KR20230038838A - System and method for implementing usage limitations of easy payment and computer program for the same - Google Patents

Abstract

According to the present invention, a system for restricting use of payment comprises: a coupon management unit which receives restriction information from an administrator to restrict use of simple payment based on an organization's account to one or more users, and generates a one-time coupon for use of simple payment by the one or more users based on the restriction information; a receiving unit which receives a verification request for the one-time coupon from a simple payment system for executing a simple payment based on the organization's account; and a verification unit which, in response to the verification request, verifies whether the one-time coupon can be used based on the restriction information and provides a payment availability response to the simple payment system when the one-time coupon is verified. Using the system, a company's administrator sets payment limits and merchants used by executives and employees in advance in connection with simple payment services such as zero pay, and the executives and employees can use the simple payment through one-time coupon which can only be paid within a set range. Accordingly, the simple payment such as Zero Pay can be used to execute corporate expenses without worrying about financial accidents.

Description

Simple payment use restriction system and method and computer program for it

Embodiments relate to a simple payment usage restriction system and method and a computer program therefor. More specifically, the embodiments limit the scope of use of one-time coupons for users' use of simple payments in conjunction with simple payment systems such as zero pay, so that companies can use simple payments without risk of financial accidents. It's about technology.

An online simple payment service that enables payment without authentication by an existing authentication method such as a public certificate based on simple payment registration information registered through user authentication in advance has recently gained popularity. In particular, in Korea, the zero pay service, a simple payment service for the purpose of reducing the burden of payment fees for small business owners, is being implemented.

When a consumer using the Zero Pay service recognizes the QR code provided in the store and makes a payment, the funds are transferred from the consumer's account to the merchant's account in a direct inter-account payment method. When using Zero Pay, stores can reduce fees due to the low payment fee of Zero Pay service, and consumers can enjoy benefits such as income deduction.

However, while the Zero Pay service is actively used at the individual level, it is not being used for corporate expenses due to the risk factor of financial accidents. For example, if employees are allowed to pay corporate funds through Zero Pay, employees may use Zero Pay to pay more than the budget granted to them, or use Zero Pay for personal or fraudulent purposes other than corporate expenses. There is a risk of making a payment.

Publication No. 10-2020-0116389

According to one aspect of the present invention for solving the problems of the prior art described above, in connection with a simple payment system such as zero pay, users use simple payment through a one-time coupon with limited payment limits and merchants. By doing so, it is possible to provide a simple payment usage restriction system and method and a computer program for this, which allows companies to use simple payment without risk of financial accidents.

A simple payment use restriction system according to an aspect of the present invention receives restriction information for limiting the use of simple payment based on an organization's account for one or more users from an administrator, and based on the restriction information, the one or more Coupon management unit configured to generate a one-time coupon for the user's easy payment use; a receiving unit configured to receive a verification request for the one-time coupon from a simple payment system for executing simple payment based on an account of the organization; And in response to the verification request, a verification unit configured to verify whether the one-time coupon can be used based on the restriction information, and to provide a payment possibility response to the simple payment system when the one-time coupon is verified. there is.

In one embodiment, the coupon management unit is further configured to discard the one-time coupon corresponding to the use request when simple payment is used by the payment enable response.

In one embodiment, the limit information is defined for the one or more users and includes usage information of the one-time coupon for a preset period or a preset number of uses.

In one embodiment, the usage limit information is defined as a value obtained by summing the usage amount or the number of usages of the one-time coupons used by a plurality of users designated by the manager.

The simple payment use restriction system according to an embodiment further includes an interlocking unit configured to receive a list of merchants capable of payment through the simple payment system from the simple payment system. In this case, the restriction information includes information on one or more used affiliated stores selected on the basis of one or more of type of business, region, or branch from the affiliated store list.

In one embodiment, the verification unit is further configured to provide a payment rejection response to the simple payment system when the usage request does not conform to the restriction information.

A method for limiting the use of simple payment according to an aspect of the present invention includes the steps of, by the system for restricting the use of simple payment, receiving restriction information from an administrator for limiting the use of simple payment based on an organization's account for one or more users; Generating, by the simple payment usage restriction system, a one-time coupon for the simple payment usage of the one or more users based on the restriction information; receiving, by the simple payment use restriction system, a request for use of the one-time coupon from a simple payment system for executing simple payment based on an organization's account; verifying, by the simple payment usage restriction system, whether the one-time coupon can be used based on the restriction information in response to the usage request; and providing, by the simple payment use restriction system, a payment possibility response to the simple payment system when the one-time coupon is verified.

