KR20130057332A - System and method for divided payment process about fees of private institutions - Google Patents

System and method for divided payment process about fees of private institutions Download PDF

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KR20130057332A
KR20130057332A KR1020110123186A KR20110123186A KR20130057332A KR 20130057332 A KR20130057332 A KR 20130057332A KR 1020110123186 A KR1020110123186 A KR 1020110123186A KR 20110123186 A KR20110123186 A KR 20110123186A KR 20130057332 A KR20130057332 A KR 20130057332A
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payment
item
information
account
server
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김인권
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김인권
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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
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/38—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
    • 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
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/20—Education

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Abstract

The present invention relates to a school fee classification payment processing system, and a storage medium for storing two or more item information and item-specific account information-information including the unique number of the customer-and the item-valued amount information constituting the total school costs and stores; A card information input unit for inputting card information for the total school expenses payment approval, an approval amount input unit for inputting the approval amount for the total school expenses, and an account information input unit for inputting or selecting item-specific customer information constituting the total school expenses; A confirmation unit for confirming the customer's unique number and the amount information corresponding to the customer information input or selected through the customer information input unit through the storage medium; Based on the approved amount, a full payment approval request is issued to approve payment for the total school expenses. However, a full text generation unit for generating two or more item specific account number and the item amount constituting the total school expenses in the payment approval request message, and transmits the generated payment approval request message to the payment server on the communication network A payment terminal having a communication unit and a receiving unit for receiving the full payment approval request message, and a database for information on at least two item-specific account numbers and item-specific amounts constituting the total school expenses included in the full payment approval request message; When the payment approval for the total school expenses is processed through a storage unit for storing in the server and a card company corresponding to the card information, two or more item-specific account numbers and items constituting the total school expenses previously stored in the database. Check the information on each price, and receive the card payment for each customer corresponding to each item That includes a billing server comprising a processing unit for processing such addition.

Figure P1020110123186

Description

System and Method for Divided Payment Process about Fees of Private Institutions}

The present invention relates to a method and system for processing so that the card payment fee is added to each of the two or more items of the account constituting the total school expenses by classifying and processing the school expenses total payment approval request amount in a single payment process.

Previously, the school expenses (course fees, etc.) of first-line schools were indirectly included in the school expenses by separately billing customers for textbook fees and educational contents costs for the convenience of payment. Apart from the expense, no additional expenses were received, and consequently, the first line institute was in turmoil as the costs of teaching materials and educational contents, which are the main items of the school expenses, were excluded.

In other words, given that the environment that students (parents) can not buy the textbooks selected by the school is not established, the textbooks must be purchased at the school and included in the school expenses. (Students pay excessive amount of sales and card fees as much as the amount of textbooks), but some schools offer 1 ~ 2 educational contents for quality education, but it is required to purchase / pay separately for students (parents) City, parent confusion and school paradigm problem, the cost of providing educational content when purchasing in the school, and also the cost of the school cost burden such as the textbook costs.

As shown in FIG. 1, more than 90% of the school's school fees are settled with a credit card. Although the school fees include textbook fees and online education contents costs in addition to the tuition fees, they are settled in the total amount without any distinction. However, there are two tasks to be solved at the institute.

First, the school sales are overstated (the cost of teaching materials and educational contents are not the institute's own sales, so the main source of sales must be distinguished), and the second is the overburden of the institute's credit card fees. You only have to pay card fees for sales.

The purpose of the present invention for solving the above problems, by registering and paying the school expenses in the payment terminal (or PC), the sales are accounted for each subject according to the items included in the school costs, card fees also belong to sales Provided a method and system that can provide the efficiency of payment and equity of fees due to the fact that the school expenses (All) of all the items can be implemented in one simple payment through the in-one payment terminal. It would be.

