KR20200133561A - Method for providing payment benefit based on delay payment - Google Patents

Abstract

By bundling payment cases of users, who request delayed payment, more benefits can be provided to users, and payment companies such as credit card companies can provide benefits by determining more specific targets. In addition, the bundle payment can be provided so that the most reasonable benefits can be received by determining the benefits at a point later than a point when the payment is made even for the payment of the users requesting the delayed payment.

Description

Method of providing payment benefits based on delayed payment {METHOD FOR PROVIDING PAYMENT BENEFIT BASED ON DELAY PAYMENT}

The present invention relates to a method of providing payment benefits based on delayed payment, and more specifically, the decision on benefits for card payment approval is not determined at the time of payment approval, but is made at a time corresponding to a benefit deadline later than the time of payment approval. , It is an invention of a method to provide greater payment benefits.

People carry multiple cards. Looking at the cash usage rate in 2017, China's 65%, Japan 50%, and Korea 10% accounted for the overwhelmingly low rate of cash usage in Korea, indicating that other payment methods such as cards accounted for 90%. It is the highest country. Card companies induce card use by providing the benefits of card use in the form of affiliate points, card self points, specific business or affiliate store points, instant discount or billing discount.

However, when actually paying, you don't know which card is the best for you, and you can't compare them on the spot, and you can't remember all the benefits each card offers. There is no way to easily know the most advantageous cards in various situations.

Existing payment methods for various cards including credit cards are physical cards, or USIM-type mobile cards or App-type mobile cards provided by each credit card company or financial company such as banks are used. Since each payment is made separately, the user cannot compare with each other which card is advantageous in what circumstances.

The present invention is to solve the problems of the prior art described above, and an object of the present invention is to provide a service platform for receiving discount benefits by bundling delayed payment requests upon payment.

The problem of the above-described prior art, as well as the recommendation method to know the card that can receive the benefits, as well as by determining and receiving the benefits at a later point than the time of payment, so that more efficient and advantageous payment benefits can be provided. There is a purpose.

As a technical means for achieving the above technical problem, according to an embodiment of the present invention, a method for providing payment benefits based on delayed payment performed by a server includes the steps of: (a) receiving connection request information from a terminal; (b) receiving card information to be paid for the connection request information from the terminal after the time point when the connection request information is received; And (c) transmitting the card information and the contact connection request information to a card company server, so that a result of approval or not is provided to the terminal. Including, wherein the delayed payment request information is information requesting that payment approval is made after the payment request input time, and includes at least one of one or more card information, payment target information, payment amount, and payment deadline, The benefit period for the benefits that can be received through credit card payment and the benefits conditions corresponding to the minimum conditions for achieving the benefits are provided to the terminal before step (b) above, and the benefit decision for approval of card payment is payment approval. It may not be determined at a time and may be made at a time corresponding to the benefit period that is later than the payment approval time.

At this time, when receiving a plurality of connection request information from one terminal, step (b) includes providing a list of a plurality of connection request information and a total sum of payment amounts in the plurality of connection request information to the terminal. step; Comparing the individual bundle payment benefit conditions for each card company, a list of a plurality of G-connection request information, and the total amount of payments in the plurality of G-connection request information, when the plurality of G-connection request information was paid based on a specific card. Calculating a benefit result for each card company and providing the result to the terminal; And receiving, from the terminal, a signal for selecting to pay with any one specific card for the plurality of connection request information. It may further include.

In addition, in the step (b), when a benefit condition that can be provided when payment is made with the same card company's card from a plurality of terminals before step (b) is provided in advance, the same card company's card is selected from the plurality of terminals. In the case of receiving the signal, it may include the step of requesting payment approval by providing the plurality of terminals and card selection information to the card company server.

At a second point between the first point and the point of determination of the payment benefit, which is the point of request for payment approval of the plurality of terminals, a request for approval of payment from a plurality of other terminals based on the card of the same card company is additionally generated. In this case, the payment benefit based on the first time point and the payment benefit based on the second time point may be different.

The amount of the payment benefit at the second time point may be greater than the amount of the payment benefit at the first time point, and before step (b), information on the conditions and deadlines for the group bundle payment benefit and the condition for the benefit Providing to each of the plurality of terminals the number of terminals to be additionally satisfied to achieve an achievement rate of and benefits; It may further include.

Information on the conditions and deadlines for the group bundle payment benefit is provided to the card company server after providing list information on a plurality of terminals that have performed payment requests for the same category to the card company server, and then received from the card company server and provided to the terminal. Can be.

A step in which the first user transmits information necessary for payment including a first payment object and an amount to a server at a first time point and requests payment to complete payment processing; A step in which a second user transmits information necessary for payment including a second payment object and amount to a server at a second time point and requests payment to complete payment processing; Further comprising, wherein the final payment benefit or amount to which all the benefits that can be provided in the payment processing of the first user at the first point are applied, when the payment processing at the second point of time of the second user is completed, It may be different from the final payment benefit or amount to which all the benefits that can be provided in the payment processing of the first user are applied.

When the connection request information includes card information, in step (b), the card information included in the connection request information may be modified or maintained as it is, and after step (b) , There are a plurality of payment benefits for one card, the benefit period of the first payment benefit among the plurality of payment benefits expires before step (b), and the benefit of the second payment benefit among the plurality of payment benefits When the deadline expires after step (b), selecting one of the first and second payment benefits and applying the payment benefit; It may further include.

