KR20190029555A - Smart payment system and method for providing selective payment function - Google Patents

Abstract

According to the present invention, a system for providing an electronic payment service is disclosed. More particularly, the present invention relates to a smart payment system and a method thereof for operating a selective payment by using not only a credit card which is a post-payment mean but also various payment means such as a check card. According to an embodiment of the present invention, by providing, during a payment, an interface for selecting a check card, to which a different commission rate from that of the credit card is applied, and setting a discount rate, a settlement function using not only a credit card but also a card with a lower commission rate can be provided.

Description

TECHNICAL FIELD [0001] The present invention relates to a smart payment system and method for providing an optional payment function,

The present invention relates to a system for providing an electronic payment service, and more particularly, to a smart payment system and method which can selectively perform payment using various payment means such as a credit card as a postcard payment means, .

In general, a credit card is widely used as a payment means when purchasing goods from a store or receiving service from a service provider.

The total credit card usage limit is the sum of lump sum transaction, installment transaction amount, and cash service. Each item will again be capped within the card usage limit. The limit of each item and the card usage limit is determined by the creditworthiness of the card user. Card users can purchase goods or use cash services within each limit.

However, depending on the payer, various payment means are required not only for a credit card as a postponed payment means but also for payment immediately using cash or payment using a debit card or a check card capable of performing payment within the account deposit amount There is a case.

In particular, a cash IC card is a card that allows an account to be withdrawn and withdrawn through an ATM device. Unlike a credit card and a check card, the IC card does not have an immediate payment function. However, Media.

On the other hand, patients or caregivers who spend a large amount of medical expenses by frequently using hospitals, and ordinary people with high credit card expenditures usually feel a heavy burden on payment, and when they settle the payment, they choose a payment method that is financially advantageous However, in most cases, only the limited means are provided according to the contract conditions of the merchant, and customer complaints are increasing.

In addition, since the commission rate is applied to the VAN company and the PG company in the case of the franchisee, the commission may be advantageous or unfavorable to the merchant. However, in the conventional payment system, only a limited payment processing function There is a limit.

Korean Patent Publication No. 10-2005-0079886 (published date: Aug. 11, 2005)

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a payment function using a cash IC card that provides a selective payment processing function using a cash IC card, There is a challenge in providing a smart payment system and method.

Another object of the present invention is to provide a smart payment system and a method for easily inquiring and downloading a payment amount, a fee, and a settlement amount for each card by day / week / month.

In order to solve the above problems, a smart payment system according to a preferred embodiment of the present invention includes: a screen providing unit for providing a plurality of screens related to settlement proceeding to a user terminal via a web; A settlement processing unit for providing a plurality of interfaces for selecting any one of the settlement procedures and performing a settlement procedure and a database for storing data generated according to the progress of the settlement procedure, A credit card, a check card, and a cash settlement module, and if the selected payment means is a check card, a credit payment processing module for receiving the discount rate and proceeding the settlement process.

In addition, another embodiment of the present invention provides an alternative settlement method using a smart settlement system that provides a plurality of screens related to settlement proceeding to a user terminal via a web, the method comprising: receiving a settlement request amount from the user terminal, A step of selecting any of the payment means among a card, a check card, a cash settlement, a loan settlement, and a complex settlement, receiving settlement periods from the user terminal when the selected settlement means is a credit card, And a step of requesting payment to the VAN server or the PG server according to a result of the calculation, wherein the step of calculating the fee includes the steps of: If any one of the cash settlement is selected and the selected payment means is a check card, the step of receiving the discount rate may further include receiving a discount rate The.

According to the embodiment of the present invention, by providing an interface for setting a check card and a discount rate to which a commission rate different from that of a credit card is applied at the time of settlement, a billing function using not only a credit card but also a card with a lower commission rate is provided can do.

In addition, the present invention has an effect of allowing an administrator to more easily process a cost settlement task by easily inquiring and downloading a settlement amount, a fee, and a scheduled settlement amount in units of days, weeks, and months.

