KR20170034732A - 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
KR20170034732A
KR20170034732A KR1020150133417A KR20150133417A KR20170034732A KR 20170034732 A KR20170034732 A KR 20170034732A KR 1020150133417 A KR1020150133417 A KR 1020150133417A KR 20150133417 A KR20150133417 A KR 20150133417A KR 20170034732 A KR20170034732 A KR 20170034732A
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Prior art keywords
payment
user
information
amount
user device
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KR1020150133417A
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Korean (ko)
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곽세병
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에스케이플래닛 주식회사
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Priority to KR1020150133417A priority Critical patent/KR20170034732A/en
Priority to US15/261,064 priority patent/US20170083889A1/en
Priority to CN201610827057.8A priority patent/CN106934614B/en
Publication of KR20170034732A publication Critical patent/KR20170034732A/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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (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, a payment system including the same, a control method thereof, and a recording medium on which a computer program is recorded. That is, according to the present invention, in performing the partial payment, the service providing apparatus having the payment means information for the users participating in the corresponding partial payment recommends the optimal partial payment method considering the benefits for each payment means and the contribution per participant , The actual billing cost discount can be obtained, and the user's satisfaction can be improved.

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}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a user device, a service providing device, a POS terminal, a payment system including the same, a control method thereof, and a recording medium on which a computer program is recorded. And collects the payment means information previously issued for each user device, adjusts the contribution amount per participant according to the contribution amount per participant and the discount / compensation amount for the payment means information previously issued for each user device, A user apparatus that provides a star share and a recommended payment means to a plurality of user apparatuses and performs a settlement function by interlocking the service providing apparatus and the settlement server according to the contribution amount per participant adjusted by the plurality of user apparatuses and the recommended settlement means, Service providing apparatus, POS terminal, payment system including the same, control method thereof And a recording medium on which a 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.

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 service providing apparatus provided with payment means information for a user participating in the partial payment and recommending an optimal divided payment method in consideration of the benefits of each payment means and the contribution per participant 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.

It is another object of the present invention to provide a method and apparatus for rebalancing a pre-set participant contribution according to a payment means associated with a plurality of user devices participating in a partial payment, A service providing apparatus, a POS terminal, a settlement system including the settlement system, a control method thereof, and a computer (not shown) There is provided a recording medium on which a 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; A plurality of user devices for performing a partial payment participation registration procedure; And setting a contribution amount for each participant based on a total payment amount for one or more goods to be settled and a plurality of user devices participating in the divisional settlement, The payment card information is checked, and the payment card having the largest benefit among the one or more payment cards for each user device is selected for each user device, the reference amount for receiving the benefit of the selected payment device for each user device, Adjusts the contribution per participant based on the contribution amount, and provides a service for transmitting the adjusted contribution amount per final participant, the recommended card list per user device, the discount benefit information corresponding to the recommendation card, and the at least one product information to be paid to a plurality of user devices Device.

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, the service providing apparatus may include a reference amount of a first payment card corresponding to one user apparatus for receiving a benefit of a payment card for each user apparatus, It is determined whether the first difference is less than the first discount amount of the first payment card applied to the first contribution card when the calculated first difference is greater than zero when the calculated first difference is greater than zero , When the first difference amount is smaller than the first discount amount, the first contribution amount corresponding to one user apparatus is adjusted to the reference amount of the first payment card, and the remaining users except for one user apparatus By adjusting the contribution of one or more of the devices in the device, the adjusted contribution per participant can be set as the contribution per final participant.

As an example related to the present invention, each of the plurality of user devices selects one payment card from the list of recommended card for each user device transmitted from the service providing device, receives the PIN number corresponding to the selected payment card according to the user selection , The selected payment card type, the PIN number, and the identification information of the user apparatus to the service providing apparatus.

As an example related to the present invention, a service providing apparatus may include a plurality of user device-specific card information corresponding to a plurality of user apparatus PIN numbers transmitted from a plurality of user apparatuses, user information per a plurality of user apparatuses, And can transmit the identified plurality of card information for each user device, user information for each user device, benefit information for each user device, information on one or more items to be settled, and an amount of contribution for each final participant.

The billing server may further include a settlement server for performing a settlement function according to the present invention. The settlement server may include at least one or more settlement servers based on card information for each user device, user information for each user device, A payment function for each user device for the contribution amount per the final participant corresponding to the product information to be settled and a point to be accumulated according to the payment function execution result and the payment function for each user device 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; 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; Checking at least one payment card information for each user device issued per user device in advance for a plurality of user devices through a service providing device; Selecting a payment card with the largest benefit from among the one or more payment cards for each user device through the service providing device; Setting an amount of contribution for each participant by adjusting the contribution amount for each participant based on a reference amount for applying the benefit of the selected payment device for each user device through the service provision device and the contribution amount for each participant set; And a step of transmitting to the plurality of user apparatuses through the service providing apparatus, the contribution per final participant, the recommended card list per user device, the discount benefit information corresponding to the recommendation card, and the one or more items of goods to be settled.

As an example related to the present invention, the step of setting the contribution for each final participant may be performed by a service providing apparatus, by using a standard of the first payment card corresponding to any one of the user devices for receiving the benefit of the selected payment device Calculating a first difference between an amount and a first contribution corresponding to any one of the user devices; Determining whether the first difference is less than a first discount amount applied to the first payment card to the first contribution card when the calculated first difference is greater than zero; A step of setting the contribution amount per participant set as the contribution amount per final participant when the first difference is greater than or equal to the first discount amount; And when it is determined that the first difference is less than the first discount amount, the first contribution amount corresponding to one of the plurality of user apparatuses is raised to a reference amount of the first payment card, And adjusting the contribution amount of one or more of the user apparatuses other than the user apparatuses of the user apparatuses to an adjusted contribution amount per participant.

As one example related to the present invention, a payment card is selected from a list of recommendation cards for each user device transmitted from a service providing apparatus through a plurality of user devices, and a PIN corresponding to a selected payment card corresponding to a user selection is received Transmitting the selected payment card type, PIN number, and identification information of the user apparatus to the service providing apparatus; A plurality of user device-specific card information, a plurality of user device-specific user information, and a plurality of benefit information for each user device corresponding to a plurality of PINs for each user device transmitted from the plurality of user devices, step; Transmitting the identified card information for each user device, user information for each user device, benefit information for each user device, information on one or more items to be settled, and an amount of contribution for each final participant through the service providing device; A billing server, a billing server, and a billing server, the billing server transmits billing information for each user device to the contribution amount for each final participant corresponding to one or more pieces of commodity information to be set based on card information for each user device, user information for each user device, Performing a function; 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, when performing a partial payment, a service providing apparatus having payment means information for a user participating in the partial payment recommends an optimal partial payment method considering the benefits of each payment means and the contribution per participant, It is possible to obtain a discount on the payment cost and to improve the satisfaction of the user.

In addition, the present invention resets the pre-set contribution amount per participant according to the payment means related to a plurality of user apparatuses participating in partial payment in the partial settlement, (Or an adjusted contribution amount) to the one or more user apparatuses to which the discount payment is applied, and the remaining participants can receive benefits that can not be received in the case of a distributed payment of the contribution amount per participant.

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 control method of the settlement system according to the first embodiment of the present invention.
6 is a diagram illustrating a screen of a user apparatus according to an exemplary embodiment of the present invention.
7 to 8 are flowcharts illustrating a method of controlling a payment system according to a second embodiment of the present invention.
9 is a diagram illustrating a screen 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, 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 settlement function is performed for at least one product to be settled 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 transmits the previously transmitted 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 bar code information (or QR code information).