In this case, in selecting the first and second payment benefits, a payment benefit capable of receiving a greater benefit may be applied by comparing the first and second payment benefits, and the first and second payment benefits In selection, information on the first and second payment benefits can be provided to the terminal and applied according to the selection input of the terminal.

After the step (a) and before the step (b), it may further include providing a reminder to the terminal for requesting to select a payment card for the connection request information at a preset time point, wherein the It may further include the step of receiving a benefit corresponding to the connection request information from the card company server, and providing it to the terminal, and a search result for the benefit corresponding to the connection request information according to the request result of the terminal It may further include providing to the terminal.

The step (a) further includes receiving an input for a specific benefit and benefit condition from the terminal, and after the step (a), before the step (b), the delay corresponding to the benefit condition Searching for payment request information and extracting a search result; Comparing the search result with the benefit condition, and determining whether it is met; And when the search result satisfies the benefit condition, providing the terminal connection request information and the specific benefit corresponding to the search result. It may further include.

When accessing the server through an administrator terminal, at least one of a list of requests for a connection request by card company of a plurality of terminals, a list of requests for connection requests by deadline, a list of requests for connection requests by category, and a list of requests for connection requests by amount Information on the list can be provided to the manager terminal.

When receiving a search request from the manager terminal under a specific condition, providing a list of connection request requests to a plurality of terminals corresponding to the condition; Receiving benefit information from the manager terminal and retrieving a local connection request request corresponding to the benefit information from the list of the local connection request requests; And when receiving an input for applying the benefit information from the manager terminal, providing the benefit information to a plurality of terminals that have provided a connection request request corresponding to the benefit information. It may further include.

In the step (a), a plurality of connection request information is received from a first user terminal at a first time point, and in step (c), a process result of approval of card payment to the first user terminal and a first Provide payment benefits, receive a plurality of connection request information from a second user terminal at a second time point after the first time point, and process result and second payment for approval of card payment to the second user terminal Providing information about benefits; And according to the processing result of the payment request at the second time point, a payment request to which a payment benefit can be applied among the payment request at the first time point is identified, and the first user terminal is updated by reapplying the payment benefit. 1 It may further include the step of providing information on payment benefits.

The first payment benefit and the result or payment amount according to the updated first payment benefit may be different from each other.

In addition, according to an embodiment of the present invention, a server performing a method for providing payment benefits based on delayed payment includes a memory storing a program for providing payment benefits based on delayed payment; And a processor executing the program, wherein the processor receives the connection request information from the terminal according to the execution of the program, and after the time when the terminal connection request information is received, the terminal connection request information Receiving card information to pay for the information, transmitting the card information and the connection request information to the card company server, and the result of the approval or not is provided to the terminal, the delayed payment request information, the payment request input time It is information requesting that payment be approved afterwards, and includes at least one of one or more card information, payment target information, payment amount, and payment deadline, and the benefit period and benefits for benefits that can be received through card payment. The benefit condition corresponding to the minimum condition to achieve is provided to the terminal before the time when the card information is received, and the benefit decision for credit card payment approval is not determined at the time of payment approval and is later than the time of payment approval. It can be made at the time corresponding to.

In addition, a method and system for providing bundled payment benefits performed by a server according to an embodiment of the present invention include: (a) information required for payment including a first payment object and amount at a first time point from a first user terminal. And receiving the first payment case and registering the payment schedule in the server; (b) For period T after the first point in time, one or more payments received from one or more user terminals and registered in the server as a payment scheduled payment, or one or more payments already registered as payment scheduled payments from one or more user terminals Receiving a payment request for a period T after the first point in time and completing payment processing; And (c) completing payment processing by receiving a payment request at a second time point with respect to the first payment item registered as a payment scheduled item from the first user terminal. Including, but if the final payment benefit or amount to which all the benefits that can be provided in the payment processing completion step of the first payment case are applied at the second time point is A, the T period is earlier than the second time point, or It is characterized in that there is a difference in A depending on whether or not thereafter, but the one or more payments may be information necessary for payment including one or more payment targets and amounts.

The step (b) includes: (b-1) identifying a benefit to be provided for the payment case and notifying the identified benefit to a user terminal of the payment case; It may further include, (b-1) step, identifying the added or updated benefits for the payment; And notifying the identified benefit to the user terminal. It may further include.

In addition, the step (b) includes the steps of notifying the information on the condition or time limit for the bundled payment benefit to the user terminal; It characterized in that it further comprises, wherein the bundled payment is one or more payments, and the condition for the benefit is the number of payments to be satisfied to achieve the benefit, or the amount of payments to be satisfied to achieve the benefit. It is the sum of the sum, or the number of terminals to be satisfied to achieve the benefit, and may include one or more of them.

The step (a) includes: notifying the first user terminal of a first benefit, which is a benefit that can be provided to the first user terminal in processing a payment case; And notifying to the first user terminal a second benefit, which is a benefit that can be provided in payment processing, to the first user terminal. Further comprising, wherein the known first benefit and the second benefit differ in content depending on whether the T period is before or after the second point in time, and the known first or second benefit When applying a benefit, there may be a difference in the final payment benefit or amount that can be provided in payment processing.

The step (b) may include information on one or more payment cards to be used for payment, and (b-2) receiving a benefit to be provided upon payment from a corresponding payment card company terminal for each of one or more payment cards to be used for payment. ; And (b-3) displaying the benefit to the user terminal. It may further include.

