KR20120111095A - System and method for providing partial payment using near field communication - Google Patents

Abstract

PURPOSE: A partial payment providing system with NFC(Near Field Communication) and a method thereof are provided to supply a new type of a mobile payment environment by supporting partial payment for plural payers in a mobile payment mode. CONSTITUTION: A recognizing unit(210) supports NFC with a potable terminal performing mobile payment. If partial payment is requested by a payer group including plural payers, the recognizing unit recognizes payment information related to a payment unit embedded in the portable terminal. A payment processing unit(220) processes the partial payment by using the payment information. [Reference numerals] (210) Recognizing unit; (220) Payment processing unit

Description

System for providing partial payment using near field communication and its method {SYSTEM AND METHOD FOR PROVIDING PARTIAL PAYMENT USING NEAR FIELD COMMUNICATION}

Embodiments of the present invention relate to a system for providing a partial payment and a method in which a plurality of payers divide and pay a payment amount in a mobile payment method using a mobile terminal.

Recently, there is interest in mobile credit cards that can be equipped with a small integrated circuit (IC) chip with a built-in credit card function in a portable terminal or a credit card function such as a universal subscriber identity module (USIM) chip in a portable terminal. It is rising.

Accordingly, it is expected that the mobile payment environment, which can be easily paid online / offline using a mobile terminal instead of a physical card, will rapidly spread as the mobile terminal replaces a credit card.

Provided are a partial payment providing system and a method for providing a mobile payment environment through short-range wireless communication with a mobile terminal having a credit card function.

In the mobile payment method using a short-range wireless communication with the portable terminal, there is provided a system for providing a partial payment and a method in which a plurality of payers divide and pay a payment amount.

At least one payment means is built in to support short-range wireless communication with a mobile terminal capable of mobile payment; When a partial payment is requested from a payer group consisting of a plurality of payers for the payment amount set by the seller, a payment method built in the mobile terminal through short-range wireless communication with the payer owned by the payer for each payer belonging to the payer group. Recognizing unit for recognizing payment information associated with; And a payment processing unit that divides the payment amount for the payer group, sets a separate amount for each payer, and then processes a payment for the divided amount using payment information for each payer. do.

According to one side, the payment processing unit may set the divided amount to the individual amount set by the payer for each payer.

According to another aspect, the payment processing unit may set the divided amount according to the payment rate set by the payer for each payer.

According to another aspect, the payment processing unit may process the payment for the divided amount if the sum plus the divided amount for each payer is equal to the payment amount.

According to another aspect, the payment rate may be determined for each payer in the order that the short-range wireless communication with the portable terminal is made.

According to another aspect, the payment processing unit transmits the payment details including the payment amount and the divided amount for each payer to the mobile terminal, and when the payment request for the payment details is received from the mobile terminal, the payment processing unit may process the payment for the divided amount. have.

According to another aspect, the payment processing unit may request payment approval for the divided amount by matching the payment information with the divided amount to the card company server corresponding to the payment means for each of the payers.

According to another aspect, the payment processing unit may manage the payment details for each payer for the divided amount based on the payment amount.

In the partial payment providing system, at least one payment method is embedded to support short-range wireless communication with a mobile terminal capable of mobile payment, and the partial payment providing method in the partial payment providing system includes a plurality of payments for a payment amount set by a seller. Recognizing payment information related to a payment means embedded in the mobile terminal through short-range wireless communication with the mobile terminal possessed by the payer for each payer belonging to the payer group when the partial payment is requested from the payer group consisting of the payers; And setting a divided amount for each payer by dividing the payment amount for the payer group, and then processing a payment for the divided amount by using payment information for each payer.

In a mobile payment method using short-range wireless communication with a mobile terminal, a new type of mobile payment environment may be provided by supporting a plurality of payers to make a payment.

In the case of using a partial payment method for a plurality of payers when calculating a product or service commonly used by two or more groups, payments can be made more easily and conveniently for each part taken.

1 is a diagram for explaining a process of a portable terminal having a credit card function and a divided payment providing system according to an embodiment of the present invention.
2 is a block diagram illustrating an internal configuration of a system for providing a partial payment in which a plurality of payers divide and pay a payment amount in a mobile payment method using short-range wireless communication with a portable terminal according to an embodiment of the present invention. It is also.
3 is a diagram for describing a method of dividing a payment amount for each payer according to an embodiment of the present invention.
4 is a diagram for describing a method of separating and proceeding payment approval requests for a plurality of payers according to an embodiment of the present invention.
FIG. 5 is a flowchart illustrating a method of providing a partial payment in which a payment amount is divided for a plurality of payers in a mobile payment method using short-range wireless communication with a portable terminal according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram for explaining a process of a portable terminal having a credit card function and a divided payment providing system according to an embodiment of the present invention. 1 is a partial payment providing system 110 for providing a partial payment service that can divide and process an approval request for a payment amount for a group of payers composed of a plurality of payers (hereinafter, abbreviated as 'payment system'). )

