KR20150040424A

KR20150040424A - Method and System for Group Payment based on Mobile Terminal Cooperative Work

Info

Publication number: KR20150040424A
Application number: KR20130118913A
Authority: KR
Inventors: 남규한
Original assignee: 에스케이씨앤씨 주식회사
Priority date: 2013-10-07
Filing date: 2013-10-07
Publication date: 2015-04-15

Abstract

A joint payment method and system through a mobile terminal interlock are provided. A joint payment method according to an exemplary embodiment of the present invention receives payment information of a user, receives payment information of another person, and transmits payment information of a user and another person together to the payment terminal to request a joint payment. As a result, since a person pays a representative, the profit due to the settlement of accounts can be returned to all the paying persons while preventing the congestion of the counter.

Description

TECHNICAL FIELD [0001] The present invention relates to a mobile payment terminal,

Field of the Invention [0002] The present invention relates to a Dutch pay method, and more particularly, to a method and system for using a mobile terminal such as a smart phone to perform a Dutch payload in an easy manner.

It is often the case that one person does not perform the settlement act on behalf of the person who is paying the amount that he or she incurs. In this case, the payer who makes the settlement action must endure inconveniences such as collecting the money from the other person and settle the change.

Other than the payer, the person must pay cash to the payer. They are not able to achieve earnings due to the use of credit cards, thus they are not granted various benefits provided by credit card companies, and they are disadvantaged in that they can not receive income deductions in connection with cash use.

In order to solve this problem, it is possible to assume that a single payer does not pay as a representative but each person himself or herself can settle the amount of his or her own contribution, but the congestion of the counter is increased (especially in the congestion time zone) .

SUMMARY OF THE INVENTION The present invention has been made in order to solve the above-mentioned problems, and it is an object of the present invention to provide a system and a method for solving the problem, And to provide a joint payment method and system for allowing the profits to be returned to all the amount-paying persons.

According to an aspect of the present invention, there is provided a joint payment method including: receiving payment information of a user; Receiving payment information of another person; And a step of collectively transmitting the payment information of the user and the payment information of the other person to the settlement terminal together with the settlement request to request the joint settlement.

The payment information may include an amount charged in the joint payment, and information on a payment card to which the money is to be paid.

In addition, the receiving step may receive the payment information of the third party in the NFC P2P mode, and the requesting step may request the joint payment in the NFC CE mode.

In addition, the joint payment method according to an embodiment of the present invention may further include deleting the payment information of the other person received in the reception step, when it is notified that the joint payment is approved.

In addition, the payment information of the other person may be temporarily stored in a Secure Element (SE) and then deleted.

According to another aspect of the present invention, there is provided a joint payment method, comprising: inquiring whether effective joint payment is possible based on payment information of a user and payment information of a third party; And displaying the received reply to the inquiry.

In addition, the payment information of the other person received in the receiving step may be that the mobile terminal of the other person proved to be able to perform effective payment.

The receiving step may receive the payment information of the third party in an encrypted state according to an encryption method used between the mobile terminal of the user and the mobile terminal of the third party.

In addition, when the payment information includes information on the payment card and the amount of money to be borne by the common payment is not included, the common payment may be a settlement in which the amount borne by the user is the same as the amount borne by the third person.

According to another aspect of the present invention, a mobile terminal includes an input unit for receiving payment information of a user; A communication module for receiving payment information of another person; And a processor for integrating the payment information of the user and the payment information of the other person, and transmitting the payment information together with the payment terminal through the communication module.

According to another aspect of the present invention, there is provided a joint payment method including: receiving payment information of a user necessary for joint payment with another person; And transmitting the payment information of the input user to the mobile device of the other user.

According to another aspect of the present invention, there is provided a joint payment method, further comprising receiving an approval result for a joint settlement requested by the mobile terminal of the other person.

In addition, the delivering step may deliver the payment information of the user only when the authentication information input from the user is proved correct.

