KR20160117922A - How to make simple payment using ICT by receiving information including credit limit - Google Patents

Abstract

The present invention relates to a method for performing simple payment by receiving information including a credit limit to use an ICT. The method comprises the following steps of: enabling a mobile device or a terminal of a member to transmit payment information to an assurance server; enabling the assurance server to receive the payment information to access a database; rejecting an approval if payment money is larger than a credit limit and subtracting the payment money from the credit money if the payment money is within the credit limit; enabling the assurance server to increase a seller credit limit by the payment money and store the seller credit limit in the database; and enabling the assurance server to transmit a credit limit approval result to mobile devices or terminals of a consumer and the seller.

Description

How to make simple payment using ICT by receiving information including credit limit {omitted}

The present invention relates to a method for performing mobile and on-line simple settlement using ICT by receiving credit limit, personal account, insurance, and the like. More specifically, mobile settlement, online / offline settlement can be performed freely and easily without a POS terminal regardless of the place, credit limit and personal account, insurance The present invention relates to a method of performing mobile and online simple settlement using ICT.

FinTech, a combination of financial and technology, represents a new form of financial technology based on information technology (IT), including mobile payment and remittance, personal property management and crowdfunding.

PinTech business model and business area are divided into four areas: banking and financial data analysis, payment, capital market related technology, and financial asset management.

The emergence of PinTech is destroying the existing financial order and pouring out business models based on creativity and innovation. This is because technologies such as the type of currency and billing system have been used to break down existing barriers and to catch up with security issues.

In recent years, not only simple settlement and remittance services, but also algorithms that accurately identify customers' personal information, creditworthiness, and financial accidents through big data analysis have appeared, extending the scope to personal wealth management services.

Meanwhile, when a consumer purchases a product or service in an offline store by using a mobile payment method, the user must go through a POS terminal. This can be accomplished by a VAN (value added network) company, a payment gateway ), Credit card approval, bank approval, etc., and the resulting increase in commissions, which puts heavy burdens on sellers and consumers. In addition, beyond the boundaries between traditional consumers and sellers, it is often the case that consumers become sellers and sellers become consumers and a single entity acts as both a consumer and a seller.

In this situation, mobile payment or online settlement can be easily performed using ICT (Information Communication Technology) without POS terminal regardless of place, and new settlement and remittance There is a need for technology development for the system.

In addition, since online payment and electronic wallet are activated, information such as a credit card number, a bank account number, and an authorized certificate password stored in a mobile device is hijacked and financial fraud occurs, There is a need for technology development for security such as identification of a person through personal identification (fingerprint, face, heartbeat, etc.) with personalized mobile.

Prior Art Document: KR Patent Registration No. 1129167 (issued on March 26, 2012)

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems, and it is an object of the present invention to provide a mobile terminal capable of easily paying through personal mobile using ICT without any restriction on location, time, And provides a simple payment and remittance system by utilizing a personal mobile. It is also possible to perform individual authentication through a personal mobile without storing personal information such as a credit card number, a bank account number, a public certificate, and a social security number in a personal mobile To increase security.

According to an aspect of the present invention, there is provided a method for performing a simple settlement by receiving information including a credit limit according to the present invention, the method comprising the steps of: (a) To the guarantee server; (b) A warranty server that has been provided with a credit limit through a member's personal agreement from a credit provider that has provided a member's personal credit limit, including a credit card company, bank, guarantee institution, sponsor, Receiving payment information through a connection to a database; (c) If the guarantee server confirms the credit limit of the consumer member corresponding to the payment information in the database where the information on the credit limit of each member is stored, if the amount of the payment information exceeds the confirmed credit limit, Subtracting from the credit limit as much as the amount of the settlement information; (d) increasing the credit limit of the merchant by the amount of the settlement information and storing it in the database; And (e) transmitting, by the assurance server, the approval or rejection approved or rejected in step (c) to the mobile device or the terminal of the consumer and the seller.

When the seller intends to cash the amount of the payment information, the guarantee server checks the credit limit of the seller member in the database, and if the amount of the payment information is within the credit limit, the credit amount is subtracted from the credit limit of the seller member by the amount of the payment information , The guarantee server may request the account transfer of the amount of the payment information to the account of the seller member to the bank.

