KR20130033615A - Recoding medium, information processing method and system - Google Patents

Recoding medium, information processing method and system Download PDF

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Publication number
KR20130033615A
KR20130033615A KR1020110097371A KR20110097371A KR20130033615A KR 20130033615 A KR20130033615 A KR 20130033615A KR 1020110097371 A KR1020110097371 A KR 1020110097371A KR 20110097371 A KR20110097371 A KR 20110097371A KR 20130033615 A KR20130033615 A KR 20130033615A
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South Korea
Prior art keywords
payment
payer
amount
divided
terminal
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KR1020110097371A
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Korean (ko)
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배병수
안성오
강경석
변건호
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인포뱅크 주식회사
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Priority to KR1020110097371A priority Critical patent/KR20130033615A/en
Publication of KR20130033615A publication Critical patent/KR20130033615A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • 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
    • G06Q20/405—Establishing or using transaction specific rules

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

Abstract

PURPOSE: An information processing method, a system, and a recording medium are provided to enable a plurality of payers to dividedly pay the amount of money in a mobile payment method using NFC(Near Field Communication) with a portable terminal. CONSTITUTION: A receiving unit(310) of a payment system(300) recognizes a payment unit of each payer through NFC with a representative terminal corresponding to a divided payment request of a payer group. A payment processing unit(320) transmits recognized payment information of each payer to a financial company server corresponding to a payment request from a portable terminal. [Reference numerals] (310) Receiving unit; (320) Payment processing unit;

Description

Information processing method and system and recording medium {Recoding Medium, Information Processing Method and System}

Embodiments of the present invention relate to an information processing system and a method for payment by dividing a payment amount by a plurality of payers in a mobile payment method using a mobile terminal.

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

Accordingly, the mobile terminal is expected to rapidly spread the mobile environment that can be easily paid online / offline using a mobile terminal rather than a physical card by replacing the credit card.

Provided are an information processing system and a method for providing a mobile payment environment through short-range wireless communication with a portable terminal having a built-in payment function.

Provided are an information processing system and a method for allowing a plurality of payers to divide and pay a payment amount in a mobile payment method using short-range wireless communication with a portable terminal.

At least one payment method is built in to support short-range wireless communication with a mobile terminal capable of mobile payment, and receives payment information for a plurality of payers with respect to a set payment amount and when a partial payment is requested, A payment amount is set for a payer group consisting of a receiver and a plurality of payers that recognize payment information of the plurality of payers, which are collected and held by a mobile terminal of a payer to perform a payment (hereinafter referred to as a 'representative terminal'). There is provided an information processing system including a payment processing unit which divides and sets a divided amount for each payer and processes payment for the divided amount using payment information for each payer.

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 processing unit transmits the payment details including the payment amount and the divided amount for each payer to the payer's mobile terminal, and then splits when the representative terminal receives a payment request for the payment details from the other payer's mobile terminal. You can process the payment for the amount.

According to another aspect, the payment processing unit may process a payment for the divided amount when a payment request including a payment amount and a total payment amount for each payer determined in the representative terminal is received.

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.

According to another aspect, when the payment means included in the payment information of each payer is different from each other, the payment processor may divide and process the payment information for each payment means.

According to another aspect, the representative terminal may collect payment information of each payer group through short range wireless communication, mobile phone wireless message, mobile communication network, and internet network.

At least one payment method is embedded in the information processing system to support short-range wireless communication with a mobile terminal capable of mobile payment, and the information processing method in the information processing system includes a plurality of payers for a payment amount set by a seller. Recognizing payment information related to a payment method embedded in the mobile terminal through short-range wireless communication with the representative terminal when the partial payment is requested from the representative terminal that collects and retains the information of the subgroup and the payment for the payer group After setting the divided amount for each payer by dividing the amount may include a payment processing step of processing the payment for the divided amount using the payment information for each of the payers.

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.

When calculating the goods or services commonly used by two or more organizations, it is easier and more convenient to divide payments for each part taken by using an information processing method for multiple payers.

