KR20190136354A - System and Method for Offline Payment using Point - Google Patents

Abstract

The present invention relates to a point direct payment system, which comprises: a data storage unit for storing employee information for each company, employee point information and member store information; a payment code issuing unit for performing security authentication for a corresponding employee when a payment code for point payment is requested by an employee terminal through an application, generating and issuing the payment code to the employee terminal which is security-authenticated, and storing payment code issuing information in the data storage unit; and a payment processing unit for determining whether an employee who receives the payment code can perform offline payment with points in a corresponding member store, by inquiring the data storage unit as a request for the offline payment using the points is requested by a member store terminal with the payment code, and processing the offline payment with the points of the corresponding employee as a result of determination.

Description

Point and direct payment system and method {System and Method for Offline Payment using Point}

The present invention relates to a cost processing system and method used by a welfare beneficiary of a public social welfare policy, such as employees, government agencies, local governments, etc. in a company or institution, and more particularly, to a system and method for processing payments by focusing the welfare budget will be.

In the selective benefit system, the company pays points to the employee, and the employee uses the points paid from the company according to the standard of the welfare benefit system. In other words, employees can use the welfare card designated by the company at the store corresponding to the welfare allowance category, purchase necessary products using points on the online welfare site, or use welfare services. For example, when an employee purchases a product using a welfare card at a store corresponding to a welfare allowance category, the store receives card approval information from the welfare card company that issued the welfare card and processes the card payment of the employee. After that, the employee accesses the selective welfare system that provides welfare services, deducts welfare points from the card usage details that fit the welfare item, and applies for the exclusion of claims from the welfare card company or selects the details that he / she wants to refund in cash. Accordingly, the employee excludes the amount corresponding to the selected details from the personal credit card bill of the welfare card company or receives a refund from the company.

However, in the above-described online welfare management system using the welfare card and its operation method, when an employee uses points in an offline store, the employee needs to prepay with a welfare card and then access and apply for a welfare management system in the future. There was discomfort. In addition, it is possible to plan the purchase of points only by knowing whether or not the welfare item of the purchase item is allowed or the remaining points. However, when using the welfare card, the remaining point is recognized as an expected value only by prepaying and subtracting points later. Therefore, if you are mistaken for the welfare allowable purchase item or the remaining point estimate, a situation may arise where the user inadvertently pays for the purchase cost.

In addition to the welfare costs, there are various types of costs incurred by employees. For example, it may be night reception, travel expenses, or entertainment expenses incurred in sales activities.In general, in order to deal with such expenses, a company issues a corporate card to employees according to their ranks, or processes receipts later. Is made of. This is a problem that labor costs are incurred because the employees of the accounting department have to check the expense occurrence history and organize the data. In addition, it is not cumbersome because employees submit receipts one by one and employees in the accounting department must transfer the receipted amount to the employee's account. In addition, there is a problem that can not be confirmed even if the money to be used for night meals, travel expenses or business activities are used as private expenses.

The present invention provides a point direct payment system that enables real-time point payment without the need for employees to purchase goods or services at offline merchants in order to use the welfare points provided by the company, and then access and apply to the point management system separately. Provide a method.

The present invention provides a point-direct payment system and method that can eliminate the need for separate approval or receipt processing for various types of expenses incurred by employees in a company.

The present invention is a point-direct payment system, a data storage unit for storing the employee information, employee point information and affiliated store information for each company, and as a payment code for the point payment from the employee terminal through the application is requested, for the employee Performs security authentication, generates and issues a payment code to a securely authenticated employee terminal, and issues a payment code issuer that stores payment code issuance information in a data storage unit, and an offline payment request using points together with a payment code from a merchant terminal. As a result, the data storage unit is queried to determine whether an employee who has issued a payment code is able to make an offline payment with a point at the affiliated store, and includes a payment processing unit that processes the offline payment with the employee's points according to the determination result.

The present invention is a point direct payment method, as a payment code for payment of points from the employee terminal through the application is requested, performing a security certification for the employee, and generating and issuing a payment code to the security certified employee terminal And, as offline payment is requested using the points together with the payment code from the merchant terminal, the employee who issued the payment code determines whether the offline payment is possible with the points at the affiliated store, and according to the determination result, the offline payment is processed by the employee's points. Steps.