According to still another aspect of the present invention, there is provided a joint payment method, comprising: inquiring whether settlement is possible according to payment information of the user; and in the transfer step, It is possible to transmit the payment information of the user.

According to another aspect of the present invention, there is provided a mobile terminal comprising: an input unit for receiving payment information of a user necessary for joint payment with another person; A communication module for communicating with another mobile device; And a processor for transmitting the input payment information of the user to the mobile device of the other person through the communication module.

According to another embodiment of the present invention, there is provided a joint payment method comprising: receiving a joint settlement request including settlement information for a plurality of users from a payment terminal; Requesting settlement of the settlement information included in the received joint settlement request by dividing the settlement information into corresponding settlement card company servers; And notifying settlement approval to the terminals of the plurality of users upon receiving payment approval from the payment card company servers.

According to another aspect of the present invention, there is provided a joint payment relay server comprising: a communication interface for communicating with a payment terminal, user terminals, and payment card company servers; And a controller for receiving a joint settlement request in which settlement information for a plurality of users is integrated from the settlement terminal through the communication interface and transmitting the settlement information included in the received joint settlement request, And a processor for requesting settlement of the settlement to the servers and informing the user terminals of the joint settlement approval result through the communication interface upon receiving the settlement approval from the settlement card company servers.

As described above, according to the embodiments of the present invention, since a person pays a representative, congestion of the counter does not occur, and the benefit of settlement of accounts can be returned to all the money-bearers.

In addition, according to the embodiments of the present invention, since a joint settlement is made without accepting cash, the settlement person is freed from the inconvenience of cash receipt and balance settlement. In addition, since the actual settlement can be performed after the preliminary verification of the joint settlement availability, it is possible to prevent the occurrence of the embarrassing situation due to the impossibility of settlement.

Brief Description of the Drawings Figure 1 is a diagram showing a Dutch payment system to which the present invention is applicable;
2 and 3 are flow charts provided in the description of a Dutch pay method according to an embodiment of the present invention,
FIG. 4 is a flow chart showing a Dutch page pre-
5 is a flowchart showing a Dutch < RTI ID = 0.0 > pre-verification < / RTI &
Figure 6 is a block diagram of the smartphones shown in Figure 1,
7 is a block diagram of the Dutch Pager relay system shown in FIG.

Hereinafter, the present invention will be described in detail with reference to the drawings.

1. Dutch Pay System

1 is a diagram showing a Dutch payment system to which the present invention is applicable. A dutch pay system to which the present invention can be applied is a system for requesting payment of a fee to a smartphone of one of a plurality of users, and a payment system for supporting a Dutch payment to charge a payment amount to each of a plurality of users.

As shown in FIG. 1, the Dutch payment system for performing the above functions is provided with smart phones 100-1,2,3, a POS (Point Of Sale) terminal 200, a Dutch pay relay system 300, And payment card company servers 400-1 and 400-2.

The smartphones 100-1,2,3 are mobile terminals carried by a large number of users who will be Dutch users. It is required that the smart phones 100-1, 2 and 3 have the Dutch pay applications 140-1, 2 and 3 installed therein. [0031] The Dutch pay applications 140-1, 3-2, and 3-1 are required to perform the Dutch pay according to the embodiment of the present invention with applications that are provided / distributed by the Dutch pay-per-view. In addition, users are required to subscribe to the Dutch Pay service provided by the Dutch Pager.

One of the smartphones 100-1,2,3 functions as a host for the Dutch pay and the rest functions as a guest. A guest is a smartphone that submits / delegates payment to the host for the amount the user is willing to pay, and the host is a smartphone that performs payments on behalf of other users as well as the amount that the user will bear.

In FIG. 1, it is assumed that the smartphone-3 (100-3) is a host and the smartphones -1,2 (100-1,2) are guests, which is an example. There is no limit to the smartphone that will serve as a host. That is, the smartphone-1 (100-1) or the smartphone-2 (100-3) may function as a host.

