KR20180019935A - Method for Providing Autonomic Dutch Pay after Normal Payment - Google Patents

Abstract

The present invention relates to an autonomously and individually paying method after a normal payment. According to the present invention, the autonomously and individually paying method after the normal payment is executed by a server communicating with N numbers (N>=2) of wireless terminals having a designated application. The autonomously and individually paying method after the normal payment includes: a first step of checking an original payment requested as a posterior individual payment by an application installed in a user wireless terminal among payments normally processed by a payment unit of a user in an affiliate store linked with the server; a second step of authorizing whether the posterior individual payment on the original payment to which individual payment is requested can be processed; a third step of checking (N-1) number of subject identification information identifying at least (N-1) number of individual payment subjects which are input (or are selected) by the application of the user wireless terminal when the posterior individual payment on the original payment can be processed, and of checking N number of amount information to be individually paid by the application of the N number of the wireless terminals including the application of the (N-1) number of subject wireless terminals corresponding to the (N-1) number of the subject identification information and the application of the user wireless terminal; a fourth step of individually requesting the individual payment on each of N number of amount information checked by the application of the N number of the wireless terminals; and a fifth step of executing a procedure canceling authorization on the original payment of the N number of the individual payments authorized in a case in which all the N number of the individual payments are individually authorized within a designated individual payment completion waiting time.

Description

{Method for Providing Autonomic Dutch Pay after Normal Payment}

The present invention can be applied to an N (N > = 2) self-settlement object including a person himself / herself through an app of a wireless terminal after an arbitrary user makes a settlement process using a personal payment means at an arbitrary merchant store, When the payment is requested, N pieces of money amount information to be processed by each of the N payment objects are confirmed, and each of the N pieces of money information is provided as an application of N wireless terminals to request payment of each of them. And if the user accepts all of the approval, cancel the approval of the original payment of the user, and replace the original payment with the newly approved N respective payment.

As the economy gets harder, Dutch Pay payments are becoming more frequent. The traditional Dutch pie visited N (N ≥ 2) customers who visited the offline merchant together and bought the goods (or services), stood in front of the checkout counter of the merchant, and paid 'y' (x <y) "If the salesperson tells the salesperson by mouth, the salesperson inputs the customer's y won into a payment terminal such as a POS, and then repeats the process of paying each customer using the payment method presented by the customer N times And it is necessary to visually verify that the sum of the N payments collected by the calculator on the paper is equal to the total payment amount after the N payments are written on paper. This is cumbersome and inconvenient, and it takes a lot of time Therefore, some franchisees have the problem of rejecting Dutch paper at all (http://mbn.mk.co.kr/pages/news/newsView.php?category=mbn00009&news_seq_no=2914957).

Meanwhile, in order to solve the problem of the conventional Dutch payment method, a Dutch payment method in which a plurality of customer mode devices are grouped and managed in advance, each of which is ordered from grouped customer mode devices, (Patent Publication No. 10-2014-0117198 (October 07, 2014)). However, this method is inconvenient for grouping and managing because customers must be grouped and managed beforehand (at least before ordering), and it is difficult to pay for grouping by real-time grouping at the time of payment after ordering.

On the other hand, according to the conventional method of the Dutch payment method, when one of N customers makes a payment for the entire amount and then informs the account information to the remaining persons, the payment is made to the customer's account after the payment. In this case, The process of checking whether the payment is not only cumbersome and inconvenient, but also having the actual payment is also troublesome and uncomfortable.

Meanwhile, in order to solve the problem of the conventional Dutch payment, after registering the personal payment information of the participant to participate in the Dutch payment in the card payment application of the mobile communication terminal of the representative, the payment message for payment confirmation is transmitted to the pre- And each participant approves the participation in Dutch paper, the Dutch payment method of a form in which the personal payment information of the Dutch paper participants is transferred to the card company and is settled separately is proposed in the card payment application of the representative (see (10-2015-0080066 July 09, 2015). However, this method has the problem that the representative manages the personal payment information of the participants, thereby causing privacy invasion, disclosure of personal settlement information, and financial accidents.

In order to solve the above problems, it is an object of the present invention to provide a method and apparatus for solving the above-mentioned problems, (N-1) pieces of object identification information that identifies at least (N-1) individual payment objects input (or selected) through the app of the user wireless terminal when the payment processing is possible and the post- (N-1) target wireless terminals corresponding to the (N-1) pieces of object identification information, and transmits the N After confirming the amount information, each payment of each of the N pieces of the confirmed N pieces of money amount information is requested to each of the N wireless terminals, and the N pieces of payment If both individually approved by the circle has suggested to cancel the payment authorization to provide an autonomous after each payment that replaces the original settlement cases through the N respective payment newly approved.

The autonomous posterior payment method according to the present invention is a method executed by a server communicating with N (N? 2) wireless terminals installed with a designated app, the method comprising the steps of: The method comprising: a first step of confirming an original payment request for payment of a posterior payment through an app installed in a user wireless terminal among payment transactions normally processed through payment means; (N-1) self-settlement objects inputted (or selected) through the app of the user wireless terminal when the after-party self settlement process is possible, (N-1) pieces of object identification information corresponding to the (N-1) pieces of object identification information, and includes N pieces of A third step of confirming N pieces of money amount information to be settled through the apps of the wireless terminals of the N pieces of wireless terminals, And a fifth step of performing a procedure of canceling approval of the original payment of each of the approved N settlement cases when all of the N individual settlements are individually approved within the designated settlement completion waiting time period.

According to the present invention, the autonomous posterior self settlement method may further comprise registering and storing the self-identification information that uniquely identifies the self from the app of the user wireless terminal installed with the designated app, And confirming the original payment request requested to be paid by the end user in cooperation with the application of the wireless terminal matching the stored self-identification information.

According to the present invention, the self-identification information may include at least one of a telephone number of the user wireless terminal, a unique code assigned to the user wireless terminal, a token code not separately allocated after the application is installed in the user wireless terminal, A dynamic number generated without being duplicated through the designated server, and a dynamic number generated by the designated server that is not duplicated and provided to the user wireless terminal.

According to the present invention, the one-way payment may include a settlement item requested by the user's wireless terminal through the app of the user's wireless terminal among the payment items recognized as payment means of the user at the merchant terminal of the merchant . In this case, the first step may include payment means issuer information, payment means information, merchant information, settlement approval information, settlement date information, and settlement amount information for the original payment request from the app of the user wireless terminal And receiving the original payment information including the specified one or more pieces of information.

According to the present invention, the original payment information is transmitted to the server by transmitting the unique identification information obtained from the user wireless terminal and the merchant shop identification information that uniquely identifies the merchant store in the merchant terminal provided at an arbitrary merchant store, The merchant corresponding to the merchant identification information may be matched with the user wireless terminal of the matching wireless terminal, and then the payment transaction of the matching merchant through the payment means of the user through the matching wireless terminal may be included.

According to the present invention, the original payment request is transmitted to the server by transmitting the medium identification information recognized from the medium of the affiliate shop provided at an arbitrary merchant's location in the app of the user wireless terminal and the magnetic identification information for identifying the self, to the medium identification information And a settlement result of matching the merchant having the corresponding medium with the user wireless terminal, processing the settlement of the matching merchant through the user's payment means through the application of the matched wireless terminal, and the like. Meanwhile, the franchise-side medium includes a Bluetooth medium for transmitting the Bluetooth signal including the medium identification information, an NFC medium having the medium identification information and providing NFC (Near Field Communication), a sound wave signal obtained by encoding the medium identification information An image medium having a code image in which the medium identification information is encoded, and an image medium having a code image in which the medium identification information is encoded. On the other hand, the medium of the franchisee may be a separate medium provided to the franchisee, or may be included in the franchisee terminal of the franchisee.

According to the present invention, the first step may include receiving the original payment information including the payment transaction identification information for identifying the original payment transaction requested from the app of the user wireless terminal.

According to the present invention, the second step may include a step of authenticating that the settlement means of the original settlement request requested by the posterior individual settlement is a settlement means of the payment means issuer capable of canceling the approval at the server.

According to the present invention, the second step may include a step of authenticating whether or not the self-payment completion date added with the self-payment completion waiting time specified at the time of the request for the subsequent self-payment is within the approval cancellation date of the original payment request have.

According to the present invention, the object identification information may include identification information of each payment object inputted through the application of the user wireless terminal, identification information of each payment object selected through the application from the contact list of the user wireless terminal, And at least one identification information of each settlement object requesting payment by an app of the wireless terminal. On the other hand, the object identification information corresponds to the telephone number of the wireless terminal corresponding to the object of settlement, the account information of the object corresponding to each settlement object, the mail address of the object person corresponding to each settlement object, A unique code assigned to the subject wireless terminal received from the wireless terminal of the user wireless terminal, and a token code separately allocated after the application is installed in the subject wireless terminal.

According to the present invention, the autonomous posterior self settlement method may further comprise: (N-1) pieces of object identification information, when the (N-1) The method comprising the steps of: (a) confirming whether or not an application specified in the wireless terminal is installed; (b) if the application is not installed in at least one target wireless terminal among the (N-1) 'To be adjusted.

According to an embodiment of the present invention, the N pieces of money amount information may include N pieces of money obtained by dividing the approved payment amount of the original payment request requested by the after-party self payment into 'N', N pieces of money input through the app of the user's wireless terminal N 's total of the N amount of money is equal to the amount of the approved payment amount of the original payment request requested to be paid, and the amount of the approved payment of the original payment requested after the' (N is an integer equal to or larger than 1) and N pieces of money including N pieces of money that are divided into N pieces of money, And may include at least one of N amounts that match the approved payment amount.

According to the present invention, in the fourth step, each of the N pieces of merchant information of the original payment cases requested by the respective apps of the N wireless terminals and each of the confirmed N pieces of money information is provided, And requesting that each of the N settlements involving the app be processed.

According to the present invention, in the fourth step, the merchant information of the original payment cases requested by the respective (N-1) subject wireless terminals excluding the user wireless terminal and each of the (N-1) (N-1) self-payment processes involving the apps of the (N-1) wireless terminals, respectively, by providing each of the (N-1) Lt; RTI ID = 0.0 &gt; payment &lt; / RTI &gt;

According to the present invention, the autonomous posterior self settlement method may further include a sixth step of replacing the canceled original case using the approved N individual settlement when the original payment is canceled. Meanwhile, in the sixth step, the unauthorized original payment cancellation information and the approved N pieces of payment information may be stored in association with each other.

