KR20130089896A - Portable device, payment device, payment agency server having dutch pay function, and payment method and agency method for payment - Google Patents

Portable device, payment device, payment agency server having dutch pay function, and payment method and agency method for payment Download PDF

Info

Publication number
KR20130089896A
KR20130089896A KR1020120003118A KR20120003118A KR20130089896A KR 20130089896 A KR20130089896 A KR 20130089896A KR 1020120003118 A KR1020120003118 A KR 1020120003118A KR 20120003118 A KR20120003118 A KR 20120003118A KR 20130089896 A KR20130089896 A KR 20130089896A
Authority
KR
South Korea
Prior art keywords
payment
information
request
card
terminal
Prior art date
Application number
KR1020120003118A
Other languages
Korean (ko)
Inventor
노정화
이장혁
김정환
박주희
Original Assignee
한국정보통신주식회사
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 한국정보통신주식회사 filed Critical 한국정보통신주식회사
Priority to KR1020120003118A priority Critical patent/KR20130089896A/en
Publication of KR20130089896A publication Critical patent/KR20130089896A/en

Links

Images

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/16Payments settled via telecommunication systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223Realising banking transactions through M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04BTRANSMISSION
    • H04B5/00Near-field transmission systems, e.g. inductive loop type
    • H04B5/02Near-field transmission systems, e.g. inductive loop type using transceiver

Abstract

PURPOSE: A portable terminal, a payment terminal and a payment agency server, and a payment method and a payment agency method using the same are provided to offer the convenience of a user which wants Dutch treat in member store using data transmission and payment with local area wireless communications and to realize division payment for total amounts with one payment. CONSTITUTION: A receiving unit (164) of a portable terminal (160) receives the other card information corresponding to the other portable terminal from one or more other portable terminals (110-150). An information generator (166) produces payment request information using one or more other card information and user card information which is stored in advance. A transmitter (168) transmits the produced payment request information to a payment terminal (170). [Reference numerals] (110) First terminal; (120) Second terminal; (150) Nth terminal; (160) Portable terminal; (164,172,182) Receiving unit; (166) Information generator; (168,176,186) Transmitter; (174,184) Preamble generator; (190) A card company; (195) B card company; (200) Z card company

