KR20190096036A - method of processing Dutch payment for smart application - Google Patents

Abstract

The present invention relates to a technology with which people can split the bill quickly and easily by using a smartphone application, for example, an application installed in the smartphones of the people when finishing eating at stores such as cafes, restaurants, and bars or prepaying the price of a certain menu at a certain store. According to the present invention, it is advantageous in that, after using cafes, restaurants, bars, etc., many people can easily and quickly split the bill without having to exchange cash or individually pay at the store desk. Particularly, a store manager does not have to make a small payment to several people individually, but only once for the entire amount of money such that the efficiency of the store operation can be increased. In other words, according to the present invention, since the users do not have to wait in front of the store counter in order to split the bill, the space inside the store can be kept comfortable and employee′s time can be saved. In addition, people can also split the bill even when prepaying the price of a certain menu at a certain store. A method for processing splitting the bill comprises: a first step of allowing an operator terminal (100) to operate a smart application for splitting the bill; a second step of allowing the operator terminal (100) to identify at least one participant terminal (200); a third step of allowing a splitting the bill server (300) to determine sum for each participant terminal (200); a fourth step of allowing the splitting the bill server (300) to form a splitting the bill message; a fifth step of allowing the operator terminal (100) to transmit corresponding splitting the bill messages to the participant terminals (200); a sixth step of allowing each of the participant terminals (200) to split the bill based on the splitting the bill message; and a seventh step of allowing the splitting the bill server (300) to process splitting the bill to be completed.

Description

Dutch payment payment method using smart application {method of processing Dutch payment for smart application}

The present invention generally relates to a technology that enables multiple people to pay the total amount of Dutch Pay.

More specifically, the present invention provides the total amount of money to a smart application, such as a people's smartphone, after several people have finished eating at a store such as a cafe, restaurant, bar, or when a person wants to prepay the price of a particular menu at a particular store. It is about a technology that allows you to make a Dutch payment easily and quickly by using an installed app.

When a group of people gather to eat or drink, such as a club meeting or a dinner, it is common to pay a certain amount of money in the form of a fee. However, recently, even when friends gather together for a simple drink or a meal, the so-called Dutch pay method, which divides the total amount evenly or calculates the price of the food ordered by itself, is gradually becoming more common. have.

In general, the method of implementing Dutch Pay has been used to cash out each person on the spot, and to pay back one person's credit card after one person calculates by credit card. In recent years, a lot of people have been used to go to the store counter to check and calculate their own foods in order.

However, the existing Dutch pay method has some inconveniences.

First, the method of extracting cash on the fly is difficult to apply when some people have no cash. In addition, the way that one person pays with a credit card and returns it to others is not only cumbersome to announce the deposit account and transfer the amount of money, but also some people get tired of each other if they don't deposit money on time. have. Lastly, the method of self-calculation at the store counter takes a long time, the internal space of the store is disturbed, and the burden on the employees is unnecessarily increased.

In addition, since the Dutch pay method does not consider the case of prepayment, it is difficult to apply to the prepayment situation.

Accordingly, there is a need for an improved technology that can solve the problems or shortcomings of the prior art related to Dutch pay implementation.

SUMMARY OF THE INVENTION An object of the present invention is to provide a technology that allows multiple people to pay the total amount in general.

In particular, an object of the present invention is to individually install the total amount in a smart application, such as a people's smartphone, after several people have finished eating at a store such as a cafe, restaurant, bar, or when pre-paying the price of a particular menu of a particular store in advance. It is to provide a technology that allows you to make payments with Dutch Pay simply and quickly by using an existing app.

Dutch pay payment processing method using a smart application according to the present invention for achieving the above object, the first step of executing the smart application for payment by the operator terminal 100; A second step of identifying, by the executer terminal, at least one participant terminal 200 to perform the partial payment according to Dutch pay; A third step in which the Dutch pay payment server 300 determines the Dutch pay amount to be borne by the participant terminal by cooperating with the performer terminal; A fourth step of the Dutch payment server forming a partial payment message for inducing payment of the Dutch pay amount; A fifth step of the performer terminal transmitting a corresponding partial payment message to the participant terminal; A sixth step of the participant terminal separately performing the partial payment based on the partial payment message; And a seventh step in which the Dutch Pay payment server successfully processes the Dutch Pay payment when all the partial payments of the participant terminal are completed.

In this case, the Dutch pay payment processing method according to the present invention, the Dutch pay payment server 300 is a case in which the processing of the Dutch pay payment fails when the preset waiting time elapses while the partial payment of the participant terminal is not completed 8 steps; In the case where the Dutch pay payment is successfully processed, the Dutch pay payment server 300 cancels the existing payment details or accumulates points to the account of the executer terminal when the existing payment details of the total amount are confirmed by the executer terminal. It may be configured to include more.