The method for limiting use of simple payment according to an embodiment further includes, by the simple payment use limiting system, discarding the one-time coupon corresponding to the use request when simple payment is used by the payment enable response.

In one embodiment, the step of receiving the restriction information from the administrator, the simple payment use restriction system, includes receiving a list of member stores that can be paid through the simple payment system from the simple payment system. In this case, the restriction information includes information on one or more used affiliated stores selected based on one or more of type of industry, region, or branch from the affiliated store list.

The method for limiting use of simple payment according to an embodiment further includes providing, by the simple payment use limiting system, a payment rejection response to the simple payment system when the use request does not conform to the restriction information.

The computer program according to one aspect of the present invention is for executing the simple payment use restriction method according to the above-described embodiments in combination with hardware, and may be stored in a computer-readable recording medium.

According to the system and method for restricting the use of simple payment according to one aspect of the present invention, the manager of the company sets the payment limit and use affiliated stores of executives and employees in advance in conjunction with a simple payment system such as a zero pay system, By allowing employees to use simple payment through a one-time coupon that allows the use of simple payment only within the set range, there is an advantage in using simple payment such as Zero Pay for corporate cost execution without worrying about financial accidents.

1 is a schematic block diagram of a simple payment usage restriction system according to an embodiment.
2 is a flowchart illustrating each step of a simple payment use restriction method according to an embodiment.
3 is a conceptual diagram of an exemplary user interface (UI) for registration of usage restrictions in the simple payment usage restriction system according to an embodiment.
4 is a conceptual diagram of an exemplary UI for registering use affiliated store industry restrictions in the simple payment usage restriction system according to an embodiment.
5 is a conceptual diagram of an exemplary UI for designating a use affiliated store in a simple payment usage restriction system according to an embodiment.
6 is a conceptual diagram of an exemplary UI for setting the type of use limit in the simple payment use limit system according to an embodiment.
7 is a conceptual diagram of an exemplary UI for setting a usable time in a simple payment usage restriction system according to an embodiment.
8A to 8C are conceptual diagrams for explaining a method of controlling payment by utilizing a user's location and a distance from a work place in a simple payment usage restriction system according to an embodiment.

Hereinafter, with reference to the drawings, look at the embodiments of the present invention in detail.

1 is a schematic block diagram of a simple payment usage restriction system according to an embodiment.

Referring to FIG. 1, the simple payment use restriction system 3 according to this embodiment communicates with and operates the user device 2 of the user who wants to use the simple payment through the simple payment system 5, thereby providing the convenience of the user. It functions to apply preset restrictions on payment usage. In addition, in order to register restrictions on the use of simple payment, the simple payment use restriction system 3 is a user device used by an administrator of an organization (eg, a company, a public institution, a school, etc.) to which the user of the user device 2 belongs. By communicating with (1), it is possible to receive restriction information on the use of simple payment.

In this specification, simple payment refers to a service that enables payment without authentication by an existing authentication means such as a public certificate based on registration information registered through user authentication in advance. For example, as an example of the simple payment described in this specification, a zero pay service may be cited, but the type of simple payment is not limited thereto.

Embodiments of this specification are intended to regulate the use of simple payment by each member of the organization, such as executives and employees belonging to the company, when an organization such as a company becomes a subscriber to the simple payment service and the simple payment service is performed based on an account in the name of the organization. it is for In this specification, organizations and members are described as examples of companies and executives and employees, respectively, but the technology according to the embodiments of the present invention may be used in other arbitrary types of organizations such as public institutions and schools in addition to companies.

In this specification, the simple payment system 5 refers to an online system for actually operating and executing a simple payment service. For example, in the case of Zero Pay, the payment system of a financial institution or payment service provider that allows payment to be made based on the account registered to the Zero Pay service by each merchant and consumer corresponds to the simple payment system (5) in this specification. can do.

The simple payment usage restriction system 3 according to embodiments is not for implementing the payment process itself of the simple payment service, but an application (or app) executed to use the simple payment service on the user device 2, and / or by communicating with the simple payment system 5, it functions to apply a predetermined limit to the user's use of simple payment.