The payment system 110 according to an embodiment may provide a partial payment service for a group of payers under a near field communication (NFC) environment with the mobile terminal 120. Here, the portable terminal 120 is a terminal possessed by each payer, and means a terminal having a communication module for short-range wireless communication with the payment system 110 and a credit card function capable of mobile payment. . The card company may issue and provide a mobile credit card for the mobile terminal 120 according to a request of a payer who is a user having a mobile terminal 120. Accordingly, the payer may use a mobile credit card issued from the card company. Can be installed at 120. In this case, the card company may maintain and manage the card information of the issued mobile credit card in association with the identification information of the user who applied for the mobile credit card and the identification information of the mobile terminal 120 in which the mobile credit card is installed. In the present embodiment, a service dedicated application for the divided payment service is supported for the mobile terminal 120, or an environment for the divided payment service is supported together with the mobile payment application associated with the mobile credit card installed in the portable terminal 120. Should be. That is, the portable terminal 120 should be installed with an application (hereinafter, referred to as a "divided payment program") that can use the divided payment service. Here, the partial payment program may support a function of setting the amount of money by the payer for the partial payment, a function of receiving and displaying information related to the partial payment service (for example, payment amount information, approval details, etc.). In addition, the payment system 110 may mean a seller terminal installed on the seller side and separating the approval request so that the payment amount set by the seller is divided for each payer in the payer group. The payment system 110 includes a communication module for short-range wireless communication with the mobile terminal 120 and interworks with a payment relay server 130 associated with a relay operator such as a payment gateway (PG) company and a value add network (VAN) company. It can support payment and settlement functions. The payment system 110 is a merchant-only application for providing a partial payment service, and a PC-based management program or a smart phone management application should be installed. The payment system 110 may be extended to a split payment relay terminal capable of collecting and processing split payment information in addition to a main payment system interworking with each payment provider.

As shown in FIG. 1, when the seller sets a payment amount and requests a partial payment from the payer group, the payment system 110 performs the portable terminal 120 of each payer in the payer group through short-range wireless communication. Communication with the mobile terminal 120 may recognize the credit card embedded in the mobile terminal 120. In addition, the payment system 110 divides the payment amount for the payer group, and matches the amount divided by the payer to the credit card recognized by the mobile terminal 120 of the payer. By requesting the approval to the card company server 150 through the processing can be divided billing for the payment amount. In this case, when all mobile terminals 120 belonging to the payer group have the same credit card company's credit card, the payment system 110 requests a payment approval for each payer at a time from the corresponding card company server 150, and the payer is different for each payer. If the credit card company's credit card is embedded, the payment authorization request may be separately processed to each card company. In addition, the payment system 110 may collectively manage the payment details divided and approved for each payer (that is, the mobile credit card) based on the payment amount for the payer group. For example, the payment relay server 130 may build a payment history database 140 that maintains approval information for each payer approved in a partial payment method in association with each seller for sales management of the seller. Thus, the payment system 110 may access the payment relay server 130 and check the payment details for each payer stored in the payment history database 140 to manage payment details that have been partially approved. In the present embodiment, in the case of partial payment, individual cancellation is impossible and the service can be collectively canceled only through the separate consent of all the payers in the payer group. In addition, the cost of the difference in the contract fee between the seller and each card company at the time of partial payment may be serviced in a manner accepted by the seller.

FIG. 2 is a block diagram illustrating an internal configuration of a payment system for supporting a plurality of payments by dividing a payment amount in a mobile payment method using short-range wireless communication with a mobile terminal according to one embodiment of the present invention. . As shown in FIG. 2, the payment system 200 according to an embodiment includes a recognition unit 210 and a payment processing unit 220.

The payer group may request a partial payment for the payment amount set by the seller, and each requester who belongs to the payer group has a predetermined distance from the payment system 200 in which the mobile terminal possessed by the seller is a seller terminal. Approach the mobile terminal to the payment system 200 to maintain.

The recognition unit 210 may recognize a credit card, which is a payment method embedded in the portable terminal, through short-range wireless communication with the portable terminal for each payer according to a request for split payment by the payer group. In this case, the recognition unit 210 may be configured to include a communication module capable of short-range wireless communication with the portable terminal. Through such a configuration, the recognition unit 210 may recognize payment information (eg, credit card number, expiration date, card identification code, etc.) related to a credit card in the mobile terminal when the mobile terminal approaches the payment system 220. Can be.

