KR20200096190A - Method and apparatus for unifying heterogeneous electronic payment services - Google Patents

Abstract

The present invention relates to an integrated service method and a device thereof, which allow a payment in a store even when a plurality of purchasers desire to purchase a product or a service in the same store and a some of the purchasers use an electronic payment service which is not supported by the store or an information communication device carried by some of the purchasers does not have an interface function with a device for confirming a payment intention installed in the store. The integrated service method of the present invention comprises a step of receiving, by an integrated service server, a payment intention of a purchaser through a tagging means provided by a store, performing, by a first purchaser, a payment using a first payment service after the integrated service server receives order information from a store device, receiving, by the integrated service server, a first payment service payment result of the first purchaser, performing, by a second purchaser, a payment using a second payment service which is heterogeneous from the first payment service used by the first purchaser, and integrating, by the integrated service server or the store device, a payment result of a first payment service user who is the first purchaser with that of a second payment service user who is the second purchaser.

Description

TECHNICAL FIELD [Method and apparatus for unifying heterogeneous electronic payment services]

The present invention relates to a method and apparatus for integrating and processing payments of buyers who use different electronic payment services at the same store.

Today, various services that enable mobile ordering or payment are emerging. In particular, a tagging method based on NFC (Near Field Communication) technology or a mobile electronic payment service application using a barcode or QR code has recently been in the spotlight. However, as various electronic payment services are released, there are various electronic payment services that support stores that sell products or services. Therefore, buyers have to know in advance which electronic payment service is available at which store. In addition, even if the buyer knows which e-payment service is available at which store, it is practically difficult to always select and use only the store that supports the e-payment service to which he or she subscribes. Therefore, there is a problem that buyers have to endure the hassle of signing up for a number of electronic payment services that overflow in order to enjoy more convenient shopping.

In the present invention, when a plurality of purchasers want to purchase a product or service as described above, even if a store selling the product or service does not support the electronic payment service used by some of the plurality of purchasers, the partial purchaser uses It is intended to provide a method and apparatus for enabling payment by electronic payment service.

In the present invention, even if all of the plurality of purchasers use the electronic payment service supported by the retailer, some of the information and communication devices possessed by the purchaser do not have an interface function with a device for confirming payment intention installed at the retailer. An object of the present invention is to provide a method and an apparatus for allowing some of the buyers to make payments with the electronic payment service they use.

The present invention can be implemented in the following examples.

According to an embodiment of the present invention, in an integrated service method for processing electronic payments of a plurality of purchasers, an integrated service server connects at least two of the purchasers connected to the integrated service server to form a purchaser group, An order information receiving step of receiving product or service order information for at least one store of the members of the purchaser group, a payment information receiving step of receiving payment information related to a payment service selected by the members of the purchaser group, and receiving from an unsupported purchaser Payment information conversion step of converting the unsupported payment information to supported payment information, a payment intention confirmation step of receiving payment intention confirmation information generated by one or more representative buyers among the members of the buyer group, and placing an order included in the order information A payment information delivery step of delivering payment information for the purpose, wherein the non-supported purchaser is a purchaser who selects a non-supported payment service, an electronic payment service not supported by the retailer, among members of the purchaser group, and the non-supported payment information is the received Among payment information, payment information used for payment in the non-supported payment service, the supported payment information is payment information used in a supported payment service, an electronic payment service supported by the retailer, and the payment intention confirmation information is As information for confirming payment intention of all members, it is characterized in that it is information received by the retailer device through tagging of an information communication device possessed by one of the members of the purchaser group.

In one embodiment of the present invention, an order information sharing step of sharing the received order information with all members of the purchaser group in real time, an order information determination step of determining order information of the members of the purchaser group and members of the purchaser group , A single order generation step of generating single order information using the determined order information, and an order information delivery step of transmitting the single order information to a store device used by a store selling the product or service, wherein the The single order information includes the representative purchaser information, and allows the retailer to perform payment using the transmitted single order information.

