KR20170034731A - User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon - Google Patents

User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon Download PDF

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Publication number
KR20170034731A
KR20170034731A KR1020150133416A KR20150133416A KR20170034731A KR 20170034731 A KR20170034731 A KR 20170034731A KR 1020150133416 A KR1020150133416 A KR 1020150133416A KR 20150133416 A KR20150133416 A KR 20150133416A KR 20170034731 A KR20170034731 A KR 20170034731A
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payment
information
user
service providing
user device
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KR1020150133416A
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Korean (ko)
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곽세병
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에스케이플래닛 주식회사
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Priority to KR1020150133416A priority Critical patent/KR20170034731A/en
Priority to US15/261,064 priority patent/US20170083889A1/en
Priority to CN201610827057.8A priority patent/CN106934614B/en
Publication of KR20170034731A publication Critical patent/KR20170034731A/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
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The present invention discloses a user device, a service providing device, a POS terminal, payment system comprising the same, a control method thereof and a computer readable medium having a computer program recorded thereon. That is, the present invention collects contributions from participants participating in partial payment at the time of partial payment through a temporary account, allows a representative payer to perform payment function through a user device if all the necessary contributions are collected, and then provides the collected contributions through the user device owned by the representative payer if the payment function is normally performed, distributing points to each participant when the points are generated due to the execution of payment function, and activating a corresponding partial payment service. So, the points can be partially distributed to the participants.

Description

TECHNICAL FIELD [0001] The present invention relates to a user equipment, a service providing apparatus, a POS terminal, a payment system including the same, a control method thereof, and a recording medium on which a computer program is recorded medium having computer program recorded thereon}

The present invention relates to a user apparatus, a service providing apparatus, a POS terminal, a payment system including the same, a control method thereof, and a recording medium on which a computer program is recorded. Collects all necessary contributions, performs a payment function through the user device held by the representative payer, and provides the collected contribution to the user device held by the corresponding payer when the payment function is normally performed A POS terminal, a payment system including the POS terminal, a control method thereof, and a recording medium on which the computer program is recorded. .

However, most of the participants have to select individual participants to participate, and then, in the total payment amount, an individual participant can enter an amount to be paid or an equal division is assigned to each participant, And the like.

This is merely a conversion from the existing Dutch payment method, in which cash is simply paid out, to a method in which the terminal is used, and since the POS terminal itself supports partial payment, the necessity of using the service through such complicated operations is low.

In addition, if the individual contribution amount is provided through the Dutch paper, since the amount of payment per person is small, the amount of discount or the benefit of the payment method is not satisfied, , You will lose the opportunity to lower your total billing amount.

Accordingly, there is a discussion on a partial payment method in which a partial settlement participant capable of providing an optimal discount on the total settlement amount performs a representative settlement, and the remaining participants provide an attributable amount to the representative settlement person. However, Since the settlement between the representative settlement person and the participant is performed between the participants and not between the participants, such settlement may not be performed, and various payment means are used, so that the settlement situation can not be managed by the service provision device, There is also a problem that it takes up all the points generated as a result of self-settlement.

In addition, in the case of the Dutch payment method, since the non-subscriber who does not subscribe to the partial payment service or the electronic wallet service linked to the partial payment service can not be subject to partial payment, the partial payment service can not be used universally

Korean Patent Laid-Open Publication No. 10-2013-0089896 [Title: Portable terminal having a Dutch payment function, payment terminal and payment agent server, payment method and payment agent method using the same]

An object of the present invention is to provide a system and method for allowing a user who is not a subscriber to participate in a partial payment, A POS terminal, a payment system including the POS terminal, a control method thereof, and a recording medium on which a computer program is recorded.

Another object of the present invention is to provide a user apparatus, a service providing apparatus, a POS terminal, a payment system including the payment apparatus, a control method thereof, and a recording medium on which a computer program is recorded, There is.

It is still another object of the present invention to provide a method and system for distributing a payment to a representative settlement company, in which a remaining participant for settlement settlement is delivered to a temporary account before the actual settlement in advance, A POS terminal, a payment system including the POS terminal, a control method thereof, and a recording medium on which a computer program is recorded.

A payment terminal according to an exemplary embodiment of the present invention includes a POS terminal for transmitting information on one or more goods to be paid and identification information of a POS terminal when performing a partial payment for one or more goods; The method comprising: performing a partial payment participation registration procedure for a plurality of user apparatuses participating in partial payment, creating a temporary account for partial payment, calculating a total payment amount for one or more items to be paid and a plurality of user apparatuses A service providing apparatus for setting an amount of contribution for each participant based on the number of participants, and transmitting information on contributions and temporary accounts for each participant to a plurality of user apparatuses participating in the partial settlement; And a plurality of user devices for delivering the contributions set for each participant to the temporary account based on the information on the contribution per participant and the temporary account transmitted from the service providing device.

As an example related to the present invention, the temporary account may be an account for receiving a predetermined point that can be used in a plurality of predetermined sites, an account for transferring cash, and an account for receiving at least one of a point and cash have.

As an example related to the present invention, the contribution per participant may be set through any one of a method of equal payment, a method of registering for each user device in the partial payment participation registration procedure, .

As an example related to the present invention, a service providing apparatus may be configured such that, in a user apparatus corresponding to a member who has not entered the service providing apparatus among a plurality of user apparatuses, And information about the temporary account.

As an example associated with the present invention, an ancillary fee may include at least one of points and cash available at a predetermined site.

As one example related to the present invention, when all the actual payment amounts are collected in the temporary account, the service providing apparatus may include at least one benefit information that can be provided to the settlement representative user device, The payment representative user device receives the payment card type corresponding to the user input and the PIN number corresponding to the payment card type, and transmits the payment card type PIN number, and identification information of the payment representative user device.

As an example related to the present invention, the service providing device checks card information, user information, and benefit information corresponding to a PIN number transmitted from a payment representative user device, and corresponds to at least one item of goods to be paid, an actual payment amount, and a PIN number The payment server transmits the card information, the user information, and the benefit information to the payment server, and the payment server performs a payment function for the actual payment amount corresponding to one or more pieces of merchandise information to be paid based on the card information, the user information, The earned points accumulated according to the payment function execution result and the payment function execution can be transmitted to the service providing apparatus.

As an example related to the present invention, a service providing apparatus transmits a payment function execution result to each of a plurality of user apparatuses participating in a partial payment, and when an accumulation point accumulated according to the execution of a payment function occurs, an accumulation point Can be distributed.

A method of controlling a billing system according to an exemplary embodiment of the present invention includes transmitting information on one or more goods to be settled and identification information of a POS terminal when performing a partial payment for one or more goods through a POS terminal; Performing a partial payment participation registration procedure by interworking with a service providing apparatus through a plurality of user apparatuses; Generating a temporary account for the partial payment through the service providing apparatus; Setting a contribution amount for each participant based on a total payment amount for one or more goods to be paid and a number of user devices participating in the partial payment through the service providing device; Transmitting information on contributions per participant and temporary accounts through a service providing apparatus to a plurality of user apparatuses participating in partial payment, respectively; And delivering the contribution amount set for each participant to the temporary account based on the information on the contributions per participant and the temporary account through the plurality of user devices.

As one example related to the present invention, when all the actual payment amounts are collected in the provisional account through the service provision device, one or more benefit information that can be provided to the settlement representative user device in the settlement representative user device set out of the plurality of user devices, Transmitting a recommendation card list including a recommendation card, at least one item information to be settled, and an actual settlement amount; Receiving, via the payment representative user device, a payment card type corresponding to a user input and a PIN number corresponding to a payment card type; Transmitting identification information of a payment card type, a PIN number, and a payment representative user device through a payment representative user device; Confirming card information, user information, and benefit information corresponding to a PIN number transmitted from the payment representative user device via the service providing device; Transmitting, via the service providing apparatus, one or more pieces of merchandise information to be paid, an actual payment amount, card information corresponding to the PIN number, user information, and benefit information to the payment server; Performing a payment function for an actual payment amount corresponding to at least one item of goods information to be paid based on the card information, the user information, and the benefit information through the payment server; Transmitting to the service providing apparatus an earning point accumulated according to a payment function execution result and a payment function execution through a payment server; Transmitting a result of performing the payment function to a plurality of user devices participating in the partial payment through the service providing device; Providing, via the service providing apparatus, the collected actual payment amount to the representative settlement user device; And distributing the earning point based on the contribution amount per participant when the earning point accumulated according to the performance of the payment function occurs through the service providing apparatus.

A computer program for carrying out the method according to the above-described embodiment may be stored in the recording medium on which the computer program according to the embodiment of the present invention is recorded.

In the present invention, in performing the partial settlement, after the settlement is made in the user device held by the representative payer, the remaining participants clearly provide the contribution to the representative payer, and a user who does not subscribe to the related service participates in the partial settlement It is possible to activate the partial payment service.

In addition, the present invention divides the points generated according to the representative settlement to the participants and delivers them, thereby providing a service satisfactory to all participants participating in the partial settlement.

In addition, according to the present invention, the remaining participants for settlement settlement payment are delivered to the temporary account in advance before the actual settlement, and when the representative settlement person actually makes the settlement, the collected total cost is transferred to the representative settlement person, There is an effect that promotion of utilization can be promoted.

1 is a block diagram showing a configuration of a payment system according to an embodiment of the present invention.
2 is a cross- FIG. 8 is a block diagram illustrating a configuration of a user apparatus according to an embodiment of the present invention.
3 is a block diagram illustrating a configuration of a payment system according to another embodiment of the present invention.
4 to 5 are flowcharts illustrating a method of controlling a payment system according to an embodiment of the present invention.
6 to 7 are views illustrating screens of a user apparatus according to an embodiment of the present invention.

It is noted that the technical terms used in the present invention are used only to describe specific embodiments and are not intended to limit the present invention. In addition, the technical terms used in the present invention should be construed in a sense generally understood by a person having ordinary skill in the art to which the present invention belongs, unless otherwise defined in the present invention, Should not be construed to mean, or be interpreted in an excessively reduced sense. In addition, when a technical term used in the present invention is an erroneous technical term that does not accurately express the concept of the present invention, it should be understood that technical terms that can be understood by a person skilled in the art can be properly understood. In addition, the general terms used in the present invention should be interpreted according to a predefined or prior context, and should not be construed as being excessively reduced.

Furthermore, the singular expressions used in the present invention include plural expressions unless the context clearly dictates otherwise. The term "comprising" or "comprising" or the like in the present invention should not be construed as necessarily including the various elements or steps described in the invention, Or may further include additional components or steps.