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, 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.

The service providing apparatus 300 may further include a payment server 500 for performing an authentication function for the user before performing a payment function for the product in association with at least one item to be paid by the user of the user apparatus 100, (Or QR code information) to be transmitted from the wireless base station.

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 the like.

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 scans (or recognizes the barcode attached to the product to be paid for) a product to be paid for at least one product to be paid (or a payment product) selected by the user of the user device 100 .

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. Then, the service providing apparatus 300 collects the contributions per participant from the plurality of user equipments 100 for the partial settlement. Thereafter, the service providing apparatus 300 adjusts the contribution amount per participant based on one or more payment cards (or payment means) previously issued for each of the plurality of user apparatuses, the contribution amount per participant, and the discount / compensation amount for the payment card . Thereafter, the service providing device 300 transmits the adjusted contribution list, the recommendation card list including one or more recommended cards for each user device, the product information (or service information) to be settled, the benefit information, 100, respectively. Thereafter, the plurality of user devices 100 perform the settlement function by interlocking the service providing apparatus 300 and the settlement server 500 through the adjusted participant contribution and the payment card according to the user's selection.

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.

Also, each of the plurality of user devices 100 provides one or more payment card information (or payment card) issued by each user device 100 to the service providing device 300.

Each of the plurality of user equipments 100 includes at least one item of commodity to be settled, a contribution per final participant, a recommendation card list per user apparatus, discount benefit information corresponding to a recommendation card, Goods information to be paid, and the like.

In addition, each of the plurality of user devices 100 displays the received one or more items of goods to be paid, the contribution per final participant, the recommended card list per user device, the discount benefit information corresponding to the recommended card, do.

In addition, each of the plurality of user devices 100 transmits a payment card type (or unique identification information of the payment card), a personal identification number (personal identification number) personalized by user input (or user selection) through a specific application installed in the user device 100, identification number).

That is, each of the plurality of user devices 100 confirms the type of payment card selected (or selected) according to user input (or user selection) among a plurality of cards registered in advance in the corresponding user device 100. At this time, each of the plurality of user devices 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.

In addition, each of the plurality of user devices 100 receives a PIN number according to a user input (or a user selection) 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.

Each of the plurality of user devices 100 transmits the identified payment card type (or unique identification information of the payment card), the PIN number, the identification information of the user device 100, and the like to the service providing device 300.

In addition, when a payment function is performed through the selected one (or plurality) of payment representative user devices 100 among a plurality of user devices 100 participating in partial payment, a plurality of user devices 100, the remaining user devices 100 except for the payment representative user device 100 receive the information on the contributions per participant, the temporary account, etc. transmitted from the service providing device 300, the information on one or more items to be paid, Lt; / RTI >

In addition, the remaining user device 100 displays information on the contribution amount per participant, temporary account, etc., information on one or more items to be paid, representative payer information, and the like.

At this time, the remaining user device 100 can display information on contributions, temporary accounts, and the like of the participant, information on one or more items to be paid, representative payer information, and the like, previously received through the application installed in the user device 100 have.

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.

Each of the remaining user devices 100 transmits the corresponding contribution to the corresponding user device 100 among the contributions attributed to the respective participants according to the user selection (or input / control) of the corresponding user device 100 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 remaining user device 100 may further register (or transmit) return information for returning the contribution amount transferred in advance to the service providing apparatus 300 when the divided payment is canceled.

In addition, the representative user device 100, which is a typical solicitor among a plurality of user devices 100, receives at least one item of goods to be paid, an attribution fee per participant, a recommendation Card list, benefit information, and actual payment amount to which the benefit information is applied.

In addition, the payment representative user device 100 displays the received one or more items of goods to be paid, an attribution for each participant, a recommended card list including the largest payment card, benefit information, an actual payment amount to which the benefit information is applied do.

The payment representative user device 100 also receives payment card type (or unique identification information of the payment card), PIN number, etc. according to user input (or user selection) through a specific application installed in advance in the corresponding payment representative user device 100 Lt; / RTI >

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. [

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 settlement is normally performed, each of the plurality of user equipments 100 receives the payment function execution result transmitted from the service providing apparatus 300.

Also, in a state in which a payment function is performed through one (or a plurality) of payment representative user devices 100 selected from among a plurality of user devices 100 participating in a partial payment, when a partial payment is normally performed, Each of the user devices 100 of the service providing apparatus 300 receives a payment function execution result transmitted from the service providing apparatus 300. [

In addition, each of the plurality of user devices 100 displays the result of the received payment function execution. 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, in a state where a payment function is performed through one (or a plurality) of payment representative user devices 100 selected from a plurality of user devices 100 participating in a partial payment, if the partial payment is normally performed, The representative user device 100 receives (or confirms) the corresponding actual payment amount (or the total payment amount) provided from the service providing device 300.

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.

In addition, when it is desired to perform a partial payment function for goods or services used (or intended to be purchased) by users of a plurality of user devices 100, the service providing device 300 communicates with a plurality of user devices 100 .

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, 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 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. 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.

Also, the service providing apparatus 300 confirms one or more payment card information (or a payment card) per user device issued (or registered) in advance for each user apparatus to a plurality of user apparatuses 100.

At this time, the service providing apparatus 300 may collect one or more payment card information previously issued to each user device 100 for a plurality of user devices 100. [

In addition, the service providing device 300 selects one (or plural) payment cards (or payment cards for each user device) having the largest discount benefit for each of a plurality of user devices.

In addition, the service providing apparatus 300 may receive a difference between the reference amount of the payment card corresponding to the user apparatus and the contribution amount corresponding to the corresponding user apparatus from the contribution amount per participant to receive the discount benefit of the selected payment apparatus for each user apparatus .

If the calculated difference amount is larger than zero (or the reference amount of the payment card for applying the discount benefit is larger than the contribution amount corresponding to the user apparatus), the service providing apparatus 300 transmits the calculated difference amount (Or judges / compares) whether or not the contribution corresponding to the user apparatus is smaller than the discount amount (or the compensation amount) to which the discount benefit of the payment card is applied.

The difference between the reference value of the payment card for receiving the discount benefit of the payment card for each user device and the contribution amount corresponding to the corresponding user device among the contribution amount for each participant, (Or the amount of compensation of the payment card corresponding to the corresponding user device for applying the discount of the payment card for each of the plurality of user devices) is equal to or greater than the discount amount (or the compensation amount) And the difference is negative), the service providing device 300 sets the contribution amount per participant set as the contribution amount per final participant.

In addition, as a result of the check (or the judgment / comparison result), the difference between the reference amount of the payment card for receiving the discount benefit of the selected payment device for each user device and the contribution amount corresponding to the corresponding user device, (Or the amount of the payment card corresponding to the user device participating in the partial payment is greater than the contribution amount and the difference amount is less than the discount amount) The service providing apparatus 300 may notify the at least one specific user apparatus that the difference amount is less than the discount amount, To the specific user device for receiving the discount offer Adjusts the contribution amount of one or more of the user devices other than the specific user device among the plurality of user devices participating in the divisional payment to the standard amount of the payment card, , And the adjusted contribution amount per participant is set as the contribution amount per final participant. At this time, the service providing apparatus 300 determines that the amount of money that the specific user apparatus has increased from the existing contribution amount to the reference amount of the payment card related to the specific user apparatus (for example, the difference amount between the reference amount and the existing contribution amount) Adjusts the contribution amount of one or more user devices to match the actual payment amount (or total payment amount).

