KR20190016999A - System for dutch pay - Google Patents

Abstract

The present invention relates to a system for dutch treat. According to one aspect of the present invention, the system comprises: a user terminal requesting for execution of dutch treat; and a payment server receiving payment request information from at least one user terminal and authenticating payment in response to the request for execution of dutch treat for the total payment amount corresponding to inputted order information.

Description

DUCH FEE SYSTEM {SYSTEM FOR DUTCH PAY}

The present invention relates to a Dutch payment system.

The mobile payment market provides convenient payment methods to both users and merchants as the related technology develops.

There has been proposed a method of embedding card information in a user terminal and performing settlement using the card information. However, in a case where a plurality of people gather to eat and pay for the meal cost (that is, to perform a Dutch payment) , The user has to disclose his / her intention to pay a certain amount of the settlement cost to the clerk, and each has to present the card and perform the settlement.

In addition, when the merchant needs to perform settlement in accordance with the Dutch payment request, the merchant has to input the payment information one by one and check again whether the settlement of the total settlement amount has been completed.

The present invention has been proposed in order to solve the above-mentioned problems, and it is an object of the present invention to provide a method and system for a mobile terminal in which a plurality of user terminals perform a dead- The object of the present invention is to provide a Dutch pay system capable of conveniently performing a Dutch pay.

A batch payment system according to an embodiment of the present invention receives settlement request information from at least one user terminal in response to a request for execution of a Dutch payment for a user terminal requesting execution of a Dutch payment and a total payment amount corresponding to input order information And a payment server for authenticating the payment.

The present invention provides a Dutch payment system in which a plurality of users who have provided goods or services enter their respective settlement amounts to perform settlement, , There is an effect that fast and reliable search can be performed.

According to the present invention, users can intuitively confirm the Dutch payment status through their own terminals, thereby increasing the convenience of inputting or dispensing the settlement amount. In view of the merchant providing the goods or service, There is an effect of solving the problem that the waiting time for payment is increased by performing input and settlement separately for the amount of settlement of the Dutch money in a complicated manner.

According to the present invention, according to the present invention, the users can perform the Dutch payment using the portable terminal or pay the amount to be paid by the cash or the plastic card among the Dutch money amount, It is possible to provide an infrastructure.

According to the present invention, by sharing a bill (payment request information) about order information and making a settlement request not only to the person who shared the goods or the service but also to the acquaintance of the person (third person, ex. Parent) There is an effect that can perform the Dutch image through.

The effects of the present invention are not limited to those mentioned above, and other effects not mentioned can be clearly understood by those skilled in the art from the following description.

1 is a block diagram illustrating a Dutch payment system according to an embodiment of the present invention.
2 to 4 are diagrams illustrating a self settlement process according to a first embodiment of the present invention.
5 to 10 illustrate a payer-specific settlement process according to a second embodiment of the present invention.
11 to 14 are diagrams showing an error message pop-up screen according to an embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The above and other objects, advantages and features of the present invention and methods of achieving them will be apparent from the following detailed description of embodiments thereof taken in conjunction with the accompanying drawings.

The present invention may, however, be embodied in many different forms and should not be construed as being limited to the exemplary embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, And advantages of the present invention are defined by the description of the claims.

It is to be understood that the terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. In the present specification, the singular form includes plural forms unless otherwise specified in the specification. &Quot; comprises " and / or " comprising ", as used herein, unless the recited component, step, operation, and / Or added.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Lunch time on weekdays, when a worker visits a restaurant with his / her colleagues for a lunch, and each person performs a settlement with a Dutch fare (the employee A at table 1 orders a 7,000 won kimchi stew, For example, when ordering roasted mackerel).

In the first case, the merchant clerk is paid 7,000 won from A and receives 8,000 won from B, if he / she wishes to separately settle the food he / she ordered himself / herself. In the second case, , B, 7,500 won for each payment, the merchant clerk should pay the two customers for each 7,500 won.

In the second case, the settlement amount is not automatically calculated according to the menu input on the merchant terminal (POS), so the merchant shop clerk directly inputs the settlement amount of 7,500 won directly to the merchant terminal (POS) There is a problem that it is more inconvenient.

