KR20220002159A - Method and system for mobile payment including check of validity based on geographic location - Google Patents

Abstract

The present invention relates to a method for performing payment on a server. The method comprises: a step of receiving transfer request information to a second user account based on a card payment request of a first user from a first user terminal; a step of receiving location information of the first user terminal and location information of a second user terminal; a step of determining payment validity based on the received location information of the first user terminal and location information of the second user terminal; a step of performing payment based on card information of the first user; and a step of remitting a partial amount of the paid card payment of the first user to the second user account.

Description

Simple payment method and system including location-based validation

The present invention relates to a simple payment method and system including location-based validation, and more particularly, to a method and system for conveniently performing a card payment remittance process based on card payment.

With the rapid spread of portable terminals and the expansion of networks, mobile payments using the Internet have become possible anytime, anywhere. In banks and fintech companies, simple payment and simple remittance services using open banking technology are being activated. In particular, recently, not only credit card companies, but also distributors and general companies are introducing pay-based payment systems using barcodes or QR codes.

For user payment, mobile terminal-based simple payment functions such as credit card payment using the NFC function of the mobile terminal and online payment using a credit card app, apps (programs) installed therein, and QR codes are utilized. In addition, the simple remittance system is also widely applied in real life, and various companies are providing various services in the remittance market such as remittance for congratulations and condolences and Dutch Pay.

However, in reality, card payment and remittance services are not combined with each other. For example, in order to transfer wedding congratulatory money directly through a credit card, it is inconvenient to use cash advance and pay a considerable fee.

In the case of the card payment industry, card payment fees are a source of income, but in the case of remittance, the entire amount of remittance must be delivered to the recipient, which may not be advantageous in terms of profitability.

Accordingly, in the present disclosure, a method and a system for transferring money through card payment in an environment requiring fast cash transfer will be described in detail.

The present invention is to solve the above-described problems of the prior art, it is possible to quickly process the remittance of the card payment.

An embodiment of the present invention relates to a method for performing a payment in a server, comprising: receiving transfer request information from a first user terminal to a second user account based on a card payment request of a first user; Receiving the location information of the first user terminal and the location information of the second user terminal; determining payment validity based on the received location information of the first user terminal and the location information of the second user terminal; performing payment based on the card information of the first user; and remittance of a partial amount of the paid first user's card price to the second user account.

In addition, the determining of the payment validity may include comparing the location information of the first user terminal and the location information of the second user terminal to determine whether the location is within a predetermined range in a preset time interval.

In addition, the account of the second user may be an account previously registered in the server, and the second user may be a user who has undergone an authentication process in the server.

Preferably, the first user may be a golf player, and the second user may be a golf caddy of the first user.

Preferably, the card of the first user may be a corporate card issued to the first user.

Another embodiment of the present invention relates to a mobile payment system, comprising: a first user terminal; a second user terminal; and a payment server, wherein the payment server receives transfer request information from the first user terminal to a second user account based on the card payment request of the first user, and the location information of the first user terminal and the Receive the location information of the second user terminal, based on the received location information of the first user terminal and the location information of the second user terminal, determine the payment validity, based on the card information of the first user The payment may be performed, and a partial amount of the paid card price of the first user may be set to remit to the second user account.

In addition, the payment server may compare the location information of the first user terminal and the location information of the second user terminal, and determine the payment validity based on whether the location information is located within a predetermined range in a preset time period.

In addition, the account of the second user may be an account previously registered in the payment server, and the second user may be a user who has undergone an authentication process in the payment server.

Preferably, the first user may be a golf player, and the second user may be a golf caddy of the first user.

Preferably, the card of the first user may be a corporate card issued to the first user.

The present invention is a simple payment method and system including location-based validation, and by simply paying by card in a payment terminal, a certain amount of money can be remitted to a recipient's account.

According to the present invention, remittance can be performed through card payment even in the absence of cash.

1 is a diagram illustrating a mobile payment method according to an example of the present invention.
2 is a flowchart illustrating a mobile payment process according to an example of the present invention in chronological order.
3 is a block diagram conceptually illustrating the configuration of a payment server according to an example of the present invention.
4 is a view showing a golf caddy P card payment process according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS 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 them. However, the present invention may be embodied in several different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification, when a part is "connected" with another part, this includes not only the case of being "directly connected" but also the case of being "electrically connected" with another element interposed therebetween. . Also, when a part "includes" a certain component, it means that other components may be further included, rather than excluding other components, unless otherwise stated.