The present invention can eliminate the inconvenience of having to apply for and approve the employee's access to the welfare management system in the future, when the employee pays at the offline merchant.

In addition, the present invention has the advantage that the employee can check the total balance of welfare points available offline and can make a purchase plan or purchase.

In addition, the present invention provides the convenience of use and management convenience to employees by presenting collectively through the point direct payment welfare points, business budget and dinner meal that had to be presented and used, even if the use is the same.

In addition, credit card fees (approximately 2 ~ 4% per merchant) incurred when using the benefit points offline using a credit card are not incurred, which reduces operating costs, which helps to improve the quality of services and lower prices. It can also improve the sales profit of small merchants.

1 is a block diagram illustrating an entire configuration for point direct payment in an offline affiliated store according to an embodiment of the present invention.
2 is a schematic block diagram of an employee terminal according to an embodiment of the present invention.
3 is a schematic block diagram of an affiliated store terminal according to an embodiment of the present invention.
4 is a block diagram of a point direct payment system according to an embodiment of the present invention.
5 is a flowchart illustrating a point direct payment method according to an embodiment of the present invention.
6A is a signal flowchart illustrating a step of issuing a payment code according to an embodiment of the present invention.
6B is a signal flowchart illustrating an offline payment with a point using a payment code according to an embodiment of the present invention.
7 is a flowchart illustrating a point availability inquiry step according to an embodiment of the present invention.

Advantages and features of the present invention, and methods for achieving them will be apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but may be implemented in various forms, and only the embodiments of the present invention make the disclosure of the present invention complete and the general knowledge in the technical field to which the present invention belongs. It is provided to fully convey the scope of the invention to those skilled in the art, and the present invention is defined only by the scope of the claims. Like reference numerals refer to like elements throughout.

In describing the embodiments of the present disclosure, when it is determined that a detailed description of a known function or configuration may unnecessarily obscure the subject matter of the present disclosure, the detailed description thereof will be omitted, and the following terms are used in the embodiments of the present disclosure. Terms are defined in consideration of the function of the may vary depending on the user or operator's intention or custom. Therefore, the definition should be made based on the contents throughout the specification.

Combinations of each block of the block diagrams and respective steps of the flowcharts may be performed by computer program instructions (executable engines), which may be executed on a processor of a general purpose computer, special purpose computer, or other programmable data processing equipment. As such, instructions executed through a processor of a computer or other programmable data processing equipment create means for performing the functions described in each block of the block diagram or in each step of the flowchart.

These computer program instructions may also be stored in a computer usable or computer readable memory that can be directed to a computer or other programmable data processing equipment to implement functionality in a particular manner, and thus the computer usable or computer readable memory. The instructions stored therein may also produce an article of manufacture containing instruction means for performing the functions described in each block of the block diagram or in each step of the flowchart.

And computer program instructions can also be mounted on a computer or other programmable data processing equipment, such that a series of operating steps can be performed on the computer or other programmable data processing equipment to create a computer-implemented process that can be executed by the computer or other programmable data. Instructions for performing data processing equipment may also provide steps for performing the functions described in each block of the block diagram and in each step of the flowchart.

In addition, each block or step may represent a portion of a module, segment or code that includes one or more executable instructions for executing specific logical functions, and in some alternative embodiments referred to in blocks or steps It should be noted that the functions may occur out of order. For example, the two blocks or steps shown in succession may, in fact, be performed substantially concurrently, or the blocks or steps may be performed in the reverse order of the corresponding function, as required.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, embodiments of the present invention illustrated in the following may be modified in many different forms, the scope of the present invention is not limited to the embodiments described in the following. Embodiments of the present invention are provided to more fully describe the present invention to those skilled in the art.

The present invention relates to a system and method for processing payments by focusing on costs and welfare budgets used by welfare recipients of public social welfare policies such as employees, government agencies, and local governments. Hereinafter, for the convenience of description, but listed as a company and employees, the present invention is not limited thereto. In other words, it can be applied not only to companies, but also to various organizations, government agencies, public social welfare institutions, etc., and also applies to not only employees but also beneficiaries of public social welfare policies such as government agencies and local governments.

1 is a block diagram illustrating a system configuration for direct payment of points according to an embodiment of the present invention.

Referring to FIG. 1, the point payment service providing system in an offline affiliated store is configured such that an employee terminal 10 and an affiliated store terminal 20 may be connected to the point direct payment system 100 through the Internet 30.

