KR20140066354A - Mobile payment system and method by dutch treat - Google Patents

Mobile payment system and method by dutch treat Download PDF

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Publication number
KR20140066354A
KR20140066354A KR1020120133476A KR20120133476A KR20140066354A KR 20140066354 A KR20140066354 A KR 20140066354A KR 1020120133476 A KR1020120133476 A KR 1020120133476A KR 20120133476 A KR20120133476 A KR 20120133476A KR 20140066354 A KR20140066354 A KR 20140066354A
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KR
South Korea
Prior art keywords
payment
user terminal
terminal
user
settlement
Prior art date
Application number
KR1020120133476A
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Korean (ko)
Inventor
김성우
Original Assignee
인크로스 주식회사
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Publication date
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Priority to KR1020120133476A priority Critical patent/KR20140066354A/en
Publication of KR20140066354A publication Critical patent/KR20140066354A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—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
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Abstract

The payment method for cost sharing according to the present invention is characterized in that in a user group including a merchant as a representative of a user and a first user for payment and a remaining second user to transfer to a first user, Transmitting transfer completion information to request transfer of money; And transmitting the transfer confirmation information to the second terminal by the payment server; The terminal of the merchant requesting payment to the payment server; The payment server receiving the payment request transmits the payment initiation information to the first terminal of the first user; The first terminal of the first user having received the payment initiation information transmits the payment completion information to the payment server; And transmitting, by the payment server, the payment confirmation information to the first terminal of the first user; Further comprising a payment step including a payment step before or after the transfer step.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a mobile payment system and method for cost sharing,

The present invention relates to a mobile payment method and system that implements cost sharing, i.e., a Dutch pay (self-paying) method.

The existing form of payment is a structure in which there are a consumer who wants to make a payment, a card merchant, a credit card company used as a payment tool, and a VAN company acting as a payment agent. However, the disadvantage of the above-mentioned payment method is that the value chain is complicated and a lot of unnecessary fees are charged accordingly.

2. Description of the Related Art [0002] With the recent rapid development of wireless communication technology, the functions of mobile communication terminals, which are mainly limited to voice calls, have also been diversified. For example, additional functions such as wireless Internet access, video message transmission, and music download are added. Due to diversification of functions of the mobile communication terminal, the mobile communication terminal is recognized as an important information device such as a personal network computer .

As such, many parts in everyday life are performed through the mobile communication terminal, and in particular, the electronic payment function using the mobile communication terminal is regarded as one of important additional functions of the terminal.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a billing system that eliminates the VAN between a user and an agent and simplifies a value chain by simplifying a cost structure, System, and method.

According to another aspect of the present invention, there is provided a mobile payment system for cost sharing, comprising: a user group including a first user who pays for a user representative and a remaining second user who transfers to a first user, A first terminal of a first user having an electronic settlement with a merchant terminal and having a virtual account, A second terminal of at least one of the second users for transferring to the first user; A terminal of a merchant that proceeds with settlement with the first user and has a virtual account; A payment server for relaying payment between the first terminal and the merchant terminal; A virtual account server managing a transfer service between the first user and the second user and a virtual account of the first and second users and merchants; Wherein when the payment server receives the payment completion information from the first user terminal, the payment server fetches the payment amount from the virtual account of the first user according to the received payment completion information and deposits the payment amount into the virtual account of the merchant .

According to an embodiment of the present invention, the first terminal may further include: a wireless communication unit for transmitting the payment request information to the payment server; A data storage unit for storing at least one application configured to process electronic payment in the user terminal; And a terminal control unit for controlling each unit so that electronic settlement by the application proceeds; .

According to an embodiment of the present invention, the second terminal further includes: a wireless communication unit that receives transfer start information from the payment server; A data storage unit for storing at least one application configured to process electronic payment in the user terminal; And a terminal control unit for controlling each unit so that electronic settlement by the application proceeds; .

According to an embodiment of the present invention, the payment server may include: a payment processing unit for fetching the payment amount from the virtual account and making a settlement; And a payment control unit for controlling the payment processing unit to transfer the payment amount to the account of the seller when the electronic settlement approval information is received from the user terminal; And the electronic settlement approval information received from the user terminal is a password.

