KR20200055925A - System and method for payment sharing - Google Patents

Abstract

The present invention relates to a payment system using a computer, a mobile phone, the Internet, and software technology. The present invention relates to a payment system and a method thereof, which allow a large number of people to share costs by using mobile phone terminals when using a product (goods) sales store or a service (service) business, etc. and paying the costs. The present invention can save time by allowing a large number of people virtually to gather in one place on the network, select products, and share and pay for each, and can remove the problems of selecting the products in the case of group purchasing. The present invention basically provides a medical cost sharing smart payment system and a method thereof which support a large number of people to share and pay costs for single product rather than collectively group-purchase of a plurality of same products.

Description

Cooperative smart payment system and method {System and method for payment sharing}

The present invention relates to a co-payment system and method.

In general, in the case where a large number of people share the payment amount when they receive goods or services and pay the price, it is of course a social phenomenon that exists offline (aka Dutch Pay). Prior arts similar to the application of this co-payment concept to the Internet or mobile communication networks have been disclosed.

However, most of the prior arts do not apply offline Dutch pay online, but rather focus on joint purchases where a large number of buyers gather and receive their goods or services to lower prices. Online application of the joint share (Dutch Pay) mentioned above has not been attempted. Such a co-purchase method relates to a method in which people who have a desire to purchase a specific identical product gather together to make a co-purchase by increasing the discount rate as a large purchase unit or to directly purchase one product from a co-purchase site. In order to take a lot of time and payment is not easy when a large number of people are located remotely, there is a problem in selecting the type of product.

Republic of Korea Patent Publication No. 10-2018-0063592 Korean Registered Patent Registered Patent No. 10-1887669

The object of the present invention, which was devised to solve the above-described problems, is to have a large number of people virtually gather in one place on the network and select products to share and pay, thereby saving time and having joint purchase for product selection. The purpose of the present invention is to provide a smart payment system and method for cooperative medical expenses that can eliminate problems.

Another object of the present invention is, basically, not a multi-person collective purchase of a large number of homogeneous products, but a joint payment system for smart payments and a method for supporting a multi-product joint payment by a plurality of people. Is to provide.

According to @@ of the present invention for achieving the above object, as a method of jointly sharing the cost to be paid to the seller through a co-payment payment processing system, 1) a seller who wants to share ( Hereafter, the affiliated store) and the buyer (hereinafter referred to as the sharer) are pre-registered in the payment processing system to grant identification data, and 2) the total amount of share to be paid to the affiliated store and the amount of each share to be paid to the affiliated store When the given identification data is transmitted to the payment processing system, the payment processing system receives it and performs an approval process, 3) The sharers select the amount of payment and payment method to be paid by each, and send it to the payment processing system for payment When requested, the payment processing system includes performing payment processing respectively according to the payment request sent by each distributor, wherein step 2) transmits identification data given to the representative of the distributors to the payment processing system. And, the step of performing the payment approval processing for the representative share, the step of transmitting the identification data of the remaining sharers to the payment processing system, and performing the payment approval process for these sharers do.

In addition, the identification data of step 1) is characterized in that the individual's mobile phone number.

In addition, the identification data of step 1) is characterized in that the ID number assigned to the merchant.

In addition, as a subsequent step of step 3), if some of the distributors choose to pay in the future instead of paying directly in the store, the distributor will pay the amount and payment method to be paid later through their mobile phones. The step of selecting and, when payment is requested later, the payment processing system 10 approves the payment and transmits the approval information, and when the approval for the future payment is completed, the payment to the representative representative The payment step is further included.

In addition, a computer recording medium containing a program implementing the method.

In addition, in order to handle the task of jointly sharing the cost to be paid by other users to other users, the above users are registered to grant the usage rights to each, and the co-payment processing is processed at the request of the registered users. It includes a joint-sharing payment processing system (hereinafter referred to as a payment processing system) that is performed, and this payment processing system includes sellers (hereinafter referred to as affiliate stores) and buyers (hereinafter referred to as “sharers”) who want to share among users who have been granted use rights. Means for granting identification data by pre-registration, means for performing the approval process by receiving the total amount of share to be paid to affiliates and the identification data assigned to each, transmitted by a large number of distributors who wish to share It includes means for each sharer to select the amount of payment to be paid and the payment method, and receive payment requests sent by each sharer, and process payments according to payment requests sent by each sharer.

In addition, the total share amount and identification data transmitted by the user to the payment processing system is characterized in that it is transmitted through a shared sharing payment terminal (hereinafter referred to as a payment terminal) to access the payment processing system.

