can be.
Preferably, in response to each payment method, storing / managing payment application information for applying at least one of payment amount discount for each membership service, membership point earning and payment amount deduction using previously accumulated membership points It further comprises a payment application information management unit; The payment means determining unit, if a plurality of payment identification information as a result of recognizing at least one payment identification information corresponding to the representative identification information according to the payment approval processing request, payment means corresponding to the plurality of payment identification information Deriving membership service application information applying the corresponding membership service to each of the payment means based on the payment application information, at least one payment method and payment based on the membership service application information and the predetermined payment application policy of each of the derived payment means By determining a method, payment identification information and the payment method according to the determined at least one payment method may be provided to the payment processing unit.
Preferably, the payment processing unit performs the payment approval processing in conjunction with a plurality of financial servers corresponding to the plurality of payment identification information according to the plurality of payment identification information and payment method provided by the payment means determination unit. Payment processing can be performed on request.
The payment processing service method according to the third aspect of the present invention for achieving the above object comprises the steps of requesting payment approval by the payment terminal device when the payment is requested based on the predetermined representative identification information; Requesting, by the payment requesting device, payment approval processing based on the corresponding representative identification information according to the payment approval request from the payment terminal device; According to the payment approval processing request from the payment request device, a payment service device that stores / manages mapping information including pre-allocated representative identification information for each subscriber and at least one payment identification information corresponding to the representative identification information Recognizing at least one payment identification information corresponding to the representative identification information; And performing, by the payment service apparatus, a payment processing according to the payment approval processing request in association with a corresponding financial server corresponding to the recognized payment identification information.
A payment processing service providing method of a payment service apparatus according to a fourth aspect of the present invention for achieving the above object includes a representative identification information previously assigned to each subscriber and at least one payment identification information corresponding to the representative identification information. A mapping information management step of storing / managing mapping information; When a predetermined payment approval processing request is received from an external payment requesting device, a payment method determining step of recognizing at least one payment identification information corresponding to the representative identification information according to the payment approval processing request based on the mapping information for each subscriber. ; And a payment processing step of performing a payment processing according to the payment approval processing request in association with a corresponding financial server corresponding to the payment identification information recognized by the payment means determining step.
Preferably, in the mapping information management step, at least one payment identification information registered by the corresponding subscriber may be stored / managed in correspondence with the representative identification information corresponding to the subscriber.
Preferably, the payment identification information, credit card identification number indicating a predetermined payment means, electronic money card identification number, virtual account identification number, mobile terminal identification number, USIM identification number, membership card identification number It may include at least one.
Preferably, in the determining of the payment means, when the payment approval processing request is received, recognizing at least one payment identification information corresponding to the corresponding representative identification information according to the payment approval processing request based on the mapping information for each subscriber. And if the recognized payment identification information is a single piece, performing the payment processing step using the corresponding payment identification information.
Preferably, in the determining of the payment means, when the payment approval processing request is received, recognizing at least one payment identification information corresponding to the corresponding representative identification information according to the payment approval processing request based on the mapping information for each subscriber. And providing the payment request apparatus with payment means selection information requesting to select any one of payment means corresponding to the plurality of payment identification information when the payment identification information is plural.
Preferably, in response to each payment method, storing / managing payment application information for applying at least one of the payment amount discount for each membership service, membership point earning and payment amount deduction using previously accumulated membership points Further comprising a payment application information management step; In the determining of the payment means, if the payment identification information is plural as a result of recognizing at least one payment identification information corresponding to the representative identification information according to the payment approval processing request, the payment corresponding to the plurality of payment identification information Deriving membership service application information to which the corresponding membership service is applied to each of the means, and the payment means selection information including membership service application information of each of the derived payment means. It may include providing a.
Preferably, in response to each payment method, storing / managing payment application information for applying at least one of the payment amount discount for each membership service, membership point earning and payment amount deduction using previously accumulated membership points Further comprising a payment application information management step; In the determining of the payment means, if the payment identification information is plural as a result of recognizing at least one payment identification information corresponding to the representative identification information according to the payment approval processing request, the payment corresponding to the plurality of payment identification information Deriving membership service application information to which the corresponding membership service is applied to each of the means based on the payment application information; and at least one payment based on the membership service application information and the predefined payment application policy of each of the derived payment means. And determining a means and a payment method, and performing the payment processing step using the payment identification information and the payment method according to the determined at least one payment method.
