KR20230059541A - Equipment and method of use for separate sales based on optional service charge - Google Patents

Abstract

The present invention discloses a terminal device, a server, a system, and a method using the same for separate sales based on optional service charges.
According to an embodiment of the present invention, in a payment terminal device for separate sales on a communication network, a payment information provider providing a selling price that distinguishes and includes a supply price, which is a cost paid by a business operator, and a basic service charge, which is a cost paid by a service provider, in a store; a service charge selector providing an input interface for changing the amount of the basic service charge according to customer satisfaction; The expected payment amount including the supply price and the selected service charge is paid through the payment method of the customer, and payment request information is transmitted to the payment proxy server, and the payment proxy server receives the payment approval information obtained through the payment server. Payment processing unit to complete the payment; and a payment amount settlement unit configured to settle the approved payment amount, which is the payment approval information, from the payment proxy server to the business operator or to the business operator and the service provider respectively.

Description

Equipment and method of use for separate sales based on optional service charge {Equipment and method of use for separate sales based on optional service charge}

The present invention relates to equipment and a method of use for separate sales based on optional service charge. More specifically, technology that can actively select (change) the service charge according to customer satisfaction when paying at the store, and separate sales (separate payment) of the supply price, which is the cost paid by the business operator, and the service charge, which is the cost paid by the service provider. It is about.

In general, service charge is provided in exchange for services provided by service providers such as freelancers or employees, separate from the supply price of goods and services subject to taxation. simply pays the service charge to the relevant service provider on behalf of the service charge, and the service charge may not be included in the value-added tax base if the fact of payment satisfies the requirement that it can be confirmed through the service charge payment ledger.

For example, business operators in industries such as hairdressing, body care services (eg, massage, skin/obesity management, nail salons, etc.), food, lodging, and entertainment taverns must pay VAT as general taxpayers. In these industries, the proportion of labor costs in total sales is quite high, but since conventional credit card terminals can only make payments to operators registered in affiliated stores through the VAN (Value Added Network) payment system, service such as freelancers or employees Even the service charge paid to the provider is accounted for as sales of the business operator registered in the card terminal. Therefore, there is a problem of increasing tax rates due to an increase in imaginary sales, and as a result, businesses avoid credit card payments, which can lead to activation of credit card transactions and deterioration of transparency of tax data.

Therefore, conventionally, when a business operator makes a customer's credit card payment up to the amount to be paid to the service provider, the sales are processed in a lump sum (however, items are separately written on the sales slip) and then through a separate process (distribution of service charge and service charge payment ledger, etc.) It was necessary to carry out a cumbersome procedure to settle and pay the amount corresponding to the service charge to the service provider.

However, such a post-settlement process may not promptly pay the service provider the correct service charge, and unlike in reality, the service charge is inflated from the total sales and accounted for, resulting in tax evasion to reduce taxes, including value-added tax and global income tax. It has a problem that can be exploited.

On the other hand, service charge belongs to the tip provided by service providers as a sign of satisfaction with the service provided by the customer, apart from the taxable supply price, but in most businesses such as high-end hairdressing and luxury hotels, is being claimed based on what is actually included in the supply price. Therefore, customers cannot actively express their satisfaction, and there are structural limitations that make it difficult for service providers to receive fair compensation for their services.

In order to solve this problem, technology is being developed that allows customers to directly input service satisfaction and pay a separate service charge in addition to a fixed payment amount, but most of them use cash or points as a means of payment, such as freelancers or employees. It is limited to the concept of paying additional service charges (tips) to providers. Therefore, there is a need to develop a system that can actively set the service charge from the perspective of the total payment amount (sale price) including the supply price of the business owner and the service charge of the service provider or reflect customer satisfaction in real time.

Patent Publication No. 10-2013-0005090 (published date: 2013.01.15.)

Therefore, the present invention is to solve the various problems of the prior art as described above, first, the present invention, through the PG server of the PG (payment gateway) company, which is a payment proxy server, business operators (eg, store operators) The purpose is to separate sales (separate payment) by distinguishing between the supply price, which is the payment cost, and the service fee (eg, service fee, tip), which is the cost paid by the service provider (eg, freelancer, employee).

Second, another object of the present invention is to settle and pay a corresponding payment amount to a business operator and a service provider, respectively, based on a service fee that is actively selected (changed) according to satisfaction level from the customer's point of view.

Thirdly, in the present invention, if there is existing payment information paid by the customer for a certain period of time in the store, based on the average ratio of the supply price and service charge among the existing payment information, basic service charge is set and provided to the corresponding customer. It has a different purpose.

Fourth, the present invention provides an input interface that can reduce or increase the basic service charge according to the set standard according to customer satisfaction, so that the sales price of goods and services is higher (sales price increase: supply price is fixed, service charge is increased) or You can selectively pay for a low amount (reduced sales price: fixed supply price, reduced service charge), which has another purpose.

Fifth, in the present invention, when the customer increases the basic service charge among the selling price (payment price) paid at the store, the supply price is reduced by the same amount, and when the service charge is reduced among the selling price, the supply price is the same amount It is increased as much as possible, and there is another purpose of maintaining the same scheduled payment amount.

A payment terminal device according to an embodiment of the present invention is a payment terminal device for separate sales on a communication network, which provides a selling price that distinguishes and includes a supply price, which is a cost paid by an operator, and a basic service charge, which is a cost paid by a service provider, in a store. information provision; a service charge selector providing an input interface for changing the amount of the basic service charge according to customer satisfaction; The expected payment amount including the supply price and the selected service charge is paid through the payment method of the customer, and payment request information is transmitted to the payment proxy server, and the payment proxy server receives the payment approval information obtained through the payment server. Payment processing unit to complete the payment; and a payment amount settlement unit configured to settle the approved payment amount, which is the payment approval information, from the payment proxy server to the business operator or to the business operator and the service provider respectively.

In addition, the basic service charge may be characterized in that it is calculated according to a ratio of the service charge and the supply price determined by the entrepreneur and the service provider within the selling price.

In addition, the basic service charge may be calculated according to an average ratio between the supply price and the service charge among the existing payment information, if there is existing payment information paid by the customer for a certain period of time in the store.

In addition, the input interface includes a graphic input means on a display for reducing or increasing the basic service charge, a text input means including numbers, a mechanical button-type input means, and a selection information input means transmitted from a customer terminal device owned by the customer. It can be characterized as being any one of them.

In addition, the selection information may be a satisfaction score of a customer selected by the customer terminal device, and may be reflected in a change in amount of the basic service charge by means of a selection information input unit of the input interface.

In addition, the service charge selection unit, through the input interface, reduces the supply price by the same amount when the basic service charge is increased in the selling price, and increases the supply price by the same amount when the basic service charge is decreased in the selling price. can be characterized as being

In addition, the payment terminal device is any one of a POS (point of sales) terminal, a credit card payment terminal, and a smartphone combined with a credit card payment module provided in the store, and the payment server is a credit card company operation server. It can be characterized as being.

In addition, the payment proxy server may be characterized in that it is a PG server of a payment gateway (PG) company.

In addition, it is characterized in that the payment method is a credit card possessed by the customer or a customer terminal device possessed by the customer who connects to the payment terminal device and pays, and the customer terminal device is simple payment and cryptocurrency payment. It can be characterized by providing.

In addition, the payment amount settlement unit generates an electronic confirmation ledger of the service provider for payment details settled to the service provider among the payment amounts approved in the payment approval information, and the supply price, which is the payment cost of the business operator, and the service provider The service fee, which is the payment cost of the provider, may be characterized in that the payment agency server separately pays the service charge to the account of the business operator and the account of the service provider, respectively.

A method using a payment terminal device according to an embodiment of the present invention is a method using a payment terminal device for separate sales on a communication network, which distinguishes and includes a supply price, which is an operator payment cost, and a basic service charge, which is a service provider payment cost, in a store The process of visually presenting the selling price to the customer; selecting an amount of the basic service charge by providing an input interface in which the amount of the basic service charge is changed according to the satisfaction level of the customer; making a payment for the expected payment amount including the supply price and the selected service charge through the customer's payment means, and transmitting payment request information to a payment proxy server; a process of receiving payment approval information obtained through a payment server in the payment proxy server and completing the payment; and a process of settling the approved payment amount, which is the payment approval information, from the payment proxy server to the business operator or to the business operator and the service provider, respectively.

In addition, the basic service charge is calculated according to the ratio of the service charge and the supply price determined by the business operator and the service provider within the selling price, and if there is existing payment information paid by the customer for a certain period in the store, It may be characterized in that it is calculated according to an average ratio of the supply price and the service charge among the existing payment information.

In addition, the input interface includes a graphic input means on a display for reducing or increasing the basic service charge, a text input means including numbers, a mechanical button-type input means, and a selection information input means transmitted from a customer terminal device owned by the customer. The selection information may be a satisfaction score of a customer selected by the customer terminal device, and may be reflected in a change in amount of the basic service charge by means of a selection information input unit of the input interface.

In the process of selecting the amount of the basic service charge, if the basic service charge is increased in the selling price through the input interface, the supply price is reduced by the same amount, and if the basic service charge is reduced in the selling price, the It may be characterized in that the supply price is increased by the same amount.