In one embodiment of the present invention, in the step of converting the payment information, the integrated service server performs the first payment with the non-supported purchaser, and a third party recognizable by the supported payment service server is a member of the purchaser group instead of the non-supported purchaser. It is characterized in that it is set to.

In one embodiment of the present invention, the step of converting the payment information is characterized in that the integrated service server performs payment on behalf of the non-supported purchaser according to a contractual relationship concluded with the retailer.

In one embodiment of the present invention, the step of converting payment information is characterized in that the integrated service server directly connects to a payment institution connected to the retailer to perform payment on behalf of the non-supported purchaser.

An embodiment of the present invention is characterized in that the payment intention confirmation information is arrival information indicating the fact that the representative purchaser has arrived within a certain distance range from the store.

An embodiment of the present invention is characterized in that the arrival information is received by the integrated service server from the information communication device or the retail store device possessed by the representative purchaser that has recognized the distance information of the representative purchaser.

An embodiment of the present invention is characterized in that some or all of the members of the purchaser group are purchasers designated by a specific purchaser.

An embodiment of the present invention is characterized in that some or all of the members of the purchaser group have a history of using the integrated service with each other for the same store.

An embodiment of the present invention is characterized in that some or all of the members of the purchaser organization are members of a specific service provider rather than the integrated service.

An embodiment of the present invention is characterized in that the payment information is received by being included in the order information.

An embodiment of the present invention is characterized in that the order information in the order information receiving step, the payment information in the payment information receiving step, and the payment intention confirmation information in the payment intention confirmation step are received from the retailer device. do.

According to an embodiment of the present invention, in an integrated service method for integrating payments of a plurality of purchasers, an integrated service server is a step of forming a purchaser group by connecting at least two of the purchasers connected to the integrated service server, and the purchaser Order information receiving step of receiving order information for goods or services from members of the group and sharing the received order information with all members of the purchaser group in real time, members of the purchaser group and members of the purchaser group An order information determination step of determining order information, a single order generation step of generating single order information using the determined order information, payment information related to the electronic payment service selected by members of the purchaser group from members of the purchaser group A payment information receiving step of receiving, a first payment step of performing payment through a supported payment service between a support buyer and the integrated service server, a first payment step of performing payment through an unsupported payment service between a non-supporting purchaser and the integrated service server 2 Payment step, payment intention confirmation step of receiving payment intention confirmation information generated by one or more representative buyers among the members of the buyer group, and the support payment service between the integrated service server and a store selling the product or service. A third payment step of performing payment through, wherein the support purchaser is a purchaser who selects a support payment service, which is an electronic payment service supported by the retailer among members of the purchaser group, and the non-support purchaser is a member of the purchaser group. The purchaser is a purchaser who has selected a non-supported payment service, an electronic payment service that the retailer does not support, and the payment intention confirmation information is information confirming the payment intention of all members of the purchaser group, and one representative purchaser among the members of the purchaser group It is characterized in that the information is received by the device through the tagging of the information communication device possessed.

According to an embodiment of the present invention, in an integrated service method for integrating payments of a plurality of purchasers, the integrated service server connects at least two of the purchasers connected to the integrated service server to form a purchaser group, at least one Receiving at least one of order information or payment processing results for products or services ordered by members of the purchaser group from the electronic payment service server at, and payment intention confirmation information generated by at least one representative purchaser among the members of the purchaser group A payment intention confirmation step of receiving, transmitting at least one of the received order information or the received payment processing result to a store device used by a store that sells the product or service, and the electronic payment service server supported by the store A payment completion step of delivering payment information to the purchaser, wherein the payment intention confirmation information is information confirming the payment intention of all members of the purchaser group, and an information communication device possessed by one representative purchaser among the members of the purchaser group It is characterized in that the information is received through the tagging of the store device.

According to an embodiment of the present invention, the integrated service server receives at least one of order information or payment processing results for products or services ordered by members of the purchaser group from a plurality of electronic payment service servers, and the plurality of electronic payment services The server is characterized in that the server is operated by different electronic payment services.