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

The "user terminal" referred to below may be implemented as a computer or portable terminal that can access a server or other terminal through a network. Here, the computer includes, for example, a laptop, a desktop, and a laptop equipped with a web browser (WEB Browser), and the portable terminal is, for example, a wireless communication device that ensures portability and mobility. , IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet), LTE (Long Term Evolution) communication-based terminal, smart It may include all types of handheld-based wireless communication devices such as a phone, a tablet PC, and the like. In addition, “network” means a wired network such as a local area network (LAN), a wide area network (WAN) or a value added network (VAN), or a mobile radio communication network or satellite It may be implemented in any kind of wireless network such as a communication network.

1 is a diagram illustrating a mobile payment method according to an example of the present invention.

As shown in FIG. 1 , the first user may remit a predetermined amount to the second user by using the first user terminal 100 . In the present invention, the first user may be a money sender, and the second user may be a recipient of money.

When a request for remittance from the first user terminal 100 to the account of the second user is requested from the payment server 300 , the payment server 300 returns an amount corresponding to the amount of remittance requested from the account of the first user to the second user. You can transfer money to your account. The second user may check whether the remittance to the account of the second user is completed through the second user terminal 200 .

Recently, as the simple remittance system has become popular in the financial industry, remittance can be performed through a simplified authentication process such as fingerprint authentication or a simple password when the amount is less than a certain amount.

In particular, in recent years, as the public certificate system has been reduced, authentication methods for simple remittance have been diversified, and various technologies for authentication through a minimum step using a user terminal are being developed.

However, there is a method that is somewhat different from this simple remittance system, and instead of remitting the amount the first user has in the account, the first user pays the card, and all or part of the payment is transferred to the second user. There is a way to transfer.

In the case of existing card merchants, the payment of the card amount paid for a certain period (eg, 1 month, at the earliest, about 3 to 4 days) is collectively settled, and the payment amount is transferred for each card payment. is not done in real time.

This is because, in the past environment where computerized processing technology was not developed, the process of settlement for each payment was inefficient, and there is a possibility of card payment cancellation.

Also, for other reasons, it is often called 'card gang', and there is some possibility of illegal discount loans rather than normal transaction activities.

In the case of a normal transaction, since it is a simple and efficient method to quickly pay the other party through card payment, such a payment method and system will be specifically disclosed below.

2 is a flowchart illustrating a mobile payment process according to an example of the present invention in chronological order.

The payment server may receive remittance request information from the first user terminal to the second user account based on the card payment request of the first user (S210).

The payment server may be a server connected to the first user terminal and the second user terminal through a network, and may be a server that performs card payment for the first user and remittance (transfer) to the account of the second user.

The payment server may be a single server, and in some cases, a server group to which a plurality of servers are connected according to a function to be performed. For example, a server performing card payment and a server performing remittance to an account may be combined or separated.

The first user may request remittance of a predetermined amount to the account of the second user through the first user terminal. For example, the first user may request a remittance of 120,000 won to the second user's account by paying the first user's card (eg, credit card).

The server (payment server) may specify the first user who uses the card payment and the second user who is the recipient of the remittance based on the received remittance request information.

The server may request location information from the specified first user terminal and the second user terminal. For example, the server may request location information from 6 am to 10 am on June 30, 2020 to the first user terminal and the second user terminal. Accordingly, the server may receive location information from the first user terminal and the second user terminal (S220).

The server may determine the payment validity based on the received location information of the first user terminal and the location information of the second user terminal (S230). The server may receive information from the first user terminal indicating that the first user terminal was located in a specific area (eg, a golf course) from 6 am to 10 am on June 30, 2020. Similarly, the server may receive information indicating that the second user terminal was located in a specific area (eg, the same golf course as the first user) from 6 am to 10 am on June 30, 2020.

The first user terminal and the second user terminal may store location information in the terminal. The storage unit (the first user management unit) of the first user terminal may include location information and movement information of the first user within a predetermined period. Similarly, the storage unit (the second user management unit) of the second user terminal may include location information and movement information of the second user within a predetermined period. The location of the user terminal may be transmitted and stored not only in the user terminal but also in the server (cloud).