A payment proxy server according to an embodiment of the present invention is a payment proxy server for separate sales on a communication network, comprising: a payment information verification unit that collects and verifies payment request information transmitted from a payment terminal device; A separate payment requesting unit for requesting payment approval from a payment server by dividing a supply price, which is a cost to be paid by a business operator, and a service charge selected by a customer, which is a cost to be paid by a service provider, from among the verified payment request information; a payment approval management unit that receives the payment approval information approved by the payment server according to the payment approval request and manages it separately into the supplier payment approval information and the service fee payment approval information; And a separate payment management unit that receives the payment amount corresponding to the supply price and the service charge approved for payment by the payment server, settles and pays to the corresponding business operator, or settles and pays the corresponding business operator and the corresponding service provider respectively. can do.

In addition, the service charge selected by the customer includes a graphic input means on a display that reduces or increases the basic service charge, a text input means including numbers, a mechanical button-type input means, and selection information transmitted from a customer terminal device owned by the customer. It is changed through an input interface of the payment terminal device, which is one of the input means, and the selection information is the satisfaction score of the customer selected in the customer terminal device, and the basic service fee is changed by the selection information input means of the input interface. It may be characterized in that it is reflected in the change in amount.

In addition, for the service charge selected by the customer, when the basic service charge is increased through the input interface of the payment terminal device, the supply price is reduced by the same amount, and when the basic service charge is decreased, the supply price is increased by the same amount, The basic service charge is calculated according to the ratio of the supply price and the service charge determined by the operator and the service provider, and if there is existing payment information paid by the customer for a certain period in the store, the supply price among the existing payment information And it may be characterized in that it is calculated according to the average ratio of the service charge.

In addition, the payment proxy server may be characterized in that it is a PG server of a payment gateway (PG) company.

A method using a payment proxy server according to an embodiment of the present invention is a method using a payment proxy server for separate sales on a communication network, comprising: collecting and verifying payment request information transmitted from a payment terminal device; A process of requesting payment approval from a payment server including a supply price, which is a cost paid by a business operator, and a service charge selected by a customer, which is a cost paid by a service provider, among the verified payment request information; receiving the payment approval information approved by the payment server according to the payment approval request, and classifying and managing the supplier payment approval information and the service charge payment approval information; and receiving the payment amount corresponding to the supply price and the service charge for which payment has been approved by the payment server, and calculating and paying the amount to the corresponding business operator, or calculating and paying the corresponding business operator and the corresponding service provider respectively. there is.

In addition, the service charge selected by the customer includes a graphic input means on a display that reduces or increases the basic service charge, a text input means including numbers, a mechanical button-type input means, and selection information transmitted from a customer terminal device owned by the customer. It is changed through an input interface of the payment terminal device, which is one of the input means, and the selection information is the satisfaction score of the customer selected in the customer terminal device, and the basic service fee is changed by the selection information input means of the input interface. It may be characterized in that it is reflected in the change in amount.

In addition, for the service charge selected by the customer, when the basic service charge is increased through the input interface of the payment terminal device, the supply price is reduced by the same amount, and when the basic service charge is decreased, the supply price is increased by the same amount, The basic service charge is calculated according to the ratio of the supply price and the service charge determined by the operator and the service provider, and if there is existing payment information paid by the customer for a certain period in the store, the supply price among the existing payment information And it may be characterized in that it is calculated according to the average ratio of the service charge.

In addition, the payment proxy server may be characterized in that it is a PG server of a payment gateway (PG) company.

A system according to an embodiment of the present invention is a system for separate sales on a communication network, and includes a payment terminal device and a payment proxy server, wherein the payment terminal device is a payment terminal device for separate sales on a communication network. A payment information providing unit that provides a selling price that includes and classifies the supply price, which is the cost paid by the operator, and the basic service charge, which is the cost paid by the service provider; a service charge selector providing an input interface for changing the amount of the basic service charge according to customer satisfaction; The expected payment amount including the supply price and the selected service charge is paid through the payment method of the customer, and payment request information is transmitted to the payment proxy server, and the payment proxy server receives the payment approval information obtained through the payment server. Payment processing unit to complete the payment; and a payment amount settlement unit that settles the approved payment amount, which is the payment approval information, from the payment proxy server to the operator or to the operator and the service provider respectively, wherein the payment proxy server comprises a communication network A payment proxy server for separate sales on a platform, comprising: a payment information verification unit that collects and verifies payment request information transmitted from a payment terminal device; A separate payment requesting unit for requesting payment approval from a payment server by dividing a supply price, which is a cost to be paid by a business operator, and a service charge selected by a customer, which is a cost to be paid by a service provider, from among the verified payment request information; a payment approval management unit that receives the payment approval information approved by the payment server according to the payment approval request and manages it separately into the supplier payment approval information and the service fee payment approval information; And a separate payment management unit that receives the payment amount corresponding to the supply price and the service charge approved for payment by the payment server, settles and pays to the corresponding business operator, or settles and pays the corresponding business operator and the corresponding service provider respectively. can do.

In addition, in the payment terminal device, the basic service charge is calculated according to the ratio of the service charge and the supply price determined by the operator and the service provider within the selling price, and the existing service charge paid by the customer at the store for a certain period of time. If payment information exists, it may be characterized in that it is calculated according to an average ratio of the supply price and the service charge among the existing payment information.

In addition, in the payment agency server, the service charge selected by the customer is a graphic input means on a display that reduces or increases the basic service charge, a text input means including numbers, a mechanical button-type input means, and a customer terminal owned by the customer. It is changed through an input interface of the payment terminal device, which is any one of the selection information input means transmitted from the device, and the selection information is the satisfaction score of the customer selected in the customer terminal device, and the selection information input means of the input interface Accordingly, it may be characterized in that it is reflected in the change in the amount of the basic service charge.

In addition, in the payment terminal device, the service charge selection unit, through the input interface, if the basic service charge is increased in the selling price, the supply price is reduced by the same amount, and if the basic service charge is reduced in the selling price, the It may be characterized in that the supply price is increased by the same amount.

A method using a system according to an embodiment of the present invention is a method using a system for separate sales on a communication network, including a method using a payment terminal device and a method using a payment proxy server, and a method using the payment terminal device. As a method using a payment terminal device for separate sales on a communication network, a process of visually providing customers with a selling price including a supply price, which is a cost paid by an operator, and a basic service charge, which is a cost paid by a service provider, in a store; selecting an amount of the basic service charge by providing an input interface in which the amount of the basic service charge is changed according to the satisfaction level of the customer; making a payment for the expected payment amount including the supply price and the selected service charge through the customer's payment means, and transmitting payment request information to a payment proxy server; a process of receiving payment approval information obtained through a payment server in the payment proxy server and completing the payment; And a step of settling the approved payment amount, which is the payment approval information, from the payment proxy server to the operator or to the operator and the service provider, respectively. The method using the payment proxy server, A method using a payment proxy server for separate sales on a communication network, comprising: collecting and verifying payment request information transmitted from a payment terminal device; A process of requesting payment approval from a payment server including a supply price, which is a cost paid by a business operator, and a service charge selected by a customer, which is a cost paid by a service provider, among the verified payment request information; receiving the payment approval information approved by the payment server according to the payment approval request, and classifying and managing the supplier payment approval information and the service charge payment approval information; and receiving the payment amount corresponding to the supply price and the service charge for which payment has been approved by the payment server, and calculating and paying the amount to the corresponding business operator, or calculating and paying the corresponding business operator and the corresponding service provider respectively. there is.

In addition, in the method using the payment terminal device, the basic service charge is calculated according to the ratio of the service charge and the supply price determined by the business operator and the service provider within the selling price, and the customer in the store for a certain period of time If existing payment information for payment exists, it may be characterized in that it is calculated according to an average ratio of the supply price and the service charge among the existing payment information.

In addition, in the method using the payment proxy server, the service charge selected by the customer is a graphic input means on a display for reducing or increasing a basic service charge, a text input means including numbers, a mechanical button-type input means, possessed by the customer. The selection information is changed through an input interface of the payment terminal device, which is any one of the selection information input means transmitted from the customer terminal device, wherein the selection information is the satisfaction score of the customer selected in the customer terminal device, and the selection information of the input interface. It may be characterized in that the change in amount of the basic service charge is reflected by the input means.

In addition, in the method using the payment terminal device, in the process of selecting the amount of the basic service charge, if the basic service charge is increased among the selling prices through the input interface, the supply price is reduced by the same amount; Among the selling prices, if the basic service charge is reduced, the supply price may be increased by the same amount.

In addition, the above object of the present invention, as a system for separate sales on a communication network, is also achieved by a system characterized in that it includes the payment terminal device and the payment proxy server.

In addition, the above object of the present invention, as a method using a system for separate sales on a communication network, is also achieved by a method using the payment terminal device and a method using the payment proxy server.

In addition to this, it is also achieved by other terminal devices, servers, systems and methods for implementing the present invention and computer readable recording media for recording computer programs for executing the methods.

First, according to the present invention, through the PG server of the PG (payment gateway) company, which is a payment proxy server, the supplier (eg, store operator) payment cost and the service provider (eg, freelancer, employee) payment cost Sealed service charge can be classified and sold separately (separate payment), preventing the troublesome procedure in which the operator settles and pays the amount corresponding to the service charge to the service provider through a separate process (distributing service charge and preparing a service charge ledger, etc.) The settlement amount can be conveniently separated and paid, and the effect of improving the transparency of accounting can be obtained.