That is, as a merchant, a menu or an amount of a payment request to each customer for order information of a table is separately input to a POS, and a payment using a cash, an in-kind plastic card, or a payment using a user's mobile terminal Application, etc.). This increases the waiting time of the payment, which causes a problem in that the satisfaction of the customer drops sharply even though the trouble of the clerk increases.

Hereinafter, embodiments of the present invention will be described with reference to FIGS. 1 to 14. FIG.

1 is a block diagram illustrating a Dutch payment system according to an embodiment of the present invention.

The dutch pay system according to an embodiment of the present invention may include a user terminal 100 requesting execution of a dutch page and at least two user terminals 100 And a payment server 400 that receives payment request information from the payment server 400 and authenticates the payment.

The user terminal 100 executes the payment application and requests the execution of the Dutch page. The execution of the Dutch page and its payment status are shared between the merchant POS 200, the merchant server 300 and the payment server 400.

The payment server 400 receiving the payment approval request for the Dutch payment from the user terminal 100 transfers the payment request to the financial company server 500 and receives the approval result from the financial company server 500 and transmits the approval result to the user terminal 100 and the merchant And transmits it to the server 300 and the merchant POS 200.

Hereinafter, a self-settlement process according to a first embodiment of the present invention will be described with reference to FIGS. 2 to 4. FIG.

Hereinafter, in order to facilitate the understanding of those skilled in the art, the case where three users are A, B, and C is described as an example, but the number of users who execute the Dutch pay is not limited thereto.

Referring to FIGS. 2A to 2C, when a user orders a menu, the table number and order contents of the user are input into the POS shop 200.

The user A uses the user terminal 100a of the user A to recognize the QR code or connect to the mobile bill of the tag (including the table unique number) received through the NFC function.

The QR code recognition or the NFC recognition is a recognition means for accessing the order information for the tag, that is, the Dutch page, covering the wireless communication system such as BLE Beacon, Sound, and RF tag. But is not limited by these descriptions.

As shown in FIG. 2A, the mobile bill is invoked via the NFC smartphone touch or QR code scan in the table via (a-1) user terminal 100a.

The order list is displayed on the user terminal 100a as shown in (b-1). When the user clicks on the "Duel Pay" and the "Pay" .

On the screen (c-1), the user A inputs the amount (8,000 won) to be paid by himself / herself through the input screen of his terminal 100a and then selects the " 1) screen, the payment mobile phone number is input and (e-1) the payment application is provided from the payment server 400 to carry out the Dutch payment.

In the case of this embodiment, the sum of the order amount, that is, the total payment amount is 21,000 won, the amount of money left after the user A's 8,000 won payment is 13,000 won, and the merchant POS 200 updates Quot; waiting for payment " to " DuckPay in progress " through the screen of FIG.

The franchise POS 200 according to the embodiment of the present invention can display the remaining amount in accordance with the execution of the Dutch pay and display the total payment amount as it is on the POS screen without changing the status to " In progress ", followed by " payment completed ".

At this time, if some of the users sharing the goods or services have difficulty in proceeding with the Dutch payment using the mobile terminal, the merchant POS 200 selects the "other payment processing" , It is possible to perform settlement processing using cash or a plastic card.

For example, in a situation where three users are provided with a service corresponding to a mobile bill of 30,000 won and are willing to pay 10,000 won each for a Dutch payment, two of them have completed Dutch payment using their mobile terminal , A balance of 10,000 won is displayed on the screen of the merchant POS (200) in the merchant shop POS (200), and payment of the balance is made using the cash or the plastic card from the remaining one in accordance with the selection of the "other payment processing" "Payment Completed" will be displayed.

In step (d-1) of FIG. 2 (a), the payment mobile phone number is input only once, and the input information is stored in the web browser cache data.

The browser requests payment through the payment application with the payment mobile phone number. After refreshing, the mobile bill is changed to the status of the Dutch payment.

Referring to FIG. 2 (b), as shown in FIG. 2 (b), the user B searches the user terminal 100b via the NFC smartphone touch or QR code scan Invokes a bill, or invokes a mobile bill via the message URL received in accordance with the execution of the Dutch payload of the user terminal 100a.

The order list and the Dutch page progress status are displayed on the user terminal 100b of the user B as shown in (b-2).