Furthermore, terms including ordinals such as first, second, etc. used in the present invention can be used to describe elements, but the elements should not be limited by terms. Terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, wherein like reference numerals refer to like or similar elements throughout the several views, and redundant description thereof will be omitted.

In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail. It is to be noted that the accompanying drawings are only for the purpose of facilitating understanding of the present invention, and should not be construed as limiting the scope of the present invention with reference to the accompanying drawings.

1 is a block diagram showing a configuration of a settlement system 10 according to an embodiment of the present invention.

1, the billing system 10 includes a user apparatus 100, a beacon 200, a service providing apparatus 300, a POS terminal 400, and a payment server 500. Not all of the components of the billing system 10 shown in Fig. 1 are essential components, and the billing system 10 may be implemented by more components than the components shown in Fig. 1, The payment system 10 may also be implemented.

The user device 100 may be a smart phone, a portable terminal, a mobile terminal, a personal digital assistant (PDA), a portable multimedia player (PMP) terminal, a telematics terminal, A portable terminal, a navigation terminal, a personal computer, a notebook computer, a slate PC, a tablet PC, an ultrabook, a wearable device (for example, a watch type A smart TV, a digital broadcasting terminal, a television (TV), a digital television (TV), a digital television (TV) A home theater system, an AVN (Audio Video Navigation) terminal, an A / V (Audio / Video) system, a flexible terminal, and the like.

2, the user device 100 includes a user device communication unit 110, a user device storage unit 120, a user device display unit 130, a user device audio output unit 140, and a user device control unit 150 ). Not all of the components of the user device 100 shown in Fig. 2 are required, and the user device 100 may be implemented by more components than the components shown in Fig. 2, The user device 100 may be implemented.

The user device communication unit 110 communicates with any one of the internal components or external at least one terminal through a wired / wireless communication network. At this time, an external arbitrary terminal may include a beacon 200, a service providing device 300, a POS terminal 400, a payment server 500, and the like. Here, the wireless Internet technology includes a wireless LAN (WLAN), a digital living network alliance (DLNA), a wireless broadband (Wibro), a world interoperability for a microwave (WiMAX), a high speed downlink packet access ), HSUPA (High Speed Uplink Packet Access), IEEE 802.16, Long Term Evolution (LTE), Long Term Evolution-Advanced (LTE-A), Wireless Mobile Broadband Service (WMBS) And the user device communication unit 110 transmits and receives data according to at least one wireless Internet technology in a range including Internet technologies not listed above. In addition, the near field communication technology includes Bluetooth, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), UWB (Ultra Wideband), ZigBee, Near Field Communication (NFC) , Ultra Sound Communication (USC), Visible Light Communication (VLC), Wi-Fi, and Wi-Fi Direct. The wired communication technology may include a power line communication (PLC), a USB communication, an Ethernet, a serial communication, an optical / coaxial cable, and the like.

In addition, the user device communication unit 110 can transmit information to and from an arbitrary terminal through a universal serial bus (USB).

In addition, the user equipment communication unit 110 may be configured to communicate with a plurality of mobile communication systems, such as a mobile communication system, a mobile communication system, a mobile communication system, a mobile communication system, a mobile communication system, (HSDPA), High Speed Uplink Packet Access (HSUPA), Long Term Evolution (LTE), LTE (High Speed Downlink Packet Access) The beacon 200, the service providing device 300, the POS terminal 400, the payment server 500, and the like on a mobile communication network constructed according to a service provider's name,

The user device communication unit 110 may also be configured to transmit the identification information of the beacon 200 transmitted from the beacon 200 or the unique identification information of the store having the beacon 200, ).

The user device storage unit 120 stores various user interfaces (UI), a graphical user interface (GUI), and the like.

Also, the user device storage unit 120 stores data and programs necessary for the user device 100 to operate.

That is, the user device storage unit 120 may store a plurality of application programs (application programs or applications) driven by the user device 100, data for operation of the user device 100, and commands. At least some of these application programs may be downloaded from the external service providing device via wireless communication. Also, at least some of these applications may reside on the user device 100 since the time of shipment for the basic functions (e.g., phone call incoming, outgoing, message receiving, originating functions) of the user device 100. The application program may be stored in the user device storage unit 120 and may be installed in the user device 100 and may be operated by the user device control unit 150 to perform the operation have.

The user device storage unit 120 may be a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (for example, SD or A random access memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM) , And a programmable read-only memory (PROM). In addition, the user device 100 may operate web storage or operate in association with web storage to perform the storage function of the user device storage unit 120 on the Internet.

The user device storage unit 120 stores identification information of the corresponding beacon 200 received through the user device communication unit 110 under the control of the user device controller 150 Unique identification information).

The user device display unit 130 may display various contents such as various menu screens by using the user interface and / or graphical user interface stored in the user device storage unit 120 under the control of the user device controller 150. [ Here, the content displayed on the user device display unit 130 includes various text or image data (including various information data) and a menu screen including data such as an icon, a list menu, and a combo box. Also, the user device display unit 130 may be a touch screen.

The user device display unit 130 may be a liquid crystal display (LCD), a thin film transistor-liquid crystal display (TFT LCD), an organic light-emitting diode (OLED) And may include at least one of a flexible display, a 3D display, an e-ink display, and a light emitting diode (LED).

In addition, the user device display unit 130 may be configured as a stereoscopic display unit for displaying a stereoscopic image.

In the stereoscopic display unit, a three-dimensional display system such as a stereoscopic system (glasses system), an autostereoscopic system (no-glasses system), a projection system (holographic system) can be applied.

The user device display unit 130 displays the identification information of the beacon 200 received through the user device communication unit 110 under the control of the user device controller 150 Identification information).

The user device audio output unit 140 outputs audio information included in the signal processed by the user device control unit 150. Here, the user device audio output unit 140 may include a receiver, a speaker, a buzzer, and the like.

Also, the user device audio output unit 140 outputs the guidance audio generated by the user device control unit 150.

The user device audio output unit 140 outputs the identification information of the corresponding beacon 200 received through the user device communication unit 110 under the control of the user device controller 150 (I.e., unique identification information of the user).

The user device control unit 150 executes the overall control function of the user device 100. [

The user device controller 150 executes the overall control functions of the user device 100 using the programs and data stored in the user device storage unit 120. [ The user device controller 150 may include a RAM, a ROM, a CPU, a GPU, and a bus, and the RAM, the ROM, the CPU, and the GPU may be connected to each other via a bus. The CPU accesses the user device storage unit 120 and performs booting using the O / S stored in the user device storage unit 120. The CPU can access various programs stored in the user device storage unit 120, And the like.

In addition, the user device control unit 150 performs the membership registration procedure for the user of the user device 100 by interlocking with the service providing device 300.

The user device control unit 150 must complete the authentication function through the authentication means (for example, a mobile phone, a credit card, an Ipfin, an e-mail, etc.) The subscription process can be completed normally.

When the user having the user device 100 enters the store, the user device control unit 150 determines whether the beacon 200 has been received from the beacon 200 The unique identification information of the store).

The user device controller 150 also stores unique identification information of the received beacon 200 (or the unique identification information of the store where the beacon 200 is provided), identification information of the user device 100, 110 to the service providing apparatus 300. Here, the identification information of the user device 100 includes a mobile directory number (MDN), a mobile IP, a mobile MAC, a SIM (subscriber identity module) card unique information, and a serial number.

If the user of the user device control unit 150 is not a registered member of the service providing apparatus 300 in advance, the user device control unit 150 may transmit the guide information related to membership registration provided from the service providing apparatus 300 And performs a membership registration procedure for the corresponding user device 100 (or the user of the user device 100).

When the user of the user device controller 150 is a member registered in advance in the service providing apparatus 300, the user device controller 150 transmits unique identification information of the transmitted beacon 200 (or the corresponding beacon 200) One or more pieces of advertisement information, one or more benefit information, a recommended card list, and the like transmitted from the service providing apparatus 300 in response to the identification information of the user apparatus 100, ≪ / RTI > Here, the benefit information includes coupon information, membership benefit information, discount benefit information, earned benefit information, and the like. In addition, the recommended card list includes one or more cards that are applicable to the benefit information among a plurality of cards (or one or more cards) previously issued to the user device 100.

Also, the user device controller 150 outputs the received one or more pieces of advertisement information, benefit information, recommendation card list, etc. through the user device display unit 130 and / or the user device audio output unit 140.

Also, the user device control unit 150 confirms one payment card (or unique identification information of the payment card) selected from a plurality of payment cards registered (or issued) in a specific application installed in advance in the user device 100 do.

Also, the user device controller 150 may check the payment card selected from the recommended card list transmitted from the service providing device 300. [

In addition, the user device control unit 150 may be configured to receive at least one of the plurality of payment cards registered in advance in the user device 100 based on the one or more benefit information provided from the service providing device 300, And displays the generated recommendation card list on the user device display unit 130. [0156] FIG. Also, one payment card selected from the recommended card list displayed on the user device display unit 130 can be confirmed.

Also, the user device controller 150 receives a personal identification number (PIN) corresponding to a user input through a specific application installed in the user device 100 in advance. Here, the PIN number may be a PIN number corresponding to the identified payment card type.

Also, the user device controller 150 transmits the confirmed payment card type (or unique identification information of the payment card), the PIN number, the identification information of the user device 100, etc. to the service providing device 300 .

Also, the user device controller 150 receives the token transmitted from the service providing device 300 through the user device communication unit 110 in response to the previously transmitted PIN number.

In addition, the user device controller 150 generates a barcode (or QR code (Quick Response code)) including the received token (or token information) and the identification information of the user device 100.

In addition, the user device controller 150 stores the generated barcode (or QR code) in the user device storage unit 120.

When the payment method is selected in a predetermined manner through a specific application installed in the user device 100 in advance, the user device controller 150 displays barcode information (or QR code) corresponding to the barcode (or QR code) Information to the POS terminal 400 via the user device communication unit 110. [ Here, the barcode information (or QR code information corresponding to the QR code) corresponding to the barcode includes a token (or token information), identification information of the user device 100, and the like. At this time, the settlement methods include cash settlement, card settlement, electronic settlement, and the like, and the predetermined method may be electronic settlement.

As described above, when the user apparatus 100 and the POS terminal 400 are connected through a wire / wireless communication method, the barcode information (or QR code information) can be transmitted from the user apparatus 100 to the POS terminal 400.

When the user device 100 and the POS terminal 400 are not connected via a wire / wireless communication method, a user of the user device 100 may receive a preset connection via a specific application installed in the user device 100 (Or QR code) displayed on the user device display unit 130 may be recognized (or scanned / tagged) by the POS terminal 400. In this case,

In addition, after the payment function is performed for one or more goods (or services) to be selected by the user of the corresponding user device 100 based on the previously transmitted barcode information (or QR code information), the user device controller 150 Through the user device communication unit 110, a payment function execution result transmitted from the POS terminal 400 (or the service providing device 300) in response to the barcode information (or QR code information) transmitted previously.