1 is a view for explaining a process of a portable terminal having a payment function and an information processing system according to an embodiment of the present invention.
FIG. 2 illustrates an internal configuration of a representative terminal for supporting a plurality of payments by dividing a payment amount by using a communication with another mobile terminal and a short range wireless communication with the mobile terminal according to an embodiment of the present invention. It is a block diagram.
FIG. 3 is a block diagram illustrating an internal configuration of an information processing system for supporting a plurality of payers by dividing a payment amount in a mobile payment method using short-range wireless communication with a portable terminal according to one embodiment of the present invention. to be.
4 is a diagram for describing a method of dividing a payment amount for each payer according to an embodiment of the present invention.
5 is a view for explaining a method of separating and proceeding payment approval requests for a plurality of payers according to an embodiment of the present invention.
FIG. 6 is a flowchart illustrating a method of collecting information on a payment means and a payment amount for a partial payment between a representative terminal and a plurality of payers' mobile terminals. Referring to FIG.
FIG. 7 illustrates an information processing method for performing a partial payment process for a plurality of payers according to payment information embedded in a representative terminal in a mobile payment method using short-range wireless communication with a representative terminal according to an embodiment of the present invention. One flow chart.

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 view for explaining a process of a portable terminal having a payment function and an information processing system according to an embodiment of the present invention. 1 is an information processing system 110 for providing a partial payment service that can divide and process an authorization request for a payment amount for a payer group consisting of a plurality of payers (hereinafter, abbreviated as 'payment system'). It is shown.

The payment system 110 according to an embodiment may provide a partial payment service for a group of payers under a near field communication (Near Field Communication, NFC) environment with the representative terminal 120. Here, the representative terminal 120 is a terminal possessed by one or more of the payers belonging to the payer group, and includes a communication module for short-range wireless communication with the payment system 110 and has a built-in payment function capable of mobile payment. It means the terminal. In addition, the payer terminal 125 is a terminal possessed by the payers belonging to the payer group in addition to the representative terminal 120 holder. The payer terminal 125 may communicate with the representative terminal 120 and provide payment information for mobile payment to the representative terminal ( 120 means a terminal that can be transmitted. The card company may issue and provide a mobile credit card for the representative terminal 120 or the payer terminal 125 at the request of the payer who is a user having the representative terminal 120 or the payer terminal 125. In this regard, the payer may install the mobile credit card issued from the card company in the representative terminal 120 or the payer terminal 125. At this time, the card company maintains the card information of the issued mobile credit card in association with the identification information of the user applying for the mobile credit card and the identification information of the representative terminal 120 or the payer terminal 125 on which the mobile credit card is installed. Can manage In the present embodiment, a service dedicated application for the divided payment service is supported for the representative terminal 120 and the payer terminal 125, or with a mobile credit card installed in the representative terminal 120 or the payer terminal 125. An environment for a partial payment service may be supported together in a related mobile payment application. That is, the representative terminal 120 and the payer terminal 125 are 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 or 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 smartphone management application is 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, the representative terminal 120 may set a payment amount for a representative biller and receive payment information from the portable terminal 125 of each of the payers in the payer group. In addition, the payment system 110 may receive the partial payment request and recognize payment information of each of the payers in the payer group collected by the representative terminal 120 through the near field communication with the representative terminal 120. In addition, the payment system 110 divides the payment amount for the payer group, and matches the amount divided by the payer with the payment information recognized by the representative terminal 120 of the payer, and the payment relay server 130. By requesting approval to the financial company server 150 through the process can be divided billing for the payment amount. At this time, if the payment method of all the payers belonging to the payer group stored in the representative terminal 120 is a credit card company's credit card, the payment system 110 requests a payment approval for each payer at a time from the corresponding financial institution server 150. For example, if a credit card of a different credit card company is built for each payer, the payment authorization request may be separately performed to each credit card company. In addition, the payment system 110 may integrate and manage payment details divided and approved for each payer (that is, a 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 by the split 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.

2 is a diagram of a representative terminal for providing a partial payment for supporting a plurality of payments by dividing a payment amount by using a communication with another mobile terminal and a short range wireless communication with the mobile terminal according to an embodiment of the present invention. The internal configuration is shown. As shown in FIG. 2, the representative terminal 120 according to an embodiment of the present invention includes a recognition unit 210 and a payment information processing unit 220.

The payer group may transmit payment information for processing the partial payment with respect to the payment amount to the representative terminal 120. As the payment information transmission method, various methods such as short range wireless communication, wireless data communication, and a short message service (SMS) may be used.