School fee classification payment processing system according to the present invention, the storage medium for storing two or more item information constituting the total school costs and the item-specific account information-information including the unique number of the customer-and the amount of information by item and store the total, A card information input unit for receiving card information for approving school expenses, an approval amount input unit for inputting an approval amount for the total school expenses, a customer information input unit for inputting or selecting item-specific customer information constituting the total school expenses, and the client Confirmation unit for confirming the customer unique number and the amount information corresponding to the customer information or inputted through the information input unit through the storage medium, the card information received through the card information input unit and the authorization received through the authorization amount input unit Based on the amount, create a full payment approval request to approve payment A full text generation unit for generating a total number of two or more items of the customer account number and the item amount constituting the total school expenses in the payment approval request message, and the communication unit for transmitting the generated payment approval request message to the payment server on the communication network A payment terminal including a payment unit and a receiving unit for receiving the full payment approval request message, and storing information on two or more item-specific account unique numbers and the amount of each item constituting the total school expenses included in the full payment approval request message in a database; If the payment approval for the total school expenses through the storage unit and the server of the card company corresponding to the card information is processed, two or more items of the unique number of the customer and each item constituting the total school expenses previously stored in the database Check the information on the card, the card payment fee will be charged for each account corresponding to each item And a payment server comprising a processing unit for processing such.

According to one side, the storage medium may be located in a server on a communication network, or in the payment terminal, or in a computer connected to the payment terminal, or may be located in the payment server.

According to another aspect, the payment terminal may be configured to be separated from the computer, connected to the computer, or include a computer.

According to another aspect, the card information input unit may receive card information through short-range communication, receive card information by magnetic stripe (MS) reading method, receive card information by IC chip reading, key input, or It can be input through an automatic response.

According to another aspect, the storage unit, the information on the two or more item number and the item amount of the item constituting the total school expenses, the payment approval request specialized number or the payment approval response specialized text corresponding to the payment approval request unique Can be stored in conjunction with the number.

According to another aspect, the processing unit, after confirming the information on the two or more item number and the item price of each item constituting the total school expenses pre-stored in the database, and the amount of each customer corresponding to each item The fee for each account may be calculated by multiplying the fee rate corresponding to the total expansion fee settlement approval process, and the calculated fee for each account may be stored in a database or transmitted to a settlement processing server on a communication network.

According to another aspect, the settlement server, the settlement unit for separating the total approved school fees for each account by the amount of each customer, and calculates the settlement amount for each account by subtracting the additional fees for each account from the separate account for each customer It may be further provided.

According to another aspect, the settlement unit may process the settlement amount for each account to be deposited for each of the accounts.

According to another aspect, the payment server is connected to one or more of the ban operator server, PG operator server, card company server, financial company server, or one or more of the ban operator server, PG operator server, card company server, financial company server through a communication network. Or may be included in one or more servers of a ban operator server, a PG operator server, a card company server, and a finance company server.

In accordance with the present invention, the method for processing a school expenses divisional payment comprises the steps of: receiving card information for the total school expenses payment approval from the payment terminal and an approval amount for the total school expenses; and payment of the total school expenses based on the card information and the authorization amount at the payment terminal. Generating the full payment approval request for approval, but generating by including the two or more item-specific account unique number and the item-specific amount constituting the total school expenses in the full payment approval request, and the payment generated in the payment terminal Transmitting the full approval request message to a payment server on a communication network, and storing information on two or more item-specific account unique numbers and the amount of each item constituting the total school expenses included in the payment approval request message in a payment server in a database; And paying for the total school expenses through a server of a card company corresponding to the card information. When the approval is processed, the payment server checks the information on the two or more item-specific account unique numbers and the item-specific amounts constituting the total school expenses previously stored in the database, so that the card payment fee for each customer corresponding to each item is increased. Processing to be added.

According to one side, the school cost division payment processing method, the payment terminal or payment server at least two item information constituting the total school costs and the item-specific customer information-information including the unique number of the customer-and the amount of item information linked And storing the data on a storage medium.

According to another aspect, the school cost division payment processing method may further comprise the step of receiving or inputting the item-specific customer information constituting the total school expenses in the payment terminal.

According to another aspect, the step of storing in the database the information about the two or more item number unique account and the item-specific amount constituting the total school costs included in the full payment approval request in the database, the total school costs Two or more item-specific account number and item-specific information constituting the can be stored in connection with the payment approval request special number or payment approval response special number corresponding to the payment approval request.