According to the present invention, after a plurality of users are not grouped and managed in advance, one of a plurality of users performs settlement processing on behalf of a user, and then N respective settlement targets are designated through an app of the user wireless terminal, , It is possible to postpone each of the N individual settlements and to cancel the original payment once it has been approved. Thus, it is possible to conveniently and conveniently store the goods without wasting unnecessary time in front of the counter of the offline merchant, There is an advantage of implementing a payload.

According to the present invention, since a plurality of users pay their own settlement amount directly to a merchant using their own payment means, they can receive various benefits or incentive benefits by using their own payment means or paying directly to a merchant There is an advantage.

FIG. 1 is a diagram showing a configuration of a system for providing autonomous post-mortem settlement according to an embodiment of the present invention.
2 is a diagram illustrating an information registration process according to an embodiment of the present invention.
3 is a diagram illustrating an example of a reverse identification process for original payment according to an embodiment of the present invention.
4 is a diagram illustrating an example of a forward identification process for original payment according to an embodiment of the present invention.
5 is a diagram illustrating a process of processing an original payment through an app of a user wireless terminal according to an embodiment of the present invention.
FIG. 6 is a diagram illustrating a process of requesting a post-settlement settlement of normal settlement according to an embodiment of the present invention.
FIG. 7 is a diagram illustrating a process of processing a posterior self settlement according to an embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.

In other words, the following embodiments correspond to the preferred embodiment of the preferred embodiment of the present invention. In the following embodiments, a specific configuration (or step) is omitted, or a specific configuration (or step) (Or steps), or an embodiment that incorporates functions implemented in more than one configuration (or step) into any one configuration (or step), a particular configuration (or step) It will be apparent that the present invention is not limited to the embodiments described below. In the following embodiments, a specific configuration unit implemented on the server side is implemented on the terminal side and reference is made on the server side, or conversely, in the following embodiments, a specific configuration unit implemented on the terminal side is implemented on the server side, And all of the embodiments utilizing the same are also included in the scope of the present invention. Therefore, it should be clearly stated that various embodiments corresponding to subsets or combinations based on the following embodiments can be subdivided based on the filing date of the present invention.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

FIG. 1 is a diagram showing a configuration of a system for providing autonomous post-mortem settlement according to an embodiment of the present invention.

More specifically, FIG. 1 shows an example in which an arbitrary user makes a settlement process using a person's payment means at an arbitrary merchant store, and then, through an app of the wireless terminal 190, transmits N (N2) N pieces of money amount information to be processed by each of the N pieces of payment objects are confirmed and provided to each of the N pieces of wireless terminals 190 by the respective N pieces of payment information, It is determined whether or not all of the N settlements are individually approved, and if all of the N settlements are approved, the system can replace the original settlement through the N approved ones after the approval of the original settlement of the user is canceled Those skilled in the art will appreciate that various modifications and variations of the present invention are possible in light of the teachings of the present invention. It is to be understood that the present invention may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. Its technical characteristics are not limited.

According to the present invention, one settlement in which an arbitrary user makes settlement processing using the principal settlement means and N settlement in which N users who are designated by the user perform settlement processing are executed, and any user can use the own settlement means , The first settlement is called 'original settlement' for the N settlements to distinguish the settlement from the N settlements to be processed at a later time, and the 'original settlement' Will be referred to as &quot; N individual settlement &quot; for the original settlement which has been processed before, and the features of the present invention will be described.

The system of the present invention is a system for requesting a post-settlement settlement for a original settlement case that the user has (or is possession of) and is capable of wireless communication and the settlement processing normally performed by the user, and / A user wireless terminal 190 in which one or more designated applications are installed, and an offline merchant that sells products (or services) available to be visited by two or more users together, and the normal payment of a specific user is post- (N &gt; = 2) user wireless terminals 190 installed with one or more designated apps for post-processing the normal payment of a specific user as payment for each of a plurality of users, And to process the settlement of the specific user or to make a normal settlement of the specific user to a plurality of users The mobile wireless terminal 190 can communicate with the merchant terminal 180 of the offline merchant where the merchant application for post processing is processed by each payment, The user can check whether the payment is successful or not, and if the payment can be processed after the payment, the user of the user wireless terminal 190 (N-1) pieces of object identification information that identifies at least (N-1) self-payment objects input (or selected) through the user wireless terminal 190, N pieces of money amount information to be paid through each of the N wireless terminals 190 including the applications of the (N-1) subject mobile terminals 190 corresponding to the two pieces of object identification information,A request for each settlement of N pieces of money amount information by an app of the wire terminal 190, and if all of the N pieces of money information are individually approved within the specified self payment completion waiting time, , And when the approval of the original payment request is canceled, it is possible to implement at the server side among the series of processes of replacing the unauthorized original payment case using the approved N individual settlement, or to correspond to the configuration to be implemented at the server side And an operation server 100. That is, the operating server 100 illustrated in the embodiment of the present invention is not limited to any one physical server type device, and may be implemented on the server side for the present invention, A server, a combination of two or more servers, one or more server-side software, or an optional combination thereof, and the like. Accordingly, the operational server 100 of the present invention may perform operations of the server described in the claims, or may cause a designated entity (e.g., the wireless terminal 190 and / or the merchant terminal 180) (S) of the present invention in the case of instructions / commands / engagements to perform.

The user wireless terminal 190 is a collective term for a wireless communication terminal that each user owns (or carries) and uses to request and / or process a post-settlement settlement of normal processing using a user's payment means, Preferably, the mobile communication terminal may include at least one of a smart phone, a mobile phone, and a tablet PC in which one or more designated apps for replacing the original payment, which is normally paid by a specific user, are set as a post-payment.

The merchant terminal 180 is collectively referred to as an affiliate shop terminal provided in an offline merchant that sells a commodity (or service) that can be settled. The merchant terminal 180 preferably has a function of processing the original payment of a specific user, A tablet POS, and a designated wireless terminal of a merchant (or an employee), which is installed with an application for a merchant having a function of confirming the settlement of the respective individual settlement and replacing the original payment, have.

According to the embodiment of the present invention, an offline merchant having the merchant terminal 180 may store, as one of the means for identifying a merchant for processing a payment of a specific user in addition to the merchant terminal 180, 185). Preferably, the merchant-side medium 185 is a collective term of a medium that includes and / or transmits and / or outputs recognizable medium identification information via an app of the user wireless terminal 190, (For example, a Bluetooth signal for two-way Bluetooth communication, a Bluetooth signal transmitted in an asynchronous manner, and a Bluetooth signal for transmitting the Bluetooth signal including the medium identification information) (Or at least one Bluetooth signal among the Bluetooth signals)), a function of providing the designated medium identification information (or generating it in a disposable form), and the function of the wireless terminal 190 through Near Field Communication (NFC) An NFC medium 185 capable of interfacing with the wireless terminal 190 to provide the medium identification information to the wireless terminal 190, A sound wave medium 185 having a function of storing a beam (or generating a disposable form) and sending out a predetermined sound wave signal including the medium identification information, a code image obtained by encoding the specified medium identification information is displayed (or printed) And at least one medium 185 of the image medium 185 that has the function of storing the designated medium identification information (or generating it in a disposable form) and electronically displaying the code image in which the medium identification information is encoded . According to an embodiment of the present invention, the medium identification information is used to identify a franchisee having at least one medium 185 or two or more different types of mediums 185, (Not shown) in the merchant-side medium 185 to uniquely identify the merchant having the medium 185 as described above, and / And may include identification information generated by including (or concealing) identifiable information of the merchant.

According to the embodiment of the present invention, the franchise point-side medium 185 may be provided in the form of a separate medium provided to the franchisee, or may be embodied in the form of being included in the franchisee terminal 180 of the franchisee . When the franchise point side medium 185 is provided in a separate medium form, the franchise point side medium 185 may be communicated with the franchise point terminal 180 of the franchisee or may be implemented as a separate independent medium. The present invention is not limited thereto. The user wireless terminal 190 and the merchant terminal 180 interoperate with each other to allow the user wireless terminal 190 to identify the merchant through the merchant terminal 180, When the wireless terminal 190 can be identified, the separate franchise-side medium 185 may be omitted, and thus the present invention is not limited thereto.

The operating server 100 is a collective term of a server side configuration for post-processing a normal user's payment by autonomous self payment of a plurality of users. The operating server 100 preferably communicates with a user wireless terminal 190 installed with a designated application, The user can communicate with the merchant terminal 180 of the offline merchant installed with the application for the user application 180. The merchant is able to communicate with the merchant terminal 180 via the app installed in the user wireless terminal 190 among the payment items normally processed through the payment means of an arbitrary user, A function of confirming that the original payment is requested, a function of confirming whether the after-payment processing of the original payment request is possible, a function of inputting through the app of the user wireless terminal 190 when the post- (N-1) pieces of object identification information that identifies at least (N-1) self-payment objects, (N-1) target wireless terminals (190) corresponding to the (N-1) target identification information, and the application of the wireless terminal (190) A function of confirming N pieces of money amount information to be paid, a function of requesting each of the N pieces of money amount information to each of N pieces of money information by the applications of the N pieces of wireless terminals 190, A function of performing a procedure of canceling approval of the original settlement of the N approved individual settlements when all of the N individual settlements are approved, a function of performing the approval canceling of the original settlement cases And a function of replacing the unauthorized original payment case by using the N individual settlement approved at the time of disconnection, or having at least one function of performing one or more of the functions through a designated object The present invention is not limited thereto.

Referring to FIG. 1, the operation server 100 includes an affiliate shop registration unit 105 that registers an affiliate shop that permits posterior individual settlement by a plurality of users who are specified on the original payment of a specific user And a medium registration unit 110 for registering the franchise point side medium 185 when the franchise point has the predetermined franchise point side medium 185. The merchant registration unit 105 and the media registration unit 110 can be registered through the merchant terminal 180 of each merchant or through a designated registration terminal Is not limited to a path or a terminal for registering. Hereinafter, the features of the present invention will be described focusing on an embodiment in which a franchisee and a medium 185 are registered using a franchise shop terminal 180 of a franchise shop.

