KR20230153328A - System for creating an optimal payment combination using multiple payment methods - Google Patents

Abstract

A product purchase recommendation and payment system is launched. The product purchase recommendation and payment system according to an embodiment of the present invention is a payment method that registers one or more payment methods available to the user through a user input interface provided on the user device and manages the usage history of the payment method. Management; a benefit information management department that obtains and manages information on the payment method and information on benefits provided through the payment method; a taxation information management unit that receives the user's income information and taxation information from a tax information server that provides the user's financial income and taxation information; Based on the income information and the taxation information, an additional use amount calculation unit that calculates the user's deductible income deduction amount and an additional use amount required for entry into a lower tax standard section; a location information management unit that acquires location information of the user; a purchase product recommendation unit that automatically recommends a purchase product to the user based on the additional usage amount; and a payment means combination unit that provides a combination of the payment means based on the additional usage amount and the benefit information stored in the benefit information management unit when purchasing the recommended product.

Description

System for creating optimal payment combinations using multiple payment methods {SYSTEM FOR CREATING AN OPTIMAL PAYMENT COMBINATION USING MULTIPLE PAYMENT METHODS}

The present invention relates to a product purchase recommendation and payment system and method using multiple payment methods. More specifically, by registering multiple payment methods, we propose a combination of the multiple payment methods to obtain the most optimal benefits when purchasing products and services, and pay for products and services using the combination of the proposed payment methods. It relates to a payment system and method for purchasing goods using multiple payment methods using multiple payment methods.

In the case of conventional payment systems, various payment methods exist, but only one payment method can be used for payment. For example, even if there are two types of card payment benefits provided by an online shopping mall, such as a billing discount event for Card A and Card B, payment is generally made with one of Card A and Card B, so the online shopping mall and card company are affiliated. It is difficult to receive two types of benefits provided through . In order for a user to receive two types of benefits provided by the shopping mall at the same time, there was the inconvenience of having to properly split the payment amount after meeting the benefit conditions and paying the divided amount twice with Card A and Card B.

In addition, it is not easy for users to check whether they meet the requirements and requirements for receiving benefits such as discounts, savings, coupons, etc. provided for the payment method they own registered in the existing payment system. .

In addition, in the case of bearer corporate cards, there were no other payment methods except the traditional payment method of paying directly with the card to the card terminal, so there was the inconvenience of having to carry the physical card and make payments.

KR 10-1455154 B1 (2014.10.21.)

The present invention is intended to solve the above-mentioned problems, and is a payment system that allows users to make consumption activities more conveniently and efficiently by performing multiple payments in one payment action by combining various payment methods registered in the payment system. and methods are provided.

In addition, we seek to provide a payment system and method that enables planned consumption by allowing users to easily achieve the benefits and support requirements provided by the payment method they own.

In addition, it allows users to visually check the benefits provided to the registered payment method when requesting payment, and suggests a combination of payment methods for one payment method or multiple payment methods to find the most advantageous combination of payment methods for the user. We want to provide a payment system and method that you can choose from.

In addition, we intend to provide a payment system and method that reflects the user's payment preferences when suggesting a combination of payment methods by repeatedly learning the combination of payment methods set by the user.

In addition, we aim to provide a payment system and method that allows users to receive optimal benefits when paying using multiple payment methods by automatically applying discount coupons provided by payment method or by location of use at the time of payment.

In addition, when a user requests payment, a new payment method more suitable for the payment situation is proposed, providing a platform that enables various marketing activities of financial institutions, and through this, users can sign up for financial products that are more advantageous to the user and receive appropriate benefits. We want to provide a payment system and method that can be used.

In addition, when registering or using an anonymous corporate card as a payment method, we seek to provide a payment system and method that can facilitate the management of the anonymous corporate card by confirming in real time whether the corporate employee is employed through public authentication of the user.

In addition, we aim to provide a payment system and method that can support more economical consumption behavior not only for individuals but also for the entire family by requesting payment from the family for the items the family wishes to purchase through information registration between the user and the family.