Description

PORTABLE DEVICE, PAYMENT DEVICE, PAYMENT AGENCY SERVER HAVING DUTCH PAY FUNCTION, AND PAYMENT METHOD AND AGENCY METHOD FOR PAYMENT}
The present invention relates to a portable terminal having a Dutch pay payment function, a payment terminal and a payment agent server, and a payment method and a payment agent method using the same. More specifically, even if one mobile terminal makes a payment through the payment terminal, the same effect as the multiple payment of the Dutch pay method is generated.
Modern smartphones have a wider touchscreen display interface than conventional mobile phones, improving user convenience, and charging a personal computer at the same time using an interface called a docking station. You can also send and receive data stored on your device, and have PIM (Personal Information Management) to manage thousands of addresses. Furthermore, smart phones are now being applied conveniently in real life regardless of the applications such as mobile internet banking and mobile credit cards.
In particular, as Dutch pay is commonly used today, although it has become common to pay for each person's own expenses, applications for Dutch pay that are used in the past have a calculation function that simply divides the total amount by the number of people to pay. It was merely to implement a function that sends or sends the account number of the person who provided or paid. These functions can be implemented by simply interlocking with the basic functions of a mobile terminal such as a calculator and a text message function. As a result, in order to make a payment at the time of payment, each amount is paid to the payment terminal (for example, a POS terminal) several times. There was an inconvenience of having to enter and make a payment through their respective terminals (or cards).
SUMMARY OF THE INVENTION The present invention has been made in view of the above-described problems of the prior art, and transmits and receives information necessary for payment between a plurality of portable terminals using near field communication, for example, near field communication (NFC), and is a representative of the plurality of portable terminals. Even if only one payment is made using the mobile terminal to be paid, the object of the present invention is to implement the same payment function.
Another object of the present invention, even if the payment terminal is a one-time payment to the payment terminal using a portable terminal implemented a Dutch pay function between a plurality of mobile terminals, the payment terminal receives a plurality of card information and a plurality of payment information through the payment agent server By transmitting each to the payment server of each card company to make a transaction approval request and a transaction approval for each terminal.
According to a feature of the present invention, a portable terminal includes: a receiving unit for receiving other card information corresponding to the corresponding portable terminal from at least one other portable terminal; An information generator configured to generate payment request information using the received at least one other card information and previously stored user card information; And a transmission unit for transmitting the generated payment request information to a payment terminal.
According to another feature of the invention, the payment terminal, the receiving unit for receiving payment request information including a plurality of card information from the portable terminal; A full text generation unit generating a full text of an approval request for a transaction approval request by using the payment request information; And a transmission unit for transmitting the generated approval request text to a payment agency server.
According to another feature of the present invention, the payment agent server includes a receiving unit for receiving a full text of the authorization request from the payment terminal including a plurality of card information and payment amount information; A full text generator configured to read the full text of the approval request and generate a plurality of full texts of the request for approval including card information and payment amount information; And it may include a transmission unit for transmitting the generated full authorization request for each card to each card company server.
According to another aspect of the present invention, there is provided a payment method of a mobile phone, including: receiving, by a mobile terminal, other card information corresponding to the other mobile terminal from at least one other mobile terminal; Generating payment request information using the received at least one other card information and previously stored user card information; And transmitting the generated payment request information to a payment terminal.
In accordance with still another aspect of the present invention, a payment method of a payment terminal includes: receiving, by a payment terminal, payment request information including a plurality of card information from a portable terminal; Generating a full approval request for a transaction approval request using the payment request information; And transmitting the generated authorization request message to a payment agent server.
In accordance with still another aspect of the present invention, a payment agent method includes: receiving, by a payment agent server, an authorization request message including a plurality of card information and payment amount information from a payment terminal; Reading the authorization request message to generate a plurality of card-specific authorization request messages including card information and payment amount information; And transmitting a plurality of credit request information for each card to each card company server may include.
According to the present invention, users who want Dutch pay in merchants can add convenience at the time of payment, and even in the point of view of merchants, it is possible to divide payment for the total payment amount by only one payment without having to divide payments several times. It is effective in saving payment time and convenience.
In addition, by using a portable terminal and a payment terminal capable of implementing the Dutch pay function according to the present invention, it provides an improved function than the Dutch pay application linked with the existing simple calculation function and SMS function, and transmits data using near field communication. It is possible to implement an advanced payment system using payment.
1 is a block diagram schematically illustrating a relationship between terminals implementing a Dutch pay payment function according to an embodiment of the present invention.
2 is a block diagram illustrating in more detail the components of a portable terminal, a payment terminal, and a payment agent server according to an embodiment of the present invention.
Figure 3 illustrates a Dutch pay payment method according to an embodiment of the present invention.
Like reference symbols in the various drawings indicate like elements.
