KR20190071089A - Method for processing dutch pay transaction and payment terminal - Google Patents

Abstract

The present invention relates to a division payment processing method and a payment terminal device performing the same. The division payment processing method at a payment terminal device comprises the steps of: requesting approval for payment of a first amount to a payment server; receiving approval result information for the payment of the first amount from the payment server; receiving the payment information of a second amount; comparing payment identification information for the first amount and the payment identification information included in the payment information of the second amount to determine whether approval for the payment of the first amount is canceled; and re-requesting the approval for the payment of a third amount after subtracting the second amount from the first amount when approval cancellation for the payment of the first amount is determined.

Description

[0001] METHOD FOR PROCESSING DUTCH PAY TRANSACTION AND PAYMENT TERMINAL [0002]

The present invention relates to a method of processing a partial settlement in a settlement terminal apparatus.

With the continuous development of information and communication technology, a card payment method for providing settlement means to a customer's card and processing payment through a communication network using a payment terminal provided at an affiliated store has been generalized. In the commercial field, card payment method is more actively applied.

Generally, when a user makes a card settlement through a merchant terminal, a payment approval information of the merchant terminal is transferred to the card company server, and when the user has a predetermined period of time, the card payment system issues a bill to the user based on the settlement approval information .

On the other hand, a dutch pay method in which a person uses a card as a representative for the amount of money (for example, a meal cost) used by a plurality of people, and a person who makes a payment as a representative later calculates the amount of each person from another person Widely used.

In the case of such a partial settlement, if the person paying the representative receives cash from each other in cash, the procedure is complicated, the cash is lost, or the expenditure increases due to the use of cash Problems can arise.

As a conventional technique for solving the above problems, in the case of Korean Registered Patent No. 10-1351545 (registered on Apr. 31, 2014), a second user of a card payment amount of a first user, before issuing an invoice from a card issuer server, The amount to be paid is processed by the second user in advance, and the amount to be paid by the second user is directly transferred to the card company.

However, in the case of the related art, there is a problem in that a joint network between card companies is required for the division payment processing and settlement when the card company used by the first user and the card company used by the second user are the same or different.

It is an object of the present invention to provide a method for efficiently processing divided payment and a settlement terminal apparatus for performing the same.

A divided payment processing method according to an embodiment of the present invention is performed in a payment terminal device, and includes the steps of: requesting a payment server to approve payment of a first amount; Receiving approval result information on payment of the first amount from the payment server; Receiving payment information of a second amount; Comparing the settlement identification information for the first amount with the settlement identification information included in the settlement information for the second amount to determine whether or not to cancel approval for the settlement of the first amount; And re-requesting the approval of the settlement of the third amount in which the second amount is subtracted from the first amount, when the approval cancellation for the settlement of the first amount is determined.

The payment terminal device according to an embodiment of the present invention includes a communication unit for transmitting an approval request text for payment of a first amount to a payment server and receiving approval result information for payment of the first amount from the payment server; And when the payment information of the second amount is received through the communication unit, the payment identification information for the first amount is compared with the payment identification information included in the payment information of the second amount, A control unit for determining whether to cancel; And an approval cancellation request for settlement of the first amount and an approval request for payment of the first amount when the approval cancellation for the settlement of the first amount is determined, And a payment information processing unit for generating a specialization.

Meanwhile, the divided payment processing method may be implemented as a computer-readable recording medium on which a program for execution by a computer is recorded, and may be provided as a program itself.

According to the embodiment of the present invention, the settlement terminal apparatus processes the partial settlement using the approval cancellation and re-approval after the approval, thereby reducing the procedural complexity or inconvenience of the merchant in processing the partial settlement.

Further, there is an advantage in that it is not necessary to construct a separate common network among the card issuers for the partial payment processing and the settlement even in the case of processing the partial payment using the payment means of the different payer.