FIG. 1 is a block diagram of a smart payment system and a component connected thereto according to an embodiment of the present invention.
2 is a diagram illustrating a smart settlement system according to an embodiment of the present invention.
3A, 3B, and 3C are diagrams illustrating functions of a card settlement processing module, an SMS settlement processing module, and a loan settlement processing module, which form a settlement processing unit of a smart settlement system according to an embodiment of the present invention.
4 is a diagram illustrating a smart payment method for providing an optional payment function according to an embodiment of the present invention.
5A to 5C are views illustrating an initial screen and a card settlement interface among interface screens of a smart payment system according to an embodiment of the present invention.
6 is a diagram illustrating an interface to a handwritten payment function among interface screens of a smart payment system according to an embodiment of the present invention.
7A and 7B are views illustrating an interface for an SMS settlement function among interface screens of a smart settlement system according to an embodiment of the present invention.
8 is a diagram illustrating an interface for a cash settlement function among interface screens of a smart settlement system according to an embodiment of the present invention.
9 is a view illustrating an interface for a cash settlement function among interface screens of a smart settlement system according to an embodiment of the present invention.
10 is a diagram illustrating an interface for a complex payment function among interface screens of a smart payment system according to an embodiment of the present invention.
11 is a diagram illustrating an interface for a management and setting function provided by a smart payment system according to an embodiment of the present invention.
12A and 12B are views illustrating interfaces provided to a user terminal when a management function provided by a smart payment system according to an embodiment of the present invention is performed.

Prior to the description, when an element is referred to as being "comprising " or" comprising "any element throughout the specification, it is to be understood that the element It means that you can.

The term "embodiment" is used herein to mean serving as an example, instance, or illustration, although the subject matter of the invention is not limited by such example. It is also to be understood that the word "comprising, "" having "and other similar terms are used, unless the context clearly dictates otherwise. &Quot;Quot; is < / RTI > used in a manner similar to the term " Comprising ".

Also, terms such as "unit," terminal, "... server, and " system" Means a unit for processing an operation in which one or more functions are combined, and may be implemented by hardware, software, or a combination of hardware and software.

The various techniques described herein may be implemented with hardware or software, or may be implemented with a combination of both, where appropriate. The terms "part", "terminal", "server", and "system", as used herein, Can be treated as equivalent. In addition, in the present invention, an application program executed in a user terminal may be configured in units of "negative" or "module ", and may be recorded in one physical memory in a form readable, writable, and erasable, As shown in FIG.

Hereinafter, a smart payment system and method for providing an optional payment function according to an embodiment of the present invention will be described with reference to the drawings.

FIG. 1 is a block diagram of a smart payment system and a component connected thereto according to an embodiment of the present invention.

Referring to FIG. 1, the smart payment system 100 according to the embodiment of the present invention allows a user to make a payment through a variety of payment means such as a credit card, a check card, Thereby providing an environment for carrying out related enterprise-related tasks.

The user terminal 10 is installed at each merchant, and performs payment through the smart payment system 100 as a face-to-face payment means through the payment terminal 30, . In addition, the user terminal 10 can perform various procedures related to settlement on an interface (UI) provided by the smart settlement system 100 via the web.

Here, the user terminal 10 may be provided with a client program for receiving and executing a UI capable of processing various payment procedures through interlocking with the smart payment system 100 of the present invention, or a web browser may be installed have.

The settlement terminal 30 performs a face-to-face settlement procedure using a credit card, a check card, or the like between an affiliate shop and a VAN company or a PG company. The payment terminal 30 recognizes a credit card or a check card, When a payment is requested, the payment is made using a credit card, a check card, or the like in cooperation with the VAN server or the PG server 50 through the information communication network.

When the smart payment system 100 receives information such as an amount and a payment means from the user terminal 10, the smart payment system 100 can make a payment through either the VAN company or the PG according to the setting. For this purpose, the smart payment system 100 provides a plurality of interfaces to the user terminal 10 through the information communication network, and can input necessary information or settings through the interfaces.

Particularly, the smart settlement system 100 according to the embodiment of the present invention selectively applies various payment means such as a cash settlement, a loan settlement, and a complex settlement in addition to the limited settlement means of a credit card and a check card, .

In addition, the smart settlement system 100 of the present invention can further apply an additional discount rate when using a check card capable of withdrawing cash within the balance of the account designated as the payment means, Benefits can be provided.