In addition, the payment terminal is characterized in that the mobile phone.

In addition, the payment terminal is characterized in that the wireless Internet phone.

As described above, the effect of the present invention is a cooperative smart payment system and method for co-payment of existing co-sharing easily and quickly by online by using a mobile phone and a communication network to take the concept of co-sharing offline. Yes, you can.

1 is a configuration and processing flow diagram of a system according to the present invention.
Figure 2a is a detailed configuration of each component of Figure 1;
Figure 2b is a configuration diagram of a shared payment module 21 that is a program installed in the payment terminal 20.
Figure 2c is a configuration diagram of a shared-sharing payment module 41 that is installed on the mobile phone terminal (40, 50) of each sharer.
3 is a process flow diagram of a first embodiment of the method according to the present invention.
4 is a process flow diagram of a first embodiment of the method according to the present invention.
5 is a process flow diagram of a first embodiment of the method according to the present invention.

Advantages and features of the present invention, and methods for achieving them will be clarified with reference to embodiments described below in detail together with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but may be implemented in various different forms, and only the embodiments allow the disclosure of the present invention to be complete, and common knowledge in the technical field to which the present invention pertains. It is provided to completely inform the person having the scope of the invention, and the present invention is only defined by the scope of the claims. The same reference numerals refer to the same components throughout the specification.

Hereinafter, the present invention will be described with reference to the drawings for explaining @@ according to embodiments of the present invention.

The co-payment system and method according to the present invention is a system applied to the following situations.

At the dinner table with friends gathered after a long time, they decide to share their meals by sharing their meals so as not to put a financial burden on each other. A friend as a representative goes to the restaurant counter, and the restaurant owner registers with the co-payment processing system and enters the total share amount (i.e., the total amount of meals) into the co-payment terminal installed in advance, and the mobile phone number of the representative friend and other friends Enter to request approval from the terminal.

After a while, information about the approval number and the amount of the share is received from the representative's mobile phone from the co-payment processing system. To receive the payment approval, enter the password registered in the system in advance, select the desired payment method, and send it. When the receipt for payment approval is printed out from the co-payment terminal installed in the restaurant counter, the representative friend signs it and receives the receipt. At the same time, the contents of the co-payment payment approval number and the amount of sharing are transmitted to the mobile phones of other friends, and the friends enter the amount to be shared and select and transmit the payment method they want. The payment methods that can be selected are generally used, such as cash payment through mobile banking, credit card payment, carrier payment, and micro payment. Payment is made through a predetermined procedure for each method.

On the other hand, there was a friend who would like to pay later, and after he broke up with his colleagues, he arrived at home to access the co-payment payment processing system through his computer, authenticate himself, enter the approval number, and share himself. Pay for the amount. Accordingly, a friend who has made a co-payment as a representative (representative agent) confirms the message that the amount of the transfer sent to the mobile phone has been deposited, enters the co-sharing payment processing system, selects the payment method of the amount to be paid, and pays. Check the results.

Hereinafter, various embodiments embodying the concept of the present invention will be described with reference to the drawings.

1 is a configuration diagram of a shared-sharing payment system according to the present invention, showing a work process flow between each component. First, each component is introduced as follows.

10: Co-payment processing system (hereinafter referred to as a payment processing system)-As a system for performing co-payment processing according to the present invention, pre-register users to use the co-payment payment service and grant authority to each. A user includes a user who provides a product or service and receives a payment (hereinafter referred to as a "seller"), and a user who purchases and pays for the product or service of this seller (hereinafter referred to as a "buyer").

20: Shared payment terminal (hereinafter referred to as payment terminal)-Connects to the payment processing system and serves to request payment approval from the system and receive payment information. It is a terminal device that is installed in advance in a goods or services supply store (store, restaurant, etc.).

30: Payment company-As a company that setstles or makes payments for payments made by the representative and the first and second parties through contracts with the payment processing system, card companies, banks, telecommunications companies, micropayment companies, spot trading companies, etc. It includes.

40: Representative Shareholder-Among those who pay the transaction price in the form of co-sharing using the payment terminal 20 (i.e., the buyer), register with the payment processing system 10 of the present invention to perform the co-payment of the present invention. Leading buyers.

50, 50 ': 1st sharer, 2nd sharer-Buyer who wants to pay the transaction price in the form of shared share with representative sharer (40).

Now, a description will be given of a workflow between each of these components.

(1) The representative sharer 40 enters the total share amount (total amount to be paid to the seller) and the identification number (mobile phone number, etc.) of the sharers in the payment terminal 20.

(2) The payment terminal 40 accesses the payment processing system 10 and requests approval.