At this time, in the present invention, the second step may include identifying, by the executor terminal 100, the first participant terminal 210 to perform a partial payment of the user among acquaintances registered in the smart application; Identifying, by the executor terminal, the second participant terminal 220 to perform the partial payment of the user from the list of mobile numbers recorded in the contact information; Identifying, by the performer terminal, the third participant terminal 230 to perform the partial payment in the vicinity through wireless communication; Identifying, by the performer terminal, the fourth participant terminal 240 to perform the partial payment in the vicinity through the location-based service; It may comprise one or more of.

In addition, in the third step of the present invention, the Dutch pay payment server 300 will each bear the amount of Dutch pay through the equal division of the total amount corresponding to the setting of the first divided payment option of the executor terminal 100. Determining; In response to the setting of the second divided payment option of the performer terminal, the Dutch pay payment server determines the amount of Dutch pay each participant terminal will bear through the limited division of some participant terminals for the partial menu and the equal division for the remaining menus among the total amount. Doing; Determining, by the Dutch pay server, a Dutch pay amount to be borne by the participant terminal through an individual amount setting in response to the third divided payment option setting of the performer terminal; Determining, by the Dutch pay server, the amount of Dutch pay each participant terminal bears by setting an individual participation rate in response to the fourth divided payment option setting of the performer terminal; Determining, by the Dutch payment server, a Dutch pay amount to be borne by the participant terminal through random division of the total amount corresponding to the fifth divided payment option setting of the performer terminal; In response to the sixth payment option setting of the performer terminal, the Dutch pay payment server internally determines the amount of Dutchpay that the participant terminal will bear according to the order of future payment processing through the non-uniform division of first-come reciprocal benefits. Doing; It may comprise one or more of.

In addition, the fourth step in the present invention, the Dutch pay payment server 300 to form a pop-up payment window for paying the Dutch pay amount and form a pop-up message of the smart application including a connection code to the pop-up payment window; Forming a pop-up payment window for paying the Dutch pay amount, and forming an SNS interworking message including a text code that is connected to a download installation instruction of the smart application and a link to the pop-up payment window; Can be.

In addition, the fifth step in the present invention, the step of the execution unit terminal for the first participant terminal 210 transmits the divided payment message as a pop-up message of the smart application; Transmitting the divided payment message as an SNS interworking message for the second participant terminal 220; Transmitting the divided payment message to the third participant terminal 230 as a pop-up message of the smart application; Transmitting a partial payment message to a fourth participant terminal 240 as a pop-up message of a smart application; It may comprise one or more of.

In addition, the sixth step in the present invention, as the participant terminal 200 identifies the click input for the pop-up message of the smart application to move to the pop-up payment window of the smart application linked to perform the partial payment; In response to the participant terminal identifying a click input to the SNS interworking message, performing a split payment by moving to a pop-up payment window of the smart application linked to the SNS interworking message after downloading and installing the smart application in association with this; It may comprise one or more of.

On the other hand, the computer-readable nonvolatile recording medium according to the present invention is a computer program for executing the DutchPay payment processing method using the smart application as described above.

According to the present invention, after using a cafe, a restaurant, a bar, and the like, several people can easily and quickly settle the Dutch pay without having to pay cash or make payments individually at a store desk.

Particularly, according to the present invention, the store operator does not need to make small payments for several people individually, but only once for the entire amount, thereby improving the efficiency of the store operation. That is, according to the present invention, since several people do not have to wait for the order in front of the store counter, the interior space of the store can be kept comfortable and there is an advantage of saving employees' time.

In addition, according to the present invention there is an advantage that Dutch pay can be applied to a situation in which a prepaid price of a specific menu of a specific store is prepaid.

1 is a view showing the entire system for implementing the Dutch pay payment processing according to the present invention.
Figure 2 is a block diagram showing the internal functional configuration of the Dutch Pay payment server for implementing the present invention.
3 is a flowchart showing the overall process of the Dutch Pay payment processing method according to the present invention.
4 is a flowchart illustrating an embodiment in which an executer terminal identifies a participant terminal in the Dutch Pay payment processing method according to the present invention.
5 is a flowchart illustrating an embodiment in which the Dutch pay server determines the Dutch pay amount in the Dutch pay payment method according to the present invention.
6 is a flowchart showing an embodiment of forming a partial payment message in the Dutch Pay payment processing method according to the present invention.
7 is a flowchart illustrating an embodiment in which an executioner terminal transmits a partial payment message in the Dutch Pay payment processing method according to the present invention.
8 is a flowchart illustrating an embodiment in which a participant terminal performs a partial payment in the Dutch Pay payment processing method according to the present invention.

Hereinafter, with reference to the drawings will be described in detail the present invention.