In the present specification, the plurality of terminals 110 to 150 and the portable terminal 160 may be, for example, a smartphone equipped with hardware and software capable of short-range wireless communication and storing card information capable of mobile payment. A smart phone is a mobile communication terminal that combines the powerful performance of a computer and mobility by a network function, and the description of the present invention focuses on the case where the plurality of terminals 110 to 150 and the mobile terminal 160 are smartphones. Embodiments will be described.
For reference, an application that can be installed and driven in such a smartphone is a kind of software operating on an operating system (OS), and refers to a program designed to directly perform a specific function for a user or another application. In the computer-readable recording medium, application data, system data, and the like are recorded and stored in a predetermined programming language (for example, C language or JAVA). Application data refers to data having a program function implemented so as to enable interaction with a user, and system data refers to data including application management information and the like. Information for implementing other additional functions may be stored on the record carrier.
1 is a block diagram schematically illustrating a relationship between terminals implementing a Dutch pay payment function according to an embodiment of the present invention. The Dutch pay payment system shown in FIG. 1 includes a plurality of terminals 110 to 150 to make a Dutch pay payment, a mobile terminal 160 to perform an actual payment, a payment terminal 170 installed on a merchant to perform a payment, and a card. It includes a payment agent server 180 for delivering card transaction information using a Value Added Network (VAN) and payment servers 190 to 200 of a plurality of card companies.
First, an application having a Dutch pay function may be installed and executed on the plurality of terminals 110 to 150 and the portable terminal 160, and may be implemented to transmit and receive card information between terminals through short-range wireless communication. In addition, in order to execute the Dutch Pay function between the plurality of terminals 110 to 150 and the portable terminal 160, the portable terminal 160 to actually perform payment must be selected. The selected mobile terminal 160 may collect and store card information of the first terminal 110 to the N-th terminal 150 through an application, for example. In addition, the selected mobile terminal 160 generates payment request information using user card information previously stored in its memory and other card information received from at least one of the other terminals 110 to 150, and the payment terminal ( 170).
As another embodiment of the present invention, the mobile terminal 160 may receive not only card information but also payment amount information to be paid using the card information from the at least one terminal 110 to 150. The mobile terminal 160 may generate payment request information using user card information, one or more other card information received from another terminal, and payment amount information, and transmit the generated payment request information to the payment terminal 170. . In one embodiment, the payment request information may include card information and payment amount information, and each card information and corresponding payment amount information may be generated in a one-to-one correspondence. In another embodiment, the card information and the total payment amount information may be generated. It may be generated to include.
The mobile terminal 160 may perform payment with the payment terminal 170 using previously stored user card information and other card information received from other mobile terminals 110 to 150. At this time, although only one payment is made between the mobile terminal 160 and the payment terminal 170, payment request information including a plurality of card information (other card information corresponding to another mobile terminal and user card information stored in advance). May be transmitted to the payment terminal 170.
In addition, the mobile terminal 160 may include an input unit (not shown) that receives payment amount information corresponding to the plurality of card information when generating the payment request information. In this case, the mobile terminal 160 may generate payment request information including payment information, as well as a plurality of card information, and transmit the generated payment request information to the payment terminal 170.
Here, the payment amount information may be total payment amount information for payment using the plurality of card information or individual payment amount information to be paid for each card.
The payment terminal 170 is, for example, a terminal that combines the functions of a cash register and a computer terminal, and is a POS (Point of Sales) terminal that collects and processes various information and data necessary for retail management as well as calculating a sales amount. In addition, the payment terminal 170 is a terminal for storing data such as a brand name or price at the time of sale by attaching a card payment device to a personal computer (PC), or includes a terminal for making a payment such as a CAT (Credit Authorization Terminal) do.
The payment terminal 170 according to an embodiment of the present invention receives payment request information including the user card information and the at least one other card information from the mobile terminal 160 by using short-range wireless communication or the like to make a payment. Can be done. As another embodiment, the card information may be implemented to read the card information using a scanner, a barcode reader, etc. of the payment terminal 170 by implementing a mobile card or the like stored in the mobile terminal 160 in a form such as a barcode or a QR code. It may be.
The payment terminal 170 may perform payment in the same manner as general payment, but may receive payment request information including a plurality of card information from the mobile terminal 160. For example, the payment terminal 170 may include a 'Dutch pay mode', and in the Dutch pay mode, may generate a full transaction approval request for payment request information including a plurality of received card information. In addition, the payment terminal 170 may further receive payment amount information, where the payment amount information may be total payment amount information or individual payment amount information to be paid for each card.
The payment terminal 170 may generate one full authorization request message using payment request information including the plurality of card information, and transmit it to the payment agency server 180.
The payment agent server 180 functions to help the transmission and reception of transaction approval information between the payment terminal 170 and the card company payment servers 190 to 200 used in the affiliated store. In one embodiment of the present invention, in particular, the payment terminal ( It transmits the authorization request message received from 170 to the payment server of each card company.