In addition, the service providing device 300 may transmit the discount information, the discount information corresponding to the recommended participant card, the recommended card list per user device, the recommendation card (or the recommended payment card) 100, respectively. At this time, the service providing apparatus 300 may include a contribution card (or a contribution corresponding to the corresponding user apparatus among contributions attributed to each end user) for each user apparatus, a recommendation card list (or a recommended card list corresponding to the user apparatus Discount benefit information corresponding to the recommendation card, information on one or more items to be paid, and the like.

In addition, the service providing apparatus 300 may be configured such that one of the plurality of (or all) payment cards issued to the plurality of user apparatuses 100 participating in the partial payment is one having the largest benefit (for example, (Or a plurality of) payment cards.

At this time, the service providing apparatus 300 collects a plurality of payment card information previously issued to each user device 100 for a plurality of user apparatuses 100, and selects one of the plurality of payment cards, (Or a plurality of) payment cards.

In addition, the service providing apparatus 300 performs an actual payment function to one (or a plurality) of user devices 100 that have received the payment card having the largest benefit among the plurality of user devices 100 participating in the partial payment (Or the payment representative user device).

In addition, the service providing apparatus 300 may calculate an actual payment amount to which the benefit is applied based on the total payment amount determined, based on the actual payment amount and the number of the plurality of user apparatuses 100 participating in the partial payment, Setting.

In addition, 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 addition, the service providing apparatus 300 may include at least one item information to be paid, a contribution card per participant, a recommendation card list including the largest payment card, Information, and the actual payment amount to which the benefit information applies.

The service providing apparatus 300 may further include information on contributions to each participant 100 other than the payment representative user apparatus 100 among the plurality of user equipments 100, Representative payer information, and the like.

In addition, the service providing apparatus 300 may further include a payment card type, a PIN number, identification information of the user apparatus 100, and the like, which are transmitted for each of a plurality of user apparatuses in response to the contribution amount for each final user, Lt; / RTI >

Also, when all of the payment card type, PIN number, identification information of the user device 100, and the like are received from the plurality of user devices 100 participating in the partial payment, the service providing device 300 transmits one or more goods information The card information corresponding to the PIN number for each user device, the user information, the 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.

That is, the service providing apparatus 300 transmits the payment card type, the PIN number, the identification information of the user apparatus 100, and the like, which are transmitted for each of the plurality of user apparatuses in response to the contribution amount for each final user, Lt; / RTI > In addition, the service providing apparatus 300 may include a plurality of card information for each user device stored in advance in the service providing apparatus 300 in association with a plurality of PIN numbers (or identification information for each user apparatus) User information, benefit information for each user device, card information for each user device, user information, benefit information, information on one or more items to be settled, and contributions per final participant to the payment server 500 .

It is also possible that a plurality of user devices 100 receive settlement card type information from a plurality of user devices 100 within a predetermined time (for example, 10 minutes) after transmitting information on the contribution amount per end participant to the plurality of user devices 100 in the service providing device 300 , The PIN number, and the identification information of the user device 100 are all not received, the service providing apparatus 300 cancels the partial payment and transmits information indicating that the partial payment has been canceled to a plurality of users participating in the partial payment To the device 100, respectively.

In addition, 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 recommendation card list including one or more recommendation cards, (Or unique identification information of the payment card), a PIN number, identification information of the payment representative user device 100, and the like.

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. At this time, the service providing apparatus 300 may check whether or not all the amounts excluding the contribution corresponding to the user device 100 of the representative payer are collected.

As a result of checking, if all of the actual settlement amounts are not collected (or the settlement amounts other than the contribution of the payment representative user device are not collected in the actual settlement amount), the service providing device 300 checks the temporary account, The process returns to the step of confirming whether or not all the amounts are collected.

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.

If all of the actual payment amounts have been collected (or the payment amounts other than the contribution of the payment representative user device have been collected during the actual payment amount), the service providing device 300 transmits information on at least one item to be paid, The card information corresponding to the actual payment amount (or the total payment amount), the PIN number related to the user device 100 of the representative payer previously received (or the identification information of the representative payer's user device 100) 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.

Also, the service providing apparatus 300 may be configured to transmit the payment function result (or the payment information per user apparatus) to the user apparatus 100 after the payment function of each of the plurality of user apparatuses 100 is normally performed, ), Earning point information on the performance of a payment function for each user device, 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.

Also, the service providing apparatus 300 transmits to each of the plurality of user apparatuses 100 participating in the partial payment, as a result of performing the settlement function, information on the accumulation point of the settlement function, and the like.

In addition, the service providing apparatus 300 may transmit the actual payment amount (or the total payment amount, the actual payment amount excluding the contribution of the payment representative user apparatus) collected from the payment representative user apparatus 100 (or the payment representative To a predetermined account of the user device 100). At this time, when there are a plurality of representative payers, the service providing apparatus 300 distributes the actual payment amounts collected in advance according to the ratio of the plurality of representative payers, and distributes the distributed payment amounts to a plurality To the settlement representative user device 100 of the settlement representative user device 100, respectively.

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, in the case where a plurality of user devices 100 participating in the divisional payment want to perform a split payment function according to the contribution amount set for each user individually for each user device, the payment server 500 transmits The card information corresponding to the PIN number for each user device, the user information, the benefit information, and the like.

In addition, the payment server 500 may perform a partial payment function for the final participant contribution for each of a plurality of user apparatuses based on the received contribution amount per participant, the card information corresponding to the PIN number per user apparatus, the user information, and the benefit information . At this time, the payment server 500 adds the amount of the benefit amount applied to the benefit information corresponding to the final participant contribution (or the benefit information applicable to the user of the user device 100) transmitted from the service providing device 300 (Or the actual payment amount).

In addition, when it is desired to perform a payment function through the payment representative user device 100, which is a representative payment device selected from among a plurality of user devices 100 participating in the partial payment, the payment server 500 receives a payment request from the service providing device 300 Card information, user information, benefit information, and the like corresponding to one or more pieces of merchandise to be paid, actual payment amount (or total payment amount), PIN number (or identification information of the representative payer 100) .

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 a result of performing a payment function for each user device (or payment information for each user device) to the POS terminal 400, the service providing apparatus 300, and the like. Here, the result of performing the payment function for each user device (or the payment information for each user device) includes a product name (or a service name), a product unique code (or service unique code), a unit price, a quantity, Amount (or total payment amount), settlement date and time information, payment card type, and the like.

In this case, when the accumulation point accumulated according to the execution of the payment function occurs, the payment server 500 transmits the accumulation point information for each user apparatus to the POS terminal 400, , The service providing apparatus 300, or the like.

In this way, in performing the partial settlement, the service providing apparatus having the settlement means information for the users participating in the partial settlement can recommend an optimal split settlement method in consideration of the benefit for each settlement means and the contribution per participant .

In this way, in performing the partial settlement, it is possible to re-adjust the pre-set contribution amount per participant in accordance with the payment means related to the plurality of user apparatuses participating in the partial settlement, And the remaining participant may deliver the contribution (or adjusted contribution) to which the discount has been applied to one or more user devices that are the principal payers.

Hereinafter, a method of controlling a payment system according to the present invention will be described in detail with reference to FIGS. 1 to 9. FIG.

4 to 5 are flowcharts illustrating a control method of the settlement system according to the first 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 as a part-time payment participant for partial settlement.