The step (b-2) may include receiving a bundled payment condition or benefit to be provided from a terminal of a payment company (such as a credit card company) to the server; And receiving a bundled payment condition to be provided or a benefit from a terminal of a seller selling a product targeted for payment to the server. It may further include.

In the step (c), when there is a payment item P for which payment processing is completed at the second time point and a payment item Q for which payment processing is completed at the second time point, the payment process of the payment item P at the second time point. PA is the final payment benefit or amount that applies all the benefits that can be provided at the completion stage, and the final payment benefit or amount by applying all the benefits available at the payment processing completion stage of the payment item Q at the second point If QA is referred to as QA, when the second time point is earlier than the second time point, PA is greater than or equal to QA, and when the second time point is later than the second time point, PA is less than or equal to QA. I can.

In addition, the system for performing the bundled payment benefit providing method includes: a user terminal that transmits a first payment item, which is information necessary for payment including a first payment object and an amount, to a server at a first time point and registers a payment scheduled item; And receiving one or more payments from one or more user terminals for period T after the first point in time and registering them as a payment scheduled payment, or the first time with respect to one or more payments already registered as payment scheduled from one or more user terminals. Thereafter, the payment process is completed by receiving a request for payment during the period T, and the first payment case registered as a payment scheduled case from the first user terminal is requested to be paid at a second time to complete the payment processing, but the T period is the A server configured to make a difference in a final payment benefit or amount applied to all the benefits that can be provided in the processing of the first payment by the first user terminal at the second time point depending on whether it is before or after the second time point; Including, but the at least one payment may be information necessary for payment including one or more payment targets and amounts.

By automatically bundling payment requests from users who request delayed payment, more benefits can be provided to users, and payment companies such as credit card companies can provide benefits by setting more specific targets.

In addition, for the payment of the user requesting the delayed payment, a bundle payment can be provided so that the most reasonable benefit can be received by determining the benefit at a later point than the payment time.

1 is a flowchart illustrating a method of providing payment benefits based on delayed payment according to an embodiment of the present invention.
2 is an exemplary diagram of a system for performing a method of providing payment benefits based on delayed payment according to an embodiment of the present invention.
3 to 4 are diagrams illustrating a method for providing payment benefits based on delayed payment according to an embodiment of the present invention.
5 is an exemplary view illustrating a method of providing a payment benefit based on delayed payment performed at each time point according to an embodiment of the present invention.
6 to 8 are exemplary diagrams of a manager page provided to a manager terminal of a method for providing payment benefits based on delayed payment according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those of ordinary skill in the art can easily implement the present invention. However, the present invention may be implemented in various different forms and is not limited to the embodiments described herein. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and similar reference numerals are assigned to similar parts throughout the specification.

Throughout the specification, when a part is said to be "connected" to another part, this includes not only "directly connected" but also "electrically connected" with another element interposed therebetween. . In addition, when a part "includes" a certain component, it means that other components may be further included rather than excluding other components unless specifically stated to the contrary.

In the present specification, the term "unit" includes a unit realized by hardware, a unit realized by software, and a unit realized using both. Further, one unit may be realized using two or more hardware, or two or more units may be realized using one hardware. Meanwhile,'~ unit' is not meant to be limited to software or hardware, and'~ unit' may be configured to be in an addressable storage medium or configured to reproduce one or more processors. Thus, as an example,'~ unit' refers to components such as software components, object-oriented software components, class components and task components, processes, functions, properties, and procedures. , Subroutines, segments of program code, drivers, firmware, microcode, circuits, data, databases, data structures, tables, arrays and variables. The components and functions provided in the'~ units' may be combined into a smaller number of elements and'~ units', or may be further divided into additional elements and'~ units'. In addition, components and'~ units' may be implemented to play one or more CPUs in a device or a security multimedia card.

The "user terminal" mentioned below may be implemented as a computer or portable terminal that can access a server or other terminal through a network. Here, the computer is, for example, a notebook equipped with a web browser, a desktop, a laptop, a VR HMD (for example, HTC VIVE, Oculus Rift, GearVR, DayDream, PSVR, etc.). It may include. Here, VR HMD is for PC (for example, HTC VIVE, Oculus Rift, FOVE, Deepon, etc.), for mobile (for example, GearVR, DayDream, Storm Horse Racing, Google Cardboard, etc.) and console (PSVR) and It includes all standalone models that are implemented independently (eg, Deepon, PICO, etc.). Portable terminals are, for example, wireless communication devices that ensure portability and mobility, as well as smart phones, tablet PCs, and wearable devices, as well as Bluetooth (BLE, Bluetooth Low Energy), NFC, RFID, and ultrasound. , Infrared, Wi-Fi, Li-Fi may include various devices equipped with a communication module such as. In addition, "network" refers to a connection structure in which information exchange is possible between each node such as terminals and servers, and includes a local area network (LAN), a wide area network (WAN), and the Internet. (WWW: World Wide Web), wired and wireless data networks, telephone networks, wired and wireless television networks, etc. Examples of wireless data networks include 3G, 4G, 5G, 3rd Generation Partnership Project (3GPP), Long Term Evolution (LTE), World Interoperability for Microwave Access (WIMAX), Wi-Fi, Bluetooth communication, infrared communication, and ultrasound. Communication, Visible Light Communication (VLC), LiFi, etc. are included, but are not limited thereto.

Hereinafter, a method for providing a payment benefit based on delayed payment according to an embodiment of the present invention will be described in detail with reference to FIG. 1.