1 is a view showing the entire system for implementing the Dutch pay payment process according to the present invention.

1 illustrates a situation in which five people try to Dutch Dutch using the present invention after eating at a restaurant, for example. In the present specification, for convenience of description, the terminal possessed by the person who proceeds with the Dutch pay is called the performer terminal 100 and the terminal possessed by the others is called the participant terminals 210 to 240: 200. The executor terminal 100 is equipped with a smart application implementing the Dutch pay technology according to the present invention. On the other hand, it is convenient if such a smart application is installed in the participant terminal 200, but Dutch Pay is not impossible even if it is not.

The executor terminal 100 and the participant terminal 200 are connected to the Dutch Pay payment server 300 through the Internet. The Internet may be implemented in various ways, including wired and wireless networks and mobile communication networks.

In the present invention, it is preferable that the executor terminal 100 and the participant terminal 200 are mobile terminals (eg, smartphones, laptop computers, wearable devices, tablet PCs) that are owned by each other, but fixed terminals (eg, used by many people in common) It may be implemented as a digital signage in a restaurant. The executor terminal 100 provides the user with a menu screen for proceeding with the Dutch Pay payment through the smart application, and the participant terminal 200 checks the amount to be shared (ie the Dutch Pay amount) and processes the payment. Provides a screen for the user.

The Dutch pay server 300 is a device that performs various processes necessary for the Dutch pay payment process according to the present invention in close interworking with the executor terminal 100. The internal functional configuration of the Dutch Pay payment server 300 will be described later with reference to [FIG. 2], and the operational process performed by the Dutch Pay payment server 300 will be described later with reference to [FIGS. 3] to [FIG. 8]. .

2 is a block diagram showing the internal functional configuration of the Dutch Pay payment server 300 for implementing the present invention. The Dutch Pay payment server 300 performs the cooperative operation with the executor terminal 100 and the participant terminal 200, so that the Dutch Pay payment for a specific total amount in response to a user operation performed in the smart application of the executor terminal 100 is performed. To be implemented. On the other hand, the arrangement of the functional configuration and the flow of information shown in FIG. 2 is only an example, and various modifications may be implemented without being limited thereto. For example, some of the functional configurations shown in FIG. 2 may be implemented in the performer terminal 100 or the participant terminal 300.

First, when the Dutch pay request processor 310 notifies the performer terminal 100 to execute Dutch pay payment with one or more participants' terminals 200, the Dutch pay request processor 310 receives the Dutch pay payment request and responds to an appropriate message for internal processing. It delivers to each function module 320, 330, 340 to perform the interface so that the Dutch Pay payment request is processed. In general, the Dutch pay request processing unit 310 is responsible for the request and response through the Internet from the Dutch pay payment server 300.

The payment menu configuration unit 320 is a component that configures a menu screen for payment of the Dutch payer on the executor terminal 100 and analyzes and processes the contents when the user applies an operation thereon. The payment menu configuration unit 320 includes a menu for inputting the total amount, inquiry and selection of the participant terminal 200, selection of a partial payment option, and inquiry of Dutch pay results.

The participant manager 330 inquires a list of mobile numbers stored in a member list of a smart application registered as a friend in the executor terminal 100 or a contact (phone book) of the executor terminal 100, and among these, Dutch Pay payment Participant terminal 200 to participate in is identified by user operation. The function performed by the participant manager 330 in the Dutch pay server 300 will be described in more detail later with reference to FIG. 4.

The divided payment setting unit 340 is a Dutch that the participant terminal 200 must share and pay for the total amount corresponding to the setting value input by the performer in the Dutch pay amount setting menu provided in the smart application of the executor terminal 100. Determine the pay amount. A function performed by the division payment setting unit 340 in the Dutch payment server 300 will be described below in more detail with reference to FIG. 5.

The divided payment message module 350 forms a divided payment message for inducing Dutch Pay payment determined by the divided payment setting unit 340 for each participant terminal 200, and sends the divided payment message to the corresponding participant terminal 200. send. The split payment message consists of a pop-up message or SNS interworking message of a smart application for moving the participant terminal 200 to the pop-up payment window that allows the user to actually pay the amount of Dutch Pay with a credit card, easy payment, and reserve. The function performed by the split payment message module 350 in the Dutch pay server 300 will be described in more detail later with reference to FIGS. 6 and 7.

The divided payment processing module 360 processes the actual payment for the Dutch pay amount in response to the operation on the pop-up payment window in the participant terminal 200. Split payment processing module 360 may be connected to an external payment agency (PG) to perform payment for each DutchPay amount by card payment, mobile phone payment, etc., or internally pay the DutchPay amount by reserves, etc. You may.