In one embodiment of the present invention, the integrated service server includes at least one of order information or payment processing information for a product or service ordered by members of the purchaser organization from one electronic payment service server or a plurality of servers providing the same electronic payment service. It is characterized by receiving one.

According to an embodiment of the present invention, in an integrated service method for processing electronic payments of a plurality of purchasers, an integrated service server connects at least two of the purchasers connected to the integrated service server to form a purchaser group, An order information receiving step of receiving product or service order information for at least one store of the members of the purchaser group, a payment information receiving step of receiving payment information related to a payment service selected by members of the purchaser group, and the order information Including a payment information delivery step of delivering payment information for the included order, wherein the product or service order information is integrated from the retailer device when payment intention confirmation information is transmitted to the retailer device from one of the members of the purchaser group. Information received from the service server, and the payment intention confirmation information is information confirming the payment intention of all members of the purchaser group, and the retailer through tagging of an information communication device possessed by one of the members of the purchaser group It is characterized in that the information is received by the device.

An embodiment of the present invention is characterized in that the product or service order information is information input to the retail store device for each purchaser without passing through the information communication device of the purchaser.

According to an embodiment of the present invention, the product or service order information input to the store device is input for each purchaser using a purchaser identifier, and the purchaser identifier is part of the purchaser's personal information or is generated when the purchaser group is formed. It is characterized by being a temporary identifier for each purchaser.

An embodiment of the present invention is an integrated service server that provides an integrated service for integrating payments of a plurality of purchasers, a communication unit that exchanges information with devices outside the integrated service server, and a purchaser using the integrated service to provide a product or service. A payment service determination unit that determines whether a retailer to purchase supports the electronic payment service used by the purchaser, a storage unit that stores information generated or required in providing the integrated service, and a purchaser using the integrated service When placing an order through the integrated service server, an order information processing unit for processing the order, and a control unit for interlocking and controlling the communication unit, storage unit, payment service determination unit, and order information processing unit, the order information processing unit Group information is generated and transmitted to the store through the communication unit, and payment intention confirmation information for all purchasers belonging to the purchaser group is received from one representative purchaser among the purchasers.

In one embodiment of the present invention, when the electronic payment service used by the purchaser using the integrated service is an electronic payment service that is not supported by the store where the purchaser intends to purchase a product or service, the integrated service server provides the integrated service. Further comprising a purchase agency processing unit for performing an order and payment for the product or service through a purchase agency method for the purchaser using the name of the company, and the order information processing unit from one or more representative purchasers among the plurality of purchasers. It is characterized in that it is determined whether or not payment intention confirmation information has been received, and when the payment intention confirmation information is received, the details of a product or service ordered by the plurality of buyers are transmitted to the retailer device through the communication unit.

The present invention has the effect of enabling payment at the retailer even when some of the plurality of purchasers who purchase goods or services together at the same retailer do not use the electronic payment service supported by the retailer.

In the present invention, even if information communication devices such as smartphones possessed by some of the plurality of purchasers who purchase goods or services together at the same store cannot use the electronic payment interface device installed at the store, payment can be made at the store. There is an effect to make.

1 is a flow chart showing an integrated service method according to an embodiment of the present invention.
2 is a flow chart showing an integrated service method according to an embodiment of the present invention.
3 is a flow chart showing an integrated service method according to an embodiment of the present invention.
4 is a flow chart showing an integrated service method according to an embodiment of the present invention.
5 is a flow chart showing an integrated service method according to an embodiment of the present invention.
6 is a flow chart showing an integrated service method according to an embodiment of the present invention.
7 is an integrated service server according to an embodiment of the present invention.

Hereinafter, an embodiment of the present invention will be described with reference to the accompanying drawings.