Hereinafter, the structure of a smart settlement system according to an embodiment of the present invention will be described in detail with reference to the drawings.

2 is a diagram illustrating a smart settlement system according to an embodiment of the present invention.

2, a smart payment system 100 according to an exemplary embodiment of the present invention includes a screen providing unit 110 and a screen providing unit 110 for providing a plurality of screens related to a settlement process to a user terminal through the web, A settlement processing unit (200) for providing a plurality of interfaces for selecting any one of the plurality of settlement means and proceeding the settlement procedure; and a database (130) for storing data generated according to the progress of the settlement procedure, If the selected payment means is a check card, the payment processing unit 200 receives a further discount rate reflected in the set commission rate, and proceeds with the settlement procedure And a card settlement processing module 210.

In addition, the smart payment system 100 displays a transaction history list arranged in the order of settlement date on the screen by referring to the database 130 and displays a transaction settlement list in which settlement is requested to cancel the settlement according to the selection of one or more settlement items on the list A transaction date, an approval date, a cancellation date, a card number, an installment status, a transaction amount, a tax amount, a VAT amount, a tax exemption amount, a card issuer, a card acquirer And payment means for displaying transaction information including at least one of payment means, payment means, and payment means.

The screen providing unit 110 is connected to the user terminal through the web, and can provide a screen displayed on the client program or the web browser installed in the user terminal.

In the embodiment of the present invention, the merchant and the user terminal installed in the merchant must be registered in the smart payment system. The screen provider 110 is connected to the user terminal and displays a screen And perform the settlement procedure.

The database 130 may store data generated according to the progress of payment by the smart payment providing system. The data stored in the database may store the transaction information that is input at any time when the transaction occurs, and may be arranged in units of days, weeks, and months at the request of the user.

The settlement cancellation unit 140 can cancel the proceeding payment procedure according to the input of the user. In the database, transaction information for all transactions conducted through the system is stored. In response to a request from the user terminal, the payment cancellation unit 140 reads transaction information within a specific period from the database 130, If a cancellation of any transaction on the list is requested, the cancellation procedure is performed.

The payment management unit 150 can confirm the details of the transaction information within a specific period according to a request of the user terminal and provide information necessary for the management service. The user can confirm the transaction information including the transaction history list provided by the payment management unit 150 through the user terminal, and utilize the transaction information in the management work.

The transaction information provided by the settlement management unit 150 includes an approval number, a transaction date, an approval date, a cancellation date, a card number, an installment status, a transaction amount, a tax amount, a VAT amount, a tax exemption amount, And the like.

The payment processing unit 200 may provide a plurality of interfaces for selecting one of the plurality of payment means and proceeding the payment procedure through the screen providing unit 110 at the time of payment attempt. The smart settlement system 100 of the present invention can provide various payment means such as a credit card, a check card, and a cash settlement through a user terminal of each merchant. In accordance with the input contents, Alternatively, PG may request payment.

The settlement processing unit 200 includes a card settlement processing module 210, a handy settlement processing module 220, and an SMS (Payable) processing module 220 that provide various interfaces to the user terminal to perform the above- A payment processing module 230, a cash settlement processing module 240, a loan settlement processing module 250, and a complex settlement processing module 260.

The card settlement processing module 210 can set a commission and the like according to the payment means selected by the user, and can request the settlement and proceed with the transaction in cooperation with the settlement terminal or the PG company server.

The handwritten settlement processing module 220 can receive the card information including the card number and the expiration date of the credit card, and can request the settlement and proceed with the procedure.

The SMS payment processing module 230 can receive personal information including the telephone number of the payer, request payment, and process the payment.

The cash settlement processing module 240 can request a payment for cash and proceed with the procedure.

The loan settlement processing module 250 may request the settlement amount by itself in accordance with an internal procedure other than the settlement amount, set the obligation to the payee, and proceed with the subsequent procedure.

The complex payment processing module 260 can request payment and process the payment by combining two or more payment methods such as a credit card, a check card, and a cash settlement.

If the selected payment means is a check card, the card settlement processing module 210 further receives a discount rate that is further reflected in the set commission rate There is a feature to proceed with the settlement procedure.