Also, the user device controller 150 outputs the received payment function execution result through the user device display unit 130 and / or the user device voice output unit 140.

In addition, the user device 100 may further include an interface unit (not shown) that serves as an interface with all the external devices connected to the user device 100. For example, the interface unit may include a wired / wireless headset port, an external charger port, a wired / wireless data port, a memory card port, a port for connecting a device having an identification module, an audio I / Input / output (I / O) port, video I / O (input / output) port and earphone port. Here, the identification module is a chip that stores various information for authenticating the usage right of the user device 100, and includes a user identity module (UIM), a subscriber identity module (SIM) A Universal Subscriber Identity Module (USIM), and the like. In addition, a device provided with the identification module can be manufactured in a smart card format. Thus, the identification module can be connected to the user device 100 via the port. The interface unit receives data from an external device or receives power and transmits the data to each component in the user device 100 or data in the user device 100 is transmitted to an external device.

The interface unit may be a path through which power from the cradle is supplied to the user device 100 when the user device 100 is connected to an external cradle or various command signals input from the cradle by the user, (Not shown). The various command signals input from the cradle or the corresponding power source may be operated as a signal for recognizing that the user device 100 is correctly mounted on the cradle.

The user device 100 also includes an input unit (not shown) for receiving a command or a control signal generated by an operation such as a button operation by the user or a signal according to an arbitrary function selection or a touch / Not shown).

The input unit may include at least one of a command, a selection, data, and information of a user. The input unit may include a plurality of input keys and function keys for inputting numeric or character information and setting various functions.

The input unit may include a key pad, a dome switch, a touch pad (static / static), a touch screen, a jog wheel, a jog switch, a jog shuttle, a mouse, , A stylus pen, a touch pen, and the like can be used. Particularly, when the user device display unit 130 is formed as a touch screen, some or all of the functions of the input device can be performed through the user device display unit 130. [

In addition, each component (or module) of user device 100 may be software stored on the memory (or user device storage 120) of user device 100. The memory may be an internal memory of the user device 100 and may be an external memory or other type of storage device. Further, the memory may be a non-volatile memory. The software stored on the memory may include a set of instructions that, when executed, cause the user device 100 to perform certain operations.

The beacon 200 communicates with the user device 100, the POS terminal 400, and the like.

The beacon 200 also receives store information related to a store provided with the corresponding beacon 200 transmitted from the POS terminal 400 and unique identification information of the store in which the beacon 200 is provided.

The beacon 200 broadcasts (or transmits) store information, identification information of the beacon 200 (or unique identification information of a store in which the beacon 200 is provided), and the like.

The service providing apparatus 300 communicates with the user apparatus 100, the POS terminal 400, the payment server 500, and the like.

The service providing apparatus 300 includes a user apparatus communication unit 110 included in the user apparatus 100, a user apparatus storage unit 120, a user apparatus display unit 130, a user apparatus audio output unit 140, (Not shown), a display unit (not shown), an audio output unit (not shown), and a control unit (not shown), which correspond to the control unit 150, respectively.

In addition, the service providing apparatus 300 performs a membership subscription procedure for the user of the corresponding user device 100 by interlocking with the user apparatus 100, respectively.

In addition, the service providing apparatus 300 receives unique identification information of the beacon 200 transmitted from the user apparatus 100, identification information of the user apparatus 100, and the like.

The service providing apparatus 300 may also be configured to allow the user corresponding to the user apparatus 100 to register with the service providing apparatus 300 in advance based on the received identification information of the corresponding user apparatus 100 (Or confirms) whether or not it is.

If the result of the determination (or the result of the check) is that the user corresponding to the user device 100 is not a member registered in advance in the service providing apparatus 300, the service providing apparatus 300 transmits the guide information related to membership registration, (100).

The service providing apparatus 300 also performs a membership registration procedure for the user apparatus 100 (or the user of the user apparatus 100) by interlocking with the user apparatus 100. [

When the user corresponding to the user device 100 is a member registered in advance in the service providing apparatus 300, the service providing apparatus 300 transmits the beacon 200 received previously, Of the plurality of advertisement information and the plurality of benefit information stored in advance based on the unique identification information of the user device 100 and the identification information of the user device 100, Information, and one or more benefits information.

In addition, the service providing apparatus 300 may include a recommended recommendation card including at least one recommendation card capable of applying (or reflecting) the benefit information among a plurality of cards issued to the user apparatus 100 based on the one or more benefit information that has been confirmed. Create a card list. Here, the benefit information includes coupon information, membership benefit information, discount benefit information, earned benefit information, and the like.

In addition, the service providing apparatus 300 may include at least one advertisement information, at least one benefit information, at least one recommendation card, and at least one recommendation card list including at least one advertisement information that can be provided to the corresponding user apparatus 100, And the like to the user device 100.

That is, when the user corresponding to the user apparatus 100 is a member registered in advance in the service providing apparatus 300, the service providing apparatus 300 selects the corresponding beacon 200) corresponding to the unique identification information. In addition, the service providing device 300 checks one or more pieces of advertisement information, benefit information, and the like that can be provided to the corresponding user device 100 in the corresponding store based on the confirmed store information and the identification information of the received user device 100 . Also, the service providing apparatus 300 generates a recommendation card list including one or more cards to which the benefit information can be applied, from among a plurality of cards (or one or more cards) previously issued to the user apparatus 100. In addition, the service providing device 300 transmits to the user device 100 the identified one or more pieces of advertisement information, one or more benefit information, a generated recommendation card list, and the like.

Also, the service providing apparatus 300 receives the type of payment card transmitted from the user apparatus 100, the PIN number, the identification information of the user apparatus 100, and the like.

In addition, the service providing apparatus 300 generates a token (or disposable token, token information, temporary token) corresponding to the received PIN number. Here, the token is a temporary token, randomly generated corresponding to the PIN number, and may be a state in which the number of times of use or the use period is set in advance. At this time, the service providing apparatus 300 may generate a token corresponding to the received PIN number and payment card type.

Also, the service providing apparatus 300 manages (or stores) the generated token in association with the type of payment card, the PIN number, the identification information of the user apparatus 100, and the like.

Also, the service providing apparatus 300 transmits the generated token (or the token corresponding to the PIN number, the PIN number, and the token corresponding to the payment card type) to the user device 100.

In order to perform an authentication function for a corresponding user before performing a payment function for a corresponding product with respect to one or more goods (or services) to be settled by the user of the user device 100, And receives bar code information (or QR code information) transmitted from the payment server 500.

The service providing apparatus 300 also checks whether the token in the corresponding bar code information (or QR code information) is valid based on the token in the received bar code information (or QR code information) and the identification information of the user apparatus 100 do.

That is, the service providing apparatus 300 stores the token in the received barcode information (or QR code information) and the identification information of the user device 100 in the identification information of the user apparatus for each of a plurality of tokens stored in advance (or issued in advance) Whether the corresponding token and the identification information of the user equipment are included (or are present).

In this way, the service providing apparatus 300 can verify the validity of the issued token.

As a result, the token in the received barcode information (or QR code information), the token corresponding to the identification information of the user device 100, and the token in the user device 100, If the identification information of the device is not included, that is, if the token in the received barcode information (or QR code information) is invalid, the service providing device 300 transmits the authentication failure information to the payment server 500.

As a result of the confirmation, the token in the received barcode information (or QR code information) and the token corresponding to the identification information of the user device 100 are stored in the identification information of the plurality of tokens in the user device 100 stored in advance in the service providing device 300 And the token in the received barcode information (or QR code information) is valid, the service providing apparatus 300 transmits the barcode information (or QR code information) included in the received barcode information User information, benefit information, and the like corresponding to the identification information of the payment server 500 (100). At this time, the service providing apparatus 300 transmits a payment card type (or a PIN managed in association with the corresponding payment card type / token, which is confirmed based on the token generated in correspondence with the PIN number and the payment card type, User information, benefit information, and the like corresponding to the payment card type, the type of the payment card that is confirmed based on the identification number, the type of the payment card, and the identification information of the user device). Here, the card information includes a card number, an expiration date, a CVC (card verification code) number, a user name, and the like. Also, the user information includes a user name, date of birth, address, image, and the like. In addition, the benefit information includes coupon information, membership benefit information, discount benefit information, and earned benefit information.

That is, when the token in the received bar code information (or QR code information) is valid as a result of checking, the service providing apparatus 300 corresponds to the identification information of the user apparatus 100 in the received bar code information (or QR code information) User information, benefit information, and the like stored in advance in the service providing apparatus 300 with respect to the user (or the user apparatus 100) who performs the payment, and confirms the card information, user information, To the server (500). At this time, the service providing apparatus 300 confirms the card information, the user information, the benefit information, and the like corresponding to the type of the payment card transmitted from the user apparatus 100, and transmits the confirmed card information, user information, Or may be transmitted to the server 500.

Also, the service providing apparatus 300 receives a payment function execution result (or payment information) transmitted from the payment server 500. [

In addition, the service providing apparatus 300 stores the received payment function execution result in association with the identification information of the corresponding user apparatus 100.

Also, the service providing apparatus 300 may transmit the received payment function execution result to the user apparatus 100 corresponding to the identification information of the corresponding user apparatus 100.

Also, the service providing apparatus 300 may be implemented in the form of a web server, a database server, a proxy server, or the like. In addition, the service providing apparatus 300 may be provided with at least one of a network load balancing mechanism, and various software for allowing the service providing apparatus 300 to operate on the Internet or another network, Can be implemented. The network may also be an http network, a private line, an intranet or any other network. Furthermore, the connection of the service providing device 300 and the user device 100 may be connected to the secure network so that the data is not attacked by any hacker or other third party. In addition, the service providing apparatus 300 may include a plurality of database servers, and the database server may be implemented in such a manner that the database servers are separately connected to the service providing apparatus 300 through any type of network connection including a distributed database server architecture .

Further, a processor mounted on the user apparatus 100 or the service providing apparatus 300 according to the present invention can process program instructions for executing the method according to the present invention. In one implementation, the processor may be a single-threaded processor, and in other embodiments, the processor may be a multi-threaded processor. Further, the processor is capable of processing instructions stored on a memory or storage device.

A POS (Point of Sales) terminal 400 communicates with a user apparatus 100, a beacon 200, a service providing apparatus 300, a payment server 500, and the like.