1 is a block diagram showing an embodiment of a billing system according to the present invention.
2 is a block diagram illustrating a configuration of a payment terminal apparatus according to an embodiment of the present invention.
3 is a flowchart illustrating an embodiment of a partial payment processing method performed in the payment terminal according to the present invention.
4 is a timing diagram for explaining an embodiment of a method of processing a partial payment in a payment system according to the present invention.
5 and 6 are diagrams for explaining embodiments of a method for performing re-authorization and cancellation using payment identification information.
FIG. 7 is a block diagram illustrating a configuration of user terminals for performing a divided payment processing method according to the present invention.

Hereinafter, a divided payment processing method according to an embodiment of the present invention, a payment terminal device and a server for performing the method will be described in detail with reference to the accompanying drawings.

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.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described.

Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

The term "settlement terminal device" as used herein refers to a POS terminal for providing a settlement service of card information read from a customer's card by using a general IC card reader unit or a magnetic strip reader other than the operation according to the embodiment of the present invention A terminal or a CAT terminal and may include a typical payment terminal having a POS unique function for managing a point-of-sale and an electronic payment function through a customer card having at least one payment means.

In addition, in recent years, functions of a payment terminal device can be combined with a portable terminal. As a payment terminal device, a mobile phone, a smart phone, a laptop computer, (Personal Digital Assistants), PMP (Portable Multimedia Player), navigation, and the like. The present invention is not limited to this, and various devices capable of user input and information display may be included in the payment terminal.

FIG. 1 is a block diagram of a billing system according to an embodiment of the present invention. The billing system illustrated in FIG. 1 may include a billing terminal 100 and a billing server 200.

1, if there is a credit card payment using a credit card or the like at an affiliated store equipped with the settlement terminal device 100, the settlement terminal device 100 reads the card information from the credit card of the buyer, And transmits it to the payment server 200.

The settlement terminal 100 includes means (for example, a magnetic reader, an IC card reader, or an NFC reader) for reading card information from a buyer's card, and the settlement server 200 uses wired or wireless Internet, A personal computer (PC) capable of communicating with a mobile phone, a mobile phone or a tablet, but the present invention is not limited thereto.

For example, the settlement terminal apparatus 100 may be realized in the form of a POS (point of sale) system in combination with the store sales system, or may be implemented in the settlement server 200 using a wireless Internet or a public telephone network, And a CAT (Card Authorization Terminal) for communicating with the mobile terminal.

On the other hand, the settlement terminal 100 has a settlement program, and can perform a settlement process by transmitting a transaction approval request message to the settlement server 200 using a settlement program and making an approval request.

In addition, the settlement terminal device 100 may output a message or a slip containing a receipt related to transaction approval or cancellation upon transaction approval or cancellation, or generate a message or slip containing a receipt related to issuance or cancellation of a cash receipt and output can do.

In FIG. 1, the payment server 200 is described as being a single server for convenience of description. However, the present invention is not limited thereto, and the payment server 200 may include a server Or means) may be implemented in the form of two or more server groups, and the present invention is characterized in that it includes all of the methods that can be inferred.

For example, the payment server 200 may include a payment relay server and a credit card company server operated by a VAN company. In this case, the payment terminal device 100 may use a network of a bank, The transaction can be completed by accepting the credit card payment from the server.

The billing terminal 100 and the payment relay server of the company are connected to each other through a predetermined network (e.g., the telephone Internet), and the payment server of the company and the credit card company, which is a transaction approval system of the credit card company, Can be connected.

The payment relay server transmits the transaction approval request message to the card company server, and receives the approval result message from the card company server that approves the card payment. For example, the payment relay server reads the credit card company information included in the user information in the approval request text and transmits the data related to the transaction approval request to the card company server of the credit card company for the card payment approval request.

Upon receiving the data related to the transaction approval request, the card company server compares the user information, the product order information, the payment amount, and the merchant information included in the data related to the transaction approval request with its member data or merchant data, And confirms that the transactions that occur between the parties are valid.

On the other hand, the card company server transmits the approval result of the transaction approval request to the payment relay server of the relaying agency of the payment approval request, and the payment relay server stores the approval number data and then transmits it to the payment terminal apparatus 100 of the affiliated shop Lt; / RTI >

The payment terminal device 100 normally receiving the transaction approval result message can transmit an acknowledgment (ACK) message to the payment relay server. The payment relay server that normally receives the acknowledgment message ACK from the payment terminal device 100 may transmit a completion message ESC notifying the payment terminal device 100 that the acknowledgment message ACK has been normally received.