Second, according to the present invention, based on the service charge actively selected (changed) according to the satisfaction level from the customer's point of view, the corresponding payment amount can be calculated and paid to the business operator and service provider, respectively, so that the service provider can pay for his or her service. There is an effect of receiving a tip proportional to the tip.

Thirdly, according to the present invention, if there is existing payment information paid by the customer for a certain period of time in the store, a basic service charge can be set for the corresponding customer based on an average ratio between the supply price and the service charge among the existing payment information. There is an effect of providing optimized basic service charge.

Fourth, according to the present invention, an input interface capable of reducing or increasing the basic service charge according to the set standard according to customer satisfaction is provided, so that the sales price of goods and services is higher (sales price increase: supply price is fixed, service charge is increased) Alternatively, there is an effect of selectively paying a low amount (reduction in sales price: supply price fixed, service charge reduction). That is, a different selling price may be selectively paid in proportion to the customer's satisfaction.

Fifth, according to the present invention, when the customer increases the basic service charge among the sales price (payment price) paid by the customer at the store, the supply price is reduced by the same amount, and when the service charge is reduced among the sales price, the supply price is the same. It is increased by the amount, so there is an effect of maintaining the same scheduled payment amount. That is, the customer can select and pay the service charge according to the satisfaction level of the service without burdening additional costs (the entire payment amount is the same).

1 is a diagram showing the configuration of a system for separate sales based on optional service charge according to an embodiment of the present invention.
2 is a diagram showing the configuration of a system for separate sales based on optional service charges according to another embodiment of the present invention.
3 is a diagram showing in detail the internal configuration of a payment terminal device 200 according to one embodiment and another embodiment of the present invention.
4 is a diagram showing in detail the internal configuration of the payment proxy server 300 according to one embodiment and another embodiment of the present invention.
5 is a diagram showing a separate sales process in case the payment agent server 300 is a VAN server (A) and a PG server (B) according to one embodiment and another embodiment of the present invention.
6 is a flow chart between each component for separate payment of optional service charge according to an embodiment of the present invention.
7 is a flowchart between each component for separate payment of optional service charge according to another embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The detailed description of the present invention which follows refers to the accompanying drawings which illustrate, by way of illustration, specific embodiments in which the present invention may be practiced. It should be understood that the various embodiments of the present invention are different from each other but are not necessarily mutually exclusive. Combinations of each block of the accompanying configuration diagram (block diagram) and each step of the flowchart in the present invention can be performed by computer program instructions. Each such block or step may represent a module, segment or portion of code that contains one or more executable instructions for executing the specified logical function(s). It should also be noted that in some alternative embodiments it is possible for the functions recited in blocks or steps to occur out of order. For example, two blocks or steps that are shown adjacent or in sequence may in fact be performed substantially concurrently, or the blocks or steps may be performed in reverse order depending on their function.

It should also be understood that the location or arrangement of individual components within each disclosed embodiment may be changed without departing from the spirit and scope of the invention. Accordingly, the detailed description described below is not intended to be taken in a limiting sense, and the scope of the present invention should be construed to cover all ranges equivalent to those claimed by the claims. In addition, similar reference numerals in the drawings indicate the same or similar functions in various aspects, and the form may be exaggerated for convenience.

Meanwhile, the terms used in the present invention are terms used to appropriately express preferred embodiments of the present invention, which may vary according to a user's intention or customs in the field to which the present invention belongs. Therefore, definitions of these terms should be understood based on the content throughout this specification. When it is said that a certain part "includes" a certain element in the entire specification, this means that it may further include other elements rather than excluding other elements unless otherwise stated. In addition, terms such as “unit” and “module” described in the specification refer to a unit that processes at least one function or operation, and may be implemented as hardware or software or a combination of hardware and software.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily practice the present invention.

system configuration

1 is a diagram showing the configuration of a system for separate sales based on optional service charge according to an embodiment of the present invention.

Referring to FIG. 1 , a system according to an embodiment of the present invention may include a communication network 100, a payment terminal device 200, a payment proxy server 300, and a payment server 400.

First, the communication network 100 according to an embodiment of the present invention performs a series of data transmission and reception operations for data transmission and information exchange between the payment terminal device 200, the payment proxy server 300 and the payment server 400. As a network capable of doing so, it can be configured regardless of its communication mode, such as wired and/or wireless.

More specifically, a local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN), an Integrated Services Digital Network (ISDN), and a wireless LAN (wireless LAN). LAN), mobile communication network, Wi-Fi (Wireless Fidelity), Bluetooth (Bluetooth) or ZigBee (ZigBee), etc., or various types of wired / wireless communication networks that can be configured in connection with a combination thereof However, this is described as an example, and the present invention is not limited thereto, and known communication technologies may be adopted and used without limitation.

Next, the payment terminal device 200 according to an embodiment of the present invention may be a digital device capable of performing a function of paying customers for selling prices for goods and services provided by the store.

More specifically, such a payment terminal device 200 is provided in the store and through the customer's payment means (eg, credit card payment, smartphone payment, etc.), the business operator pays for goods and services purchased or used by the customer. It may be a terminal device for separate settlement (separate sales) of each item of selling price that distinguishes and includes a supply price item (including VAT), which is an expense, and a basic service charge item, which is a cost paid by a service provider. At this time, an input interface in which the amount of the basic service charge is changed according to the satisfaction of the customer is provided, and based on the service charge actively selected from the customer's point of view, the operator (eg, store operator) and the service provider (eg, , freelancers, and employees) can be sold separately by settling the costs separately.

In addition, the payment terminal device 200 according to another embodiment of the present invention directly recognizes the identification means (FIG. 2, 600) possessed by one or more service providers in the store, and manages the identification information of the corresponding service provider separately. (For example, it can be classified by the same color as the color of the ID card, or by the same number, symbol, letter, etc. printed on the ID card). It may further perform a function of providing identification information of the corresponding service provider so that each service provider can select (change the amount of service charge).

At this time, the payment terminal device 200 may be a point of sales (POS) terminal or a credit card payment terminal, but the present invention is not limited thereto, and has a communication function like a smartphone and displays information capable of displaying Various types of known terminals having a can be adopted and utilized without limitation. In particular, in the case of a smartphone, a credit card payment function may be simultaneously utilized by combining an online electronic payment function and a credit card payment module. In addition, an application program for supporting such a payment processing process may be installed in the payment terminal device 200. When the payment terminal device 200 is a POS (Point of sales) terminal, a dedicated web program may be installed. It can be downloaded and installed, and in the case of a smartphone, a separate payment (separate sales) process according to the present invention can be implemented by downloading a dedicated app (APP) program through the App Store or Google Play Store.

The payment terminal device 200 according to an embodiment of the present invention described above can be clearly understood by the following detailed description with reference to FIG. 3 .

Next, the payment proxy server 300 according to an embodiment of the present invention verifies the payment request information transmitted from the payment terminal device 200 and transmits it to the payment server 400 to settle the approved payment amount. It is a server that can perform the function of making and paying.

More specifically, the payment proxy server 300 collects payment request information transmitted from the payment terminal device 200 and determines whether the payment method (for example, credit card) of the payment request information is normally issued or not and whether the payment limit is reached. , It is possible to verify normal transaction status, etc., and to request payment approval from the payment server 400 by distinguishing (separating) the supply price and service charge from the verified payment request information.

In addition, according to the separate payment request, the supply price and the service charge are separately managed according to the approval information approved by the payment server 400, and the supply price and the service charge can be settled and paid to the operator and the service provider, respectively. In general, the payment proxy server 300 may play a role of relaying the payment terminal device 200 and the payment server 400 through the communication network 100 . When such a payment proxy server 300 receives a transaction approval request from the payment terminal device 200, it requests payment approval by inquiring the payment server 400 whether the corresponding card has been issued normally, whether the limit is sufficient, whether it is a normal transaction, etc. And, if the payment is approved from the payment server 500, the sales slip for the normal transaction details can be purchased to support the payment server 500 of the card company to pay the corresponding payment approval to the business operator and service provider. .

Meanwhile, in FIG. 1 showing an embodiment of the present invention, the payment proxy server 300 is shown as one configuration for convenience of description, but the payment proxy server 300 is a PG server of a payment gateway (PG) company. It may be either a VAN server of a Value Added Network (VAN) company, or a configuration in which a PG server and a VAN server are linked. Preferably, the payment request information is sold separately (payment) according to the present invention through the PG server. It may be most efficient to implement The payment request information is requested from the VAN server to the payment server 400 through the PG server, and payment approval information according to the settlement request can be received from the PG company server again through the VAN company server.

The payment proxy server 300 according to an embodiment of the present invention will be understood in more detail by the following detailed description with reference to FIG. 4 .

Next, the payment server 400 according to an embodiment of the present invention approves the payment request information verified and transmitted from the payment terminal device 200 through the payment proxy server 300, and settles the corresponding payment amount. It may be a server capable of performing a payment function.