If the partial payment is successfully completed, after generating payment completion information, including the actual payment amount, and displayed on the participant terminal 200 through the payment menu configuration unit 320 and informs the implementer terminal (100).

The timer module 370 manages a threshold waiting time for determining the success or failure of the Dutch Pay payment in order to prevent the partial payment for the participant terminal 200 from being left unprocessed for a long time due to any problem. When the divided payment message module 350 transmits the divided payment message for payment of the touchpay amount to the participant terminal 200, the timer module 370 starts an operation and a time when a predetermined time (for example, 5 minutes) elapses. Raise an out event.

The Dutch pay management module 380 manages whether the payment of the touch pay amount in the participant terminal 200 is normally performed and whether the Dutch pay payment is normally completed according to the request of the executor.

If all the partial payments are processed normally before the timeout occurs in the timer module 370 after transmitting the partial payment messages to all participant terminals 200, the Dutch pay payment is successful. When the Dutch pay payment is successful, the operator pays the successful payment to the payer terminal 100 and the participant terminal 200, and if the existing payment details for the total amount are confirmed by the performer terminal 100, the payer executes the terminal. Cancel the existing payment history of (100) or according to the implementation example points earned to the account of the executor terminal (100).

On the contrary, if the timeout occurs in the timer module 370 while the participant terminal 200 in which split payment is not normally processed, the Dutch pay payment has failed. When the Dutch pay payment fails, the payer payment failure is notified to the executor terminal 100 and the participant terminal 200, and the payment cancellation processing is performed on the participant terminal 200 which has succeeded in the partial payment.

The data manager 390 is a component that collects, stores and manages information related to Dutch pay. The data manager 390 may generally be configured as a database, but is not limited to the database. The data manager 390 includes a payment unit information manager 391, a divided payment information manager 392, a member information storage 393, and a store information storage 394.

The payment unit information management unit 391 is a configuration for managing the Dutch pay payment history made by a plurality of users. At this time, the total payment amount, the partial payment option, the identification information of the implementer, the identification information of the participant, each Dutch pay amount is combined to configure the payment unit for one Dutch pay payment. The payment unit information management unit 391 manages these payment units.

The divisional payment information management unit 392 manages information regarding how the Dutch Pay payment is divided in detail and the payment is made.

The member information storage unit 393 manages the information of the members who have subscribed to the smart application for the touchpay payment according to the present invention. To determine what type of split payment message to send to the participant terminal 200, it is necessary to know whether the participant terminal 200 is a member.

Store information storage unit 394 manages the information of the store subscribed to the touchpay payment service according to the present invention.

3 is a flowchart showing the overall process of the Dutch Pay payment processing method according to the present invention. Dutch payment settlement method according to the present invention is a technology that allows a number of people have finished the meal in a cafe, restaurant, pub, etc. or payment through the smart application in a prepaid situation.

Step S100: First, the executor terminal 100 executes a smart application for Dutch Pay payment. In the executor terminal 100, a dedicated program for processing the Dutch Pay payment according to the present invention, for example, an app is installed. In step S100, the program is executed.

In the present invention, the execution time of step S100 may be divided into three types, such as before payment, after payment, and after using a prepaid payment.

First, before payment refers to the situation before the payer has finished the meal and has yet to pay, or in the prepaid scenario, the payer has not yet made a payment because the implementer is selecting a menu to purchase. Either pay with Dutch Pay for meals with other participants, or choose a menu that you want to purchase with other participants and pay with Dutch Pay.

Secondly, after payment, the implementer divides all or part of other participants after the payment has already been made.

Third, after use, the operator selects the menu and pays for the total amount, and after completing the prepayment, the other participants pay all or part of the amount after actually ordering and using the prepayment details. Tell the situation to share.

The present invention is applicable to all three of these cases.

Step S200: Next, the performer terminal 100 identifies one or more participants who will share the total amount with the performers, that is, one or more participant terminals 200 to perform the partial payment according to Dutch Pay. Participation in the Dutch pay is a process that enables the executor terminal 100 to identify the participant terminal 200 to perform payment processing in a state where negotiation is already made. In FIG. 1, four participant terminals 200 are identified and participate in Dutch pay.

In this case, identification of the participant terminal 200 may be variously implemented.

For example, a list of members of a smart application obtained by linking with a mobile phone number stored as a contact (phone book) in the executor terminal 100 is displayed on the screen of the participant terminal 200, and the participant terminal 200 is displayed here. You can choose. In addition, it is also possible to select the participant terminal 200 from the list of cell phone numbers recorded as contacts in the executor terminal 100.

In addition, the executor terminal 100 may search for a terminal device that is a member of a smart application that exists around the user through wireless communication such as Bluetooth, and select a participant terminal 200 to perform Dutch Pay together therefrom. In addition, by using the location-based service, the executor terminal 100 may search for a terminal device that is a member of a smart application in its vicinity and select a participant terminal 200 to perform Dutch Pay together therefrom.