According to an embodiment of the present invention, the virtual account server may include: a data communication unit receiving information necessary for generating the virtual account from the user terminal; A virtual account creation unit for confirming information received by the data communication unit and opening the virtual account under the user's name; And an account amount management unit for storing deposit and withdrawal details corresponding to transfer or settlement of the virtual account created in the virtual account creation unit; .

According to an aspect of the present invention, there is provided a mobile payment method for cost sharing, the mobile payment method including: a user group including a merchant as a user representative, a first user for payment and a second user for transfer to the first user, The second terminal of the second user transmits transfer completion information to the payment server and requests transfer of the transfer information; And transmitting the transfer confirmation information to the second terminal by the payment server; And a transfer step of transferring the image data.

According to another embodiment of the present invention, the terminal of the merchant requests payment to the payment server; The payment server receiving the payment request transmits the payment initiation information to the first terminal of the first user; The first terminal of the first user having received the payment initiation information transmits the payment completion information to the payment server; And transmitting, by the payment server, the payment confirmation information to the first terminal of the first user; The payment step further includes a payment step before or after the transfer step.

According to the present invention described above, cash settlement is replaced, and a dead-pay scheme of an electronic settlement method is implemented, so that it is possible to conveniently and promptly settle a settlement among a plurality of users.

FIG. 1 illustrates a configuration of a mobile settlement system for cost sharing according to the present invention.
2 illustrates a detailed configuration of a user terminal according to the present invention.
FIG. 3 shows a detailed configuration of an affiliate terminal according to the present invention.
4 illustrates a detailed configuration of a payment server according to the present invention.
5 shows a detailed configuration of a virtual account server according to the present invention.
FIG. 6 is a flowchart illustrating a transfer step among mobile payment methods for cost sharing according to the present invention.
FIG. 7 is a flowchart illustrating a settlement step in a mobile settlement method for cost sharing according to the present invention.

<Description of Configuration>

The mobile payment system 10 for cost sharing according to the present invention includes user terminals 110 and 120, an affiliate shop terminal 200, a payment server 300 and a virtual account server 400.

The user terminal includes a first user terminal 110 for making payments on behalf of a plurality of users and one or more second user terminals for transferring a payment amount divided into first user terminals in a form of remittance .

Each user and merchant has a virtual account assigned to the phone number of his terminal.

The user terminals 110 and 120 include a wireless communication unit 101, a terminal control unit 102, a data input unit 103 and a data storage unit 104 as an apparatus for processing electronic settlement. The wireless communication unit 101 preferably includes a local communication unit.

The short-range communication unit is a communication module provided for performing short-range wireless communication between the first user terminal, the second user terminal, and the merchant terminal. The local communication unit 110 may include at least one of a Bluetooth module, an ultra wide band module, an infrared data association module, and a Zigbee module, The present invention is not limited to the above-described embodiment.

The user terminals 110 and 120 are connected to the communication network provided for electronic commerce by using the wireless communication unit 101 to perform electronic settlement.

The wireless communication unit 101 is a wireless communication module that transmits transfer completion information or payment completion information to the payment server 300.

When a predetermined electronic payment application stored in the data storage unit 104 is executed by the user, the terminal control unit 102 controls the wireless communication unit 120 including the local communication unit between the user terminals. In addition, the controller of the first user terminal controls the wireless communication unit 120 to transmit and receive information necessary for the payment progress to the payment server 300. [

 The data input unit 103 is a module for inputting characters to the user terminal. As one embodiment, there are a keypad, a voice input unit, a built-in camera, and the like.

The data storage unit 104 stores at least one application configured to process an electronic settlement in the user terminal 100. In one embodiment, the data storage unit 104 may store various electronic payment applications.

In one embodiment, the user terminal 100 may be a cellular phone, a personal communication system (PCS), a personal data assistant (PDA), a fourth generation broadband system terminal, or the like. The mobile terminal is not limited to the above.

The merchant terminal 200 includes a settlement amount input unit 210, a wireless communication unit 220, and a control unit 230. Here, the settlement amount input unit 210 is an input device for inputting a settlement amount for a commodity. When an electronic payment request for purchase of goods is made from the user terminal 100 to the merchant terminal 200, the seller can input the payment amount of the merchandise through the payment amount input unit 210.

The wireless communication unit 220 is a wireless communication module that transmits the payment request information to the payment server 300.

