KR20190071090A - Method for processing dutch pay transaction and payment gateway terminal - Google Patents

Abstract

The present invention relates to a method for processing a split payment and a payment relay server for conducting the same. A method for processing a split payment in a payment relay server includes: a step of transmitting an approval request for a payment of a first amount of money received from a payment terminal apparatus to a card company server; a step of receiving approval result information for the payment of the first amount of money to transmit the same to the payment terminal apparatus; a step of receiving payment information for a second amount of money; a step of requesting an approval cancellation for the first amount of money and an approval for a third amount of money obtained by subtracting the second amount of money from the first amount of money to the card company server when payment identification information included in payment information of the second amount of money and payment identification information for the first amount of money are identical; and a step of receiving approval cancellation result information for payment of the first amount of money and approval result information for payment of the third amount of money to transmit the same to the payment terminal apparatus. According to an exemplary embodiment of the present invention, it is possible to reduce complexity and inconveniency for a member store by processing split payment.

Description

METHOD FOR PROCESSING DUTCH PAY TRANSACTION AND PAYMENT GATEWAY TERMINAL < RTI ID = 0.0 >

The present invention relates to a method of processing a partial payment at a payment relay server.

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 relay server for performing the method.

The divided payment processing method according to an embodiment of the present invention includes the steps of delivering an approval request for settlement of the first amount received from the settlement terminal device to the card company server, Receiving approval result information on settlement of the first amount from the credit card company server and delivering the approval result information to the settlement terminal; Receiving payment information of a second amount; If the settlement identification information included in the payment information of the second amount is the same as the payment identification information for the first amount, canceling authorization for payment of the first amount, and canceling the authorization of the first amount, Requesting the credit card company server to approve payment of the third amount; And receiving the approval cancellation result information for the settlement of the first amount and the approval result information for the settlement of the third amount from the card company server and delivering the approval result information to the settlement terminal apparatus.

The payment relay server according to an embodiment of the present invention transmits an approval request for settlement of the first amount received from the settlement terminal device to the card company server and transmits approval result information for payment of the first amount to the card company server To the payment terminal device; 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, Wherein the communication unit is configured to cancel the authorization for the payment of the first amount and to transmit the second amount from the first amount to the second amount when the approval cancellation for the payment of the first amount is determined Requesting the card company server for approval of payment of the deducted third amount, receiving approval cancel result information for payment of the first amount and approval result information for payment of the third amount from the card company server, To the payment terminal device.

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, in the payment terminal apparatus, after approving the entire amount, the payment relay server performs the approval cancellation and the reauthorization using the payment identification information to perform the division settlement, Thereby reducing procedural complexity or inconvenience.

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 relay server according to an embodiment of the present invention.
3 is a flowchart illustrating an example of a partial payment processing method performed in the payment relay server 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 will be described in detail with reference to the accompanying drawings, and a payment relay server for performing the division payment processing method.

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 includes a settlement terminal 100, a payment relay server 200, and a credit card company server 300 Lt; / RTI >

Referring to FIG. 1, when a credit card using a credit card is settled 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 the approval request message to the payment relay server 200.

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

For example, the billing terminal device 100 may be implemented in the form of a POS (point of sale) system in combination with the store sales system, or may be implemented in a payment relay server 200 And a CAT (Card Authorization Terminal) for communicating with the mobile terminal.

In FIG. 1, the payment relay server 200 is described as being a single server type for convenience, but the present invention is not limited thereto, and the payment relay server 200 may store The present invention can be implemented in two or more server groups for each component (or means), and the present invention is characterized in that it includes all the methods that can be inferred.

For example, the payment relay server 200 may be a server operated by a vane company, and the payment terminal 100 may be connected to the card issuer server 300 through the payment relay server 200 The transaction can be completed with the approval of the card payment.

The settlement terminal 100 and the payment relay server 200 of the company are connected to each other through a predetermined network (e.g., telephone Internet), and the settlement server 200 of the company and the credit card company The card issuer server 300 may be connected by a dedicated packet network.

