KR20140097840A - System and Method for partial payment - Google Patents

Abstract

A system and a method for partial payment are disclosed. The system for partial payment comprises: a bill storage device which stores a bill according to order details of a user; a seller terminal which receives order details information of the user, generates the bill including the order details information, and stores the bill on the bill storage device; and a plurality of user terminals which acquire bills from the bill storage device, output the bills, perform payment according to payment amount information inputted by the user, and store the bills including added payment details information according to completion of payment on the bill storage device. The seller terminal and the user terminals communicate with the bill storage device via short-range communication.

Description

{System and Method for partial payment}

The present invention relates to a split payment system and method.

Generally, credit cards or check cards are mostly used rather than cash for payment of goods, services, food and beverages in e-commerce or off-line. In the case where the settlement is made using the commercial online electronic commerce system or the settlement method using the card terminal for various services via the offline is used, the charge for the charged amount can be paid by using cash or a credit card, Or a payment method of a card installment payment method in which a bill is paid in a predetermined number of months is used.

In these online and offline lump-sum or card-based payment methods, there is a situation where the payer is forced to give up payment for the charge because the payment method is not supported by dividing the cash and card for the amount billed by the payer . Also, in the card payment, payment is made using only one credit card for one purchase. In such a payment method, there are cases in which payment can not be made due to exceeding the limit of the credit card, so that the purchasing is not performed.

BACKGROUND OF THE INVENTION [0002] As a background art of the invention, there is a patent document related to a method and system for providing partial payment in an electronic commerce using the Internet. In the related art, a payment process is performed by using a plurality of payment means, And more particularly, to a method and a system capable of simplifying the system.

KR 0583181 B1 2006. 05. 18

The present invention provides a billing system and method using a bill storage device having a short-range communication function and a mobile, and capable of performing partial payment immediately after ordering.

According to an aspect of the present invention, a split payment system is disclosed.

The billing system according to the embodiment of the present invention includes a bill storage unit for storing bill according to the order details of the user, a bill storing unit for receiving the billing information of the user and generating the bill including the billing information, And the payment history information corresponding to the completion of the payment is added to the bill storage device, and the bill storage device stores the payment history information, Wherein the seller terminal and the plurality of user terminals communicate with the bill storage device using local communication.

The plurality of user terminals performing a partial settlement according to a first user input for requesting settlement of a part of a bill amount and storing the bill in the bill storage device, And a second user input for requesting settlement of an outstanding balance of the charged amount from the bill storage device, And a second user terminal for storing in the bill storage device an invoice further added with payment history information of the second user terminal.

And a POS terminal for acquiring an invoice including the settlement history information that has been paid out from the bill storage device and storing the invoice as a receipt.

The bill storage device is located on a table where a plurality of users are gathered, and after the payment is completed, the bill storage device is transmitted to the clerk at the counter, and transmits the bill to the POS terminal.

The near field communication is NFC (Near Field Communication), and the seller terminal and the plurality of user terminals write and read the bill to the bill storage device.

The bill further includes seller information and billing amount information, and the payment details information includes payment amount information and approval information.

According to another aspect of the present invention, a split payment method using a bill storage device having a local communication function is disclosed.

The payment method according to an embodiment of the present invention includes a step of the seller terminal receiving the order detail information according to the order details of the user, the seller terminal generating the bill containing the order detail information and storing the bill in the bill storage device The method comprising the steps of: obtaining a bill from the bill storage device by a plurality of user terminals, outputting the bill and outputting the payment history information according to the payment amount information inputted by the user; And storing the added bill in the bill storage device.

Wherein the step of storing the bill in the bill storage device includes the steps of: performing a partial settlement according to a first user input for requesting settlement of a part of the bill amount, Storing the billing information in the billing storage device, and acquiring from the billing storage device an invoice including a billing history information of the first user terminal, and requesting settlement of an outstanding balance of the billing amount Performing a partial settlement according to the second user input, and storing the bill in the bill storage device, the bill further including the payment history information of the user.

And a step in which the POS terminal acquires from the bill storage device an invoice including payment settlement information that has been paid and stores it as a receipt.

The bill storage device is located on a table where a plurality of users are gathered, and after the payment is completed, the bill storage device is transmitted to the clerk at the counter, and transmits the bill to the POS terminal.

The present invention can make a payment immediately after ordering using a bill storage device and a mobile having a local communication function.