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 the divided payment settlement participant for the partial payment in the divided payment registration room.

For example, when the users of the first to third user devices 100 to 100 attempt to perform the partial payment function on the eleventh to thirteen products selected by the users, the first to third user devices To the service providing apparatus 300, and registers them as divided payment participants for partial payment settlement.

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 partial payment participants for partial payment (S420).

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 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. 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 calculate the total payment amount (for example, 350,000 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 be configured to transmit a predetermined amount of money (for example, 350,000 won) for the 11th goods through the 13th goods, A contribution amount of 95,000 won to the first user device, 130,000 won to the second user device 100, and 125,000 won to the third user device is set according to the cost sharing amount.

For example, the service providing apparatus 300 may receive the total payment amount (for example, 500,000 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 set a predetermined amount (for example, 500,000 won) for the 11th to 14th services and a predetermined equal burden based on the number of the 11th to 15th user devices participating in the partial payment (Step S430). In step S430, a contribution amount of 100,000 won is set for each user device.

Thereafter, the service providing apparatus 300 confirms one or more payment card information (or a payment card) issued per user apparatus (or registered) per user apparatus to each of the plurality of user apparatuses 100.

At this time, the service providing apparatus 300 may collect one or more payment card information previously issued to each user device 100 for a plurality of user devices 100. [

For example, the service providing apparatus 300 confirms the AA payment card, the BB payment card, and the CC payment card issued to the first user device participating in the partial payment, and transmits the AA payment card, CC payment card, Card and the DD payment card, and confirms the BB payment card and the DD payment card issued to the third user device (S440).

Then, the service providing apparatus 300 selects one (or plural) payment cards (or payment cards for each user apparatus) having the greatest discount benefit for each of a plurality of user apparatuses.

For example, the service providing apparatus 300 may receive a discount benefit (for example, 10 credits for payment of 100,000 won or more) out of a plurality of payment cards (for example, AA payment card, BB payment card and CC payment card) issued to the first user device (For example, a AA payment card, a CC payment card, and a DD payment card) issued by the second user device, and a discount benefit (for example, more than 100,000 won) (For example, 10% discount at the time of payment) and selects the largest AA payment card from among the plurality of payment cards (for example, the B payment card and the DD payment card) issued to the third user device 10% discount for city and 4% additional charge) (S450).

Thereafter, the service providing apparatus 300 transmits a difference between the reference amount of the payment card corresponding to the user apparatus and the contribution amount corresponding to the corresponding user apparatus from the contribution amount per participant to receive the discount benefit of the selected payment apparatus for each user apparatus .

If the calculated difference amount is larger than zero (or the reference amount of the payment card for applying the discount benefit is larger than the contribution amount corresponding to the user apparatus), the service providing apparatus 300 transmits the calculated difference amount (Or judges / compares) whether or not the contribution corresponding to the user apparatus is smaller than the discount amount (or the compensation amount) to which the discount benefit of the payment card is applied.

For example, the service providing apparatus 300 may receive a first reference amount (for example, 100,000 won) for applying the discounted discount of the selected AA payment card to the first user apparatus and a first reference amount (For example, 100,000 won - 95,000 won = 5,000 won) between the first payment amount (e.g., 95,000 won) and the first payment amount (e.g., 95,000 won) (For example, 95,000 won × 10% = 9,500 won) using the discount rate (for example, 10% discount for payment of 100,000 won or more).

In addition, the service providing apparatus 300 may receive a second reference amount (for example, 100,000 won) for receiving the discounted discount of the selected AA payment card for the second user apparatus and a second reference amount For example, 130,000 won) (for example, 100,000 won-130,000 won = -30,000 won).

Also, the service providing apparatus 300 may receive a third reference amount (for example, 120,000 won) for applying the discount discount of the selected BB payment card to the third user apparatus and a third reference amount (For example, 120,000 won - 125,000 won = -5,000 won) between the first and second users (e.g., 125,000 won) (S460).

The difference between the reference value of the payment card for receiving the discount benefit of the payment card for each user device and the contribution amount corresponding to the corresponding user device among the contribution amount for each participant, (Or the amount of compensation of the payment card corresponding to the corresponding user device for applying the discount of the payment card for each of the plurality of user devices) is equal to or greater than the discount amount (or the compensation amount) And the difference is negative), the service providing device 300 sets the contribution amount per participant set as the contribution amount per final participant.

For example, if the first reference amount for the first user device participating in the partial payment is less than or equal to the first contribution, the second reference amount for the second user device is less than or equal to the second contribution, (Or when the difference between all the user devices participating in the partial settlement is negative), the service providing device 300 transmits the first contribution amount (Step S470), the fee is set at 95,000 won for the device, 130,000 won for the second user device, and 125,000 won for the third user device.

In addition, as a result of the check (or the judgment / comparison result), the difference between the reference amount of the payment card for receiving the discount benefit of the selected payment device for each user device and the contribution amount corresponding to the corresponding user device, (Or the amount of the payment card corresponding to the user device participating in the partial payment is greater than the contribution amount and the difference amount is less than the discount amount) The service providing apparatus 300 may notify the at least one specific user apparatus that the difference amount is less than the discount amount, To the specific user device for receiving the discount offer Up to the standard amount of the payment card, adjusts the contribution amount of at least one of the user devices other than the specific user device among the plurality of user devices participating in the partial payment, Set the adjusted contribution per participant as the contribution per final participant.

For example, if the second difference (e.g., -30,000 won) for the second user device participating in the partial payment is negative, the third difference (e.g., -5,000 won) for the third user device is negative, When the first difference (e.g., 5,000 won) with respect to the first user device is smaller than the first discount amount (e.g., 9,500 won) (or when comparing the difference amount with the discount amount per user device participating in the partial payment, The service providing apparatus 300 can not receive the discount for the AA payment card in the first user device whose difference amount is smaller than the discounted amount (for example, when the reference amount of the payment card corresponding to the payment amount is larger than the contribution amount and the difference amount is smaller than the discount amount) A first reference amount (for example, a first contribution amount) (for example, 95,000 won) for applying the benefit of the selected AA payment card to the first user device in the existing contribution (or the first contribution) (Or change / modify / reset) the first contribution to the second user device (for example, 100,000 won) and the existing contribution (or the second contribution) (e.g., 130,000 won) (For example, 130,000 won - 5,000 won = 125,000 won) by adjusting the amount of the contribution (or the amount of the first contribution) from the first user device to the third user device (for example, 100,000 won to 95,000 won = 5,000 won) (For example, 125,000 won), and the contribution per final participant (for example, 100,000 won for the first user device, 125,000 won for the second user device, and 125,000 won for the third user device) And an adjusted contribution amount of 125,000 won for the user apparatus) (S480).

Thereafter, the service providing apparatus 300 transmits the discounted benefit information corresponding to the final participant set, the recommended card list per user device, the recommended card (or the recommended payment card), the at least one item to be settled, 100, respectively. At this time, the service providing apparatus 300 may include a contribution card (or a contribution corresponding to the corresponding user apparatus among contributions attributed to each end user) for each user apparatus, a recommendation card list (or a recommended card list corresponding to the user apparatus Discount benefit information corresponding to the recommendation card, information on one or more items to be paid, and the like.