More specifically, such a payment server 400 may generally be an operation server of a credit card company, and after verifying the payment request information transmitted from the payment terminal device 200 in the payment proxy server 300, request payment approval. If so, whether or not to approve it can be transmitted to the payment proxy server 300 . At this time, the payment server 400 approves the payment after final confirmation of various payment information according to the customer's payment method (eg, credit card). By approval, it is possible to implement separate sales according to the present invention. The payment server 400 according to an embodiment of the present invention may be more specifically understood by the following detailed description with reference to FIGS. 6 and 7 .

2 is a diagram showing the configuration of a system for separate sales based on optional service charges according to another embodiment of the present invention.

Referring to FIG. 2, the system according to an embodiment of the present invention includes a communication network 100, a payment terminal device 200, a payment proxy server 300, a payment server 400, a customer terminal device 500, and an identification means. (600) may be further included.

The configuration of the payment terminal device 200, the payment proxy server 300, and the payment server 400 in the system for separate sales based on optional service charges according to another embodiment of the present invention is as described in FIG. Since the content is the same as or similar to the content, the following detailed description will focus on the customer terminal device 500 and the identification means 600 in order to avoid duplication.

First, the customer terminal device 500 according to another embodiment of the present invention is a payment terminal device for separately paying and paying the costs of a business operator and a service provider for goods and services purchased or used by a corresponding customer in a store By communicating with (200), it is possible to perform a function of settling the expected payment amount including the supply price, which is the cost to be paid by the business operator, and the service charge, which is the cost to be paid by the service provider.

In addition, a function of providing the service charge to be changed (input) according to customer satisfaction may be performed. For example, the customer terminal device 500 may be a device such as a smartphone possessed by a customer. The customer terminal device 500 according to an embodiment of the present invention is a payment terminal device ( 200), a digital device including a function capable of changing (inputting) the service charge according to customer satisfaction, such as a mobile communication terminal device, an information communication device, a multimedia terminal device, Various known digital devices such as wired terminal devices, wireless terminal devices, and IP (Internet Protocol) terminal devices can be adopted without limitation. Specifically, the customer terminal device 500 includes a smart phone, a portable terminal, a mobile terminal, a foldable terminal, and a personal digital assistant owned by the customer. : A digital device equipped with a memory means such as a PDA) and equipped with a microprocessor and having an arithmetic capability, as long as it has an input means for inputting information and includes a wired/wireless communication function, the present invention It can be adopted as a terminal device according to

In addition, the customer terminal device 500 may include a display means for displaying an input interface for changing (inputting) the service fee according to the satisfaction level of the customer according to the present invention. Here, the display means is LCD (Liquid Crystal Display), TFT-LCD (Thin Film Transistor LCD), OLED (Organic Light Emitting Diodes), Light Emitting Diode (LED), AMOLED (Active Matrix Organic LED), Flexible Display and a 3D display. At this time, since the display means may include a touch screen, some or all of the functions of the input means may be performed.

Next, the identification means 600 according to another embodiment of the present invention is carried by one or more service providers in the store and directly or indirectly recognizes the payment terminal device 200 to provide identification information of the corresponding service provider function can be performed.

More specifically, the identification means 600 identifies the service provider by accessing the service provider identification unit 250 with any one of an ID card, a smartphone, a tag, and an image code (eg, barcode, QR code). Information may be provided. If there are a plurality of service providers classified according to the identification information, the ratio may be divided by the number of corresponding service providers.

At this time, the payment terminal device 200 may further provide a function of directly or indirectly recognizing the identification means 600 possessed by one or more service providers in the store to classify the identification information of the corresponding service provider. For example, by directly recognizing the identification means 600 possessed by each of the plurality of service providers, identification information of the service provider is received, or identification possessed by the service provider in the customer terminal device 500 possessed by the customer When the means 600 is recognized within a certain radius for a certain period of time, it is indirectly recognized from the customer terminal device 500, and identification information of the service provider can be provided to the customer.

Configuration of the payment terminal device 200

In the following detailed description, for implementation of one embodiment and another embodiment of the present invention, the internal configuration of the payment terminal device 200 that performs important functions and the functions of each component will be reviewed.

3 is a diagram showing in detail the internal configuration of a payment terminal device 200 according to one embodiment and another embodiment of the present invention.

Referring to FIG. 3 , the payment terminal device 200 according to one embodiment and another embodiment of the present invention includes a payment information providing unit 210, a service charge selection unit 220, a payment processing unit 230, and payment amount settlement. It may include a unit 240, a service provider identification unit 250, a terminal device database 260, a terminal device communication unit 270, and a terminal device control unit 280.

According to one embodiment and another embodiment of the present invention, the payment information providing unit 210, the service charge selection unit 220, the payment processing unit 230, the payment amount settlement unit 240, the service provider identification unit 250 ), the terminal device database 260, the terminal device communication unit 270, and the terminal device control unit 280, at least some of which are the payment agent server 300, the payment server 400, the customer terminal device 500 and / or It may be program modules that transmit and receive data with the identification means 600 . These program modules may be included in the payment terminal device 200 in the form of an operating system, application program module, and other program modules, and may be physically stored on various well-known storage devices. For example, it may be implemented as a general-purpose processor, a dedicated processor) and/or software components (eg, firmware, application, program module) and combinations thereof. Also, these program modules may be stored in a remote storage device capable of communicating with the payment terminal device 200 . Meanwhile, these program modules include routines, subroutines, programs, objects, components, data structures, etc. that perform specific tasks or execute specific abstract data types according to the present invention, but the present invention is not limited thereto. .

First, the payment information providing unit 210 according to one embodiment and another embodiment of the present invention has a function of providing a selling price including a supply price, which is a cost paid by a business operator, and a basic service charge, which is a cost paid by a service provider, in a store. can be done

More specifically, the payment information providing unit 210 may provide a selling price, which is an expected payment amount, calculated by dividing the supply price of the business operator operating the store and the basic service charge, which is the payment cost to the service provider. In this case, the basic service charge may be calculated according to a set criterion. The set criterion is calculated according to a ratio of the service charge and the supply price determined by the business operator and the service provider within the selling price, or If there is existing payment information paid by the customer for a certain period of time, it may be calculated according to the average ratio of the supply price and the service charge among the existing payment information.

On the other hand, in another embodiment of the payment information providing unit 210, in conjunction with the service provider identification unit 250 described later, the payment cost for each service provider divided according to the supply price and identification information, which is the payment cost to the operator of the store It is possible to provide a selling price that distinguishes and includes a basic service charge. In this case, if there are multiple service providers classified according to the identification information, the corresponding basic service charge may be set by dividing the ratio of the service charge by the number of corresponding service providers.

Next, the service charge selection unit 220 according to one embodiment and another embodiment of the present invention may perform a function of providing an input interface in which the amount of the basic service charge is changed according to customer satisfaction.

More specifically, the service charge selector 220 allows the customer to easily select (change) the amount of the service charge according to his/her satisfaction level through the input interface, for example, reduce or increase the basic service charge. It may be any one of a graphic input means on a display, a text input means including numbers, a mechanical button-type input means, and a selection information input means transmitted from the customer terminal device 500 possessed by the customer. In this case, the selection information may be a satisfaction score of the customer selected by the customer terminal device 500, and may be reflected in the change in the amount of the basic service charge by the selection information input means of the input interface.

Therefore, by utilizing the input interface, the basic service charge can be actively and conveniently reduced or increased according to the customer's satisfaction, and a higher or lower amount than the selling price (including the supply price and the basic service charge) can be selectively paid. From the customer's point of view, the total payment amount can be saved according to the level of satisfaction, and on the contrary, from the point of view of operators and service providers, sales exceeding the selling price can be obtained. For example, if the sales price is 10,000 won, the supply price may be 9,000 won (including VAT) and the basic service charge may be 1,000 won. You can optionally pay a lower amount. In other words, the supply price is fixed at 9,000 won, but the service charge is reduced to 500 won or increased to 1,500 won, so that the total selling price is lower than the basic selling price of 10,000 won at 9,500 won or higher at 11,500 won. You can selectively pay other selling prices in proportion to your satisfaction.

In addition, the service charge selector 220 may, through the input interface, reduce the supply price by the same amount if the basic service charge is increased among the selling price, and if the basic service charge is reduced in the selling price, the supply price is the same. It is increased by the amount, so there is an effect of maintaining the same scheduled payment amount (selling price).

For example, if the sales price is 10,000 won, the supply price is 9,000 won (including tax) and the basic service charge may be 1,000 won. KRW) is reduced to 8,500 KRW, so in the end, the same selling price of 10,000 KRW can be maintained. In addition, if the sales price is 10,000 won, the supply price is 9,000 won (including tax) and the basic service charge may be 1,000 won. Since the price is increased by 9,500 won, the same selling price of 10,000 won can be maintained in the end. Therefore, the customer can select and pay the service charge according to the satisfaction level of the service without burdening additional costs.

Next, the payment processing unit 230 according to one embodiment and another embodiment of the present invention settles the expected payment amount including the supply price and the selected service charge through the payment method of the customer, and the payment agent server 300 ) and transmits the payment request information, and the payment proxy server 300 receives the payment approval information obtained through the payment server 400 to complete the payment.