Processors mounted in the terminals 10 and 20 and the point direct payment system 100 according to the present invention process instructions stored in a memory or a storage device, and process program instructions for executing the method according to the present invention. Can be.

The Internet 30 performs a series of data transmission and reception operations for data transmission and information exchange between the terminals 10 and 20 and the point direct payment system 100. In particular, the Internet 30 may use various types of wired / wireless communication networks, and may include all types of communication methods to be developed in the future.

The employee terminal 10 may be a mobile smart device that installs an application and is connected to the point direct payment system 100 as the application is driven. In particular, the employee terminal 10 according to the present invention may receive a payment code issued from the point direct payment system 100 to perform a payment to a point provided by the company belonging to the offline affiliated store. Detailed configuration of the employee terminal 10 will be described later with reference to FIG.

The affiliated store terminal 20 may be a point of sales (POS) system installed in the affiliated store, may be an internet website provided for the affiliated store, or a CAT terminal connected to a VAN company, and points a payment code read from an employee terminal 10. By transmitting to the direct payment system 100, the point can be purchased and paid for merchandise or services sold by the merchant to the points held by the employee. Detailed configuration of the affiliated store terminal 20 will be described later with reference to FIG. 3.

Point direct payment system 100 issuing a payment code to the employee terminal 10, the application is installed, the employee who issued the payment code in conjunction with the merchant terminal 20 uses the points granted to the employee in the company in the merchant It is possible to provide a service for payment of goods or services.

In addition, the affiliated store owner may be connected to the point direct payment system 100 through a smart terminal (not shown) owned by the merchant terminal 20 in addition to the merchant terminal 20, and may receive various information. For example, when the offline merchant stock requests the sales history information of the month, the point direct payment system 100 may provide the sales history information, thereby providing an effect that the offline merchant stock may check the sales history in real time.

However, the point in the present invention is a payment method granted to employees by the company in order to manage all expenses incurred by the employees in the company, in addition to the existing welfare points, such as sales budget points, dinner meal points, and travel cost points. Can be classified into various types. By the way, in the description of the present invention to be described below, the points which are classified into various types are mainly described as a technique used as a direct payment means in an offline affiliate store, but the present invention is not limited thereto. That is, the points having various types according to the embodiment of the present invention can be used to distinguish the same type in the online as well as offline affiliate stores, which is included in the scope of the present invention. That is, in the present invention, contents not related to the payment code, such as issuing a payment code or authenticating the issued payment code, may be equally applied to online payment.

2 is a schematic block diagram of an employee terminal according to an embodiment of the present invention.

Referring to FIG. 2, an employee terminal 10 according to an exemplary embodiment of the present disclosure may include an input unit 11, a display unit 12, a communication unit 13, a storage unit 14, a GPS 15, and a controller 16. It may be configured to include.

The input unit 11 receives various information such as numeric and character information, and transmits a signal input in connection with setting various functions and controlling functions of the employee terminal 10 to the controller 16. In addition, the input unit 11 may include at least one of a keypad and a touch pad generating an input signal according to a user's touch or manipulation. In this case, the input unit 11 may be configured in the form of a single touch panel (or touch screen) together with the display unit 12 to simultaneously perform input and display functions. In particular, the input unit 11 according to the present invention detects all input signals related to the point direct payment service using the payment code and transmits them to the controller 16.

The display unit 12 displays information on a series of operation states and operation results generated while the function of the employee terminal 10 is performed. In this case, when the display unit 12 is configured in the form of a touch screen, the display unit 12 may perform some or all of the functions of the input unit 11. In particular, the display unit 12 according to the present invention outputs all information related to the point direct payment service using the payment code.

The communication unit 13 performs a function for wirelessly transmitting and receiving data through the point direct payment system 100 and the Internet 30. In particular, the communication unit 13 according to the present invention transmits and receives data for issuing a payment code from the point direct payment system 100.

The storage unit 14 is a device for storing data, and includes a main memory device and an auxiliary memory device, and stores an application program necessary for a functional operation of the employee terminal 10. The storage unit 14 may largely include a program area and a data area. Here, when the employee terminal 10 activates each function in response to a user request, the employee terminal 10 executes corresponding application programs under the control of the controller 16 to provide each function. In particular, according to an embodiment of the present invention, the storage unit 14 stores the application 14b that performs the point direct payment service. In particular, the storage unit 14 stores the payment code 14a received from the point direct payment system 100.