For example, when the contribution is adjusted (or when the reference amount of the payment card corresponding to the user equipment participating in the partial payment is larger than the contribution amount and the difference amount is smaller than the discount amount), the service providing apparatus 300 ) Includes product information for the eleventh to thirteenth products, a contribution per final participant (for example, the first user device includes a fee of 100,000 won for the second user device, 125,000 won for the third user device, etc.) (E.g., an AA payment card for the first user device, a BB payment card for the second user device, a BB payment card for the third user device, etc.), discount offer information corresponding to the recommendation card For example, 10% discount when paying with AA payment card, 10% discount when paying with BB payment card, and 4% additional payment, etc.) to the first user device or the third user device .

As another example, when the contribution is not adjusted (or the difference is negative for all the user devices participating in the partial settlement as a result of the previous confirmation), the service providing apparatus 300 transmits the (Including, for example, 95,000 won for the first user device, 130,000 won for the second user device, 125,000 won for the third user device, etc.), a recommendation card list per user device An AA payment card for the user device, a BB payment card for the second user device, a BB payment card for the third user device, etc.), discount benefit information corresponding to the recommendation card (for example, % Discount, a 10% discount when paying with a BB payment card, and a 4% additional charge, etc.) to the first to third user devices (S490).

Hereinafter, each of the plurality of user equipments 100 may include at least one commodity information to be settled, a contribution per final participant, a recommendation card list per user apparatus, discount benefit information corresponding to a recommendation card, Goods information to be paid, and the like.

In addition, each of the plurality of user devices 100 displays the received one or more items of goods to be paid, the contribution per final participant, the recommended card list per user device, the discount benefit information corresponding to the recommended card, do.

Each of the plurality of user equipments 100 can receive a payment card type (or unique identification information of a payment card), a PIN number, etc. according to a user input (or a user selection) through a specific application installed in the user device 100 .

That is, each of the plurality of user devices 100 confirms the type of payment card selected (or selected) according to user input (or user selection) among a plurality of cards registered in advance in the corresponding user device 100. At this time, each of the plurality of user devices 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.

In addition, each of the plurality of user devices 100 receives a PIN number according to a user input (or a user selection) 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.

Each of the plurality of user devices 100 transmits the identified payment card type (or unique identification information of the payment card), the PIN number, the identification information of the user device 100, and the like to the service providing device 300.

6, the first user device 100 may include product information 610 for the eleventh to thirteenth products transmitted from the service providing device 300, an attribution fee for each final participant (for example, (E.g., 100,000 won for the first user device, 125,000 won for the second user device, 125,000 won for the third user device, etc.) 620, a recommended card list per user device (e.g., AA payment card for the first user device, (E.g., a BB payment card for the second user device, a BB payment card for the third user device, etc.) 630, discount benefit information corresponding to the recommendation card (e.g., 10% (Including a 10% discount and 4% additional charge when making a payment with a card) (640).

Also, the first user device may be an AA payment card selected from among a plurality of payment cards (or a list of recommended cards provided from the service providing device 300) registered (or issued) in an electronic wallet app installed in advance in the corresponding first user device . Also, the first user device receives a first PIN number (e.g., 123456) according to user input through the corresponding electronic wallet app. Also, the first user device transmits the confirmed AA payment card (or AA payment card type), the received first PIN number, the identification information of the first user device, and the like to the service providing apparatus 300.

In addition, the second user device may be an AA payment card selected from among a plurality of payment cards (or a list of recommended cards provided from the service providing device 300) registered (or issued) in an electronic wallet app installed in advance in the corresponding second user device . Also, the second user device receives a second PIN number (for example, 456789) according to user input through the corresponding electronic wallet app. Also, the second user device transmits the identified AA payment card (or AA payment card type), the received second PIN number, the identification information of the second user device, and the like to the service providing apparatus 300.

In addition, the third user device may be a BB payment card selected from among a plurality of payment cards (or a recommended card list provided from the service providing device 300) registered (or issued) in an electronic wallet app installed in advance in the corresponding third user device . Also, the third user device receives the third PIN number (e.g., 789123) according to the user input through the corresponding electronic wallet app. In addition, the third user device transmits the identified BB payment card (or BB payment card type), the received third PIN number, identification information of the third user device, and the like to the service providing device 300 (S500).

After that, the service providing apparatus 300 transmits a payment card type, a PIN number, identification information of the user apparatus 100, and the like, which are transmitted for each of the plurality of user apparatuses in response to the contribution amount per the last participant, Lt; / RTI >

Also, when all of the payment card type, PIN number, identification information of the user device 100, and the like are received from the plurality of user devices 100 participating in the partial payment, the service providing device 300 transmits one or more goods information The card information corresponding to the PIN number for each user device, the user information, the 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.

That is, the service providing apparatus 300 transmits the payment card type, the PIN number, the identification information of the user apparatus 100, and the like, which are transmitted for each of the plurality of user apparatuses in response to the contribution amount for each final user, Lt; / RTI > In addition, the service providing apparatus 300 may include a plurality of card information for each user device stored in advance in the service providing apparatus 300 in association with a plurality of PIN numbers (or identification information for each user apparatus) User information, benefit information for each user device, card information for each user device, user information, benefit information, information on one or more items to be settled, and contributions per final participant to the payment server 500 .

For example, the service providing apparatus 300 may check the 11th card information, the 11th user information, the 11th benefit information, etc. corresponding to the first PIN number (for example, 123456) transmitted from the first user apparatus, 12 user information, 12th benefit information, and the like corresponding to the second PIN number (for example, 456789) transmitted from the second user apparatus, and transmits the third PIN number Thirteenth card information, thirteenth user information, thirteenth benefit information, etc. corresponding to the first card information (e.g., 789123).

Also, the service providing apparatus 300 corresponds to the 11th card information, the 11th user information, and the 11th benefit information corresponding to the first PIN number of the identified first user equipment and the second PIN number of the second user equipment The twelfth card information, the twelfth user information, the twelfth benefit information, the thirteenth card information corresponding to the third PIN number of the third user device, the thirteenth user information, the thirteenth benefit information, (Including, for example, 100,000 won for the first user device, 125,000 won for the second user device, 125,000 won for the third user device, etc.) to the payment server 500 do.

It is also possible that a plurality of user devices 100 receive settlement card type information from a plurality of user devices 100 within a predetermined time (for example, 10 minutes) after transmitting information on the contribution amount per end participant to the plurality of user devices 100 in the service providing device 300 , The PIN number, and the identification information of the user device 100 are all not received, the service providing apparatus 300 cancels the partial payment and transmits information indicating that the partial payment has been canceled to a plurality of users participating in the partial payment To the device 100, respectively.

As another example, it is also possible to provide the service providing apparatus 300 with an AA payment card type, a first PIN (first PIN), and a second PIN (third PIN) within a predetermined time (e.g., 10 minutes) only from the first user apparatus to the third user apparatus The identification number of the first user device, the type of the BB payment card, the third PIN number, the identification information of the third user device, and the like. In the second user device, the payment card type, the second PIN number, The service providing apparatus 300 transmits information indicating that the partial payment has been canceled to the first to third user devices, respectively (S510).

Then, the payment server 500 receives one or more pieces of merchandise to be settled, the contribution per final participant, card information corresponding to the PIN number of each user device, user information, benefit information, etc. transmitted from the service providing apparatus 300.

In addition, the payment server 500 may perform a partial payment function for the final participant contribution for each of a plurality of user apparatuses based on the received contribution amount per participant, the card information corresponding to the PIN number per user apparatus, the user information, and the benefit information . At this time, the payment server 500 adds the amount of the benefit amount applied to the benefit information corresponding to the final participant contribution (or the benefit information applicable to the user of the user device 100) transmitted from the service providing device 300 (Or the actual payment amount).