Preferably, the payment processing step, in accordance with the plurality of payment identification information and the payment method provided by the payment means determining step, the payment approval in conjunction with a plurality of financial servers corresponding to the plurality of payment identification information Payment processing according to the processing request can be performed.
Accordingly, according to the payment processing service system and the payment processing service method of the present invention, corresponding to the representative identification number of the subscriber corresponding to / managing the payment identification number according to various payment means, the predetermined correspondence at the time of payment based on the representative identification number By using the payment identification number of the payment method according to the payment method according to the payment method, the subscriber induces the effect of payment through a variety of payment means using a single payment method equipped with a representative identification number, management of payment means Can increase the operation and convenience of the user.
Hereinafter, with reference to the accompanying drawings will be described a preferred embodiment of the present invention.
1 shows a payment processing service system according to a first embodiment of the present invention.
As shown in FIG. 1, the payment processing service system according to the present invention includes a
The payment
Herein, the payment means 10 is a means for mounting predetermined representative identification information assigned by the
That is, each user may have his representative identification information embedded in any one of various types of payment means (1, 2, ...) owned by him (eg, USIM of mobile terminal 1). Here, the representative identification information is information input directly by the user, or is automatically assigned to the user, or the payment means (for example, USIM of the mobile terminal 1) selected to embed the representative identification information. It may be unique ID information, preferably having a numbering system.
Accordingly, when a user who wants to make a payment attempts to make a payment by contacting or contacting the
When the
In addition, the
The
The
Hereinafter, a detailed configuration of the
The
The mapping information management unit 210 stores / manages mapping information for each subscriber. That is, the mapping information management unit 210 stores / manages mapping information including pre-allocated representative identification information for each subscriber and at least one payment identification information corresponding to the representative identification information.
More specifically, the mapping information management unit 210 may store / manage at least one payment identification information registered by the corresponding subscriber for each representative identification information for each subscriber in correspondence with the representative identification information of the corresponding subscriber. Can be.
The payment identification information may include at least one of a credit card identification number indicating a predetermined payment method, an electronic money card identification number, a virtual account identification number, a mobile terminal identification number, a USIM identification number, and a membership card identification number. It includes. That is, each subscriber accesses the
When the payment approval processing request is received from the external
Accordingly, the payment method determination unit 230, if there is a single payment identification information corresponding to the representative identification information according to the payment approval processing request, the payment processing information performing unit recognizes the corresponding payment identification information (for example, credit card identification number) Provided at 240. In this case, the subscriber who has been assigned the representative identification information according to the request for payment approval processing may have only one payment method (for example, the credit card 2) corresponding to the representative identification information.
The payment processing unit 240 performs interworking with various
The payment processing unit 240 is linked with the corresponding financial server (eg, the financial server B 40) corresponding to the payment identification information recognized by the payment method determination unit 230 according to the payment approval processing request Perform payment processing. The payment identification information may include at least one of a credit card identification number, an electronic money card identification number, a virtual account identification number, a mobile terminal identification number, a USIM identification number, and a membership card number.
For reference, an operation in which the payment processing unit 240 performs a payment processing according to a payment approval request in connection with a corresponding financial server based on the payment identification information corresponds to a general payment processing performing operation, and thus a detailed description thereof will be omitted. .
Meanwhile, when recognizing at least one payment identification information corresponding to the representative identification information according to the request for payment approval processing, if the payment identification information corresponding to the representative identification information is plural, the payment means determination unit 230 may recognize the plurality of payment identification information. The
Accordingly, the
Accordingly, the payment method determination unit 230 selects by the user through the payment identification information corresponding to the payment method information returned, that is, the
Accordingly, the payment processing unit 240 is linked with the corresponding financial server (eg, the financial server A 30) corresponding to the payment identification information provided by the payment method determination unit 230 according to the payment approval processing request. Perform payment processing.
On the other hand, the
That is, the payment application information management unit 220, in response to each payment method, payment for applying at least one of the payment amount discount for each membership service, membership point earning and payment amount deduction using previously accumulated membership points. Save application information.