More specifically, such a payment processing unit 230, in order to pay the expected payment amount including the supply price and the service charge selected by the customer, through the customer's payment means (eg, credit card), the payment agent server After transmitting the payment request information to 300 and verifying the transmitted payment request information in the payment agency server 300 and finally being approved by the payment server 400, the payment approval information is sent back to the payment server 300. It is received from the agency server 300 and can be settled (notified) to the business operator and service provider to complete the payment. At this time, the payment method may be a credit card possessed by the customer, but is not necessarily limited to the present invention, and the customer terminal device 500 possessed by the customer who connects to the payment terminal device 200 and pays Also, it may be possible to provide known simple payment and cryptocurrency payment.

On the other hand, in another embodiment of the payment processing unit 230, it is interlocked with the service provider identification unit 250 described later to pay the expected payment amount including the supply price and the selected service charge through the payment method of the customer. Payment request information and identification information of the service provider may be transmitted to the proxy server 300, and payment approval information obtained through the payment server 400 may be received by the payment proxy server 300 to complete the payment.

Next, the payment amount settlement unit 240 according to one embodiment and another embodiment of the present invention settles the approved payment amount, which is the payment approval information, from the payment proxy server 300 to the business operator, or to the business operator. and the function of settlement to the service provider, respectively. At this time, the settlement may mean notifying (notifying) payment approval information rather than paying the amount.

More specifically, the payment amount settlement unit 240 may receive settlement of the approved payment amount paid by the payment server 400 via the payment proxy server 300. For example, in the settlement method, In the case of the operator of the store, it may be provided by a method of printing a card payment slip (sales slip) by an output device connected to the payment terminal device 200. At this time, the settlement for the service provider can be performed separately in the payment agency server 300 instead of the payment amount settlement unit 240, so the service provider (especially in the case of a freelancer) can perform payment settlement and settlement without providing separate personal information to the business operator. After tax processing is processed through the payment agency server 300, which is a PG server, the amount of service charge may also be paid directly from the payment agency server 300 to an account. It can be clearly understood through the separate payment management unit 340 of the payment agency server 300 with reference to FIG. 4 .

On the other hand, the payment amount settlement unit 240 may settle the settlement for the business operator and the service provider, respectively. In the case of the service provider, it is provided as a separate item in the card payment slip, or the service provider is generally related to a separate payment. Since there is no terminal device, the service provider may provide settlement information for the service fee through a smartphone, which is a terminal possessed by the service provider. In addition, the payment amount settlement unit 240 may perform a function of generating an electronic confirmation ledger of the service provider for payment details settled to the service provider among the payment amounts approved in the payment approval information. For example, if the settlement information is provided in the form of an electronic ledger by a smartphone, which is a terminal possessed by a service provider, the service provider who has confirmed this can complete and provide the electronic confirmation ledger by performing a verification procedure such as an electronic signature, and settle the payment amount The unit 240 stores these separately for each service provider, and can be used as evidence when processing taxes including value-added tax thereafter.

The supply price, which is the payment cost of the business operator, and the service charge, which is the payment cost of the service provider, can be settled in the payment agency server 300 and paid separately to the account of the business operator and the account of the service provider, respectively. Referring to FIG. A more clear understanding can be obtained from the following detailed description.

Next, the service provider identification unit 250 according to another embodiment of the present invention directly or indirectly recognizes the identification means 600 possessed by one or more service providers in the store to obtain the identification information of the corresponding service provider. It can perform a distinguishing function.

More specifically, the service provider identification unit 250 is directly/indirectly through the identification means 600, which is any one of an ID card, a smartphone, a wireless tag, and an image code possessed by one or more of the service providers. The service charge selection unit 220 receives identification information (for example, an encrypted identification code) of the corresponding service provider by accessing the service, and identifies one or more service providers using the received identification information. It can be displayed on the display of the interface.

At this time, the service provider identification unit 250 directly recognizes the identification means 600 possessed by each service provider to receive the identification information of the service provider, or the customer terminal device possessed by the customer. When the identification means 600 possessed by the service provider is recognized for a certain period of time within a certain radius, it is indirectly recognized from the customer terminal device 500, and based on this, the service charge selector 220 determines the satisfaction of the customer. Identification information of the service provider may be provided on an input interface capable of changing the amount of the basic service charge.

In addition, the service provider identification unit 250 recognizes the encrypted service provider identification information and transmits it together with the payment request information to the payment proxy server 300, so that the payment proxy server 300 The payment amount to be paid to the service provider through the payment server 400 based on the previously stored (registered) personal information (including name, address, resident registration number, account number) of the service provider corresponding to the identification information Payment approval information can be received.

For example, when an ID card (in the form of an employee ID card) worn by one or more service providers is directly recognized through the service provider identification unit 250, the corresponding plurality of services are displayed on the input interface of the service charge selection unit 220. Providers may be displayed separately. For example, in order to protect the personal information of service providers, they may be classified according to the same color as the ID card, or may be classified identically to numbers, symbols, letters, etc. printed on the ID card. . On the other hand, if the service provider agrees to disclose some of the personal information, the service provider's photo, name, age, etc. may be classified and displayed based on personal information.

In this way, the basic service charge of service providers classified according to the identification information can be conveniently changed (selected) according to customer satisfaction, so that customers who have received services from multiple service providers can easily identify the service provider and pay the service charge. You can pay selectively (change the amount of service charge).

Next, the terminal device database 260 according to one embodiment and another embodiment of the present invention includes selling price information, payment information, customer purchase information, service provider identification information, settlement information of business operators and service providers, and related thereto. It may be a storage device capable of storing information.

Next, in the terminal device communication unit 270 according to one embodiment and another embodiment of the present invention, the internal components of the payment terminal device 200 include the payment proxy server 300, the payment server 400, and the customer terminal device. 500 and/or identification means 600, etc., and may perform a function of enabling data (information) to be transmitted and received. In addition, the function of recognizing data (information) may be performed in the identification means 600 possessed by the service provider according to an embodiment of the present invention.

Finally, the terminal device control unit 280 according to one embodiment and another embodiment of the present invention includes a payment information providing unit 210, a service charge selection unit 220, a payment processing unit 230, a payment amount settlement unit ( 240), the service provider identification unit 250, the terminal device database 260, the terminal device communication unit 270, and the terminal device control unit 280 may perform a function of controlling data flow. That is, the terminal device control unit 280 according to the present invention controls the flow of data from the outside or between each component of the payment terminal device 200, so that the payment information providing unit 210 and the service charge selection unit 220 , Payment processing unit 230, payment amount settlement unit 240, service provider identification unit 250, terminal device database 260, terminal device communication unit 270, and terminal device control unit 280 to perform unique functions, respectively. You can control it.

Configuration of the payment agency server 300

In the following detailed description, the internal configuration of the payment proxy server 300 that performs important functions for the implementation of the present invention and the functions of each component will be reviewed.

4 is a diagram showing in detail the internal configuration of the payment proxy server 300 according to one embodiment and another embodiment of the present invention.

Referring to FIG. 4, the payment agency server 300 according to one embodiment and another embodiment of the present invention may be a PG server of a payment gateway (PG) company, and includes a payment information verification unit 310, a separate payment request unit 320, a payment approval management unit 330, a separate payment management unit 340, a server database 350, a server communication unit 360 and a server control unit 370 may be included and configured.

According to one embodiment and another embodiment of the present invention, each component of the payment proxy server 300 may be physically stored on various well-known storage devices, hardware components (eg, It may be implemented as a general-purpose processor, a dedicated processor) and/or software components (eg, firmware, application, program module) and combinations thereof. The components of the payment proxy server 300 are the same as or similar to the configuration concept of the payment terminal device 200 with reference to FIG. 3, so descriptions are simplified to avoid duplication. Hereinafter, the function of each component of the payment proxy server 300 be explained based on

First, the payment information verification unit 310 according to one embodiment and another embodiment of the present invention may perform a function of collecting and verifying payment request information transmitted from the payment terminal device 200 .

More specifically, the payment information verification unit 310 determines the expected payment amount including the service charge selected (changed) by reflecting the customer's satisfaction in the supply price, which is the cost paid by the business operator operating the store, and the basic service charge, which is the cost paid by the service provider. A process of receiving and verifying payment request information including payment method (for example, credit card) information of a customer who pays the expected payment amount may be performed from the payment terminal device 200 . At this time, in the verification process, the payment proxy server 300 collects payment request information transmitted from the payment terminal device 200, and among the payment request information, whether or not the payment means (eg, credit card) is normally issued, and the payment limit Whether or not, normal transaction, etc. are verified, and payment approval may be requested from the payment server 400 in a later process for the verified payment request information.

Meanwhile, in another embodiment of the payment information verification unit 310, identification information of one or more service providers as well as payment request information from the payment terminal device 200 may be simultaneously collected and verified. At this time, if there are multiple service providers classified according to the identification information, based on personal information including the name, address, resident registration number, and account number of the previously registered (stored) service provider corresponding to the identification information, After confirming the contents of the identification information, it can be used in the settlement and payment process of business operators and service providers.

Next, the separate payment request unit 320 according to one embodiment and another embodiment of the present invention, among the verified payment request information, is selected by the customer, which is the payment cost to the service provider and the supply price, which is the cost paid by the operator in the store. A function of requesting payment approval to the payment server 400 by classifying the service charge may be performed.