The location information of the user terminal may be location information specified through a Geographic Positioning System (GPS) of the terminal. Alternatively, it may be information acquired and specified through an access point (AP) located indoors or a separate location specifying device.

The location information of the user terminal may be location information specified through short-distance communication with another user terminal. For example, the location information of the first user terminal may be specified through GPS, and the second user terminal may specify the location while performing short-distance communication (eg, Wi-Fi Direct or Bluetooth, etc.) with the first user. can

Since the location information of the user terminal in the present invention is location information based on GPS, etc., it does not necessarily indicate an absolute location, and it is preferable to understand it within a certain area error range. Accordingly, the server may store the received location information by setting it as a range.

The server may compare the location information of the first user terminal and the second user terminal in order to determine the payment validity, and determine whether the server is located within a certain range (eg, 1 km radius) in a preset time section.

For example, the server may determine whether the positions of the first user terminal and the second user terminal from 6:00 am to 10:00 am on June 30, 2020 are in positions determined to be the same area. The server may determine that it was in the same location within the corresponding time period, and may determine that the payment is valid based on this.

There are several cases where the server does not determine that the payment is invalid. If the location of the first user terminal or the second user terminal is out of the area within the corresponding time period, or when the location is specified only in a part of the time period, the server determines that the first user terminal and the second user terminal are located at the same location. It may be determined that there has not been, and based on this, it may be determined that the payment is not valid.

The time interval, which is the basis of whether or not the person was in the same location, is a part that can be set by the intention of the first user or the second user, and the server periodically or aperiodically or aperiodically configures the first user terminal and the second user terminal within the set time interval. 2 It is possible to request and receive location information of the user terminal.

If it is determined that the payment is valid, the server may perform the payment based on the card information of the first user (S240). The card information of the first user may be authenticated whether it is pre-registered in the server and valid.

For example, the server may pay an amount of 126,000 won through the card payment of the first user. Since the part of performing card payment is a technique widely used in actual transactions, a detailed description thereof will be omitted.

The server may remit a partial amount of the amount paid by the first user's card to the second user's account (S250). The account information of the second user may also be authenticated whether it is already registered in the server and valid.

For example, the server may remit 120,000 won, which is a part of 126,000 won of the card payment amount, to the second user's account. In this case, the difference between the payment amount and the remittance amount of 6,000 won may be understood as a fee for the payment process.

In the present invention, although the difference between the payment amount and the remittance amount is set as a fee for the payment process, it is not necessarily limited thereto, and it is desirable to broadly understand that the entire payment amount may be the remittance amount in terms of partnership or promotion.

It has been described that all or part of the card payment amount of the first user is transferred to the account of the second user through the payment process of S210 to S250. The process from the card payment request of the first user terminal to the remittance of the second user account in the present invention is characterized in that it is performed as quickly as possible.

For example, as the first user starts operating the application to send money to the second user, the entire process may be completed within 24 hours, and preferably, as the first card payment is completed, the remittance to the second user is completed immediately. can be

This time problem is a policy part of the card companies and related payment companies that settle the payment amount, and since technical support is sufficiently available, the entire process of payment and remittance in the present invention is characterized in that it is performed on the same day.

3 is a block diagram conceptually illustrating the configuration of a payment server according to an example of the present invention.

The payment server 300 according to an embodiment of the present invention includes a first user management unit 310 , a second user management unit 320 , a payment means DB 330 , an authentication processing unit 340 , and a control unit 350 .

The first user management unit 310 according to an example of the present invention includes information on the first user terminal, location information on the first user terminal, card information on the first user, card payment information on the first user, and schedule on the first user. Manage at least one or more of the information.

The first user manager 310 may store information of the first user terminal. In the case of the first user terminal, a GPS module may be mounted, and a location specifying module of another method may be mounted. For example, in addition to GPS, it may include a communication module such as Wi-Fi Direct, Bluetooth, and a beacon. The first user manager 310 may request the first user terminal to change the setting so that the location specifying function of the first user terminal is operated.

The first user manager 310 may store location information of the first user terminal. The first user management unit 310 may store the moving path of the first user and location information for each time period. Since the first user management unit 310 cannot directly specify the moving path of the first user and the location information for each time period, the information may be obtained by requesting and receiving the corresponding information from the first user terminal.

Since the first user is a user who requests card payment, the first user management unit 310 may store one or more card information of the first user and information necessary for payment. When the first user uses a plurality of cards, it is possible to make a payment by performing payment on one card or by adding up payment amounts using a combination of a plurality of cards according to priority.