The POS terminal 400 includes a user device communication unit 110 included in the user device 100, a user device storage unit 120, a user device display unit 130, a user device audio output unit 140, (Not shown), a display unit (not shown), a sound output unit (not shown), and a control unit (not shown), respectively.

The POS terminal 400 also transmits to the beacon 200 store information related to the store where the beacon 200 (or the corresponding POS terminal) is provided, unique identification information of the store where the beacon 200 is provided .

In addition, the POS terminal 400 can scan (or recognize) a barcode attached to a product to be paid for one or more items to be paid (or a payment product / service) selected by the user of the user device 100 )do.

In addition, the POS terminal 400 displays product information for one or more items to be scanned (or recognized). Here, the product information includes a product name, a product unique code, a unit price, a quantity, an amount, a total total amount, and the like.

When the user device 100 is not connected to the POS terminal 400 through the wired / wireless communication method, the user of the user device 100 may receive the preset application through the specific application installed in the user device 100 The POS terminal 400 recognizes (or scans / tags) the bar code (or QR code) displayed on the corresponding user device 100. [

In addition, the POS terminal 400 receives bar code information (or QR code information) transmitted from the user device 100. [

When the POS terminal 400 recognizes the bar code (or QR code) displayed on the user device 100, the POS terminal 400 confirms the recognized bar code information (or QR code information)

In addition, the POS terminal 400 displays or stores the received (or verified) bar code information (or QR code information).

The POS terminal 400 also transmits to the payment server 500 one or more pieces of merchandise information to be paid (or merchandise information to be recognized), barcode information (or QR code information), identification information of the POS terminal 400, do.

In addition, the POS terminal 400 receives the authentication failure information transmitted from the payment server 500 in response to the barcode information (or QR code information) transmitted to the payment server 500.

In addition, the POS terminal 400 displays the received authentication failure information.

In addition, the POS terminal 400 may transmit the received authentication failure information to the user device 100. [

Also, immediately before the payment function for one or more products selected by the user of the user device 100 is performed based on the barcode information (or QR code information) transmitted to the payment server 500, And receives user information transmitted from the server 500. Here, the user information includes a user name, date of birth, address, image, etc. related to the user corresponding to the identification information of the user device 100.

Also, the POS terminal 400 displays the received user information.

In addition, the user of the POS terminal 400 confirms the image of the user information displayed on the corresponding POS terminal 400 and the user of the user device 100 desiring to pay the corresponding goods, The POS terminal 400 receives the information indicating the user agreement according to the user input of the POS terminal 400. In this case,

In addition, the POS terminal 400 transmits information indicating the received user agreement, identification information of the POS terminal 400, and the like to the payment server 500.

When the payment function for one or more products selected by the user of the user device 100 is normally performed based on the barcode information (or QR code information) transmitted to the payment server 500, (Or payment information) transmitted from the payment server 500 in response to the barcode information (or QR code information) transmitted to the payment server 500. Here, the payment function execution result (or the payment information Includes a product name, a product specific code, a unit price, a quantity, a discount amount, a coupon application availability, an amount, a total total amount, a payment date and time information, and a payment card type.

Also, the POS terminal 400 transmits the received payment function execution result to the user device 100. [

In addition, the POS terminal 400 may output the received payment function execution result through a print such as a receipt.

The payment server 500 communicates with the user device 100, the service providing device 300, the POS terminal 400, and the like.

The payment server 500 includes a user device communication unit 110 included in the user device 100, a user device storage unit 120, a user device display unit 130, a user device audio output unit 140, (Not shown), a display unit (not shown), a sound output unit (not shown), and a control unit (not shown), respectively.

The settlement server 500 may further include one or more goods information to be paid (or goods information to be recognized) transmitted from the POS terminal 400, barcode information (or QR code information), identification information of the POS terminal 400 Lt; / RTI >

In addition, the payment server 500 transmits the received barcode information (or QR code information) to the service providing apparatus 300 in order to perform the authentication procedure related to the user apparatus 100. [

If the token in the bar code information (or QR code information) transmitted to the service providing apparatus 300 is invalid, the payment server 500 transmits the bar code information (or QR code information) transmitted to the service providing apparatus 300, The authentication failure information transmitted from the service providing apparatus 300 is received.

In addition, the payment server 500 transmits the received authentication failure information to the POS terminal 400.

When the token in the bar code information (or QR code information) transmitted to the service providing apparatus 300 is valid, the payment server 500 responds to the bar code information (or QR code information) transmitted to the service providing apparatus 300 User information, benefit information (or card information, user information, benefit information corresponding to the identification information of the user device 100 in the barcode information (or QR code information)) transmitted from the service providing apparatus 300, And the like.

In addition, the payment server 500 performs a payment function for the payment amount corresponding to the at least one item information to be paid based on the received card information, user information, and benefit information. At this time, the payment server 500 transmits the benefit information corresponding to the benefit information (or the benefit information applicable to the user of the user device 100) transmitted from the service providing device 300 to the price information on the one or more goods to be settled The user can perform a payment function for the payment amount to which the amount is applied.

At this time, just before the payment function is performed, the payment server 500 transmits the user information transmitted from the service providing apparatus 300 to the POS terminal 400.

If the user of the user device 100 intending to pay the corresponding item does not match the image in the user information, the payment server 500 transmits the payment cancellation information for the one or more goods information to the POS terminal 400 Or may perform a settlement function after performing an additional authentication procedure with respect to the corresponding user device 100.

When the user of the user apparatus 100 who intends to settle the product matches the image in the user information, the payment server 500 receives the user information from the POS terminal 400 in response to the user information transmitted to the POS terminal 400 Information indicating the correspondence of the user to be transmitted, identification information of the POS terminal 400, and the like.

In addition, the payment server 500 may perform a payment function for the payment amount corresponding to the at least one item information to be paid based on the received card information, user information, benefit information, and information indicating user agreement.

In addition, the payment server 500 transmits the payment function execution result (or payment information) to the POS terminal 400, the service providing apparatus 300, and the like. Here, the payment function execution result (or payment information) includes a product name, a product unique code, a unit price, a quantity, a discount amount, a coupon application availability, an amount, a total total amount, a settlement date and time information,

3 is a block diagram showing the configuration of the settlement system 10 according to another embodiment of the present invention.

3, the settlement system 10 includes a plurality of user apparatuses 100, a service providing apparatus 300, a POS terminal 400, and a payment server 500. Not all of the components of the billing system 10 shown in Fig. 3 are essential components, and the billing system 10 may be implemented by more components than the components shown in Fig. 3, The payment system 10 may also be implemented.

Each of the plurality of user equipments 100 communicates with the service providing apparatus 300 and registers as a partial payment participant for partial payment. Thereafter, the service providing apparatus 300 creates a temporary account for the partial payment and sets the contribution per participant participating in the partial payment. Then, the service providing apparatus 300 transmits information on contributions per participant, temporary accounts, and the like to a plurality of user apparatuses 100 corresponding to the partial payment participants. Then, each of the plurality of user equipments 100 delivers the contribution based on the contribution amount per participant to the corresponding temporary account. Thereafter, when all of the total amount is collected, the service providing apparatus 300, by interlocking with the payment representative user device 100 corresponding to the representative payer among the plurality of user devices 100, And performs a payment function for the amount. Thereafter, when a point corresponding to the payment is generated after the payment function is performed, the service providing device 300 distributes the points generated according to the contribution amount per participant.

The user device 100 communicates with the service providing apparatus 300, the POS terminal 400, and the like.

When a user of a plurality of user devices 100 wants to perform a partial payment function for one or more goods and / or services selected (or used) in an online / offline store, each of the plurality of user devices 100 transmits, (Or connects) with the service providing apparatus 300 through the device communication unit 110. [

Also, each of the plurality of user devices 100 registers as a partial payment participant for partial payment. At this time, one (or at least one) of the plurality of user devices 100 registers (or selects) the user device 100 with a representative payer (or a payment representative user device) performing an actual payment function. Here, the user device 100 that registers as a representative payer may be a member registered in advance in the service providing device 300.

In addition, each of the plurality of user equipments 100 transmits an amount of contribution (or a user selection) for each user device on the basis of the actual payment amount (or total payment amount) provided from the service providing device 300 for the partial payment, And transmits the contribution amount per participant (or the contribution per user apparatus) received to the service providing apparatus 300, respectively. Here, the actual payment amount may be the same amount as the total payment amount if the benefit information is not applied to the total payment amount.

In addition, each of the plurality of user devices 100 receives information on contributions per participant, provisional accounts, etc. transmitted from the service providing apparatus 300.

In addition, the user device 100 displays information on the contribution amount per participant, temporary account, and the like.

At this time, if the user device 100 is a member who has previously subscribed to the service providing apparatus 300, information on the contribution amount per participant, temporary account, etc. previously received through the app installed in the user device 100 is displayed .

If the user device 100 is not a member who has previously subscribed to the service providing apparatus 300, the user apparatus 100 transmits the received contribution amount per participant, which is transmitted in the form of a text message from the service providing apparatus 300 , Temporary accounts, and the like.

As described above, even if the temporary account is used, even if the user does not subscribe to the payment service provided by the service providing apparatus 300, the cyber money used by the user who does not belong to the service providing apparatus 300 (for example, Etc.), it may be possible to participate in the partial settlement of the non-participant.

In addition, each of the plurality of user devices 100 transmits the contribution corresponding to the corresponding user device 100 among the contributions per participant to the corresponding temporary account in accordance with the user selection (or input / control) of the corresponding user device 100 Or transfer / transfer). At this time, the contribution includes cyber money (for example, points available at a specific site, reserves, etc.), cash, and the like.

In addition, the user device 100 may further register (or transmit) the return information for returning the contribution transferred in advance to the service providing apparatus 300 when the partial payment is canceled.

In addition, the representative user device 100, which is a typical payment device among a plurality of user devices 100, receives one or more items to be paid, a scheduled payment amount, one or more benefit information, one or more recommended cards A list of recommended cards to be included, and the like.

In addition, the payment representative user device 100 displays one or more goods information to be paid, a scheduled payment amount, one or more benefit information, a recommended card list including one or more recommended cards, and the like.

The payment representative user device 100 also receives payment card type (or unique identification information of the payment card), PIN number (or credit card type) corresponding to user input (or user selection) through a specific application installed in advance in the corresponding payment representative user device 100, personal identification number).

That is, the payment representative user device 100 confirms the type of payment card selected (or selected) in accordance with the user input (or user selection) among a plurality of cards registered in advance in the corresponding payment representative user device 100. At this time, the payment representative user device 100 may check the type of the payment card (or the unique identification information of the payment card) for the payment card selected from the list of recommended cards transmitted from the service providing device 300. [

Also, the payment representative user device 100 receives a PIN number according to a user input (or a user selection) through a specific application installed in the payment representative user device 100 in advance. Here, the PIN number may be a PIN number corresponding to the identified payment card type.