According to an embodiment of the present invention, the server 100 performing a method for providing payment benefits based on delayed payment may receive information on request for a connection request from the terminal 200 (S310).

At this time, the delayed payment request information is information requesting that payment approval be made after the payment request is entered, and may be information including at least one of one or more card information, category information for payment, payment amount, and payment deadline. have.

Thereafter, the server 100 may receive card information to be paid for the connection request information from the terminal after the time when the connection request information is received (S320).

When the G-connection request information received in step (S310) includes card information, the card information included in the G-connection request information may be modified or maintained as it is.

That is, if the card information in the connection request information received in the step (S310) and the card information in the connection request information received in the step (S320) are the same, the card information received in the step (S310) is maintained, and if different , It can be modified to the card information in the connection request information received in step (S320).

After receiving the card information from the terminal 200, the server 100 may transmit the card information and the contact connection request information to the card company server, so that the result of approval or not is provided to the terminal (S330). .

Thereafter, the server 100 may apply any one of the plurality of payment benefits and provide them to the terminal 200 (S340).

In this case, the decision of the benefit for approval of payment by credit card may not be determined at the time of approval of payment, but may be made at a time corresponding to a benefit period that is later than the time of approval of payment.

There is a plurality of payment benefits for one card, the benefit period of the first payment benefit among the plurality of payment benefits expires before step (S320), and the benefit period of the second payment benefit among the plurality of payment benefits is the above. If it expires after step (b), the payment benefit may be applied by selecting one of the first and second payment benefits.

In this case, the server 100 compares the first and second payment benefits in selecting any one of the first and second payment benefits to provide a greater benefit (for example, a benefit having a greater discount width among the two). Alternatively, you can apply a payment benefit that allows you to receive a higher amount of payback).

In addition, in selecting any one of the first and second payment benefits, information on the first and second payment benefits is provided to the terminal 200, and a corresponding benefit is applied by receiving a selection input of the terminal. can do.

In step (S310), when receiving a plurality of connection request information from one terminal, step (S320), the total sum of the payment amount in the plurality of connection request information list and the plurality of connection request information terminal 200 ), and compare the total amount of payments in the individual bundle payment benefit conditions for each card company, a list of multiple G-connection request information, and a plurality of G-connection request information, and pay the plurality of G-connection request information based on a specific card. The result of the time benefit may be calculated for each card company and provided to the terminal 200.

In this case, the server 100 may receive a signal from the terminal for selecting to pay with any one specific card for the plurality of connection request information.

In addition, in step (S310), a benefit condition that can be provided when payment is made with a card of the same card company from a plurality of terminals is provided in advance, and when a signal for selecting a card of the same card company from a plurality of terminals is received, the card company server By providing a plurality of terminals and card selection information, it is possible to request payment approval.

At this time, at the second time between the time of requesting payment approval of the plurality of terminals (hereinafter referred to as the'first time') and the time of determining the payment benefit, a request for payment approval of a plurality of other terminals based on the card of the same card company If this additionally occurs, the payment benefit at the first time point and the payment benefit at the second time point may be different, and the amount of the payment benefit at the second time point is It can be an amount larger than the amount of payment benefits.

For example, if the payment benefit condition is "4% discount on payment of 20,000 won for cu convenience store with bc card until 3/12 for 100 people, 7% discount on payment for 150 people, 10% discount on payment for 200 people" , If 200 people pay on 3/11 than when 100 people pay on 3.10, the payment benefit is finally decided on 3/12, so even after the time of requesting payment approval, you will enjoy greater payment benefits depending on the number of payments made by others. I can.

At this time, the server 100 prior to step (S320), information on the condition and time limit for the group bundle payment benefit, the rate of achievement of the condition for the benefit, and information including the number of additional terminals to be satisfied to achieve the benefit. Can be provided to each of a plurality of terminals.

In addition, information on the conditions and deadlines for group bundle payment benefits can be provided to the terminal after providing list information on a plurality of terminals that have performed payment requests for the same category to the card company server, and then receiving it from the card company server. have.

In other words, in the case of receiving payment benefits after selecting the same card from multiple terminals, for example, the category is the same as'apartment management fee', and different people residing in the same apartment have the same card as the apartment management fee. You can provide benefits if you pay with

As another example, regardless of the category, when user a registers for an apartment management fee, and user b registers for a school fee, and when user a and user b pay with the same card, a benefit may be provided.

As another example, if the pre-benefit condition is a condition that gives a discount when the user's x acquaintances pay 10,000 won with the same card, and when acquaintances input the user's identification information together in the card selection step and transfer it to the card company server, the user Regardless of the category, benefits can be provided to acquaintances including as long as the same card payment conditions are met.

After the step (S310) and before the step (S320), a reminder for requesting to select a payment card for the connection request information at a preset time may be provided to the terminal 200.

In addition, a benefit corresponding to the connection request information is provided from the card company server and provided to the terminal 200, or a search result for the benefit corresponding to the connection request information is sent to the terminal 200 according to the request result of the terminal 200. ) Can be provided.

In step (S310), in the case of receiving an input for a specific benefit and benefit condition from the terminal 200, the search result is extracted by searching for the connection request information corresponding to the benefit condition, and the search result and the benefit condition are compared. If matched, the connection request information and specific benefits corresponding to the search result may be provided to the terminal 200.