The controller 16 may be an operating system (OS) and a process device for driving each component. In particular, in the control unit 16 according to an embodiment of the present invention, an application 14b stored in the storage unit 14 may be executed. The application 17 may include a payment code execution module 17a and a merchant search module 17b. And point inquiry module 17c.

If the payment code execution module 17a has an input for requesting a payment code from an employee, the payment code issuance request signal is transmitted by sending employee login information and the like to the point direct payment system 100. When the payment code is received from the point direct payment system 100, the payment code execution module 17a temporarily stores the payment code in the storage unit 14 and displays the payment code on the display unit 12. Here, the payment code may be a barcode or a QR code. In addition, in the payment code, employee identification information owning the logged-in employee terminal 10 is recorded. In addition, the payment code can be used for a predetermined validity period, and may be a one-time use. Therefore, such a payment code may be deleted when a preset valid time elapses. For example, if the validity time of the payment code is set to 3 minutes, the payment code is automatically deleted after 3 minutes of receiving the payment code. In addition, the payment code may be a payment code for which the point type is identified.

Merchant search module 17b provides a search service for offline merchants that satisfy the point policy of the company to which employees belong. The merchant search method may be various embodiments, and according to an embodiment, the affiliated store list / map may be checked through the search of the branch number / road name / merchant name. According to another embodiment of the present disclosure, the affiliated store information may be retrieved in association with the GPS 15. According to another embodiment, the affiliated store may enable the affiliated store to be identified for each point type, such as welfare points, night meals, travel expenses points, and the like. According to another embodiment, affiliated stores may be classified according to industries such as restaurants, miscellaneous goods, culture, Korean, Chinese, Western, and snacks, and may make it possible to identify affiliated stores by business type. According to another embodiment, it is possible to check whether a merchant can be used as a QR code attached to neighboring merchants.

The point inquiry module 17c provides a search service for employees' point use history and point remaining information. According to an embodiment of the present disclosure, the point inquiry module 17c may search for the point usage history and the remaining information for each point type, for each category of the affiliate store, and for each point use period. In addition, the point inquiry module 17c may provide a search result of whether the welfare point used before the cancellation / return / exchange of the purchased product / service can be refunded by checking the expiration date according to the point use policy. have.

3 is a schematic block diagram of an affiliated store terminal according to an embodiment of the present invention.

Referring to FIG. 3, the affiliated store terminal 20 includes an input unit 21, a display unit 22, a communication unit 23, a storage unit 24, a reader unit 25, and a controller 26. Here, description of the same contents as those of the employee terminal 10 shown in FIG. 2 will be omitted for the contents of the configuration and the functions of the respective components of the affiliated store terminal 20.

According to an embodiment of the present disclosure, the affiliated store terminal 20 may further include a reader unit 25, which is a scanner or a reader capable of reading a payment code displayed on an employee terminal 10. The code is sent to the control unit 26.

The controller 26 may include an inquiry module 26a and a payment module 26b.

As the payment code is transmitted by the reader unit 25 or the input unit 21, the inquiry module 26a transmits to the point direct payment system 100 together with the affiliate store ID, and the inquiry result from the point direct payment system 100. Is received and displayed on the display unit 22. In this case, the search result may not be possible to use points at the affiliated store, or may be information on residual points and allowable goods / services available at the affiliated store. In addition, according to the present invention, the inquiry module 26a may also transmit the point type information together to inquire the inquiry result according to the point type from the point direct payment system 100. However, when the payment code is already generated for each point type, it is not necessary to transmit additional point type information.

The payment module 26b transmits the payment code 24a stored in the storage unit 24, the merchant ID, and the payment information input by the input unit 21 to the point direct payment system 100 to request point payment, The point payment result received from the payment system 100 is displayed on the display unit 22. Here, the payment information may include a product name, a product quantity, a use point. In addition, according to the present invention, the payment module 26b may transmit the point type information together, so as to request the point payment according to the point type from the point direct payment system 100. However, when the payment code is already generated for each point type, it is not necessary to transmit additional point type information.

Figure 4a is a block diagram of a point direct payment system according to an embodiment of the present invention.