In addition, an increase or decrease in the credit limit may include an amount of the settlement information, an additional reserve due to the event, a prize, interest and dividends on the accumulated amount.

According to the present invention, it is possible to make settlement, online or offline settlement through mobile without any POS terminal regardless of the place, and to easily carry out payment through mobile without passing through the approval process of the existing financial systems such as VAN, PG, credit card company, You can save money by paying. You can use a personal mobile to provide a simple payment and transfer system. You can also use your personal mobile phone to store your personal information (credit card number, bank account number, official certificate, social security number, It is possible to enhance the security by performing individual authentication and break down the boundary between the consumer and the seller, thereby performing both the functions of both sides.

FIG. 1 is an online settlement flow diagram performed in an offline store utilizing a terminal-period electronic tag and an image recognition tag of a method for performing a simple settlement by receiving a credit limit according to a preferred embodiment of the present invention;
FIG. 2 is a flowchart illustrating an online settlement process performed in an offline store without using a terminal-based electronic tag and an image recognition tag in a method of performing a simple settlement according to a preferred embodiment of the present invention,
FIG. 3 is an online settlement flow diagram of a method for purchasing goods in an online store and receiving an information including a credit limit according to a preferred embodiment of the present invention and performing a simple settlement by mobile through a payment API (Application Program Interface)
FIG. 4 is a flowchart showing a payment approval process of a method for performing a simple settlement by receiving a credit limit according to a preferred embodiment of the present invention;
FIG. 5 is a flowchart illustrating a credit limit guarantee of a method for performing a simple settlement by receiving a credit limit according to a preferred embodiment of the present invention;
FIG. 6 is a flowchart of cash settlement of a method of performing simple settlement by receiving a credit limit according to a preferred embodiment of the present invention,
FIG. 7 is a flowchart of settlement of a consumer settlement amount of a method for performing a simple settlement by receiving a credit limit according to a preferred embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the drawings, the same reference numerals are used to designate the same or similar components throughout the drawings. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. In addition, the preferred embodiments of the present invention will be described below, but it is needless to say that the technical idea of the present invention is not limited thereto and can be variously modified by those skilled in the art.

FIG. 1 is a flow diagram illustrating a settlement period using an electronic tag and an image recognition tag in a method for performing simple settlement by receiving information including a credit limit according to a preferred embodiment of the present invention. 1 is an example in which a consumer performs settlement in an off-line store, and a right-side flowchart is an example in which a seller performs settlement. Hereinafter, the information including the credit limit is used to include information such as credit limit, personal account, and insurance.

A method for performing simple settlement by receiving information including a credit limit according to a preferred embodiment of the present invention is a settlement between a consumer's mobile device and a seller's mobile device or a terminal.

Mobile devices include tablet PCs, PDAs (Personal Digital Assistants), notebooks, cellular phones, PCS (Personal Communication Service) phones, hand-held PCs, GSM (Global System for Mobile) Wideband CDMA) phones, CDMA-2000 phones, smart phones, etc., and the types of mobile devices are not limited thereto.

Members, including consumers and sellers, are identified by unique numbers. The unique number is implemented as a tag, and various means such as Near Field Communication (NFC), Beacon, and QR code can be used as the tag.

The tag may be in the form of a sticker or the mobile device itself. Mobile devices are equipped with NFC, Bluetooth, infrared, and other communication functions. In particular, when a smart device is equipped with an NFC woofer (USIM), it can perform a tag function itself.

A unique number of a member including a consumer and a seller can be encrypted and stored in a recognition tag such as a wakeup memory, an NFC tag, a QR mode, and a beacon in the mobile device and the terminal.

Accordingly, even if a POS terminal is not provided regardless of the place, payment for goods or services can be performed freely and easily.

When the consumer performs payment, the consumer touches or recognizes the tag with the mobile device, and the unique number of the consumer and the unique number of the seller are identified and the payment screen is displayed. The password, biometric information, and the like, and the payment information such as the GPS coordinates of the user is transmitted to the assurance server, and the assurance server confirms approval or disapproval of the settlement and outputs the approval or disapproval to the seller's mobile device or terminal. In addition, the guarantee server also transmits approval or disapproval of payment to the mobile device of the consumer.