The control unit 230 controls the wireless communication unit 220 to transmit the payment request information to the payment server 300 when the payment amount is input to the payment amount input unit 210. [

Receives the payment request information transmitted from the merchant terminal (200), and transmits the payment initiation information to the user terminal (100). When the user terminal 100 receives the settlement start information and transmits the settlement completion information, the settlement server 300 transmits the settlement confirmation information after receiving the settlement completion information. When the settlement server 300 receives the settlement completion information, the settlement server 300 withdraws the settlement amount from the virtual account according to the received settlement completion information, and pays the settlement amount in the form of remitting the money to the merchant terminal.

In one embodiment, the payment start information transmitted from the payment server 300 to the user terminal 100 includes information for guiding the payment of the goods to be purchased by the user terminal 100 and the password for electronic payment .

The payment server 300 includes a payment processor 310 and a payment controller 320. The payment processor 310 inquires of a virtual account linked with the user terminal 100, And electronic payment is completed by transferring the amount withdrawn to the seller's account.

The payment control unit 320 controls the payment processing unit 310 to transfer the payment amount to the account of the seller when the password, which is payment completion information, is received from the user terminal 100. [

The virtual account server 400 generates a virtual account for use in electronic settlement of the user terminal 100 and manages deposit and withdrawal of the amount of money stored in the virtual account. The virtual account server 400 includes a data communication unit 410, a virtual account creation unit 420, and an account amount management unit 430.

When the virtual account server 400 requests the user terminal 100 or the communication company server to which the user subscribes the information necessary for creating the virtual account, the data communication unit 410 receives the requested information.

For example, the data communication unit 410 receives and receives personal information such as a phone number of a portable terminal, a resident registration number of a user, a residence address, etc. of the user with the user terminal 100 or a communication company server, As shown in FIG.

The virtual account creator 420 confirms the personal information received by the data communication unit 510 and opens a virtual account of the user's name based on the personal information.

The account amount management unit 430 stores the deposit and withdrawal history of the virtual account and the virtual account information generated by the virtual account creation unit 420. At this time, the user can access the virtual account server 400 through the user terminal 100 and check the deposit and withdrawal details stored in the account amount management part 430. [

<Description of Method>

The mobile payment method according to the present invention will be described with reference to the flow charts shown in Figs. 6 and 7, and will be described with reference to the drawings shown in Figs. 1 to 5 for convenience.

A. Transfer step

A-1. Transfer request step < S501 >

A group of users who want to make a mobile settlement for cost sharing consists of a first user to settle on behalf of the users and at least one or more second users who want to transfer the divided money to the first user in the form of a transfer.

A payment application for cost sharing installed in the first user terminal and the second user terminal is executed.

If the user does not have a virtual account, the virtual account creation unit 520 of the virtual account server 400 creates a virtual account.

The second user terminal transmits the transfer request information to the payment server through the executed payment application to request the transfer. In the case where the first user requests the second user to request the transfer, the second user can request the payment server. If the first user and the second user are determined to be executed by the payment application, You can request a transfer to the server.

When the first user requests the transfer to the second user, the first terminal of the first user may request the transfer by shaking the first terminal using the short distance communication.

The second user may also request the transfer by shaking the terminal of the second user. The transfer completion information is transmitted to the payment server by the action of shaking the terminal. The transfer complete information is preferably a telephone number of the first user assigned to the virtual account of the first user to be deposited, a transfer amount, and a telephone number of the second user specified in the virtual account of the second user to be withdrawn.

As one embodiment of the present invention, the payment application installed in the first user terminal and the second user terminal is driven and the "Dutch payment" method is selected in the payment selection menu. When the menu of the Dutch method is selected, the Bluetooth module, which is a short distance communication module in the wireless communication unit of the user terminal, is operated and a first user to be paid as a representative can be designated by the user terminal. do. The information on the payment amount, that is, the information indicating the amount and the purchase list, is received from the merchant terminal through the short distance communication, and the settlement amount can be allocated to each user to perform the settlement. In this case, the second user terminal transmits transfer completion information to the virtual account server.

A-2. Transfer confirmation information transmission step < S502 >

The payment server receiving the transfer completion information transmits transfer confirmation information indicating that the transfer is completed to the second user terminal when the password inputted by the second user is reasonable. It is also preferable that transfer confirmation information indicating that the transfer is completed is transmitted to the first user terminal.