Also, the payment representative user device 100 transmits the confirmed payment card type (or unique identification information of the payment card), the PIN number, identification information of the payment representative user device 100, and the like to the service providing device 300. [ At this time, the payment representative user device 100 additionally provides the account information for receiving the actual payment amount (or the total payment amount) collected by the service providing device 300 for the partial payment after the partial payment is normally performed To the service providing apparatus 300.

In addition, when the divided payment is normally performed, the payment representative user device 100 receives (or confirms) the corresponding actual payment amount (or the total payment amount) provided from the service providing device 300. [

If the partial settlement fails, the plurality of user equipments 100 receive the partial settlement failure information transmitted from the service providing apparatus 300, respectively.

In addition, the plurality of user devices 100 respectively display the received partial payment failure information.

Also, upon canceling the partial payment, the user device 100 that has delivered the contribution returns the contribution amount previously transmitted from the service providing device 300. [

Also, when the partial payment is normally performed, the plurality of user devices 100 receive the payment function execution result transmitted from the service providing apparatus 300, and display the received payment function execution result. Here, the result (or billing information) of the payment function may include a product name (or a service name), a product unique code (or a service specific code), a unit price, a quantity, a discount amount, ), Settlement date and time information, payment card type, and the like.

In addition, when there are points to be earned by performing a payment function (or performing a partial payment function) (or when points resulting from the payment are performed after the payment function is performed), each of the plurality of user devices 100 participating in the partial payment, (Or confirms) information on the earned points distributed by the providing apparatus 300. [

The service providing apparatus 300 communicates with the user apparatus 100, the POS terminal 400, the payment server 500, and the like.

When the user of the plurality of user apparatuses 100 desires to perform a partial payment function with respect to a commodity or service selected (or desired to use / purchase) by the users of the plurality of user apparatuses 100, the service providing apparatus 300 may include a plurality of user apparatuses 100 Communication.

That is, when a user of a plurality of user apparatuses 100 attempting to perform partial payment for one or more goods or services in a store or an online shopping mall equipped with the POS terminal 400 expresses a split payment intention at the shop or online shopping mall The service providing apparatus 300 receives information indicating the partial payment transmitted from the POS terminal 400 (or an online shopping mall server (not shown)), the identification information of the POS terminal 400, and the like.

The service providing apparatus 300 further includes a partial payment registration room (for example, A store-and-store) for partial payment based on the information indicating the partial payment transmitted from the POS terminal 400, the identification information of the POS terminal 400, Split payment registration # 123).

The service providing apparatus 300 also allows a plurality of user equipments 100 communicating with the service providing apparatus 300 to access the divided payment registration room so that a plurality of user equipments Perform a partial payment participant registration process for partial payment in the room.

In addition, after the registration process for the partial payment participant is completed (or after the partial payment registration room for partial payment is created), the service providing device 300 creates a temporary account for the partial payment. In this case, the temporary account may be an account for receiving a predetermined point that can be used at a plurality of predetermined sites, an account for transferring cash, an account for receiving points and / or cash, and the like.

In addition, the service providing apparatus 300 confirms the total payment amount for the goods or services selected by the users of the plurality of user apparatuses 100, one or more items to be settled, etc., in cooperation with the POS terminal 400 .

In addition, the service providing apparatus 300 sets the contribution amount per participant based on the total payment amount and the number of the plurality of user apparatuses 100 participating in the partial settlement. At this time, the service providing apparatus 300 checks the payment card having the largest benefit out of one or more payment cards issued to the payment representative user apparatus 100 among the plurality of user apparatuses 100 participating in the partial payment, When paying with the largest payment card, the total amount of payment is set by the participant for the actual payment amount to which the benefit is applied. Herein, the method of setting the contribution amount is a method of setting 1 / n (or evenly charged) based on the number of the plurality of user devices 100, a method of setting an actual payment amount (or a total payment amount) (Or the total payment amount) in the service providing device 300, and then transmits the actual payment amount (or the total payment amount) to the plurality of user devices 100 And a method of receiving a contribution amount for each user device transmitted by each user device in response to the request. Also, the payment representative user device 100 may be one of a plurality of user devices 100 participating in the partial payment.

In addition, the service providing apparatus 300 transmits information on contributions per participant, temporary accounts, and the like to a plurality of user apparatuses 100 participating in partial payment.

At this time, if the user is an unincorporated member of the service providing apparatus 300, the service providing apparatus 300 may send a text message to the user apparatus 100 based on the identification information of the user apparatus 100 registered in the division Information on contributions per participant, temporary accounts, and so on.

In addition, the service providing apparatus 300 confirms the temporary account and confirms whether the actual payment amount (or the total payment amount) is collected.

As a result, if the actual payment amount (or the total payment amount) is not collected, the service providing device 300 checks the temporary account to check whether the actual payment amount (or the total payment amount) is collected Return.

Also, within a predetermined time (for example, 10 minutes) after the provisional account is created (or after the service providing apparatus 300 has transmitted the information on the contributions to each of the plurality of user apparatuses 100, the temporary accounts, etc.) If the actual payment amount (or the total payment amount) is not collected, the service providing apparatus 300 cancels the partial payment and transmits information indicating that the partial payment has been canceled to the plurality of user apparatuses 100 participating in the partial payment, Respectively. In the case of canceling the partial payment, the service providing device 300 returns the corresponding contribution to the user device 100 that has provided the collected contribution.

When all of the actual payment amount (or the total payment amount) is collected as a result of the check, the service providing apparatus 300 transmits to the previously registered payment representative user apparatus 100 one or more goods information to be paid, (Including actual payment amount, total payment amount, etc.), discount offer information, list of recommended cards, and the like. In this case, when the collection of the actual payment amount (or the total payment amount) proceeds through the points available in the predetermined site, the service providing apparatus 300 transmits the payment settlement representative user apparatus 100, it is possible to collect available points from the predetermined sites from the plurality of user devices 100, and then perform a payment function by interlocking with the payment server 500 through the collected points.

That is, if all of the actual payment amount (or the total payment amount) is collected as a result of the check, the service providing device 300 receives a plurality of pieces of advertisement information previously stored based on the identification information of the payment representative user device 100 registered in advance From among a plurality of benefit information, at least one benefit information that can be provided to the corresponding user device 100 in a store where the POS terminal 400 is provided.

Also, the service providing apparatus 300 may include at least one recommendation card capable of applying (or reflecting) the benefit information from among a plurality of cards issued to the corresponding payment representative user apparatus 100 based on the one or more benefit information that has been confirmed To create a list of recommended cards. Here, the benefit information includes coupon information, membership benefit information, discount benefit information, earned benefit information, and the like.

In addition, the service providing apparatus 300 may further include one or more benefit information that can be provided to the corresponding payment representative user apparatus 100 to which the determined divided payment function is to be performed, a recommended card list including one or more recommended cards, Information, a scheduled payment amount, and the like to the user device 100 of the corresponding payer.

In addition, the service providing device 300 may receive the payment information from the payment representative user device 100 in response to the previously transmitted one or more benefit information, a recommended card list including one or more recommended cards, one or more goods information to be paid, (Or unique identification information of the payment card), PIN number, identification information of the payment representative user device 100, and the like.

Also, the service providing apparatus 300 transmits one or more goods information to be paid, actual payment amount (or total payment amount), card information corresponding to the PIN number, user information, benefit information, and the like to the payment server 500. Here, the card information includes a card number, an expiration date, a CVC number, a user name, and the like. Also, the user information includes a user name, date of birth, address, image, and the like. In addition, the benefit information includes coupon information, membership benefit information, discount benefit information, and earned benefit information.

In other words, the service providing apparatus 300 may receive payment information transmitted from the payment representative user apparatus 100 in response to one or more benefit information transmitted to the payment representative user apparatus 100, a recommended card list including one or more recommended cards, (Or unique identification information of the payment card), a PIN number, identification information of the payment representative user device 100, and the like. The service providing apparatus 300 also checks card information, user information, benefit information, and the like stored in advance in the service providing apparatus 300 in association with the PIN number (or the identification information of the payment representative user apparatus 100) , The confirmed card information, the user information, the benefit information, the one or more goods information to be paid, and the actual payment amount (or the total payment amount) to the payment server 500.

When the divided payment function is normally performed, the service providing apparatus 300 transmits the payment function execution result (or payment information) transmitted from the payment server 500 in response to the card information transmitted in advance, the accumulated point information And the like.

In addition, the service providing apparatus 300 transmits the result of performing the settlement function (or settlement information) to the plurality of user apparatuses 100 participating in the partial settlement.

The service providing apparatus 300 also provides (or transmits) the actual payment amount (or the total payment amount) collected in advance to the corresponding payment representative user device 100 (or the account set in advance in the payment representative user device 100) )do.

In addition, when there is an accumulation point due to the execution of the settlement function (or when a point corresponding to the settlement occurs after the settlement function is performed), the service providing apparatus 300 distributes the accumulation point according to the contribution amount per participant.

The POS terminal 400 communicates with the user apparatus 100, the service providing apparatus 300, the payment server 500, and the like.

In addition, the POS terminal 400 can scan (or recognize) a barcode attached to a commodity to be paid, for one or more commodities (or settlement commodities) to be selected by the user of the plurality of user apparatuses 100 )do.

In addition, the POS terminal 400 displays product information for one or more items to be scanned (or recognized). Here, the product information includes a product name, a product unique code, a unit price, a quantity, an amount, a total total amount, and the like.

In addition, the POS terminal 400 may confirm the service information about the service to be settled for the service selected (or used) by the user of the plurality of user devices 100, and display the confirmed service information. Here, the service information includes a service name, a service specific code, a unit price, a quantity, an amount, a total total amount, and the like.

Although the POS terminal 400 provided in the off-line store is described in the embodiment of the present invention, the POS terminal 400 is not limited to the POS terminal 400, and the technical configurations of the present invention can be configured in cooperation with an online and / or offline store.

In addition, when a user of a plurality of user devices (100) who wish to perform partial payment for one or more goods or services in a store or an online shopping mall equipped with the POS terminal (400) The POS terminal 400 (or an online shopping mall server (not shown)) communicates with the service providing apparatus 300 and transmits information indicating the partial payment, the identification information of the POS terminal 400 And so on.

In addition, the POS terminal 400 transmits the total payment amount for the goods or services selected by the users of the plurality of user apparatuses 100, one or more goods information to be paid, and the like to the service providing apparatus 300.