In addition, the payment application information may include affiliate information indicating which membership service each
Accordingly, the payment method determination unit 230, when the payment identification information is a plurality of results as a result of recognizing at least one payment identification information corresponding to the representative identification information according to the payment approval processing request, corresponding to the plurality of recognized payment identification information Based on the payment application information for each payment means to derive the membership service application information to which the corresponding membership service is applied, and the payment means selection information including the membership service application information of each of the derived payment means payment request device (100) ) Can be provided.
That is, the payment method determination unit 230, based on the payment application information, checks the membership service state that the
Accordingly, the payment method determination unit 230 provides the
Thus, the
Accordingly, the payment method determination unit 230 selects by the user through the payment identification information corresponding to the payment method information returned, that is, the
Accordingly, the payment processing unit 240 is linked with the corresponding financial server (eg, the financial server A 30) corresponding to the payment identification information provided by the payment method determination unit 230 according to the payment approval processing request. Perform payment processing.
At this time, the payment processing unit 240, in performing the payment processing using the payment identification information of the selected payment method, according to the existing membership service providing method according to the membership service application information corresponding to the payment method corresponding to the corresponding membership By providing the service, discount payments and membership points will be accumulated and payments will be deducted using the previously accumulated membership points.
Alternatively, the payment means determination unit 230, for each of the payment means corresponding to the plurality of payment identification information recognized as described above, based on the payment application information, the payment service applied to the membership service to the membership service; If applied, the service will be derived after deriving / generating membership service application information indicating how much of the payment amount is discounted and / or how much membership points are accumulated and / or how much is the deduction of payment amount using previously accumulated membership points. At least one payment method and payment method may be determined based on the membership service application information of each payment method and a predefined payment application policy.
That is, the payment method determination unit 230 stores a predefined payment application policy.
For example, the payment application policy may be defined to select a single payment method having the largest discount / deduction rate based on the payment amount discount / deduction rate for each payment method applying the membership service corresponding to each payment method. . Alternatively, the payment application policy selects a plurality of payment methods (e.g., two) and selects the original payment amount based on the payment amount discount / deduction rate for each payment method that applies the corresponding membership service for each payment method. Corresponding means may be defined to generate a payment method applied to the divided amount. Alternatively, the payment application policy selects a single payment method with the largest discount / deduction rate based on the payment amount discount / deduction rate for each payment method applying the corresponding membership service for each payment method, and according to the request for payment approval processing. Select a payment method to earn membership points, and may be defined to create a payment method for earning membership points in the selected payment method to earn membership points.
Accordingly, the payment method determination unit 230, based on the membership service application information and the predefined payment application policy derived / generated for each payment method corresponding to the recognized plurality of payment identification information, the discount / deduction rate is the most It is possible to automatically determine a large payment method to provide the corresponding payment identification information to the payment processing unit 240, or to apply a plurality of (e.g., two) payment methods and a divided amount corresponding to each payment method. Automatically determine the payment method to provide a plurality of payment identification information and payment methods to the payment processing unit 240, or the payment method with the largest discount / deduction rate and the payment means and membership to be earned Automatically determine the payment method for earning membership points in the payment method selected to earn points, and submits the corresponding plurality of payment identification information and payment methods to the payment processing unit 240. You can do it.
Thus, when a single payment identification information is provided by the payment method determination unit 230, the payment processing unit 240, the corresponding financial server corresponding to the payment identification information provided by the payment method determination unit 230 (for example, financial In conjunction with the server A (30) performs a payment process according to the payment approval processing request. That is, the payment processing unit 240 is interlocked with the corresponding financial server (eg, the financial server A 30) corresponding to the payment identification information corresponding to the payment method having the largest discount / deduction rate. Payment processing can be performed on request.
Of course, the payment processing unit 240, in performing payment processing by using the payment identification information of the selected payment method, according to the existing membership service providing method, the corresponding membership is different from the membership service application information corresponding to the payment method By providing the service, discount payments and membership points will be accumulated and payments will be deducted using the previously accumulated membership points.