For example, when an employee of a company makes a payment through a simple payment at a simple payment affiliated store 101, the employee can use a web browser or a simple payment application running on a user device 2 such as his/her smartphone. Payment can be requested by recognizing the code (eg, barcode or QR code) 102 provided in the affiliated store 101 and inputting the payment amount and password.

In the drawings, one user's user device 1 and one administrator's user device 2 are shown for convenience of explanation, but this is an example, and the number of actual users using the simple payment use restriction system 3 is shown. It will be readily understood by those skilled in the art that it is not limiting.

At this time, the simple payment system 5 communicates with a web browser or application running on the user device 2 to receive a simple payment use request from the user device 2, and the simple payment use restriction system 3 provides the user's simple payment You can request verification of payment usage. In the simple payment use restriction system (3), based on the restrictions registered in advance by the manager of the company to which the employee belongs, the verification result of approving or rejecting the use of the simple payment of the employee is provided to the simple payment system (5) as a response. can At this time, in the embodiments of the present invention, the restriction on the use of simple payment is realized based on the one-time coupon given to each employee in the simple payment use restriction system 3, and the form of the one-time coupon will be described in detail later.

For the above operation, the simple payment use restriction system 3 is communicatively connected to the user device 1 of the administrator of the organization and the user device 2 of the user corresponding to the member of the organization through a wired and / or wireless network. can In addition, in one embodiment, the simple payment usage restriction system 3 may be more communicatively connected to the simple payment system 5 that will execute account-based payment. In the present specification, a communication method through a wired and/or wireless network may be implemented using any communication method capable of networking objects and objects, and wired communication, wireless communication, 3G, 4G, or other methods not limited to by

Also, the devices described herein may have aspects that are entirely hardware, or partly hardware and partly software. For example, the simple payment use restriction system 3 and each system, device, server and unit included in the system communicating with the system 3 are devices for exchanging data in a specific format and content in an electronic communication method and related thereto. software can be referred to as In this specification, terms such as "unit", "module", "server", "system", "platform", "device" or "terminal" refer to a combination of hardware and software driven by the hardware. it is intended to For example, the hardware herein may be a data processing device including a CPU or other processor. Also, software driven by hardware may refer to a running process, an object, an executable file, a thread of execution, a program, and the like.

In one embodiment, the simple payment usage restriction system 3 includes a coupon management unit 31, a receiving unit 32 and a verification unit 33. The coupon management unit 31 may include an issuing unit 311 and a use processing unit 312 . Also, in one embodiment, the simple payment usage restriction system 3 further includes a database (DB) 34. Furthermore, in one embodiment, the simple payment usage restriction system 3 further includes an interlocking unit 35 .

In this specification, each module constituting the simple payment use restriction system 3 is not necessarily intended to refer to a separate physically distinct component. That is, although each module or DB 1-6 constituting the simple payment use restriction system 3 in FIG. 1 is shown as a separate block distinguished from each other, this is the simple payment use restriction system 3 executed by this It is functionally divided by action. Depending on embodiments, some or all of the aforementioned modules may be integrated into the same device, or one or more modules may be implemented as a separate device physically separated from other modules. For example, each part of the simple payment usage restriction system 3 may be components communicatively connected to each other under a distributed computing environment.

The coupon management unit 31 receives restriction information for limiting the use of easy payment by the company from the user device 1 of the manager. Received limited information may be stored in the DB (34) by the coupon management unit (31). The issuing unit 311 of the coupon management unit 31 may generate a one-time coupon for simple payment use of executives and employees belonging to the company based on the limited information, and the use processing unit 312 may respond to the employee's request for simple payment use. Management such as using, processing, or discarding previously issued one-time coupons may be performed. The form of the one-time coupon will be described later in detail.

When an employee who wants to use simple payment at an affiliated store (101) for the simple payment service requests the simple payment system (5) to use a one-time coupon using the user device (2), the receiver (32) sends the simple payment system A verification request for the use of a one-time coupon may be received from (5). For example, if an employee of a company spends expenses that fall within the business scope of the company and wants to pay the corresponding expense through Zero Pay in the name of the company, the employee can use the Zero Pay application running on his or her user device (2). The use of simple payment may be requested to the simple payment system 5 , and a verification request from the simple payment system 5 may be received by the receiving unit 32 .