According to another aspect, the school fee classification payment processing method, after confirming the information on the two or more item number and the item price of each item constituting the total school costs previously stored in the database in the payment server, each item Calculating a fee for each account by multiplying the corresponding fee for each account by the fee rate corresponding to the total expansion fee settlement approval process, and processing the fee information for each account to be stored in a database at a payment server, or settling on a communication network. The method may further include transmitting to the processing server.

According to another aspect, the school cost division payment processing method, the payment server separates the total school fees approved by the payment to each customer amount, and settled for each account by subtracting the additional fees for each customer from the separate customer amount The method may further include calculating an amount of money, and processing the settlement server to settle the payment amount for each account by the payment account.

According to the present invention, a computer-readable recording medium comprising a program for executing the school fee division payment processing method is recorded.

According to the present invention, the item may include at least one tuition fee item, a textbook fee item, and a content fee item, and the account information includes one or more business name, representative name, business number, and merchant number. can do.

According to the present invention, the school expenses (All), such as school costs, teaching materials costs, educational content costs, etc. All parents, by improving the efficiency of the payment can be implemented in a simple payment through one (In-One) payment terminal parents / In order to improve convenience of all schools, all items such as school expenses, textbook expenses, and educational contents expenses are accounted for by each subject, and the card fees are balanced so that the financial statement of the school can be improved and the burden of fee loss can be greatly reduced. It is effective.

BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are incorporated in and form a part of the specification, illustrate preferred embodiments of the invention and, together with the description of the invention given above, serve to further the understanding of the technical idea of the invention. And should not be construed as interpretation.
1 is an embodiment showing a conventional school fee payment process.
2 is a diagram showing an overall system configuration according to an embodiment of the present invention.
3 is a diagram illustrating a detailed configuration of a payment server according to an embodiment of the present invention.
4 is a diagram illustrating a detailed configuration of a payment terminal according to an embodiment of the present invention.
5 is a diagram illustrating a fee sharing process according to school fee division payment according to an embodiment of the present invention.
Figure 6 is an embodiment showing a school cost division payment process using the school cost division payment system according to an embodiment of the present invention.
Figure 7 is an embodiment showing a menu configuration for school fee division payment according to the embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

2 is a diagram showing an overall system configuration according to an embodiment of the present invention.

In more detail, in FIG. 1, the payment terminal 110 is connected to the payment server 100 through a communication network or a payment network, and the payment server 100 is connected to the card company server 120 through a communication network or a payment network. Only one payment processing according to the invention shows the configuration to process the total payment approval request amount of school expenses to add a card payment fee for each customer.

Here, the communication network or payment network between the payment terminal 110 and the payment server 100 may further include a variety of configurations by those skilled in the art, the payment network according to the location of the payment server 100 PG operator server or van operator It can include a server.

In addition, the communication network or payment network between the payment server 100 and the card company server 120 may further include a variety of configurations by those skilled in the art, the payment network according to the location of the payment server 100 PG operator server or van operator It can include a server.

That is, although not shown separately on the drawings, the connection between the payment terminal 110 and the payment server 100 and the card company server 120, 130 may be variously configured according to the intention of the skilled person.

Payment terminal 110 according to the present invention, according to an embodiment of the present invention, two or more item information constituting the total school expenses and item-specific customer information-information including the unique number of the customer-and item price information After the storage medium 440 is connected or connected through a network, the card information for approval of payment of the total school expenses is input, the approval amount for the total school expenses is input, and the customer information of each item constituting the total school expenses is input. Receiving an input or selection, confirming a customer's unique number and amount information corresponding to the input or selected customer information through the storage medium 440, and confirming an authorization amount received through the card information and the authorization amount input unit 420. On the basis of this, a full payment approval request is generated for approval of payment for the total school expenses, but the unique number of each customer and each item of the two or more items that constitute the total school expenses Generates an amount included in the payment approval request full text, and transmits the generated payment approval request full text to the payment server 100 on the communication network.

In addition, the payment terminal 110 according to the present invention, the payment approval response response corresponding to the payment approval request special number or payment approval request information on the two or more items of the account number and the amount of each item constituting the total school expenses It can be stored in advance on the storage medium 440 in connection with the professional identification number.