In addition, when a plurality of payment identification information and payment methods are provided by the payment method determination unit 230, the payment processing unit 240 may provide a plurality of payment identification information and payment methods according to the provided payment identification information and payment method. The payment processing is performed according to the payment approval processing request by interworking with a plurality of financial servers (eg, the
That is, the payment processing unit 240, the corresponding financial server corresponding to a plurality of payment identification information corresponding to a plurality of payment means (for example, two) (for example, financial server A (30), financial server B ( 40)), by the payment processing of the divided amount 1 of the original payment amount through the linkage with the financial server A (30) and the payment of the divided amount 2 of the original payment amount through the linkage with the financial server B (40), The payment processing according to the payment approval processing request may be performed. Alternatively, the payment processing unit 240 performs payment processing in connection with a corresponding financial server (eg, the financial server A 30) corresponding to the payment identification information corresponding to the payment method having the largest discount / deduction rate. By accumulating membership points according to the current payment processing in conjunction with the corresponding financial server (eg, financial server B 40) corresponding to the payment method selected to earn membership points, the payment processing according to the payment approval processing request can be performed. Can be.
Of course, the payment processing unit 240, in performing the payment processing using the payment identification information of the payment means, according to the existing membership service providing method according to the membership service application information corresponding to the corresponding payment means different membership service By providing a discount, the amount of payment will be discounted and the membership points earned and the amount of payments using the already accumulated membership points will be performed.
Therefore, the
Therefore, the
Accordingly, a user who embeds the representative identification information assigned to the user into the USIM of the mobile terminal 1 possessed by him and attempts to make a payment using the mobile terminal 1, uses the mobile terminal 1 to make a payment. Attempts have been made to obtain a payment result using a credit card (2) according to a payment identification number (for example, a credit card identification number) corresponding to the representative payment information embedded in the USIM of the mobile terminal (1). Can be.
As described above, the payment processing service system according to the present invention corresponds to / manages payment identification numbers according to various payment methods in response to the representative identification number of the subscriber, and makes a predetermined payment corresponding to the payment based on the representative identification number. By using the identification number to process payment by the payment method according to the relevant payment method, the subscriber induces the effect of payment through various payment methods using one payment method equipped with a representative identification number, management / operation of the payment method And user convenience can be increased.
Hereinafter, a control flow of the payment processing service method according to the present invention configured as described above will be described with reference to FIGS. 3 and 4. Here, for the convenience of description, the configuration shown in FIGS. 1 and 2 described above will be described with reference to the corresponding reference numerals.
First, a payment processing service method according to a preferred embodiment of the present invention will be described with reference to FIG. 3.
According to the payment processing service method of the present invention, the
When a user who wants to make a payment attempts to make a payment by contacting or contacting the mobile terminal 1 with its payment means, that is, representative identification information, with the
The
The
On the other hand, if the payment identification information recognized as a result of the determination in step S40 the
In response to the payment approval processing request, the
Thus, when the payment means information selected based on the payment means selection information is returned from the
Accordingly, the
Hereinafter, a payment processing service providing method of the
The payment processing service providing method of the
More specifically, in the payment processing service providing method of the
The payment identification information may include at least one of a credit card identification number indicating a predetermined payment method, an electronic money card identification number, a virtual account identification number, a mobile terminal identification number, a USIM identification number, and a membership card number. Include. That is, each subscriber accesses the
In addition, the payment processing service providing method of the
In the payment processing service providing method of the
Accordingly, in the payment processing service providing method of the
As a result of the determination, if it is a single piece instead of a plurality, the payment processing service providing method of the
On the other hand, when the determination result of step S240, at least one payment identification information corresponding to the representative identification information according to the payment approval processing request, if there is a plurality of payment identification information corresponding to the representative identification information, the payment service according to the present invention The payment processing service providing method of the
When not in the automatic determination state, the payment processing service providing method of the
Accordingly, the
Accordingly, in the payment processing service providing method of the
In this case, when the payment processing service providing method of the
That is, the payment processing service providing method of the
Accordingly, in the payment processing service providing method of the
Thus, the
Accordingly, in the payment processing service providing method of the
On the other hand, when the determination result of step S260, the automatic determination state, the payment processing service providing method of the
That is, the payment processing service providing method of the
For example, the payment application policy may be defined to select a single payment method having the largest discount / deduction rate based on the payment amount discount / deduction rate for each payment method applying the membership service corresponding to each payment method. . Alternatively, the payment application policy selects a plurality of payment methods (e.g., two) and selects the original payment amount based on the payment amount discount / deduction rate for each payment method that applies the corresponding membership service for each payment method. Corresponding means may be defined to generate a payment method applied to the divided amount. Alternatively, the payment application policy selects a single payment method with the largest discount / deduction rate based on the payment amount discount / deduction rate for each payment method applying the corresponding membership service for each payment method, and according to the request for payment approval processing. Select a payment method to earn membership points, and may be defined to create a payment method for earning membership points in the selected payment method to earn membership points.