Step (S300): Next, the executor terminal 100 and the Dutch pay payment server 300 cooperate to determine an amount to be paid by the participant terminal 200, ie, the Dutch pay amount, from the total amount. This process may be performed by the executor terminal 100 alone, but it is preferable that the Dutch pay server 300 actively intervenes to support various methods.

In this case, a method of determining the Dutch pay amount of the participant terminal 200 by dividing the total amount may be variously implemented.

First, a method of equally dividing the total amount by the fixed number of the total number of participants terminal 200, a so-called (1 / N) method is possible.

In addition, among the total amount consisting of several menus, the amount due to some menus are divided into only participant terminals (eg, 210 and 220), and the amount due to the remaining menus is fixed ratio of the total number of participant terminals 200. It is also possible to divide evenly.

In addition, it is also possible to set the amount or ratio of Dutch pay amount individually for the participant terminal (200). This approach is generally appropriate when a particular participant is heavily burdened.

In addition, it is also possible to randomly divide the total amount of money for the participant terminal 200 in a random manner.

In addition, as a first-come-first-served auction method for the participant terminal 200, the Dutch pay amount is set internally first-come-first-served differentially, and the participant terminal 200 that completes its own payment is configured to pay a relatively small amount. It is also possible. In this case, the amount paid by the participant terminal 200 is actually determined by performing a partial payment.

In the above-described manner, if there is a remaining amount after allocating the participant terminal 200 in the total amount, the executor terminal 100 may be configured to bear or may be configured to bear the specific participant terminal 200.

In addition, in the case of Dutch Pay before payment in the prepayment method, the participant terminal 200 selects a desired menu for purchase in the step after the search of the participant terminal 200 and transmits it to the performer terminal 100, and the transmitted menu. In this case, the executor terminal 100 may select the payment menu to determine the total payment amount.

Step S400: Then, the Dutch Pay payment server 300 forms a message, that is, a partial payment message, which induces the participant terminal 200 to pay their own Dutch Pay amount. Due to the nature of the present invention, the partial payment message is written for each participant terminal 200 separately.

For example, the partial payment message may be implemented in various ways. If the participant terminal 200 is identified as a member of the smart application, the format of the pop-up message of the smart application is appropriate. However, when the participant terminal 200 is not a member of the smart application, an SNS interworking message such as a text message, a KakaoTalk, a line, or a message format is suitable.

Step S500: Then, the implementer terminal 100 transmits a corresponding partial payment message to the participant terminal 200. As described above, in the case of a member of a smart application, a pop-up message is transmitted. In the case of a non-member, an SNS interworking message is transmitted.

At this time, if the partial payment message transmission to the participant terminal 200 fails to go to step (S200) described above.

Step S600: The participant terminal 200 individually performs the partial payment based on the partial payment message. First, when the pop-up message of the smart application is received, the user moves to the payment window of the smart application in response to the user's click operation and pays his / her Dutch pay amount. On the contrary, when receiving the SNS interworking message, the smart application is downloaded and installed in response to the user's click operation, and the user pays the Dutch pay amount by moving to the payment window of the smart application.

Step S700: The Dutch pay payment server 300 fails to process the Dutch pay payment when a preset waiting time elapses while all the partial payments of the participant terminal 200 are not completed. This is a situation in which some of the participant terminals 200 can continue the Dutch Pay payment as set previously because the payment process was not properly made.

Under normal circumstances, if the split payment message is transmitted, the split payment may be made in all participant terminals 200 in a relatively short time (for example, 5 minutes). Even if the user waited for a sufficient time, at least some participant terminals 200 did not complete the partial payment for the Dutch pay amount, something is wrong. In the case of DutchPay payment before payment, about 5 minutes is appropriate. In the case of payment after payment or after use, it may be held for 1 hour or 1 day. When the payment of the Dutch payment is unsuccessful, the Dutch payment server 300 cancels the previous payment details for the participant terminal 200 for which the partial payment is completed.

Step S800: On the contrary, when the partial payment for the Dutch pay amount is completed in all the participants' terminals 200 within a sufficiently fast time, the Dutch pay payment server 300 successfully processes the Dutch pay payment. In this case, the Dutch Pay payment using the smart application was successful.

Step S900: When the Dutch pay payment is successfully processed, when the Dutch pay payment server 300 checks the existing payment details of the total amount by the executer terminal 100, the payer terminal 100 It is preferable to cancel the existing payment history of), and according to the implementation example, it may be implemented to perform point accumulation to the account of the executor terminal 100.