1 is a flow chart showing an integrated service method according to an embodiment of the present invention. In this embodiment, a situation in which a plurality of buyers order a product or service to a store through an application program (hereinafter referred to as an'integrated service app') that provides an integrated payment service installed on an information communication device such as a smartphone they possess. Is assumed. In addition, in this embodiment, the plurality of purchasers are provided with a purchaser (hereinafter referred to as a ``supported purchaser'') using an electronic payment service (hereinafter referred to as a ``supported payment service'') supported by the retailer, and an electronic payment that the retailer does not support. It is assumed that a situation where a purchaser (hereinafter referred to as a ``non-supported purchaser'') who uses the service (hereinafter referred to as ``non-supported payment service'') is also included. For reference, the payment service is not limited to a service that performs only payment processing, but collectively refers to a service in which a subject other than the retailer processes at least a part of the entire process from the purchaser's order to payment.

In the embodiment shown in FIG. 1, a supported purchaser and a non-supported purchaser who wish to purchase a product or service at a specific store each log in after running the integrated service app installed on the information communication devices 1000 and 2000 that they possess.

The log-in information of the supported and non-supported buyers is transmitted to the integrated service server 4000, and the integrated service server 4000 uses the received log-in information to a purchaser group consisting of a purchaser with the supported and non-supported purchasers as members. Create The login information may include various information such as the type of electronic payment service used by each purchaser and a purchase history, and the purchaser group may be formed such that some or all of its members are purchasers designated by a specific purchaser. In addition, some or all of the members of the buyer group may be those who used the integrated service for the same store. In addition, some or all of the members of the purchaser organization may be those who have joined a specific service provider as a member.

Subsequently, the integrated service server 4000 receives order information of each of the support purchaser and the non-support purchaser from the information communication device 1000 of the support purchaser and the information communication device 2000 of the non-support purchaser. The received order information may include information such as the type and quantity of products or services selected by each purchaser.

Whenever order information is received, the integrated service server 4000 may share the content with all members of the purchaser organization. This allows each member of the buyer's organization to change the order details by referring to the order information of other members. Order content sharing may be performed in real time or may be performed according to specific conditions set in advance.

Subsequently, the integrated service server 4000 finalizes the members of the purchaser group to proceed with the purchase and order information of each member, and generates a single order using the order information of each purchaser. The single order is a collection of orders from several buyers so that the retailer can process the order contents at once, and the specific form of the information itself can be determined differently depending on the order processing method of the retailer.

Subsequently, the integrated service server 4000 receives payment information from each member of the purchaser organization. The received payment information may include a type of electronic payment service selected by each purchaser, authentication information, and the like. The received payment information may be included in the order information and received.

Subsequently, the integrated service server 4000 extracts the non-supported purchaser from the payment information received from the purchasers or the purchaser's login information, and for the non-supported purchaser, the product or service ordered by the non-supported purchaser is sold by an integrated service company instead of the original store. And converts the payment information of the non-supported buyer into payment information that can be processed by the supported payment service. And the buyer group replaces the non-supported buyer with an integrated service company.

When the processing for non-supported buyers is finished and the payment intention confirmation information generated by the representative buyer selected among the members of the buyer group is received, the integrated service server 4000 transmits a single order to the store device, and the payment information is sent to the supported payment service server 5000 ). The payment intention confirmation information may be transmitted from an information communication device possessed by a representative purchaser or may be transmitted from the retailer device 3000. The payment intention confirmation information may be arrival information indicating that the representative purchaser has directly arrived at the store site, and this arrival information indicates the arrival of the representative purchaser by the information communication device or the retailer device 3000 of the representative purchaser. It is also possible to create by recognizing. In this way, even orders from non-supported buyers can be settled through the support payment service along with orders from support buyers.

Meanwhile, the non-supported purchaser may choose to entrust payment to another purchaser belonging to the same purchaser group and using the supported payment service instead of using the non-supported payment service as a payment method through the integrated service app. In this case, the integrated service server does not act as a purchase agent for the product or service ordered by the non-support purchaser, and processes it as the order details of the support purchaser entrusted with payment.