The payment agent server 180 according to an embodiment of the present invention reads the approval request text received from the payment terminal 170 and generates a plurality of card-specific approval request texts by corresponding card company payment servers 190 to 200. Each can be passed
The payment servers 190 to 200 of the card company may receive the full approval request from the payment agent server 180 and then notify the plurality of terminals 110 to 150 and 160 of the approval result of the payment, respectively. In addition, the approval result of the payment may be transmitted to the payment terminal 170 or the plurality of terminals (110 to 150, 160) through the payment agent server 180. If all of the plurality of payment request information requested by the mobile terminal 160 can be paid, the approval result may be received by the payment terminal 170, or the payment is successfully transmitted to the plurality of terminals 110 to 150 and the mobile terminal 160. A message may be sent, or a partial approval message may be sent if some payment is not approved.
For example, when the partial approval is made, the partial payment is notified to the payment terminal 170, and the payment information that has been approved and the payment information that has failed the approval may be displayed. As another example, when partial approval is made, the corresponding terminals 110 to 150 and 160 may send a re-authorization request or a new payment request through the payment terminal 170 only for payment information that fails to be approved.
2 is a block diagram illustrating in more detail the components of the mobile terminal 160, the payment terminal 170 and the payment agent server 180 having the Dutch pay function according to an embodiment of the present invention. The mobile terminal 160 according to an embodiment of the present invention may include a receiver 164, an information generator 166, and a transmitter 168. The payment terminal 170 may include a receiver 172, a professional generator 174, and a transmitter 176. The payment agent server 180 may also include a receiver 182, a professional generator 184, and It may include a transmitter 186.
In addition, those skilled in the art can easily understand that it may include a control unit, communication unit, input and output unit for executing a general portable terminal, payment terminal and payment agent server, the detailed description of the functions are omitted herein do.
The mobile terminal 160 may previously store user card information to be paid by the corresponding terminal, that is, the mobile terminal 160, in a memory unit (not shown). The pre-stored user card information may be information in the form of a mobile card, or may be implemented to store several pieces of card information and select a card to be settled. In this case, the card information may include a card number as an embodiment, and may further include personal identification information such as a PIN number.
The receiver 164 of the portable terminal 160 may receive other card information from at least one other terminal 110 to 150. Receiving other card information may be implemented in the form of, for example, short-range wireless communication or scan recognition using a camera. In one embodiment, the receiving unit 164 of the mobile terminal 160 may receive individual payment amount information corresponding to other card information from at least one other terminal (110 to 150), the individual payment amount for each card The plurality of other terminals 110 to 150 may be directly input and received by the mobile terminal 160. In addition, the receiver 164 may also receive terminal identification information such as a terminal number.
As an example, the mobile terminal 160 may further include an input unit (not shown) that receives payment amount information to be paid by the at least one other terminal 110 to 150. When the portable terminal 160 inputs payment amount information corresponding to user card information and other card information, respectively, the input unit may acquire the input payment amount information. When the payment amount information is input, the information generation unit 166 may generate payment request information including payment amount information corresponding to user card information and other card information, respectively.
In another embodiment, the payment amount information input through the input unit may be total payment amount information for payment using the user card information and other card information. In this case, the information generation unit 166 of the mobile terminal 160 may generate payment request information including an individual payment amount calculated by dividing the total payment amount by the number of card information to be paid. Here, the individual payment amount may be set to be calculated by dividing the total payment amount evenly by the number of card information to be settled, or may be set to be calculated according to a specified ratio by designating a different ratio for each card.
The information generating unit 166 of the portable terminal 160 may generate payment request information using user card information stored in a memory and other card information received by the receiving unit 164. When payment amount information is received from other portable terminals 110 to 150 or input by an input unit, the information generator 166 may generate payment request information including the payment amount information. In addition, when generating the payment request information, the information generating unit 166 of the portable terminal 160 may further generate a terminal identification number such as the corresponding other terminal number that transmitted the other card information.
The transmitter 168 of the portable terminal 160 may transmit the generated payment request information to the payment terminal 170, and may be transmitted through a short range wireless communication scheme as an embodiment.
The receiver 172 of the payment terminal 170 may receive payment request information transmitted by the mobile terminal 160. As described above, in one embodiment, the payment request information may include user card information and at least one other card information, and add payment amount information (total payment amount or individual payment amount) corresponding to each card information. It can be included as. In another embodiment, the payment request information may include an identification number of the terminal such as a terminal PIN number and a telephone number, and may include card identification other than the terminal number and personal identification information of the terminal user. As another embodiment, the receiver 172 may receive only user card information and at least one other card information, and may not receive payment amount information from the mobile terminal 160.
The receiver 172 may receive payment request information including user card information, at least one other card information, payment amount information, and / or a terminal number from the portable terminal 160. However, in another embodiment, the receiving unit 172 may receive user card information, at least one other card information, payment amount information, and / or terminal number, respectively, and use the same to generate an authorization request text.