In addition, the first user transmits information necessary for payment including the first payment object and amount to the server at the first time point, requests payment, and the payment process is completed, and the second user communicates with the second payment object at the second time point. When the payment process is completed by transmitting the information necessary for payment including the amount to the server and requesting payment, the final payment benefit or amount applied to all the benefits that can be provided in the payment processing of the first user at the first point of time is the second user's When the payment processing at the second point in time is completed, it may be a payment benefit or amount different from the final payment benefit or amount to which all the benefits that can be provided in the payment processing of the first user are applied.

In addition, the server 100 performing a method for providing payment benefits based on delayed payment according to an embodiment of the present invention is a list of requests for connection requests for each card company of a plurality of terminals, and a connection system for each deadline when the administrator terminal accesses. Information on at least one of the request list, the category-by-category connection request list, and the amount-by-price connection request list may be provided to the manager terminal.

After the manager terminal accesses the server 100, when the server 100 receives a search request with a specific condition from the manager terminal, it provides a list of connection request requests for a plurality of terminals corresponding to the condition, and the manager terminal It is possible to receive benefit information from and search for a support request corresponding to the benefit information from the list of support request requests.

Thereafter, upon receiving an input for applying the benefit information from the manager terminal, the benefit information may be provided to a plurality of terminals that have provided the request for a connection request corresponding to the benefit information.

Hereinafter, a system of a method for providing a payment benefit based on delayed payment according to an embodiment of the present invention will be described in detail with reference to FIG. 2.

The system 10 of a method for providing payment benefits based on delayed payment according to an embodiment of the present invention may include a server 100, a terminal 200, and a manager terminal 300. The server 100 and the terminal 200 may be connected to each other through a wired/wireless network.

The server 100 includes a memory storing a program for providing payment benefits based on a delayed payment and a processor for executing the program, wherein the processor receives the connection request information from the terminal 200 according to the execution of the program, and After the time when the request information is received, card information to be paid for the connection request information is received from the terminal 200, and the card information and the connection request information are transmitted to the card company server, so that the result of approval Provided to the terminal 200, the delayed payment request information is information requesting that payment is approved after the payment request is entered, and includes at least one of one or more card information, category information for payment, payment amount, and payment deadline. Included, and the benefit conditions corresponding to the minimum conditions for achieving the benefits and the benefit period for benefits that can be received through card payment are provided to the terminal 200 before the time the card information is received, and card payment approval Determination of the benefits for is not determined at the time of payment approval, but may be made at the time corresponding to the benefit period later than the time of payment approval.

In addition, when receiving a connection request from the manager terminal 300, information on the connection request list can be provided to the manager terminal 300, and when receiving a search request query, a list corresponding to the search request can be provided. I can.

The terminal 200 is a device possessed by a user or a computing device installed in a specific place, and may have a built-in payment benefit providing program based on delayed payment.

The terminal 200 for performing a method for providing payment benefits based on delayed payment according to an embodiment of the present invention may provide the connection request information to the server 100, provide card information for payment, and provide the server It may be possible to receive information about payment benefits from (100).

The manager terminal 300 is a device owned by the manager or a computing device installed in a specific place, and may have a built-in payment benefit providing program based on delayed payment.

In addition, it may be possible to access the server 100, and in the case of accessing the server 100 through the manager terminal 300, a list of connection request requests for each card company of a plurality of terminals, a list of connection request requests for each deadline, category Information on at least one of the separate payment connection request list and the payment connection request list may be provided.

When the manager terminal 300 makes a search request to the server 100 under a specific condition, a list of connection request requests for a plurality of terminals corresponding to the condition may be provided.

In addition, the server 100 may receive benefit information from the manager terminal 300 and search for a support connection request corresponding to the benefit information from the list of support connection requests, and input for application of the benefit information from the manager terminal 300. Upon receipt, the benefit information may be provided to a plurality of terminals that have provided the local connection request corresponding to the benefit information.

That is, the manager terminal 300 may be a terminal of a card company or a payment company, and although expressed as a terminal in this specification, it may be possible to exist in the form of a server.

Hereinafter, a method for providing a payment benefit based on delayed payment according to an embodiment of the present invention will be described in detail with reference to FIGS. 3 to 4.

3 is an exemplary view illustrating a method of providing a payment benefit based on delayed payment when a plurality of requests for a connection request is received from one terminal 200 among embodiments of a method of providing payment benefit based on delayed payment.

When the server 100 receives a plurality of connection request information from any one terminal 200, the server 100 displays a list of the plurality of connection request information and the total amount of payment in the plurality of connection request information. (200), and compares the individual bundle payment benefit conditions for each card company and the total amount of the payment amount in the list of plural G-connection request information and the plurality of G-connection request information, and the plurality of G-connection request information is based on a specific card. The result of the benefit when payment is made can be calculated for each card company and provided to the terminal 200.

That is, the server 100, as shown in Figure 3, A, B, C,??.. and receives a plurality of the connection request request, such as, and of the card held by the user of the terminal 200 You can search for type and benefit information for each card.

The server 100 checks the payment benefits provided for each card at the current time, checks the payment benefits even when the actual payment is in progress and the payment benefits are provided, and then receives a plurality of connection systems received from the terminal 200. You can actually pay your requests with one or more cards to get better payment benefits.

For example, the payment benefit may provide a 2% discount on payment of 50,000 won or more, and a different discount rate depending on the amount paid. In addition, if the number of payments from 18:00 to 24:00 on a specific date is more than the set number, additional points are provided, or if the number of payments from the 10th to 17th is more than the preset number, an additional 1% discount on payments is provided. Can provide benefits.