In addition, FIG. 1 shows three smartphones, which are also illustrative, and in the case where there are two or more smartphones, the Dutch pay according to the embodiment of the present invention can be applied.

POS terminal 200 may be implemented as a general POS terminal but it is necessary to modify the firmware to send the Dutch pay request received from host 100-3 to the Dutch payment system 300 rather than the general payment system.

The payment card company servers 400-1 and 400-2 are servers of a payment card company issuing a mobile payment card to the smartphones 100-1,2,3. The mobile payment card is a concept that includes mobile credit cards, mobile prepaid cards, mobile gift cards, mobile traffic cards (mobile T-Money cards) as well as all mobile cards that can be paid for by mobile.

For convenience of explanation, in the embodiment of the present invention, 'smart phones -1, 3 (100-1,3) receive a mobile payment card of payment card company-1 from payment card company server-1 (400-1) And the smartphone-2 (100-2) assumes that the mobile payment card of the payment card company-2 is issued and used from the payment card company server-2 (400-2).

The Dutch pay-per-view system 300 is a server operated by a Dutch pay-per-view terminal that provides a Dutch pay service using the smartphones 100-1, 200-2, and 300-3. The DDNS relay system 300 may include or interact with a Payment Gateway (PG) and a Value Added Network (VAN), which are necessary for card settlement.

2. The Dutch

In the following, in the Dutch payment system shown in FIG. 1, users request a Dutch Pay to the POS terminal 200 by interworking with the smartphones 100-1, 200-2 and 300-3, The process of relaying and processing will be described in detail with reference to FIG. 2 and FIG. FIG. 2 and FIG. 3 are flowcharts provided in explanation of a Dutch pay method according to an embodiment of the present invention.

As shown in FIG. 2, the users install the Dutch pay applications 140-1, 2 and 3 in the smartphones 100-1, 2 and 3 and subscribe to the Dutch pay service (S511, S512, S513).

The duplicate application 140-1, the duplicate duplicate application 140-2 can be downloaded from another application providing server as well as the duplicate relay system 300. [ Also, the subscription to the Dutch pager service is possible through a personal computer (PC) instead of the smart phones 100-1, 200-3.

As a result, the users can use the Dutch pay service using the smart phones 100-1, 200-3. In the case of wanting a Dutch payout, users should negotiate to determine one of the smartphones 100-1,2-3 as a host and the rest as guests. In this embodiment, it is assumed that the smartphone-3 (100-3) is determined as a host and the smartphones -1,2 (100-1,2) are determined as guests as shown in Fig.

For the Dutch page, the users execute the Dutch pay applications 140-1, 2 and 3 installed in the smart phones 100-1, 2 and 3 (S521, S522, S523) 3, the Dutch application 3 (140-3) of the smartphone-3 (100-3) sets / operates in the host mode and the smartphone- The DUT application 1-2 (140-1, 2) sets / operates in the guest mode (S531, S532, S533).

Next, the Dutch pay applications 140-1, 2 and 3 receive payment amounts from the users and select payment cards (S541, S542, S543). The amount of payment may vary from user to user. The payment card is a mobile payment card issued to the smartphones 100-1,2,3.

Once you have entered your payment amount and selected your payment card, you will need to bring guests to your host one by one. That is, when the user-1 and the user-3 approach the smartphone-1 100-1 and the smartphone-3 100-3 and the user-2 and the user- And the smartphone-3 (100-3).

Accordingly, the Dutch-Pay application-3 (140-3) receives the payment information (payment amount of User-1 and payment card information) of the user-1 from the Dutch-Pay application-1 (140-1) (Payment amount of user-2 and payment card information) from the Dutch Pay application-2 140-2 and stores it temporarily (S553, S554).

For the steps S551 and S553, the Dutch pay applications 140-1, 2 and 3 assign the NFC (Near Field Communication) modules provided in the smartphones 100-1,2,3 to the Peer to Peer ) Mode (see FIG. 1).