B. Payment Steps

This payment step may proceed before the transfer step, or may proceed later. Alternatively, as one embodiment of the present invention, it is possible to integrate and integrate into one step using a payment application. That is, the settlement with the first user terminal proceeds and the transfer proceeds with the second user terminal. Will be described with reference to FIG.

B-1. Step to request payment < S505 >

And the merchant terminal requests payment to the payment server. The merchant receives the payment amount through the input unit of the terminal using the merchant terminal. The merchant terminal transmits the input payment amount to the payment server.

B-2. Payment start information transmission step < S506 >

The payment server receiving the payment amount transmits the payment start information to the first user terminal. The payment start information preferably includes a display of the payment amount and a guideline for inputting the password of the first user.

B-3. Payment completion information transmission step < S507 >

The first user receiving the payment initiation information checks the details to be paid through the first user terminal, inputs the password, and transmits the payment completion information to the payment server. This completes the settlement.

B-4. Payment confirmation information transmission step < S508 >

Upon receipt of the payment completion information, the payment server transmits to the first user terminal a message to notify that payment has been normally performed when the password is valid.

An embodiment in which the transfer step and the settlement step are performed in one step will be described.

When the calculation is completed in the merchant terminal, information indicating the amount and the purchase list is transmitted to the plurality of user terminals using the short distance communication. A plurality of user terminals receiving the amount information may start a payment application or may automatically start a payment application. Even if the application is automatically started, there will be no problem in security if a password input step is provided.

When the payment application is activated, the wireless communication unit of each terminal of the user activates the short-range communication module to display a list of terminals located in the vicinity. Users select their terminals from the list, and distinguish between the first user and the second user.

An amount is inputted into the amount input field through the data input unit of the user terminal or the total amount is extracted from the information received from the merchant terminal so that the amount is automatically inputted.

In a partial payment amount column, you can automatically enter the amount corresponding to one nth of the total amount. As the other information to be input, the telephone number or the registration number of the merchant terminal should be input. Or if the amount information is received from the merchant terminal, the merchant information included in the amount information may be extracted and automatically input. The telephone number of the user terminal is automatically input in the step of designating the first user and the second user using the short-distance communication.

After the settlement information is inputted through the electronic payment application of the Dutch payment method in which the settlement and the transfer are mixed, the settlement can be proceeded by clicking the settlement icon. The subsequent steps are performed by the processor of the transfer and settlement phases of the present invention.

10: Mobile billing system for cost sharing
100: User terminal
110: first user terminal
120: a second user terminal
101:
102:
103: Data input unit
104: Data storage unit
200: Merchant terminal
210: Payment amount input unit
220:
230:
300: Payment Server
310:
320:
400: Virtual account server
410: Data communication section
420: virtual account creation unit
430: Account amount management part

Claims (7)

A first user terminal that receives a payment request from the merchant terminal and receives a split payment amount divided from the total payment amount from at least one second user terminal that is not a participant in settlement and makes payment with the merchant terminal, ;
The second user terminal for transferring the divided payment amount to the first user;
A terminal of a merchant having a virtual account and proceeding with the payment with the first user terminal;
A payment server for relaying payment between the first user terminal and the merchant terminal;
A virtual account server managing a transfer service between the first user terminal and the second user terminal and a virtual account of the first user terminal, the second user terminal and the merchant; Lt; / RTI &gt;
The settlement server, when receiving the settlement completion information from the first user terminal, fetches the settlement amount from the virtual account of the first user terminal according to the received settlement completion information and deposits the settlement amount into the virtual account of the merchant To
Mobile payment system for cost sharing. The method according to claim 1,
Wherein the first or second user terminal comprises:
A wireless communication unit for transmitting the payment request information to the payment server;
A data storage unit for storing at least one application configured to process the electronic settlement in the first or second user terminal; And
A terminal control unit for controlling each unit so that electronic settlement by the application proceeds; &Lt; RTI ID = 0.0 &gt;
Mobile payment system for cost sharing. The method according to claim 1,
Wherein the second user terminal comprises:
A wireless communication unit for receiving transfer start information from the payment server;
A data storage unit for storing at least one application configured to process electronic payment in the user terminal; And
A terminal control unit for controlling each unit so that electronic settlement by the application proceeds; &Lt; RTI ID = 0.0 &gt;
Mobile payment system for cost sharing. The method according to claim 1,
The payment server,
A settlement processing unit for fetching the settlement amount from the virtual account and making a settlement; And
A payment control unit for controlling the payment processing unit to transfer the payment amount to the account of the seller when the electronic payment approval information is received from the user terminal; Lt; / RTI &gt;
And the electronic settlement approval information received from the user terminal is a password.
Mobile payment system for cost sharing. The method according to claim 1,
The virtual account server,
A data communication unit receiving information necessary for generating the virtual account from the user terminal;
A virtual account creation unit for confirming information received by the data communication unit and opening the virtual account under the user's name; And
An account amount managing unit for storing the deposit and withdrawal details of the virtual account generated or paid by the virtual account creating unit; &Lt; RTI ID = 0.0 &gt;
Mobile payment system for cost sharing. After receiving the payment request from the merchant terminal, the remaining second user terminal transmits transfer completion information to the payment server in order to transfer the divided payment amount obtained by dividing the entire payment amount to the first user terminal for payment with the merchant terminal as the user representative And requesting a transfer; And
The payment server transmitting transfer confirmation information to a second user terminal; &Lt; RTI ID = 0.0 &gt;
Mobile payment method for cost sharing. The method according to claim 6,
The terminal of the merchant requesting payment to the payment server;
The payment server receiving the payment request transmits the payment initiation information to the first user terminal;
The first user terminal having received the settlement start information transmits the settlement completion information to the settlement server; And
Transmitting, by the payment server having received the payment completion information, payment confirmation information to the first user terminal; Further comprising a payment step including a payment step before or after the transfer step
Mobile payment method for cost sharing.
KR1020120133476A 2012-11-23 2012-11-23 Mobile payment system and method by dutch treat KR20140066354A (en)