The payment processing unit 220 divides the payment amount for the payer group, sets the payment amount for each payer, and then uses the payment information recognized by the mobile terminal to process the payment for the payment amount. Can be. For example, the payment processing unit 220 may set the divided amount to the individual amount set by the payer for each payer. In the payer group, each payer decides an individual amount to pay and orally presents the seller an individual amount for each payer, and the seller directly enters the payment system 200, or the payer executes a partial payment program installed in the mobile terminal. After inputting the individual amount to be paid through the split payment program, the payment system 200 may receive the individual amount for each payer input to the split payment program through short-range wireless communication with the mobile terminal. For example, as shown in FIG. 3, when a payment group consisting of a payer 1, a payer 2, and a payer 3 wants to make a partial payment of 10,000 won for any goods or services provided by a seller. Child 1 is 5,000 won, payer 2 is 3,000 won, and payer 3 is 2,000 won. As another example, the payment processing unit 220 may set a divided amount for each payer according to a payment ratio (that is, a weight) set by the payer group. In the payment system 200 which is a seller terminal, the division rate is set according to the connection order in which short-range wireless communication with the portable terminal is made at the request of each payer in the payer group. In accordance with the payment amount may be set for each payer. For example, as shown in FIG. 3, when a payer group consisting of a payer 1, a payer 2, and a payer 3 intends to pay the seller by 10 million won in payment, the payment ratio according to the access order is determined. If you set 20%, 30%, 50%, the first payer who touched the mobile terminal is 2,000 won, the second payer 2 is 3,000 won, and the last payer 3 is 5,000. The divided amount can be set. In this case, the payment processing unit 220 may proceed with the partial payment if the total sum plus the divided amount in the amount division method is the same as the payment amount to be paid by the payer group. On the other hand, the payment processing unit 220 may proceed with the divided payment if the number of mobile terminals that have been in contact with the number of times of division by the payment ratio in the ratio division method. In addition, the payment processing unit 220 transmits the payment details including the divided amount, which is the amount to be paid by the payer, and the total amount to be paid by the payer group, to the mobile terminal so that the payer can check the amount to be paid by the payer. Can be. Accordingly, the mobile terminal may display the payment details received from the payment processing unit 220 through the split payment program so that the payer can check the payment details. In addition, when a payment request for payment details is received from the mobile terminal, the payment processor 220 recognizes the payment information of the credit card recognized by the recognition unit 210 for each of the payers by matching the divided amount set in the corresponding payer. By transmitting to the card company server corresponding to the credit card recognized in the unit 210, the payment request may be divided and proceeded so that the payment amount to be paid by the payer group can be divided by the payer. For example, when the credit card of the card company A, which is the same card company, is embedded in the mobile terminal of the payer 1, the payer 2, or the payer 3 belonging to the payer group, payment is made to the card company server of the card company A as shown in FIG. The approval for payment of the divided amount for each person can be requested at a time, and thus, the card company A can provide the individual details of the approval after the individual's approval processing. On the other hand, when the payer 1 embeds the credit card of the card company A, the payer 2 the credit card of the card company B, and the payer 3 embeds the credit card of the card company C into the mobile terminal, the payment amount of the corresponding payer to the respective card company server. The card company A may perform the approval process for the payer 1, the card company B may perform the approval process for the payer 2, and the card company C may perform the approval process for the payer 3. In addition, the payment processing unit 220 may integrate and manage the approval details for each payer approved by the divisional payment method for settlement and sales management. In other words, the payment processing unit 220 may bundle and manage the payment details that have been separately approved for each payer based on the payment amount in which the partial payment is made for the payer group.

FIG. 5 is a flowchart illustrating a method of providing a partial payment in which a payment amount is divided for a plurality of payers in a mobile payment method using short-range wireless communication with a portable terminal according to an embodiment of the present invention. In the divided payment providing method according to the present exemplary embodiment, respective steps may be performed by interworking between the payment system 200 and the card company server described with reference to FIG. 2.

In operation 510, the payment system 200 may recognize payment information related to a payment means embedded in the portable terminal through short-range wireless communication with the portable terminal for each payer in the payer group requesting the partial payment.

In operation 520, the payment system 200 sets a payment amount for each payer by dividing the payment amount for the payer group, and then uses the payment information recognized by the mobile terminal for each payer. Payment can be processed. At this time, the payment system 200 is any one of the amount of division method of dividing the payment amount based on the individual amount set by the payer, and the rate division method of dividing the payment amount according to the payment rate set by the payer. By setting the divided amount for each payer. The payment system 200 may proceed with a partial payment when the sum of the divided amount is equal to the payment amount to be paid by the payer group in the case of the amount division method. If the number of terminals is the same, the partial payment can proceed.