On the other hand, in step S552 and step S554, the Dutch pay application-3 (140-3) can temporarily store the payment information in the general memory of the smartphone-3 (100-3) 100-3), and temporarily store the payment information storage area in the SE (Secure Element).

When all of the payment information of the guests is received and the user 3 inputs "settlement information collection completion" through the Dutch application 3 (140-3), the Dutch application 3 (140-3) Message (S560).

The Dutch payee request message generated in step S560 includes a Dutch payee code, payment information, and other necessary information. The payment information includes 1) payment information of user-1 acquired through steps S551 and S552, 2) payment information of user-2 acquired through steps S553 and S554, 3) user- 3 < / RTI >

The procedure after step S560 will be described with reference to FIG. After step S560, the user-3 of the smartphone-3 (100-3) serving as the host should bring his / her smartphone-3 (100-3) close to the NFC reader of the POS terminal 200. [

Accordingly, the Dutch application 3 (140-3) transmits the Dutch payment request message generated in operation S560 to the POS terminal 200 (S565). At this time, the NFC module of the smartphone-3 (100-3) operates in the NFC CE (Card Emulation) mode (see FIG. 1).

In step S565, the POS terminal 200 confirms that the Dutch payment code is included in the received Dutch payment request message. The POS terminal 200 includes a 'merchant number' and a 'payment amount entered by the merchant' To the system 300 (S570).

The DDF relay system 300 analyzes payment information included in the received DDF request message and requests payment to the corresponding payment card companies 400-1 and 2-2 (steps S571 and S572).

In this embodiment, the 'smart phones -1 and -1 (100-1,3) issue and use the mobile payment card of the payment card company-1', and the 'smartphone-2 (100-2) Of the mobile payment card issued by the company.

Therefore, the above situation may be reflected in the Dutch pay request message received through the selection through steps S541, S542 and S543 in FIG. 2 and step S570 in FIG. Accordingly, in step S571, the Dutch payment system 300 transmits a payment request to the payment card company server-1 400-1 while paying the payment information of the user-1 and the user 3 in step S571. 2 to the payment card company server-2 (400-2) while requesting payment.

On the other hand, if the payment amount inputted by the merchant's stock through the POS terminal 200 of the merchant through step S570 differs from the sum of the payment amounts included in the payment information included in the Dutch payment request message, The relay system 300 transmits an error message to the POS terminal 200 without requesting settlement to the payment card company servers 400-1 and 400-2.

Upon approval of the payment, the payment card company server -1,2 (400-1,2) transmits a payment approval message to the Dutch payment system 300 (S573, S574). The payment approval message received from the payment card company server-1 400-1 in step S573 includes a payment approval for the user-1 and a payment approval for the user-3. In step S574, 2) includes a payment approval for User-2.

When the settlement approval message is received for all settlement requests, the Dutch pay-per-view system 300 transmits a Dutch pay-per-approval message to the POS terminal 200 (S581). Also, the Dutch pay-per-view system 300 transmits a Dutch pay-per-view message to the Dutch pay applications 140-1, 200 and 3 (S582, S583, and S584).

The Dutch application 3 (140-3) having received the Dutch payment acknowledgment message deletes the payment information of the user -1,2 temporarily stored in step S552 and step S554 of FIG. 2 (S591), and terminates the host mode operation (S592).

In addition, the Dutch application 120-2 (140-1, 2) that has received the Dutch password grant message terminates the guest mode operation (S593, S594).

3. Dutch pre-verification procedure

Up to now, the process of requesting the POS terminal 200 for the Dutch payee by interworking with the smartphones 100-1, 200 and 3, and relaying and processing the Dutch payee relay system 300 has been described in detail.

Dutch Pay is approved for payment by all mobile payment cards of various users. In other words, the account of all mobile payment cards to be dutch pay must be valid, and must be at least the amount of payment that the limit will bear.

If no payment is available for one or the other, the following pre-verification procedure can be introduced.