The problems to be solved by the present invention are not limited to the above-described content, and other technical problems not mentioned will be clearly understood by those skilled in the art from the description below.

A payment system using a plurality of payment methods according to an embodiment of the present invention includes a payment method management unit that registers and manages one or more payment methods available to a user through a user input interface provided on a user device; a benefit information management department that obtains and manages information on the payment method and information on benefits provided through the payment method; a payment means combination unit that provides a combination of the payment means that can provide the benefit to the user when making a payment, based on the benefit information stored in the benefit information management unit; and a payment executing unit that pays the amount by allowing the user to select a combination of the payment means.

In addition, the benefit information management unit receives information about the payment method from one or more of a financial information server for the payment method, a tax information server that provides financial income and taxation information of the user, and a seller server that requests payment from the user. You can obtain one or more of information and information about the above benefits.

Additionally, the combination of payment methods may be set in advance by the user.

In addition, the user stores the payment item history, information on the payment method used when making the payment, and the benefit information provided through payment of the payment method during a predetermined period, and performs machine learning. , further comprising a payment pattern analysis unit that analyzes the user's payment pattern and payment method preference, and the payment method combination unit may provide a combination of the payment methods based on the analysis information of the payment pattern analysis unit.

In addition, the payment means includes a discount coupon that can be used when paying the price, and the payment means combination unit may provide a combination of the payment means and the discount coupon registered in the payment means management unit.

In addition, the payment means includes a bearer corporate card, and in order to use the bearer corporate card as the payment means, it may further include a corporate card verification unit that verifies whether the user is an employee of the corporation that issued the bearer corporate card. You can.

Additionally, the corporate card verification unit may verify whether the employee is employed by the corporation through a public institution using the user's public certificate.

In addition, the payment means combination unit may re-provide a combination of payment means excluding the rejected payment means when approval of some of the payment means among one or more payment means is rejected.

In addition, it further includes a non-retained payment means information unit that obtains information about non-retained payment means that are not registered with the payment means management unit and benefit information provided to the non-retained payment means, and the payment means combination unit is configured to allow the user to make the non-retained payment method. If you authorize the use of a means, you can provide any combination of the above payment means, including the non-reserved payment means.

In addition, the information about the payment method acquired by the benefit information management unit may include usage status information of the payment method, and may further include a purchase product recommendation unit that recommends a purchase product based on the usage status information.

Additionally, the usage status information may include one or more of monthly usage performance, monthly target performance, and payment history information for a plurality of billed amounts.

In addition, the payment system using the plurality of payment methods is capable of obtaining the user's location information through the user device, and the purchase product recommendation unit allows the user to use the information on the payment method and the location information. You can recommend products near your location.

A payment system in which a plurality of mutually pre-approved users uses a plurality of payment methods according to an embodiment of the present invention provides one or more payment methods available to each of the plurality of users through a user input interface provided on each user device. Payment instrument management department that registers and manages; a benefit information management department that obtains and manages information on the payment method and information on benefits provided through the payment method; a payment means combination unit that provides a combination of the payment means that can provide the benefit to the user when making a payment, based on the benefit information stored in the benefit information management unit; and a payment executing unit that pays the amount by selecting the combination of the payment means by the user, wherein the payment means management unit is configured to control the payment of the other user registered on the user device of a user other than the user among the plurality of users. By obtaining approval to use a payment method so that it can be used on the user's own device, registration and management is possible on the user's device, and the payment method combination unit is configured to control the payment method of the other user registered with the payment method management unit. When providing a combination of payment methods, including a payment method, approval for use may be requested from the other user device.

In addition, when combining the payment means, the payment means combination unit may provide a combination of the payment means by considering the benefits of all the payment means of the plurality of users registered with the payment means management unit.

A payment method using a plurality of payment methods according to an embodiment of the present invention includes the steps of registering and managing one or more payment methods available to a user through a user input interface provided on a user device; Obtaining and managing information about the payment method and information about benefits provided through the payment method; Based on the benefit information, providing a combination of the payment means that can provide the benefit to the user when making a payment; and paying the amount by the user selecting a combination of the payment means.