As an embodiment, when the receiver 172 receives only user card information and at least one other card information, the receiver 172 may further include an input unit (not shown) for inputting payment amount information from the payment terminal 170. The input payment amount information may be total payment amount information or individual payment amount information for each card, and in the case of total payment amount information, the payment terminal 170 may calculate an individual payment amount for each card using the received card information. . For example, the total payment amount may be equally divided by the number of received card information or divided by a specified ratio to calculate individual payment amount information corresponding to each card information. The calculated payment amount information may be used by the full text generation unit 174 when generating the approval request full text.
Furthermore, when the payment terminal 170 generates payment amount information, the payment terminal 170 generates the generated payment amount information (eg, an equal distribution amount or a divided amount according to a specified ratio) of the plurality of mobile terminals 110. To 150 and 160, and may receive confirmation of payment amount information from the plurality of portable terminals 110 to 150 and 160. According to an embodiment, after confirming the payment amount information, an approval request message may be generated, and in another embodiment, after generation of an approval request message including card information and payment amount information, a plurality of mobile terminals 110 to 150 may be generated. 160 may be implemented to receive the content confirmation.
In another embodiment, when the payment terminal 170 receives only the card information and the total payment amount information from the mobile terminal 160, the payment terminal 170 equalizes or specifies the total payment amount information by the number of the card information. By dividing and assigning, it is possible to generate an individual payment amount for each card information, and to generate an authorization request text including individual payment amount information and card information. As another embodiment, when the payment terminal 170 receives card information and individual payment amount information for each card from the mobile terminal 160, the payment terminal 170 receives the card information and individual payment amount for each card. The full text of the approval request can be generated.
The full text generation unit 174 may generate a full text of an approval request for transmitting a transaction approval request using the received payment request information. The full text generation unit 174 includes a plurality of card information (other card information corresponding to another mobile terminal and user card information stored in advance) and payment amount information to be settled using the plurality of card information. Create a full approval request. The transmitter 176 may transmit the generated approval request text to the payment agent server 180.
The payment terminal 170 may further include a control unit (not shown) for determining whether the sum of the plurality of payment amounts and the amount to be paid are coincident with each other, and then transmitting a preamble authorization message if there is a match.
The receiving unit 182 of the payment agent server 180 may receive the full request for approval sent by the payment terminal 170. The authorization request message may include a plurality of card information (user card information and at least one other card information), and may include payment amount information corresponding to each of the plurality of card information.
In an embodiment, the full text generation unit 184 of the payment agent server 180 may read the received full text of a request for approval and divide the received request text into a plurality of approval request texts for each card. For example, one authorization request message may be received and read, and divided into a plurality of card-specific authorization request messages according to a plurality of card information included in the authorization request message.
The transmission unit 186 may transmit a plurality of card-specific authorization request messages to each card company payment server 190 to 200. Thereafter, the payment approval result may be received by the reception unit 182 from the card company payment servers 190 to 200, and the payment approval result received by the transmission unit 186 may be transmitted to the payment terminal 170. At this time, the approval result may include partial approval indicating that the approval is successful for only some of the requested approval request texts.
Figure 3 illustrates a Dutch pay payment method according to an embodiment of the present invention. Here, the Dutch pay payment method shown in FIG. 3 will be described with reference to the components shown in FIGS. 1 and 2.
First, the mobile terminal 160 may receive at least one other card information from the plurality of terminals 110 to 150 (S301). In this case, the mobile terminal 160 may additionally receive payment amount information, a terminal number, etc. in addition to at least one other card information. Receiving information may use, for example, near field communication.
Before or after receiving the other card information or the like from the plurality of terminals 110 to 150, the mobile terminal 160 may retrieve user card information previously stored in the memory of the mobile terminal 160. The mobile terminal 160 may generate payment request information including at least one other card information and user card information received from the plurality of terminals 110 to 150. In addition, the portable terminal 160 may generate payment request information further including at least one of the user card information, payment amount information received in addition to at least one other card information, and a terminal number (S302). .
In another embodiment, when generating payment request information, payment amount information corresponding to each card information may be received and used together when receiving other card information from a plurality of other terminals, and may be directly input to the portable terminal 160 (not shown). Can be implemented as an input. When payment amount information corresponding to user card information and other card information, respectively, is input through the input unit of the portable terminal 160, the information generator 166 corresponds to user card information and other card information, respectively. Payment request information including payment amount information may be generated. Here, the payment amount information may be total payment amount information or individual payment amount information.
When the payment amount information received or input by the mobile terminal 160 is a total payment amount, as an embodiment, an individual payment amount is calculated using the total payment amount and the number of card information for paying the total payment amount. And, it is possible to generate a single request for approval including the calculated individual payment amount and the plurality of card information. Here, the individual payment amount may be set to be calculated by dividing the total payment amount evenly by the number of card information to be settled, or may be set to be calculated according to a specified ratio by designating a different ratio for each card.