FIG. 4 is a flowchart showing a Dutch page pre-verification procedure by the host. The prefetch prefetch procedure shown in FIG. 4 is performed after generating the Dutch pay request message in FIG. 3 (S560) and before transmitting to the POS terminal 200 (S565).

Specifically, when a Dutch pay request message is generated (S560), the Dutch pay application -3 (140-3) of the smart phone-3 (100-3) as a host sends the generated Dutch pay request message to the POS terminal 200 (Step S610). In step S610, it is determined whether or not the Dutch page can be paid.

The Dutch pay-per-view system 300 transmits 1) the payment information of the users -1, 3 to the payment card company server-1 400-1 (S620), 2) And transmits the payment information to the payment card company server-2 (400-2), and asks whether payment is possible (S630).

The payment card company server -1,2 (400-1,2) inquires the settlement information and transmits a reply to the DDC relay system 300 (S640, S650). When an answer is received for all the settlement inquiries, the Dutch pay-per-view system 300 consolidates the answers and replies to the Dutch Pay application -3 (140-3) whether the Dutch payable is available (S660).

In step S660, the Dutch application 3 (140-3) displays the contents of the reply received in step S660 so that the user-3 can recognize it. Only in the case where the Dutch pay is possible, the subsequent procedure S565 may be performed.

If no dead-pay is possible, the subsequent step S565 may be implemented so as not to be performed. That is, even if the smartphone-3 100-3 is brought close to the NFC reader of the POS terminal 200, the implementation of the Dutch application 3 (140-3) does not transmit the Dutch pay request message to the POS terminal 200 It is possible.

Also, in the case where the Dutch payment is impossible, it is possible to indicate which user's payment card is impossible in step S670. In this case, the procedure of receiving the payment information again should be followed by changing the payment card of the user.

FIG. 5 is a flowchart showing a prefetch prefetch procedure by the host & guest. The prefetch prefetch procedure shown in FIG. 5 is performed after the payment information is inputted (S541, S542, S543) in FIG. 2 and before the payment information is transferred from the guest to the host (S551).

When the payment information (payment amount, payment card) is inputted by the user-1 (S541), the Dutch application-1 140-1 transmits the inputted payment information to the Dutch payment system 300, (S710).

Accordingly, the Dutch payment system 300 transmits the payment information of the user-1 to the payment card company server-1 400-1, and inquires about the payment possibility (S715). The payment card company server -1 (400-1) inquires the payment information and transmits a reply to the DDC relay system 300 (S720).

Then, the Dutch pay-per-view system 300 transmits the answer received from the payment card company server-1 400-1 to the Dutch Pay-Application-1 140-1 (S725).

In the same manner as the above procedure, whether or not payment is possible according to the payment information (payment amount, payment card) input by the user-2 is pre-verified (S730 to S745), and the payment information Card) is pre-verified (S750 to S765).

In the case of the guest capable of settlement, the user-1, 2 can perform the step of "executing the payment" (S770, S775) and delivering the settlement information as the subsequent procedure to the host. Also, in the case of a host that can be settled, the user-3 may instruct "execute settlement" (S780) and perform a step of receiving the settlement information as a subsequent procedure from the guests.

4. Configuration of Dutch Pay system

4.1. Smartphone

6 is a block diagram of the smart phones 100-1, 2 and 3 shown in FIG. Since the smartphones 100-1,2,3 have the same configuration, only one of them is represented by "100" in Fig.

As shown in FIG. 6, the smartphone 100 includes a communication unit 110, a touch screen 120, a processor 130, an SE 150, and an NFC module 170.

The communication unit 110 is a communication unit for performing mobile communication and wireless networking and communicates with the Dutch payment system 300 and the payment card company servers 400-1 and 400-2 according to the present embodiment.

The processor 130 executes the Dutch pay application 140 to set the procedure performed by the smartphones 100-1,2,3 among the procedures shown in FIGS. Guest mode).