In addition, the user stores the history of payment items for a predetermined period of time, payment information about the payment method used to pay the payment, and the benefit information provided through payment using the payment method; And performing machine learning on the stored history, payment information, and benefit information to analyze the user's payment pattern and payment method preference, wherein the combination of payment methods is It can be provided based on analysis information.

Additionally, the payment means includes a discount coupon that can be used when paying the price, and the combination of the payment means may provide a combination of the registered payment means and the discount coupon.

In addition, the payment means includes a bearer corporate card, and in order to use the bearer corporate card as the payment means, the method may further include verifying whether the user is an employee of the corporation that issued the bearer corporate card. .

In addition, it further includes the step of obtaining information on an unowned payment method that is not registered with the payment method management unit and information on benefits provided to the non-retained payment method, wherein the combination of the payment method is performed when the user uses the non-retained payment method. If the use of the service is approved, it can be provided, including the above-mentioned non-retained payment methods.

A payment method using a plurality of payment methods by a plurality of mutually pre-approved users according to an embodiment of the present invention includes one or more payment methods available to each of the plurality of users through a user input interface provided on each user device. registering and managing; Obtaining and managing information about the payment method and information about benefits provided through the payment method; Based on the benefit information, providing a combination of the payment means that can provide the benefit to the user when making a payment; and paying the amount by selecting a combination of the payment means by one of the plurality of users, wherein the payment means includes the payment means registered by a user other than the plurality of users. And, if the combination of payment methods includes a payment method registered by the other user, approval for use may be requested from the other user's device.

A payment system and method using multiple payment methods according to an embodiment of the present invention is a combination of various payment methods registered in the payment system and performs multiple payments in one payment action, allowing users to consume more simply and efficiently. You can act.

In addition, the benefits and support requirements provided by the payment method held by the user can be easily reached, allowing the user to make planned consumption.

In addition, it allows the user to visually check the benefits provided to the registered payment method when requesting payment, and suggests a combination of payment methods for one payment method or multiple payment methods, allowing the user to select the most advantageous combination of payment methods. You can choose.

Additionally, the combination of payment methods set by the user can be repeatedly learned to reflect the user's payment preferences when suggesting a combination of payment methods.

In addition, discount coupons provided by payment method or by location are automatically applied at the time of payment, allowing users to receive optimal benefits when paying using multiple payment methods.

In addition, when a user requests payment, a new payment method more suitable for the payment situation is proposed, providing a platform that enables various marketing activities of financial institutions, and through this, users can sign up for financial products that are more advantageous to the user and receive appropriate benefits. can do.

In addition, when registering or using a bearer corporate card as a payment method, the user's public authentication is used to check in real time whether the bearer is employed by the corporate card issuer, preventing the possibility of misuse of the bearer corporate card and facilitating the management of the bearer corporate card. .

In addition, by registering information between the user and the family, the user can request payment from the family for the items the family wants to purchase, thereby supporting more economical consumption behavior not only for the individual but also for the entire family.

The effects of the present invention are not limited to the contents mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the description below.