In addition, the POS terminal 400 receives a payment function execution result (or payment information) transmitted from the payment server 500. Here, the result (or billing information) of the payment function may include a product name (or a service name), a product unique code (or a service specific code), a unit price, a quantity, a discount amount, ), Settlement date and time information, payment card type, and the like.

Also, the POS terminal 400 transmits the received payment function execution result to the user device 100. [

In addition, the POS terminal 400 may output the received payment function execution result through a print such as a receipt.

The payment server 500 communicates with the user device 100, the service providing device 300, the POS terminal 400, and the like.

In addition, the payment server 500 receives one or more goods information to be paid, actual payment amount (or total payment amount) transmitted from the service providing apparatus 300, card information corresponding to the PIN number, user information, benefit information, do.

In addition, the payment server 500 performs a payment function for the actual payment amount (or the total payment amount) corresponding to at least one item information to be paid based on the received card information, user information, and benefit information. At this time, the payment server 500 transmits the benefit information corresponding to the benefit information (or the benefit information applicable to the user of the user device 100) transmitted from the service providing device 300 to the price information on the one or more goods to be settled The user can perform a payment function for the amount of payment (or actual payment amount) to which the amount is applied.

In addition, the payment server 500 transmits the payment function execution result (or payment information) to the POS terminal 400, the service providing apparatus 300, and the like. Here, the result (or billing information) of the payment function may include a product name (or a service name), a product unique code (or a service specific code), a unit price, a quantity, a discount amount, ), Settlement date and time information, payment card type, and the like.

At this time, when the accumulated points that are accumulated according to the execution of the payment function occur, the payment server 500 transmits the result of performing the payment function, the accumulated point information on the execution of the payment function, etc. to the POS terminal 400, the service providing apparatus 300, It is possible.

In this way, in performing the partial settlement, after the settlement is made in the user device held by the representative payer, the remaining participants can clearly provide the contribution to the representative payer and the user who does not subscribe to the related service can participate in the partial settlement.

In this manner, the points generated according to the representative settlement can be divided and transmitted to the participants.

Also, in this way, the remaining participants for settlement of settlement settlement can deliver the deposit in advance to the temporary account before actual settlement, and if the representative settlement person actually makes the settlement, the collected total deposit can be delivered to the representative settlement person.

Hereinafter, a control method of the settlement system according to the present invention will be described in detail with reference to FIG. 1 to FIG.

4 to 5 are flowcharts illustrating a method of controlling a payment system according to an embodiment of the present invention.

First, the POS terminal 400 scans (or recognizes) a barcode attached to a product to be paid, for at least one product to be paid (or a payment product) selected by a user of the plurality of user devices 100 )do.

In addition, the POS terminal 400 displays product information for one or more items to be scanned (or recognized). Here, the product information includes a product name, a product unique code, a unit price, a quantity, an amount, a total total amount, and the like.

In addition, the POS terminal 400 may confirm the service information about the service to be settled for the service selected (or used) by the user of the plurality of user devices 100, and display the confirmed service information. Here, the service information includes a service name, a service specific code, a unit price, a quantity, an amount, a total total amount, and the like.

For example, the POS terminal 400 recognizes barcodes attached respectively to the eleventh to thirteenth products for the eleventh to thirteenth products selected by the user of the plurality of user devices 100, And displays the product information for the eleventh to thirteenth products.

In another example, the POS terminal 400 displays service information for the eleventh to fourteenth services for the eleventh to fourteenth services used by the users of the plurality of other user devices 100 (S410 ).

Thereafter, when a plurality of user devices 100 want to perform a partial payment function for a product or service selected (or desired to use / purchase) by the users of the plurality of user devices 100, And registers them as Partial Payment Participants for Partial Payment. At this time, one (or at least one) of the plurality of user devices 100 registers (or selects) the user device 100 with a representative payer (or a payment representative user device) performing an actual payment function.

That is, when a user of a plurality of user apparatuses 100 attempting to perform partial payment for one or more goods or services in a store or an online shopping mall equipped with the POS terminal 400 expresses a split payment intention at the shop or online shopping mall The POS terminal 400 (or an online shopping mall server (not shown)) communicates with the service providing apparatus 300 and transmits information indicating the partial payment, the identification information of the POS terminal 400 And so on. Thereafter, the service providing apparatus 300 transmits a partial billing registration room (for example, A store-bill) for partial payment based on the information indicating the partial payment transmitted from the POS terminal 400, the identification information of the POS terminal 400, Split payment registration # 123). Then, a plurality of user equipments 100 connected to the service providing apparatus 300 access the created divided payment registration room, and register them in the divided payment registration room as divided payment participants for partial payment settlement.

For example, when a user of the first to fourth user devices 100 to 100 wants to perform a partial payment function for the 11th to 13th goods selected by the users, the first to fourth user devices 100 to 4 The user device 100 accesses the service providing apparatus 300 and registers the user terminal 100 as a partial payment participant for partial payment. At this time, among the first user device 100 to the fourth user device 100, the third user device 100 registers with the payment representative user device performing the actual payment function.

In another example, when the users of the eleventh user device 100 to the fifteenth user device 100 attempt to perform a partial payment function for the eleventh to fourteenth services selected by the users, the eleventh user device 100 to the fifteenth user device 100 15 The user device 100 accesses the service providing device 300 and registers them as divided payment participants for partial payment. At this time, the twelfth user device 100 among the eleventh user device 100 to the fifteenth user device 100 registers with the payment representative user device performing the actual payment function (S420).

Thereafter, the service providing apparatus 300 creates a temporary account for the partial payment. In this case, the temporary account may be an account for receiving a predetermined point that can be used at a plurality of predetermined sites, an account for transferring cash, an account for receiving points and / or cash, and the like.

In one example, the service providing apparatus 300 generates a first temporary account (for example, 123-456-789) for receiving a compatible point at a plurality of sites preset for the partial payment.

In another example, the service providing apparatus 300 generates a second provisional account (for example, 987-654-321) for receiving the available points and cash at a plurality of sites preset for the partial payment (S430) .

Thereafter, the service providing apparatus 300 confirms the total payment amount for the goods or services selected by the users of the plurality of user apparatuses 100, one or more goods information to be paid, etc., in cooperation with the POS terminal 400 .

In addition, the service providing apparatus 300 sets the contribution amount per participant based on the total payment amount and the number of the plurality of user apparatuses 100 participating in the partial settlement. At this time, the service providing apparatus 300 checks the payment card having the largest benefit out of one or more payment cards issued to the payment representative user apparatus 100 among the plurality of user apparatuses 100 participating in the partial payment, When paying with the largest payment card, the total amount of payment is set by the participant for the actual payment amount to which the benefit is applied. Herein, the method of setting the contribution amount is a method of setting 1 / n (or evenly charged) based on the number of the plurality of user devices 100, a method of setting an actual payment amount (or a total payment amount) (Or the total payment amount) in the service providing device 300, and then transmits the actual payment amount (or the total payment amount) to the plurality of user devices 100 And a method of receiving a contribution amount for each user device transmitted by each user device in response to the request. Also, the payment representative user device 100 may be one of a plurality of user devices 100 participating in the partial payment. Here, the actual payment amount may be the same amount as the total payment amount if the benefit information is not applied to the total payment amount.

For example, the service providing apparatus 300 may receive the total payment amount (for example, 30,000 won) for the eleventh to thirteenth products transmitted from the POS terminal 400, the product information for the eleventh to thirteenth products Lt; / RTI > In addition, the service providing apparatus 300 may receive a benefit (e.g., a payment) of the payment card registered in the third user device 100, which is a representative payer, for the total payment amount (for example, 30,000 won) (For example, 27,000 won, the total payment amount is 30,000 won to 10% discount), and the actual payment amount when the largest AA payment card is applied The first user device 100 to the fourth user device 100 participating in the divisional payment sets the contribution amount of 13,500 won to the third user device 100 which is the main payer according to the sharing amount set in advance for each user device , And the remaining first, second, and fourth user devices 100 are set at a contribution of 4,500 won.

For example, the service providing apparatus 300 may receive the total payment amount (for example, 50,000 won) for the eleventh to fourteenth services transmitted from the POS terminal 400, service information for the eleventh to fourteenth services And the like. In addition, the service providing apparatus 300 may be configured to transmit the total payment amount (for example, 50,000 won) for the eleventh to fourteenth services and the eleventh user apparatus 100 to the fifteenth user apparatus 100 (Step S440). In step S440, an amount equal to the amount of 10,000 won for each user device is set according to a preset equal burden based on the number of users.

Then, the service providing apparatus 300 transmits information on the contributions per participant, temporary accounts, etc. to the plurality of user apparatuses 100 participating in the partial settlement.

At this time, if the user is an unincorporated member of the service providing apparatus 300, the service providing apparatus 300 may send a message to the user apparatus 100 in the form of a text message based on the identification information of the user apparatus 100 registered in the division Information on contributions per participant, temporary accounts, and so on.

For example, the service providing apparatus 300 may include a first participant contribution amount (e.g., a contribution of 4,500 won for the first user device, 4,500 won for the contribution of the second user device, 13,500 won for the contribution of the third user device, To the fourth user device 100, the first information including the first temporary account (for example, 123-456-789), etc., from the first user device 100 to the fourth user device 100, respectively.

As another example, the service providing apparatus 300 may include a second participant contribution amount (e.g., 10,000 won contribution from the first user apparatus to the fifth user apparatus), a second provisional account (e.g., 987-654-321) To the 11th user device 100 to the 15th user device 100, respectively. At this time, the service providing apparatus 300 transmits the second information in the form of a text message to the fourteenth user apparatus 100 that has not entered the service providing apparatus 300 (S450).

Hereinafter, each of the plurality of user devices 100 receives information on the contribution per participant, temporary account, etc. transmitted from the service providing device 300.

In addition, the user device 100 displays information on the contribution amount per participant, temporary account, and the like.

At this time, if the user device 100 is a member who has previously subscribed to the service providing apparatus 300, information on the contribution amount per participant, temporary account, etc. previously received through the app installed in the user device 100 is displayed .

If the user device 100 is not a member who has previously subscribed to the service providing apparatus 300, the user apparatus 100 transmits the received contribution amount per participant, which is transmitted in the form of a text message from the service providing apparatus 300 , Temporary accounts, and the like.

In addition, each of the plurality of user devices 100 transmits the contribution corresponding to the corresponding user device 100 among the contributions per participant to the corresponding temporary account in accordance with the user selection (or input / control) of the corresponding user device 100 Or transfer / transfer). At this time, the contribution includes cyber money (for example, points available at a specific site, reserves, etc.), cash, and the like.