The first user manager 310 may include schedule information of the first user. The first user may register a schedule through a schedule management program or a reservation program, and the first user management unit 310 may store the first user's schedule and location information of the schedule. For example, when the first user is scheduled to tee up at Korea CC at 6:30 am, the first user manager 310 may store such schedule information and location information specified at the corresponding time.

The first user management unit 310 may determine the validity of the member information of the first user. For example, when the first user joins the application as a member, the first user management unit 310 may verify whether the corresponding member information is valid. For example, it is possible to check whether the first user is a normal member through identification information such as passport and driver's license, and for example, through authentication methods such as credit card number authentication, SMS authentication, fingerprint authentication, etc. You can verify the validity of the user's member information.

The second user management unit 320 manages at least one of information of the second user terminal, location information of the second user terminal, account information of the second user, affiliation information of the second user, and schedule information of the second user do.

The second user manager 320 may store information of the second user terminal. In the case of the second user terminal, a GPS module may be mounted, and a location specifying module of another method may be mounted. For example, in addition to GPS, it may include a communication module such as Wi-Fi Direct, Bluetooth, and a beacon. The second user manager 310 may request the second user terminal to change the setting so that the location specifying function of the second user terminal is operated.

The second user manager 320 may store location information of the second user terminal. The second user management unit 320 may store the movement path of the second user and location information for each time period. Since the second user management unit 320 cannot directly specify the moving route and location information for each time zone of the second user, the second user may obtain the information by requesting and receiving the corresponding information from the user terminal.

Since the second user is the recipient of all or part of the payment for the card payment, the second user management unit 320 may store one or more account information of the second user. When the second user uses a plurality of accounts, it is possible to set remittance to one account according to priority or to receive a transfer through a combination of a plurality of accounts.

The second user management unit 320 may determine the validity of the affiliation information of the second user. For example, when the second user joins the application as a member, the second user management unit 320 may verify whether the corresponding member information is valid. For example, it is possible to check whether the second user is a normal member through identification information such as passport and driver's license, and for example, through authentication methods such as credit card number authentication, SMS authentication, fingerprint authentication, etc. You can verify the validity of the user's member information.

In addition, since the second user is a payee, it is possible to verify whether the second user is a payee registered in the server in conjunction with a separate server. For example, when the second user receives a caddy fee as a golf caddy, it is determined whether the second user is a caddy registered in the manager server of the corresponding golf course, and affiliation information of the second user may be verified. Since the second user may have a plurality of affiliation information, the second user management unit 320 may verify by interworking with a plurality of servers.

The second user manager 320 may include schedule information of the second user. The second user may register a schedule through a schedule management program or a reservation program, and the second user management unit 320 may store the second user's schedule and location information of the schedule. For example, when the first user tees up at Korea CC (Country Club) at 6:30 am, and the second user is reserved as the first user's golf caddy, the second user management unit 320 ) may store such schedule information and location information specified at that time.

The payment method DB 330 according to an embodiment of the present invention stores payment method information of users related to the server, such as the first user and the second user. The payment means DB 330 may store information on payment means for each card payment user, and may store previous payment details.

The payment means DB 330 may store account information of the remittee to which the remittance is to be received. It is possible to store account information for each beneficiary and the previous payment history.

The payment method DB 330 may include various payment method information in addition to card payment and remittance methods. In the present invention, it is mainly described that the first user makes a card payment, but it is not necessarily limited thereto, and various payment method related information such as point payment, affiliate payment, securities payment, credit transaction, virtual currency payment, etc. can be stored. have.

Like the first user payment method, the payment method DB 330 may store various account information such as a point account, a securities account, a credit account, a virtual currency account, as well as account (account) information of the second user as a payee. .

The selection of the payment method may be determined by at least one of the first user or the second user, and may be determined by the payment method stored in the payment method DB 330 . If a new payment method that is not pre-stored in the payment method DB 330 is used, registration in the payment method DB 330 may be required first.

The authentication processing unit 340 according to an embodiment of the present invention may verify the validity of the first user's card payment and the second user's receipt of remittance. A process of confirming whether card payment or remittance to the second user account is a normal transaction in the present invention may be based on the fact that the first user and the second user are located in the same space.