In addition, the present invention does not need to go to the counter for payment and wait, and can conveniently make a partial payment using the bill storage device in the guest table.

Brief Description of the Drawings Fig. 1 schematically illustrates the configuration of a split payment system. Fig.
2 is a flowchart showing a partial payment method;
Figure 3 shows an example of a single payment using a bill storage device.
4 is a view showing an example of partial payment using a bill storage device;

While the present invention has been described in connection with certain exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, is intended to cover various modifications and similarities. It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. In addition, numerals (e.g., first, second, etc.) used in the description of the present invention are merely an identifier for distinguishing one component from another.

Also, in this specification, when an element is referred to as being "connected" or "connected" with another element, the element may be directly connected or directly connected to the other element, It should be understood that, unless an opposite description is present, it may be connected or connected via another element in the middle.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In order to facilitate a thorough understanding of the present invention, the same reference numerals are used for the same means regardless of the number of the drawings.

BRIEF DESCRIPTION OF DRAWINGS FIG. 1 is a view schematically illustrating a configuration of a split payment system. FIG.

1, the partial payment system includes a bill storage device 10, a seller terminal 20, a user terminal 30, and a POS terminal 40.

The bill storage device 10 has a local communication function and is a device that transmits and receives an invoice to and from an external device (for example, the seller terminal 20, the user terminal 30, etc.) using local communication.

For example, the near field communication may include Near Field Communication (NFC) or Bluetooth, ZigBee, Radio Frequency Identification (RFID), and infrared communication that perform equivalent functions.

For reference, NFC is an extension of the ISO / IEC 14443 proximity-card standard, which can support smart cards and readers at the same time.

In addition, NFC is an extension of the ISO / IEEE 14443 standard so that it can communicate with existing ISO / IEEE 14443 readers or smart cards as well as between NFC devices. Such NFC is basically developed for use in a mobile communication terminal.

Currently, NFC is mainly used in mobile communication terminals and can operate in three modes: a card emulation mode, a reader / writer mode, and an inter-terminal communication (P2P communication) mode.

The card emulation mode is a mode in which the NFC device operates like an existing RFID card. Therefore, the RFID reader may be accessed by a mobile terminal instead of an existing card. At present, the specification of the contactless smart card is 13.56MHz in frequency, less than 10cm in communication distance, and communication speed is more than 106kbps, and can be applied in fields such as settlement and transportation card. In such an NFC device operating in the card emulation mode, the communication distance can be increased by increasing the output. For example, an NFC device implemented to be recognized at a greater distance can be applied to a library loan system, a theft prevention system, and the like.

The reader / writer emulation mode is a mode in which the NFC device operates as a card reader. The NFC device can read information from other NFC devices or smart cards.

Meanwhile, the inter-terminal communication is an operation method in which two NFC devices communicate with each other (peer to peer). In inter-terminal communication, data communication of NFC devices is performed at a maximum of 424 kbps. It is possible to provide a service such as transferring photographic data by moving the mobile communication terminal close to the printer or moving the mobile communication terminal to the display device and displaying it.

Inter-terminal communication can be transmitted regardless of the format of data such as text, image, and voice. Also, in inter-terminal communication, data communication of up to 424 kbps can be performed among NFC devices within 10 cm maximum. Also, terminal-to-terminal communication is performed by a terminal-terminal (P2P) communication method unlike the server-client method.

For example, the bill storage device 10 may be located on the table 1 in the dining room, as shown in FIG. 1, receiving and storing an invoice according to the user's order from the seller terminal 20, The terminal 30 can transmit the stored bill. That is, the bill storage device 10 can be implemented as an NFC tag having a write function as well as a read function, and can perform a role of an NFC bill (NFC bill).

The seller terminal 20 has a local communication function and generates an invoice by receiving the order details requested by the user and transmits the invoice generated through the local communication to the invoice storage device 10 so that the invoice is stored in the invoice storage device 10). Here, the bill may include order detail information, seller information, and billing amount information.

The user terminal 30 has a local communication function and receives an invoice from the bill storage device 10 through short-range communication, performs settlement of the invoice according to a user input, generates payment history information corresponding thereto, Transmits the payment history information through communication to the bill storage device 10, and stores the bill having the payment history information added thereto in the bill storage device 10. Here, the payment history information may include payment amount information and approval information.