For example, each of the first to fourth user devices 100 to 100 may transmit a first per-participant contribution (for example, a contribution of 4,500 won for the first user device, (E.g., 4,500 won for the device, 13,500 won for the third user device and 4,500 won for the fourth user device), a first temporary account (e.g., 123-456-789), and the like . In addition, each of the first to fourth user devices 100 to 100 delivers an amount (for example, points) corresponding to the first participant contribution to the corresponding first provisional account.

For example, each of the eleventh user device 100 to the fifteenth user device 100 may transmit a second per-participant contribution transmitted from the service providing device 300 (for example, a contribution from the first user device to the fifth user device, 10,000 won), a second temporary account (for example, 987-654-321), and the like. In addition, each of the eleventh to fifteenth user devices 100 delivers (or transfers) an amount (for example, points, cash, etc.) corresponding to the contribution amount per the second participant to the corresponding second provisional account (S460) .

Thereafter, the service providing apparatus 300 confirms the temporary account and confirms whether the actual payment amount (or the total payment amount) is collected.

For example, the service providing apparatus 300 confirms the first temporary account and confirms whether the actual payment amount of 27,000 won is collected.

In another example, the service providing apparatus 300 confirms the second temporary account and confirms whether the total payment amount of 50,000 won is collected (S470).

If it is determined that the actual payment amount (or the total payment amount) is not collected, the service providing apparatus 300 checks the temporary account to check whether the actual payment amount (or the total payment amount) is collected Or S470).

For example, when the actual payment amount of 27,000 won is not collected through the first temporary account, the service providing device 300 checks the first provisional account to determine whether the actual payment amount of 27,000 won is collected Continually check.

Also, within a predetermined time (for example, 10 minutes) after the provisional account is created (or after the service providing apparatus 300 has transmitted the information on the contributions to each of the plurality of user apparatuses 100, the temporary accounts, etc.) If the actual payment amount (or the total payment amount) is not collected, the service providing apparatus 300 cancels the partial payment and transmits information indicating that the partial payment has been canceled to the plurality of user apparatuses 100 participating in the partial payment, Respectively. In the case of canceling the partial payment, the service providing device 300 returns the corresponding contribution to the user device 100 that has provided the collected contribution.

In another example, when the total payment amount of 50,000 won is not collected within the predetermined 10 minutes through the second provisional account, the service providing apparatus 300 can not cancel the partial payment for the 11th to 15th user devices 100 And returns the contribution (for example, 10,000 won) previously transmitted to the 11th user device and the 13th user device, respectively, which have transmitted the contribution (S480).

When all of the actual payment amount (or the total payment amount) is collected as a result of the check, the service providing apparatus 300 transmits to the previously registered payment representative user apparatus 100 one or more goods information to be paid, (Including actual payment amount, total payment amount, etc.), discount offer information, list of recommended cards, and the like.

That is, if all of the actual payment amount (or the total payment amount) is collected as a result of the check, the service providing device 300 receives a plurality of pieces of advertisement information previously stored based on the identification information of the payment representative user device 100 registered in advance From among a plurality of benefit information, at least one benefit information that can be provided to the corresponding user device 100 in a store where the POS terminal 400 is provided.

Also, the service providing apparatus 300 may include at least one recommendation card capable of applying (or reflecting) the benefit information from among a plurality of cards issued to the corresponding payment representative user apparatus 100 based on the one or more benefit information that has been confirmed To create a list of recommended cards. Here, the benefit information includes coupon information, membership benefit information, discount benefit information, earned benefit information, and the like.

In addition, the service providing apparatus 300 may further include one or more benefit information that can be provided to the corresponding payment representative user apparatus 100 to which the determined divided payment function is to be performed, a recommended card list including one or more recommended cards, Information, a scheduled payment amount, and the like to the user device 100 of the corresponding payer.

For example, when all the actual payment amount of 27,000 won is collected through the first temporary account, the service providing apparatus 300 transmits the third payment information to the third party device 100 in the corresponding store based on the identification information of the third user device 100, (For example, 10% discount and 2% additional earning when paying 30,000 won or more with an AA payment card) and second benefit information (for example, 100,000 won for a BB payment card) Or 15% discount when making a payment of more than one person. Also, the service providing apparatus 300 generates a recommendation card list including AA payment cards and BB payment cards to which the first benefit information can be applied, from a plurality of cards issued to the third user device 100. [ In addition, the service providing apparatus 300 may receive the first or second benefit information (for example, 10% discount and 2% additional charge when paying 30,000 won or more with an AA payment card, , 15% discount, etc.), a list of recommended cards including AA payment cards and BB payment cards, merchandise information for the 11th merchandise to 13th merchandise, and the amount to be paid (for example, (E.g., 27,000 won when paying with a card) to the third user device 100 (S490).

Thereafter, the payment representative user device 100 receives one or more goods information to be paid, a scheduled payment amount, one or more benefit information transmitted from the service providing apparatus 300, a recommended card list including one or more recommended cards, and the like.

In addition, the payment representative user device 100 displays one or more goods information to be paid, a scheduled payment amount, one or more benefit information, a recommended card list including one or more recommended cards, and the like.

6, the third user device 100, which is a payment representative user device, includes product information 610 for the eleventh to thirteenth products transmitted from the service providing device 300, (620), payment by credit card (10% discount and 2% additional charge when paying more than 30,000 won with AA payment card, 15% discount when paying over 100,000 won with BB payment card) (E.g., 27,000 won for payment with the AA payment card for the total payment amount of 30,000 won) 630, and a recommended card list 640 including the AA payment card and the BB payment card (S500).

Thereafter, the payment representative user device 100 transmits the type of payment card (or the unique identification information of the payment card), the PIN number (or the like) corresponding to the user input (or the user selection) through the specific application installed in advance in the corresponding payment representative user device 100 personal identification number).

That is, the payment representative user device 100 confirms the type of payment card selected (or selected) in accordance with the user input (or user selection) among a plurality of cards registered in advance in the corresponding payment representative user device 100. At this time, the payment representative user device 100 may check the type of the payment card (or the unique identification information of the payment card) for the payment card selected from the list of recommended cards transmitted from the service providing device 300. [

Also, the payment representative user device 100 receives a PIN number according to a user input (or a user selection) through a specific application installed in the payment representative user device 100 in advance. Here, the PIN number may be a PIN number corresponding to the identified payment card type.

Also, the payment representative user device 100 transmits the confirmed payment card type (or unique identification information of the payment card), the PIN number, identification information of the payment representative user device 100, and the like to the service providing device 300. [

For example, the third user device 100, which is a payment representative user device, confirms a BB payment card selected from a plurality of payment cards registered (or issued) in an electronic wallet application installed in advance in the third user device 100 do. Also, the third user device 100 receives a first PIN number (for example, 987654) according to user input through the corresponding electronic wallet app. The third user device 100 also transmits the identified BB payment card (or BB payment card type), the received first PIN number, identification information of the third user device 100, etc. to the service providing device 300 do.

In another example, the third user device 100, which is a payment representative user device, confirms an AA payment card selected from a list of recommended cards displayed on the third user device 100. Also, the third user device 100 receives a second PIN number (for example, 123456) corresponding to the AA payment card according to user input through the corresponding electronic wallet app. Also, the third user device 100 transmits the identified AA payment card, the received second PIN number, identification information of the third user device 100, etc. to the service providing device 300 (S510).

Thereafter, the service providing apparatus 300 receives the payment information transmitted from the payment representative user apparatus 100 in response to one or more benefit information transmitted to the payment representative user apparatus 100, a recommended card list including one or more recommended cards, (Or unique identification information of the payment card), a PIN number, identification information of the payment representative user device 100, and the like.

Also, the service providing apparatus 300 transmits one or more goods information to be paid, actual payment amount (or total payment amount), card information corresponding to the PIN number, user information, benefit information, and the like to the payment server 500. Here, the card information includes a card number, an expiration date, a CVC number, a user name, and the like. Also, the user information includes a user name, date of birth, address, image, and the like. In addition, the benefit information includes coupon information, membership benefit information, discount benefit information, and earned benefit information.

In other words, the service providing apparatus 300 may receive payment information transmitted from the payment representative user apparatus 100 in response to one or more benefit information transmitted to the payment representative user apparatus 100, a recommended card list including one or more recommended cards, (Or unique identification information of the payment card), a PIN number, identification information of the payment representative user device 100, and the like. The service providing apparatus 300 also checks card information, user information, benefit information, and the like stored in advance in the service providing apparatus 300 in association with the PIN number (or the identification information of the payment representative user apparatus 100) , The confirmed card information, the user information, the benefit information, the one or more goods information to be paid, and the actual payment amount (or the total payment amount) to the payment server 500.

For example, the service providing apparatus 300 confirms the 51st card information, the 51st user information, the 51st benefit information, etc. corresponding to the identification information of the third user equipment 100 transmitted from the third user equipment 100 And transmits the confirmed 51st card information, the 51st user information, the 51st benefit information, the merchandise information of the 11th merchandise to the 13th merchandise, the actual payment amount (for example, 27,000 won) to the payment server 500 (S520).

Then, the payment server 500 receives one or more goods information to be paid, actual payment amount (or total payment amount) transmitted from the service providing apparatus 300, card information corresponding to the PIN number, user information, benefit information, do.

In addition, the payment server 500 performs a payment function for the actual payment amount (or the total payment amount) corresponding to at least one item information to be paid based on the received card information, user information, and benefit information. At this time, the payment server 500 transmits the benefit information corresponding to the benefit information (or the benefit information applicable to the user of the user device 100) transmitted from the service providing device 300 to the price information on the one or more goods to be settled The user can perform a payment function for the amount of payment (or actual payment amount) to which the amount is applied.

For example, the payment server 500 may store the 51st card information, the 51st user information, the 51st benefit information, the merchandise information for the 11th merchandise to the 13th merchandise, the actual payment amount (for example, (E.g., 27,000 won), and receives a benefit amount corresponding to the 51st benefit information (for example, payment of 30,000 won or more to the AA payment card as the first benefit information) , A 10% discount, and a 2% additional charge) to the actual payment amount (for example, 27,000 won). In addition, the payment server 500 acquires the accumulation point (for example, 540 (for example, 50%) or more (for example, 5%) according to the 51st benefit information Circle) (S530).

Then, the payment server 500 transmits the payment function execution result (or payment information) to the POS terminal 400, the service providing apparatus 300, and the like. Here, the result (or billing information) of the payment function may include a product name (or a service name), a product unique code (or a service specific code), a unit price, a quantity, a discount amount, ), Settlement date and time information, payment card type, and the like.

At this time, when the accumulated points that are accumulated according to the execution of the payment function occur, the payment server 500 transmits the result of performing the payment function, the accumulated point information on the execution of the payment function, etc. to the POS terminal 400, the service providing apparatus 300, It is possible.