Here, the storage medium 440 is located in a third server on the communication network, or located in the payment terminal 110, or in a computer connected to the payment terminal 110, or the payment server 100 The payment terminal 110 may be separated from the computer, or connected to the computer, or may be configured to include a computer, and the items may include a tuition fee item, a textbook fee item, and a content fee. One or more items may be included, and the account information may include one or more business name, representative name, business number, and merchant number.

The payment server 100 according to the embodiment of the present invention receives the payment approval request message transmitted by the payment terminal 110 through a communication network or a payment network, and then receives the total school expenses included in the payment approval request message. When the payment information for the total school expenses is processed through the card company server 120 corresponding to the card company stores the information on the two or more item-specific account number and the item-specific amount constituting the card information, It checks the information on the two or more items of the customer unique number and the amount of each item constituting the total school expenses previously stored in the database 340, the role of processing to add a card payment fee for each customer corresponding to each item Do this.

According to the present invention, the payment server 100 corresponds to each item after confirming information on two or more item number and the amount of each item constituting the total school expenses previously stored in the database 340 To calculate the fee for each account by multiplying the fee amount corresponding to the total expansion cost settlement approval processing, and processing the calculated fee for each account to be stored in the database 340, or for settlement processing on the communication network It further performs the role of transmitting to the server, and separates the total school fees approved by the payment to the amount for each account, and after calculating the settlement amount for each account by subtracting the additional fee for each account from the separated account amount, It may further serve to process the settlement amount for each account to be deposited for each of the accounts.

According to the present invention, the payment server 100 is one of a ban operator server, a PG operator server, a card company server 120, a financial company server, or a ban operator server, a PG company server, a card company server 120, a financial company server. One or more of these may be connected through a communication network, or may be included in one or more servers of a ban operator server, a PG operator server, a card company server 120, and a financial company server.

The card company server 120 according to the embodiment of the present invention receives a payment approval request corresponding to a separate payment according to the present invention through a payment network including a payment server 100 or a service provider server, and then a payment approval request. It performs the role of processing the approval response corresponding to, and may include servers of financial companies, such as credit card companies and banks, and other payment approval agency server.

3 is a diagram illustrating a detailed configuration of a payment server 100 according to an embodiment of the present invention.

FIG. 3 illustrates only the main components according to the present invention. Although the detailed illustration is omitted on the drawing, in the case where the payment server 100 performs the role of a PG operator or a van operator, a conventional PG operator server or van is shown. You can add the functional configuration of the operator server.

Preferably, the main functional configuration of the payment server 100 according to the present invention, as shown, the receiving unit 310, the transmitting unit 320, the storage unit 330, the database 340, the processing unit And 350, a settlement unit 360, and a control unit 300 for controlling each of the components and the program, wherein each of the components is added according to the position and characteristics of the payment server 100. Or may be excluded.

Referring to FIG. 3, the receiver 310 performs a function of receiving a full payment approval request message transmitted by the payment terminal 110 through a communication network or a payment network.

Here, the receiver 310 receives the full payment approval request message directly from the payment terminal 110 according to the location of the payment server 100, or the payment approval request via the PG provider or van operator server included in the payment network. Receive full text.

According to the present invention, the receiver 310 further receives various information or data transmitted through various servers included in the payment terminal 110, the card company server 120, and the payment network, in addition to the payment approval request text.

Transmission unit 320 according to an embodiment of the present invention, by transmitting the full payment approval request to the card company server 120 serves to request the payment approval.

Here, the transmission unit 320 according to the location of the payment server 100, transmits the full payment approval request directly to the card company server 120, or through the PG provider or van operator server included in the payment network payment approval The full request may be transmitted to the card company server 120.

According to the present invention, the transmission unit 320 further transmits various information or data to the various payment servers in addition to the payment approval request, the payment terminal 110, the card company server 120 and the payment network.

The storage unit 330 according to the present invention serves to store information on two or more item-specific account unique numbers and item-specific amounts constituting the total school expenses included in the payment approval request text in the database 340. To perform.

Here, the time of storing the information on the two or more item-specific account unique number and the item-specific amount constituting the total school expenses included in the full payment approval request in the database 340 is the payment approval according to the embodiment of the present invention. Before or after the approval response of the card company server 120 corresponding to the request is possible.