The payment terminal 170 may receive payment request information from the mobile terminal 160 (S303). As described above, as an embodiment, the payment request information received by the payment terminal 170 may include only user card information and at least one other card information and may not include payment amount information. In another embodiment, the payment request information may include user card information and at least one other card information, and may further include payment amount information (total payment amount or individual payment amount) corresponding to each card information. have. As another embodiment, the payment request information may further include an identification number of the terminal, such as a terminal PIN number and a telephone number, and may include personal identification information for the card user other than the terminal number and the terminal user.
In addition, the payment terminal 170 may receive user card information, at least one other card information, payment amount information, and / or terminal number, respectively, instead of payment request information from the mobile terminal 160, and use the generated payment request message. have.
As an embodiment, when the payment terminal 170 receives only user card information and at least one other card information, the payment terminal 170 may further include an input unit (not shown) for inputting payment amount information. . The input payment amount information may be total payment amount information or individual payment amount information for each card, and in the case of total payment amount information, the payment terminal 170 may calculate an individual payment amount for each card using the received card information. . For example, the total payment amount may be equally divided by the number of received card information or divided by a specified ratio to calculate individual payment amount information corresponding to each card information. The calculated payment amount information may be used by the full text generation unit 174 when generating the approval request full text.
In another embodiment, when the payment terminal 170 receives the card information and the total payment amount information from the mobile terminal 160, the payment terminal 170 equals or specifies the total payment amount information by the number of the card information. By dividing and assigning, it is possible to generate an individual payment amount for each card information, and to generate an authorization request text including individual payment amount information and card information. As another embodiment, when the payment terminal 170 receives the card information and the individual payment amount information for each card from the mobile terminal 160, the payment terminal 170 may generate an authorization request message including the card information and the individual payment amount for each card. Can be.
In addition, the payment terminal 170 determines whether the total sum of the payment amount information included in the payment request information and the amount to be paid, and if the match, instructing the transmission unit to transmit the full text of the request for approval It may include.
After receiving the payment request information, the payment terminal 170 may generate and transmit the approval request text to transmit the payment request to the payment agency server 180 (S304). The authorization request message is generated as a single authorization request message including a plurality of card information (other card information corresponding to another mobile terminal and pre-stored user card information) and payment amount information to be paid using the plurality of card information. The transmission unit 176 may transmit the generated approval request message to the payment agent server 180.
The payment agent server 180 may receive an approval request message from the payment terminal 170 (S305), and read and receive the received approval request message to generate and transmit a plurality of card-specific approval request messages (S306). As described above, one authorization request message may be divided and transmitted for each card. The generated full authorization request for each card is transmitted according to the card company, and if the transaction approval is determined, the approval result may be transmitted to the payment terminal via the payment agent server again. That is, the payment agent server may receive the approval result for the entire authorization request for each of the cards from each card company server, and transmit the approval result to the payment terminal. The approval result includes partial approval for some of the plurality of card-specific authorization request full texts.
Through the implementation of Dutch pay using the mobile terminal 160, users who want Dutch pay in the merchant can add convenience at the time of payment, and the merchant pays only one payment without having to divide the payment several times. It is possible to save payment time and convenience in that the payment can be divided for the payment amount.
However, in the implementation of the financial service-related technology, since security of card payment information and personal information is required, the transmission and reception data described through the above embodiments may be implemented to be transmitted and received in an encrypted form for security, and additional authentication Through the steps, upon successful authentication, the card information and the data information may be transmitted to the specific terminal. In addition, after the payment is completed or after a certain time, it is possible to implement the credit information for the personal information, such as card information, personal information, etc. for the other terminals that have been transmitted to the mobile terminal 160 can be promoted.
The present invention has been described in detail only with respect to the above specific examples for ease of understanding, and thus the components, their connections and relationships, and their functions shown herein are meant to be illustrative only. In the present invention, the terminals 110 to 150 and 160 may be implemented with various types of mobile devices or computing devices. In addition, in the present specification, the components included in the mobile terminal 160, the payment terminal 170, and the payment agent server 180 are implemented as physically integrated, but each component is physically separated or one as necessary. The above components may be implemented in an integrated form.
It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the inventions. It is clear to those who have knowledge of. Therefore, such modifications or variations will have to be belong to the scope of the invention described in the claims of the present invention.
110 to 150: other portable terminal
160: mobile terminal
170: payment terminal
180: payment agency server
190 to 200: card company payment server