Payment can be made by combining multiple paper-based requirements to receive optimal benefits.

If the benefits as in the example above are given, even if the request for connection is received through the terminal from the 1st to the 8th, if there is a benefit for the number of payments from the 10th to the 17th from the time the payment benefit is provided, Payment can be made within a period of 10 to 17 days and provided to receive the corresponding benefits.

In addition, according to each benefit, a payment benefit is provided in the form of combining payments made during the time slot for the A card for specific categories, and for B cards with good payment benefits for a specific time slot. can do.

As a further embodiment of the present invention, it may be possible to input a benefit condition and a benefit corresponding thereto in advance, and when the condition is satisfied, activate the corresponding benefit and provide it to the terminal 200.

For example, when a payment of more than a preset number or amount is made, when checking a payment benefit of a method of providing a discount benefit, the server 100 stores the benefit condition for the benefit in advance and delays it from the terminal 200. The payment request is received, the received connection system information is checked, and it is determined whether the stored benefit condition is met, and if it is satisfied, the benefit may be activated and the benefit may be provided to the terminal 200.

4 is an exemplary diagram for explaining an embodiment of a case where a local connection request request is received from a plurality of terminals.

Hereinafter, among embodiments of a method for providing payment benefits based on delayed payment, a group (bundle) payment will be described in detail with reference to FIG. 4.

Each of the plurality of terminals may provide the connection request information to the server 100 using card information previously registered.

Thereafter, the server 100 may determine a payment benefit by using information on the number of G-connection request information, the amount of G-connection request, and past payment benefit for all the G-connection request information received from the time of payment to the present. By receiving information on the card to be paid from the terminal of, the actual payment may be performed for the payment requested through the card.

As shown in FIG. 4, the payment was performed with one B card, but it may be possible to combine a plurality of contact information request information with different cards to make payment.

That is, when the registered card types are different for each terminal, it may be possible to select a card with the largest payment benefit among the cards previously registered in each terminal, and combine and provide the connection request information of the terminals that registered the card. .

As shown in FIG. 4, in order to provide group (bundle) payment, the server 100 may be configured to include a benefit management unit and a payment management unit, and the benefit management unit is to manage the benefits provided by the card company, payment benefit period , Payment benefit conditions and user-specific benefits management can be performed.

In addition, the payment management unit may store and manage records related to payment, such as terminal information management, applied payment benefit management, and benefit conditions, in a DB.

That is, a payment benefit may be provided by selecting the same card for the connection system information received from a plurality of terminals.

For example, referring to FIG. 5, the time when the payment benefit is disclosed by the A card company is t0 (400), the time when the first terminal registers the connection request is t1 (410), and the time when the second terminal registers the connection request is t2 ( 420), and assuming that the payment time of the first terminal is t3 (430), the payment time of the second terminal is t4 (440), and the final payment benefit determination time is t5 (450), each time point is the earliest time t0 And will be described later, for example, assuming that it is a time point that is sequentially delayed.

Even if the payment timing of the first terminal and the timing of the second terminal proceed faster than the final payment benefit determination time, the payment benefit may be provided at the final payment benefit determination time.

In addition, the A card company provides payment benefits for a specific period at t0 (400), and after the benefit period at t0 (400) and before t5 (450), the first terminal and the second terminal register the connection request information. Thereafter, even if another payment benefit is provided, the first terminal and the second terminal may receive the payment benefit by applying the benefit as a larger payment benefit among the two payment benefits at a time t5 (450).

For example, if the category is the same as'apartment management fee' and different people residing in the same apartment pay for the apartment management fee with the same card, a payment benefit may be provided.

In this case, the same card may not be one specific card, and a plurality of cards may be formed by combining the same type of card among the cards previously registered in the plurality of terminals for each group.

That is, for the same category payment, the credit card company can provide differentiated benefits, and upon receiving the connection request information, it is possible to identify a category in the connection request information and apply the benefits provided to the corresponding category.

As another example, regardless of the category, when user a registers for an apartment management fee, and user b registers for a school fee, and when user a and user b pay with the same card, a benefit may be provided.

That is, if there is a benefit condition that meets various conditions such as the amount used or the place of use without any restrictions on the category, the group payment benefit may be provided.

As another example, the pre-benefit condition is a condition in which a discount benefit is given when a plurality of acquaintances of the user pay 10,000 won with the same card, and the acquaintances enter the user's identification information together in the card selection step and are transmitted to the server 100. In this case, benefits can be provided to users and acquaintances if the same card payment conditions are met regardless of category.

In addition, according to a further embodiment of the present invention, a first payment item, which is information necessary for payment including a first payment object and amount, is input from the first user terminal at a first time point and registered in the server 100 as a payment scheduled item. can do.

After the first point in time, one or more payments are received from one or more user terminals for period T and registered in the server as a payment scheduled, or after the first point of time for one or more payments already registered as payment scheduled from one or more user terminals. Payment processing may be completed by receiving a request for payment during the T period.

Thereafter, the payment processing may be completed by receiving a payment request at a second time point for the first payment item registered as a payment scheduled item from the first user terminal.

At this time, if A is the final payment benefit or amount applied with all the benefits that can be provided in the payment processing completion stage of the first payment case at the second point in time, then the T period is before or after the second point. It is characterized in that there is a difference, but the case where the T period is before the second time point may be larger than the case where the T period is after.

Hereinafter, a manager page according to an embodiment of the present invention will be described in detail with reference to FIGS. 6 to 8.