In operation 530, the payment system 200 may match the payment information of the credit card recognized by the mobile terminal to the card company server by matching the divided amount set in the corresponding payer. That is, the payment system 200 may separate and process the approval request so that the payment amount to be paid by the payer group is divided by the payment amount set by each payer.

As described above, according to embodiments of the present invention, in a mobile payment method using short-range wireless communication with a mobile terminal, a mobile payment environment capable of a partial payment in which a plurality of payers divide and pay a payment can be provided. . Therefore, when using a partial payment method for a plurality of payers when calculating a product or service commonly used by two or more groups, payments can be divided easily and conveniently for each part taken. .

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above embodiments, and those skilled in the art to which the present invention pertains various modifications and variations from such descriptions. This is possible.

Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the equivalents of the claims, as well as the claims.

200: payment system
210: recognition unit
220: payment processing unit

Claims (16)

At least one payment method is built in to support short-range wireless communication with a mobile terminal capable of mobile payment,
When a partial payment is requested from a payer group consisting of a plurality of payers for a payment amount set by a seller, the payer belonging to the payer group is embedded in the mobile terminal through short-range wireless communication with the mobile terminal possessed by the payer. Recognizing unit for recognizing payment information associated with the payment method; And
A payment processing unit that divides the payment amount for the payer group, sets a payment amount for each payer, and then processes payment for the divided amount by using the payment information for each payer.
Split payment providing system comprising a. The method of claim 1,
The payment processing unit,
Setting the divided amount by an individual amount set by the payer for each payer
Split payment providing system, characterized in that. The method of claim 1,
The payment processing unit,
Setting the divided amount according to the payment rate set by the payer for each payer;
Split payment providing system, characterized in that. The method according to claim 2 or 3,
The payment processing unit,
Processing the settlement for the divided amount if the sum of the divided amount is equal to the settlement amount;
Split payment providing system, characterized in that. The method of claim 3,
The payment rate is
Determining the payment rate of each of the payers in the order of short-range wireless communication with the portable terminal;
Split payment providing system, characterized in that. The method of claim 1,
The payment processing unit,
Transmitting payment details including the payment amount and the divided amount to each of the payers to the portable terminal, and when the payment request for the payment details is received from the portable terminal, processing the payment for the divided amount;
Split payment providing system, characterized in that. The method of claim 1,
The payment processing unit,
Requesting payment approval for the divided amount by transmitting the payment information to the card company server corresponding to the payment means for each of the payers;
Split payment providing system, characterized in that. The method of claim 1,
The payment processing unit,
Integrated management of payment details for each payer for the divided amount based on the payment amount
Split payment providing system, characterized in that. In the divided payment providing method in the divided payment providing system,
The divided payment providing system supports at least one wireless communication with a mobile terminal capable of mobile payments with at least one payment means therein,
The split payment providing method,
When a partial payment is requested from a payer group consisting of a plurality of payers for a payment amount set by a seller, the payer belonging to the payer group is embedded in the mobile terminal through short-range wireless communication with the mobile terminal possessed by the payer. Recognizing payment information associated with the payment method; And
A payment processing step of dividing the payment amount for the payer group and setting a divided amount for each payer and then processing payment for the divided amount using the payment information for each of the payers;
Split payment providing method comprising a. 10. The method of claim 9,
The payment processing step,
Setting the divided amount by an individual amount set by the payer for each payer
Split payment providing method characterized in that. 10. The method of claim 9,
The payment processing step,
Setting the divided amount according to the payment rate set by the payer for each payer;
Split payment providing method characterized in that. The method according to claim 10 or 11,
The payment processing step,
Processing the settlement for the divided amount if the sum of the divided amount is equal to the settlement amount;
Split payment providing method characterized in that. The method of claim 11,
The payment rate is
Determining the payment rate of each of the payers in the order of short-range wireless communication with the portable terminal;
Split payment providing method characterized in that. 10. The method of claim 9,
The payment processing step,
Transmitting payment details including the payment amount and the divided amount to each of the payers to the portable terminal, and when the payment request for the payment details is received from the portable terminal, processing the payment for the divided amount;
Split payment providing method characterized in that. 10. The method of claim 9,
The payment processing step,
Requesting payment approval for the divided amount by transmitting the payment information to the card company server corresponding to the payment means for each of the payers;
Split payment providing method characterized in that. 10. The method of claim 9,
The payment processing step,
Integrated management of payment details for each payer for the divided amount based on the payment amount
Split payment providing method characterized in that.

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