Referring to FIG. 4A, according to an embodiment of the present invention, the point direct payment system 100 includes a payment code issuer 110, a point payment unit 120, and a data storage 130.

The data storage unit 130 stores point information, payment code issuing information, and merchant information available for points of employees belonging to each company. In detail, the employee information DB 131, the point information DB 132, the point use policy DB 133, the affiliated store DB 134, and the settlement result DB 135 may be included. However, the configuration of the data storage unit 130 is only an embodiment, and the present invention is not limited thereto.

Employee information DB (131) stores the personnel-related information of a number of employees for each company. Here, the personnel related information of the employee preferably includes identification information, company information related to the employee, position information, years of work and personal information.

The point information DB 132 stores the usage history of the points granted to employees of each company. Employees can also purchase points at online stores or offline sites that fall within the allowed category. Therefore, the point usage history includes the usage history for each point type, the point usage history for each allowable classification item for each point type, and the point balance for each point type / permitted classification item according to the use result.

The point use policy DB 133 stores a point use policy of each of a plurality of companies. Here, the point use policy is a point use approval limit condition for a transaction that an employee pays with points at an online site or an allowed offline store, and these limit conditions are set and stored differently for each company. For example, companies may set items to allow use of points for each point type, set point usage limits for each period, or set minimum or maximum point usage limits for each category based on the purpose and purpose of providing the points. Can be set. In setting the usage limit, the company can set the target of the point use policy according to the employee's personnel information such as the employee's position and years of service.

The merchant DB 134 stores offline merchant information that can be purchased as a point, and includes identification information, location information (address and region category), classification items, handling goods / service information, and settlement details of each merchant.

The payment result DB 135 stores payment information used by the employees of each company through the points, and may include whether to settle the settlement. Here, the payment information includes purchase information on an online site or an allowed offline store, and the payment information includes employee identification information, point type information, classification item information, deducted point information, purchased product information, and payment date information. This is preferred.

The payment code issuing unit 110 performs a security certification for a corresponding employee as requested by a payment code for payment of points from an employee terminal 10 through an application, and generates and issues a payment code to a secure authenticated employee terminal. Then, the payment code issuing information is stored in the data storage unit 130.

As the point payment unit 120 is requested to use the points together with the payment code from the offline merchant terminal, the data storage unit is queried to determine whether the employee who issued the payment code can pay with the points held by the affiliate store, Therefore, the employee's points will be deducted in real time and processed.

According to an embodiment of the present disclosure, the payment code issuing unit 110 may include a security authentication unit 111 and a payment code generation unit 112, and the point payment unit 120 is a point available inquiry unit And a point subtraction part 122.

The security authentication unit 111 performs an approval procedure using information stored in the data storage unit 130 according to a request for issuing a payment code from the employee terminal 10.

When the payment code generation unit 112 receives a payment code request signal from the employee terminal 10, the payment code generator 112 generates a payment code and transmits the same to the employee terminal 10. At this time, it may be generated using a program for generating a random number. In addition, the point direct payment system 100 transmits the generated payment code to the employee terminal 10.

When the point available inquiry unit 121 receives the inquiry request information, the point available inquiry unit 121 checks whether an item included in the received transaction information satisfies the point use policy by referring to the data storage unit 130. A detailed description of the operation of the point available inquiry unit 121 will be described later with reference to FIG. 7.

The point deduction unit 122 processes the amount of points requested for use from the available points of the employees, and updates the sales history information of the offline merchants with transaction information.

In addition, the point direct payment system 100 according to the present invention may further include a settlement processor 140 and an interface processor 150.

The settlement processing unit 140 processes the settlement of the product / service purchase between the company and the affiliated store with reference to the settlement result DB 135 and updates the settlement result DB 135, which is variously performed according to the settlement cycle and settlement method. Yes it is possible.

The interface processing unit 150 inquires and changes various information related to point payment, which means that an employee, a company manager or a merchant manager accesses the website of the point direct payment system 100 through his / her wired / wireless terminal. This can be done through dedicated applications.

As the manager of each company is connected, the company manager interface unit 151 may query, change, and reset employee information, point use history information, point use policy information, etc., belonging to the corresponding company.