In the present invention, the situation in which the first user requires remittance to the second user is mainly described, and validation can be performed in order to verify whether such remittance is an illegal transaction such as a 'card gang' called in real transactions. .

The authentication processing unit 340 may compare the received location information of the first user terminal and the second user terminal to determine whether the location information is within a predetermined range in a preset time interval.

For example, the authentication processing unit 340 may determine whether the positions of the first user terminal and the second user terminal from 6:00 am to 10:00 am on June 30, 2020 are in positions determined to be the same area. . The authentication processing unit 340 may determine that the user was at the same location within the corresponding time period, and may determine that the payment is valid based on this.

There are several cases in which the authentication processing unit 340 does not determine that the payment is invalid. When the location of the first user terminal or the second user terminal is out of the range within the corresponding time period, or when the location is specified only in a part of the time section, the authentication processing unit 340 is the first user terminal and the second user terminal It may be determined that it is not in the same location, and based on this, it may be determined that the payment is not valid.

The time interval as a criterion for whether or not the person was in the same location is a part that can be set by the intention of the first user or the second user, and the authentication processing unit 340 periodically or aperiodically first It is possible to request and receive location information of the user terminal and the second user terminal.

The control unit 350 according to an example of the present invention is configured to allow the first user management unit 310 , the second user management unit 320 , the payment means DB 330 , and the authentication processing unit 340 to operate normally in the server 300 . To enable interconnection and data processing.

Although not shown in FIG. 3 , the server 300 may include various modules such as an input/output unit, a power supply unit, a display unit, a communication unit, and a storage unit, and a first user terminal, a second user terminal, a card payment server, a bank remittance server Data can be transmitted and received smoothly.

Example: Golf Caddy Fee Payment

4 is a view showing a golf caddy P card payment process according to an embodiment of the present invention.

As shown in FIG. 4 , the server may support a smartphone application to operate in the first user terminal and the second user terminal.

The first user may be a card user, a player playing golf in a golf embodiment, and the second user may be a cash payee, which may be the player's caddy in that embodiment.

Before and after golf in the field is made for a certain period of time (eg, 18 holes), the user can pay the caddy fee to the caddy, and can select the golf course (CC) and the caddy on the application.

The user may pay the caddy fee for the selected caddy by card, and such card payment details may be registered on the server. Based on the payment history, the server may verify whether the card payment is a genuine transaction or not, and may check whether the player's terminal and the caddy's terminal are located within a certain range for a certain period of time at the reserved golf course.

The caddy may register the caddy's account (account) information in the server before and after the user's card payment. The caddy may be registered in the server through the verification procedure of the golf course manager to which it belongs, and the verification procedure of the golf course manager may be omitted.

The server may remit a portion of the card payment to the registered caddy's account. For example, when the caddy P is 120,000 won, the card payer can pay 126,000 won with a payment fee of 6,000 won added to 120,000 won, and the caddy can receive 120,000 won remittance.

The payment fee may be determined according to the server operation policy. In general, the payment fee may consist of a service fee for financial settlement and a VAT on the service usage fee.

The service fee for financial payment may include fees such as card fees and remittance fees. In Korea, when paying by card, the customer does not pay including the card fee, but there is a method in which the customer pays the remittance fee in the account remittance method. In the United States, there is a model in which the customer pays a part of the card fee.

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 to be executed by a computer. Computer-readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, computer-readable media may include both computer storage media and communication 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. Communication media typically includes computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave, or other transport mechanism, and includes any information delivery media.

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

The above description of the present invention is for illustration, and those of ordinary skill in the art to which the present invention pertains can 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 restrictive. For example, each component described as a single type may be implemented in a dispersed form, and likewise components described as distributed may be implemented in a combined form.

The scope of the present invention is indicated by the following claims rather than the above detailed description, and all changes or modifications 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.

100: first user terminal
200: second user terminal
300: payment server

Claims (1)

In the method of performing a payment in a server,
receiving transfer request information from the first user terminal to the second user account based on the card payment request of the first user;
Receiving the location information of the first user terminal and the location information of the second user terminal;
determining payment validity based on the received location information of the first user terminal and the location information of the second user terminal;
performing payment based on the card information of the first user; and
Remittance of a partial amount of the payment of the first user's card to the second user's account;
The step of determining the validity of the payment,
A mobile payment method, characterized in that it is determined whether the movement information of the first user terminal and the second user terminal match within a preset time range.

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