(3) The payment processing system 10 transmits the approval number and payment information to the mobile phone of each sharer after performing the approval process for the representative sharer 40.

(4) Accordingly, the representative distributor 40 and each of the distributors 50 and 50 'request a payment by selecting a share amount and a payment method that they decide to pay.

(5) The payment processing system 10 selects the payment company 30 according to the payment request sent by each sharer, requests the payment processing, and receives approval.

(6) The payment processing system 10 transmits the approved payment information to the payment terminal 20.

(7) The payment terminal 20 outputs the receipt of the paid amount, and the representative sharer 40 signs it to complete the payment.

(8) The payment processing system 10 notifies each participant of the payment approval processing result.

On the other hand, some of the contributors may choose to pay later instead of paying directly at the store. In this case, the share of the future payments to be made by the settlement payer will have to be paid by the representative share. Therefore, if some of the participants choose to pay later, the final payment must be paid to the representative after the final payment is completed. As a payment method, cash may be paid directly to the representative shareholder, but a card of a specific affiliate card company may be issued to the representative shareholder to accumulate the contribution amount on the card and continue to accumulate future amounts. Here, the affiliated card company is a company affiliated with a payment processing system and means a company that is contracted to give a reward or mileage to the representative when the representative shares the company's credit card or mileage card for payment. do.

FIG. 2A shows a detailed configuration of each component shown in FIG. 1.

The payment processing system 10 includes a user module 11, a member management module 12, a shared payment module 13, an affiliate management module 14, a payment management module 15, an administrator module 16, and a database ( 17).

The user module 11 is a module that provides information necessary for general users and members (distributors) to use the payment processing system 10 through a webpage or a client program, and programs such as membership subscription and co-payment. The member management module 12 is a program module for managing member information of registered members. The co-payment module 13 is a program module that notifies, processes, and manages co-payment requests, and the affiliate management module 14 is a program module that manages affiliate card companies and affiliates. The payment management module 15 is a program module that manages payment processing at a payment company, and the manager module 16 is a program module that manages the shared payment system as a whole. Data generated in the co-payment system of the present invention is stored in the database (17).

The payment terminal 20 includes a co-sharing payment module 21, which is installed in the co-sharing payment terminal 20 and is a program module for payment processing in conjunction with the co-sharing payment processing system 10. In addition, the co-payment payment module 41, which is a program for co-payment processing, is installed in the mobile phone terminals 40 and 50 of the sharer.

Figure 2b shows the configuration of a shared payment module 21 that is a program installed on the payment terminal 20. The information management unit 22 is a unit that manages information generated in the terminal, such as basic information and input information of the payment terminal 20, and the payment unit 23 processes tasks related to payment requests and approvals, and encrypts and decrypts them. The unit 24 is a unit that encrypts and decrypts data generated during transmission and reception. The transmitter 25 serves to transmit the payment request to the co-payment processing system 10, the receiver 26 receives the approval information, and the output unit 27 outputs the approved receipt.

In addition, although not shown, a separate input device such as a card reader may be added to the payment terminal installed in the merchant. For example, if a lot of members, such as a specific meeting or group, ask for a shared share, they may not want to expose their phone number from a personal point of view. It is to make it possible.

FIG. 2C shows the internal configuration of the co-payment payment module 41 installed in the mobile phone terminals 40 and 50 of each sharer. The information management unit 42 serves to manage information generated in the mobile phone, such as basic information and input information of the mobile phone, and the payment unit 43 performs approval requests for various payment methods and approval processing therefor. do. Here, the request for approval can be processed by selecting a payment method using a text message service, which is one of mobile communication services. In addition, a wireless network data transmission method is also used based on a method of receiving and processing the approved text information. It is possible.

The encryption / decryption unit 44 is a unit that encrypts and decrypts data generated during data transmission and reception, and the transmission unit 45 serves to transmit a payment request to a shared payment system, and the reception unit 46 is approved Upon receiving the information, the linker 47 performs interworking with its own program necessary for payment, such as a text service of a mobile phone.

These program modules can be installed in a mobile phone through a web page provided in the co-payment processing system of the present invention or other communication service (eg, Nate). In fact, when the payment is requested through the payment terminal 21, the approval information is sent to the mobile phone through the mobile phone number sent to the mobile phone. Check the message and the user can install it.

Among the modules described above, the co-sharing payment module 13 of the payment processing system 10, which can be called the characteristic configuration of the present invention, the co-sharing payment module 21 of the payment terminal 20, the mobile phones 40, 50 The operation of the elements constituting the co-payment payment module 41 of) will be clarified by describing the system operation and method of the present invention with reference to FIGS. 3 to 5 later.