The settlement relay server 200 transmits the approval request telegram to the card company server 300 and receives the approval result message from the card company server 300 that has approved the card payment.

For example, the payment relay server 200 reads out the credit card company information included in the user information in the approval request text for the card payment approval request, and transmits the data related to the transaction approval request to the credit card company server 300 of the credit card company send.

Upon receiving the data related to the transaction approval request, the card company server 300 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 own membership data or merchant data, Confirm whether the transaction between the card user and the merchant is valid.

On the other hand, the card issuer server 300 transmits the transaction approval result for the transaction approval request to the payment relay server 200 that has relayed the payment approval request, and the payment relay server 200 stores the approval number data To the payment terminal device 100 of the corresponding merchant.

The settlement relay server 200 transmits the approval result to the settlement terminal 100. The settlement terminal 100 that normally receives the approval result completely transmits an acknowledgment message to the settlement relay server 200 ).

On the other hand, the payment relay server 200 that normally receives the confirmation message from the payment terminal device 100 may transmit a completion message to the payment terminal device 100 to notify that the confirmation message has been normally received.

Thereafter, the settlement terminal device 100 that has normally received the completion message according to the above-described procedure can output the sales slip according to the payment 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 settlement using the payment means of the representative is approved in the payment terminal device 100 and the payment information of the other person is received by the payment relay server 200 within a predetermined period, The relay server 200 can cancel the approval for the representative payment and request the re-approval of the deducted amount so that the partial payment can be processed. Accordingly, the procedural complexity or inconvenience of the merchant .

Hereinafter, the configuration and operation of the settlement relay server 200 constituting the settlement system 10 according to the present invention will be described in more detail with reference to FIG. 2 and FIG.

FIG. 2 is a block diagram illustrating a configuration of a payment relay server according to an embodiment of the present invention. The payment relay server 200 shown in FIG. 2 includes a communication unit 210, a controller 220, .

2, the communication unit 210 of the payment relay server 200 transmits and receives data to and from the payment terminal apparatus 100 and the card issuer server 300 and receives a transaction approval request message from the payment terminal apparatus 100, for example, And transmits the received transaction approval request message to the card company server 300 to request approval of the transaction.

In addition, the communication unit 210 may receive the approval result of the transaction approval request from the card issuer server 300, and may transmit the received authorization result message to the payment terminal device 100.

The control unit 220 controls the overall operation of the payment relay server 200 and transmits payment identification information such as information on the transmission and reception through the communication unit 210, .

In order to perform the partial settlement processing according to an embodiment of the present invention, the communication unit 210 receives an approval request message for requesting approval of payment of the first amount from the settlement terminal apparatus 100, To the card issuer server (300).

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 210 receives the approval result information from the card issuer server 300 in response to the approval request text for payment of the first amount, and transmits the approval result text including the approval result information to the payment terminal apparatus 100 .

Here, the control unit 220 may extract the approval number for payment of the first amount from the approval result information received from the card issuer server 300, and store the authorization number in the database 230 as payment identification information.

Then, the communication unit 210 can receive the settlement information of the second amount, the settlement information of the second amount can be received from the credit card company server 300 or transmitted to another credit card company server different from the credit card company server 300, Or may be received from a server or a separate payment server.

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 .

Accordingly, the communication unit 210 can receive the settlement information of the second amount from the server that has processed the settlement of the second amount, according to the settlement means that the other person used for settlement of the second amount.

For example, when the second amount is paid through the account transfer, the communication unit 210 can receive payment information provided from the corresponding bank server.

In this case, the control unit 220 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 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, if the approval for cancellation of the first amount is determined by the control unit 220, the approval request for the payment of the third amount in which the second amount is subtracted from the first amount, An authorization cancellation request specialist may be created.

The approval request for the payment of the third amount and the approval cancellation request for the payment of the first amount are transmitted to the card company server 300 through the communication unit 210, Cancellation of authorization for settlement of the first amount may be requested.