In the case of the dual point use policy, by controlling the use of points by employees, it is possible to control the use of points only by categories such as shopping or dining out. Alternatively, in the case of night meals, the location of affiliated stores may be restricted to around the employee's place of work, and the period of use may be limited to 6 to 8 pm to prevent the night meals from being used for other purposes. As a result, companies can deliberately execute welfare budgets paid to multiple employees. For example, the corporate manager interface unit 141 may provide a page for setting the amount of grant for each point type according to the position, the number of working years, and the like, and allow classification items such as exercise, education, travel, performance, and book purchase for each point type. A page for setting an allowance amount or a ratio for each allowable classification item may be provided, and a page for setting an expiration date for each point type / permissible classification item may be provided.

Merchant manager interface unit 152 is a registration page for inputting information such as goods or services handled by the merchant, the location of the merchant to register the point direct payment system 100 to guide, merchant sales history inquiry page using the point and the settlement cycle or A setting or change page for a settlement condition such as a method can be provided.

The employee interface unit 153 may provide the employee terminal 10 with a variety of information including a merchant search page, a point usage history inquiry page, and an employee registration information change page.

Hereinafter, a point management method of controlling the use of points by employees of each company in the point management device will be described in detail.

5 is a flowchart illustrating a point direct payment method according to an embodiment of the present invention.

Referring to FIG. 5, the point direct payment method according to an embodiment of the present invention includes the steps of issuing a payment code (S210 and S220) and processing a point payment with the issued payment code (S230 and S240). .

That is, as a payment code for point payment is requested from the employee terminal 10 through the application, the point direct payment system 100 performs security certification for the corresponding employee (S210), and pays to the securely authenticated employee terminal. Generate and issue a code (S220).

Then, according to the offline payment request using the point with the payment code from the merchant terminal 20, the point direct payment system 100 inquires whether the employee who issued the payment code can be paid offline in the merchant at the point (S230) And, according to the inquiry result is processed offline payment to the employee's point (S240).

6A is a signal flowchart illustrating a step of issuing a payment code according to an embodiment of the present invention.

Referring to FIG. 6A, when an application (application) that can use points in the employee terminal 10 is driven (S310), the employee terminal 10 displays a main screen on which points can be used. In this case, the employee terminal 10 may be entered into the company-specific code, ID and password after the application is run, the login procedure may be performed in conjunction with the point direct payment system 100, or if set to automatic login The login procedure may be omitted and an automatic login to the point direct payment system 100 may be performed.

In addition, various menu items that can be used for points may be displayed on the main screen, and according to the present invention, a payment code item for using points may be included in an offline affiliated store.

The employee terminal 10 transmits the payment code request signal to the point direct payment system 100 as the payment code execution request signal is input (S320) (S330). Then, the point direct payment system 100 may request a payment password input by transmitting a secure keyboard page to the employee terminal 10 (S340). Here, the payment password may be a payment password that is different from the login password.

The employee terminal 10 transmits the payment password to the point direct payment system 100 as the payment password is input from the employee through the secure keyboard page (S350) (S360).

Point direct payment system 100 checks the payment password transmitted from the employee terminal 10 to confirm whether or not the authentication of the employee terminal 10 (S370).

When the employee terminal 10 is not authenticated as a result of checking in S370, the point direct payment system 100 transmits an authentication failure message to the employee terminal 10, and returns to step S340 to repeat steps S340 to S370. do. Here, if authentication is not performed even after repeating a predetermined number of times, the payment code issuing process may be terminated.

On the other hand, if the employee terminal 10 is verified as a result of S370, the point direct payment system 100 generates a payment code to be used in the employee terminal 10 (S380). Here, the payment code may be a barcode or a QR code. In addition, in the payment code, employee identification information owning the logged-in employee terminal 10 is recorded. In addition, the payment code can be used for a predetermined validity period, and may be a one-time use. In addition, the payment code may be a payment code for which the point type is identified. In addition, the point direct payment system 100 may generate a payment code using a program for generating a random number.

Point direct payment system 100 transmits the generated payment code to the employee terminal 10 (S390), the employee terminal 10 displays the received payment code (S395), the payment code issuing process is completed. .

6B is a signal flowchart illustrating an offline payment with a point using a payment code according to an embodiment of the present invention.

Referring to FIG. 6B, the employee makes a request for direct payment while showing the employee terminal 10 on which the payment code is displayed to the affiliated store owner (S400).