Hereinafter, the functions of the main modules among the modules included in the payment processing unit of the smart settlement system according to the embodiment of the present invention will be described in detail with reference to the drawings.

3A to 3C are diagrams illustrating functions of a card settlement processing module, an SMS settlement processing module, and a loan settlement processing module, which constitute a settlement processor of a smart settlement system according to an embodiment of the present invention. Each of the functions described below can be implemented as a single interface and can be transmitted to a user terminal, and a user can input contents to the interface and perform a procedure.

3A, the card settlement processing module 210 of the settlement processing unit of the present invention includes a money amount input function 211, a payment means selection function 212, an installment period setting function 213 and a payment amount calculation function 215, , And each function can provide a plurality of interfaces for implementing it.

The amount input function 211 is a function for receiving an amount to be paid. The payment amount may be directly inputted through the user terminal or may be a method in which the amount transmitted from the payment terminal connected to the user terminal is automatically inputted into the input window.

The payment means selection function 212 is a function for allowing a payee to select a desired payment means, and can select a payment means such as a credit card, a check card, or a cash settlement depending on the selection. In particular, if the credit card is set as the payment means, the installment period setting function 213 can be activated, and if the other payment means is set, the payment amount calculation function 215 can be deactivated.

The installment term setting function 213 is a function for receiving an installment term according to the credit card settlement. Such an installment period may be set to be usually two months to several months, and between two months and five months may be set to no interest. If the installment period is set as the period in which the interest exists, it may be reflected in the fee calculation and reflected in the monthly settlement amount.

The payment amount calculation function 215 is a function for requesting settlement by calculating the commission generated according to the input amount and the selected payment means, generating payment information, and transmitting it to the VAN company or the PG company. In particular, the payment amount calculation function 215 may calculate the fee based on the card payment, and in the case of the check card, the user may further input the discount rate to induce the use of the check card.

3B, the SMS settlement processing module 230 of the settlement processing unit of the present invention may perform a money amount input function 231, a mobile phone number input function 233, and an SMS interlock function 235.

The amount input function 231 is a function for receiving an amount to be paid. The mobile phone number input function 233 receives the mobile phone number of the payee as it is performed in the mobile phone of the payee for SMS settlement.

The SMS interworking function 235 is a function for requesting the settlement amount and the mobile phone number to transmit a settlement SMS for settlement in cooperation with a server of an external communication service company previously affiliated or contracted. The payee can proceed the payment procedure through the interface of the mobile phone screen.

3C, the loan payment processing module 250 of the payment processing unit of the present invention performs a money input function 251, a personal information input function 253, a progress mode setting function 255, and a financial institution interlock function 257 .

The amount input function 251 is a function for receiving an amount to be paid. The personal information input function 253 may be a name of a payer, that is, a name of a lender, a mobile phone number, and the like. When the personal information is transmitted to a financial institution, the lender limits and the interest rate of the lender are checked. The proceeding mode setting function 255 is a function for selecting whether to check the above-described limit and interest rate checking procedures by the lender's mobile phone or the stationary PC.

The personal information is transmitted to the affiliated or contracted financial institution server according to the user's selection as the financial institution interlock function 257 according to the user's selection. In response, the borrower can confirm the borrower's limit and interest rate through a mobile phone or a stationary PC.

4 is a diagram illustrating a smart payment method for providing an optional payment function according to an embodiment of the present invention.

4, a smart settlement method for providing an optional settlement function according to an embodiment of the present invention includes a smart settlement system for providing a plurality of screens related to a settlement process to a user via a web, (S100) receiving a settlement request amount from a terminal and selecting one of payment means among a credit card, a check card, a cash settlement, a loan settlement and a complex settlement (S100). If the selected payment means is a credit card, A step S120 of setting a payment period according to the selected payment means and the installment period, and a step S130 of requesting settlement to the VAN server or the PG server according to the calculation result. have.

In step S100, the user accesses the smart payment system through the merchant terminal and selects the payment means in response to the request of the payee to process the payment service for the payee.

At this time, the payee can select any of the payment means among the credit card, the check card, the cash settlement, the loan settlement and the complex settlement according to his or her intention. The payment means is input to the system.