For example, the payment server 500 transmits a payment function execution result for the eleventh to thirteenth products to the POS terminal 400, the service providing apparatus 300, and the like.

As another example, the payment server 500 may calculate the accumulation point information (for example, 540 won accumulation point corresponding to 2% accumulation of actual payment amount / total payment amount, And the like to the POS terminal 400, the service providing apparatus 300 or the like (S540).

Thereafter, the service providing apparatus 300 receives the settlement function execution result (or settlement information) transmitted from the settlement server 500 in response to the previously transmitted card information and the like, and the accumulation point information upon execution of the settlement function.

In addition, the service providing apparatus 300 transmits the result of performing the settlement function (or settlement information) to the plurality of user apparatuses 100 participating in the partial settlement.

Each of the plurality of user equipments 100 receives the payment function execution result transmitted from the service providing apparatus 300 and displays the received payment function execution result.

For example, the service providing apparatus 300 may acquire accumulated point information (for example, 2% of actual payment amount / total payment amount) as a result of performing a payment function for the eleventh to thirteenth goods transmitted from the payment server 500 And the result of performing the payment function for the received goods 11 through 13 is transmitted to the first user device 100 through the fourth user device 100 participating in the partial payment, Respectively (S550).

Thereafter, the service providing apparatus 300 provides (or delivers) the actual payment amount (or the total payment amount) collected in advance to the corresponding payment representative user device 100 (or the account set in advance in the payment representative user device 100) )do.

In addition, the payment representative user device 100 receives (or confirms) the corresponding actual payment amount (or the total payment amount) provided from the service providing device 300.

For example, the service providing apparatus 300 provides the actual payment amount (for example, 27,000 won) collected in advance to the account registered in advance by the third user device 100, which is the representative biller. In addition, the third user device 100 confirms the actual payment amount provided from the service providing device 300 (S560).

In addition, when there is a credit accumulation point due to the performance of the settlement function (or performing the partial settlement function) (or when a point due to the settlement occurs after the settlement function is performed), the service providing apparatus 300 transmits, Distribute the points.

Each of the plurality of user equipments 100 participating in the partial settlement displays (or confirms) information on the earned points distributed by the service providing apparatus 300.

For example, when receiving the accumulation point information (for example, including the actual accumulation amount / the accumulation point of 540 won corresponding to the accumulation of 2% of the total payment amount) due to the execution of the settlement function, the service providing apparatus 300 (540 won) according to the contribution (for example, the first user equipment 4,500 won, the second user equipment 4,500 won, the third user equipment 13,500 won, and the fourth user equipment 4,500 won) The second user device 90, the third user device 270, and the fourth user device 90, respectively, and provides the distribution point information to the first user device 100 to the fourth user device 100, respectively. 7, the third user device 100 displays a payment function execution result 710 transmitted from the service providing apparatus 300, information 720 on the earning point, and the like (S570) .

The user device, the service providing device, the POS terminal, and the settlement system including the user terminal, the POS terminal, and the billing system according to the embodiment of the present invention can be created in a computer program. Codes and code segments constituting the computer program can be easily Can be deduced. In addition, the computer program is stored in a computer readable medium and read by a computer, a user apparatus, a beacon, a service providing apparatus, a POS terminal, a payment server, or the like according to an embodiment of the present invention Thereby realizing a user apparatus, a service providing apparatus, a POS terminal, and a payment system including the same.

The information storage medium includes a magnetic recording medium, an optical recording medium, and a carrier wave medium. The computer program embodying the user apparatus, the service providing apparatus, the POS terminal, and the payment system including the same according to the embodiment of the present invention is stored and installed in a built-in memory such as a user device, a beacon, a service providing device, a POS terminal, . Alternatively, an external memory such as a user device, a service providing device, a POS terminal, a smart card storing and installing a computer program implementing the payment system including the user terminal, a beacon and a service A POS terminal, a payment server, or the like.

As described above, in the embodiment of the present invention, in performing the partial settlement, after the settlement is made in the user device held by the representative payer, the remaining participants clearly provide the contribution to the representative payer, The user can participate in the partial payment and activate the corresponding partial payment service.

In addition, as described above, the embodiment of the present invention can divide and deliver points generated according to the representative settlement to the participants, thereby providing a service satisfactory to all participants participating in the partial settlement.

In addition, as described above, in the embodiment of the present invention, the remaining participants for the representative settlement of the partial settlement deliver the deposit in advance to the temporary account before the actual settlement, and when the representative payment is actually made, It can be transmitted to the payer to facilitate the use of the partial payment.

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 essential characteristics thereof. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. 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.

In the present invention, in performing the partial settlement, after payment is made in the user device held by the representative payer, the remaining participants clearly provide the contribution to the representative payer and the user who does not subscribe to the related service participates in the partial payment, And can be widely used in a field of simple settlement, an advertisement field, a service provision device field, a user device field, a POS terminal field, a payment server field, and a partial payment field.

10: Payment system 100: User device
200: Beacon 300: Service providing device
400: POS terminal 500: Payment server
110: user device communication unit 120: user device storage unit
130: User device display part 140: User device audio output part
150: User Device Control

Claims (11)

A POS terminal for transmitting information on one or more goods to be settled and identification information of the POS terminal when it is desired to perform partial payment for one or more goods;
The method comprising: performing a partial payment participation registration procedure for a plurality of user apparatuses participating in the partial payment, creating a temporary account for partial payment, calculating a total payment amount for the one or more items to be paid, A service providing apparatus for setting an amount of contribution for each participant based on the number of user equipments, and for transmitting the information about the contributions per participant and the temporary account to each of the plurality of user apparatuses participating in the partial settlement; And
And a plurality of user devices for delivering to the temporary account each contribution amount set for each participant based on the information on the contributions per participant and the temporary account transmitted from the service providing device. The method according to claim 1,
Wherein the temporary account is one of an account for receiving a predetermined point that can be used in a plurality of predetermined sites, an account for receiving cash, and an account for receiving at least one of a point and cash. The method according to claim 1,
The participant-specific contribution amount is set through any one of a method of equal payment, a method of registering for each user device in the partial payment participation registration procedure, and a method of setting an actual payment amount for each user device after confirming the actual payment amount Payment system. The method according to claim 1,
The service providing apparatus may be configured to transmit, to the user apparatus corresponding to the member who has not entered the service providing apparatus among the plurality of user equipments, And transmits information about the settlement system. The method according to claim 1,
Wherein the contribution includes at least one of a point and a cash available at a predetermined site at a predetermined site. The method according to claim 1,
The service providing apparatus may include at least one recommendation card and at least one benefit information that can be provided to the settlement representative user apparatus in the settlement representative user apparatus set up among the plurality of user apparatuses when the actual settlement amount is collected in the provisional account A list of recommended cards, one or more goods information to be paid, and actual payment amount,
The payment representative user device receives the payment card type corresponding to the user input and the PIN number corresponding to the payment card type and transmits the payment card type, the PIN number, and the identification information of the payment representative user device Payment system. The method according to claim 6,
The service providing apparatus checks card information, user information, and benefit information corresponding to the PIN number transmitted from the payment representative user device, and transmits the card information corresponding to the one or more goods information to be paid, the actual payment amount, , User information and benefit information to the payment server,
The payment server performs a payment function for the actual payment amount corresponding to the at least one item of goods information to be set based on the card information, the user information, and the benefit information, And transmits the earned point to the service providing apparatus. 8. The method of claim 7,
Wherein the service providing apparatus transmits the payment function execution result to each of a plurality of user apparatuses participating in the partial payment and distributes the accumulated points based on the per contribution contribution amount when the accumulation points accumulated according to the payment function execution occur The billing system. Transmitting information on one or more goods to be settled and identification information of the POS terminal when performing a partial payment for one or more goods through the POS terminal;
Performing a partial payment participation registration procedure by interworking with a service providing apparatus through a plurality of user apparatuses;
Creating a temporary account for the partial payment through the service providing apparatus;
Setting a contribution amount for each participant based on the total payment amount for the one or more goods to be paid and the number of the plurality of user devices participating in the partial payment through the service providing apparatus;
Transmitting to the plurality of user equipments participating in the partial payment, information on the contribution per participant and the temporary account through the service providing apparatus; And
And transferring, through the plurality of user equipments, the contribution amount set for each participant to the temporary account based on the information on the contributions per participant and the temporary account. 10. The method of claim 9,
When the actual payment amount is collected in the provisional account through the service provision apparatus, at least one benefit information, one or more recommendation cards that can be provided to the payment representative user device, A list of recommended cards to be included, at least one item information to be paid, and an actual payment amount;
Receiving, via the payment representative user device, a payment card type corresponding to a user input and a PIN number corresponding to the payment card type;
Transmitting identification information of the payment card type, the PIN number, and the payment representative user device through the payment representative user device;
Confirming card information, user information, and benefit information corresponding to a PIN number transmitted from the payment representative user device through the service providing device;
Transmitting to the payment server through the service providing apparatus at least one of the goods information to be settled, the actual payment amount, the card information corresponding to the PIN number, the user information, and the benefit information;
Performing a payment function for the actual payment amount corresponding to the one or more pieces of merchandise information to be paid based on the card information, the user information, and the benefit information through the payment server;
Transmitting, to the service providing apparatus, an accumulation point accumulated according to a payment function execution result and a payment function execution through the payment server;
Transmitting a result of performing the payment function to a plurality of user devices participating in the partial payment through the service providing apparatus;
Providing the collected actual payment amount to the representative settlement user device through the service providing device; And
Further comprising the step of distributing the earned points based on the contribution amount per participant when the earning points accumulated according to the performance of the payment function occur through the service providing apparatus. A recording medium on which a computer program for performing the method according to any one of claims 9 to 10 is recorded.
KR1020150133416A 2015-09-21 2015-09-21 User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon KR20170034731A (en)

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KR1020150133416A KR20170034731A (en) 2015-09-21 2015-09-21 User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon
US15/261,064 US20170083889A1 (en) 2015-09-21 2016-09-09 User equipment, service providing device, pos terminal, payment system including the same, control method thereof, and non-transitory computer readable storage medium storing computer program recorded thereon
CN201610827057.8A CN106934614B (en) 2015-09-21 2016-09-14 Payment apparatus, payment system and control method thereof

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Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20130089896A (en) 2012-01-10 2013-08-13 한국정보통신주식회사 Portable device, payment device, payment agency server having dutch pay function, and payment method and agency method for payment

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20130089896A (en) 2012-01-10 2013-08-13 한국정보통신주식회사 Portable device, payment device, payment agency server having dutch pay function, and payment method and agency method for payment

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