The touch screen 120 functions as a display for displaying time information generated when the Dutch application 140 is operated, and functions as an input means for receiving a user command required in the process.

The SE 150 is a storage for issuing the mobile payment card 160. The SE 150 is a storage for issuing the mobile payment card 160 regardless of the type and the form thereof such as UICC, USIM (Universal Subscriber Identity Module), Embedded SE, SD do.

The NFC module 170 performs NFC with the smartphone 100 and the POS terminal 200 of another user. 1, the NFC mode is different from the smartphone 100 of the other user in the NFC P2P mode, and 2) the NFC CE (Card Emulation) is connected to the POS terminal 200. [ Mode.

4.2 Dutch Peer Relay System

FIG. 7 is a block diagram of the Dutch Pager Relay system 300 shown in FIG. 7, the Dutch pay relay system 300 includes a communication interface 310, a processor 320, and a DB (Data Base) 330. As shown in FIG.

The communication interface 310 is a means for establishing a communication connection with the smart phones 100-1,2,3, the POS terminal 200 and the payment card issuing servers 400-1 and 2-22 over the Internet or other communication networks .

2 to 5 to provide a Dutch pay service to the users of the smartphones 100-1,2,3 and to process the settlement of the POS terminal 200 for the Dutch pay scheme, And performs the procedures performed by the Dupee Relay system 300 among the illustrated procedures.

The DB 330 stores information of users and merchants necessary to provide a Dutch pay service and functions as a store in which temporary information generated during the Dutch pay service is temporarily stored.

5. Variation example

Although not specifically mentioned in the above embodiment, when the payment information is transmitted between the smartphones, the guest smartphone may encrypt and transmit the payment information of the smartphone to the host smartphone. At this time, the public key algorithm can be applied. When the host and the guest are NFC P2P connected, the host can implement the public key corresponding to the private key to the guest.

Further, it is assumed that the payment amount is entered manually in the payment information, but it can be replaced with the automatic input method. For example, a smartphone can recognize a bar code or QR code that includes a payment amount and automatically enter a payment amount. In case of a restaurant / café, the codes can be displayed on the menu plate.

Further, prior to delivering payment information from the guest to the host, the guest's Dutch payment application requests the user to input a PIN (Personal Identification Number), and transmits the payment information only when the correct PIN is entered, thereby enhancing information security .

On the other hand, the technical idea of the present invention is applicable not only to Dutch Pay, but also to other types of joint settlement. For example, the technical idea of the present invention can be applied to the case of paying the entire settlement amount equally (in this case, N users pay the '(total settlement amount) / N' respectively) The amount input can be omitted.

Furthermore, it is possible to implement the payment method instead of the payment amount. For example, if three users ate spaghetti, steak, and pizza in a restaurant, User-1 would specify his spaghetti instead of his payment amount, and User-2 would use his own stake And user-3 can specify his pizza instead of his payment amount. However, since the item designation may be unclear, a method of inputting a code (e.g., spaghetti = 123, stake = 456, pizza = 789)

Also, in the above embodiment, it is assumed that the Dutch-page pre-verification is performed by relaying the Dutch pay-per-view relay system 300, but this is illustrative and can be modified. In particular, the Dutch < RTI ID = 0.0 > pre-verification < / RTI > by the host & guest shown in FIG.

In addition, the dictionary pre-verification by the host shown in FIG. 4 may also be performed when another user agrees to inquire credit information by another user at the time of subscription to a Dutch payment service, .

Also, the technical idea of the present invention can be applied to a case where a smart phone is a kind of mobile terminal to which a user's mobile payment card is issued, and is replaced with another type of mobile terminal.

Also, it is possible to incorporate the functions of the Dutch pay-per-view system 300 into the POS terminal 200, in which case the Dutch pay-per-view system 300 may be omitted and a Dutch pay system may be implemented.