In addition, although not illustrated in the drawings, the payment company 30 should include a payment system 31 that performs payment processing in connection with the shared-sharing payment processing system 10 of the present invention. Since this is the basic configuration of a general payment company, the city is omitted.

3 to 5 below are for explaining the operation of the three embodiments of the co-sharing system and method according to the present invention configured as described above.

3 shows an embodiment in which all mobile phone numbers are input to a co-payment terminal. Looking in the order, in order to make a co-sharing, the total share amount and the representative and mobile phone numbers of each share are input to the co-sharing payment terminal 20 (101). When payment approval is made and approval information is transmitted (102), the representative representative confirms and approves the payment information (103). When the receipt is output from the payment terminal 20, the approval information is checked (104), the amount of the determination is determined, and the payment method is selected (105) (as mentioned above, cash through mobile banking with other parties) Payment can be made by payment, credit card payment, carrier payment, micro payment, etc.). Once the amount of distribution is determined and the payment method is selected, the payment processing system 10 approves the share payment and transmits the approval information to each share (106).

If a future payment is selected among the sharers (107), the sharer selects an amount to be paid later and a payment method through his mobile phone (108). Then, when payment is requested later, the payment processing system 10 approves the payment and transmits approval information (109). When the approval for the future payment is completed, the payment is then made to the representative representative (110). As a method of payment, as described above, a method of depositing credit cards or the like owned by a representative shareholder may be used, but is not limited thereto.

4 is a second embodiment of the system according to the present invention, and shows an embodiment in which only a representative mobile phone number is input to a co-payment terminal. Unlike the first embodiment shown in FIG. 3, the second embodiment configured as shown in FIG. 4 inputs only the phone number of the representative terminal's mobile terminal at the beginning of the co-sharing process, confirms the approval information, and then checks the remaining sharers The process proceeds to input the mobile terminal phone number.

When the co-sharing payment process starts (200), the representative co-leader leading the co-sharing payment enters the total share amount and the mobile phone number of his (representative) in the co-sharing payment terminal 20 (201). When payment approval is made and approval information is transmitted (202), the representative representative confirms and approves the payment information (203). When the receipt is output from the payment terminal 20, the approval information is checked and signed (104). Subsequently, the share amount is determined with the other sharers, and the share terminal 20 enters the sharer's mobile terminal number (205), and the sharers select the share amount allocated to each and the payment method they desire (207). ) (As mentioned above, you can make payments through other banks, such as cash payments via mobile banking, credit card payments, carrier payments, micro payments, etc.). Once the amount of sharing is determined and the payment method is selected, the payment processing system 10 approves the shared payment and transmits the approval information to each share (208).

The subsequent process is the same as the embodiment of FIG. 3. That is, if a payment is selected later among the sharers (209), the sharer selects a payment amount and a payment method to be paid later through his mobile phone (210). Then, when payment is requested later, the payment processing system 10 approves the payment and transmits approval information (211). When the approval for the future payment is completed, the subsequent payment is paid to the representative representative (212).

5 is a third embodiment of the system according to the present invention, instead of inputting a mobile phone number to the co-payment terminal as described above, shows an embodiment of using a co-payment payment program installed in the mobile phone.

In order to do the co-sharing, all the co-owners take out their mobile phones and execute the co-sharing payment program (300). In the case of this embodiment, all sharers must install a dedicated co-payment payment program on their mobile phones. After executing the co-payment payment program, enter the merchant's merchant number and the amount to be shared here, and select the payment method to pay (301). When payment approval is made, approval information is transmitted (302), and a receipt is outputted from the co-payment payment terminal 20 installed in the store, one of the distributors receives the receipt and finally confirms and signs (303). At this time, the individual receipts are each received by email registered in the payment processing system 10 in advance. If the e-mail is not registered or changed, registration and change can be made through the co-payment program of the mobile phone or the web page of the co-payment processing system 10, and access to the co-payment processing system 10 You can set to view past receipts.

Subsequent processes are the same as those of FIGS. 3 and 4. That is, if a payment is selected later among the sharers (304), the sharer selects a payment amount and a payment method to be paid later through his mobile phone (305). Then, if payment is requested later, the payment processing system 10 approves the payment and transmits the approval information (306). When the approval for the future payment is completed, the payment is then made to the representative representative (307).

In the case of this embodiment, the co-payments can be made easily by pre-registering with the payment processing system without the troublesome input of their mobile phone numbers. However, all the participants must have registered in advance in the payment processing system.