More specifically, since the separate payment requesting unit 320 can request payment approval from the payment server 400 by dividing the service charge selected by the customer as the service charge paid by the operator and the service charge paid by the service provider, Separate sales according to the present invention can be implemented even in the settlement and payment process.

At this time, the service charge selected by the customer includes a graphic input means on a display that reduces or increases the basic service charge, a text input means including numbers, a mechanical button-type input means, and selection information transmitted from a customer terminal device owned by the customer. It can be changed through an input interface of the payment terminal device 200, which is one of the input means. In addition, the selection information is the satisfaction score of the customer selected by the customer terminal device 500, and can be reflected in the change in the amount of the basic service charge by the selection information input means of the input interface.

In addition, for the service charge selected by the customer, if the basic service charge increases through the input interface of the payment terminal device 200, the supply price is reduced by the same amount, and if the basic service charge is reduced, the supply price is increased by the same amount. It can be. At this time, the basic service charge is calculated according to the ratio of the supply price and the service charge determined by the operator and the service provider, and if there is existing payment information paid by the customer for a certain period in the store, among the existing payment information It may be calculated according to the average ratio of the supply price and the service charge.

On the other hand, in another embodiment of the separate payment request unit 320, among the verified payment request information, the service charge selected by the customer, which is the service provider payment cost classified according to the supplier payment cost in the store and the identification information It is possible to separately request payment approval to the payment server 400 . In this case, if there are multiple service providers classified according to the identification information, the basic service charge may be set by dividing the service charge ratio by the number of corresponding service providers.

In addition, the identification information of the service provider directly recognizes the identification means 600 possessed by one or more of the service providers, or the identification means possessed by the service provider in the customer terminal device 500 possessed by the customer. When 600 is recognized for a certain period of time within a certain radius, it may be indirectly recognized from the customer terminal device 500 .

Next, the payment approval management unit 330 according to one embodiment and another embodiment of the present invention receives the payment approval information approved by the payment server 400 according to the payment approval request, and the supplier payment approval information. and a function of separately managing the service charge payment approval information.

More specifically, the payment approval management unit 330 may receive payment approval information from the payment server 400, which is an operation server of a credit card company, according to the payment approval request. The approval information and the service fee payment approval information may be managed separately and provided to the relevant business operator and the corresponding service provider through the payment terminal device 200, or directly provided to the service provider through a smartphone owned by the service provider. In addition, it can be used in the settlement and payment process of the settlement amount thereafter to realize separate sales according to the present invention.

Next, the separate payment management unit 340 according to one embodiment and another embodiment of the present invention receives the payment amount corresponding to the supply price and the service charge approved for payment by the payment server 400 and settles the payment to the corresponding business operator. It can perform the function of making payment to the corresponding business operator and the corresponding service provider respectively.

More specifically, the separate payment management unit 340 may receive, for example, the payment amount corresponding to the supply price and the service charge approved for payment by the payment server 400, which is an operating server of a credit card company. The payment amount is divided into the supply price, which is the payment cost of the business operator, and the service charge, which is the payment cost of the service provider, and when settled, it is settled and paid to the account of the business operator, or paid separately to the account of each business operator and the account of the service provider. can do. The supply price and service charge paid after being settled in the account of the business operator may be paid back to the service provider by the business operator.

On the other hand, in another embodiment of the separate payment management unit 340, based on personal information including the name, address, resident registration number, and account number of the previously registered (stored) service provider corresponding to the identification information of the service provider, , can be paid to the above account of the service provider. At this time, an electronic confirmation ledger of the service provider may be further generated with respect to payment details settled to the service provider. For example, when settlement information is provided in the form of an electronic ledger to a smartphone, which is a terminal possessed by a service provider, the service provider who has confirmed this can complete the electronic confirmation ledger by performing a confirmation procedure such as an electronic signature.

Next, the server database 350 according to one embodiment and another embodiment of the present invention includes payment request information transmitted from the payment terminal device 200, payment approval information received from the payment server 400, and service provider It may be a storage device capable of storing personal information and the like.

The server database 350 is a concept including a computer-readable recording medium, and refers to a database in a broad sense including not only a database in a narrow sense but also a data record based on a file system, and even a simple set of logs. If data can be extracted by searching for it, it can be included in the server database 350 according to the present invention.

Next, in the server communication unit 360 according to one embodiment and another embodiment of the present invention, the internal components of the payment proxy server 300 are connected to external devices such as the payment terminal device 200 and the payment server 400. It can perform a function to transmit and receive data (information).

Finally, the server control unit 370 according to one embodiment and another embodiment of the present invention includes a payment information verification unit 310, a separate payment request unit 320, a payment approval management unit 330, a separate payment management unit ( 340), a function of controlling the flow of data between the server database 350 and the server communication unit 360 may be performed. That is, the server control unit 370 according to the present invention controls the flow of data from the outside or between each component of the payment proxy server 300, so that the payment information verification unit 310 and the separate payment request unit 320 , The payment approval management unit 330, the separate payment management unit 340, the server database 350, and the server communication unit 360 can each be controlled to perform unique functions.

In order to help the understanding of the entire system according to the present invention described above, in the following detailed description, a process (method) for separate payment of optional service charge according to an embodiment of the present invention will be described with an example. .

Separate sales process of payment agency server 300

In the following detailed description, in order to implement separate sales based on optional service charges according to the present invention, the payment agency server 300 that performs important functions is a VAN server and separate sales (payment) in the case of a PG server Compare and explain the process.

5 is a diagram showing a separate sales process in case the payment agent server 300 is a VAN server (A) and a PG server (B) according to one embodiment and another embodiment of the present invention.

First, referring to (A) of FIG. 5, when the payment agency server 300 is a VAN server, the store distinguishes the supply price, which is the cost paid by the operator, and the basic service charge, which is the cost paid by the service provider, and includes the selling price (settlement price). If visually provided to the customer, the customer selects a service charge according to the level of satisfaction and then proceeds to pay with his/her payment method (eg, credit card) through a payment terminal device 200 such as a POS or card terminal. can At this time, unless the service provider is registered as an affiliate of a separate business operator, payment can be made only by the payment terminal device 200 of the business operator registered as an affiliate in order to pay through the payment system of the VAN (Value Added Network) company.

Subsequently, the payment terminal device 200 transmits payment request information (including the supply price and the selected service charge) to the VAN server 300 of the VAN company, which is the payment proxy server 300, and collects it in the VAN server 300 After verifying, payment approval may be requested to the card company server 400, which is the payment server 400.

Then, the card company server 400, which is the payment server 400, performs a payment approval process according to the payment approval request from the VAN server 300, and the VAN server 300, which is the payment proxy server 300, performs the approved payment. Upon receiving the approval information, it is possible to classify and manage the supply price payment approval information and the service fee payment approval information.

Subsequently, the business operator may receive payment approval information from the VAN server 300 through the payment terminal device 200 to check payment approval completion information. However, since the service provider is not affiliated with the VAN server 300 through a separate payment terminal, payment approval completion information corresponding to the service fee can be confirmed only through the service provider. In addition, the VAN server 300 performs a process of settling the approved payment amount, which is the payment approval information, to the business operator, and transfers both the payment amount corresponding to the supply price and the service charge approved by the card company server 400 to the business operator. It can be settled and paid to.

In this VAN payment process, the business operator simply acts as an agent for the collection of service charge and pays it to the service provider, and only when the requirement that the payment is confirmed through the service charge payment ledger is satisfied, the service charge will not be included in the value-added tax base. can Therefore, businesses in industries such as hairdressing, body care service (e.g., massage, skin/obesity management, nail salon, etc.), food, lodging, and entertainment taverns have a fairly high percentage of total sales, but VAN (Value Added Network) Since payment, settlement, and payment are possible only for business operators registered in affiliated stores through the payment system of the company, even service fees paid to service providers such as freelancers or employees are all accounted for by sales of businesses registered in the card terminal. get caught Therefore, there may be a problem of an increase in tax due to an imaginary increase in sales, and when a customer pays by card up to the amount to be paid to the service provider by the business operator, collective sales are processed (however, items are separately written on the sales slip), and then There is a problem in that a cumbersome procedure must be performed to settle and pay the amount corresponding to the service charge to the service provider through a separate process (service charge distribution and service charge payment ledger preparation, etc.).

Next, referring to (B) of FIG. 5, when the payment agency server 300 is a PG server, the selling price (settlement price) that distinguishes and includes the supply price, which is the cost paid by the operator, and the basic service charge, which is the cost paid by the service provider, in the store is visually provided to the customer, the customer selects a service charge according to the level of satisfaction, and then pays with his/her payment method (eg, credit card) through a payment terminal device 200 such as a POS or card terminal. can do.

Subsequently, the payment terminal device 200 transmits payment request information (including the supply price and the selected service charge) to the PG server 300 of the PG company, which is the payment agency server 300, and collects it in the PG server 300 After verifying, payment approval may be requested to the card company server 400, which is the payment server 400.

Subsequently, the card company server 400, which is the payment server 400, performs a payment approval process according to the payment approval request from the PG server 300, and the PG server 300, which is the payment proxy server 300, performs the approved payment Upon receiving the approval information, it is possible to classify and manage the supply price payment approval information and the service fee payment approval information.