When the merchant terminal 180 in which the specified merchant application is installed receives the predetermined merchant registration information (for example, merchant name, address, representative name, business number, contact, etc.) through the merchant application, The registration unit 105 receives the merchant registration information, confirms the validity of the merchant registration information according to the designated examination procedure, and stores the valid merchant registration information in the specified merchant point management DB.

The merchant registration unit 105 confirms merchant information (for example, merchant number (credit card number) for credit card settlement) for payment of the merchant based on the registered merchant registration information, ), Stores the received merchant information in a designated merchant management DB, and manages the merchant information. Preferably, the merchant registering unit 105 may store and manage the merchant information and the merchant registration information.

Meanwhile, in order to process a user's payment, the merchant terminal 180 performs a procedure for identifying the user wireless terminal 190 installed with the specified application, and / or performs a payment process at the user wireless terminal 190 installed with the designated application The merchant registering unit 105 may register the merchant store identification information for identifying the merchant store from the merchant store terminal 180 and store the same in the designated merchant store management DB. Preferably, the merchant identification information includes identification information separately allocated (or confirmed) for identifying a specific merchant who allowed post-pay settlement by a plurality of users specified for the original payment of the specific user In this case, the merchant identification information is preferably stored in association with the merchant information and / or the merchant registration information. According to the embodiment, the merchant identification information may include any one of the information included in the merchant registration information, or may include the merchant information, but is not limited thereto.

If the franchisee's media 185 is provided, the media registration unit 110 acquires the media identification information of the franchise point side media 185 (for example, the user wireless terminal 190 ) Can register the recognizable medium identification information from the merchant point side medium 185 via one or more of Bluetooth signal recognition, NFC, sound wave signal recognition, and code image recognition, and store the recognized medium identification information in the designated merchant management DB. When generating the medium identification information (for example, the medium identification information generated in a disposable form) on the merchant point side medium 185, the medium registration section 110 registers the medium identification It is possible to store and manage the media information necessary for identifying / authenticating the information (for example, the medium identification information generated in the disposable form) in the specified merchant store management DB. , And the media registration unit 110 stores the medium identification information in association with the merchant information and / or the merchant registration information

Referring to FIG. 1, the operation server 100 includes an information registration unit 115 for registering self-identification information for identifying itself from an app of a user wireless terminal 190 installed with a designated application.

The application of the user wireless terminal 190 is installed in the wireless terminal 190 and the wireless terminal 190 in which the application is installed when the application specified in the user wireless terminal 190 is installed and the first operation (Or a combination of two or more of the users using the mobile terminal 190 / app).

According to the first embodiment of the present invention, the app of the user wireless terminal 190 receives the phone number previously assigned to the wireless terminal 190 for the phone call of the wireless terminal 190 And registers identification information including the input / verified phone number. The information registering unit 115 includes a phone number of the mobile terminal 190 from an app of the mobile terminal 190 And may store and manage the self identification information including the telephone number of the received wireless terminal 190 in the designated storage medium.

According to the second embodiment of the present invention, the app of the user wireless terminal 190 may include a unique code (for example, a unique code) assigned to the wireless terminal 190 before the application is installed in the wireless terminal 190 The information registering unit 115 performs a procedure of registering identification information including a unique code of the identified / input wireless terminal 190. The information registering unit 115 registers the identification code including the unique code of the wireless terminal 190 (e.g., IMSI, IMEI, MSISDN, UICCID, Receiving identification information including a unique code of the wireless terminal 190 from an app of the wireless terminal 190 and storing the identification information including the unique code of the received wireless terminal 190 in a specified storage medium .

According to the third embodiment of the present invention, the application of the user wireless terminal 190 is installed in the wireless terminal 190 after the application is installed in the wireless terminal 190 (In conjunction with a designated server) to uniquely identify / authenticate the wireless terminal 190 that installed the application or to generate / assign a separate token code that is not redundant, And the information registration unit 115 receives the identification information including the generated / allocated separate token code from the app of the wireless terminal 190 , And stores the self-identification information including the received token code in a designated storage medium for management.

According to the fourth embodiment of the present invention, an app of the user wireless terminal (190) may include an identification for identifying / authenticating a dynamic number to be dynamically generated by the wireless terminal (190) The information registration unit 115 receives the identification registration information from the application of the wireless terminal 190, identifies the identification information including the received identification registration information, Can be stored and managed on a designated storage medium. For example, if the dynamic number is generated using a code value separately generated / determined from the telephone number of the wireless terminal 190 and stored in a designated storage area of the wireless terminal 190, And may include the telephone number and code value needed to generate the dynamic number.

According to the fifth embodiment of the present invention, the app of the user wireless terminal 190 registers the identification information obtained by combining at least two of the first through fourth embodiments And the information registration unit 115 may receive the identification information and manage the self identification information including the received identification information by storing the identification information in a designated storage medium.

Meanwhile, the application of the user wireless terminal 190 may perform a procedure of receiving and registering user information for identifying a user using the wireless terminal 190 (or an app) User information can be received and stored on a designated storage medium for management.

Referring to FIG. 1, the operation server 100 receives an inquiry from an arbitrary merchant through an app installed in the user wireless terminal 190 among payment items normally processed through a payment means of an arbitrary user, And a original payment confirmation unit 125 for confirming the original payment request. When the original payment is processed in association with the operation server 100, the user performs a designated procedure for processing the original payment And an original settlement procedure unit 120.

The original payment of the present invention is an offline settlement in which the merchant terminal 180 recognizes the user payment means and performs settlement processing without involvement of the application of the user wireless terminal 190, The user of the user wireless terminal 190 recognizes the merchant-side medium 185 or the merchant terminal 180 provided in the merchant and performs payment processing Lt; RTI ID = 0.0 &gt; of &lt; / RTI &gt; reverse payment. Here, the offline payment and the forward payment have a forward flow in which the merchant terminal 180 recognizes the information of the payment means or the wireless terminal 190 and transmits the information to the server, while the reverse payment is performed in the application of the user wireless terminal 190 And a reverse flow for recognizing and processing payment.

According to the first original payment method of the present invention, a user who has an arbitrary merchant shop (for example, a merchant who can use a postal settlement service) purchases a merchandise (or a service) to be sold at the merchant shop, (E.g., a credit card, a check card, etc.) of the user. The merchant terminal 180 of the merchant receives the payment amount to be paid from the salesperson (or calculates based on the order information), recognizes the user payment means presented by the user, recognizes the payment means of the user The billing system 195 generates a request telegram including the payment means information, the entered payment amount, and the merchant information of the merchant, and transmits the request telegram to the designated payment system 195 via the designated payment path. A payment approval process of receiving the request telegram via the mobile communication terminal and processing the payment amount to the merchant for the merchant information using the payment means information included in the request telegram, And transmits it to the merchant terminal 180 via the designated payment path. The merchant terminal 180 may output a receipt including the settlement result included in the result text. Alternatively, the payment system 195 may send a message including the payment result to the user wireless terminal 190 associated with the payment means.

In the case of the first original payment application, the app of the user wireless terminal 190 that has processed the original payment recognizes the payment means of the user at the merchant terminal 180 and performs posterior individual payment among the payment items normally processed And displays the interface for inputting the original payment information for identifying the one-sided payment to be requested. The user refers to the receipt or message and inputs the original payment information for requesting the posterior payment through the interface. Preferably, the original payment information includes one or more pieces of information selected from payment means issuer information, payment means information, merchant information, payment approval information, payment date and time information, can do.

When the user of the user wireless terminal 190 transmits the original payment information input through the interface, the original payment confirmation unit 125 receives the original payment information from the application of the wireless terminal 190, (For example, one or more pieces of information of the payment instrument issuer information, the payment instrument information, the merchant information, the payment approval information, the payment date information, and the payment amount information) included in the original payment information, It is possible to confirm the original payment case requested by the user through the app of the wireless terminal 190.

According to the second original payment method of the present invention, a user who has an arbitrary merchant shop (for example, a merchant who can use a postal payment service) purchases a merchandise (or a service) And transmits unique identification information of the user wireless terminal 190 to the merchant terminal 180 through a designated procedure (e.g., Bluetooth signal recognition, NFC, sound wave signal recognition, code image recognition, key input) To be recognized.

According to an embodiment of the present invention, the unique identification information may include self identification information that the app of the user wireless terminal 190 identifies itself. For example, the unique identification information may include a phone number of the user wireless terminal 190, a unique code assigned to the user wireless terminal 190, a non-redundantly allocated token after the app is installed in the user wireless terminal 190 A dynamic number generated by the user wireless terminal 190 that is not generated redundantly, and a dynamic number generated through the designated server that is not duplicated and provided to the user wireless terminal 190. However, the unique identification information provided from the app of the user wireless terminal 190 to the merchant terminal 180 for identification of the merchant of the present invention is not limited to the above example, and various identification information may be used according to the intention of a person skilled in the art .

The franchisee terminal 180 recognizes and acquires the unique identification information of the user wireless terminal 190 and confirms the franchisee identification information that uniquely identifies the franchisee provided with the franchisee terminal 180, And transmits the acquired unique identification information to the designated operating server 100. The original payment processing unit 120 receives the merchant identification information and the unique identification information from the merchant terminal 180. [ The original payment processing unit 120 identifies a user matching the received unique identification information and identifies merchant information matching the merchant identification information based on the information registered through the merchant registering unit 105. [ Meanwhile, the merchant terminal 180 transmits to the operation server 100 a payment amount to be processed for payment through an app of the user wireless terminal 190 before, during, or after transmission of the unique identification information, (120) receives the payment amount from the merchant terminal (180). The original payment processing unit 120 provides the merchant information corresponding to the merchant identification information to the user wireless terminal 190 corresponding to the unique identification information and the payment amount received from the merchant terminal 180. [

The application of the user wireless terminal 190 registers or manages the user payment means in the security medium on the designated payment system 195 or registers or manages the user payment means in the specified security area of the wireless terminal 190, The payment method information of the user can be inputted at the time point and payment processing can be performed. When the merchant information and the payment amount are received from the operation server 100, the app of the user wireless terminal 190 extracts / inputs the user's payment means through the designated payment system 195, It is possible to perform a payment procedure for processing the payment amount to be paid to the corresponding merchant. For example, when the user payment means is registered in the security medium on the designated payment system 195, the application of the user wireless terminal 190 may include an identifier for extracting the user payment means registered in the security medium on the payment system 195, The settlement request information including the money amount and the merchant information is transmitted to the settlement system 195 or the settlement request is transmitted to the settlement system 195 via the operation server 100 (= original settlement processing unit 120) The payment system 195 receives the payment request information, extracts the user payment means registered in the security medium designated through the identifier, and transmits the settlement amount to the merchant corresponding to the merchant information The result information including the payment result of the payment approval procedure may be configured and transmitted to the app of the user wireless terminal 190 Or to be transferred to the application of the user wireless terminal 190 via the operating server 100 (= original payment processing unit 120). Alternatively, the application of the user wireless terminal 190 extracts user payment means stored in the designated security area of the wireless terminal 190 or receives the input from the user, and stores the payment means information of the extracted / input user, May be transmitted to the settlement system 195 or may be transmitted to the settlement system 195 via the operation server 100 (= original settlement procedure 120) The settlement system 195 may receive the settlement request information and perform a settlement approval procedure to settle the settlement amount to the merchant corresponding to the merchant information through the settlement means information. The result information including the result is transmitted to the app of the user wireless terminal 190 or transmitted to the application server 100 (= original payment procedure unit 120) To the application of the user wireless terminal (190). Meanwhile, the original payment confirmation unit 125 may receive payment result information from the app (or the original payment procedure unit 120) of the user wireless terminal 190, and may store and manage the result information.