The verification unit 33, in response to the receiving unit 32 receiving the verification request, checks whether or not the one-time coupon issued to the employee who requested simple payment is usable based on the limited information registered in advance by the manager of the company. serves to verify. If the verification of the one-time coupon is successful, the verification unit 33 transmits a response that simple payment is possible to the simple payment system 5 so that the simple payment requested by the employee can proceed.

On the other hand, as a result of verification based on the limited information on the one-time coupon, if the employee's simple payment request fails to verify, the verification unit 33 may provide the simple payment system 5 with a response to reject the payment as a verification result. there is.

Restriction information registered in the simple payment use restriction system 3 by the manager of the company defines the use limit of a one-time coupon given to executives and employees of the company for the use of simple payment. In this case, the usage limit is not necessarily determined based on an amount, and may define the number of usage, usage amount, and/or available time for a certain period of time (eg, day, month, year, etc.). In addition, the usage limit does not necessarily have to be individually defined for each executive and employee of the company, and the manager can also designate a collective limit on the number or amount of easy payment used by designated executives and employees for multiple executives and employees of the company.

In one embodiment, the manager of the company designates a type of business where one-time coupons are available (or unavailable) among merchants of the simple payment service, or individually selects merchants who can use one-time coupons (or merchants who cannot use it). You can also register restrictions with . In this case, the interlocking unit 35 of the simple payment use restriction system 3 receives the list of merchants who have subscribed to the simple payment service through communication with the simple payment system 5 from the simple payment system 5, and receives By providing the list of affiliated stores to the manager's user device 1, the manager may define limited information using some or all of the provided affiliated store lists.

Also, in one embodiment, the manager of the company may register a restriction so that easy payment is controlled using the location-based function of the user device 2 . In this case, the simple payment system 5 may receive the location information of the user device 2 together with the simple payment use request and transmit the location information to the simple payment use restriction system 3 . In the simple payment use restriction system 3, whether the user's location information is within a preset distance from the affiliated store 101, and/or the location of the affiliated store 101 is a preset distance from the user's work place preset in the DB 34 Verification to determine whether or not to allow simple payment based on whether or not it is within can be performed. Payment control using the location-based function will be described later in detail with reference to FIGS. 8A to 8C.

2 is a flowchart illustrating each step of a simple payment use restriction method according to an embodiment. The simple payment use restriction method according to embodiments may be performed using the simple payment use restriction system according to embodiments.

Referring to FIG. 2, in one embodiment, the simple payment usage restriction system 3 receives a list of affiliated stores of the simple payment service from the simple payment system 5 in order for the manager of the company to register usage restrictions based on the simple payment affiliated stores. And (S11), it can be provided to the manager (100) (S12). However, when the manager 100 registers only restrictions based on other methods other than affiliated stores, eg, limit amounts or available time, the above steps S11 and S12 may be omitted.

The manager 100 of the company may register restriction information applied when executives and employees of the company spend expenses in the simple payment method based on the company's account in the simple payment use restriction system 3 (S13). In FIG. 2, the manager 100 and the user 200 are shown for convenience of explanation, but information transmission and reception between the manager 100 and the user 200 and the simple payment use restriction system 3 is performed by each user. It will be easily understood by those skilled in the art that it is performed through communication between the user devices 1 and 2 ( FIG. 1 ) and the simple payment usage restriction system 3 .

In the simple payment use restriction system 3, based on the restriction information registered by the manager 100 of the company, a one-time coupon for limiting the use of simple payment by executives and employees belonging to the company can be generated (S14). At this time, the one-time coupon functions to segment employees' use of easy payment based on a certain amount. That is, similar to existing paper coupons, when an employee uses simple payment, the one-time coupon held by the employee is used (or discarded). In addition, a one-time coupon cannot be used for payment of an amount greater than the amount defined as the coupon, and when paying for an amount greater than the coupon amount, multiple coupons are managed to be used, and an amount less than the coupon amount is paid with simple payment. Even if you do, one coupon is used at the time of payment, and the remaining amount is discarded.

3 to 7 are conceptual diagrams of an exemplary user interface (UI) for registration of usage restrictions in the simple payment usage restriction system according to an embodiment.

Referring to FIG. 3, in this embodiment, a one-time coupon for simple payment use is defined as a meal ticket, and the administrator can register limited information by specifying a limit on the use of the meal ticket, a meal ticket user and / or a member store. In addition, the right holder may designate a name and description of the corresponding meal stamp or a withdrawal account for executing simple payment corresponding to the corresponding meal stamp.