Then, the merchant owner to read the payment code displayed on the employee terminal 10 to the scanner or reader provided in the merchant terminal 20, or the payment code at the bottom of the payment code through the input unit 21 of the merchant terminal 20 It is directly input (S410).

Then, the affiliated store terminal 20 transmits the read payment code to the point direct payment system 100 together with the affiliated store ID (S420). In this case, the point type information may be transmitted together, and the inquiry result according to the point type may be inquired from the point direct payment system 100. However, when the payment code is already generated for each point type, it is not necessary to transmit additional point type information.

Point direct payment system 100 receives the payment code and the merchant ID, inquires whether the point is available (S430). A detailed description of the process of inquiring whether the point is available will be described later with reference to FIG. 7.

Point direct payment system 100 transmits the inquiry result to the affiliated store terminal 20 (S440).

The affiliated store terminal 20 displays the inquiry result received from the point direct payment system 100 (S445), and then checks whether payment information is input (S450). In this case, the search result may not be possible to use points at the affiliated store, or may be information on residual points and allowable goods / services available at the affiliated store.

If the payment information is not entered as a result of the check in S450, the merchant terminal 20 ends the payment process of the employee. In other words, the payment process may be terminated when the inquiry result is unavailable, or when there are not enough remaining points.

On the other hand, if the payment information is entered as a result of the check in S450, the merchant terminal 20 transmits a payment code, merchant ID and payment information to the point direct payment system 100 to request a point payment (S460). Here, the payment information may include a product name, a product quantity, a use point. In addition, the affiliated store terminal 20 may transmit the point type information together, and request the point payment according to the point type from the point direct payment system 100. However, when the payment code is already generated for each point type, it is not necessary to transmit additional point type information.

At this time, the use point and the product price may not match. In other words, if the price of the product / service exceeds the amount of available points, you can request payment for the available amount, and the remaining amount can be handled by the employee. For example, if the type of point is 'night meal' and the upper limit of 'night meal' is set to 10,000 points, if employees have to eat 15,000 won, 10,000 won will be paid for the points, and the remaining 5,000 won will be paid. I can bear it.

Then, the point direct payment system 100 is deducted from the available points of the employees as much as the point requested to use (S470), and updates the sales history information of the offline merchants with transaction information (S475). At this time, the point direct payment system 100 analyzes the received point use application information to determine whether to approve, and may perform the process of the flowchart shown in FIG. 7 again.

Thereafter, the point direct payment system 100 transmits the point settlement result to the affiliated store terminal 20 and the employee terminal 10 (S480 and S485) to complete the settlement process.

7 is a flowchart illustrating a point availability inquiry step according to an embodiment of the present invention.

Referring to FIG. 7, the point available inquiry unit 121 of the point direct payment system 100 receives the payment code and the affiliated store ID (S431) and checks whether the payment code is valid (S432). That is, since the validity period is set in the payment code, it is to check whether the validity period has expired. Alternatively, the payment code itself may be to check whether the payment code is not issued by the point direct payment system 100.

When the payment code is not valid as a result of the check in step S432, the point available inquiry unit 121 generates payment impossible inquiry information due to invalid payment code (S438).

On the other hand, if the check code is valid in step S432, the point available inquiry unit 121 extracts employee information and merchant information (S433, S434).

That is, in S433, the point available inquiry unit 121 searches the employee information DB 131 and extracts personnel information including company information, job title information, and personal information related to the employee corresponding to the identification information recorded in the payment code. do. In addition, the point available inquiry unit 121 searches the point information DB 132, the usage history of each employee identified by the point type, the point usage history by the allowable classification items for each point type, and the point balance according to the use result. Extract point usage history that includes. In addition, the point availability inquiry unit 121 searches the point use policy DB 133 to identify the point type information, the allowable classification item for each point type, and the allowable classification item corresponding to the company, the position information, and the number of working years to which the identified employee belongs. The point usage policy including the point usage limit or the due date is extracted.

Further, in S434, the point available inquiry unit 121 extracts affiliate store information including affiliate store classification items, location information, etc. to which the affiliate store corresponds to the affiliate store ID (S434).

Thereafter, the point available inquiry unit 121 analyzes the extracted information to determine whether the affiliated store satisfies the point use policy of the company to which the employee belongs (S435). That is, it may be determined whether the extracted classification item or location information of the affiliated store is included in the classification item or allowed area allowed by the company to which the employee belongs.