Thereafter, the communication unit 210 receives from the card issuer server 300 the authorization cancellation result information for the settlement of the first amount and the approval result information for the settlement of the third amount, To the device (100).

FIG. 3 is a flowchart illustrating an example of a partial payment processing method performed by the payment relay server according to the present invention. The method shown in FIG. 3 is performed by a payment relay server according to an exemplary 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 210 of the payment relay server 200 receives from the payment terminal apparatus 100 an authorization request message requesting approval of payment of the first amount, and transmits the authorization request message to the card issuer server 300 (Step S300). In response to this, the approval result information on settlement of the first amount is received from the card company server 300 and transmitted to the settlement terminal device 100 (step S310).

Thereafter, the communication unit 210 receives the payment 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.

Meanwhile, in step S320, the settlement information of the second amount is received from the card company server 300, or provided from another card company, a bank server, and a separate payment server, which are different from the card company server 300 .

The payment information of the second amount received in step S320 may be transmitted to the payment terminal 100 through the communication unit 210. [

The controller 220 compares the payment identification information for the first amount with the payment identification information included in the payment information for the second amount to determine whether or not to cancel approval for payment of the first amount (operation S330).

Herein, the payment identification information for the first amount may be obtained from the payment terminal apparatus 100 or the payment relay server 200 (or the payment terminal apparatus 100) by using at least a part of the approval result information extracted or received from the approval result information received from the card issuer server 300 , And may include merchant information on which the payment terminal device 100 is disposed or an authorization 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, if the payment identification information for the first amount paid by the representative is included in the payment information for the second amount, and the payment relay server 200 receives 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 the payment information including the payment identification information identical to the payment identification information for the first amount is received after the settlement time 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 approval for payment of the first amount is canceled and the second amount is subtracted from the first amount And requests the credit card company server 300 to approve payment of a third amount of money (step S340).

Thereafter, the communication unit 210 receives from the card issuer server 300 the authorization cancellation result information for the settlement of the first amount and the approval result information for the settlement of the third amount, and transfers the information to the settlement terminal apparatus 100 (Step S350).

For example, in steps S340 and S350, the communication unit 210 requests approval of the approval of the first amount of money after the approval of the card company server 300 for payment of the third amount, The credit card company server 300 may request the credit card company server 300 to approve payment 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 220 only accepts the approval information in step S330 in the case where another payment information including payment identification information for the first amount is received within a predetermined period after the payment time for the first amount, You can decide whether to cancel.

More specifically, when payment information of the second amount is received within a predetermined time (for example, within 24 hours from the payment time of the first amount) from the payment time of the first amount, the control unit 220 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 220 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 payment to the payment relay server 200 for processing approval of the first payer card An approval request message for payment of the first amount is transmitted (step S402).

The payment relay server 200 transmits an approval request message for payment of the first amount to the credit card company server 300 in step S403 and the credit card company server 300 transmits the credit card payment request And transmits the approval result message including the approval number to the payment relay server 200 (step S404).

The payment relay server 200 transmits the approval result message received from the card issuer server 300 to the payment terminal device 100 (step S405). At this time, the payment information included in the approval result telegram may be stored in the payment terminal device 100 and may be registered and managed as sales information.

On the other hand, the payment relay server 200 extracts the approval number from the approval result telegram received from the card issuer server 300, and stores it as the payment identification information for identifying the payment of the first amount (S406).

Thereafter, when the second payment is processed by the payment server 400 to the payment means of the second payer (step S407), the payment server 400 transmits the payment information of the second amount To the payment relay server 200 (step S408).

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 payment server 400 may include the payment identification number for the first amount in the payment information of the second amount to be transmitted to the payment relay server 200. [

Meanwhile, the payment relay server 200 transmits the second amount payment information received from the payment server 400 to the payment terminal 100 (step S409). At this time, the payment terminal device 100 may store the second amount payment information received from the payment relay server 200 and register and manage it as divided payment revenue information for the first amount.

The payment relay server 200 receiving the payment information for the second amount of money confirms the payment identification information and the time included in the payment information (S410).