For example, the payment server 500 may receive the 11th card information, the 11th user information and the 11th benefit information related to the first user apparatus transmitted from the service providing apparatus 300, the 12th card information related to the second user apparatus, The twelfth user information and the twelfth benefit information, the thirteenth card information related to the third user device, the thirteenth user information and the thirteenth benefit information, the commodity information about the eleventh commodity to the thirteenth commodity, 100,000 won for the first user device, 125,000 won for the second user device, 125,000 won for the third user device, etc.).

In addition, the payment server 500 transmits a first benefit amount corresponding to the 11th benefit information (for example, 100,000 won or more as an AA payment card) to the final participation contribution (for example, 100,000 won) (For example, 90,000 KRW) applying the 10% discount for the second user device and the 12th benefit information (For example, 112,500 won) to which the second benefit amount corresponding to the first payment amount (for example, 10% discount for the payment of 100,000 won or more with the AA payment card) is applied, The third benefit amount corresponding to the 13th benefit information for the final participation contribution (for example, 125,000 won) (for example, 10% discount and 4% additional payment when paying over 120,000 won with BB payment card) Third actual payment amount (e.g. And KRW 112,500) for performing the settlement function. In addition, the payment server 500 transmits a third accumulation point (for example, 4,500 won) according to the thirteenth benefit information (for example, 10% discount and 4% (Or provided) to the user device (S520).

Then, the payment server 500 transmits the result of performing the payment function for each user device (or payment information for each user device) to the POS terminal 400, the service providing apparatus 300, and the like. Here, the result of performing the payment function for each user device (or the payment information for each user device) includes a product name (or a service name), a product unique code (or service unique code), a unit price, a quantity, Amount (or total payment amount), settlement date and time information, payment card type, and the like.

In this case, when the accumulation point accumulated according to the execution of the payment function occurs, the payment server 500 transmits the accumulation point information for each user apparatus to the POS terminal 400, , The service providing apparatus 300, or the like.

For example, the payment server 500 may include a result of performing a first payment function related to the first user device, a result of performing a second payment function related to the second user device, a result of performing a third payment function related to the third user device, To the POS terminal 400, the service providing apparatus 300, and the like, third point information on the user device (for example, including the actual payment amount / 4,500 won corresponding to the 4% accumulation of the total payment amount) (S530).

Thereafter, the service providing apparatus 300 transmits a result of performing the payment function for each user device (or the payment information for each user apparatus 100) transmitted from the payment server 500 after the respective payment functions for the plurality of user apparatuses 100 are normally performed ), Earning point information on the performance of a payment function for each user device, and the like.

Also, the service providing apparatus 300 transmits to each of the plurality of user apparatuses 100 participating in the partial payment, as a result of performing the settlement function, information on the accumulation point of the settlement function, and the like.

In addition, each of the plurality of user equipments 100 receives the settlement function result transmitted from the service providing apparatus 300, the accumulation point information according to the settlement function execution, and the like. As a result of the received settlement function execution, Point information, and the like.

For example, the service providing apparatus 300 may receive a result of performing a first payment function related to the first user apparatus, which is a result of performing partial payment on the eleventh to thirteenth goods transmitted from the payment server 500, As a result of the execution of the second payment function related to the third user device, the third payment function related to the third user device, the third payment point information related to the third user device (e.g., corresponding to the actual payment amount / 4% 4,500 won including a credit point). Also, the service providing apparatus 300 transmits the first payment function execution result to the first user apparatus, transmits the second payment function execution result to the second user apparatus, and the third payment function execution result and the third payment point Information to the third user device (S540).

7 to 8 are flowcharts illustrating a method of controlling a payment system according to a second 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 the barcodes attached to the 21st to 24th commodities of the 21st to 24th commodities selected by the user of the plurality of user equipments 100, And displays the product information for the 21st product to the 24th product.

In another example, the POS terminal 400 displays service information for the twenty-first service to the twenty-third service for the twenty-first service to the twenty-third service used by the user of the plurality of other user devices 100 (S710 ).

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 as a part-time payment participant for partial settlement.

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 the divided payment settlement participant for the partial payment in the divided payment registration room.

For example, when a user of a twenty-first user device 100 through a twenty-third user device 100 wants to perform a partial payment function for the selected twenty-first to twenty-fourth goods, the twenty-first to twenty-third user devices To the service providing apparatus 300, and registers them as divided payment participants for partial payment settlement.

In another example, when the users of the 31st user device 100 to the 35th user device 100 want to perform the split payment function for the 21st service to the 23rd service selected by the users, (S720), respectively, by connecting to the service providing apparatus 300 and registering them as a partial payment participant for partial payment.

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 may be configured such that one of the plurality of (or all) payment cards issued to the plurality of user apparatuses 100 participating in the partial payment is one having the largest benefit (for example, (Or a plurality of) payment cards.

At this time, the service providing apparatus 300 collects a plurality of payment card information previously issued to each user device 100 for a plurality of user apparatuses 100, and selects one of the plurality of payment cards, (Or a plurality of) payment cards.

In addition, the service providing apparatus 300 performs an actual payment function to one (or a plurality) of user devices 100 that have received the payment card having the largest benefit among the plurality of user devices 100 participating in the partial payment (Or the payment representative user device).

For example, the service providing apparatus 300 may receive the total payment amount (for example, 150,000 won) for the 21st to 24th items transmitted from the POS terminal 400, the product information for the 21st to 24th items Lt; / RTI > Also, the service providing apparatus 300 confirms the AA payment card, the BB payment card, the CC payment card, the DD payment card, and the EE payment card issued by the twenty-first to twenty-third user apparatuses participating in the partial payment. In addition, the service providing apparatus 300 may receive the CC payment card having the largest benefit from the store having the POS terminal 400 among the identified AA settlement card, BB settlement card, CC settlement card, DD settlement card and EE settlement card Check. In addition, the service providing apparatus 300 may further include a twenty-second user apparatus, which has received the largest CC payment card having the largest benefit (for example, 20% discount and 2% (S730).

Thereafter, the service providing apparatus 300 transmits the actual payment amount to which the benefit has been applied to the total payment amount determined, based on the actual payment amount and the number of the plurality of user apparatuses 100 participating in the partial payment, Setting. At this time, 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 include a CC payment card issued to the twenty-second user apparatus among a plurality of user apparatuses participating in the partial payment for the total payment amount (for example, 150,000 won) for the twenty- (For example, 150,000 won-30,000 won = 120,000 won) to which a 20% discount is applied (for example, 150,000 won × 20% = 30,000 won) In step S740, an amount equal to the amount of 40,000 KRW is set for each user device according to a preset equal burden based on the number of the 23rd user devices.

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.

As an example, the service providing apparatus 300 generates a first temporary account (for example, 123-456-789) for receiving the available points at a plurality of preset sites for the partial payment (S750).

Thereafter, the service providing apparatus 300 transmits to the user device (or the payment representative user apparatus) 100 of the representative payer a list of one or more items to be paid, a contribution card per participant, a recommended card list including the largest payment card, Information, and the actual payment amount to which the benefit information applies.

The service providing apparatus 300 may further include information on contributions to each participant 100 other than the payment representative user apparatus 100 among the plurality of user equipments 100, Representative payer information, and the like.