2 is a flow chart showing an integrated service method according to another embodiment of the present invention.

The difference between the embodiment shown in FIG. 2 and the embodiment shown in FIG. 1 is that not only non-supporting buyers but also support buyers perform orders and payments for products or services for integrated service companies other than retail stores, and integrated service companies support The point is that orders and payments for goods or services are made to the store instead of the buyer. In other words, the integrated service company acts as a retailer for both supported and non-supported purchasers. Therefore, in this embodiment, unlike the embodiment shown in FIG. 1, the integrated service server 4000 transmits the payment information received from the support purchaser to the support payment service server 5000 to make a payment request and the support payment service server 5000 It includes a payment step of receiving payment approval from In addition, when the order information received from the supported and non-supported purchasers and the payment information available in the supported payment service corresponding to the order information are transmitted to the store, the store transmits the corresponding payment information to the support payment service server 5000 When the payment request is made, the support payment service server 5000 includes a payment step of approving payment.

3 is a flow chart showing an integrated service method according to another embodiment of the present invention.

The embodiment shown in FIG. 3 shows an embodiment in which the integrated service server 4000 does not directly receive order information and payment information from buyers. That is, in the embodiment shown in FIG. 3, it is assumed that the integrated service app does not support the order function, but only supports the payment function.

Therefore, in this embodiment, order information and payment information of each purchaser are directly transmitted to the electronic payment service server used by each purchaser rather than the integrated service server, and each electronic payment service server (5000, 6000) receives the received order information and payment information. After processing the payment using, the result information is transmitted to the integrated service server 4000.

When the payment intention confirmation information of the representative buyer selected among the members of the purchaser group is transmitted to the retail store device 3000, the retail store device 3000 transmits the payment intention confirmation information back to the integrated service server 4000, and the payment intention confirmation information The integrated service server 4000 receives the order information of each purchaser and the payment is completed by transmitting information indicating that payment for the corresponding order has been approved to the store device 3000. Here, the payment intention confirmation information may be transmitted by tagging using an NFC function mounted on the information communication device possessed by the representative purchaser. In addition, the information may be transmitted by displaying a barcode or a QR code on the screen of the information communication device and reading the corresponding information using a reader installed at the store. In addition, as long as information can be transferred between the information communication device of the representative purchaser and the device 3000 installed at the store, it is irrelevant to any method of transmitting the payment intention confirmation information, and the claim of the present invention is limited by the method. no.

In this embodiment, not only when some of the buyers use electronic payment services that are not supported by the store, but all of the buyers use the electronic payment service supported by the store, but the information and communication devices of some buyers are paid at the store. It can be applied even if the function to confirm the intention is not provided. That is, the first payment service and the second payment service may be the same payment service. In this case, the non-supported purchaser includes purchasers who have information and communication devices that do not have a function to confirm payment intention at the store.

4 is a flow chart showing an integrated service method according to another embodiment of the present invention.

The embodiment illustrated in FIG. 4 assumes a situation in which a support purchaser and a non-support purchaser directly place an order from a store to a store clerk, and the clerk inputs the order details to the store device 3000.

Accordingly, in this embodiment, order information and payment information determined offline are directly input to the retail store device 3000, and the input order information and payment information are transmitted from the retail store device to the integrated service server. The order information and payment information may be integrated and transmitted at a time or may be transmitted individually.

The integrated service server 4000 is the original retailer of the product or service ordered by the non-supporting purchaser for the product or service ordered by the non-supporting purchaser as in the embodiment shown in FIG. Instead, it is treated as being sold by an integrated service company instead, and the payment information of non-supported buyers is converted into payment information that can be processed by the supported payment service. And the buyer group replaces the non-supported buyer with an integrated service company.

As described above, after the processing of the order to the non-supported purchaser is completed, the representative purchaser, which is the support purchaser, transmits payment intention confirmation information to the retailer device 3000 using NFC-based tagging or barcode method. In some cases, it is also possible for the payment intention confirmation information to be transmitted to the integrated service server 4000 before processing the order of the non-supported purchaser.