When the seller performs the payment, the seller inputs the payment amount to the mobile device or the terminal and transmits the payment information to the guarantee server. The guarantee server confirms whether the payment is approved or not. When the consumer touches or recognizes the tag with the mobile device, the payment screen is output. If the payment is confirmed after inputting the password, the payment information is transmitted to the guarantee server. The guarantee server transmits the result of approval or disapproval to the seller's mobile device or terminal.

FIG. 2 is an online settlement flow diagram in which information including a credit limit according to a preferred embodiment of the present invention is received, and an electronic tag and an image recognition tag of the method for performing simple settlement are not utilized. 1 is an example in which a consumer performs settlement, and a right flow chart is an example in which a seller performs settlement.

In the online settlement, the consumer and the seller execute settlement by inputting the unique number of the consumer and the unique number of the seller through execution of the dedicated app.

When a consumer executes a payment, a dedicated application of the mobile device is executed and a payment screen is displayed, the merchant's shop number and amount are inputted, a password, biometric information, etc. are inputted and together with the payment information And the guarantee server confirms approval or disapproval of the settlement, and outputs the approval or disapproval to the seller's mobile device or terminal. In addition, the guarantee server also transmits approval or disapproval of payment to the mobile device of the consumer.

When the seller performs the payment, the seller inputs the unique number and the payment amount of the consumer to the mobile device or the terminal and transmits the payment information to the guarantee server. The guarantee server confirms whether or not the payment is approved. If the payment screen is displayed on the mobile device, the consumer checks whether the payment amount is correct after inputting the password. If the payment is correct, the payment information is transmitted to the guarantee server. The guarantee server transmits the result of approval or disapproval to the seller's mobile device or terminal.

FIG. 3 is an online settlement flowchart of a method for purchasing goods in an online store, receiving information including a credit limit according to a preferred embodiment of the present invention, and performing a simple payment by mobile through a payment API (Application Program Interface).

If the consumer clicks the payment API through the Internet, mobile web, or an application and the payment information is transmitted to the guarantee server, the guarantee server confirms whether or not the payment is approved. If the payment request screen is displayed on the consumer's mobile device or terminal, Or biometric information, and then the goods are shipped with confirmation of payment by the seller's Internet, mobile web, or app.

4 is a flowchart of a settlement approval process of a method for performing a simple settlement by receiving a credit limit according to a preferred embodiment of the present invention.

The guarantee server is provided with a credit limit through a member's personal agreement from a credit provider including a credit card company, a bank, a guarantee institution, a guarantor, an insurance company, a government agency (National Pension Corporation, employment insurance, etc.) / RTI > If the member does not have a bank or credit card, the credit is provided through the guarantor's guarantee securities, insurance company (personal pension, insurance, etc.) and government agency (4 insurance, etc.).

The consumer A and the seller B can receive a credit limit from a credit institution providing the credit, and provide it to the operator of the guarantee server, and can purchase goods or services within the credit limit.

The seller B receives the goods or service price as a number in the database, and accordingly, the credit limit of B rises, and the goods or services of the other seller can be purchased by using it.

Consumer A will reduce his / her credit limit by the amount he / she purchased the product or service.

When a consumer purchases a product or service, a payment request is transmitted to the guarantee server, and the guarantee server checks the credit limit of the consumer by accessing the database and determines whether or not to approve the product. If the amount of the payment information exceeds the confirmed credit limit, the approval is rejected. If the amount of the payment information is within the credit limit, the amount of the payment information is subtracted from the credit limit. On the other hand, the credit limit of the seller is increased by the payment information amount, and the guarantee server stores the increased credit limit in the database. When payment is completed, the warranty server informs the seller whether or not it is now.

FIG. 5 is a flowchart illustrating a credit limit guarantee of a method for performing a simple settlement by receiving a credit limit according to a preferred embodiment of the present invention.

The database of the warranty server operator stores information on the credit limit of each consumer and the seller, and the credit limit is increased or decreased according to the purchase amount and the sales amount. The increase or decrease in the credit limit may include additional reserves, winnings, reserves or interest or dividends from various events.

The credit limit of each consumer and seller can be provided through a personal agreement from the credit provider, such as a credit card company or a bank, which already has a personal credit limit. In addition to a credit card company or a bank, it is also possible that a credit is provided as a guarantee bond of a guarantee institution, or a credit is provided through a guarantor. In addition to the guarantor, credit may be provided by transferring or selling the guarantee.