In step S410, the payment relay server 200 may decide whether to cancel the approval for the first amount and request approval again for the amount for which the second amount is subtracted for the divided payment processing .

If it is confirmed that the settlement of the second amount is a partial settlement for the first amount and that the settlement is made within the time of the partial settlement, the settlement relay server 200 transmits the settlement of the third amount (Step S411), and receives the authorization result telegram from the card issuer server 300 (step S412).

Thereafter, the payment relay server 200 transmits the authorization canceling request for the settlement of the first amount to the credit card company server 300 (step S413), and transmits the approval cancel result for the payment of the first amount to the credit card company server 300 (Step S414).

In step S415, the payment relay server 200 generates a message including the approval result information for the third amount and the approval cancellation result information for the first amount, and transmits the message to the payment terminal 100 (S415).

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 When the information that the second amount (5,000 won) has been settled to the same settlement identification number as the approval number 12345678 for the first payment amount (12345678) is received, the payment relay server 200 transmits the re- 15,000 won) can be canceled.

On the other hand, even if information indicating that the second amount has been paid with the same payment identification number as the approval number 12345678 for the first amount after the midnight of the payment is received, the payment relay server 200 transmits the payment information of the second amount And may not proceed with reauthorization and cancellation of authorization.

In this case, the payment relay server 200 transmits a partial settlement failure message indicating that there is an error in the settlement to the settlement server 400 that has transmitted the settlement information of the second amount, 400). ≪ / 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 information that the 5,000 won has been paid including the same approval number 12345678 is received again, the payment relay server 200 re-approves the amount deducted at midnight (5,000 won) 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.

5 and FIG. 6 may be registered and managed in the settlement terminal apparatus 100. [0050] FIG.

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 relay server 200 to receive the payment information by the division payer and identify the division 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 (13)

A method for processing a partial payment at a payment relay server,
Transmitting an approval request for payment of the first amount received from the payment terminal to the card company server;
Receiving approval result information on settlement of the first amount from the credit card company server and delivering the approval result information to the settlement terminal;
Receiving payment information of a second amount;
If the settlement identification information included in the payment information of the second amount is the same as the payment identification information for the first amount, canceling authorization for payment of the first amount, and canceling the authorization of the first amount, Requesting the credit card company server to approve payment of the third amount; And
Receiving the approval canceling result information for the payment of the first amount and the approval result information for the payment of the third amount from the credit card company server and transmitting the approval result information to the payment terminal device. 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
Wherein the payment information is extracted from the approval result information received from the card issuer server or generated at the payment terminal device or the payment relay server using at least a part of the approval result information. The method of claim 1, wherein the payment information of the second amount is
A bank server, and a separate payment server different from the card company 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 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 settlement relay server for processing a settlement settlement by communicating with a settlement terminal device and a credit card company server,
A communication unit for delivering an approval request for settlement of the first amount received from the settlement terminal apparatus to the card company server, receiving the approval result information for settlement of the first amount from the card company server, and transmitting the approval result information to the settlement terminal apparatus; 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, And a control unit,
The communication unit
If the cancellation of authorization for settlement of the first amount is determined, approval for canceling approval of settlement of the first amount and approval of settlement of the third amount after subtracting the second amount from the first amount, And receives the approval cancellation result information on the payment of the first amount and the approval result information on the payment of the third amount from the credit card company server and delivers the approval result information to the payment terminal device. The method of claim 9, wherein the payment identification information
Wherein the settlement relay server includes at least one of merchant information corresponding to the settlement terminal device and an approval number for payment of the first amount. 10. The apparatus of claim 9, 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. 10. The apparatus of claim 9, wherein the control unit
And decides whether or not to cancel the authorization for the payment of the first amount only when payment information of the second amount is received until a certain point of time after the payment of the first amount. 10. The apparatus according to claim 9, wherein the communication unit
A payment server for receiving the payment information of the second amount from any one of a card issuer server, a bank server, and a separate payment server different from the card company server.

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