According to an embodiment of the present invention, when accessing the server 100 through the manager terminal 300, the server 100 includes a list of connection request requests for each card company of a plurality of terminals, a list of connection request requests for each deadline, Information on at least one of the list of contact request requests for each category and the list of contact request requests for each price may be provided to the manager terminal 300.

6 is an exemplary diagram of a list of requests for a guard company connection request of a plurality of terminals.

A search window is provided to enable search by conditions such as amount, deadline, card company, etc., and as shown in FIG. 6, if the benefit condition and the corresponding benefit are entered in advance, if the condition is satisfied, You may be able to inquire about the amount to which payment benefits have been applied.

In addition, as shown in FIG. 6, when an input of the manager terminal 300 for the actual application button is received, a payment benefit may be applied, and the payment benefit may be applied to the terminal 200 that provided the connection request information. Can be provided.

FIG. 7 is a list of G-connection request requests corresponding to the category for'education cost' among the composition of the category, and all G-connection request cases corresponding to the same category may be provided.

For payments in the same category, it may be possible for a credit card company to identify and identify categories in order to receive differentiated benefits.

That is, as shown in Figure 6, it is possible to provide a payment benefit by responding to a benefit condition to a specific card company, and as shown in Figure 7, the payment benefit is provided by bundling the paper connection request cases corresponding to the same category. It can be possible.

8 is a diagram illustrating an example of a list of requests for a local connection request for which an actual payment has been completed by applying a payment benefit.

As shown in FIG. 8, the connection request information is provided, and the actual payment value may be provided by applying the contents of the payment benefit and the corresponding payment benefit.

As a further embodiment of the present invention, information necessary for payment, including the payment object and amount, from the terminal of the first user, that is, the first payment case, is transmitted to the server 100 at the first time point to request a bundled payment, and request payment. In the server 100 receiving the first payment request, the payment is processed by applying a benefit according to the bundled payment condition, and the processed result including the applied payment benefit or amount is stored in the server 100, and the first The processing result can be displayed on the terminal requesting the payment.

At the second point in time, information necessary for payment, including the payment object and amount, from the terminal of the second user, that is, the second payment case, is transmitted to the server 100 to request a bundled payment, and the server 100 that receives the payment request For the second payment request, payment is processed by applying a benefit according to the bundled payment condition, and the processed result including the applied payment benefit or amount is stored in the server 100, and the result of processing on the terminal requesting the second payment Can be displayed.

Upon completion of the second payment, the bundle payment benefit to be applied to the first payment is identified, and the payment is processed by (re) applying the benefits according to the bundled payment conditions for the first payment, and the applied payment benefit or The processed result including the amount of money may be stored in the server 100 and the processing result may be displayed on the terminal requesting the first payment.

According to the processing result of the first payment case at the first time point, the benefit or amount displayed on the terminal is called the first payment benefit or amount, and the result of processing the first payment case after the second payment at the second time point is processed. , If the benefit or amount displayed on the terminal is the 1b payment benefit or amount, there may be a difference between the 1a payment benefit or amount and the 1b payment benefit or amount.

When requesting a bundled payment by transmitting the information necessary for payment including the payment object and amount from the terminal of the first user to the server 100 at the first point in time, it is determined at the point 0 before the first point in time. 1 The first payment can be transmitted from the user's terminal to the server 100 and registered in the server 100 as a scheduled bundled payment.

When requesting a bundled payment by transmitting the information necessary for payment including the payment object and amount from the first user's terminal to the server 100 at the first point in time, the payment object and amount from the first user's terminal You can enter information necessary for payment, including.

The server 100 receiving the payment request completes the payment processing by applying the bundled payment benefit to the first payment request, and stores the processed payment case including the applied payment benefit or amount in the server 100, When displaying the processing result on the terminal requesting the first payment, after the first batch payment condition or benefit and the processing result of the first payment case, which are the bundled payment benefits known to the user terminal 200 before the first point in time, are displayed, With respect to the second bundle payment condition or benefit, which is a bundle payment benefit known to the user terminal 200, there is a difference between the first bundle payment condition or benefit, and the second bundle payment condition or benefit, that is, provided It may be characterized by differences in benefits or amounts.

When the first payment item is transmitted from the terminal of the first user to the server 100 at a point in time 0 before the first point in time and registered in the server 100 as a scheduled payment in a bundle, the scheduled payment in the server 100 It is possible to receive and register, identify a bundled payment condition or benefit to be provided, and display it on the user terminal 200.

When the server 100 receives and registers the expected bundled payment, identifies the bundled payment condition or benefit to be provided and displays it on the user terminal 200, the bundled payment condition or benefit to be provided is paid (such as a card company) It can be input to the server 100 from the terminal of the company, and can be input to the server 100 from the terminal of the seller selling the product to be paid.

In the server 100 receiving the payment request, the first payment request is processed by applying a benefit according to the bundled payment condition, and the processed result including the applied payment benefit or amount is stored in the server 100, When displaying the processing result on the terminal requesting the first payment, the payment processing may be requested to the payment company's server 100 (such as a credit card company) for processing.

Meanwhile, as a further embodiment, the server 100 performing a method of providing payment benefits based on delayed payment may perform not only the functions described above, but also functions of a card company server. That is, one server in which the server 100 performing the method for providing payment benefits based on delayed payment and the card company server may be combined to provide the above-described payment services.