When the store device transmits the payment intention confirmation information to the integrated service server 4000, the support payment service server 5000 approves the payment, thereby completing the payment for all purchasers.

5 is a flow chart showing an integrated service method according to another embodiment of the present invention.

In the embodiment illustrated in FIG. 5, when a plurality of purchasers directly order from a sales store together with a sales clerk, the clerk inputs the order details to the sales store device 3000. An example of a buyer placing an order from a store clerk at a store is to sit down at a restaurant or café and place an order to a clerk, or to pass purchase information to a cashier at a cashier at a store such as a convenience store. Or any method carried out directly by the employee).

Therefore, in this embodiment, order information (or purchase information) and payment information determined offline are directly input to the store device 3000, and the input order information (or purchase information) and payment information are transferred from the store device to the integrated service server. Is transmitted. In this case, the clerk may input order information (or purchase information) and payment information for each purchaser into the retail store device 3000 using the purchaser identifier. The buyer identifier may be a part of the personal information of the buyer, or a temporary identifier for each buyer that is generated with the formation of a buyer group is also possible. The input order information (or purchase information) may be transmitted to the integrated service server when one of the purchasers confirms the payment intention. The order information (or purchase information) and payment information may be integrated and transmitted at a time or may be transmitted individually.

The first payment service and the second payment service may be the same payment service or different payment services. The types of payment services are not limited to two types of payment services, the first payment service and the second payment service, but more types of payment services may be added.

The payment result processed by the first payment service server 5100 and the second payment service server 6100 is transmitted to the retailer device 3000 through the integrated service server 4000, and the payment result for each purchaser is transmitted to the integrated service server ( 4000), it is also possible to be delivered to the store device 3000, and wait until all the purchaser's payment results are delivered to the integrated service server 4000, and then send all the payment results to the store device 3000 at once. It is also possible to convey.

The integrated service server 4000 may analyze the received order information (or purchase information) and payment information, and transmit the corresponding order information (or purchase information) and payment information to a payment service server used by each purchaser.

Confirmation of payment intention performed by one of the purchasers may be performed using NFC-based tagging or barcode method using the information communication device of the purchaser.

In some cases, the payment intention confirmation information may be transmitted to the integrated service server 4000 or may not be transmitted. That is, it is possible to put the responsibility for finally confirming the payment intentions of all buyers on the store device 3000 or on the integrated service server 4000. However, the responsibility for confirming the payment intention is not limited to being placed only on the store device 3000 or the integrated service server 4000, and modifications may be made without departing from the gist of the present invention.

The above embodiments are merely examples to aid understanding of the present invention, and it is revealed that there is no intention to fix the order of each step of making the invention described in the claims. For example, in the embodiment shown in FIG. 1, the integrated service server 4000 creates a buyer group after receiving the login information of the buyer, but the buyer group is formed after receiving order information or payment information. It is also possible. As described above, each step constituting the invention may be connected in various orders within a range that does not impair the achievement of the object of the invention.

6 is a flow chart showing an integrated service method according to another embodiment of the present invention.

The embodiment shown in FIG. 6 is characterized in that when the integrated service server 4000 receives the representative buyer's intention to confirm payment from the store device 3000, the group purchaser information is transmitted to the seller device 3000 in response thereto. .

When one representative purchaser communicates the intention to confirm payment of the entire purchaser group to which the representative purchaser belongs to the retailer device 3000 through tagging or other various methods (whether online or offline), the retailer device 3000 provides an integrated service. It is transmitted to the server 4000.

The integrated service server 4000 transmits group purchaser information to the seller device 3000 in response to the received payment confirmation intention, and the group purchaser information includes purchaser identification information of all purchasers belonging to the corresponding purchaser group.