Claims (30)

  1. A receiver configured to receive other card information corresponding to the other portable terminal from at least one other portable terminal;
    An information generator configured to generate payment request information using the received at least one other card information and previously stored user card information; And
    A mobile terminal comprising a transmission unit for transmitting the generated payment request information to a payment terminal.
  2. The method of claim 1,
    The mobile terminal further comprises an input unit for receiving payment amount information for payment using the user card information and the other card information.
  3. The method of claim 2, wherein the information generating unit
    When a total payment amount is input through the input unit, a payment including an individual payment amount calculated using the total payment amount and the number of card information to pay the total payment amount, and the user card information and the other card information And a portable terminal for generating request information.
  4. The method of claim 1, wherein the receiving unit
    And receiving at least one of individual payment amount information for payment using the other card information and the corresponding other mobile terminal number from the at least one other portable terminal.
  5. The method of claim 4, wherein the information generating unit
    And generating payment request information including payment amount information for payment using the user card information and the user card information, and other card information and the individual payment amount information.
  6. The method of claim 5, wherein the information generating unit
    When generating the payment request information, the mobile terminal further comprises a number of the other mobile terminal to which the other card information is transmitted.
  7. A receiving unit for receiving payment request information including a plurality of card information from the portable terminal;
    A full text generation unit generating a full text of an approval request for a transaction approval request by using the payment request information; And
    Payment terminal comprising a transmission unit for transmitting the generated approval request full text to the payment agent server.
  8. The method of claim 7, wherein
    The full text generation unit generates a single approval request full text using the payment request information.
  9. The method of claim 7, wherein
    The payment request information further comprises payment amount information for payment using the plurality of card information.
  10. The method of claim 7, wherein
    The payment terminal further comprises an input unit for receiving payment amount information for payment using the plurality of card information.
  11. 11. The method according to claim 9 or 10,
    When the payment amount information is the total payment amount, the full text generation unit includes the individual payment amount calculated using the total payment amount and the number of card information for payment of the total payment amount, and the plurality of card information. The payment terminal, characterized in that for generating a full request for approval.
  12. 11. The method according to claim 9 or 10,
    And a control unit which determines whether the total sum amount of the payment amount information and the amount to be settled coincide, and instructs the transmitting unit to transmit the full text of the request for approval if there is a match.
  13. Receiving unit for receiving the full text of the authorization request from the payment terminal including a plurality of card information and payment amount information;
    A full text generator configured to read the full text of the approval request and generate a plurality of full texts of the request for approval including card information and payment amount information; And
    Payment agency server comprising a transmission unit for transmitting the full number of authorization request for each card to each card company server.
  14. The method of claim 13,
    The receiving unit receives the approval result for the plurality of card-specific authorization request from each card company server,
    The payment agent server, characterized in that for transmitting the approval result to the payment terminal.
  15. 15. The method of claim 14,
    The approval result is a billing agent server, characterized in that it includes a partial approval for some of the full number of card-specific authorization request full text.
  16. Receiving, by the mobile terminal, other card information corresponding to the other mobile terminal from at least one other mobile terminal;
    Generating payment request information using the received at least one other card information and previously stored user card information; And
    And transmitting the generated payment request information to a payment terminal.
  17. 17. The method of claim 16,
    And an input step of receiving payment amount information for payment using the user card information and the other card information.
  18. 18. The method of claim 17, wherein generating the payment request information
    When the total payment amount is input in the input step, a payment including the individual payment amount calculated using the total payment amount and the number of card information to pay the total payment amount, and the user card information and the other card information. Payment method, characterized in that for generating the request information.
  19. 18. The method of claim 16 or 17, wherein receiving the other card information comprises:
    And receiving at least one of individual payment amount information for payment using the other card information and the corresponding other mobile terminal number from the at least one other portable terminal.
  20. The method of claim 19, wherein generating the payment request information
    And generating payment request information including payment amount information for payment using the user card information and the user card information, the other guard information, and the individual payment amount information.
  21. 21. The method of claim 20, wherein generating the payment request information
    When generating the payment request information, the payment method characterized in that it further comprises the number of the other mobile terminal that transmitted the other card information.
  22. Receiving, by the payment terminal, payment request information including a plurality of card information from the mobile terminal;
    Generating a full approval request for a transaction approval request using the payment request information; And
    The payment method comprising the step of transmitting the generated authorization request text to the payment agent server.
  23. The method of claim 22, wherein generating the full approval request is
    The payment method, characterized in that for generating one full approval request using the payment request information.
  24. The method of claim 22,
    The payment request information further comprises payment amount information for payment using the plurality of card information.
  25. The method of claim 22,
    And a payment step of receiving payment amount information for payment using the plurality of card information.
  26. 26. The method of claim 24 or 25, wherein generating the full authorization request is
    When the payment amount information is a total payment amount, an individual payment amount calculated by using the total payment amount and the number of card information for payment of the total payment amount and a full authorization request message including the plurality of card information Payment method, characterized in that the generation.
  27. 26. The method according to claim 24 or 25,
    And a control step of determining whether the total sum amount of the payment amount information and the amount to be paid are coincident, and instructing the transmission unit to transmit the full text of the request for approval if there is a match.
  28. Receiving, by the payment agent server, an authorization request message including a plurality of card information and payment amount information from a payment terminal;
    Reading the authorization request message to generate a plurality of card-specific authorization request messages including card information and payment amount information; And
    Payment agency method comprising the step of transmitting the full number of authorization request for each card to each card company server.
  29. 29. The method of claim 28,
    The receiving unit receives the approval result for the plurality of card-specific authorization request from each card company server,
    And the transmitting unit transmits the approval result to the payment terminal.
  30. 30. The method of claim 29,
    And the approval result includes partial approval of some of the plurality of card-specific authorization request full texts.
KR1020120003118A 2012-01-10 2012-01-10 Portable device, payment device, payment agency server having dutch pay function, and payment method and agency method for payment KR20130089896A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020120003118A KR20130089896A (en) 2012-01-10 2012-01-10 Portable device, payment device, payment agency server having dutch pay function, and payment method and agency method for payment