More specifically, the manager may define the usage limit of the meal ticket using the UI element 401 as a one-time usage limit or a usage limit for a predetermined period (eg, 1 day, 1 month, etc.). In this case, a limit may be defined so that a one-time usage limit and a usage limit for a certain period of time are applied overlappingly. In addition, limits may be defined so that a plurality of usage limits based on different periods are applied together, such as determining a daily limit and a monthly limit at the same time. In addition, the administrator may define a user or a group of users who can use the corresponding meal ticket using the UI element 402 . Furthermore, the administrator may define an affiliated store, a group of affiliated stores, or a category of affiliated stores that can use the corresponding meal ticket by using the UI element 403 .

In one embodiment, a manager may select a set of users to whom a corresponding meal ticket is to be granted by selecting a predefined user group based on a business division or project of the company. For this operation, in one embodiment, the DB 34 (FIG. 1) of the simple payment use restriction system 3 may store manpower information representing the manpower composition by business division or project of the company, and the manager stores the DB If a saved business division or project is selected, one or more corresponding executives and employees can be defined as a subject of restriction based on the personnel information in the DB. In addition, in one embodiment, the interlocking unit 35 (FIG. 1) of the simple payment use restriction system 3 represents the manpower composition by business division or by project from the enterprise resource planning (ERP) system of the enterprise. It may be further configured to receive manpower information and store it in a DB.

4 shows an exemplary UI for an administrator to limit use of easy payment based on a type of business. Referring to FIG. 4, the manager checks the list of industries 410 of affiliated stores of the simple payment service via the simple payment use restriction system, and restricts the use of simple payment by employees or industries that will allow employees to use simple payment. You can choose what industry to do.

In addition, referring to FIG. 5, the manager checks the list of individual merchants of the simple payment service through the simple payment use restriction system, and among them, the member stores to be registered as available for simple payment use UI elements 421-424. It is also possible to define restrictions on the use of simple payment in a way that you directly select through At this time, the manager may also search the region where the affiliated store is located, the type of business, the menu, and/or the trade name through the UI element 420.

6 and 7 are exemplary UIs illustrating another method of defining usage restrictions in the simple payment usage restriction system according to an embodiment.

Referring to FIG. 6, the manager of the company selects to limit the limit of one-time coupons issued to executives and employees of the company to one-time use through the UI element 430, or/or for a predetermined period (eg, day, month). , years, etc.) The usage limit applied at this time may be a fixed limit regardless of the type of affiliate store, or may be a limit defined for each affiliate store category. For example, it is also possible to define a one-time coupon usage limit such that the limit that a company's executives and employees can use in the food service industry is 300,000 won per month, but the limit that can be used in the transportation industry, such as public transportation, is 500,000 won per month.

In addition, referring to FIG. 7 , the manager may register restrictions on the use of one-time coupons by defining a time during which employees can use simple payment (or a time during which they cannot be used) through a UI element 440 . At this time, the available time for easy payment (or unavailable time) may be defined by day of the week and/or by date, and a time limit is applied regardless of the type of member store or a time limit for each member store category. this may apply. For example, the time during which corporate executives and employees can use one-time coupons in the food service industry is defined as 11:00 to 14:00 and 18:00 to 20:00 on weekdays, but in the transportation industry, the use of one-time coupons is allowed to be used without restrictions on the use time limits can be defined.

1 and 2, the simple payment usage restriction system 3 is based on the restriction information registered by the administrator in the simple payment usage restriction system 3 using the UI described above, corresponding to the executives and employees of the company. A one-time coupon may be generated (S14). In addition, information on the generated one-time coupon may be stored in the DB 34 of the simple payment use restriction system 3.

Afterwards, when the company's executives and employees want to use expenses in a simple payment method, the user 200, the employee, uses a QR code 102 provided in the simple payment affiliated store 101 through an application running on his or her user device 2 ) can be recognized (S15). In the application recognizing the QR code of the affiliated store 101, a request to use a one-time coupon is transmitted to the simple payment system 5 in order to pay for the affiliated store through simple payment (S16). The above operation can be performed after the employee inputs the payment amount and password for payment, and user identification information or terminal identification information that can identify the employee requesting payment for the use request transmitted to the simple payment system (5). , the amount requested for use, and information such as a member store for use may be included. Furthermore, the use request transmitted to the simple payment system 5 may further include user location information obtained by using the location-based function of the user device.