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Cited By (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104361138A (en) * 2014-12-10 2015-02-18 用友软件股份有限公司 Cost sharing and tracing device and method
KR101696775B1 (en) * 2016-07-06 2017-01-17 주식회사 케이뱅크은행 System and method for processing payment using mobile banking service
KR20180006064A (en) * 2016-07-08 2018-01-17 주종익 Method, device and server for providing payment sharing service
KR20180047264A (en) * 2016-10-31 2018-05-10 한국정보통신주식회사 A method for processing dutch transactions using virtual account and a server, a transaction terminal and a portable terminal performing the method
KR20180062467A (en) * 2016-10-31 2018-06-11 한국정보통신주식회사 A method for processing dutch transactions of transaction group and a server, a transaction terminal and a portable terminal performing the method
KR102022536B1 (en) * 2018-12-04 2019-09-18 김병곤 System and Method for Processing Dutch pay using User Terminal installed Dutch pay Application
CN110892433A (en) * 2017-03-17 2020-03-17 三星电子株式会社 Electronic device, server, and control method using electronic device
US11062321B2 (en) 2017-02-24 2021-07-13 Samsung Electronics Co., Ltd. Agency payment system, server and controlling method thereof

Cited By (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104361138A (en) * 2014-12-10 2015-02-18 用友软件股份有限公司 Cost sharing and tracing device and method
CN104361138B (en) * 2014-12-10 2018-05-25 用友网络科技股份有限公司 Cost sharing and apparatus and method of tracing to the source
KR101696775B1 (en) * 2016-07-06 2017-01-17 주식회사 케이뱅크은행 System and method for processing payment using mobile banking service
KR20180006064A (en) * 2016-07-08 2018-01-17 주종익 Method, device and server for providing payment sharing service
KR20180047264A (en) * 2016-10-31 2018-05-10 한국정보통신주식회사 A method for processing dutch transactions using virtual account and a server, a transaction terminal and a portable terminal performing the method
KR20180062467A (en) * 2016-10-31 2018-06-11 한국정보통신주식회사 A method for processing dutch transactions of transaction group and a server, a transaction terminal and a portable terminal performing the method
US11062321B2 (en) 2017-02-24 2021-07-13 Samsung Electronics Co., Ltd. Agency payment system, server and controlling method thereof
CN110892433A (en) * 2017-03-17 2020-03-17 三星电子株式会社 Electronic device, server, and control method using electronic device
US11042848B2 (en) 2017-03-17 2021-06-22 Samsung Electronics Co., Ltd. Electronic device, server and control method using the electronic device
KR102022536B1 (en) * 2018-12-04 2019-09-18 김병곤 System and Method for Processing Dutch pay using User Terminal installed Dutch pay Application

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