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020120003118A KR20130089896A (en) 2012-01-10 2012-01-10 Portable device, payment device, payment agency server having dutch pay function, and payment method and agency method for payment

Publications (1)

Publication Number Publication Date
KR20130089896A true KR20130089896A (en) 2013-08-13

Family

ID=49215647

Family Applications (1)

Application Number Title Priority Date Filing Date
KR1020120003118A KR20130089896A (en) 2012-01-10 2012-01-10 Portable device, payment device, payment agency server having dutch pay function, and payment method and agency method for payment

Country Status (1)

Country Link
KR (1) KR20130089896A (en)

Cited By (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20150080066A (en) * 2013-12-30 2015-07-09 (주)농협정보시스템 Dutch Pay System using a Mobile Card Settlement Application and Controlling Method for the Samee
WO2015141934A1 (en) * 2014-03-21 2015-09-24 에스케이플래닛 주식회사 Divided payment method, and device and system for same
KR20150125346A (en) * 2014-04-30 2015-11-09 주식회사 엘지유플러스 Apparatus and method for payment using plurality of nfc devices
KR101668459B1 (en) * 2015-09-07 2016-10-21 (주)모든솔루션 System for POS terminal pay with separation network
KR20170034731A (en) 2015-09-21 2017-03-29 에스케이플래닛 주식회사 User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon
KR20170034732A (en) 2015-09-21 2017-03-29 에스케이플래닛 주식회사 User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon
CN107251070A (en) * 2015-02-16 2017-10-13 Line株式会社 Information processing system and information processing method
WO2018101647A1 (en) * 2016-11-29 2018-06-07 삼성전자 주식회사 Mobile device and method for providing data for product payment
WO2018190652A1 (en) * 2017-04-12 2018-10-18 주식회사 하렉스인포텍 Bill splitting system
KR20190016999A (en) * 2019-02-08 2019-02-19 주식회사 하렉스인포텍 System for dutch pay
KR102022536B1 (en) 2018-12-04 2019-09-18 김병곤 System and Method for Processing Dutch pay using User Terminal installed Dutch pay Application

Cited By (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20150080066A (en) * 2013-12-30 2015-07-09 (주)농협정보시스템 Dutch Pay System using a Mobile Card Settlement Application and Controlling Method for the Samee
WO2015141934A1 (en) * 2014-03-21 2015-09-24 에스케이플래닛 주식회사 Divided payment method, and device and system for same
CN105637546A (en) * 2014-03-21 2016-06-01 Sk普兰尼特有限公司 Divided payment method, and device and system for same
KR20150125346A (en) * 2014-04-30 2015-11-09 주식회사 엘지유플러스 Apparatus and method for payment using plurality of nfc devices
CN107251070A (en) * 2015-02-16 2017-10-13 Line株式会社 Information processing system and information processing method
KR101668459B1 (en) * 2015-09-07 2016-10-21 (주)모든솔루션 System for POS terminal pay with separation network
KR20170034731A (en) 2015-09-21 2017-03-29 에스케이플래닛 주식회사 User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon
KR20170034732A (en) 2015-09-21 2017-03-29 에스케이플래닛 주식회사 User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon
WO2018101647A1 (en) * 2016-11-29 2018-06-07 삼성전자 주식회사 Mobile device and method for providing data for product payment
WO2018190652A1 (en) * 2017-04-12 2018-10-18 주식회사 하렉스인포텍 Bill splitting system
KR20180115112A (en) * 2017-04-12 2018-10-22 주식회사 하렉스인포텍 System for dutch pay
KR102022536B1 (en) 2018-12-04 2019-09-18 김병곤 System and Method for Processing Dutch pay using User Terminal installed Dutch pay Application
KR20190016999A (en) * 2019-02-08 2019-02-19 주식회사 하렉스인포텍 System for dutch pay

Similar Documents

Publication Publication Date Title
US20180114260A1 (en) System, method, apparatus and computer program product for interfacing a multi-card radio frequency (rf) device with a mobile communications device
KR20130089896A (en) Portable device, payment device, payment agency server having dutch pay function, and payment method and agency method for payment
US20200051073A1 (en) System and method for enhanced token-based payments
US20160335623A1 (en) Reverse Payment Flow
US8831981B2 (en) Electronic transaction record distribution system
US9307341B2 (en) Payment application download to mobile phone and phone personalization
US7909243B2 (en) System and method for completing a secure financial transaction using a wireless communications device
EP2725537A1 (en) System for performing payment in mobile terminal
US20130060701A1 (en) Electronic payment service method, and electronic payment service apparatus, mobile communication terminal, and transaction terminal for performing the method
KR101389468B1 (en) Method for issuing mobile credit card in portable terminal using credit card and credit card for the same
US20140095384A1 (en) Systems and Methods For In Store Shopping With Instant Cash
CA2934342A1 (en) A system and method for enhanced token-based payments
US20170178097A1 (en) Methods and systems for making a payment
KR20150069237A (en) Payment method and system using dynamic NFC tag
US10552919B2 (en) Conducting various actions indicated by a financial card
EP2870574A1 (en) Electronic transaction record distribution system
US20170323287A1 (en) System and method for providing payment service
KR20130141242A (en) System for payment of off-line, method for payment off-line and apparatus in the system
KR20120088015A (en) System and Method for Usage Point using Settlement Terminal, Settlement Terminal and Recording Medium
KR20180025305A (en) Payment system, method and payment service server using single card
KR20140017273A (en) Method and system of payment using a mobile terminal
KR20180024596A (en) Payment system, method and payment service server using single card
KR20120094768A (en) System and method for issuing cash receipt using mobile apparatus
KR20150053855A (en) Recording Medium, Server Device and Method for Providing Card-related Information
KR20190103113A (en) Financial transaction method of mobile equipment, apparatus thereof, and medium storing program source thereof

Legal Events

Date Code Title Description
A201 Request for examination
E902 Notification of reason for refusal
E601 Decision to refuse application