When the user clicks on "Dedicate Pay" and "Pay" via the user terminal 100b, the screen goes to the screen (c-2).

On the screen (c-2), the user B inputs the amount (9,000 won) to be paid by himself / herself through the input screen of his / her terminal 100b and then selects the " 2) screen, and then (e-2) performs a pay-per-view through a payment application provided from the payment server 400. [

At this time, it is also possible for the user to directly key in the payment amount, but after confirming the current menu information and the price, it is possible to input the payment amount by clicking the "Add to payment amount" button. Do.

The remaining amount of KRW 4,000 after the user B's payment of 9,000 won is updated to the amount to be paid, and the merchant POS 200 proceeds to "Dutch Pay in Progress".

As described above, the merchant POS 200 can display the remaining amount (for example, 4,000 won at the current stage) in accordance with the execution of the Dutch Pay, and the total payment amount (e.g., 21,000 won in the present embodiment) It is also possible to display it as it is and display the status as "DUTCH FACE in progress".

As described above, in step (d-2) of FIG. 2B, the payment mobile phone number is input only once, and the input information is stored in the web browser cache data.

Referring to FIG. 2C, the user C calls the mobile account through the NFC smartphone touch or QR code scan in the table through (a-3) the user terminal 100c, And then invokes the mobile bill through the received message URL.

The user terminal 100c of the user C displays the order list and the Dutch fee progress status (the sum of the order amount, the amount already paid, and the amount required for settlement) as shown in (b-3).

When the user clicks on the "DUTCH FARE" and the "SETTING" via the user terminal 100c, the screen goes to the screen (c-3).

On the screen (c-3), the user C inputs the amount (4,000 won) to be paid by himself / herself through the input screen of his / her terminal 100c and then selects the " 3) screen, and then (e-3) performs a Dutch payment through a payment application provided from the payment server 400. [

Upon completion of settlement of the last user C, settlement of the total payment amount ordered by the users A, B, and C is completed, and the merchant POS 200 transmits the current settlement status as " Pay in progress "to" Payment completed ".

As described above, the payment request information (bill) including the table ID is shared in real time between the terminals of the users A, B, and C who share the service, and the bill amount information is updated in real time.

In addition, a bill transmitted to a mobile messenger (e.g., KakaoTalk) or a text message, rather than directly tagging the table with a QR code, includes a unique order number in the URL, It is automatically discarded, and when re-browsing the discarded message, it is impossible to access table order and payment request information that other users order / settle.

2A to 2C illustrate a process in which users A, B, and C who share a service perform a Dutch payment using their own terminals. However, according to the present invention, It is also possible to provide a Dutch payment service through third party payment.

As described above, the mobile bill is shared via a URL, which includes a unique order number.

For example, among the users sharing the service, C does not perform settlement directly to its own payment means but requests transaction information including amount information to be duly paid by the third party (its parent) It is possible.

That is, the third-party terminal (the payer terminal) that has received the proxy settlement request information from the buyer terminal (user C) performs settlement of the transaction details, and the settlement-related information is transmitted to the merchant POS 200.

3 is a diagram illustrating a process of sending a bill according to an embodiment of the present invention.

The user terminal 100a of the user A calls the mobile account through the NFC smartphone touch or QR code scan in the table (a), (b) sends the order information to the mobile messenger (e.g., KakaoTalk) Button is clicked.

(c) the user terminal 100a of the user A selects a friend to be shared via the mobile messenger buddy list, and (d) transmits the message including the URL to the mobile messenger.

The user terminals 100b and 100c receiving the message (e) click on the URL to execute the mobile web browser to display the mobile bill.

As described above, the process of sending a bill is performed between persons who share the service, and it is also possible that a mobile bill is transmitted to a person who shares a service to request a proxy settlement to a third party.

FIG. 4 illustrates a self-settlement mobile statement according to a first embodiment of the present invention.

① Check the check box for checking out the Duck Fee box and go to the Duck Fee page when selecting the Pay button.

② DuckPay only page is a dedicated page exposed when the DuckPay and PayPal buttons are clicked on the mobile bill.

3 & cir & relates to a tab for selecting " self payment " corresponding to the first embodiment described above and " payment payer designation " corresponding to the second embodiment to be described later.

④ The payment amount input box is an input box for inputting the payment request amount to be paid by the user.