Particularly, when there are a plurality of users, partial payment can be performed. For example, after the first user terminal 31 outputs the bill received from the bill storage device 10, performs a partial payment in accordance with a user input for requesting payment for a part of the bill amount, The bill storage device 10 may store an invoice containing information. Then, the second user terminal 32 receives and outputs the bill including the payment history information of the first user terminal 31 from the bill storage device 10, and requests payment for the outstanding balance of the charged money And then stores the bill including the payment history information of the user in the bill storage device 10. Accordingly, the bill storage device 10 can store an invoice including the payment history information of the first user terminal 31 and the second user terminal 32. [

The POS terminal 40 is a terminal for performing settlement of goods requested by a buyer in a store, and has a local communication function.

For example, the user can deliver the bill storage device 10 storing the bill containing the settlement history information that has been paid to the clerk at the counter, and the POS terminal 40 can transmit the bill storage device 10 via the short- The user can receive the invoice of the user. Here, the POS terminal 40 can store the received invoice as a receipt.

2 is a flowchart showing a partial payment method.

In step S210, the seller terminal 20 receives the order detail information.

In step S220, the seller terminal 20 generates an invoice in accordance with the input of the order detail information. Here, the generated bill may include order detail information, seller information, and billing amount information.

In step S230, the seller terminal 20 transmits the bill to the bill storage device 10 according to the generation of the bill.

In step S240, the bill storage device 10 stores the received bill.

In step S250, the user terminal 30 receives an invoice from the bill storage device 10. [

In step S260, the user terminal 30 outputs the received bill, and performs settlement according to the user input. For example, the user terminal 30 is installed with a billing application interlocked with the bill storage device 10, can store the payment method information of the user, and can process payment according to the payment request input of the user who confirmed the bill have.

In step S270, the user terminal 30 transmits the payment history information corresponding to the completion of the payment to the bill storage device 10.

In step S280, the bill storage device 10 stores the bill added with the payment history information. For example, the user terminal 30 may add payment history information to the bill, and may store the bill with the payment history information added to the bill storage device 10.

In step S290, the bill storage device 10 transmits an invoice containing the payment history information that has been completed to the POS terminal 40. [ For example, the user can deliver the bill storage device 10 storing the bill containing the settlement history information that has been paid to the clerk at the counter, and the POS terminal 40 can transmit the bill storage device 10 via the short- The user can receive the invoice of the user. Here, the POS terminal 40 can store the received invoice as a receipt.

3 is a diagram showing an example of a single settlement using a bill storage device.

Hereinafter, in order to facilitate understanding and explanation, it is assumed that the short distance communication is NFC, and the bill storage device 10 is collectively referred to as an NFC bill (NFC bill).

In step S310, the seller terminal 20 receives the order detail information. Here, it is assumed that the bill amount based on the order detail information is 20,000 won.

In step S320, the seller terminal 20 writes the contents of the bill on the NFC bill 10. [ Here, the contents of the bill include order detail information, seller information, billing amount information (billing amount of 20,000 won, settlement amount of 0 yen).

In step S330, the user terminal 30 reads the NFC bill 10.

In step S340, the user terminal 30 completes settlement of 20,000 KRW in accordance with the input of the user who confirmed the contents of the bill.

In step S350, the user terminal 30 writes the contents of the bill including the payment history information to the NFC bill 10. Here, the contents of the bill include payment history information. The payment history information includes payment amount information (20,000 won) and approval information (successful payment approval).

In step S360, the POS terminal 40 reads the bill content of the NFC bill 10 and stores it as a receipt.

4 is a diagram showing an example of partial payment using a bill storage device.

The steps S410 to S430 and S520 of FIG. 4 are the same as those of FIG. 3, and therefore, a detailed description thereof will be omitted.

In step S440, the first user terminal 31 completes the settlement of 10,000 won according to the input of the customer A who confirmed the contents of the bill.

In step S450, the first user terminal 31 writes the contents of the bill including the payment history information of the guest A to the NFC bill 10. Here, the contents of the bill include the payment history information of the customer A. The payment history information of the customer A includes the payment amount information (10,000 won) of the customer A and the approval information (successful payment approval).

In step S460, the second user terminal 32 reads the NFC invoice 10.

In step S470, the second user terminal 32 completes the payment of 60,000 KRW according to the input of the guest B who confirmed the contents of the bill.

In step S480, the second user terminal 32 writes the contents of the bill including the payment history information of the guest B to the NFC bill 10. [ Here, the contents of the bill further include the payment history information of the guest B. The payment history information of the guest B includes the payment amount information of the guest B (600,000 won) and the approval information (successful payment approval).