The simple payment system 5 receiving the request for use from the user 200 may request verification of the one-time coupon to the simple payment use restriction system 3 (S17). At this time, the simple payment system 5 transmits information such as user identification information or terminal identification information received through a use request from the user 200, usage request amount, affiliate store, and location information of the user device to the simple payment usage restriction system ( 3) can be passed on. In the simple payment use restriction system (3), based on the verification request of the simple payment system (5), the executive and employee requesting the simple payment, the amount requested for use, and affiliates are identified, and based on the restriction information registered by the manager of the company Verification of the employee's use of a one-time coupon may be performed (S18).

For example, in the simple payment usage restriction system 3, whether the amount requested for simple payment does not exceed the one-time limit of one-time use of a one-time coupon (eg, meal ticket) given to the employee, Whether the sum of simple payment amounts used during a certain period (eg, day, month, year, etc.) does not exceed the limit allocated to the employee, and whether a group of users including the employee The use of one-time coupons can be verified based on whether the sum of simple payment amounts does not exceed the limit assigned to the group.

As another example, in the simple payment usage restriction system (3), whether the target merchant for which simple payment is requested corresponds to the type of business or individual merchant designated as available by the manager, or whether the target merchant is restricted to use by the manager, or individual merchant It is also possible to verify the use of a one-time coupon based on whether it does not correspond to the above.

As another example, in the simple payment use restriction system (3), a one-time payment based on whether the time when an employee requested simple payment corresponds to the time when the use of simple payment is allowed for the employee or a group of users including the employee You can also verify the use of coupons.

As another example, the simple payment use restriction system 3 may control payment based on the user's location and work distance by utilizing the location-based function of the user device as shown in FIGS. 8A to 8C .

For example, in the simple payment use restriction system 3, whether the user's location information is within a preset distance from the affiliated store, and whether the affiliated store's location is within a preset distance from the user's workplace, allows easy payment based on whether If the user is within a certain distance from the merchant and the merchant is within a certain distance from the user's place of work, the use of a one-time coupon for simple payment is permitted, and the user is at least a certain distance from the merchant or the merchant The use of a one-time coupon may be refused if the employee is more than a certain distance away from the workplace.

8a shows that the location of the affiliated store 501 is within a preset distance (R ₁ ) from the location of the user 502 obtained using the location-based function of the user device, and the simple payment usage restriction system 3 It represents a case within a preset distance (R ₂ ) from the location of the workplace 500 of the user 502 stored in advance in . For example, the preset distance (R ₁ ) may be 10m, and the preset distance (R ₂ ) may be 500m, but is not limited thereto. In this case, since the user is close to the affiliated store 501 and the corresponding affiliated store 501 is located near the user's place of work 500, the simple payment usage restriction system 3 may permit the use of a one-time coupon.

Meanwhile, FIG. 8B shows a case where the affiliate store 501 is within a preset distance (R ₂ ) from the user's place of work 500, but the user 502 is not within a preset distance (R ₁ ) from the corresponding affiliate store 501. . In this case, it is true that the affiliated store 501 is near the workplace 500, but it is not confirmed that the user is currently visiting the corresponding affiliated store 501, so the simple payment use restriction system 3 can reject the use of a one-time coupon there is.

In addition, FIG. 8C shows a case where the user 502 is within a preset distance (R ₁ ) from the affiliated store 501, but the corresponding affiliated store 501 is not within a preset distance (R ₂ ) from the user's place of work 500. . In this case, it is confirmed that the user is visiting the affiliated store 501, but since the affiliated store 501 is not near the user's place of work 500, it is regarded as not a normal corporate expense, and in the simple payment use restriction system (3) You may refuse to use a one-time coupon.

Referring back to FIG. 2, when it is determined that the one-time coupon can be used as a result of the verification, the simple payment use restriction system 3 provides a simple payment enabling response to the simple payment system 5 as a verification result. (S19).

In the simple payment system (5), in response to the one-time coupon use being verified through the simple payment use restriction system (3), the merchant 101 from the company's account through the simple payment service executed based on the company's account Payment can be made for (S20). Since the payment process through such a simple payment service is performed only after the user 200's one-time coupon use is verified by the simple payment use restriction system 3, the company's expenses through simple payment can be reduced based on the company's internal regulations. There is an advantage in that it is possible to control and prevent fund accidents from occurring.