For example, the service providing apparatus 300 may provide the 22nd user equipment, which is a representative payer, with the merchandise information for each of the 21st merchandise to the 24th merchandise, the contribution per participant (for example, 40,000 won for the 22nd user device, 40,000 won for the user device of the 22nd user device, 40,000 won for the 21st user device set according to the burden), a recommended card list including the largest CC payment card, benefit information For example, if you pay more than 100,000 KRW for a CC payment card, you get 20% discount and 2%) and the actual payment amount (for example 120,000 won) to which the benefit information applies.

In addition, the service providing apparatus 300 may send a contribution contribution fee (for example, a contribution fee) to each of the twenty-first user device and the twenty-third user device, excluding the twenty-second user device, A contribution of 40,000 won for the 21st user equipment, 40,000 won for the user equipment of the 22nd user equipment, and 40,000 won for the user equipment of the 23rd user equipment, which are set in accordance with the equal burden on the actual amount to which the discount is applied to the total payment amount) (For example, the twenty-second user apparatus), and the like (Step S760), and transmits the first information including the first goods information (e.g., 123-456-789) .

Then, among the plurality of user devices 100 participating in the partial payment, the remaining user devices 100 except for the payment representative user device 100 receive information on the contributions per participant, temporary accounts, etc. transmitted from the service providing device 300, One or more goods information to be settled, representative payer information, and the like.

In addition, the remaining user device 100 displays information on the contribution amount per participant, temporary account, etc., information on one or more items to be paid, representative payer information, and the like.

At this time, the remaining user device 100 can display information on contributions, temporary accounts, and the like of the participant, information on one or more items to be paid, representative payer information, and the like, previously received through the application installed in the user device 100 have.

Each of the remaining user devices 100 transmits the corresponding contribution to the corresponding user device 100 among the contributions attributed to the respective participants according to the user selection (or input / control) of the corresponding user device 100 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 twenty-first user device and the twenty-third user device, except for the twenty-second user device, which is a representative payment device among the twenty-first to twenty-third user devices participating in the partial payment, (Including, for example, an amount of 40,000 Won for the 21st User Equipment, 40,000 Won for the 22nd User Equipment, and 40,000 Won for the User Equipment of the 23rd User Equipment, all of which are set in equal pay for the actual amount to which the discount is applied to the total payment amount) First information including a first temporary account (for example, 123-456-789), product information for the 21st item to the 24th item, representative payer information (for example, the 22nd user device), and the like And displays the received information.

Each of the twenty-first user device and the twenty-third user device transmits an amount corresponding to the participant-specific contribution (for example, a point corresponding to 40,000 won) to the corresponding first provisional account (S770).

In addition, the payment representative user device 100 may receive at least one item of information to be paid out, information on the contribution to each participant, a recommended card list including the largest payment card, benefit information, and corresponding benefit information transmitted from the service providing apparatus 300 The actual payment amount applied, and the like.

In addition, the payment representative user device 100 displays the received one or more items of goods to be paid, an attribution for each participant, a recommended card list including the largest payment card, benefit information, an actual payment amount to which the benefit information is applied do.

9, the twenty-second user apparatus, which is a payment representative user apparatus, transmits merchandise information 910 for the twenty-first merchandise to the twenty-fourth merchandise transmitted from the service providing apparatus 300, (E.g., 40,000 won for each of the twenty-first user device to the twenty-third user device) 920, a recommended card list 930 including the largest CC payment card, benefit information (for example, 20% discount and 2% deposit when paying over 10,000 won) 940, actual payment amount (e.g. 120,000 won) 950 applied with the benefit information (S780).

Thereafter, the payment representative user device 100 displays the type of payment card (or the unique identification information of the payment card) according to the user input (or user selection) through a specific application installed in advance in the corresponding payment representative user device 100, Lt; / RTI >

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 twenty-second user apparatus, which is a payment representative user apparatus, confirms a CC payment card selected from the recommended card list shown in FIG. Also, the twenty-second user apparatus receives a first PIN number (e.g., 987654) according to user input through the corresponding electronic wallet app. Also, the twenty-second user apparatus transmits the confirmed CC payment card (or CC payment card type), the received first PIN number, the identification information of the twenty-second user apparatus, and the like to the service providing apparatus 300 (S790).

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.

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. At this time, the service providing apparatus 300 may check whether or not all the amounts excluding the contribution corresponding to the user device 100 of the representative payer are collected.

For example, the service providing apparatus 300 receives the CC payment card (or CC payment card type) transmitted from the twenty-second user apparatus that is the payment representative user apparatus, the received first PIN number, the identification information of the twenty-second user apparatus, do.

In addition, the service providing apparatus 300 determines whether all contributions to each participant (for example, 40,000 won) are transmitted from the twenty-first user apparatus and the twenty-third user apparatus to the first provisional account (S800).

As a result of checking, if all of the actual settlement amounts are not collected (or the settlement amounts other than the contribution of the payment representative user device are not collected in the actual settlement amount), the service providing device 300 checks the temporary account, The process returns to step (S800) of confirming whether or not all the amounts are collected.

For example, it is assumed that, among the actual payment amount of 120,000 won through the first temporary account, the contribution of the twenty-first user device of 40,000 won and the contribution of the twenty-third user device of 40,000 won, except for the 40,000 won contribution of the twenty-second user device, When not collected, the service providing apparatus 300 confirms the first provisional account and continuously checks whether the contribution is transferred from the twenty-first user apparatus and the twenty-third user apparatus.

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.

As another example, if the user of the twenty-first user device, which is the representative payment user device, among the actual payment amount of 120,000 won, the contribution of the twenty-first user device is 40,000 won and the contribution of the twenty-third user device is 40,000 won The service providing apparatus 300 transmits information indicating that the divided payment has been canceled to the 21st to 23rd user equipments respectively and transmits the information indicating that the divided payment has been canceled to the twenty-third user equipment (For example, 40,000 won) (S810).

If all of the actual payment amounts have been collected (or the payment amounts other than the contribution of the payment representative user device have been collected during the actual payment amount), the service providing device 300 transmits information on at least one item to be paid, The card information corresponding to the actual payment amount (or the total payment amount), the PIN number related to the user device 100 of the representative payer previously received (or the identification information of the representative payer's user device 100) 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.

For example, the service providing apparatus 300 may include the 31st card information, the 31st user information, the 31st benefit information, and the like corresponding to the first PIN number (or the identification information of the 22nd user apparatus) And confirms the confirmed 31st card information, the 31st user information, the 31st benefit information, the commodity information for the 21st commodity to the 24th commodity, the actual payment amount (for example, 120,000 won), and the like to the payment server 500 (S820).

The settlement server 500 then transmits information on at least one item to be paid, the actual payment amount (or the total payment amount), the PIN number (or the identification information of the user 100 of the representative payer) transmitted from the service providing apparatus 300, User information, benefit information, and the like corresponding to the card information.

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 include the 31st card information, the 31st user information, the 31st benefit information, the commodity information for the 21st commodity to the 24th commodity, the actual payment amount (for example, (For example, a 20% discount and a 2% credit when paying over 100,000 won for a CC payment card, for example) for the 21st goods to 24th goods to be paid, (For example, 120,000 won) to which the benefit amount corresponding to the benefit amount corresponding to the payment amount is applied (S830).

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 the result of performing a payment function for the 21st to 24th goods to the POS terminal 400, the service providing device 300, and the like.

As another example, the payment server 500 may calculate the accumulation point information (for example, the actual payment amount / the accumulation point of 2,400 won corresponding to the accumulation of 2% of the total payment amount, And the like to the POS terminal 400, the service providing apparatus 300 or the like (S840).