In step S490, the third user terminal 33 reads the NFC bill 10 (read).

In step S500, the third user terminal 33 completes settlement of KRW40,000 according to the input of the customer C who confirmed the contents of the bill.

In step S510, the third user terminal 33 writes the contents of the invoice further including the payment history information of the guest C to the NFC bill 10. Here, the contents of the bill further include the payment history information of the guest C. The payment history information of the guest C includes the payment amount information of the customer C (0.4 million won) and the approval information (successful payment approval).

Meanwhile, the partial payment method according to the embodiment of the present invention may be implemented in the form of a program command which can be executed through a variety of means for processing information electronically and recorded in a storage medium. The storage medium may include program instructions, data files, data structures, and the like, alone or in combination.

Program instructions to be recorded on the storage medium may be those specially designed and constructed for the present invention or may be available to those skilled in the art of software. Examples of storage media include magnetic media such as hard disks, floppy disks and magnetic tape, optical media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, magneto-optical media and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. The above-mentioned medium may also be a transmission medium such as a light or metal wire, wave guide, etc., including a carrier wave for transmitting a signal designating a program command, a data structure and the like. Examples of program instructions include machine language code such as those produced by a compiler, as well as devices for processing information electronically using an interpreter or the like, for example, a high-level language code that can be executed by a computer.

The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

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 invention as defined in the appended claims. It will be understood that the invention may be varied and varied without departing from the scope of the invention.

10: Billing storage
20: Merchant terminal
30: User terminal
40: POS terminal

Claims (10)

An invoice storage for storing an invoice according to a user's order history;
A seller terminal for receiving an order detail information of the user and generating an invoice including the order detail information and storing the invoice in the bill storage device; And
Which stores the bill in the bill storage unit, the bill storage unit storing the bill stored in the bill storage unit, wherein the bill storage unit stores the bill stored in the bill storage unit by obtaining and outputting the bill from the bill storage unit, A user terminal,
Wherein the seller terminal and the plurality of user terminals communicate with the bill storage device using short-range communication.
The method according to claim 1,
The plurality of user terminals
A first user terminal for performing a partial settlement according to a first user input for requesting settlement of a certain amount of a charged amount and storing an invoice added with the settlement information of the user in the invoice storing device; And
Wherein the first user terminal obtains an invoice including the payment history information from the bill storage device and performs a partial payment according to a second user input for requesting settlement of an outstanding balance of the charged amount, And a second user terminal for storing in said bill storage device an invoice further adding payment history information.
The method according to claim 1,
Further comprising: a POS terminal for acquiring an invoice containing payment settlement history information from the bill storage device and storing the invoice as a receipt.
The method of claim 3,
Wherein the bill storage device is located on a table in which a plurality of users are located, and after the settlement is completed, the bill storage device is transmitted to the clerk at the counter, and transmits the bill to the POS terminal.
The method according to claim 1,
The near field communication is Near Field Communication (NFC)
Wherein the seller terminal and the plurality of user terminals write to and read from the bill storage device.
The method according to claim 1,
Wherein the bill further includes seller information and billing amount information, and the payment history information includes payment amount information and approval information.
A split payment method using a bill storage device having a local communication function,
A seller terminal receiving an order history information according to a user's order history;
Causing the seller terminal to generate and store an invoice including the order detail information in the invoice storing device;
The plurality of user terminals obtaining and outputting the bill from the bill storage device; And
Wherein the plurality of user terminals perform settlement according to the settlement amount information input by the user, and storing the invoice added with settlement history information upon completion of settlement to the bill storage device.
8. The method of claim 7,
The step of storing the bill in the bill storage
Performing a partial settlement according to a first user input for requesting settlement of a partial amount of the charged amount by the first user terminal and storing the bill added to the settlement detail information in the bill storage device; And
The second user terminal obtains an invoice containing the settlement history information of the first user terminal from the bill storage device and issues a settlement payment according to a second user input for requesting settlement of an outstanding balance of the charged amount And storing, in the bill storage device, an invoice further added with the payment history information of the user.
8. The method of claim 7,
Further comprising a step in which the POS terminal acquires from the bill storage device an invoice including payment settlement information that has been paid out and stores it as a receipt.
10. The method of claim 9,
Wherein the bill storage device is located on a table in which a plurality of users are located, and after the payment is completed, the bill storage device is delivered to the clerk at the counter, and transmits the bill to the POS terminal.

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