An embodiment of the present invention may also be implemented in the form of a recording medium including instructions executable by a computer, such as a program module executed by a computer. Computer-readable media can be any available media that can be accessed by a computer, and includes both volatile and non-volatile media, removable and non-removable media. Further, the computer-readable medium may include all computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

Although the methods and systems of the present invention have been described in connection with specific embodiments, some or all of their components or operations may be implemented using a computer system having a general hardware architecture.

The above description of the present invention is for illustrative purposes only, and those of ordinary skill in the art to which the present invention pertains will be able to understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not limiting. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as being distributed may also be implemented in a combined form.

The scope of the present invention is indicated by the claims to be described later rather than the detailed description, and all changes or modified forms derived from the meaning and scope of the claims and their equivalent concepts should be interpreted as being included in the scope of the present invention. do.

10: system
100: server 200: terminal 300: manager terminal

Claims (11)

In the method and system for providing bundled payment benefits performed by a server,
(a) receiving a first payment item, which is information necessary for payment, including a first payment object and an amount, from a first user terminal at a first time point, and registering a payment scheduled item in the server;
(b) After the first point in time, one or more payments received from one or more user terminals during the period T and registered in the server as a payment scheduled payment, or one or more payments already registered as payment scheduled payments from one or more user terminals. Receiving a payment request for a period T after the first point in time and completing payment processing;
(c) completing payment processing by receiving a payment request at a second time point for the first payment item registered as a payment scheduled item from the first user terminal; Including,
If A is the final payment benefit or amount applied to all the benefits that can be provided in the payment processing completion step of the first payment at the second point in time, depending on whether the T period is before or after the second point It is characterized in that there is a difference in A,
The above one or more payments,
Information required for payment, including one or more payment targets and amounts,
Method and system for providing bundled payment benefits.
The method of claim 1,
The step (b),
For the above payment,
(b-1) further comprising the step of identifying the benefit to be provided and notifying the identified benefit to the user terminal of the payment case,
Method and system for providing bundled payment benefits.
The method of claim 2,
Step (b-1) is,
Identifying an added or updated benefit for the payment case; And
Notifying the identified benefit to the user terminal; It characterized in that it further comprises,
Method and system for providing bundled payment benefits.
The method of claim 1,
The step (b),
Notifying the user terminal of information on a condition or a time limit for bundled payment benefits; It characterized in that it further comprises,
The bundle payment is one or more payments,
The conditions for the above benefits are the number of payments to be satisfied to achieve the benefits, the sum of payments to be satisfied to achieve the benefits, or the number of terminals to be satisfied to achieve the benefits, including one or more of them. Will
Method and system for providing bundled payment benefits.
The method of claim 1,
The step (a),
Notifying the user terminal of a first benefit, which is a benefit that can be provided in processing a payment case, to the first user terminal; And
Notifying the user terminal of a second benefit, which is a benefit that can be provided in processing a payment case, to the first user terminal;
Further include,
According to whether the T period is before or after the second point in time, the known first benefit and the second benefit have a difference in content,
Characterized in that when applying the known first or second benefit, there is a difference in the final payment benefit or amount that can be provided in payment processing,
Method and system for providing bundled payment benefits.
The method of claim 1,
The step (b),
It characterized in that it comprises one or more payment card information to be used for payment,
Method and system for providing bundled payment benefits.
The method of claim 6,
The step (b),
(b-2) receiving a benefit to be provided during payment from a corresponding payment card company terminal for each of one or more payment cards to be used for payment; And
(b-3) displaying the benefit to the user terminal; It characterized in that it further comprises,
Method and system for providing bundled payment benefits.
The method of claim 7,
The step (b-2),
Receiving a bundled payment condition or benefit to be provided from a terminal of a payment company (such as a credit card company) to the server; It characterized in that it further comprises
Method and system for providing bundled payment benefits.
The method of claim 7,
The step (b-2),
Receiving an input to the server from a terminal of a vendor that sells a product subject to payment of a bundled payment condition or benefit to be provided; It characterized in that it further comprises,
Method and system for providing bundled payment benefits.
The method of claim 1,
The step (c),
When there is a payment item P for which payment processing is completed at the second point and a payment item Q for which payment is completed at the second point,
The final payment benefit or amount applied with all the benefits that can be provided at the payment processing completion stage of the payment item P at the second time point is called PA,
Assuming that the final payment benefit or amount applied with all the benefits that can be provided in the payment processing completion stage of the payment item Q at the point 2'is called QA,
When the second time point is earlier than the second time point, PA is greater than or equal to QA,
When the second time point is later than the second time point, characterized in that the PA is less than or equal to QA,
Method and system for providing bundled payment benefits.
In a system that performs a method of providing bundled payment benefits,
A user terminal that transmits a first payment item, which is information necessary for payment including a first payment object and an amount, to a server at a first time point and registers a payment scheduled item; And
The first time point for one or more payments received from one or more user terminals for period T after the first point in time and registered as a payment scheduled item, or for one or more payments already registered as payment scheduled items from one or more user terminals Afterwards, payment is requested during the T period to complete the payment processing,
The first payment, registered as a payment scheduled case from the first user terminal, is requested to be paid at a second time and completes the payment process, but the second time period is before or after the second time period. A server configured to make a difference in a final payment benefit or amount applied with all the benefits that can be provided in the processing of the first payment by the first user terminal at a time point; Including,
The above one or more payments,
Information required for payment, including one or more payment targets and amounts,
A system that performs the method of providing bundled payment benefits.

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