It goes without saying that the technical idea of the present invention can also be applied to a computer-readable recording medium having a computer program for performing the functions of the apparatus and method according to the present embodiment. In addition, the technical idea according to various embodiments of the present invention may be embodied in computer-readable code form recorded on a computer-readable recording medium. The computer-readable recording medium is any data storage device that can be read by a computer and can store data. For example, the computer-readable recording medium may be a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical disk, a hard disk drive, or the like. In addition, the computer readable code or program stored in the computer readable recording medium may be transmitted through a network connected between the computers.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention.

100, 100-1,2,3: Smartphone
140, 140-1,2,3: Dutch Pay application
200: POS terminal
300: Dutch Peer Relay System
400-1,2: Payment card company server

Claims

Receiving payment information of a user;
Receiving payment information of another person; And
And collectively transmitting the payment information of the user and the payment information of the other person to the settlement terminal, and requesting joint settlement.

The method according to claim 1,
The payment information includes:
And an amount of money to be borne by the joint settlement, and information on a payment card to which the money is to be paid.

The method according to claim 1,
Wherein the receiving step comprises:
Receiving the payment information of the third party in an NFC P2P (Near Field Communication Peer to Peer) mode,
Wherein the requesting step comprises:
And the joint payment is requested in an NFC CE (Card Emulation) mode.

The method according to claim 1,
Further comprising the step of deleting the payment information of the other person received in the receiving step when it is notified that the joint payment has been approved.

5. The method of claim 4,
And the payment information of the third person is temporarily stored in a Secure Element (SE) and then deleted.

The method according to claim 1,
Inquiring whether effective joint settlement is possible based on the payment information of the user and the payment information of the other person; And
And displaying the received answer to the inquiry.

The method according to claim 1,
Wherein the payment information of the other person,
And the mobile terminal of the other person proved to be able to perform effective payment.

The method according to claim 1,
Wherein the receiving step comprises:
Wherein the payment information of the other person is received in an encrypted state according to a cipher system used between the mobile terminal of the user and the mobile terminal of the other person.

The method according to claim 1,
Wherein the settlement information includes information on the settlement card and does not include an amount to be borne by the joint settlement, the joint settlement is a settlement in which the amount borne by the user is the same as the amount borne by the other person. Joint payment method.

An input unit for receiving payment information of a user;
A communication module for receiving payment information of another person; And
And a processor for collectively transmitting the payment information of the user and the payment information of the other person to the settlement terminal together with the settlement terminal through the communication module.

Receiving payment information of a user necessary for joint payment with another person; And
And transmitting the payment information of the inputted user to the mobile device of the other user.

12. The method of claim 11,
Further comprising: receiving an approval result of the joint settlement requested by the mobile terminal of the other person in the settlement terminal.

12. The method of claim 11,
Wherein the delivering comprises:
Wherein the payment information of the user is transmitted only when the authentication information input from the user is found to be correct.

12. The method of claim 11,
Further comprising the step of inquiring whether settlement is possible according to the payment information of the user,
Wherein the delivering comprises:
And the payment information of the user is transmitted only when it is determined that payment can be made from a response to the inquiry.

An input unit for receiving payment information of a user necessary for joint payment with another person;
A communication module for communicating with another mobile device; And
And a processor for transferring the input payment information of the user to the mobile device of the other person through the communication module.

Receiving a joint settlement request including settlement information for a plurality of users from a settlement terminal;
Requesting settlement of the settlement information included in the received joint settlement request by dividing the settlement information into corresponding settlement card company servers; And
And notifying the result of the joint settlement approval to the terminals of the plurality of users upon receiving payment approval from the payment card company servers.

A communication interface for communicating with the payment terminal, user terminals and payment card company servers; And
The method comprising: receiving a joint settlement request including settlement information for a plurality of users from the settlement terminal through the communication interface; transmitting settlement information included in the received joint settlement request to a corresponding settlement card company server And a processor for notifying the settlement approval result to the user terminals through the communication interface when the settlement approval request is received from the payment card company servers, .