FIG. 4 is a flowchart illustrating an embodiment in which the execution terminal 100 identifies a participant terminal 200 to perform a partial payment according to Dutch pay for the total amount in the Dutch pay payment processing method according to the present invention. The process of FIG. 4 corresponds to step S200 in the overall process of FIG.

Step S210: First, the performer terminal 100 identifies the participant terminal 200 to perform the divided payment according to the selection operation of the performer among acquaintances registered in the smart application. That is, the process of finding and clicking an item corresponding to an acquaintance who participates in Dutch Pay among members of the smart application. In the present specification, this is referred to as a 'first participant terminal' for convenience. In FIG. 1, it is assumed that the participant terminal 210 is identified in step S210.

Step S220: On the other hand, the executor terminal 100 identifies the participant terminal 200 to perform the partial payment according to the selection operation of the executor from the list of cell phone numbers recorded in the contact information (phone book). That is, a process of searching for and clicking an item corresponding to a person who is not a member of the smart application among contacts who have decided to participate in Dutch Pay from the contact of the executor terminal 100. In the present specification, this is referred to as a 'second participant terminal' for convenience. In FIG. 1, it is assumed that the participant terminal 220 is identified in step S220.

Step S230: On the other hand, the executor terminal 100 searches for a terminal device that is a member of a smart application present in the vicinity of the user through wireless communication such as Bluetooth or NFC, and performs a partial payment according to the selection operation of the executor. Identifies the participant terminal 200 to perform. For example, it is the process of finding the participant's smartphone in front of you by Bluetooth. In the present specification, this is referred to as a 'third participant terminal' for convenience. In FIG. 1, it is assumed that the participant terminal 230 is identified in step S230.

Step S240: On the other hand, the executor terminal 100 searches for a terminal device that is a member of a smart application present in the vicinity of the user through a location-based service (eg, GPS), and among the divided payments according to a selection operation of the executor. Identifies the participant terminal 200 to perform. For example, a smart application corresponds to a process of finding a participant's smartphone directly in front of a member location search function. In the present specification, this is referred to as a 'fourth participant terminal' for convenience. In FIG. 1, it is assumed that the participant terminal 240 is identified in step S240.

5 is a flowchart illustrating an embodiment in which the Dutch pay server 300 determines the amount of Dutch pay the participant terminal 200 bears in the Dutch pay payment method according to the present invention. The process of FIG. 5 corresponds to step S300 in the overall process of FIG.

Step S310: First, when the first divided payment option is set by the executor in the Dutch pay amount setting menu provided in the smart application of the executor terminal 100, the Dutch pay server 300 transfers the total amount to the participant terminal 200. By equally dividing the total number of people by a fixed ratio (1 / N division), the participant terminal 200 may determine the amount of Dutch pay each to bear.

Step S320: On the other hand, when the second divided payment option is set by the executor in the Dutch pay amount setting menu provided in the smart application of the executor terminal 100, the Dutch pay payment server 300 is selected from the total amount consisting of several menus. The amount due to some menus is divided into only participant terminals (eg, 210 and 220), and the amount due to the remaining menus is equally divided by the fixed number of participants throughout the participant terminal 200 (1 / N split). By doing so, the participant terminal 200 may determine the amount of Dutch pay each bear.

Step S330: On the other hand, when the third divided payment option is set by the executor in the Dutch pay amount setting menu provided in the smart application of the executor terminal 100, the Dutch pay payment server 300 is configured for the participant terminal 200. By setting the amount of Dutch pay separately, the participant terminal 200 determines the amount of Dutch pay each to bear. This approach is generally appropriate when a particular participant pays particularly high or particularly little.

Step S340: On the other hand, when the fourth divided payment option is set by the executor in the Dutch pay amount setting menu provided in the smart application of the executor terminal 100, the Dutch pay server 300 with respect to the participant terminal 200. By setting the Dutch pay participation rate individually, the participant terminal 200 determines the amount of Dutch pay each to bear. This approach is generally appropriate when a particular participant pays particularly high or particularly little.

Step S350: On the other hand, when the fifth divided payment option is set by the executor in the Dutch pay amount setting menu provided in the smart application of the executor terminal 100, the Dutch pay server 300 randomly randomizes the total amount. By dividing into the participant terminal 200 determines the amount of Dutch pay each to bear. This is generally the case when you want to add some interesting elements to Dutch pay participants.

Step S360: On the other hand, when the sixth payment option is set by the executor in the Dutch pay amount setting menu provided in the smart application of the executor terminal 100, the Dutch pay settlement server 300 is the first benefit of the first benefit for the entire amount. Through the heterogeneous division, the participant terminal 200 internally determines the amount of Dutch pay to be borne according to the order of the future partial payment processing. For example, the Dutch pay amount is set internally in advance on a first-come, first-served basis, so that the participant terminal 200 that completes its own payment first is configured to pay a relatively small amount.