On the other hand, in the simple payment use restriction system (3), the fact of payment is confirmed through the simple payment system (5) (S21). The DB 34 of the simple payment usage restriction system 3 is updated to process usage. That is, after the simple payment usage restriction system 3 provides a payment possibility response to the simple payment system 5, it communicates with the simple payment system 5 after a preset time or every preset cycle, or the simple payment system 5 ), it is possible to check whether or not the simple payment method based on the account of the company has actually been made according to the payment possibility response (S21).

Whether or not payment has been made according to the payment possibility response is determined through the simple payment usage history (or account transaction history) received from the simple payment system (5) to the simple payment usage restriction system (3), the amount used by the employee and the date and time of use. And/or it can be confirmed by checking information on the affiliated store in real time. For example, the simple payment use restriction system 3 uses authentication information such as a certificate, ID, and password of a company corresponding to a simple payment service subscriber to automatically Log in, and collect the simple payment usage history (or account transaction history) provided by the simple payment system (5) in a professional way using API (Application Programming Interface), and use this to determine whether payment is actually made according to the payment possibility response. can check whether

For example, communication using the API between the simple payment use restriction system 3 and the simple payment system 5 in the embodiments is performed by calling a preset URL through HTTPS or HTTP protocol in the simple payment system 5. , Simple payment usage restriction system 3 may be made in a way to provide a result in the form of data such as JSON as a response. In addition, the types of messages through the API include user information inquiry, limit inquiry, payment pre-processing, payment result notification, payment cancellation result notification, payment refund result notification, withdrawal account management, card information inquiry, system time inquiry, connection maintenance message, etc. There may be. At this time, the payment pre-processing message may refer to a message for verifying the limit of the user and the available industry in the simple payment transaction.

The request message transmitted to the simple payment use restriction system (3) includes specific information items, such as length of message, message type code, transaction identification code, message tracking number, message version, message transmission date, message transmission time, app code, It may include API authentication key and/or API service ID. At this time, the app code, API authentication key, and API service ID are identifiers assigned to the simple payment operator and the app/service of the operator in order to use the simple payment usage restriction system (3). In addition, the response message transmitted to the simple payment system 5 by the simple payment use restriction system 3 includes the length of the message, the message type code, the transaction identification code, the message tracking number, the API service ID, the response code, the response message, and the response. It can include date, response time, etc.

In addition, depending on the type of request, the full text of the request includes (i) user identification information such as user mobile number and name, (ii) payment amount information such as transaction amount, service charge, value-added tax, etc., (iii) affiliated store number, affiliated store industry code, and affiliated business type name , Merchant address, merchant postal code, representative name, merchant business registration number, merchant contact information, tax exemption classification code, merchant information such as small business classification, (iv) account such as simple payment card number, withdrawal/payment account number and bank code It may contain more information.

Furthermore, the full response message, in addition to the above-mentioned information according to the type of request and the processing result of the request, (v) classification of the user's organization, ID of the user, name of the organization, business number, department code, department name, affiliated business number, Organizational information such as name of affiliated business, (vi) limit amount, limit serial number, limit name, whether one-time limit was used, whether daily limit was used, whether or not monthly limit was used, whether result was processed or not, and one-time coupon can be used, such as processing result details, etc. It may further include verification result information on whether or not.

However, in the simple payment use restriction system according to the embodiments, information items included in the type of message through the API and the request and response through the message may be appropriately set, and are not limited to the examples described in this specification.

In the simple payment usage restriction system (3), which confirms that payment by the simple payment method has been made, processing of deducting the employee's simple payment usage limit based on the one-time coupon is performed (S22), and the details of the limit deduction are sent as a response to the payment result It can be provided to the simple payment system 5 (S23).

At this time, each one-time coupon is used in units of the number of coupons, not in units of payment amount, and even if an amount less than the coupon amount is used, the corresponding coupon amount is deducted from the employee's usage limit. For example, even if the one-time use limit of the meal ticket registered by the manager is 8,000 won, and the employee actually requested payment and the amount paid to the affiliated store is 5,000 won, the simple payment use restriction system (3) The DB of the simple payment use restriction system 3 may be updated so that one one-time coupon (ie, 8,000 won value) is used and processed.