In the case of the second original payment application, the application of the user wireless terminal 190 that has processed the original payment stores the result information about the payment case normally processed in connection with the specified payment system 195 in the designated storage area And / or share / register with the operation server 100. [ Meanwhile, the application of the user wireless terminal 190 displays an interface for selecting one of the original payment items to be requested for the posterior payment among the normally processed payment items (if the latest payment is automatically selected) An interface may be displayed requesting a post-settlement payment for the original payment. When the payment of the selected payment is requested using the interface, the app of the user wireless terminal 190 transmits payment identification information (e.g., identification information) to the operation server 100, And / or information for identifying the payment method issuer information, the payment means information, the merchant information, the payment approval information, and the payment approval information for the selected original payment item) Settlement date information, and settlement amount information, and transmits the original payment information to the operation server 100, thereby requesting settlement of a post-settlement settlement for the selected settlement case.

When the original payment information is transmitted from the application of the user wireless terminal 190, the original payment confirmation unit 125 receives the original payment information from the application of the wireless terminal 190, Or inquire through the designated server to confirm the original payment request requested by the user's wireless terminal 190 through the app of the user's wireless terminal 190. [

According to the third original payment method of the present invention, the merchant that can use the after-party payment includes the merchant-point-side medium 185 for sending / outputting the designated medium identification information recognizable through the application of the user wireless terminal 190 When a user operates an app of the user wireless terminal 190 after purchasing a product (or service) sold at the merchant, the app of the wireless terminal 190 performs a specified media recognition procedure (for example, Bluetooth signal recognition , At least one of NFC, sound wave signal recognition, and code image recognition) from the merchant-side medium 185 provided in the merchant.

According to an embodiment of the present invention, the merchant-side medium 185 includes a Bluetooth medium 185 for transmitting a Bluetooth signal including the medium identification information, an NFC medium 185 having the medium identification information, ), A sound wave (185) for transmitting the sound wave signal encoding the medium identification information, and an image medium (185) having a code image obtained by encoding the medium identification information .

According to an embodiment of the present invention, the app of the user wireless terminal 190 is connected to the merchant-side medium 185 through at least one of bluetooth signal, NFC, sound wave signal, and code image recognition corresponding to the merchant- And transmits the recognized medium identification information and the identified magnetic identification information to the designated operating server 100. The control unit 100 transmits the identified medium identification information to the designated operating server 100, The payment procedure unit 120 receives the medium identification information and the self identification information from the app of the user wireless terminal 190. The original payment processing unit 120 confirms the merchant information of the merchant having the merchant-side medium 185 corresponding to the medium identification information based on the information registered through the medium registration unit 110. [ Meanwhile, the merchant terminal 180 transmits a payment amount to be processed through an app of the user wireless terminal 190 before, during, or after the medium identification information is recognized through the app of the user wireless terminal 190, And the original payment procedure unit 120 may receive the payment amount from the merchant terminal 180. [ The original payment processing unit 120 transmits merchandise information having the merchant-side medium 185 corresponding to the medium identification information to the merchant terminal 180 as an app of the user wireless terminal 190 corresponding to the self- Lt; / RTI &gt; Meanwhile, according to the embodiment, the payment amount may be transmitted / outputted through the merchant-side medium 185 and recognized as an app of the user wireless terminal 190.

The application of the user wireless terminal 190 registers or manages the user payment means in the security medium on the designated payment system 195 or registers or manages the user payment means in the specified security area of the wireless terminal 190, The payment method information of the user can be inputted at the time point and payment processing can be performed. When the merchant information and the payment amount are received from the operation server 100, the app of the user wireless terminal 190 extracts / inputs the user's payment means through the designated payment system 195, It is possible to perform a payment procedure for processing the payment amount to be paid to the corresponding merchant. For example, when the user payment means is registered in the security medium on the designated payment system 195, the application of the user wireless terminal 190 may include an identifier for extracting the user payment means registered in the security medium on the payment system 195, The settlement request information including the money amount and the merchant information is transmitted to the settlement system 195 or the settlement request is transmitted to the settlement system 195 via the operation server 100 (= original settlement processing unit 120) The payment system 195 receives the payment request information, extracts the user payment means registered in the security medium designated through the identifier, and transmits the settlement amount to the merchant corresponding to the merchant information The result information including the payment result of the payment approval procedure may be configured and transmitted to the app of the user wireless terminal 190 Or to be transferred to the application of the user wireless terminal 190 via the operating server 100 (= original payment processing unit 120). Alternatively, the application of the user wireless terminal 190 extracts user payment means stored in the designated security area of the wireless terminal 190 or receives the input from the user, and stores the payment means information of the extracted / input user, May be transmitted to the settlement system 195 or may be transmitted to the settlement system 195 via the operation server 100 (= original settlement procedure 120) The settlement system 195 may receive the settlement request information and perform a settlement approval procedure to settle the settlement amount to the merchant corresponding to the merchant information through the settlement means information. The result information including the result is transmitted to the app of the user wireless terminal 190 or transmitted to the application server 100 (= original payment procedure unit 120) To the application of the user wireless terminal (190). Meanwhile, the original payment confirmation unit 125 may receive payment result information from the app (or the original payment procedure unit 120) of the user wireless terminal 190, and may store and manage the result information.

In the case of the third original payment application, the application of the user wireless terminal 190 that has processed the original payment stores the result information about the payment case normally processed by the payment system 195 in the specified storage area And / or share / register with the operation server 100. [ Meanwhile, the application of the user wireless terminal 190 displays an interface for selecting one of the original payment items to be requested for the posterior payment among the normally processed payment items (if the latest payment is automatically selected) An interface may be displayed requesting a post-settlement payment for the original payment. When the payment of the selected payment is requested using the interface, the app of the user wireless terminal 190 transmits payment identification information (e.g., identification information) to the operation server 100, And / or information for identifying the payment method issuer information, the payment means information, the merchant information, the payment approval information, and the payment approval information for the selected original payment item) Settlement date information, and settlement amount information, and transmits the original payment information to the operation server 100, thereby requesting settlement of a post-settlement settlement for the selected settlement case.

When the original payment information is transmitted from the application of the user wireless terminal 190, the original payment confirmation unit 125 receives the original payment information from the application of the wireless terminal 190, Or inquire through the designated server to confirm the original payment request requested by the user's wireless terminal 190 through the app of the user's wireless terminal 190. [

According to the fourth original payment method of the present invention, the merchant terminal 180 provided in the merchant that can use the post-payment for each user can send / output the merchant identification information recognizable through the app of the user wireless terminal 190 When a user operates an app of the user wireless terminal 190 after purchasing a product (or service) sold at the merchant, the app of the wireless terminal 190 performs a predetermined recognition process (for example, Bluetooth signal recognition, NFC, Sound wave signal recognition, and code image recognition) from the merchant terminal 180, as shown in FIG.

According to the embodiment of the present invention, the app of the user wireless terminal 190 recognizes the merchant identification information transmitted / output from the merchant terminal 180, identifies the self identification information for identifying the merchant, The original payment processing unit 120 receives the merchant identification information and the identified self identification information from the application of the user wireless terminal 190 do. The original payment processing unit 120 confirms the merchant information of the merchant corresponding to the merchant identification information based on the information registered through the merchant registering unit 105. [ Meanwhile, the merchant terminal 180 transmits a payment amount to be processed through an app of the user wireless terminal 190 before, during, or after the merchant identification information is recognized through the app of the user wireless terminal 190, And the original payment procedure unit 120 may receive the payment amount from the merchant terminal 180. [ The original payment processing unit 120 provides the merchant information corresponding to the merchant identification information and the payment amount received from the merchant terminal 180 to an app of the user wireless terminal 190 corresponding to the self identification information. Meanwhile, the payment amount may be transmitted / outputted through the merchant terminal 180 and recognized as an app of the user wireless terminal 190 according to the method.

The application of the user wireless terminal 190 registers or manages the user payment means in the security medium on the designated payment system 195 or registers or manages the user payment means in the specified security area of the wireless terminal 190, The payment method information of the user can be inputted at the time point and payment processing can be performed. When the merchant information and the payment amount are received from the operation server 100, the app of the user wireless terminal 190 extracts / inputs the user's payment means through the designated payment system 195, It is possible to perform a payment procedure for processing the payment amount to be paid to the corresponding merchant. For example, when the user payment means is registered in the security medium on the designated payment system 195, the application of the user wireless terminal 190 may include an identifier for extracting the user payment means registered in the security medium on the payment system 195, The settlement request information including the money amount and the merchant information is transmitted to the settlement system 195 or the settlement request is transmitted to the settlement system 195 via the operation server 100 (= original settlement processing unit 120) The payment system 195 receives the payment request information, extracts the user payment means registered in the security medium designated through the identifier, and transmits the settlement amount to the merchant corresponding to the merchant information The result information including the payment result of the payment approval procedure may be configured and transmitted to the app of the user wireless terminal 190 Or to be transferred to the application of the user wireless terminal 190 via the operating server 100 (= original payment processing unit 120). Alternatively, the application of the user wireless terminal 190 extracts user payment means stored in the designated security area of the wireless terminal 190 or receives the input from the user, and stores the payment means information of the extracted / inputted user, the payment amount and the merchant information May be transmitted to the settlement system 195 or may be transmitted to the settlement system 195 via the operation server 100 (= original settlement procedure unit 120) The payment system 195 may receive the payment request information and may perform a payment approval procedure to settle the payment amount to an affiliated store corresponding to the merchant information through the payment means information, And transmits the generated result information to an app of the user wireless terminal 190 or transmits the result information to the application server 100 (= original payment procedure unit 120) To be delivered to the user's wireless terminal 190's app.