Thereafter, the settlement terminal device 100 that has normally received the completion message (ESC) according to the above-described procedure can output the sales slip according to the transaction approval.

On the other hand, in the billing system 10 as shown in FIG. 1, a representative pays the amount of money (for example, a meal cost) used by a plurality of persons, and a representative Payment can be processed.

According to the embodiment of the present invention, when payment settlement information of a third party is received within a predetermined period of time after a payment approval using a payment means of a representative is received, the payment terminal apparatus 100 cancels approval of a representative payment, It is possible to request the re-approval of the amount so that the partial payment is processed, thereby reducing the procedural complexity or inconvenience of the merchant in processing the partial payment.

Hereinafter, the configuration and operation of the payment terminal device 100 constituting the payment system 10 according to the present invention will be described in detail with reference to FIG. 2 and FIG.

2 is a block diagram illustrating a configuration of a payment terminal according to an exemplary embodiment of the present invention. The payment terminal 100 includes a reader 110, a payment information processor 120, an output unit 130, A user input unit 140, a communication unit 150, a memory 160, and a control unit 170.

Referring to FIG. 2, the reader 110 includes one or more modules for reading card information, and can read card information of a non-contact type IC card of a RF type or a contact type IC card as well as a magnetic type card.

For this purpose, the reader unit 110 may include a magnetic strip reader (MSR) for reading the card information and an IC card reader module for reading the IC card information. In addition to the NFC, WIFI, or Bluetooth standard A short range communication module may be further included.

In addition, the reader 110 may further include one or more reader modules for reading QR codes or bar codes to acquire information included in the codes.

The payment information processing unit 120 can generate a transaction approval request text using the payment amount information input through the user input unit 140 and the card information read by the reader unit 110. [

The communication unit 150 may transmit the generated transaction approval request message to the payment server 200 and receive the approval result message for the transaction approval request message from the payment server 200. [

When the full transaction approval result is received, the sales slip is output through the output unit 130, and the information about the transaction is stored in the memory 160 to update the sales information.

On the other hand, the user input unit 140 may include an input device such as a keyboard or a mouse, and may receive a payment amount, a transaction item, or a service item from a user.

The payment information processing unit 120 generates an approval request text for payment of the first amount, and the approval request text for payment of the generated first amount is transmitted to the communication unit (not shown) 150 to the payment server 200.

Here, the first amount is a total payment amount used by a plurality of people together, and the payment amount of the payment is calculated by using the payment means (for example, a credit card) of a representative of a plurality of people, Amount.

The communication unit 150 may receive the approval result information received from the payment server 200 in response to the approval request text for payment of the first amount.

Thereafter, the communication unit 150 may receive the payment information of the second amount, and the payment information of the second amount may be received from the payment server 200 or another payment server (not shown) different from the payment server 200 Lt; / RTI >

Here, the second amount is a portion of the first amount paid by the representative, which is the amount that the third person who used the first amount together is responsible for the partial payment, and may have been paid using the payment means of the other person other than the representative .

In this case, the control unit 170 compares the payment identification information for the first amount with the payment identification information included in the payment information for the second amount, and determines whether or not to approve the payment for the previously approved first amount have.

For example, the payment identification information is used to identify the payment of the previously approved first amount, and may include at least one of the merchant information corresponding to the payment terminal device 100 and the authorization number for payment of the first amount .

On the other hand, when the control unit 170 decides to cancel the approval for the first amount, the payment information processing unit 120 receives the approval request for payment of the third amount, You can create a request for a revocation request for a payment of one amount.