The payment information processor 220 may process the payment for the divided amount by using the divided amount set by dividing the settlement amount for the payer group in the representative terminal 120 and the payment information recognized by the payer terminal 125. Can be. For example, the representative terminal 120 may set the divided amount by the individual amount set by the payer for each payer. After each of the payers in the payer group determines the individual amount to pay, the payer executes a partial payment program installed in the mobile terminal and inputs the individual amount to be paid by each payer. Through communication with, the individual payment amount for each payer input to the partial payment program can be received. For example, as shown in FIG. 4, when a payment group consisting of a payer 1, a payer 2, and a payer n wants to make a partial payment of 10,000 won for any goods or services provided by the seller. The first one is 5,000 won, the payer 2 is 3,000 won, and the payer n is 2,000 won. In addition, the distinction of the payer is to set the payer 1 as the representative payer and the payer 2 and the payer n according to the payment information recognition order of the representative terminal 120, or the identification number of each payment terminal 125 (for example, Phone number, etc.). As another example, the representative terminal 120 may set a divided amount for each payer according to a payment ratio (that is, a weight) set by the payer group. When the representative terminal 120 sets the split ratio according to the payment information recognition order of each payer terminal 125 according to the request of each payer in the payer group, the corresponding payment is recognized when the payment information is sequentially recognized from each payer terminal. The divided amount for each payer may be set according to a ratio, or the divided amount may be set according to an identification number (for example, a telephone number) of each payer terminal 125. For example, in a payment group consisting of a payer 1, a payer 2, and a payer n as shown in FIG. When the ratio is set to 20%, 30%, and 50%, if the payment rate of the representative terminal 120 is 20%, the payer 1 is 2,000 won, the first payer 2 is 30,000 won, Finally, the payer 3 having recognized the payment information may set the divided amount to 5,000 won or set the divided amount by specifying the payment ratio of each payer according to the identification number of each payer terminal 125. On the other hand, the payment information processing unit 220 may proceed with a partial payment when the number of payments of the payment amount and the number of payers in the payer group received from the representative terminal 120 is the same. In addition, the payment information processing unit 220 displays 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, so that the payer can check the amount to be paid by each mobile terminal. It may include a function to transmit to. Accordingly, the portable terminal may receive the payment details transmitted from the payment information processing unit 220 through the divided payment program and display the payment details so that the payer can check them.

FIG. 3 is a block diagram illustrating an internal configuration of a payment system that supports a plurality of payers to divide and pay a payment amount in a mobile payment method using short-range wireless communication with a portable terminal according to one embodiment of the present invention. . As shown in FIG. 3, the payment system 300 according to an embodiment includes a receiver 310 and a payment processor 320.

The payer group may request a partial payment for the payment amount set by the seller, and when the partial payment request is made, the representative payer of the payer group may select a payment system 300 in which the representative terminal 120 possessed by the seller is a seller terminal. The mobile terminal is approached to the payment system 300 to maintain the distance.

The receiver 310 may recognize a payment method of each payer through short-range wireless communication with the representative terminal 120 in response to a request for split payment of the payer group. In this case, the receiver 310 may be configured to include a communication module capable of short-range wireless communication with the portable terminal. Through this configuration, the reception unit 310 may recognize payment information (for example, credit card number, expiration date, card identification code, account number, etc.) in the portable terminal when the portable terminal approaches the payment system 320. .

When the payment request for the payment details is received from the mobile terminal, the payment processing unit 320 matches the payment information recognized by the receiving unit 310 with respect to the divided amount set in the corresponding payer for each payer and is recognized by the receiving unit 310. By transmitting to the financial company server corresponding to the payment information, the payment request may be divided and proceeded so that the payment amount to be paid by the payer group may 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 terminals of the payer 1, the payer 2, and the payer n 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 320 may integrate and manage the approval details for each payer approved by the partial payment method for settlement and sales management. In other words, the payment processor 320 may bundle and manage payment details that have been separately approved for each payer based on the payment amount for which the partial payment is made for the payer group. In addition, the payment processor 320 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 each mobile terminal so that the payer can check the amount to be paid by the payer. It may include a function for transmitting. Accordingly, the mobile terminal may receive the payment details transmitted from the payment processing unit 320 through the partial payment program and display the payment details so that the payer can check them.

 FIG. 6 is a flowchart illustrating a method of collecting payment information for a partial payment and payment information for a payment amount between a representative terminal 120 and a plurality of payers' mobile terminals 125 according to an embodiment of the present invention. . In the present embodiment, the payment information collection method for the divided payment may be performed by the interworking of the representative terminal 120 and the payer terminal 125 through short-range wireless communication, text message transmission, or data communication. Can be.

In step 610, the representative terminal 120 is embedded in the payer terminal 125 through short-range wireless communication, text message transmission or data communication with the payer terminal 125 for each payer in the payer group requesting the partial payment. It is possible to recognize the payment information associated with the payment method.

In operation 620, the representative terminal 120 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 for the payment amount. Can collect payment information. In this case, the representative terminal 120 may be divided into an amount division method for dividing a payment amount based on an individual amount set by a payer, and a ratio dividing method for dividing a payment amount according to a payment rate set by the payer. The split amount can be set for each payer by the method.