As a result of checking in S435, if the affiliate does not satisfy the point use policy of the company to which the employee belongs, the point direct payment system 100 generates non-permitted check inquiry information due to the unacceptable affiliate (S438).

On the other hand, if the result of the determination of S435 when the employee satisfies the point use policy of the company to which the employee belongs, the point available inquiry unit 121 determines whether the employee can use the point at the affiliated store (S436). That is, it is determined whether the points are available by referring to the usage limits and usage periods of the allowable classification items extracted by the point use policy of the corresponding company. For example, due to the company's point-use policy, surrogate employees who receive less than 5 years of service will receive 2 million won worth of welfare points for one year. If it is determined that the category of affiliated stores is an exercise-related item, the point available inquiry unit 121 determines whether the employee exceeds 800,000 won in the exercise-related items within one year.

On the other hand, if there are no points available as a result of the check in S435, the point available inquiry unit 121 generates non-payment inquiry information due to exceeding the usable point limit (S438).

As a result of the determination in S436, when the point is available, the point available inquiry unit 121 generates inquiry information including the point information usable in the affiliate store (S437). For example, in the above example, if the employee used 500,000 won in one year, the inquiry information may include possible point information of 300,000 won. In addition, the inquiry information may also include a list of items available at the affiliated store.

Claims (13)

A data storage unit that stores company-specific employee information, employee point information, and merchant information;
As the payment code for the point payment is requested from the employee terminal through the application, perform a security certification for the employee, generate and issue a payment code to the security certified employee terminal, and issue the payment code issuing information to the data storage unit The payment code issuing unit to store,
As offline payment is requested using the points together with the payment code from the merchant terminal, the data storage unit is searched to determine whether the employee who issued the payment code can pay offline at the merchant at the point, and according to the judgment result, the employee is offline at the point. Point direct payment system characterized in that it comprises a payment processing unit for payment processing.
The method of claim 1, wherein the payment code is
Point direct payment system, characterized in that the bar code or QR code form.
The method of claim 1, wherein the payment code is
Point direct payment system, characterized in that the validity period is set.
The method of claim 1 wherein the points are
A point direct payment system, characterized by being classified by one of the point types, including welfare points, travel points, operating cost points, and meal points.
According to claim 1,
Data storage unit
Further includes company-specific point usage policy information,
Payment processing section
Point direct payment system characterized in that it determines whether the offline payment request meets the point use policy of the company to which the employee belongs.
The method of claim 5, wherein the point usage policy is
Point direct payment system, characterized in that it comprises at least one or more of the point type, the usage limit by point type, the allowable classification item by the point type, the usage limit by the allowable classification item, the expiration date.
The method according to any one of claims 5 and 6,
Point direct payment system, characterized in that further comprises a corporate manager interface for providing a point use policy setting page, as connected through a terminal owned by the company-specific manager.
The method of claim 5, wherein the application is
Offline point-of-sale as a request to search merchants, point direct payment system, characterized in that to provide search information to merchants that satisfy the point use policy of the company to which employees belong.
In the point direct payment method by the point direct connection system as described in any one of Claims 1-6,
As the payment code for the point payment is requested from the employee terminal through the application, performing a security certification for the employee, and generating and issuing a payment code to the security authenticated employee terminal,
As offline payment is requested using the points together with the payment code from the merchant terminal, the employee who issued the payment code determines whether the offline payment is possible with the points at the affiliated store, and according to the determination result, the offline payment is processed by the employee's points. Point direct payment method comprising the.
The method of claim 9, wherein the offline payment processing
Determining whether the payment code has expired,
If the expiration date has expired, the point direct payment method comprising the step of delivering to the merchant terminal the non-payment.
The method of claim 9, wherein the offline payment processing
A method for direct payment of points, comprising determining whether an offline payment request conforms to a point use policy of a company to which an employee belongs.
The method of claim 11, wherein the offline payment processing
Determining whether an offline payment request meets at least one of a usage limit by a point type, an allowable classification item by a point type, an allowable classification item by an allowable classification item, and an expiration date. Way.
The method of claim 9, wherein the offline payment processing
Point payment, characterized in that the point payment corresponding to the point type is performed as one of the point types including welfare point, travel point, operating cost point and meal point is received together with the type information. Way.

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