The step S110 is performed when the payment means selected in the step S100 is a credit card, and may be omitted at the check card or cash settlement. The user enters the installment period requested by the payee, that is, the lump sum payment or the installment payment, and further inputs the installment payment term. Thereafter, it is possible to select a card company as a payment means.

Step S120 is a step of calculating a commission based on the items determined in steps S100 and S110. In this step, the smart payment system can provide information on total payment amount, commission, and monthly payment estimate through the user terminal.

The user and the payee can confirm the above-described information on the screen of the user terminal.

In particular, the step of S120 may further include receiving a further discount rate when any one of the payment means credit card, check card, and cash settlement is selected and the selected payment means is a check card, The total payment amount and the monthly payment estimation amount reflecting the discount rate may be displayed on the screen.

In step S130, the settlement agent, that is, the VAN company or the PG company, is requested to settle the actual bill. In this step, the smart billing system requests payment to the VAN company or the PG company via the settlement terminal connected to the user terminal Or request payment directly from PG through the information network.

Hereinafter, the technical aspects of the present invention will be described in detail with reference to an example of an interface screen provided to a user terminal by a smart payment system according to an embodiment of the present invention.

5A to 5C are views illustrating an initial screen and a card settlement interface among interface screens of a smart payment system according to an embodiment of the present invention.

Referring to FIG. 5A, the smart payment system of the present invention can provide an initial screen W100 including a plurality of menus when a connection request and a login procedure are completed from a user terminal.

A main window W101 of the function currently being executed at the center can be arranged on the initial screen W100 and a menu window W102 can be selected on the left to select the main functions provided by the smart payment system according to the embodiment of the present invention, Can be arranged.

The smart settlement system according to the embodiment of the present invention can provide functions for various business processes. Typically, the smart settlement system includes a card settlement processing function F1, a handwritten settlement processing function F2, an SMS settlement processing function F3, A cash settlement processing function F4, a loan settlement processing function F5, and a complex settlement processing function F6. The menu window W102 may include a plurality of button icons that can execute the respective functions F1 to F6.

The main window W101 may display various interfaces corresponding to the function selected in the menu window W102 and may be activated or deactivated in response to the progress of the task in a popup window W103 associated with the main window W101, Can be deactivated.

Particularly, in the smart payment system according to the embodiment of the present invention, the payment can be made using not only a credit card but also a cash IC card, that is, a check card at the time of card settlement. At this time, So that both the franchisee and the payer can both maximize the monetary gain.

In detail, the credit card and the check card are set to have a different commission rate between the merchant and the credit card company, respectively. Therefore, it is desirable to encourage the merchant to use the credit card and the check card as cheaper payment means. With a deduction rate, it may be advantageous to choose a deduction to a check card if the balance in the account is sufficient.

Accordingly, the smart settlement system according to the embodiment of the present invention can provide a function of further setting a separate discount rate when setting a check card as a payment means for guiding to a check card when the payment means is selected. The user can further provide an interface W105 that allows the merchant itself to set a separate discount rate on the check card in addition to the prescribed fee between the merchant and the card company. The user can present the additional discount rate to the payee to induce the payment to the check card having a lower commission rate than the credit card, the payee can broaden the choice of the payment means, And can be selectively used.

5B illustrates a card settlement processing window W110. When the card settlement processing (F1) function is selected in the initial screen W110, the smart settlement system of the present invention provides an interface for proceeding the settlement procedure. The card settlement processing window W110 may include a payment contents input window W111.

The payment contents input window W111 may include a payment amount and a face amount amount input field, a total amount display field, a payment means, a card type selection field, and an installment period input field. Here, if the installment payment is selected by the settlement method, the installment period input window W112 is activated, and the installment period such as one-month to twelve months can be selected.

Here, at the time of installment payment, the settlement agency may set a different commission rate for each VAN company or PG company, and the VAN company or PG company corresponding to the card company may be set through the setting window W113.

When the input is completed up to the installment period, the smart payment system of the present invention can provide a settlement content confirmation window W120 as shown in FIG. 5C.