In this case, when the payment amount of the Dutch pay is not determined in advance for the participant terminal 200, the split payment message is transmitted, and the participant terminal 200 proceeds with the respective partial payments. The amount can be configured to be determined.

FIG. 6 is a flowchart illustrating an embodiment in which the Dutch Pay payment server 300 forms a split payment message for inducing Dutch Pay payment for a participant terminal 200 in the Dutch pay payment method according to the present invention. The process of FIG. 6 corresponds to step S400 in the overall process of FIG. 3.

Step (S410): First, the Dutch pay payment server 300 forms a popup payment window allowing the payment of the Dutch pay amount. In general, in an online environment, payments can be made using credit cards, easy payments, reserves, etc. The pop-up payment window selects one of these payment methods to form a program code that allows the user to actually pay the Dutch pay amount.

Step S420: Then, when the participant terminal 200 is a member of the smart application, the Dutch pay payment server 300 forms a pop-up message of the smart application including a connection code to the pop-up payment window.

Step (S430): On the other hand, if the participant terminal 200 is not a member of the smart application Dutch Pay payment server 300 is SNS interworking includes a text code connected to the link to the download installation command and pop-up payment window of the smart application Form a message.

FIG. 7 is a flowchart illustrating an exemplary embodiment in which the executer terminal 100 transmits a partial payment message corresponding to the participant terminal 200 in the Dutch pay payment processing method according to the present invention. The process of FIG. 7 corresponds to step S500 in the overall process of FIG.

Step (S510): First, for the first participant terminal 210 selected from the members of the smart application, the executor terminal 100 transmits the divided payment message formed through the process of FIG. 6 as a pop-up message of the smart application. do. Since both the executor terminal 100 and the first participant terminal 210 are members of the smart application, the pop-up message is most efficient.

Step S520: On the other hand, for the second participant terminal 220 selected from the list of mobile numbers recorded in the contact information (phone book), the executor terminal 100 sends the divided payment message to the SNS interworking message, for example, a text message, KakaoTalk. , Transfer to a line, etc. Since the second participant terminal 200 is not a member of the smart application, it cannot use a pop-up message and utilizes a relatively inefficient but universal SNS interworking message.

Step S530: Meanwhile, the executor terminal 100 transmits the divided payment message as a pop-up message of the smart application to the third participant terminal 230 found in the vicinity of the user through wireless communication such as Bluetooth or NFC. Since both the executor terminal 100 and the third participant terminal 230 are members of the smart application, the pop-up message is most efficient.

Step S540: On the other hand, for the fourth participant terminal 240 found around the user through a location-based service (eg, GPS), the executor terminal 100 transmits the partial payment message as a pop-up message of the smart application. . Similarly, since both the executor terminal 100 and the fourth participant terminal 240 are members of the smart application, the pop-up message is most efficient.

8 is a flowchart illustrating an embodiment in which a participant terminal 200 performs a partial payment for a Dutch pay amount individually assigned to the Dutch pay payment method according to the present invention. The process of FIG. 8 corresponds to step S600 in the overall process of FIG. 3.

Step S610: First, when the participant terminal 200 receives the pop-up message of the smart application in response to steps S510, S530, and S540, the participant terminal 200 identifies the user's click input on the pop-up message and interworks with it. Go to the pop-up payment window of the smart application, and performs a partial payment for the Dutch Pay amount through a credit card, easy payment, reserves in the pop-up payment window.

Step S620: In addition, when the participant terminal 200 receives the SNS interworking message in response to the step S520, the smart application is first linked with the user's click input on the corresponding SNS interworking message. After downloading and installing, go to the pop-up payment window of the smart application linked to the SNS interworking message and perform a partial payment for the Dutch pay amount.

Meanwhile, the present invention may be embodied in the form of computer readable codes on a computer readable nonvolatile recording medium. Such nonvolatile recording media include all types of storage devices that store computer readable data, such as hard disks, SSDs, CD-ROMs, NAS, magnetic tapes, web disks, cloud disks, etc. The code may be implemented in a form in which the code is distributed and stored in a storage device.