1 is a block diagram of a payment system using a plurality of payment methods according to an embodiment of the present invention.
Figure 2 is a diagram briefly showing a payment system using a plurality of payment methods according to an embodiment of the present invention.
Figure 3 is a diagram illustrating a screen where a user sets a combination of payment methods in a payment system using multiple payment methods according to an embodiment of the present invention.
Figure 4 is a diagram illustrating a screen that outputs a plurality of payment means for a plurality of users that have been pre-approved among registered users according to an embodiment of the present invention.
Figure 5 is a flowchart showing the payment method pre-input step of a payment system using a plurality of payment methods according to an embodiment of the present invention.
Figure 6 is a flowchart showing the registration step of a bearer corporate card in a payment system using a plurality of payment methods according to an embodiment of the present invention.
Figure 7 is a flowchart showing the online payment step of a payment system using a plurality of payment methods according to an embodiment of the present invention.
Figure 8 is a flowchart showing the offline payment step of a payment system using a plurality of payment methods according to an embodiment of the present invention.
Figure 9 is a flowchart showing the post-management steps of a payment system using a plurality of payment methods according to an embodiment of the present invention.
Figure 10 is a flowchart of a payment method using a plurality of payment methods according to an embodiment of the present invention.
Figure 11 is a flowchart in which a machine learning step is added in a payment method using multiple payment methods according to an embodiment of the present invention.
Figure 12 is a flowchart in which an anonymous corporate card verification step is added in a payment method using multiple payment methods according to an embodiment of the present invention.
Figure 13 is a flowchart suggesting a combination of payment methods, including non-retained payment methods, in a payment method using a plurality of payment methods according to an embodiment of the present invention.
Figure 14 is a flowchart showing a payment method in which a plurality of mutually pre-approved users use a plurality of payment methods according to an embodiment of the present invention.

Below, with reference to the attached drawings, embodiments of the present invention are described in detail so that those skilled in the art can easily implement the present invention. However, the present invention may be implemented in many different forms and is not limited to the embodiments described herein. In addition, in order to clearly explain the embodiments of the present invention in the drawings, parts unrelated to the description have been omitted.

The terms used herein are merely used to describe specific embodiments and are not intended to limit the invention. Singular expressions may include plural expressions, unless the context clearly indicates otherwise.

In this specification, terms such as “include,” “have,” or “equipped with” are intended to designate the presence of features, numbers, steps, operations, components, parts, or combinations thereof described in the specification. It can be understood that it does not exclude in advance the existence or possibility of addition of other features, numbers, steps, operations, components, parts, or combinations thereof.

Additionally, the components appearing in the embodiments of the present invention are shown independently to show different characteristic functions, and this does not mean that each component is comprised of separate hardware or one software component. That is, for convenience of explanation, each component is listed and described as each component, and at least two of each component may be combined to form one component, or one component may be divided into a plurality of components to perform a function. Integrated embodiments and separate embodiments of each of these components are also included in the scope of the present invention as long as they do not deviate from the essence of the present invention.

Additionally, the following embodiments are provided to provide a clearer explanation to those with average knowledge in the art, and the shapes and sizes of elements in the drawings may be exaggerated for clearer explanation.

Hereinafter, preferred embodiments according to the present invention will be described with reference to the attached drawings.

Figure 1 is a block diagram of a payment system using a plurality of payment means according to an embodiment of the present invention, and Figure 2 is a diagram briefly showing a payment system using a plurality of payment means according to an embodiment of the present invention. Figure 3 is a diagram illustrating a screen where a user sets a combination of payment methods in a payment system using multiple payment methods according to an embodiment of the present invention.

Referring to Figures 1 and 2, in one embodiment of the present invention, the payment system 100 using a plurality of payment methods includes a payment method management unit 110, a benefit information management unit 120, and a payment method combination unit 130. ) and a payment execution unit 140. The payment system 100 using a plurality of payment methods may be a program or application running on the user device 200 or the payment support server 300 that transmits and receives data traffic to and from the user device 200.

Here, the user device 200 may be a terminal capable of receiving, processing, and displaying various data via the network 400 according to user input/output operations, for example, a smart phone or tablet. Computers, desktop computers, laptop computers, notebooks, workstations, PDAs (Personal Digital Assistants), portable computers, wireless phones, mobile phones, e - Among e-books, PMPs (Portable Multimedia Players), portable game consoles, navigation devices, black boxes, digital cameras, televisions, and wearable devices. It can be one, and is not limited to these.

The user device 200 may be connected to the payment support server 300 through the network 400. The payment support server 300 includes some components of the payment system 100 that uses a plurality of payment methods, processes performance requests from the user device 200, and sends related data to the user device 200 through the network 400. ), you can reply.