After confirming the payment intention of the representative buyer, if individual buyers place their order offline at the store (or deliver purchase information), the store clerk will provide the individual buyer's buyer identification information and the buyer identification information received from the integrated service server 4000. In preparation for this, the purchase item is input to the store device 3000 for each of the purchasers. The remaining steps are the same as the embodiment shown in FIG. 5.

7 is a block diagram showing the configuration of an integrated service server according to an embodiment of the present invention, a control unit 100, a communication unit 200, a payment service determination unit 300, a storage unit 400, an order information processing unit 500 ), and may further include a purchase agency processing unit 600.

The communication unit 200 communicates with an integrated service server and an external device such as an information communication device of a purchaser.

The payment service determination unit 300 determines whether or not a store to which a buyer who uses the integrated service wants to purchase a product or service supports the electronic payment service used by the buyer.

The storage unit 400 stores information such as membership registration information of purchasers who use the integrated service and types of electronic payment services used.

The order information processing unit 500 processes the order when a buyer who uses the integrated service places an order through the integrated service server using the integrated service app. For example, the order information received through the information communication device of the purchasers may be shared by other purchasers who are members of the purchaser group, or a single order is created using the received order information.

The order information processing unit 500 may also receive order information transmitted from the retail store device 3000 of the store, not the information communication device of the purchaser, and transmit the order information of each purchaser to the electronic payment service server used by each purchaser.

The purchase agency processing unit 600 performs a task of ordering and paying for a product or service ordered by the non-supporting purchaser in a purchase agency method using the name of the integrated service provider for the order of the non-supporting purchaser.

The device according to the present invention may include a processor, a memory for storing and executing program data, a permanent storage unit, a communication port for communicating with an external device, a touch panel, a user interface device such as a key, and the like. Methods implemented as software modules or algorithms may be stored on a computer-readable recording medium as computer-readable codes or program instructions executable on the processor. The computer-readable recording medium is distributed over networked computer systems, so that computer-readable codes can be stored and executed in a distributed manner.

The terms used in this specification are for explaining an embodiment of the present invention, and are not used to limit the scope of the present invention.

For the understanding of the present invention, reference numerals are given in the preferred embodiments shown in the drawings, and specific terms are used to describe the embodiments of the present invention, but the present invention is not limited by specific terms, and the present invention May include all components commonly conceivable to those skilled in the art.

The present invention can be represented by functional block configurations and various processing steps. These functional blocks may be implemented with various numbers of hardware or/and software configurations that perform specific functions. Similar to how the components of the present invention can be implemented with software programming or software elements, the present invention includes various algorithms implemented with a combination of data structures, processes, routines or other programming constructs, including C, C++ , Java, assembler, etc. may be implemented in a programming or scripting language. Functional aspects can be implemented with algorithms running on one or more processors. In addition, the present invention may employ conventional techniques for electronic environment setting, signal processing, and/or data processing. Terms such as mechanism, element, means, and configuration may be used widely, and are not limited to mechanical and physical configurations. The term may include the meaning of a series of routines of software in connection with a processor or the like.

For brevity of the specification, descriptions of conventional electronic configurations, control systems, software, and other functional aspects of the systems may be omitted. In addition, the connection or connection members of the lines between the components shown in the drawings are illustrative examples of functional connections and/or physical or circuit connections, and in the actual device, alternative or additional various functional connections, physical It can be represented as a connection, or circuit connections. In addition, if there is no specific mention, such as essential, important, etc., it may not be a necessary component for the application of the present invention.

Although the present invention has been described with reference to the embodiments shown in the drawings, this is only illustrative, and those of ordinary skill in the art to which the present technology pertains, various modifications and other equivalent embodiments are possible. I will understand. Therefore, the true technical protection scope of the present invention should be determined by the following claims and their equivalents.