The payment contents confirmation window W120 is an interface for displaying and confirming the information such as the total payment amount in accordance with the inputting of all contents for payment, and includes a payment contents input window W121, A total payment amount, a fee and a monthly payment amount, etc., may be included in the payment amount display window W122.

The user and the payee can confirm the payment details with the contents displayed on each display window and then proceed with the actual payment procedure to VAN or PG.

6 is a diagram illustrating an interface to a handwritten payment function among interface screens of a smart payment system according to an embodiment of the present invention.

Referring to FIG. 6, the smart settlement system of the present invention may further provide a hand payment processing function in addition to a method using a settlement terminal.

When the user selects the handwritten settlement processing function F2, the smart settlement system can provide a handwritten settlement processing window W200 for receiving card information for handwritten settlement. The handwritten payment processing window W200 may include a handwritten payment input window W201 and may include a payment amount and a tax exemption amount input field, a total amount display field, a payment method selection field, a card selection field, an installment period setting field, An input field, and the like, and the user can input the card information of the payee including the above-mentioned contents and process payment. Here, the card selection field and the install period setting field are activated in the input window W202 illustrated in the drawing, so that the card information can be input.

7A and 7B are views illustrating an interface for an SMS settlement function among interface screens of a smart settlement system according to an embodiment of the present invention.

Referring to FIG. 7A, a smart payment system according to an embodiment of the present invention provides an SMS payment processing window W300 for payment through a mobile phone of a payee at the time of payment, when the user selects the SMS payment processing function (F3) can do.

The SMS payment processing window W300 may further include an SMS payment input window W301, and may include a payment amount input field, a total amount display field, and a mobile phone number input field. It is possible to process the payment by inputting the information of the person. When the information input is completed and the transmission button is selected, a popup-type transmission confirmation window W302 may be further displayed.

The above-described SMS information can be transmitted to an external SMS service system, and the SMS service system refers to the SMS information and transmits the settlement SMS of the set format to the payee's mobile phone.

Accordingly, the payee can input payment contents into the interface of the payment SMS received by his / her mobile phone and request payment.

7B illustrates an interface of the payment SMS. The payment amount display field may include an SMS window W31 including a card selection field, an installment period selection field, a card number field, and a validity field.

The payee can enter payment information through the SMS window (W310) and perform the settlement procedure. Particularly, in the interest payment window (W311) for two months to five months at the payment of the installment payment, In the case where interest is generated as described above, the payment fee guidance field including the total payment amount, the fee and the original payment amount, and the monthly payment comparison field may be included, as illustrated in the payment window W312.

In the installment period selection window (W313), the interest-free period is displayed in the installment period of 2 to 5 months.

8 is a view illustrating an interface for a cash settlement function among interface screens of a smart settlement system according to an embodiment of the present invention.

Referring to FIG. 8, the smart settlement system of the present invention can further provide a cash settlement processing function using cash in addition to the settlement using a card.

When the user selects the cash settlement function F4, the smart settlement system can provide a cash settlement processing window W400 for receiving information for cash settlement. The cash settlement processing window W400 may include a cash settlement input window W401, and may include a settlement and tax exemption amount field and a total amount display field. In addition, the user can select an income deduction, expenditure proof, voluntary issuance and receipt issuance in response to a request of the payer, and can include a field for inputting the issue number for proof of expenditure.

9 is a view illustrating an interface for a cash settlement function among interface screens of a smart settlement system according to an embodiment of the present invention.

Referring to FIG. 9, the smart settlement system of the present invention can further provide a payment processing function through a loan as various payment means.

The smart settlement system of the present invention can process settlement by lending in cooperation with an external financial institution in accordance with a separate affiliation and agreement, and when the user selects the loan settlement function (F5) (W500). The loan processing window W500 may include a loan input window W501 and may include input fields for a loan amount, a customer name, a mobile number, and a method of proceeding.

In addition, the loan processing window W50 may include a separate limit and interest inquiry button. When the user selects the button, the information on the payer is transmitted to the external financial institution to inquire the loan limit and the interest rate A URL that can be transmitted to the payee's mobile phone can be transmitted.

10 is a diagram illustrating an interface for a complex payment function among interface screens of a smart payment system according to an embodiment of the present invention.