The approval request for the payment of the third amount and the approval cancellation request for payment of the first amount may be sequentially transmitted to the payment server 200 through the communication unit 150. [

FIG. 3 is a flowchart illustrating an embodiment of a partial payment processing method performed by the payment terminal according to the present invention. The method shown in FIG. 3 is performed by a payment terminal apparatus according to an embodiment of the present invention, Will be described in connection with a block diagram showing a configuration. 3 will not be described below. FIG. 3 is a flowchart illustrating a payment processing method according to an embodiment of the present invention.

3, the communication unit 150 of the payment terminal device 100 requests the payment server 200 to approve payment of the first amount (step S300). In response to the request, From the payment server 200 (step S310).

Thereafter, the communication unit 150 receives the settlement information of the second amount (step S320).

As described above, the first amount and the second amount are paid using payment means of different payers, the first amount is the total amount paid by the corresponding merchant as the payment means of the representative, and the second amount is divided It may be a partial amount paid by a payment method of another party participating in the settlement.

On the other hand, in step S320, payment information of the second amount may be received from the payment server 200, or may be received from another payment server that is different from the payment server 200. [

The controller 170 compares the settlement identification information for the first amount with the settlement identification information included in the payment information for the second amount to determine whether or not the authorization for the settlement of the first amount is canceled (operation S330).

Here, the payment identification information for the first amount is information generated in the payment terminal device 100 using at least a part of the approval result information extracted or received from the approval result information received from the payment server 200, The merchant information on which the payment terminal device 100 is disposed or the approval number for payment of the first amount.

In other words, payment of a representative for the first amount is performed at an affiliated store in which the settlement terminal device 100 is disposed, but payment of a third party for the second amount is performed not only at the corresponding merchant but also at a credit card, And can be carried out using various on / offline payment methods such as transfer, simple settlement or point settlement.

However, the payment identification information for the first amount paid by the representative is included in the payment information of the second amount and must be received by the payment terminal device 100. For this purpose, the payment identification information for the first amount It can be delivered to others to perform.

For example, the payment identification information for the first amount may be transmitted to a terminal of another person (i.e., the payer for the second amount) using at least one of a short-range wireless communication, a QR code, a text message and a mobile application have.

In step S330, when payment information including payment identification information identical to payment identification information for the first amount is received after the payment of the first amount, It can be determined that it is a partial payment, and the approval for payment of the first amount can be canceled and the re-check request can be requested with the deducted amount.

If it is determined in step S330 that the payment identification information included in the payment information of the second amount is the same as the payment identification information of the first amount, the communication unit 150 determines that the payment of the third amount To the payment server 200 (step S340).

In step S350, the communication unit 150 requests the payment server 200 to cancel the authorization for payment of the first amount (step S350).

In the above description, an embodiment of the present invention is described as an example of requesting the cancellation of approval for the settlement of the first amount after the approval of the settlement of the third amount. However, the present invention is not limited to this, It may request the payment server 200 to approve the settlement of the third amount.

On the other hand, when the first amount and the second amount are paid using different payment means (for example, cards issued by different companies or different settlement methods), a separate joint network It is preferable that the above-mentioned partial payment processing method is performed before the first amount is paid to the merchant.

For this purpose, the control unit 170 only accepts the payment of the first amount in the case where another payment information including the payment identification information for the first amount is received within a predetermined period after the payment time of the first amount, You can decide whether to cancel.

More specifically, when the payment information of the second amount is received within a predetermined time from the payment time of the first amount (for example, within 24 hours from the payment time of the first amount), the control unit 170 And can perform the approval cancellation decision step.

Alternatively, only when payment information of the second amount is received up to a certain point in time after the settlement of the first amount (for example, until the settlement date of the first amount), the control unit 170 performs the step of determining whether or not to cancel the approval can do.

4 is a timing diagram for explaining an embodiment of a method of processing a partial payment in a payment system according to the present invention. Description of the same parts as those described with reference to Figs. 1 to 3 of the divided payment processing method shown in Fig. 4 will be omitted below.

4, when payment of the first amount is requested to the card of the first payer (Step S401), the payment terminal device 100 transmits the first payment server 210 for processing approval of the first payer card, (Step S402). In step S402, the approval request message for payment of the first amount is transmitted.