Subsequently, the operator can receive payment approval information from the PG server 300 through the payment terminal device 200 to check payment approval completion information. In addition, even in the case of a service provider, if a separate terminal device is provided (for example, a smartphone), payment approval completion information corresponding to the service provider can be checked in the PG server 300 .

In this PG payment process, the PG server 300 performs a process of settling the approved payment amount, which is the payment approval information, to the business operator and the service provider, respectively, to obtain the supply price approved for payment by the card company server 400 and The payment amount corresponding to the service charge may be settled and paid to the business operator and the service provider respectively.

Meanwhile, the supply price, which is the payment cost of the business operator, and the service charge, which is the payment cost of the service provider, may be separately paid to the account of the business operator and the account of the service provider in the PG server 300, respectively. Therefore, it is possible to prevent a cumbersome procedure in which the business operator has to separately settle and pay the corresponding service charge to the service provider, and even if the service provider does not perform a separate tax reporting procedure, the PG server 300 can collectively report and manage taxes. It could be possible.

Process for separate payment of optional service charges according to an embodiment

In the following detailed description, with respect to the process for separate payment of optional service charges according to an embodiment of the present invention, the data processing process is centered between the payment terminal device 200, the payment proxy server 300 and the payment server 400. Although described as an example, this describes the most representative process, and the present invention is not limited thereto. In particular, the payment proxy server 300 will be described focusing on a configuration that performs the function of a PG server of a payment gateway (PG) company.

6 is a flow chart between each component for separate payment of optional service charge according to an embodiment of the present invention.

Referring to FIG. 6 , the payment terminal device 200 can perform a process of visually providing a selling price (settlement price) including a supply price, which is a cost paid by an operator, and a basic service charge, which is a cost paid by a service provider, to customers in a store. Yes (S10). At this time, the basic service charge is calculated according to the ratio of the service charge and the supply price determined by the business operator and the service provider within the selling price, and if there is existing payment information paid by the customer for a certain period of time at the store, It may be calculated according to the average ratio of the supply price and the service charge among the existing payment information.

Subsequently, the payment terminal device 200 may perform a process of selecting the amount of the basic service charge by providing an input interface in which the amount of the basic service charge is changed according to the satisfaction of the customer (S20). At this time, the input interface,

It may be any one of a graphic input means on a display for reducing or increasing the basic service charge, a text input means including numbers, a mechanical button-type input means, and a selection information input means transmitted from a customer terminal device owned by the customer. In addition, the selection information is the satisfaction score of the customer selected by the customer terminal device 200, and can be reflected in the change in the amount of the basic service charge by means of the selection information input means of the input interface.

In the process of selecting the amount of the basic service charge, if the basic service charge is increased in the selling price through the input interface, the supply price is reduced by the same amount, and if the basic service charge is reduced in the selling price, the supply price is reduced. It may be increased by the same amount.

Subsequently, the payment terminal device 200 performs a process of paying the expected payment amount including the supply price and the selected service charge through the customer's payment means (eg, credit card) (S30), and the payment agent server A process of transmitting payment request information to (300) may be performed (S40).

Subsequently, the payment proxy server 300 may perform a process of collecting and verifying payment request information transmitted from the payment terminal device 200 (S50).

Subsequently, the payment proxy server 300 includes the supply price, which is the cost paid by the operator in the store, and the service charge selected by the customer, which is the cost paid by the service provider, among the verified payment request information, and requests payment approval to the payment server 400. can be performed (S60).

At this time, the service charge selected by the customer is transmitted from a graphic input means on a display that reduces or increases the basic service charge, a text input means including numbers, a mechanical button-type input means, and a customer terminal device 500 owned by the customer. It can be changed through the input interface of the payment terminal device 200, which is any one of the selection information input means. In addition, the selection information is the satisfaction score of the customer selected by the customer terminal device 500, and can be reflected in the change in the amount of the basic service charge by the selection information input means of the input interface.

In addition, for the service charge selected by the customer, if the basic service charge increases through the input interface of the payment terminal device 200, the supply price is reduced by the same amount, and if the basic service charge is reduced, the supply price is increased by the same amount. It can be. In addition, the basic service charge is calculated according to the ratio of the supply price and the service charge determined by the operator and the service provider, and if there is existing payment information paid by the customer for a certain period in the store, among the existing payment information It may be calculated according to the average ratio of the supply price and the service charge.

Subsequently, the payment server 400 performs a payment approval process (S70) according to the payment approval request, and the payment proxy server 300 receives the approved payment approval information (S80), and the supply price payment approval information and A process of classifying and managing the service charge payment approval information may be performed (S90).

Subsequently, the payment terminal device 200 may perform a process of receiving payment approval information acquired through the payment server 400 from the payment proxy server 300 and completing the payment (S100).

Subsequently, the payment terminal device 200 performs a process of settling the approved payment amount (supply price, service charge), which is the payment approval information, from the payment proxy server 300 to the business operator or to the business operator and the service provider respectively. It can be done (S110).

Subsequently, the payment proxy server 300 performs a process of receiving the payment amount corresponding to the supply price and the service charge approved by the payment server 400 (S120), and settles and pays to the corresponding business operator, or It is possible to perform a process of calculating and paying each service provider (S130). At this time, the supply price, which is the payment cost of the business operator, and the service charge, which is the payment cost of the service provider, may be paid to the account of the corresponding business operator from the payment agency server 300, or separately paid to the account of the business operator and the account of the service provider, respectively. . The supply price and service charge paid after being settled in the account of the business operator may be paid back to the service provider by the business operator. Meanwhile, an electronic confirmation ledger of the service provider may be further generated with respect to payment details settled to the service provider. For example, when settlement information is provided in the form of an electronic ledger to a smartphone, which is a terminal possessed by a service provider, the service provider who has confirmed this can complete the electronic confirmation ledger by performing a confirmation procedure such as an electronic signature.

Process for separate payment of optional service charge according to another embodiment

In the following detailed description, with respect to the process for separate payment of optional service charge according to another embodiment of the present invention, the payment terminal device 200, the payment proxy server 300, the payment server 400, the customer terminal device ( 500) and the identification means 600, the data processing process will be described as an example, but this is the most representative process, and the present invention is not limited thereto. In particular, the payment proxy server 300 will be described focusing on a configuration that performs the function of a PG server of a payment gateway (PG) company.

7 is a flowchart between each component for separate payment of optional service charge according to another embodiment of the present invention.

Referring to FIG. 7, the payment terminal device 200 directly recognizes (S11) or indirectly recognizes (S12) the identification means 600 possessed by one or more service providers in the store to distinguish the identification information of the corresponding service provider. It is possible to perform the process of (S20). At this time, in the process of classifying the identification information of the service provider, the identification means 600 possessed by each of the plurality of service providers is directly recognized (S11) to receive the identification information of the service provider, or the customer possessed by the customer When the terminal device 500 recognizes the identification means 600 possessed by the service provider within a certain radius for a certain period of time, it is indirectly recognized (S12) from the customer terminal device 500, and based on this, the input interface It is possible to provide identification information of the service provider on the above.

To explain such direct recognition (S11) and indirect recognition (S12) as an example, first, in the direct recognition method, the customer uses the identification means 600 possessed by the service provider to whom he/she wants to pay the service charge to the payment terminal. Payment can be made by directly recognizing (S11) through the device 200.

Next, in the indirect recognition method, the identification means 600 possessed by the service provider is within a certain radius (for example, within a radius of 1 m) for a certain period of time (for example, within 2 minutes). If recognized by the terminal device 500, based on this, the payment terminal device 200 may perform indirect recognition (S12) to make a payment. That is, when making a payment, the customer can conveniently pay the service charge in the payment terminal device 200 based on information (identification information) on the service provider automatically recognized in the customer terminal device 500 .

Therefore, the customer separately remembers the service provider who provided the service in close proximity to him or her (if the above conditions of a certain distance and a certain time are satisfied), or when paying, the service provider's identification means 600 is not directly needed, which is cumbersome. There is no need to find the service provider. In addition, in the case of receiving services from multiple service providers, for example, when a haircut provider, shampoo provider, and other service providers are all different in a hair salon, when the multiple service providers meet the conditions of a certain radius and a certain time period described above, the customer automatically Since it is recognized by the terminal device 500, it is possible to conveniently pay for a plurality of service providers at the time of payment.

Then, the store can perform a process of visually providing customers with the selling price (settlement price) including the supply price, which is the cost paid by the operator, and the basic service charge, which is the cost paid for each service provider classified according to the identification information ( S30). At this time, the basic service charge is calculated according to the ratio of the service charge and the supply price determined by the business operator and the service provider within the selling price, or if there is existing payment information paid by the customer for a certain period in the store, It is calculated according to the average ratio of the supply price and the service charge among the existing payment information, and if there are multiple service providers classified according to the identification information, the ratio may be divided by the number of corresponding service providers.

Subsequently, the payment terminal device 200 may perform a process of selecting the amount of the basic service charge by providing an input interface in which the amount of the basic service charge is changed according to the satisfaction of the customer (S40).