The network 400 may be a communication network that is a high-speed backbone network of a large communication network capable of high-capacity, long-distance voice and data services, and may be a next-generation wired or wireless network for providing the Internet or high-speed multimedia services. If the network 400 is a wireless communication network, it may include cellular communication or short-distance communication. For example, cellular communication includes 5G (5 Generation) NR (New Radio), LTE (Long-Term Evolution), LTE-A (LTE Advance), CDMA (Code Division Multiple Access), WCDMA (Wideband CDMA), and UMTS (Universal). It may include at least one of (Mobile Telecommunications System), WiBro (Wireless Broadband), or GSM (Global System for Mobile Communications). And short-range communication may include at least one of Wi-Fi (Wireless Fidelity), Bluetooth, or NFC (Nearfield Communication). However, it is not limited to this and it is desirable that wireless communication technologies developed in the future are also included.

Here, the payment method may be a payment method for payment. For example, it may be a credit card, debit card, check card, cash transfer, various pay services, an anonymous corporate card, or a discount coupon provided by the purchasing place.

Here, the price may refer to the price charged to the user for goods, goods, services, or services. For example, it may be product purchase amount, academy or school registration fee, tax, etc.

The payment method management unit 110 may register and manage one or more payment methods available to the user through a user input interface provided on the user device 200. The payment method management unit 110 may provide a user input interface to the user device 200 to allow the user to input and register a payment method held by the user. Additionally, the payment method management unit 110 may register the one or more payment methods entered through the user input interface and manage the one or more registered payment methods according to the user's input.

The benefit information management unit 120 may obtain and manage information on the payment method and information on benefits provided through the payment method. The benefit information management unit 120 may be connected to the external server 500 and the network 400 to obtain information on the one or more payment methods registered in the payment method management unit 110. Additionally, the benefit information management unit 120 can also obtain benefit information that can be provided through one or more payment methods registered from the external server 500.

Here, the external server 500 may be one of a financial information server for the payment method, a tax information server that provides financial income and tax information of the user, and a seller server that requests payment from the user. The external server 500 is not limited to this, and may be any server that transmits and receives information through the network 400 from outside the payment system 100 using multiple payment methods.

The benefit information obtained through the external server 500 may include accumulation and use of mileage or points, billing discounts, provided vouchers, payback, etc. when using the one or more payment methods. In addition, the benefit information is required to be added to the payment method for entry into the deductible income deduction amount or lower tax standard section when the user's income information is searched when entering the payment method in the payment method management unit 110. It may be the amount used. For example, the amount of a cash receipt issued through a credit card, check card, or cash payment may be reflected as a tax deduction element when calculating income tax, but due to the complexity of the calculation method and frequent law amendments, ordinary individuals subject to taxation do not receive the related benefits. Although it is difficult to actively utilize, if the payment system 100 using multiple payment methods provides a payment method that reflects this and maximizes related benefits, consumers will be able to engage in more rational economic activities. For example, by providing information on various new books, albums, and performances so that you can enjoy the tax deduction benefits for books and performance expenses added starting in 2018, we also calculate and provide the tax deduction amount you can receive when consuming them, thereby fulfilling the purpose of the tax law revision. At the same time, it is possible to suggest reasonable consumption patterns to users. The above is just an example, and preferably, tax information is received from an external server 500, that is, a tax information server, and deduction is made with minimal consumption. Information can be provided to suggest means to maximize the amount.

The information about the payment means acquired by the benefit information management unit 120 may include information on the usage status of one or more of the payment means. The usage status information may include one or more of monthly usage performance of the payment method, monthly target performance, and purchase history for a plurality of products.

The payment method combination unit 130 may provide a combination of the payment means that can provide the benefit to the user at the time of payment, based on the benefit information stored in the benefit information management unit 120.