Meanwhile, the original payment confirmation unit 125 may receive payment result information from the app (or the original payment procedure unit 120) of the user wireless terminal 190, and may store and manage the result information.

In the case of the fourth original payment, the application of the user wireless terminal 190 that has processed the original payment stores the result information about the payment case normally processed by the payment system 195 in the designated storage area And / or share / register with the operation server 100. [ Meanwhile, the application of the user wireless terminal 190 displays an interface for selecting one of the original payment items to be requested for the posterior payment among the normally processed payment items (if the latest payment is automatically selected) An interface may be displayed requesting a post-settlement payment for the original payment. When the payment of the selected payment is requested using the interface, the app of the user wireless terminal 190 transmits payment identification information (e.g., identification information) to the operation server 100, And / or information for identifying the payment method issuer information, the payment means information, the merchant information, the payment approval information, and the payment approval information for the selected original payment item) Settlement date information, and settlement amount information, and transmits the original payment information to the operation server 100, thereby requesting settlement of a post-settlement settlement for the selected settlement case.

When the original payment information is transmitted from the application of the user wireless terminal 190, the original payment confirmation unit 125 receives the original payment information from the application of the wireless terminal 190, Or inquire through the designated server to confirm the original payment request requested by the user's wireless terminal 190 through the app of the user's wireless terminal 190. [

According to the fifth original payment method of the present invention, the original payment using the payment means of the user may be implemented in a form of at least partially combining at least two embodiments among the first to fourth original payment embodiments It is clear that the present invention includes various embodiments in which the above embodiments are combined as a scope of right.

The original payment confirming unit 125 is a payment settlement unit that has been normally processed and paid through an arbitrary user's payment means in an arbitrary merchant associated with the operating server 100 (for example, a merchant registered through the merchant registering unit 105) (For example, a payment transaction that has undergone a normal payment process through at least one of the first to fifth original payment applications) through the application of the user wireless terminal 190, (For example, a settlement case in which a post-settlement payment is requested through an app of the user wireless terminal 190 after a normal payment process is performed through at least one of the first to fifth original payment embodiments) . Preferably, the original settlement confirmation unit 125 receives the information necessary for performing the after-party self settlement procedure of the original settlement request (for example, the information on the payment means issuer of the original payment case, the payment means information, the merchant information, Date information, and payment amount information).

Referring to FIG. 1, the operation server 100 includes a self settlement authentication unit 130 for authenticating whether a self-settlement process is possible for the original settlement request requested for the self settlement, (N-1) pieces of target identification information for identifying at least (N-1) individual payment targets input (or selected) through the app of the user wireless terminal 190 when each payment processing is possible (N-1) pieces of subject wireless terminal (190) corresponding to the (N-1) pieces of subject identification information and an app of the user wireless terminal (190) (N-1) pieces of object identification information confirmed through the object identification unit 135 are read out from the object identification information unit 145, (N-1) pieces of person wireless terminals 190 are installed, and if the application is installed Induces a person app be installed on the wireless terminal 190, that is, or further comprising the destination authentication unit 140 to process such that the 'N' is adjusted.

When the original payment is requested through the application of the user wireless terminal 190 through the original payment confirmation unit 125, the payment authentication unit 130 transmits an application of the user wireless terminal 190 A process of authenticating whether a payment process of each settlement request is possible according to the procedure of the present invention is performed.

The posterior self payment process of the present invention includes a process of canceling approval of the original payment after the N individual payment processes by the N individual payment objects designated by the user. Accordingly, if the operation server 100 can cancel the authorization by canceling approval of the original settlement, the settlement authentication unit 130 can perform the post-settlement settlement for the original settlement, A procedure can be performed to verify whether the requested original payment can be canceled.

According to the first self-payment authentication method of the present invention, the self-payment authentication unit 130 reads the payment method issuer information and the payment method information of the original payment request requested by the self payment, Can be authenticated as a payment means of a payment means issuer capable of canceling an approval by requesting an approval cancellation from the operation server 100. [ For example, the merchant of the originating payment can cancel the original payment at any time within the date on which the authorization cancellation is possible. On the other hand, in order to cancel the approval of the payment transaction that has been normally processed at the specific merchant in the operation server 100 other than the original payment merchant, it may be necessary to cooperate with the payment means issuer and / or the merchant for canceling the approval transaction, The settlement authentication unit 130 reads the settlement unit issuer information and the settlement unit information, and when the settlement unit used in the original settlement is the settlement unit issued by the settlement unit issuer in which the affiliation with the approval canceling service is established, It is possible to certify that the post-settlement settlement processing for each original payment request requested for payment is possible.

According to the second self-settlement authentication method of the present invention, after the post-settlement self-settlement is requested for the specific original settlement, a predetermined self settlement is made until each of the N individual settlement is individually approved in the respective settlement requests The respective settlement authentication unit 130 counts the waiting time, and the self settlement authentication unit 130 waits for the self settlement completion specified for the posterior individual settlement of the original settlement request at the time point (For example, seven days after payment approval) of the original payment request based on the payment date and time information of the original payment request, and then the calculated self payment completion date and time It can be confirmed whether or not the date and time is within the allowable cancellation date of the confirmed original payment case. In other words, if the self-payment completion date and time when the self-payment completion wait time is applied is within the authorization cancellation day, the original payment can be canceled after N settlement payment, If the self-payment completion date and time added to the self-payment completion waiting time specified at the time of requesting the respective self-payment are within the authorization cancelable date of the original payment request, the post-payment payment processing It is possible to authenticate as possible.

According to the third self-payment authentication method of the present invention, the self-payment authentication unit 130 reads out the merchant information of the original payment request requested by the self payment and notifies the merchant of the original payment to the approval server It is possible to certify that the merchant is able to request and cancel the authorization. For example, the merchant of the originating payment can cancel the original payment at any time within the date on which the authorization cancellation is possible. On the other hand, in order to cancel the approval of the settlement case that has been normally processed at the specific merchant in the operation server 100 other than the original merchant of the original settlement, it may be necessary to cooperate with the merchant for the approval canceling service, The franchisee information may be read so that the franchisee of the original payment can authenticate that the after-party payment process for the original payment is requested when the franchisee is affiliated with the approval canceling business-related affiliation.

According to the fourth self-payment authentication embodiment of the present invention, the self-payment authentication unit 130 may at least partially combine at least two of the first to third self-payment authentication embodiments, The present invention is not limited to this.

The target confirmation unit 135 may input (or select) the application through the application of the user wireless terminal 190, if it is authenticated that the after-payment processing of the original payment request is possible through the self payment authentication unit 130. [ (N-1) pieces of object identification information that identifies at least (N-1) individual payment objects that have been received.

The application of the user wireless terminal 190 is an interface for inputting object identification information for identifying a settlement object at a specified time before, during, or after requesting a settlement of each settlement request to the operation server 100 . The app of the user wireless terminal 190 can input N pieces of object identification information (or select from the address book / contact / acquaintance list or the like) identifying N settlement targets including the user himself or herself through the interface, It is possible to input (or select) (N-1) pieces of object identification information that identify at least (N-1) individual payment objects, excluding the person himself / herself being set.

According to the embodiment of the present invention, the target identification information is information for identifying each settlement object inputted through the application of the user wireless terminal 190, the contact list of the user wireless terminal 190, Identification information of the user wireless terminal 190, and identification information of each payment object requested by the application of the user wireless terminal 190 using wireless communication. Preferably, the object identification information includes at least one of a telephone number of the wireless terminal 190 corresponding to the object of settlement, account information of the object corresponding to each settlement object (for example, ID information registered while joining the operation server 100, Mail address (for example, it can be shared through an e-mail address, a contact list, or an acquaintance list registered while registering with the operation server 100) corresponding to the object of settlement, a wireless communication A unique code assigned to the target wireless terminal 190 received from the wireless terminal 190 corresponding to the object of settlement and received by the application of the user wireless terminal 190, And the token code of the subject wireless terminal 190 that is separately allocated and received by the app of the user wireless terminal 190 using wireless communication.

The application of the user wireless terminal 190 may send at least (N) input (or selected) via the interface to the operating server 100 at a designated time before, during, or after the request for the post- -1) pieces of object identification information to the operation server 100, and may transmit N pieces of object identification information including the user's identity to the operation server 100 according to the method. The object identifying unit 135 may receive at least (N-1) pieces of object identification information input (or selected) through the app of the user wireless terminal 190, and may include N It is possible to receive the object identification information.

When at least (N-1) pieces of object identification information are confirmed through the object identification unit 135, the object authentication unit 140 identifies (N-1) And confirms whether or not the designated application is installed in the (N-1) number of subject wireless terminals 190. If at least one of the (N-1) target mobile wireless terminals 190 has not been installed, the target authentication unit 140 determines whether the target wireless mobile station 190 The user can either install the app through the terminal 190 or omit the target wireless terminal 190 that has not installed the app in the app of the user wireless terminal 190, &Quot; N &quot;

At least (N-1) pieces of object identification information corresponding to each settlement object are confirmed through the object identification unit 135 and / or at least (N-1) pieces of object identification information (N-1) pieces of object identification information corresponding to the (N-1) pieces of object identification information corresponding to the application ID of the user wireless terminal 190, And confirms N pieces of money amount information to be processed by each of the N pieces of wireless terminals 190 including the application of the subject wireless terminal 190. [

According to the first amount information embodiment of the present invention, the amount information confirmation unit 145 confirms the approved payment amount of the original payment request requested by the post-payment individual, and divides the approved payment amount into 'N' So that N pieces of money amount information can be confirmed. The N pieces of money amount information may be calculated through an app of the user wireless terminal 190 and shared with the operation server 100 or may be calculated through the money information confirmation unit 145. [ Meanwhile, the amount information confirmation unit 145 may provide the N pieces of amount information as the apps of the user wireless terminal 190 and (N-1) each of the target wireless terminals 190, The application of the user wireless terminal 190 may modify at least one of the N pieces of money amount information and transmit it to the operation server 100. [ The amount information confirmation unit 145 provides the amount information modified through the app of the user wireless terminal 190 as an app of the (N-1) target wireless terminals 190, It is possible to synchronize the N pieces of money amount information displayed in the app of.