100: performer terminal
200, 210, 220, 230, 240: participants terminal
300: Dutch Pay Payment Server
310: Dutch pay request processing unit
320: payment menu component
330: participant management
340: Split payment setting unit
350: installment payment message module
360: Split Payment Processing Module
370: Timer Module
380: Dutch Pay Management Module
390: data management unit
391: Payment unit information management
392: Division Payment Information Management Department
393: Member Information Storage
394: store information storage unit

Claims (7)

A first step in which the execution terminal 100 executes a smart application for Dutch Pay payment;
A second step of identifying, by the executor terminal 100, at least one participant terminal 200 to perform a partial payment according to Dutch pay;
A third step in which the Dutchpay payment server 300 determines the Dutchpay amount to be borne by the participant terminal 200 in cooperation with the executor terminal 100;
A fourth step of the Dutch payment server 300 forming a partial payment message for inducing payment of the Dutch pay amount;
A fifth step of the performer terminal 100 transmitting a split payment message corresponding to the participant terminal 200;
A sixth step of the participant terminal 200 separately performing a partial payment based on the partial payment message;
A seventh step in which the Dutch Pay payment server 300 successfully processes the Dutch Pay payment when all the partial payments of the participant terminal 200 are completed;
DutchPay payment processing method using a smart application comprising a.
The method according to claim 1,
After the sixth step,
An eighth step of the Dutch pay server 300 failing to process the Dutch pay when a preset waiting time elapses when all the partial payments of the participant terminal 200 are not completed;
Dutch Pay payment processing method using a smart application, characterized in that the configuration further comprises.
The method according to claim 2,
The second step,
Identifying, by the executor terminal (100), a first participant terminal (210) for performing a partial payment of a user among acquaintances registered in the smart application;
Identifying, by the executor terminal (100), a second participant terminal (220) for performing a partial payment of a user from a list of cellular phone numbers recorded in a contact;
Identifying, by the performer terminal (100), a third participant terminal (230) to perform partial payments in the vicinity through wireless communication;
Identifying, by the performer terminal (100), a fourth participant terminal (240) to perform a partial payment in the vicinity through a location-based service;
Including at least one of
The fourth step,
Forming a pop-up message of a smart application including a connection code to the pop-up payment window and forming a pop-up payment window for the Dutch pay payment server 300 to pay the amount of Dutch pay;
Forming a pop-up payment window in which the Dutch pay payment server 300 pays the Dutch pay amount, and forming an SNS interworking message including a download installation command of a smart application and a text code connected to a link to the pop-up payment window;
Including at least one of
The fifth step,
Transmitting, by the performer terminal (100), the split payment message to the first participant terminal (210) as a pop-up message of a smart application;
Transmitting, by the performer terminal, the SNS interworking message to the second participant terminal;
Transmitting, by the performer terminal (100), the split payment message to the third participant terminal (230) as a pop-up message of a smart application;
Transmitting, by the performer terminal (100), the split payment message to the fourth participant terminal (240) as a pop-up message of a smart application;
DutchPay payment processing method using a smart application, characterized in that it comprises one or more of.
The method according to claim 3,
The third step,
Determining, by the Dutch pay server 300, the Dutch pay amount to be borne by the participant terminal 200 through equal division of the total amount corresponding to the first divided payment option setting of the executor terminal 100;
In response to the second divided payment option setting of the executor terminal 100, the Dutch pay payment server 300 performs a limited division of the participant terminal 200 for some menu items and an equal division for the remaining menus. Determining, by the participant terminal 200, the amount of Dutch pay each to bear;
Determining, by the Dutch payment server 300, the Dutch pay amount to be borne by the participant terminal 200 in response to the third divided payment option setting of the executor terminal 100;
Determining, by the Dutch pay server 300, the Dutch pay amount to be borne by the participant terminal 200 by setting an individual participation ratio in response to the fourth divided payment option setting of the executor terminal 100;
In response to the fifth payment option set by the executor terminal 100, the Dutch payment server 300 determines a Dutch pay amount to be borne by the participant terminal 200 through random division of the total amount. ;
In response to the setting of the sixth payment option of the executor terminal 100, the Dutch pay payment server 300 performs the partial payment processing order of the participant terminal 200 through the non-uniform division of the first benefit for the total amount. Internally determining the amount of Dutch pay to be charged according to;
DutchPay payment processing method using a smart application, characterized in that it comprises one or more of.
The method according to claim 4,
The sixth step,
As the participant terminal 200 identifies a click input for the pop-up message of the smart application, moving to the pop-up payment window of the smart application linked thereto and performing a partial payment;
As the participant terminal 200 identifies a click input for the SNS interworking message, the participant terminal 200 performs a partial payment by moving to a pop-up payment window of the smart application linked to the SNS interworking message after downloading and installing the smart application. ;
DutchPay payment processing method using a smart application, characterized in that it comprises one or more of.
The method according to claim 5,
Performed after the seventh step,
In the case where the Dutch pay payment is successfully processed, the Dutch pay payment server 300 cancels the existing payment details or checks the existing payment details when the existing payment details for the total amount are confirmed by the execution terminal 100. Ninth step of earning points to the account of;
Dutch Pay payment processing method using a smart application, characterized in that the configuration further comprises.
A non-transitory computer-readable recording medium storing a program for executing the Dutch Pay payment processing method using a smart application according to any one of claims 1 to 6.

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