According to the present invention, the storage unit 330 is a payment approval request special number, commission rate, fee information by each customer, in addition to the information on the two or more items of the customer unique number and the amount of each item constituting the total school expenses After calculating the fee, various information or data such as settlement amount information may be further stored in the database 340.

The database 340 according to the present invention stores information on two or more item-specific account unique numbers and item-specific amounts constituting the total school expenses included in the full payment approval request, and the payment approval request and payment approval response. It is possible to further store various information or data corresponding to the information, such as the fee information for each account, the settlement amount and the details information after calculating the fee for each account.

Processing unit 350 according to the present invention, if the payment approval for the total school expenses through the card company server 120 corresponding to the card information is processed, the two to configure the total school expenses previously stored in the database 340 It checks the information about the unique number of each customer and the amount of each item, and the card payment fee is added to each customer corresponding to each item.

In addition, the processor 350 checks information on two or more item numbers and item amounts constituting the total school expenses previously stored in the database 340, and then calculates the amount of each item corresponding to each item. Multiplying the fee rate corresponding to the total expansion fee settlement approval process to calculate a fee for each account, and processing the calculated fee for each account to be stored in the database 340, or transmitting to a settlement processing server on a communication network. You can do more.

The settlement unit 360 according to the exemplary embodiment of the present invention separates the total approved school expenses into payments for each account, and calculates the settlement amount for each account by subtracting the additional fee for each account from the separated account amount. Afterwards, the settlement amount for each customer is processed to be deposited for each customer.

The function and role of the settlement unit 360 according to the present invention can be handled by the van operator server instead. In this case, the settlement unit 360 can be deleted.

According to the present invention, the function and role of each component of the payment server 100 can be executed through one or more programs or program sets.

4 is a diagram illustrating a detailed configuration of a payment terminal 110 according to an embodiment of the present invention.

FIG. 4 illustrates only the main components according to the present invention, and specific drawings are omitted in the drawing. However, when the payment terminal 110 is connected to the PC, included in the PC, or includes the PC, the functional configuration is illustrated. You can add

Preferably, the main functional configuration of the payment terminal 110 according to the present invention, as shown, the card information input unit 410, the approved amount input unit 420, the customer information input unit 430, the storage medium ( 440, a confirmation unit 450, a full text generation unit 460, a communication unit 470, and a control unit 400 for controlling the respective units and programs, and the payment terminal ( Depending on the type and characteristics of 110, each component may be added or excluded.

Referring to FIG. 3, the card information input unit 410 serves to receive card information of a customer, receives card information through short-range communication, or receives card information through a magnetic stripe (MS) reading method. The card information may be input through IC chip reading, or may be input through a key input or an automatic response (such as ARS through a wired or wireless telephone).

Approval amount input unit 420 according to the embodiment of the present invention, serves to receive the approval amount for the total school expenses.

The account information input unit 430 according to the embodiment of the present invention plays a role of receiving or selecting the item information of each item constituting the total school expenses, and the item information of the customer constituting the total school expenses in advance according to an embodiment of a person skilled in the art. Set on the payment terminal 110 to be able to omit the process of selecting every time, every payment, or optionally may be selectively operated every time each payment.

The storage medium 440 according to the present invention serves to connect and store two or more item information constituting the total school expenses and item-specific account information-information including an account unique number-and item price information. In some cases, only the account information may be stored, and the amount information may be received and operated in real time.

Here, the account information may include one or more account name, representative name, business number, merchant number.

The confirmation unit 450 according to an exemplary embodiment of the present invention, when generating a payment approval request text, stores the unique number and the amount information corresponding to the customer information input or selected through the customer information input unit 430 in the storage medium 440. ) To confirm.

Of course, the verification unit 450 may be identified as information input in real time at the time of payment, without confirming the customer unique number and the amount information corresponding to the customer information through the storage medium 440 according to the embodiment of the present invention.

Full text generation unit 460 according to the embodiment of the present invention, the payment of the total school expenses based on the card information input through the card information input unit 410 and the approval amount input through the approval amount input unit 420 Generate a payment approval request for the full text, the role of generating the two or more item-specific account number and the item-specific amounts constituting the total school expenses by including in the payment approval request.