According to the second amount information embodiment of the present invention, the amount information confirmation unit 145 may include N pieces of money input through the app of the user wireless terminal 190, It is possible to confirm N pieces of money amount information corresponding to the approved payment amount of the original payment request which is requested to be paid by the respective individual. The N pieces of money amount information may be calculated through an app of the user wireless terminal 190 and shared with the operation server 100 or may be calculated through the money information confirmation unit 145. [ Meanwhile, the amount information confirmation unit 145 may provide the N pieces of amount information as the apps of the user wireless terminal 190 and (N-1) each of the target wireless terminals 190, The application of the user wireless terminal 190 may modify at least one of the N pieces of money amount information and transmit it to the operation server 100. [ The amount information confirmation unit 145 provides the amount information modified through the app of the user wireless terminal 190 as an app of the (N-1) target wireless terminals 190, It is possible to synchronize the N pieces of money amount information displayed in the app of.

According to the third amount information embodiment of the present invention, the amount information confirming unit 145 may include N pieces of money obtained by dividing the approved payment amount of the original payment request requested by the after-party self payment into 'N' The sum of N amounts including at least n (1? N? N) amounts modified through the application of the terminal 190 is N The amount of money information can be confirmed. The N pieces of money amount information may be calculated through an app of the user wireless terminal 190 and shared with the operation server 100 or may be calculated through the money information confirmation unit 145. [ Meanwhile, the amount information confirmation unit 145 may provide the N pieces of amount information as the apps of the user wireless terminal 190 and (N-1) each of the target wireless terminals 190, The application of the user wireless terminal 190 may modify at least one of the N pieces of money amount information and transmit it to the operation server 100. [ The amount information confirmation unit 145 provides the amount information modified through the app of the user wireless terminal 190 as an app of the (N-1) target wireless terminals 190, It is possible to synchronize the N pieces of money amount information displayed in the app of.

Referring to FIG. 1, the operation server 100 includes a self settlement procedure unit 150 for requesting settlement of each of the N pieces of confirmed N pieces of money information to each of the N wireless terminals 190, A self settlement confirmation unit 155 for confirming that all of the N individual settlements are individually approved within a specified settlement completion waiting time, and a settlement confirmation unit 155 for confirming whether each of the N individual settlements is approved individually, The original settlement cancellation unit 160 performs a procedure of canceling approval of the original payment case. When the original payment is canceled, (Not shown).

When each of N pieces of settlement objects and N pieces of money amount information to be processed after the user's original settlement of the post-settlement settlement are confirmed, the respective settlement procedure unit 150 intervenes through the apps of the N wireless terminals 190 A process of processing N settlement of settlement for each of the N pieces of money amount information is performed for the merchant of original payment. Preferably, the self-settlement processing unit 150 may process the N settlements in synchronization with each other through the apps of the N wireless terminals 190 including the user wireless terminal 190 requesting the self settlement .

According to the embodiment of the present invention, the self-settlement processing unit 150 provides the merchant information of the original payment to N (at least (N-1) (At least (N-1)) of the wireless terminals 190 to perform their respective settlement procedures for processing the respective settlement of their own amount information through respective payment means using the merchant information can do. Meanwhile, according to the embodiment of the present invention, the process of providing the merchant information may be omitted from the user wireless terminal 190 of the N wireless terminals 190. In this case, It is possible to provide the merchant information to the apps of (N-1) target mobile terminals 190. The apps of the N wireless terminals 190 perform their payment procedures using the user payment means available at each wireless terminal 190 and the merchant information and amount information. Meanwhile, the self-settlement processing unit 150 starts counting the self-payment completion waiting time for waiting for each of the N respective settlements to be approved through the apps of the N wireless terminals 190. On the other hand, according to the method, the self-payment completion waiting time can be started by the self-payment confirmation unit 155.

The apps of each of the N wireless terminals 190 may register or manage the user payment means in the secure medium on the designated payment system 195 or may register the user payment means in the designated security area of the wireless terminal 190, At the time of payment, the payment method information of the user can be inputted and payment can be processed. When the merchant information and the money amount information are received (or confirmed) from the operating server 100 by the application of the wireless terminal 190, the application of the wireless terminal 190 transmits The payment means may be extracted / input and a payment procedure may be performed to process the payment amount corresponding to the amount information to an affiliated shop corresponding to the merchant information. For example, when the user payment means is registered in the secure medium on the designated payment system 195, the application of the wireless terminal 190 may include an identifier for extracting the user payment means registered in the secure medium on the payment system 195, The settlement request information including the money amount and the merchant information is transmitted to the settlement system 195 or is transmitted to the settlement system 195 via the operation server 100 (= each settlement procedure unit 150) The payment system 195 receives the payment request information, extracts the user payment means registered in the security medium designated through the identifier, and processes the payment amount for each payment to the merchant corresponding to the merchant information And transmits result information including the payment result of the payment approval procedure to the app of the wireless terminal 190 Or the production server 100 (= self-checkout process portion 150) can be processed by way of the transmission to be in Application of the radio terminal 190. The Alternatively, the application of the wireless terminal 190 extracts user payment means stored in the designated security area of the wireless terminal 190 or receives input from the user, and stores the payment means information of the extracted / input user, May be transmitted to the settlement system 195 or may be transmitted to the settlement system 195 via the operation server 100 (= each settlement procedure unit 150) The settlement system 195 may receive the settlement request information and may perform a settlement approval procedure to settle the settlement amount with the merchant corresponding to the merchant information through the settlement means information. And transmits result information including the payment result to the app of the mobile terminal 190 or via the operating server 100 (= payment processing unit 150) It may be treated to be passed to the app based wireless terminal 190. The Meanwhile, the self payment confirmation unit 155 can receive and manage payment result information received from the apps (or the payment procedure unit 150) of each of the N wireless terminals 190. [

According to one embodiment of the present invention, the self settlement processing unit 150 may be an application of (N-1) target wireless terminals 190 excluding the user wireless terminal 190, (N-1) self-payment processes through the (N-1) respective mobile terminal 190's apps by providing each of the (N-1) , And the individual payment confirmation unit 155 can confirm whether all (N-1) individual payments are individually approved. If each of the (N-1) individual settlements is individually approved, the payment processing unit confirms the amount information of the user corresponding to the original payment among the N pieces of the amount information, It is possible to automatically process each payment for the amount information of the user by referring to the original payment information (for example, payment means issuer information, payment means information, merchant information, etc.) Lt; / RTI &gt;

Meanwhile, each of the wireless terminals 190 that have processed the settlement provides the settlement result information to the operation server 100. In this case, the settlement confirmation unit 155 may transmit the settlement result information to each wireless terminal 190 The result information of each payment can be received from the app. Alternatively, the self-settlement confirmation unit 155 can check the result information of each settlement in cooperation with the self-settlement procedure unit 150. [ The self payment confirmation unit 155 reads out the confirmed result information received from the app of each wireless terminal 190 or interworked with the self payment procedure unit 150 to intervene the apps of the N wireless terminals 190 To confirm that each of the N individual settlements performed in accordance with the present invention is individually approved.

According to an embodiment of the present invention, the self-payment confirmation unit 155 counts the respective self-payment completion waiting times for the N self-payments, and the N self-payments are individually You can check if it is approved.

If all of the N individual settlements are not approved individually (e.g., at least one of the N individual settlements is unapproved, the approval is canceled, Or payment completion information is transmitted to the mobile terminal 190 through the application of the wireless terminal 190 again, it is regarded as an approval status. If the payment is approved, The payment confirmation unit 155 may extend the waiting time for completing the self payment (for example, when the approval is canceled through the application of the wireless terminal 190) 190) to confirm further that each of the N individual payments is individually approved, and / or to confirm that all of the N individual payments have been approved individually and / By any of the procedures which the clear (e.g., de-authorize a user through the app wireless terminal 190) it may be treated such that each payment is pending. If the settlement of each of the N individual accounts is unsuccessful, the original payment of the user is not canceled and remains unchanged.

On the other hand, when all of the N individual settlements are approved, the original settlement cancellation unit 160 performs a procedure of canceling approval of the original settlement that is a source of the N individual settlements. Preferably, the original payment canceling unit 160 may request authorization canceling to the designated payment system 195 by using the original payment information of the original payment request, and cancel authorization. On the other hand, the original payment canceling unit 160 may request approval of the original payment from the merchant terminal 180 of the original payment request and cancel the approval.

When the approval of the original payment request is canceled through the original payment canceling unit 160, the payment substitution unit 165 replaces the disapproved original payment item using the approved N individual payment. According to the method of the present invention, the payment substitution unit 165 may receive original payment cancellation information (for example, payment means issuer information for unauthorized original payment, payment means information, Payment cancellation information including at least one of information, approval cancellation information, cancellation date information, and approval cancellation amount information) and the N pieces of approved payment information (for example, payment instrument issuer information for each settlement, Payment information including at least one of information, merchant information, settlement approval information, settlement date information, and settlement amount information) can be stored in association with each other.

On the other hand, if it is possible to communicate with the merchant terminal 180 of the original payment agent at the time of withdrawal of the original payment request, the payment substitution unit 165 transmits the original payment cancellation information on the canceled original payment article to the merchant terminal 180 In this case, the merchant terminal 180 can receive the original payment cancellation information from the operation server 100 and output it. Alternatively, the payment substitution unit 165 may provide the N pieces of payment information to the merchant terminal 180, which collects the approved N respective payment items. In this case, It is possible to receive and output the N pieces of settlement information collected from the mobile terminal 100.

2 is a diagram illustrating an information registration process according to an embodiment of the present invention.