Subsequently, the payment terminal device 200 performs a process of paying the expected payment amount including the supply price and the selected service charge through the customer's payment means (eg, credit card) (S50), and the payment agent server A process of transmitting payment request information and identification information of the service provider may be performed in step 300 (S60). At this time, the payment proxy server 300 receives the payment request information and identification information of the service provider, and includes the name, address, resident registration number, and account number of the previously registered service provider corresponding to the identification information. Based on the personal information, it is possible to receive payment approval information of the payment amount to be paid to the service provider through the payment server 400 .

Subsequently, the payment proxy server 300 may perform a process of collecting and verifying payment request information transmitted from the payment terminal device 200 (S70).

Subsequently, the payment proxy server 300 includes the supply price, which is the cost paid by the operator in the store, and the service charge selected by the customer, which is the cost paid by the service provider, among the verified payment request information, and requests payment approval to the payment server 400. can be performed (S80). At this time, the service charge selected by the customer is transmitted from a graphic input means on a display that reduces or increases the basic service charge, a text input means including numbers, a mechanical button-type input means, and a customer terminal device 500 owned by the customer. It can be changed through the input interface of the payment terminal device 200, which is any one of the selection information input means. In addition, the selection information is the satisfaction score of the customer selected by the customer terminal device 500, and can be reflected in the change in the amount of the basic service charge by the selection information input means of the input interface.

Meanwhile, for the service charge selected by the customer, if the basic service charge is increased through the input interface of the payment terminal device 200, the supply price is reduced by the same amount, and if the basic service charge is reduced, the supply price is increased by the same amount. It can be. At this time, the basic service charge is calculated according to the ratio of the supply price and the service charge determined by the operator and the service provider, and if there is existing payment information paid by the customer for a certain period in the store, among the existing payment information It may be calculated according to the average ratio of the supply price and the service charge. In particular, when there are a plurality of service providers classified according to the identification information, the ratio may be divided by the number of corresponding service providers.

Subsequently, the payment server 400 performs a payment approval process (S90) according to the payment approval request, and the payment proxy server 300 receives the approved payment approval information (S100), and the supply price payment approval information and A process of classifying and managing the service charge payment approval information may be performed (S110).

Subsequently, the payment terminal device 200 may perform a process of receiving payment approval information acquired through the payment server 400 from the payment proxy server 300 and completing the payment (S120).

Subsequently, the payment terminal device 200 performs a process of settling the approved payment amount (supply price, service charge), which is the payment approval information, from the payment proxy server 300 to the business operator or to the business operator and the service provider respectively. It can (S130).

Subsequently, the payment proxy server 300 performs a process of receiving the payment amount corresponding to the supply price and the service charge approved by the payment server 400 (S140), and settles and pays to the corresponding business operator, or It is possible to perform a process of calculating and paying each service provider (S150). At this time, the supply price, which is the payment cost of the business operator, and the service fee, which is the payment cost of the service provider, may be paid to the account of the corresponding business operator from the payment agency server 400, or separately paid to the account of the business operator and the account of the service provider. . The supply price and service charge paid after being settled in the account of the business operator may be paid back to the service provider by the business operator. Meanwhile, an electronic confirmation ledger of the service provider may be further generated with respect to payment details settled to the service provider. For example, when settlement information is provided in the form of an electronic ledger to a smartphone, which is a terminal possessed by a service provider, the service provider who has confirmed this can complete the electronic confirmation ledger by performing a confirmation procedure such as an electronic signature.

According to the present invention as described above, through the PG server of the PG (payment gateway) company, which is a payment proxy server, the supplier (eg, store operator) payment cost and the service provider (eg, freelancer, employee) in the store It is a cumbersome procedure for business operators to settle and pay the amount corresponding to the service charge to the service provider through a separate process (distribution of service charge and service charge payment ledger, etc.) can be prevented, the settlement amount can be conveniently separated and paid, and the effect of improving the transparency of accounting can be obtained.

In addition, according to the present invention, based on the service fee that is actively selected (changed) according to the satisfaction level from the customer's point of view, the corresponding payment amount can be calculated and paid to the operator and the service provider, respectively. There is an effect of receiving a tip proportional to the tip.

In addition, according to the present invention, if there is existing payment information paid by the customer for a certain period of time in the store, a basic service charge may be set for the corresponding customer based on an average ratio between the supply price and the service charge among the existing payment information. There is an effect of providing optimized basic service charge.

In addition, according to the present invention, an input interface capable of reducing or increasing the basic service charge according to the set standard according to customer satisfaction is provided, so that the sales price of goods and services is higher (sales price increase: supply price is fixed, service charge is increased) Alternatively, there is an effect of selectively paying a low amount (reduction in sales price: supply price fixed, service charge reduction). That is, a different selling price may be selectively paid in proportion to the customer's satisfaction.

In addition, according to the present invention, if the basic service charge is increased from the selling price (payment price) paid by the customer at the store, the supply price is reduced by the same amount, and if the service charge is reduced from the selling price, the supply price is the same. It is increased by the amount, so there is an effect of maintaining the same scheduled payment amount. That is, the customer can select and pay the service charge according to the satisfaction level of the service without burdening additional costs (the entire payment amount is the same).

Embodiments according to the present invention described above may be implemented in the form of program instructions that can be executed through various computer components and recorded on a computer-readable recording medium. The computer readable recording medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the computer-readable recording medium may be specially designed and configured for the present invention, or may be known and usable to those skilled in the art of computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tapes, optical recording media such as CD-ROMs and DVDs, and magneto-optical media such as floptical disks. media), and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include high-level language codes that can be executed by a computer using an interpreter or the like as well as machine language codes such as those produced by a compiler. The hardware device may be configured to act as one or more software modules to perform processing according to the present invention and vice versa.

In addition, in the detailed description of the present invention, specific details such as specific components and limited embodiments and drawings have been described, but this is only provided to help a more general understanding of the present invention, and the present invention is limited to the above embodiments It is not, and those skilled in the art can make various modifications and variations from these descriptions. Therefore, the spirit of the present invention is not limited to the above-described embodiments, and not only the claims to be described later, but also all modifications equivalent or equivalent to the claims belong to the scope of the spirit of the present invention. will do it

100: communication network
200: payment terminal device
210: payment information providing unit
220: service charge selection unit
230: payment processing unit
240: Payment amount settlement unit
250: service provider identification unit
260: terminal device database
270: terminal device communication unit
280: terminal device control unit
300: Payment agency server (PG server)
310: payment information verification unit
320: separate payment request unit
330: payment approval management unit
340: separate payment management department
350: server database
360: server communication unit
370: server control unit
400: Payment server (card company server)
500: customer terminal device
600: identification means

Claims (10)

In the payment terminal device for separate sales on a communication network,
A payment information providing unit that provides a selling price including a supply price, which is a cost paid by the operator, and a basic service charge, which is a cost paid by the service provider, separately in the store;
a service charge selector providing an input interface for changing the amount of the basic service charge according to customer satisfaction;
The expected payment amount including the supply price and the selected service charge is paid through the payment method of the customer, and payment request information is transmitted to the payment proxy server, and the payment proxy server receives the payment approval information obtained through the payment server. Payment processing unit to complete the payment; and
A payment amount settlement unit that settles the approved payment amount, which is the payment approval information, from the payment proxy server to the business operator or to the business operator and the service provider respectively.
A payment terminal device comprising a.
According to claim 1,
The basic service charge is
The payment terminal device characterized in that the calculation is based on a ratio of the supply price and the service charge determined by the operator and the service provider within the selling price.
According to claim 1,
The basic service charge is
The payment terminal device according to claim 1 , wherein, if there is existing payment information paid by the customer for a certain period of time in the store, it is calculated according to an average ratio of the supply price and the service charge among the existing payment information.
According to claim 1,
The input interface,
It is any one of a graphic input means on a display for reducing or increasing the basic service charge, a text input means including numbers, a mechanical button-type input means, and a selection information input means transmitted from a customer terminal device owned by the customer. A payment terminal device that does.
According to claim 4,
The selection information,
The satisfaction score of the customer selected by the customer terminal device,
The payment terminal device characterized in that the change in the amount of the basic service charge is reflected by the selection information input means of the input interface.
According to claim 1,
The service charge selection unit,
If the basic service charge is increased among the selling prices through the input interface, the supply price is reduced by the same amount;
In the selling price, if the basic service charge is reduced, the supply price is increased by the same amount.
According to claim 1,
The payment terminal device,
Any one of a POS (point of sales) terminal, a credit card payment terminal, and a smartphone combined with a credit card payment module installed in the store,
The payment server,
A payment terminal device characterized in that it is an operation server of a credit card company.
According to claim 1,
The payment agent server,
A payment terminal device characterized in that it is a PG server of a PG (payment gateway) company.
According to claim 1,
The payment method is
It is characterized in that it is a credit card possessed by the customer or a customer terminal device possessed by the customer who makes payment by connecting to the payment terminal device,
The payment terminal device, characterized in that the customer terminal device provides simple payment and cryptocurrency payment.
According to claim 1,
The payment amount settlement unit,
For payment details settled to the service provider among the payment amounts approved in the payment approval information, an electronic confirmation ledger of the service provider is created;
The payment terminal device according to claim 1 , wherein the supply price, which is the payment cost of the business operator, and the service fee, which is the payment cost of the service provider, are separately paid to the account of the business operator and the account of the service provider, respectively, in the payment agency server.

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