The communication unit 470 according to the embodiment of the present invention performs a role of transmitting the generated payment approval request message to the payment server 100 on the communication network.

Here, the communication unit 470 according to the location of the payment server 100, transmits the full payment approval request directly to the payment server 100, or through the PG provider or van operator server included in the payment network payment approval request The full text may be transmitted to the payment server 100.

According to the present invention, the communication unit 470 may further process transmission and reception of various information or data between the payment server 100, the payment server 100, the card company server 120, and various servers included in the payment network. have.

According to the present invention, the function and role of each component of the payment terminal 110 can be executed through one or more programs. In this case, the program includes two or more item information and item-specific trading partners constituting a total school expenses. Information-the information including the customer's unique number-and the amount of item-specific information is stored in the storage medium 440, the function to receive the card information for the payment approval of the total school fees, and the authorization amount for the total school costs A function of receiving an input, a function of receiving or selecting an item-specific account information constituting a total school expenses, a function of confirming an account unique number and amount information corresponding to the account information through the storage medium 440, and the card Based on the information and the approved amount, generate the full payment approval request for approval of payment for the total school expenses, and for each of two or more items that constitute the total school expenses Raecheo executes a function to generate a unique number and include the itemized amount of the payment authorization request to a professional.

5 is a diagram illustrating a fee sharing process according to school fee division payment according to an embodiment of the present invention.

First, the payment terminal 110 stores two or more item information and item-specific account information constituting the total school expenses-information including the account unique number-and item price information on the storage medium 440 (S510). .

Of course, when the storage medium 440 is in the server (or payment server 100) on the communication network, or in the server on the communication network remotely configured the total school expenses on the storage medium 440 provided in the payment terminal 110 When storing two or more item information and item-specific account information-information including an account unique number-and item price information, the process (S510) can be omitted.

Thereafter, the payment terminal 110 receives the card information of the customer through the card information input unit 410 (S515), and receives the approval amount for the total school expenses through the approval amount input unit 420 (S520).

Thereafter, the payment terminal 110 receives or receives item-specific customer information constituting the total school expenses through the customer information input unit 430 (S525).

Of course, according to an embodiment of the person skilled in the art, if setting the item-specific account information constituting the total school expenses in advance on the payment terminal 110 and omitting the process of selecting every time, the process (S525) can be omitted.

Subsequently, when generating a payment approval request text, the payment terminal 110 checks, through the storage medium 440, the unique number and the amount information corresponding to the customer information of each item constituting the total school expenses through the verification unit 450. (S530).

Subsequently, the payment terminal 110 generates the full payment approval request message including the card information and the authorization amount through the professional generation unit 460, and each customer's unique number and item for each of two or more items constituting the total school expenses The amount is included in the full payment approval request and generated (S535).

Thereafter, the payment terminal 110 transmits the generated payment approval request message to the payment server 100 on the communication network through the communication unit 470 (S540).

Here, the communication unit 470 according to the location of the payment server 100, transmits the full payment approval request directly to the payment server 100, or through the PG provider or van operator server included in the payment network payment approval request The full text may be transmitted to the payment server 100.

Thereafter, the payment server 100 receives the full payment approval request message transmitted by the payment terminal 110 through a communication network or a payment network (S545).

Then, the payment server 100 through the storage unit 330 to the database 340, the information about the two or more item number and the unique number of each item constituting the total school expenses included in the payment approval request full text to the database 340 Save (S550).

Thereafter, the payment server 100 checks whether the payment approval for the total school expenses has been processed through the card company server 120 corresponding to the card information (S555).

Here, the process (S550) is possible before or after the approval response of the card company server 120 corresponding to the payment approval request according to the embodiment of the present invention, the process (S550) is settled according to the embodiment of the present invention. When the card company server 120 corresponding to the approval request is processed after the approval response, steps S555 and S550 may be changed in order.

As a result of the confirmation through the process (S555), when the payment approval is normally processed (S560), the payment server 100 comprises two or more of the total school expenses previously stored in the database 340 through the processing unit 350 The information on the unique number of each customer and the amount of each item is checked (S565), and the card payment fee is added to each customer corresponding to each item (S570).