2 shows a process of registering the self-identification information and the user information through the app of the user wireless terminal 190 installed with the designated app and registering the merchant through the merchant terminal 180, Those skilled in the art will be able to refer to and / or modify the FIG. 2 to implement various embodiments of the information registration process (for example, some steps may be omitted or the order may be changed) However, the present invention is not limited to the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 2, the user wireless terminal 190 installs and operates a designated application (200), and the application running on the user wireless terminal (190) receives the identification information in the form of unique identification information (205) or confirms (205) the identification registration information necessary for identifying / authenticating the self identification information including the dynamic number in the designated operation server (100), and registers the self identification information in the designated operation server (210), the operation server (100) confirms (215) the self identification information for identifying the self by the app of the mobile terminal (190) installed the designated app, and stores the identified self identification information (220). Preferably, the self-identification information includes a telephone number of the user wireless terminal 190, a unique code assigned to the user wireless terminal 190, a non-redundantly allocated token code after the app is installed in the user wireless terminal 190 A dynamic number that is not duplicated in the user wireless terminal 190, and a dynamic number that is not duplicated through the designated server and is provided to the user wireless terminal 190.

Meanwhile, the application of the user wireless terminal 190 receives the user information 225 and requests registration to the designated operation server 100 (230). The operation server 100 receives the request from the application of the wireless terminal 190 The user information requested to be registered is received (235), and the user information and the self-identification information are linked and stored (240).

Meanwhile, the merchant terminal 180 of the merchant shop requests registration of the merchant store registration information including the information input through the merchant terminal 180 and / or the information stored in the designated storage area to the designated operating server 100 The operating server 100 receives the merchant registration information from the merchant terminal 180 and stores the received merchant registration information in step 250. The merchant registration information is registered in the merchant terminal 180 to register the merchant information for payment of the corresponding merchant (Not shown) from the management server (not shown) using the merchant registration information, and receives the merchandise information from the merchant terminal 180 via a separate channel (255), and associates the merchant information with the merchant registration information (260).

On the other hand, when the franchisee-side medium 185 is provided at the franchisee, the franchisee terminal 180 requests the specified operating server 100 to register the medium identification information of the franchisee-side medium 185 provided at the franchisee The operation server 100 receives the medium identification information for the medium 185 of the franchise point of the franchisee, and stores the franchise point information and the medium identification information in association with each other.

FIG. 3 is a diagram illustrating an example of a reverse identification process for original payment according to an embodiment of the present invention.

More specifically, FIG. 3 identifies the medium identification information transmitted / outputted from the merchant-point-side medium 185 provided at the merchant in the app of the user wireless terminal 190 to process the original payment and transmits it to the operation server 100 The operation server 100 identifies / authenticates the medium identification information and identifies a franchisee having the franchise point side medium 185. As a person skilled in the art to which the present invention pertains, Referring to and / or modified with reference to FIG. 3, it will be appreciated that various implementations of the franchisee identification process may be inferred (e.g., some of the steps may be omitted or the sequence changed) And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 3, a merchant-side medium 185 provided at an affiliated store identifies (300) (may be omitted) medium identification information that uniquely identifies a merchant having the corresponding media 185. The merchant point-side medium 185 transmits / outputs the medium identification information for identifying the merchant having the corresponding medium 185 (305). Meanwhile, according to the embodiment, the merchant-side medium 185 can further transmit / output a payment amount for requesting payment in addition to the medium identification information, and thus the present invention is not limited thereto. On the other hand, according to another embodiment, the franchise terminal 180 having the franchise point-side medium 185 at a specified point in time before and after the franchise point-side medium 185 transmits / outputs the medium identification information, The payment amount to be requested for payment can be transmitted to the application of the user wireless terminal 190 that recognizes the identification information, and thus the present invention is not limited thereto.

Meanwhile, the app of the user wireless terminal 190 recognizes (310) media identification information transmitted / outputted from the merchant-side medium 185, and stores the medium identification information recognized from the merchant- The operation server 100 transmits the identification information of the user terminal 190 to the designated operation server 100 and the operation server 100 receives the medium identification information and the identification information from the user wireless terminal 190, .

The operation server 100 identifies the application of the user wireless terminal 190 corresponding to the self identification information 325 and stores the merchant information of the merchant having the merchant point side medium 185 corresponding to the medium identification information (330).

4 is a diagram illustrating an example of a forward identification process for original payment according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates the case where the unique identification information of the user wireless terminal 190 is obtained from the merchant terminal 180 and transmitted to the operating server 100 together with the merchant identification information, The user of the corresponding user wireless terminal 190 and the franchisee corresponding to the franchisee identification information are identified. As a person skilled in the art, The present invention is not limited to the above-described embodiments, and various modifications may be made without departing from the spirit and scope of the present invention. For example, The technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 4, the app of the user wireless terminal 190 transmits / outputs unique identification information designated for identifying an affiliate shop (400). The merchant terminal acquires the unique identification information transmitted / outputted from the user wireless terminal 190 (405), and transmits the unique identification information acquired from the user wireless terminal 190 to the merchant terminal 180 410 to the operating server 100 and may transmit the payment amount to the operating server 100 in response to the request of the user wireless terminal 190 according to the method of operation 410.

Meanwhile, the operation server 100 receives the unique identification information and the merchant identification information from the merchant terminal 180 (step 415), and further receives the payment amount requested by the merchant terminal 180 according to the method (415). The operation server 100 identifies an application of the user wireless terminal 190 corresponding to the unique identification information 420 and confirms the merchant corresponding to the merchant identification information at operation 420.

5 is a diagram illustrating a process of processing an original payment through an app of a user wireless terminal 190 according to an embodiment of the present invention.

5 illustrates a process of processing the original payment for the merchant identified through the process of FIG. 3 or FIG. 4 through the application of the user wireless terminal 190, and FIG. , It is possible to refer to and / or modify the FIG. 5 to infer the various methods for the original payment processing (for example, omitting some steps or changing the order) However, the present invention is not limited to the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 5, the operation server 100 checks (500) the application of the user wireless terminal (190) and the original payment target merchant information identified in the process of FIG. 3 or FIG. 4, And transmits the merchant information and the payment amount to the application of 505 to request payment processing.

The application of the user wireless terminal 190 receives the merchant information and the payment amount for the original payment processing from the operation server 100 in step 510 and transmits the payment to the user designated by the payment system 195, (Step 515). The payment system 195 receives a payment request through an application of the wireless terminal 190 via a designated path (step 520) After completing a payment approval procedure for processing payment of a payment request (step 525), information on the result of the payment approval procedure is generated and transmitted through a designated path (e.g., a reverse path of the path in which the payment request is received) ), The app of the wireless terminal 190 receives and outputs the result information of the original payment through the designated path (535), stores it in a designated storage area and manages it (535).

Meanwhile, the application of the wireless terminal 190 provides the result information of the settlement to the operation server 100 in operation 540, and the operation server 100 individually processes The result information of the original payment is confirmed (545), and the result information of the original payment is stored and managed (550).

FIG. 6 is a diagram illustrating a process for requesting a post-settlement settlement of a normal settlement process according to an embodiment of the present invention.

6, at least (N-1) individual payment targets are designated through the application of the user wireless terminal 190 for the original payment which has been normally processed using the payment means of the user, 6, it is possible to refer to and / or modify the FIG. 6 so that various methods of performing the posterior self payment request process (for example, some steps The present invention is not limited to the above-described embodiments, but may be practiced otherwise than as specifically described herein.

Referring to FIG. 6, an application of the user wireless terminal 190 receives a request for a posterior individual payment through an app of the user wireless terminal 190 among payment items normally processed by a user using a payment means at an arbitrary merchant The operation server 100 determines the settlement case 600 and requests the designated operation server 100 for the settlement of the settlement request according to the settlement request 605. The operation server 100 transmits the settlement request to the user wireless terminal 190 (610) a settlement request for each of the original settlement requests processed through the user's payment means.

The operation server 100 authenticates the validity of the post-settlement settlement request according to the present invention with respect to the original settlement request requested through the application of the user wireless terminal 190 (615). Preferably, the operation server 100 can authenticate whether or not the approval cancellation is possible at the time point designated for the original payment. If it is not possible to settle the post-settlement request for each payment request, the operation server 100 transmits a settlement error to the application of the user wireless terminal 190 (620) The app of the user terminal 190 receives and outputs the self settlement error (625).

On the other hand, if it is possible to settle the postponed payment of each original payment request, the operation server 100 identifies each payment object to be processed by the user wireless terminal 190 in an after- (630). &Lt; / RTI &gt; Meanwhile, the application of the user wireless terminal 190 may transmit (N-1) pieces of identification information that identify at least (N-1) individual payment objects to be requested by the user at a point in time before or after the post- (640), and inputs (or selects) at least (N-1) pieces of object identification information for requesting payment through the interface (640). If at least (N-1) pieces of object identification information are inputted (or selected) through the interface, the app of the user wireless terminal 190 is inputted to the operation server 100 to request the post- At least (N-1) pieces of object identification information are transmitted (645), and the operation server 100 transmits at least (N-1) pieces of object identification information inputted (or selected) through the app of the user wireless terminal 190 Information is received (650).

On the other hand, the operation server 100 determines whether each of the (N-1) pieces of mobile terminal 190 can process settlement through the application of the (N-1) ) Wireless terminals 190 have been installed) (step 655). If the effectiveness of the payment processing through the application of the (N-1) wireless terminals 190 is not authenticated, the operation server 100 transmits at least a part of the object identification information to the application of the user wireless terminal 190 (660), or to install at least one of the (N-1) wireless terminals (190) to which at least one wireless terminal (190) has not been installed. Meanwhile, the operation server 100 transmits a settlement error to the application of the user wireless terminal 190 (620), and the application of the user wireless terminal 190 receives the payment error (625). On the other hand, the app of the user wireless terminal 190 receives the modification request of the object identification information from the operation server 100 (665), modifies at least one object identification information based on the modification request, Object identification information to the operation server 100 (645).