FIG. 6 is a flowchart illustrating a cash settlement method for performing a simple settlement by receiving a credit limit according to a preferred embodiment of the present invention.

Sellers may cash in on their credit limit. The seller can request a transfer of funds to his or her bank account, and the guarantee server operator performs the account transfer to the seller's bank account through the main bank.

When the seller intends to cash the amount of the payment information, the guarantee server checks the credit limit of the seller member in the database, and if the amount of the payment information is within the credit limit, it is subtracted from the credit limit of the seller member by the amount of the payment information. The guarantee server requests the bank transfer to the account of the seller member as much as the amount of the payment information.

FIG. 7 is a flowchart of settlement of a consumer settlement amount of a method for performing a simple settlement by receiving a credit limit according to a preferred embodiment of the present invention.

The customer automatically transfers the purchase amount from the initial credit limit amount to the account of the guarantee server operator within the contracted date. At this time, the final transfer amount is determined by considering the delinquency rate, exchange rate, and commission.

The guarantee server confirms the purchase amount of the consumer in the database, makes a request for withdrawal to the bank of the guarantee server operator, and the requested amount is automatically transferred from the customer's account to the account of the guarantee server operator.

The method for performing the simple settlement by receiving the credit limit according to the preferred embodiment of the present invention includes the first to fifth steps.

In the first step, the mobile device or the terminal of the member including the consumer or the seller identified by the unique number transmits the payment information including the payment amount to the guarantee server.

The second stage is the process of transferring personal information from the credit provider to whom the member's personal credit limit is provided, including credit card companies, banks, guarantee institutions, insurers, insurers (personal pensions, insurance, etc.) The guarantee server having received the credit limit through the consent receives the settlement information through the first step and accesses the database.

In the third step, if the guarantee server confirms the credit limit of the consumer member corresponding to the payment information in the database in which the information on the credit limit of each member is stored, if the amount of the payment information exceeds the confirmed credit limit, If the amount is within the credit limit, the credit amount is deducted from the credit amount.

In the fourth step, the guarantee server increases the seller credit limit by the amount of the payment information and stores it in the database.

The fifth step is a step in which the assurance server transmits the approval or rejection approved or rejected in the third step to the mobile device or the terminal of the consumer and the seller.

Accordingly, the present invention can easily perform mobile settlement or online settlement using ICT without a POS terminal regardless of a location, and can perform both functions by breaking down the boundary between a consumer and a seller.

It will be apparent to those skilled in the art that various modifications, substitutions and substitutions are possible, without departing from the scope and spirit of the invention as disclosed in the accompanying claims. will be. Therefore, the embodiments disclosed in the present invention and the accompanying drawings are intended to illustrate and not to limit the technical spirit of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments and the accompanying drawings . The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

Claims (3)

(a) transmitting, to a guarantee server, payment information including a payment amount and GPS information by a mobile device or a terminal of a member including a consumer or a seller identified by a unique number;
(b) through the member's personal consent from the credit provider on which the member's personal credit line is provided, including credit card companies, banks, guarantee institutions, insurers, personal pensions, insurers including insurance, Receiving the payment information through the step (a) and accessing the database;
(c) If the guarantee server confirms the credit limit of the consumer member corresponding to the payment information in the database where the information on the credit limit of each member is stored, if the amount of the payment information exceeds the confirmed credit limit, Subtracting from the credit limit as much as the amount of the settlement information;
(d) increasing the credit limit of the merchant by the amount of the settlement information and storing it in the database; And
(e) transmitting, by the assurance server, to the mobile device or the terminal of the consumer and the seller, whether the approval or rejection is approved in the step (c)
And a method of performing simple settlement using ICT by receiving information including a credit limit. The method according to claim 1,
When the seller intends to cash the amount of the payment information, the guarantee server checks the credit limit of the seller member in the database, subtracts the credit limit of the seller member from the amount of the payment information when the amount of the payment information is within the credit limit,
A method in which the guarantee server receives information including a credit limit, which requests a bank to transfer an amount of the settlement information to the account of the seller member to the bank, and performs a simple settlement using the ICT. 3. The method according to claim 1 or 2,
A method of performing simple settlement using ICT by receiving information including a credit limit including an amount of payment information, an additional reserve due to an event, a prize or a reserve for a prize, and a reserve.

Images