⑤ The currently ordered menu price exposes the order list menu of the mobile bill. ⑥ Add to the amount to be paid adds up the amount of the menu that is selected in the input box for the amount to be paid when the button is selected.

⑦ is a button for batching, and when you select it, popup window for inputting billing cell phone number will pop up.

⑧ is a refresh button, the page is refreshed when the button is selected, and ⑨ is the URL of the mobile bill to the above-mentioned mobile messenger buddy.

Hereinafter, with reference to FIG. 5 to FIG. 10, a payer-designated settlement process according to a second embodiment of the present invention will be described.

First, when the users A, B, and C order a menu, the table number and the contents of the order the user is sitting on are inputted into the merchant POS.

The user A uses the user terminal 100a of the user A to recognize the QR code or connect to the mobile bill of the tag (including the table unique number) received through the NFC function.

As described in the first embodiment, the QR code recognition or the NFC recognition is a recognition means for accessing the tag, that is, order information for the Dutch page, and the scope of the present invention is not limited by this description.

As shown in FIG. 5, (a) the user terminal 100a invokes a mobile bill through an NFC smartphone touch or QR code scan in the table.

The order list is displayed on the user terminal 100a as shown in (b), and when the user selects the "Dutch Pay" and clicks on "pay" through the user terminal 100a, I go over.

On the screen (c), when the "payee designation" tab is selected, the payer's mobile phone number is input through the input screen of the user terminal 100a as shown in (d), and the payment amount for each mobile phone number is input.

When the input is completed, a confirmation message for payment request information is displayed on the user terminal 100a as shown in (e), and (f) the user A's Dutch payment is performed through the payment server 400 (8,000 won payment, The remaining amount is 13,000 won).

The user terminal 100b of the user B designated as the payer and the user terminal 100c of the user C confirm the payment request Push as shown in FIG. (User B is 9,000 won, user C is 4,000 won).

FIG. 6 shows a screen of the user terminal 100a of the user A, which is a user terminal leading the Dutch payee through the payer designation.

① The amount to be divided represents the amount of the order or the amount of money required to be paid ② The total amount of money entered represents the sum of the payment request amount of the payer's mobile phone number designated as the payer respectively ③ The amount not inputted is the amount Is subtracted.

(4) The payer representative is a flag, which corresponds to a user terminal that is responsible for the Dutch payment, (5) The payment request amount input box inputs the payment request amount and the sum value is expressed as the sum of the input amount.

⑥ When you select the Add Payer Mobile Number button, the Payer Mobile Number and Payment Request Amount input box are additionally created. ⑦ 1 / N Division is as much as the number of the Payer's mobile phone number, .

At this time, it is possible to cut the 1 / N division by a unit of 100 yen according to the preset method, divide the balance, and add the remaining balance to the payer representative.

⑧ DuckPage invokes popup screen to confirm payment request information when button is selected, and ⑨ Paste button corresponds to the function to paste copied number from mobile phone contact.

As shown in FIG. 7, when the input of the payer's mobile phone number and the payment request amount is completed and the confirmation message for the payment request information is confirmed, the payment application 410 performs the Dutch payment, The mobile web browser 110 performs mobile billing refresh and status change.

8 to 11 are diagrams illustrating a 1 / N division process according to an embodiment of the present invention.

As shown in Fig. 8, when 1 / N division is selected in the user terminal 100a leading to the Dutch page, a " Payer Assignment " tab is displayed, and the amount to be divided is calculated by the number of the payer's mobile phone number Is automatically entered as the amount of the payment request.

At this time, as shown in FIG. 9, 1 / N division is performed in such a manner that the remaining amount is added to the settlement request amount of the representative user terminal, for example, The sum of the requested amount is equal to the amount to be divided.

As shown in FIG. 10, when the confirmation message for the payment request information through 1 / N division is confirmed, the pay-per-view application 410 performs the Dutch payment on each user terminal, The browser 110 performs the mobile bill refresh and status change.

11 (a), when the sum of the payment request amounts does not match the amount to be divided by the user terminal driving the Dutch page, the error message (error guide) is displayed on the user terminal as a pop-up Respectively.