Meanwhile, when the validity of each payment processing through the apps of the (N-1) wireless terminals 190 is authenticated, the operation server 100 inputs (or selects) the (N-1) (N-1) wireless terminals 190 corresponding to the (N-1) pieces of object identification information through the application of a total of N wireless terminals 190 N pieces of money amount information are confirmed (670). If N valid amount information is not confirmed, the operating server 100 requests (675) input (or modify) N amount information to the app of the user wireless terminal 190, and the user wireless terminal 190 ) Inputs N pieces of money amount information to be paid through each of the N wireless terminals 190 (680) or corrects at least one piece of money amount information among the N pieces of money amount information (680), and the input / And transmits the N pieces of money amount information to the operation server 100 in operation 670. The operation server 100 confirms N pieces of money amount information to be paid through the apps of the N pieces of wireless terminals 190 in operation 670, .

Meanwhile, when the N pieces of money amount information to be paid through each of the N wireless terminals 190 is confirmed, the operation server 100 transmits at least (N) pieces of information input (or selected) through the app of the user wireless terminal 190, (N-1) wireless terminals 190 corresponding to the (N-1) pieces of object identification information and the user wireless terminal 190 to the N wireless terminals 190 Confirms the merchant information of the original payment, and confirms N pieces of money amount information for each of the N wireless terminals 190 to which the N wireless terminals 190 request payment by the N wireless terminals 190 (690).

FIG. 7 is a diagram illustrating a process of processing a posterior self settlement according to an embodiment of the present invention.

7 is a diagram illustrating an example of a case where at least (N-1) individual settlement objects determined through an application of the user wireless terminal 190 and a payment target of the user wireless terminal 190 for the original payment transaction, The present invention is not limited to the above-described embodiments, but may be modified and changed without departing from the spirit and scope of the present invention. (For example, a method in which some steps are omitted or a procedure is changed), the present invention includes all of the above-mentioned methods of inferring , The technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 7, the operation server 100 transmits N pieces of money amount information and merchant point information of original payment, which are confirmed through the process of FIG. 6, to the apps of N wireless terminals 190 through the process of FIG. (700), and starts counting the self-payment completion waiting time for each of the N individual settlements (705).

On the other hand, the apps of the N wireless terminals 190 receive merchant information for posterior individual payment and amount information to be paid by each of the N wireless terminals 190 (710) 195), the payment system 195 requests approval of each payment using the payment means of the user designated by the user and the merchant information and the amount information (715) After receiving a payment request (720), a payment approval procedure for processing the settlement of the respective payment requests is performed (725), and the result information of the payment approval procedure is generated to receive a designated payment request (730), and the application of the wireless terminal (190) receives and outputs the result information of the self payment through the designated path (735).

Meanwhile, the application of the wireless terminal 190 provides the result information of the payment to the operation server 100 in operation 740, and the operation server 100 transmits the result of the payment to the operation server 100 through the application of each wireless terminal 190 individually Each of the processed result information is checked (745), and the respective result information is read to check whether each of the N individual payment requests requested through the application of the user wireless terminal (190) is individually approved through the process of FIG. (750).

If all of the N settlements are not approved, the operation server 100 determines whether the self settlement completion waiting time for each of the N settlement has elapsed (755). If all of the N individual settlements are not approved and the waiting time for completing the settlement has elapsed, the operation server 100 performs an approval cancel process of the approved payment items during the N settlement of the respective settlement (760) In this case, the original payment using the payment means of the user is maintained.

On the other hand, if all of the N settlements are individually approved, the operation server 100 performs a procedure of canceling approval of the original settlement for each of the approved N settlements (765). If the approval of the original payment request is canceled, the operation server 100 performs a procedure of substituting the unauthorized original payment using all of the approved N settlements (770) The N wireless terminals 190 provide a result of replacing the original payment using the N individual settlements with an application of the terminal 190 (775), and the N wireless terminals 190 replace the original payment And receives and outputs a result (780).

100: Operational server 105: Merchant registry
110: Media registration unit 115: Information registration unit
120: Original payment processing unit 124: Original payment confirmation unit
130: Each settlement authentication unit 135:
140: Target authentication unit 145: Amount information confirmation unit
150: Each settlement procedure section 155: Each settlement confirmation section
160: original payment canceling unit 165: payment replacing unit
180: Merchant terminal 185: Media
190: wireless terminal 195: payment system

Claims (20)

A method of executing via a server that communicates with N (N &gt; = 2) wireless terminals having a designated app installed,
A first step of confirming an original payment case requested by a user through an app installed in a user wireless terminal among payment items normally processed through an arbitrary user's payment means at an affiliated shop associated with the server;
A second step of authenticating whether the post-settlement settlement processing is possible for the original settlement request requested for the respective settlement;
(N-1) pieces of object identification information for identifying at least (N-1) individual payment objects input (or selected) through the app of the user wireless terminal when the after-party payment processing of the original payment request is possible (N-1) target wireless terminals corresponding to the (N-1) pieces of object identification information, and N pieces of money to be paid through each of the N wireless terminals A third step of confirming information;
A fourth step of requesting each of the N wireless terminals to pay for each of the N pieces of confirmed money amount information; And
And a fifth step of performing a procedure of canceling approval of the original payment for each of the approved N payment settlements if all of the N individual payments have been individually approved within the designated payment completion waiting time period .
The method according to claim 1,
Further comprising the step of registering and storing the self identification information that uniquely identifies the self from the app of the user wireless terminal having the designated app installed,
The method of claim 1, wherein the first step comprises checking an original payment request in response to a request for a subsequent self-payment in conjunction with an application of a wireless terminal matching the registered self-identification information.
The information processing apparatus according to claim 2,
The telephone number of the user wireless terminal,
A unique code assigned to the user wireless terminal,
A token code separately allocated after the app is installed in the user wireless terminal,
A dynamic number generated in the user wireless terminal not redundantly,
And a dynamic number generated by the designated server so as not to be duplicated and provided to the user wireless terminal.
The method according to claim 1,
And a settlement request for a subsequent settlement of each settlement through an app of the user wireless terminal among the settlement items recognized as a settlement means of the user at the merchant terminal of the merchant.
5. The method according to claim 4,
The payment information, the payment information, the merchant information, the settlement approval information, the settlement date information, and the settlement amount information for the original payment case from the app of the user wireless terminal, The method comprising the steps of: receiving original payment information; and receiving the original payment information.
The method according to claim 1,
The unique identification information acquired from the user wireless terminal and the merchant store identification information that uniquely identifies the merchant store in the merchant terminal provided in the arbitrary merchant store are transmitted to the server and the user wireless terminal corresponding to the unique identification information and the merchant store identification information And matching the matching merchant through the matching wireless terminal and then performing settlement processing of the matched merchant through the payment means of the user.
The method according to claim 1,
The user of the user wireless terminal transmits to the server the medium identification information recognized from the medium of the affiliated store provided at an arbitrary merchant store and the self identification information that identifies the self, and the merchant having the medium corresponding to the medium identification information, And a settlement item that matches the wireless terminal and then processes the settlement of the matching merchant through the payment means of the user through the application of the matched wireless terminal.
The method according to claim 7,
A Bluetooth medium for transmitting a Bluetooth signal including the medium identification information,
An NFC medium having the medium identification information and providing NFC (Near Field Communication)
A sound wave medium for transmitting the sound wave signal obtained by encoding the medium identification information,
And an image medium having a code image obtained by coding the medium identification information, wherein the medium includes at least one medium.
The method according to claim 7,
A separate medium provided to the merchant, or
Wherein the merchant terminal is included in the merchant terminal of the merchant.
8. The method according to claim 6 or 7,
And receiving original payment information including payment subject identification information for identifying an original payment request from the app of the user's wireless terminal for a subsequent payment for each payment.
2. The method according to claim 1,
And authenticating that the settlement means of the original settlement request requested by the posteriori self settlement is a settlement means of a payment means issuer capable of canceling the approval from the server.
2. The method according to claim 1,
Further comprising the step of authenticating whether or not the self-settlement completion date added with the self-payment completion wait time at the time of the request for the self-payment is within the approval cancellation date of the original payment request.
The information processing apparatus according to claim 1,
Identification information of each payment object inputted through the application of the user wireless terminal,
Identification information of each payment object selected through the application from the contact list of the user wireless terminal,
Wherein the payment information includes at least one of identification information of each settlement requesting payment by an app of a user wireless terminal using wireless communication.
14. The method according to claim 1 or 13,
A telephone number of a wireless terminal corresponding to each settlement object,
The account information of the target person corresponding to each settlement object,
The e-mail address of the person corresponding to each settlement object,
A unique code assigned to a subject wireless terminal received by an app of the user wireless terminal from a wireless terminal corresponding to each of the payment objects using wireless communication,
And the at least one token code allocated separately not to be duplicated after the application is installed in the subject wireless terminal.
The method according to claim 1,
When the (N-1) pieces of object identification information are identified,
Reading the identified (N-1) pieces of object identification information and confirming whether or not a designated application is installed in (N-1) target mobile terminals; And
And if the at least one target wireless terminal of the (N-1) target wireless terminals is not installed in the wireless terminal, the step of inducing installation of the app or adjusting the 'N' Payment Method.
The method according to claim 1,
N pieces of money, which is obtained by dividing the approved payment amount of the original payment request requested to be paid after the self-payment by 'N'
The N pieces of money including the N pieces of money input through the app of the user wireless terminal, the sum of the N pieces of money, the N pieces of money amounting to the approved payment amount of the original payment request,
(N is an integer equal to or larger than 1), and N pieces of moneys obtained by dividing the approved payment amount of the original payment request for the after-party payment by 'N' And N pieces of money amounting to the sum of the N pieces of money, the N pieces of money amounting to the amount of the approved payment amount of the original payment request requested by the after-party self-payment.
The method as claimed in claim 1,
The N pieces of merchant information of each of the N wireless terminals and the N pieces of the confirmed N pieces of money information are provided to each of N pieces of wireless terminals, The method comprising the steps of: requesting an autonomous posteriori self payment;
The method as claimed in claim 1,
(N-1) pieces of merchandise information and (N-1) pieces of money amount information each of which is an original payment request requesting an after-party payment by an app of (N-1) target wireless terminals excluding the user wireless terminal, Requests that (N-1) respective settlements involving apps of respective wireless terminals be processed,
And automatically processing the settlement for the amount information of the user among the N pieces of amount information by referring to the original payment case.
The method according to claim 1,
Further comprising a sixth step of replacing the originally canceled case using the N individual settlements approved when canceling the original payment case.
20. The method of claim 19,
And associating and storing the canceled original settlement cancellation information and the approved N pieces of settlement information.

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