Referring to FIG. 10, the smart settlement system of the present invention may further provide a complex payment processing function for performing settlement processing by combining two or more payment means.

When the user selects the complex payment function F6, the smart payment system can provide at least two payment method selection windows W600 for complex payment. The payment means selection window W600 may include an input window W601 for each payment means requested by the payee, and may include a field for the type and amount of the payment means. Here, the amount can be divided into taxable amount and exempted amount.

In addition, in the complex payment function, the total amount of the two or more payment means is set differently and the sum of the amounts thereof is equal to the payment amount. The payment method selection window (W600) And a balance display window W603 for displaying the balance.

According to the above-described interface, the smart payment system of the present invention can provide various payment methods that maximize the convenience of the manager and the payer of the merchant.

Meanwhile, the smart settlement system according to the embodiment of the present invention can provide a function for managing transactions details and setting a system of an affiliated store, in addition to an interface related to card settlement provided by each module of the settlement processing unit.

11 is a diagram illustrating an interface for a management and setting function provided by a smart payment system according to an embodiment of the present invention.

Referring to FIG. 11, according to an embodiment of the present invention, a merchant manager, that is, a user, requests payment to a VAN company or a PG company according to contents input through an interface of a smart payment system, Payment information can be provided. Such payment information may be provided through the payment information window W700. The payment information window W700 may include information such as principal amount, taxation and exemption amount, payment method and the like, and in particular, a display window W701 for the discount and the discounted amount.

Here, the discounted amount is an amount corresponding to the discount rate added by the user at the time of payment using the check card, which can be displayed so as to be distinguished from other information in the display window W701, and a receipt e2) may be displayed separately from the total amount of the discounted amount and the discounted amount.

12A and 12B are views illustrating interfaces provided to a user terminal when a management function provided by a smart payment system according to an embodiment of the present invention is performed.

Referring to FIG. 12A, the smart settlement system of the present invention may include a settlement cancellation unit for a settlement cancellation function, and a user can confirm each transaction history and cancel a settlement through an interface provided by the settlement cancellation unit.

12A illustrates a cancellation window W800 for providing a cancellation function for settlement on the same day. The cancellation window (W800) can be arranged to display the most recent transactions on top of the transaction details processed on the day, and can display the transaction type, transaction number, date of approval, card presence, installment, tax amount, Can be displayed in the form of a list W801.

In addition, each row of the list W801 may include a minimum button, and the user may request cancellation by selecting a transaction for which settlement is to be minimized.

Referring to FIG. 12B, the smart settlement system of the present invention may include a settlement management unit for a management function, and the user can confirm whether or not any transaction is canceled and whether a receipt is output.

FIG. 12B illustrates a management window W810 for the card approval certificates. The management window W810 includes a transaction number, a transaction classification, an approval number, a transaction date, an approval date, a cancellation date, a card number, , A tax amount, a tax amount, a tax exemption amount, a card issuer, a card acquirer, a payment method, and a card classification in the form of a list (W811). Each row of the list W811 may indicate the minimum transaction and the receipt issuance.

While a great many are described in the foregoing description, it should be construed as an example of preferred embodiments rather than limiting the scope of the invention. Accordingly, the invention is not to be determined by the embodiments described, but should be determined by equivalents to the claims and the appended claims.

10: user terminal 30: settlement terminal
50: VAN server and PG server 100: Smart payment system
110: image providing unit 130: database
140: Payment system 150: Payment management
200: payment processor 210: card payment processing module
220: handwritten payment processing module 230: SMS payment processing module
240: Cash settlement processing module 250: Loan settlement processing module
260: Complex payment processing module

Claims (1)

A screen providing unit for providing a plurality of screens related to settlement proceedings to the user terminal via the web;
A payment processing unit for providing a plurality of interfaces for selecting any one of the plurality of payment means through the screen providing unit and proceeding the payment procedure; And
And a database for storing data generated according to the progress of the settlement procedure,
The settlement processing unit,
If at least one of a credit card, a check card, and a cash payment is selected as the payment means and the selected payment means is a check card, in addition to the fee defined between the merchant and the card company, the merchant itself inputs A credit card payment processing module
A smart payment system.

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