Therefore, in the payment processing service providing method of the
In addition, in the payment processing service providing method of the
Thus, in step S290, the payment processing service providing method of the
That is, in the payment processing service providing method of the
Therefore, in the payment processing service providing method of the
Therefore, in the payment processing service providing method of the
As described above, the payment processing service method according to the present invention corresponds to the representative identification number of the subscriber, corresponding to / managing the payment identification number according to various payment means, the predetermined predetermined corresponding to the payment based on the representative identification number By using the payment identification number to process payment by the payment method according to the corresponding payment method, the subscriber induces the effect of payment through various payment methods using one payment method equipped with the representative identification number, Operation and user convenience can be increased.
Although the present invention has been described in detail with reference to preferred embodiments, the present invention is not limited to the above-described embodiments, and the technical field to which the present invention belongs without departing from the gist of the present invention as claimed in the following claims. Anyone skilled in the art will have the technical idea of the present invention to the extent that various modifications or changes are possible.
Correspondence / management of payment identification numbers according to various payment methods in response to the representative identification number of the subscriber, and payment processing according to the corresponding payment method using a predetermined payment identification number when making a payment based on the representative identification number. By doing so, when the subscriber applies the payment processing service system and the payment processing service method of the present invention to induce the effect of paying through various payment means using one payment means equipped with the representative identification number, It can bring great progress in terms of operation, user convenience, and user satisfaction, and it is industrially available because the payment service device and service solution to be applied are not only sufficient for marketing or sales, but also realistically implemented. Invention.
1 is a block diagram of a payment processing service system according to a preferred embodiment of the present invention.
2 is a control block diagram of a payment service apparatus according to a preferred embodiment of the present invention.
3 is a flowchart illustrating a control flow of a payment processing service method according to a preferred embodiment of the present invention.
4 is a flowchart illustrating a payment processing service providing method of a payment service apparatus according to an exemplary embodiment of the present invention.
<Explanation of symbols for the main parts of the drawings>
10: payment method
20: payment terminal device
30, 40: financial server
100: payment request device
200: payment service device
Claims (18)
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020090120577A KR20110064119A (en) | 2009-12-07 | 2009-12-07 | Payment processing service system and payment processing service method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020090120577A KR20110064119A (en) | 2009-12-07 | 2009-12-07 | Payment processing service system and payment processing service method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| KR20110064119A true KR20110064119A (en) | 2011-06-15 |
Family
ID=44397609
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| KR1020090120577A KR20110064119A (en) | 2009-12-07 | 2009-12-07 | Payment processing service system and payment processing service method |
Country Status (1)
| Country | Link |
|---|---|
| KR (1) | KR20110064119A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2013173205A1 (en) * | 2012-05-14 | 2013-11-21 | Mastercard International Incorporated | Method and system for applying coupon rules to a financial transaction |
| KR20160021356A (en) * | 2014-08-14 | 2016-02-25 | 엔에이치엔엔터테인먼트 주식회사 | Method, system and recording medium for payment service |
| US11257068B2 (en) | 2014-08-14 | 2022-02-22 | Nhn Payco Corporation | Method, system and recording medium for payment service |
-
2009
- 2009-12-07 KR KR1020090120577A patent/KR20110064119A/en not_active Application Discontinuation
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2013173205A1 (en) * | 2012-05-14 | 2013-11-21 | Mastercard International Incorporated | Method and system for applying coupon rules to a financial transaction |
| KR20160021356A (en) * | 2014-08-14 | 2016-02-25 | 엔에이치엔엔터테인먼트 주식회사 | Method, system and recording medium for payment service |
| US11257068B2 (en) | 2014-08-14 | 2022-02-22 | Nhn Payco Corporation | Method, system and recording medium for payment service |
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