The first payment server 210 approves payment of the first amount using the first payee card (S403), and transmits the approval result telegram including the approval number to the payment terminal device 100 (S404: ).

Thereafter, when the second payment is processed by the second payment server 220 to the payment means of the second payer (step S405), the second payment server 220 transmits the second payment to the second payment server 220 And transmits the payment information of the amount to the payment terminal 100 (step S406).

Here, in order to indicate that the second settlement person is a partial payment for the first money already paid by the first settlement person, the settlement identification number (for example, approval number) for the first money is inputted .

In this case, the second payment server 220 may include the payment identification number for the first amount in the payment information of the second amount to be transmitted to the payment terminal device 100. [

The payment terminal device 100 receiving the payment information for the second amount of money confirms the payment identification information and the time included in the payment information (step S407).

In step S407, the payment terminal device 100 may decide whether to cancel the approval for the first amount and request the approval for the amount of the second amount subtracted for the divided payment processing according to the confirmation result .

If it is confirmed that the settlement of the second amount is a partial settlement for the first amount and that the settlement has been made within the time of the partial settlement, the settlement terminal device 100 transmits the settlement of the third amount (Step S409), the approval approval cancellation request for payment of the first amount is transmitted to the first payment server 210 (step S408) (Step S410), and receives the approval cancel result message (step S411).

5, when the first amount (15,000 won) is paid from the merchant to the representative's card, the first amount is paid before midnight on the payment day The payment terminal device 100 receives the re-approval for the deducted amount (10,000 won) and the first amount (10,000 won) when the information that the second amount (5,000 won) has been paid with the same payment identification number as the approval number 12345678 15,000 won) can be canceled.

On the other hand, even if information indicating that the second amount has been paid to the same payment identification number as the approval number 12345678 for the first money after midnight of the payment is received, the payment terminal device 100 transmits the payment information of the second amount And may not proceed with reauthorization and cancellation of authorization.

In this case, the payment terminal device 100 transmits a partial settlement failure message indicating that there is an error in the settlement to the second settlement server 220 that has transmitted the settlement information of the second amount, 2 < / RTI >

 5, it is explained that immediately after the payment information for the divided settlement amount (second amount) is received, re-approval of the deduction amount (third amount) and approval cancellation for the entire amount (first amount) However, the present invention is not limited to this, and re-approval and cancellation may be performed at the time of partial payment.

Referring to FIG. 6, after the payment of 15,000 won for the representative's card at the merchant, information indicating that 5,000 won has been settled to the same payment identification number as the approval number 12345678 for the first money before the midnight of the payment is received, Then, when the information that the 5,000 won has been paid including the same approval number 12345678 is received again, the settlement terminal 100 re-approves the amount (5,000 won) deducted at midnight on the settlement day, Cancellation of approval can proceed.

As described with reference to FIG. 6, when the reissuance and the approval cancellation are performed, it is possible to prevent the re-approval and the approval cancellation process from being repeated when the amount of money used by three or more persons is divided and settled.

FIG. 7 is a block diagram illustrating a configuration of user terminals for performing a divided payment processing method according to the present invention.

Referring to FIG. 7, the first user terminal 700 is a terminal owned by a representative who pays the total usage amount at the merchant, and the second user terminal 710 is a terminal for dividing the total usage amount It may be a terminal carried by the user.

As described above, in order for the payment terminal device 100 to receive the payment information by the division payer and identify the divisional payment for the amount paid by the representative, the payment identification information for the entire amount paid by the merchant is required, Payment identification information for that may be transmitted to the second user terminal 710 of the payer.

For example, the first user terminal 700 of the representative may transmit payment identification information to the second user terminal 710 using a short-range wireless communication, a QR code, a text message or a mobile messenger, The payment identification information may be transmitted through an application providing a partial payment function installed in each of the terminals 700 and 710.

Here, the second amount to be paid by the installment payment may be an amount obtained by dividing the first amount, which is the total amount paid by the representative, by the total number of persons, and may be automatically calculated using the settlement identification information for the total amount.