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 the actual payment amount / total payment amount) as a result of performing the payment function for the 21st to 24th goods transmitted from the payment server 500 , And transmits the result of performing the payment function for the received twenty-first to twenty-fourth goods to the twenty-first to twenty-third user devices participating in the partial payment, respectively (S850 ).

Then, the service providing apparatus 300 transmits the actual payment amount (or the total payment amount, the actual payment amount excluding the contribution of the payment representative user apparatus) to the corresponding payment representative user device 100 (or the payment representative To a predetermined account of the user device 100). At this time, when there are a plurality of representative payers, the service providing apparatus 300 distributes the actual payment amounts collected in advance according to the ratio set by the plurality of representative payers, and distributes the distributed payment amounts to a plurality of representative payers May be provided to a plurality of payment representative user devices 100, respectively.

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 may transmit the collected contribution (for example, 80,000 won, including the contribution of the twenty-first user apparatus and the contribution of the twenty-third user apparatus, excluding the twenty-second user apparatus, And provides it to the account previously registered by the user device 22. Also, the twenty-second user apparatus confirms the deposit of the collected contribution money provided from the service providing apparatus 300 (S860).

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.

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 earning point information (for example, including the earning point of 2,400 won corresponding to 2% earning of the actual payment amount / total payment amount) due to the performance of the payment function, the service providing apparatus 300 (2,400 won) according to the contribution (for example, the twenty-first user device 40,000 won, the twenty-second user device 40,00 won, and the twenty-third user device 40,000 won) And the twenty-third user apparatus 800, respectively, and provides the distributed pay-point information to the twenty-first to twenty-third user apparatuses, respectively. In addition, the twenty-first to twenty-third user devices display the result of performing the payment function transmitted from the service providing apparatus 300, information on the accumulation point, and the like (S870).

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, according to the embodiment of the present invention, when performing a partial settlement, the service providing apparatus having payment means information for a user participating in the corresponding partial settlement may calculate the optimal It is possible to obtain a substantial discount on the billing cost and to improve the satisfaction of the user.

As described above, in the embodiment of the present invention, in the case of performing the partial settlement, the embodiments of the present invention may be arranged such that, in performing the partial settlement, the pre-set contribution amount per participant is re-adjusted according to the settlement means relating to the plurality of user apparatuses participating in the partial settlement, (Or an adjusted contribution) to the one or more user devices that are the payers, and the remaining participants apply the discounted amount to one or more user devices, which are the representative payers, Can be provided.

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 partial payment, a service providing apparatus having payment means information for a user participating in the partial payment recommends an optimal partial payment method in consideration of the benefits for each payment means and the contribution per participant, The present invention can be widely used in a field of a simple payment field, an advertisement field, a service providing device field, a user device field, a POS terminal field, and a payment server 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;
A plurality of user devices for performing a partial payment participation registration procedure; And
Setting a contribution amount for each participant based on a total payment amount for the one or more goods to be settled and a number of the plurality of user devices participating in the divisional settlement and for each of the plurality of user devices, A payment amount determining unit for determining one or more payment card information for each of the at least one payment card for each user device, And the discount information corresponding to the recommendation card, and information on the at least one item to be set as the plurality of the plurality of items, To the user device of the service providing apparatus The system. The method according to claim 1,
The participant-specific contribution amount is set by 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 further include a first payment card corresponding to one user apparatus for receiving the benefit of the selected payment apparatus for the user apparatus and a first contribution card corresponding to the one user apparatus, Determining whether the first difference amount is smaller than a first discount amount to which the discount benefit of the first payment card is applied to the first contribution amount when the calculated first difference amount is greater than zero, When the first difference amount is smaller than the first discount amount, adjusting the first contribution amount corresponding to the one of the user equipments to a reference amount of the first payment card, Adjusts the contribution of one or more of the user devices other than the device to an adjusted contribution amount, Payment system which comprises setting a per-user contributions. The method according to claim 1,
Wherein each of the plurality of user equipments respectively selects one payment card from among the recommended card list per user apparatus transmitted from the service providing apparatus, receives a PIN number corresponding to the selected payment card according to user selection, The card type, the PIN number, and the identification information of the user apparatus to the service providing apparatus. 5. The method of claim 4,
The service providing apparatus checks card information for each user device, user information for each user device, and benefit information for each user device corresponding to PIN numbers of the plurality of user devices transmitted from the plurality of user devices, respectively , The confirmed card information for each user device, the user information for each user device, the benefit information for each user device, the goods information to be paid for one or more items, and the contribution for each final participant. . 6. The method of claim 5,
And a payment server for performing a payment function,
The settlement server is a settlement server for managing the contribution to the final participant corresponding to the one or more goods information to be settled based on the card information for each user device, the user information for each user device, And transmits the accumulated points to the service providing apparatus according to a result of the payment function execution performed by the user apparatus and a payment function performed by the user apparatus. The method according to claim 6,
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;
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;
Confirming at least one payment card information per user apparatus previously issued for each of the plurality of user apparatuses via the service providing apparatus;
Selecting, by the service providing apparatus, the payment card having the largest benefit from among the one or more payment cards for each user apparatus;
Setting an amount of contribution for each participant by adjusting a contribution amount for each participant based on a reference amount for applying the benefit of the payment card for each selected user device and the contribution amount for each participant through the service provision device; And
Transmitting to the plurality of user apparatuses via the service providing apparatus, the contribution information for each of the end participants, the recommendation card list for each user device, the discount benefit information corresponding to the recommendation card, Method of controlling the system. 9. The method of claim 8,
The step of setting the contribution for each final participant comprises:
The method comprising the steps of: receiving, via the service providing apparatus, a reference amount of a first payment card corresponding to a user apparatus for receiving the benefit of the selected payment apparatus for each user apparatus, and a first contribution amount corresponding to the user apparatus Calculating a first difference amount;
Determining whether the first difference amount is less than a first discount amount to which the discount benefit of the first payment card is applied to the first contribution amount when the calculated first difference amount is greater than zero;
Setting an amount of the per-participant contribution as the contribution amount per the final participant when the first difference amount is equal to or greater than the first discount amount as a result of the checking; And
When the first difference amount is smaller than the first discount amount, adjusting the first contribution amount corresponding to the one of the user devices to a reference amount of the first payment card, Adjusting the contribution amount of at least one of the user equipments other than the one of the user equipments and setting the contribution amount per participant adjusted as the contribution amount per the final participant, . 9. The method of claim 8,
Selecting one payment card from among the recommended card list for each user apparatus transmitted from the service providing apparatus through the plurality of user apparatuses, receiving a PIN number corresponding to the selected payment card according to user selection, Transmitting the payment card type, the PIN number, and the identification information of the user apparatus to the service providing apparatus;
A plurality of user device-specific card information, a plurality of user device-specific user information, and a plurality of benefit information for each user device corresponding to a plurality of PINs for each user device transmitted from the plurality of user devices, Checking;
Transmits the confirmed card information for each user device, user information for each user device, benefit information for each user device, information on one or more goods to be settled, and the contribution amount for each final participant through the service providing device step;
A payment server for collecting information on the contribution to each of the plurality of user equipments based on the card information for each of the plurality of user equipments, Performing a device-specific payment function;
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. 11. A recording medium on which a computer program for performing the method according to any one of claims 8 to 10 is recorded.
KR1020150133417A 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 KR20170034732A (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
KR1020150133417A KR20170034732A (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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