The technical scope of the present invention described through the above embodiments is not limited to the above-described embodiments, and it can be variously modified and modified without departing from the spirit and scope of the present invention. Now it is clear. Therefore, such modifications or modifications will have to belong to the claims of the present invention.

For example, the technical idea of the present invention can be applied when purchasing goods through an offline affiliate store based on a mobile phone, but payment may also occur in an online store such as an internet shopping mall. In the case of online, a representative sharer makes a payment and then requests a share share payment from the sharer through a web page that implements a shared share payment processing system. This represents an example of a method in which the online store and the co-payment processing system of the present invention are linked to payment. In addition, if the Wibro service is generalized in the future, it will be possible to process payments related to purchase of goods through a wireless phone through a wireless Internet.

In addition, the above-described configuration of the present invention can be implemented by a computer and a mobile communication program. That is, each configuration module can be implemented as a program and stored in a recording medium to construct a payment processing system and installed in a user's mobile phone terminal for use. At this time, the technical scope of the present invention also extends to the recording medium recording these programs.

Those of ordinary skill in the art to which the present invention pertains will appreciate that the present invention may be implemented in other specific forms without changing its technical spirit or essential features. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. The scope of the present invention is indicated by the scope of the claims, which will be described later, rather than the detailed description, and all the modified or modified forms derived from the meaning and scope of the claims and their equivalent concepts are included in the scope of the present invention. Should be interpreted. In addition, the operational order of the components described in the above-described process does not necessarily have to be performed in chronological order, and even if the order of performance of each component and step is changed, these processes will fall within the scope of the present invention. Of course it can.

10: Co-payment payment processing system 11: User module
12: Membership management module 13: Shared payment module
14: affiliate management module 15: payment management module
16: Manager module 17: Database
20: co-payment terminal 30: payment company
40: representative share 50: share 1
50 ': Contributor 2

Claims (9)

As a method of jointly sharing the cost that multiple buyers have to pay to the seller through a shared payment processing system,
1) Pre-registering a seller (hereinafter referred to as a franchise) and a buyer (hereinafter referred to as a “shareholder”) who wants to share in a payment processing system to grant identification data;
2) When a large number of sharers who want to make a joint share transmit the total share amount to be paid to the merchant and the identification data assigned to each to the settlement processing system, the settlement processing system receives it to perform the approval process,
3) When the sharers select the amount to be paid and the payment method to be sent to the payment processing system and request payment, the payment processing system includes the steps of performing payment processing according to the payment request sent by each distributor,
Step 2) is
Transmitting the identification data given to the representative to the payment processing system, and performing the payment approval processing for the representative distribution, and the remaining sharers transmit their identification data to the payment processing system And performing payment approval processing for these sharers.
According to claim 1,
The shared data payment method, characterized in that the identification data of step 1) is the individual's mobile phone number.
According to claim 1,
Co-payment method, characterized in that the identification data of the step 1) is an ID number assigned to the merchant.
According to claim 1,
As a subsequent step of step 3),
When some of the above-mentioned distributors choose to pay later instead of paying directly at the store, the relevant distributor selects an amount to be paid later and a payment method through his mobile phone, and requests payment later. The payment processing system 10 further includes the step of performing approval for the payment and transmitting the approval information, and when the approval for the future payment is completed, the step of paying the subsequent payment to the representative representative. Way.
A computer recording medium containing a program for implementing the method according to any one of claims 1 to 3 to 5.
In order to handle the task of jointly sharing the cost to be paid by other users to other users, the above users are registered to grant usage rights to each, and the co-payment processing is performed at the request of the registered users. Includes a shared share payment processing system (hereinafter referred to as a payment processing system),
This payment processing system,
Means for granting identification data by pre-registering sellers (hereinafter referred to as merchants) and buyers (hereinafter referred to as “sharers”) who want to share among users who have been granted use rights;
Means for performing the approval process by receiving the total share amount to be paid to the affiliated store and the identification data assigned to each, transmitted by a large number of sharers who wish to share;
A shared-sharing payment system that includes a means for each sharer to select the amount of payment to be paid and a payment method to receive, and to process payments according to payment requests sent by each sharer.
The method of claim 6,
The shared-sharing payment system, characterized in that the total shared amount and identification data transmitted by the user to the payment processing system are transmitted through a shared-sharing payment terminal (hereinafter referred to as a payment terminal) accessing the payment processing system.
The method of claim 7,
The payment terminal is a shared-sharing payment system, characterized in that the mobile phone.
The method of claim 7,
The payment terminal is a shared wireless payment system, characterized in that the wireless Internet phone.

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