In operation 630, the representative terminal 120 matches the payment information collected by the payer terminal 125 and the payment information for the representative terminal 120 with each divided payment amount set in the corresponding payer. Can be passed to 300.

7 is an embodiment of the present invention, in the mobile payment method using a short-range wireless communication with the representative terminal 120 in accordance with the payment information embedded in the representative terminal 120 to perform a partial payment processing for a plurality of payers It is a flowchart showing an information processing method. In the information processing method according to the present embodiment, each step may be performed by interworking between the payment system 300 and the financial institution server described with reference to FIG. 3.

In operation 710, the payment system 300 divides each payment means and each payment means of each payer built in the representative terminal 120 through short-range wireless communication with the mobile terminal for each payer in the payer group requesting the partial payment. The payment information related to the amount can be recognized. The payment system 300 may proceed with the partial payment when the sum of the divided amounts received from the representative terminal 120 is the amount division method and the sum of the divided amounts equals the payment amount to be paid to the payer group. In the case of the split method, if the number of splits by the payment rate and the number of payers included in the payment information are the same, the split payment may be performed.

In operation 720, the payment system 300 may match the payment information recognized by the representative terminal 120 with respect to the payment amount set in the corresponding payer to each financial provider to the financial institution server. That is, the payment system 300 may separately process the request for approval so that the payment amount to be paid by the payer group is divided according to the divided amount set for 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 in which a plurality of payers can divide and pay a payment amount 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 not only by the claims below but also by the equivalents of the claims.

120: representative terminal
210: recognition unit
220: payment information processing unit
300: payment system
310: receiving unit
320: payment processing unit

Claims (12)

Collect and retain payment information of other payers in a payer group consisting of a plurality of payers, and support at least one wireless communication with a mobile terminal capable of mobile payments with at least one payment method embedded therein,
Receiving unit for receiving the payment information of each payer embedded in the representative terminal through the short-range wireless communication with the representative terminal when the partial payment is requested from the representative terminal and the payment amount;
A payment processing unit for recognizing the divided amount for each payer for the payment amount for the payer group, and processing the payment for the divided amount by using the payment information for each of the payers.
Split payment providing system comprising a. The method of claim 1,
The payment processing unit,
Processing 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,
Processing 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 1,
The payment processing unit,
After the payment details including the payment amount and the divided amount for each payer are transmitted to the representative terminal or each terminal of the payer, when the payment request for the payment details is received from the representative terminal, payment for the divided amount Processing
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 financial 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,
Collect and retain payment information of other payers in a payer group consisting of a plurality of payers, and support at least one wireless communication with a representative terminal capable of mobile payments with at least one payment method embedded therein,
The split payment providing method,
Recognizing payment information of each payer embedded in the representative terminal through short-range wireless communication with the representative terminal when a partial payment is requested from the representative terminal;
A payment processing step of recognizing the payment amount of the payment amount for the payment amount to the payment group and then processing the payment for the payment amount using the payment information for each of the paymentrs;
Split payment providing method comprising a. 9. The method of claim 8,
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. 9. The method of claim 8,
The payment processing step,
After the payment details including the payment amount and the divided amount for each payer are transmitted to the payment terminal of each of the payers in the representative terminal or the payer group, and a payment request for the payment details is received from the representative terminal. Processing payment for the divided amount
Split payment providing method characterized in that. 9. The method of claim 8,
In the payment processing step, the payment information is matched with the divided amount to each of the payers to request payment approval for the divided amount by transmitting to the financial company server corresponding to the payment means.
Split payment providing method characterized in that. 9. The method of claim 8,
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.
KR1020110097371A 2011-09-27 2011-09-27 Recoding medium, information processing method and system KR20130033615A (en)

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20140125170A (en) * 2013-04-18 2014-10-28 중소기업은행 Apparatus for Joint Payment by Using Local Area Mobile Communication and Method thereof
KR20180019929A (en) * 2016-08-17 2018-02-27 주식회사 피노스 Method for Operating Autonomic Dutch Pay
KR102667060B1 (en) * 2023-09-15 2024-05-20 주식회사 트래블월렛 Payment system for supporting split payment and method for performing split payment thereof

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20140125170A (en) * 2013-04-18 2014-10-28 중소기업은행 Apparatus for Joint Payment by Using Local Area Mobile Communication and Method thereof
KR20180019929A (en) * 2016-08-17 2018-02-27 주식회사 피노스 Method for Operating Autonomic Dutch Pay
KR102667060B1 (en) * 2023-09-15 2024-05-20 주식회사 트래블월렛 Payment system for supporting split payment and method for performing split payment thereof

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