100: control unit 200: communication unit
300: payment service determination unit 400: storage unit
500: order information processing unit 600: purchasing agency processing unit
1000: Supported purchaser information communication device 2000: Non-supported purchaser information communication device
3000: store device 4000: integrated service server
5000: supported payment service server 6000: non-supported payment service server
1100: First payment service user information communication device
2100: Second payment service user information communication device
5100: first payment service server 6100: second payment service server

Claims (6)

In the method of integrated processing of payment information using heterogeneous electronic payments of multiple buyers,
In a state in which order information and payment information for ordering and payment of goods or services to the stores of the first and second buyers connected to the integrated service server are input to the store device installed in the store, the integrated service server And receiving the order information and the payment information from the retailer device as payment intention confirmation information is confirmed through tagging of the retailer device of at least one of the second buyers,
The order information and payment information are confirmed offline at the store,
The order information and payment information is intended to be paid through order information and payment information received from the first purchaser to be paid through a first payment service, and a second payment service that is different from the first payment service. Comprising the order information and payment information received from the second purchaser;
When the order information and payment information are received, the integrated service server transmits the order information and payment information of the first purchaser to the first payment service server so that payment of the first and second purchasers can be completed. Transmitting the order information and payment information of the second purchaser to a second payment service server; And
Receiving, by the integrated service server, payment results of the first and second purchasers from the first and second payment service servers, respectively;
Including,
Some or all of the first and second purchasers are members of a third service provider, not the integrated service provided by the integrated service server,
After receiving each of the payment results,
Transmitting, by the integrated service server, a corresponding payment result to the retailer device whenever the first and second payment results are received; or
Integrating, by the integrated service server, the received first and second payment results and transmitting them to the retailer device;
Method for integrating payment information using heterogeneous electronic payments of multiple buyers, characterized in that it further comprises.
The method of claim 1,
The first payment service is a supported payment service that is an electronic payment service supported by the retailer, and the second payment service is a non-supported payment service that is an electronic payment service that the retailer does not support. ) How to integrate payment information using electronic payment.
The method of claim 1,
In the step of receiving the order information and the payment information, a heterogeneous electronic of a plurality of buyers, characterized in that the integrated information in which all order information and payment information input to the retail store device are integrated is received from the retail store device. How to integrate payment information using payment.
The method of claim 1,
Forming a buyer group by connecting a plurality of buyers including the first and second buyers connected to the integrated service server;
Method for integrating payment information using heterogeneous electronic payments of multiple buyers, characterized in that it further comprises.
The method of claim 4,
The payment intention confirmation information is information confirming the payment intention of all members of the purchaser group, characterized in that the at least one purchaser is identified through short-range wireless communication, a barcode, or a tagging using a QR code on the store device. A method of integrating payment information using heterogeneous electronic payments of multiple buyers.
As an integrated service server that integrates and processes payment information using heterogeneous electronic payments of multiple buyers,
In a state in which order information and payment information for ordering and payment of goods or services to the stores of the first and second buyers connected to the integrated service server are input to the store device installed in the store, the integrated service server As at least one of the first and second buyers confirms payment intention confirmation information through tagging on the store device, the order information and the payment information are received from the store device, and-Here, the order information and payment The information is determined offline at the retailer, and the order information and payment information includes order information and payment information received from the first buyer who wishes to pay through the first payment service, and different types from the first payment service ( Including order information and payment information received from the second purchaser who wishes to pay through the second payment service, which is a current)-
When the order information and payment information are received, the order information and payment information of the first purchaser are transmitted to the first payment service server so that the payment of the first and second purchasers can be completed, and the order of the second purchaser Transfers information and payment information to the second payment service server,
Receiving payment results of the first and second purchasers from the first and second payment service servers, respectively,
Some or all of the first and second purchasers are members of a third service provider, not the integrated service provided by the integrated service server,
The integrated service server, after receiving the payment results of the first and second purchasers, respectively, transmits the payment result to the retailer device whenever the first and second payment results are received, or the received payment result An integrated service server that integrates and processes payment information using heterogeneous electronic payments of a plurality of buyers, characterized in that the first and second payment results are integrated and transmitted to the retailer device.

Images