Next, the simple payment system 5 may provide a payment result including the limit deduction details received from the simple payment usage restriction system 3 to the user 200 (S24). By checking the payment result from the simple payment system 5, the user 200 can check whether the one-time coupon for simple payment issued by the user 200 has been used and the reason for the payment rejection, such as exceeding the limit when the coupon payment is rejected. . The operation by the simple payment use restriction method according to the above-described embodiments may be at least partially implemented as a computer program and recorded on a computer-readable recording medium. Computer-readable recording media on which programs for implementing operations by methods according to embodiments are recorded include all types of recording devices in which computer-readable data is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, and optical data storage devices. In addition, computer-readable recording media may be distributed in computer systems connected through a network, and computer-readable codes may be stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing this embodiment can be easily understood by those skilled in the art to which this embodiment belongs.

Further, each block or each step shown in the flowcharts herein may represent a module, segment or portion of code that includes one or more executable instructions for executing specified logical function(s). Also, in some alternative embodiments, it is possible for the functions mentioned in the blocks or steps to occur out of order. For example, two blocks or steps shown in succession may in fact be performed substantially concurrently, or the blocks or steps may sometimes be performed in reverse order depending on their function.

The present invention reviewed above has been described with reference to the embodiments shown in the drawings, but this is only exemplary, and those skilled in the art will understand that various modifications and variations of the embodiments are possible therefrom. However, such modifications should be considered within the technical protection scope of the present invention. Therefore, the true technical protection scope of the present invention should be determined by the technical spirit of the appended claims.

Claims (13)

A coupon configured to receive restriction information for limiting the use of simple payment based on the organization's account for one or more users from an administrator, and based on the restriction information, generate a one-time coupon for the use of simple payment by the one or more users. Management;
a receiving unit configured to receive a verification request for the one-time coupon from a simple payment system for executing simple payment based on an account of the organization; and
In response to the verification request, a simple payment comprising a verification unit configured to verify whether the one-time coupon can be used based on the restriction information, and to provide a payment possibility response to the simple payment system when the one-time coupon is verified. Use restriction system.
According to claim 1,
The coupon management unit is further configured to discard the one-time coupon corresponding to the use request when simple payment is used by the payment enable response.
According to claim 1,
The restriction information is defined for the one or more users and includes usage limit information of the one-time coupon for a preset period or a preset number of uses.
According to claim 3,
The usage limit information includes a sum of the usage amount or the number of times of use of the one-time coupon used by a plurality of users designated by the manager.
According to claim 1,
Further comprising an interlocking unit configured to receive a list of merchants capable of payment through the simple payment system from the simple payment system,
The restriction information, simple payment usage restriction system including information on one or more affiliated stores selected on the basis of one or more of the type of business, region or branch from the affiliated store list.
According to claim 1,
The verification unit is further configured to provide a payment rejection response to the simple payment system when the usage request does not conform to the restriction information.
Receiving, by the system for limiting use of simple payment, restriction information for limiting the use of simple payment based on the account of the organization to one or more users from an administrator;
Generating, by the simple payment usage restriction system, a one-time coupon for the simple payment usage of the one or more users based on the restriction information;
receiving, by the simple payment use restriction system, a request for use of the one-time coupon from a simple payment system for executing simple payment based on an organization's account;
verifying, by the simple payment usage restriction system, whether the one-time coupon can be used based on the restriction information in response to the usage request; and
The simple payment usage restriction system comprising the step of providing a payment possibility response to the simple payment system when the one-time coupon is verified.
According to claim 7,
The simple payment use limiting system further comprising the step of discarding the one-time coupon corresponding to the use request when the simple payment is used by the payment enable response.
According to claim 7,
The restriction information is defined for the one or more users and includes usage limit information of the one-time coupon for a preset period or a preset number of uses.
According to claim 9,
The usage limit information includes a value obtained by summing the usage amount or the number of times of use of the one-time coupon used by a plurality of users designated by the manager.
According to claim 7,
The step of receiving the restriction information from the administrator includes the step of receiving, by the simple payment use restriction system, a list of merchants capable of payment through the simple payment system from the simple payment system;
Wherein the restriction information includes information on one or more affiliated stores selected on the basis of one or more types of business, regions, or branches from the affiliated store list.
According to claim 7,
The simple payment use limiting system further comprising the step of providing a payment rejection response to the simple payment system when the use request does not conform to the restriction information.
A computer program stored in a computer-readable recording medium combined with hardware to perform the simple payment usage restriction method according to any one of claims 7 to 12.

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