Although not shown separately on the drawing, the payment server 100 checks the information about the two or more item number and the item amount constituting the total school expenses previously stored in the database 340 through the processing unit 350 after Calculate a fee for each account by multiplying the fee amount corresponding to the total extension fee settlement approval process by the amount of each account corresponding to each item, and processing the calculated fee for each account to be stored in the database 340; or The process of transmitting to the settlement processing server on the communication network is further carried out, and after that, through the settlement unit 360, the total approved school fees are approved by each customer, and added to each customer from the amount of each customer. After calculating the settlement amount for each account after deducting the fee, the settlement amount for each account is deposited to each account. The process can be further performed.

As a result of the check in step S555, when payment approval is not normally performed (S575), the payment server 100 generates a payment impossible message and transmits it to the payment terminal 110 (S580).

Figure 6 is an embodiment showing a school cost division payment process using the school cost division payment system according to an embodiment of the present invention.

As shown in Figure 6, the total school expenses of 200,000 won is calculated as the sales of the corresponding institute, the card payment fee according to the 200,000 won payment approval is not added only to the institute, but according to the present invention in the textbook costs and content items By processing the payment for each customer by the customer, it can be confirmed that the processing fee is added to the school and the publisher and the content providing school to add the fee according to the payment approval of the total school costs 200,000 won.

Figure 7 is an embodiment showing a menu configuration for school fee division payment according to the embodiment of the present invention.

Figure 7 is an embodiment showing a menu configuration for all-in-one payment according to the present invention on the payment terminal 110.

100: payment server 110: payment terminal
120: card company server 300: control unit
310: receiver 320: transmitter
330: storage 340: database
350: processing unit 360: settlement unit

Claims (18)