In another embodiment, the second amount may be an amount directly input by the divisional payer of the first amount, which is the total amount, and the division payer inputs the second amount to be divided and paid by the second user terminal 710 can do.

In another embodiment, the second amount may be an amount corresponding to the divided payer of the first amount, which is the total amount, and the divided payer may use the second user terminal 710 to select a product he has purchased, The amount corresponding to the commodity can be set as the second amount to be settled.

For example, in a case of dividing the entire amount of money that is eaten together at a restaurant, the entire menu paid by the representative at the second user terminal 710 is displayed using the payment identification information. When the divided payment person selects the menu he / she has eaten The amount corresponding to the menu may be set as the second amount.

The methods according to one embodiment of the present invention described above can be produced as a program to be executed in a computer. In addition, the program may be stored in a computer-readable recording medium. Examples of the computer-readable recording medium include a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk,

The computer readable recording medium may be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner. And, functional programs, codes and code segments for implementing the above method can be easily inferred by programmers of the technical field to which the present invention belongs.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, It will be understood by those skilled in the art that various changes and modifications may be made by those skilled in the art without departing from the spirit and scope of the present invention.

Claims (14)

A method for processing a partial payment in a payment terminal device,
Requesting a payment server to approve payment of the first amount;
Receiving approval result information on payment of the first amount from the payment server;
Receiving payment information of a second amount;
Comparing the settlement identification information for the first amount with the settlement identification information included in the settlement information for the second amount to determine whether or not to cancel approval for the settlement of the first amount; And
And requesting approval of payment of the third amount of money by subtracting the second amount from the first amount, when the approval cancellation for the settlement of the first amount is determined. The method according to claim 1,
Wherein the first amount and the second amount are paid using payment means of different payers, respectively. The system according to claim 1, wherein the payment identification information
And at least one of merchant information corresponding to the settlement terminal device and an approval number for payment of the first amount. The method of claim 1, wherein the payment identification information for the first amount is
And extracting from the approval result information received from the payment server or using at least a part of the approval result information. The method of claim 1, wherein the payment information of the second amount is
And a payment server which is different from the payment server. 2. The method according to claim 1,
And the payment information of the second amount is received within a predetermined time from the payment time of the first amount. 2. The method according to claim 1,
And the payment information of the second amount is received until a certain point of time after the payment of the first amount. The method of claim 1, wherein the re-
If the payment identification information for the first amount is identical to the payment identification information included in the payment information for the second amount,
Requesting the payment server to approve payment of the third amount; And
And requesting the payment server to cancel the approval of the payment of the first amount after the settlement of the third amount is approved. The method of claim 1, wherein the payment identification information for the first amount is
And is transmitted to the payer's terminal using the at least one of the short-range wireless communication, the QR code, the text message, and the mobile application. A payment terminal device for processing a partial payment by communicating with a payment server,
A communication unit for transmitting the approval request message for payment of the first amount to the payment server and receiving approval result information for payment of the first amount from the payment server; And
When the settlement information of the second amount is received through the communication unit, comparing the settlement identification information for the first amount with the settlement identification information included in the settlement information of the second amount, A control unit for determining whether or not the image is displayed; And
Wherein the approval request cancellation request for payment of the first amount and the approval request cancellation request for payment of the first amount, And a payment information processing unit for generating the payment information. 11. The method according to claim 10, wherein the payment identification information
And at least one of merchant information corresponding to the payment terminal device and an approval number for payment of the first amount. 11. The apparatus of claim 10, wherein the control unit
And decides whether or not to cancel the approval for the payment of the first amount only when the payment information of the second amount is received within a predetermined time from the payment time of the first amount. 11. The apparatus of claim 10, wherein the control unit
Wherein the settlement terminal apparatus determines whether or not to cancel the approval for the settlement of the first amount only when the settlement information of the second amount is received up to a certain point after the settlement of the first amount. 11. The apparatus according to claim 10, wherein the communication unit
A settlement terminal device for transmitting an approval request message for settlement of the third amount to the settlement server and for transmitting an approval cancellation fee for settlement of the first amount to the settlement server after the settlement of the third amount is approved, .

Images