Also, as shown in FIGS. 12 to 14, when the payment has been completed for the total payment amount (when the other payment has paid all the remaining amount), the payment server requests payment for the order information thereafter To the user terminal (100) which has transmitted the message to the user terminal (100).

According to another embodiment of the present invention, when the first user terminal makes a settlement for the total payment amount using its payment means, the payment server transmits a payment request from the first user terminal to the designated payer terminal It is possible to generate and transmit the account transfer request message for the Dutch page to the user terminal, the third user terminal, and the like.

For example, the user A is provided with the services of the users B and C and the total payment amount of 21,000, performs payment for the total payment amount using his / her terminal (the first user terminal) And transmits the account transfer request message to the terminal.

In this case, the account transfer request message includes the account information of the user A and the transfer request amount (7,000 KRW for B and C for all B / C, 9,000 KRW for user B, 5,000 KRW for C, etc.) .

According to another embodiment of the present invention, the settlement server 400 communicates with the merchant server 300 and transmits discount or accumulation target information on the total settlement amount to the user terminal (terminal 100 performing settlement) , And performs point discount or accumulation at the time of payment authentication from the user terminal (100).

Accordingly, the user terminal 100 that performs settlement can perform settlement by selecting a settlement means having a high discount rate among a plurality of built-in settlement means.

According to another embodiment of the present invention, the users A, B and C check the mobile bill (total payment amount: 30,000 won), and the users A, B and C having the highest discount rate (HyundaiCard, 30% discount) (The total payment amount after the discount is 21,000 won), a message asking the users B and C to transfer the money to the user A account (in the case of the same payment, B, C, 7,000 won for each user / 9,000 won for B and 5,000 won for C when user A is specified).

In addition, the users A, B and C check the mobile bill (total payment amount: 30,000 won), and the user A who has the point payment means (Hyundai Card, 30% (The total payment amount after the discount is 21,000 won), a message asking the users B and C to transfer the account to the user A account (considering that the user A used the point B, and C, all of which are requested to be paid at the same rate of 10,000 won for the total payment amount of 30,000 won before the discount, or 7,000 won for B and 7,000 won for C according to the designation of user A) It is possible.

The embodiments of the present invention have been described above. It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

100: User terminal 200: Merchant POS
300: Merchant server 400: Payment server
500: Financial company server

Claims (10)

A user terminal for displaying order information and requesting execution of a Dutch page; And
A settlement server for receiving settlement request information from the user terminal in response to a request for execution of the Dutch payment and for authenticating settlement of the total settlement amount corresponding to the inputted order information,
/ RTI >
The method according to claim 1,
The payment server updates the amount information necessary for settlement by reducing the amount information from the total payment amount after completing the corresponding settlement based on the settlement authentication with the first user terminal
In Dutch system.
3. The method of claim 2,
The payment server transmits the amount information required for the updated payment to the second user terminal requesting the execution of the Dutch payment and communicates with the second user terminal to settle the requested amount of money
In Dutch system.
The method according to claim 1,
The payment server communicates with the merchant server and the merchant POS to share the payment request information and the Dutch payment status information according to the payment authentication
In Dutch system.
The method according to claim 1,
The first user terminal designates a payer to perform settlement with respect to the total payment amount, and transmits a payment request for the user terminal information and the amount to be paid
In Dutch system.
6. The method of claim 5,
The second user terminal receives the settlement request message including the settlement amount information from the first user terminal and performs settlement on the settlement app accordingly
In Dutch system.
6. The method of claim 5,
When the 1 / N division is selected in the first user terminal, the payment server distributes the total payment amount to the designated payer terminal according to a preset method, and transmits the unsettled payment request amount information to the terminal of the designated payer To transmit
In Dutch system.
The method according to claim 1,
The user terminal receives the order menu included in the order information and the price information thereof as a list, adds the price information to the amount to be paid, and requests the execution of the Dutch page
In Dutch system.
The method according to claim 1,
The payment server communicates with the merchant server to transmit discount or accumulation object information to the total payment amount to the user terminal and to perform point discount or accumulation at the time of payment authentication from the user terminal
In Dutch system.
The method according to claim 1,
Wherein the order information and the total payment amount are shared between the user terminals through a URL in the form of a mobile bill containing a unique order number and the mobile bill is automatically canceled after payment is completed
In Dutch system.

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