A storage medium for storing two or more item information constituting the total school expenses and item-specific account information-information including an account unique number-and item-value amount information;
Card information input unit for receiving the card information for approval of payment of the total school fees,
Approved amount input unit for receiving the approved amount for the total school expenses,
An account information input unit which receives or selects account information for each item constituting the total school expenses;
A confirmation unit for confirming, through the storage medium, a unique number and value of a customer corresponding to the customer information input or selected through the customer information input unit;
On the basis of the card information input through the card information input unit and the approval amount input through the approval amount input unit, generate a full payment approval request for approval of payment of the total school expenses, and each of two or more items constituting the total school expenses Full-text generation unit for generating the account number and the item-specific amount in the payment approval request full text;
A payment terminal having a communication unit for transmitting the generated payment approval request message to a payment server on a communication network;
Receiving unit for receiving the full payment approval request;
A storage unit for storing information on at least two item-specific account unique numbers and item-specific amounts constituting the total school expenses included in the full payment approval request in a database;
When payment approval for the total school expenses is processed through a server of a card company corresponding to the card information, check information on two or more item-specific account unique numbers and the amount of each item constituting the total school expenses previously stored in the database. To include, a payment server having a processing unit for processing to add a card payment fee for each account corresponding to each item; includes;
School fee division payment processing system.
The method of claim 1, wherein the storage medium,
Located in a server on a communication network, or located in the payment terminal, or in a computer connected to the payment terminal, or located in the payment server,
School fee division payment processing system.
The method of claim 1, wherein the payment terminal,
Separate from, connected to, or configured to include,
School fee division payment processing system.
The method of claim 1, wherein the card information input unit,
Receive card information through local area communication,
Receive card information by MS (Magnetic Stripe) reading method,
Receive card information by IC chip reading method,
Received by keystrokes or autoresponders,
School fee division payment processing system.
The method of claim 1, wherein the storage unit,
Storing information about two or more item-specific account numbers and item-specific amounts constituting the total school expenses by connecting the payment approval request special number or the payment approval response special number corresponding to the payment approval request;
School fee division payment processing system.
The apparatus according to claim 1,
After confirming the information on the two or more item number and the amount of each item constituting the total school expenses previously stored in the database, the commission rate corresponding to the total expansion fee payment approval processing to the amount of each account corresponding to each item To calculate the fee for each account by multiplying, and to process the calculated fee for each account to be stored in the database, or to transmit to the settlement processing server on the communication network,
School fee division payment processing system.
The method of claim 1, wherein the payment server,
Further comprising a settlement unit for separating the total approved school fees for each account by the amount of each customer, and calculates the amount of settlement for each account by subtracting the additional fee for each account from the separate amount of each account,
School fee division payment processing system.
The method of claim 7, wherein the settlement unit,
The settlement amount for each account is processed to be deposited for each of the accounts,
School fee division payment processing system.
The method of claim 1, wherein the payment server,
One of a van operator server, a PG operator server, a card company server, a financial company server, or
Connected to at least one of a ban carrier server, a PG provider server, a card company server, a financial company server through a communication network, or
Included in one or more of the ban carrier server, PG provider server, card company server, financial company server,
The method of claim 1, wherein the item is
It includes one or more tuition items, textbook costs items, content usage fee items,
School fee division payment processing system.
The method of claim 1, wherein the account information,
Including one or more business name, representative name, business number, merchant number,
School fee division payment processing system.
Receiving, at the payment terminal, card information for approving the payment of the total school expenses and an authorization amount for the total school expenses;
The payment terminal generates a payment approval request text for approval of payment for the total school expenses based on the card information and the authorized amount, and includes two or more items of the unique account number and the amount of each item that constitute the total school expenses. Generating to include in the;
Transmitting the generated payment approval request message in a payment terminal to a payment server on a communication network;
Storing, by a payment server, information on at least two item-specific account unique numbers and item-specific amounts constituting the total school expenses included in the full payment approval request in a database;
When the payment approval for the total school expenses is processed through the server of the card company corresponding to the card information, the payment server for the two or more item-specific account unique number and the amount of each item constituting the total school expenses previously stored in the database Checking the information, processing to add a card payment fee for each account corresponding to each item; including,
School fee division payment processing method.
13. The method of claim 12,
And storing at least two item information constituting a total school expenses, item information, and item information including information of a customer's unique number in the payment terminal or payment server and stored on a storage medium. ,
School fee division payment processing method.
13. The method of claim 12,
Further comprising the step of receiving or selecting the item-specific account information constituting the total school expenses in the payment terminal,
School fee division payment processing method.
The method of claim 12, wherein the storing server stores information on at least two item-specific account unique numbers and item-specific amounts constituting the total school expenses included in the full payment approval request in a database.
Characterized in that the information about the two or more item number and the item amount constituting the total school expenses is stored in connection with the payment approval request special number or the payment approval response special number corresponding to the payment approval request for storing ,
School fee division payment processing method.
13. The method of claim 12,
After confirming the information on the two or more item number of the account and the amount of each item constituting the total school expenses previously stored in the database in the payment server, the settlement fee payment approval process to the amount of each customer corresponding to each item Calculating a fee for each account by multiplying the corresponding fee rate; And
The payment server processing the calculated fee information for each account to be stored in the database, or transmitting to the settlement processing server on the communication network; further comprising,
School fee division payment processing method.
13. The method of claim 12,
Calculating a settlement amount for each account by subtracting the total approved school fees from each settlement account by the amount of each account, and subtracting the additional fee for each account from the amount of the separate account; And
The payment server to process the settlement amount for each account to be deposited for each of the account; further comprising,
School fee division payment processing method.
A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 12 to 17.
KR1020110123186A 2011-11-23 2011-11-23 System and method for divided payment process about fees of private institutions KR20130057332A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102318557B1 (en) * 2021-01-20 2021-10-28 이수진 Credit card payment system and method
KR20220113583A (en) * 2021-02-05 2022-08-16 주식회사 케이지이니시스 Method for Making Payment Separation Approval Data

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102318557B1 (en) * 2021-01-20 2021-10-28 이수진 Credit card payment system and method
KR20220113583A (en) * 2021-02-05 2022-08-16 주식회사 케이지이니시스 Method for Making Payment Separation Approval Data
KR20220113648A (en) * 2021-02-05 2022-08-16 주식회사 케이지이니시스 Method for Making Payment Separation Approval Data

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