The payment method combination unit 130 may combine one or more payment methods registered in the payment method management unit 110 to pay the billed amount. Here, the combination of payment methods may include not only a simple combination of the types of payment methods, but also a combination of the ratio of the payment amount for each payment method. For example, if A credit card, B check card, C credit card, and D account (transfer) are registered as payment methods in the payment method management department 110, the payment method combination department 130 may select a from A credit card. A combination of payment methods: amount b from credit card C, or amount c from check card B and amount d from credit card C, or amount e from credit card A and amount f from check card B and amount g from credit card C. You may propose to pay the above amount.

Here, the combination of the payment means derived by the payment means combination unit 130 takes into account the benefits of the payment means obtained by the benefit information management unit 120 and the benefits provided by the payment recipient, and the payment means management unit 110 Among the possible combinations of one or more payment methods registered in , the combination that can receive the most benefits from product payment may be selected. For example, if the above payment is due to the purchase of a product, and the amount is 100,000 won, the purchase place charges at least 30,000 won as the purchase amount to credit card A, and 10% from the payment amount of up to 20,000 won for discount event and check card B. Assume that a % payback event is in progress. In addition, assuming that the minimum performance amount to receive the service or benefit provided by C credit card is 30,000 won, the Payment Method Association Department (130) provides '30,000 won from A credit card, 20,000 won from B check card, A combination of 'transfer 30,000 won from credit card C and 10,000 won from account D' can be proposed. Here, the transfer from account D may be set to automatically issue a cash receipt.

Additionally, the ratio of the combination of payment methods proposed by the payment method combination unit 130 and the payment amount for each payment method may be set in advance by the user or set directly at the time of payment. Referring to FIG. 3, in one embodiment of the present invention, when a user makes a payment, a list of the one or more payment methods registered in the payment method management unit 110 may be output to the user device 200. At this time, the list of payment methods output may be a combination of the payment methods preset by the user. Since the current usage status of the payment method can be simultaneously displayed in the list of payment methods, the user can check the output list of payment methods and then select a combination of the payment methods to be used for payment or determine the payment amount by payment method. You can directly modify the ratio.

Additionally, the payment method combination unit 130 may consider a discount coupon provided by a payment recipient as a payment method and propose a combination of the payment method including the discount coupon. For example, if a purchasing store offers coupons such as ‘3,000 won discount for purchases of 50,000 won or more’ or ‘2,000 won discount for purchases of 30,000 won or more’, you can get ‘30,000 won from credit card A, 20,000 won from check card B, and 30,000 won from credit card C. , a combination of the above payment methods can be proposed, such as ‘transferring 10,000 won from account D, 3,000 won discount for purchases of 50,000 won or more’.

In addition, the user can check the benefits according to the preset combination of payment methods and request payment according to the preset combination of payment methods, or combine the payment methods in another method recommended by the payment method combination unit 130. You can check the benefits and request payment according to the recommended combination of payment methods.

Additionally, the payment method combination unit 130 may re-provide the combination of payment methods excluding the rejected payment method if approval is rejected during payment performance among the proposed combination of payment methods. For example, if credit card A is rejected for ‘30,000 won from credit card A and 20,000 won from check card B,’ you can re-offer ‘30,000 won from credit card C and 20,000 won from check card B.’ The above-mentioned combination is only a simple example, and preferably, the combination of the payment methods to be re-proposed can also be re-proposed in a combination that allows the user to receive maximum benefits.

The payment execution unit 140 may pay the amount by allowing the user to select a combination of payment methods. When the user selects a combination of the payment methods and enters a payment, the payment execution unit 140 can make a payment to the payment recipient with the payment amount allocated to each selected payment method according to the combination of the payment methods. . That is, when the user makes a single payment with the user device 200, the payment execution unit 140, which receives the payment input through the user device 200, can perform multiple payments according to the combination of the payment methods.

In one embodiment according to the present invention, the payment system 100 using a plurality of payment methods allows the user to record the payment item history during a predetermined period, payment information about the payment method used when making the payment, and information about the payment method. It may further include a payment pattern analysis unit 150 that stores the benefit information provided through payment, performs machine learning, and analyzes the user's payment pattern and payment method preference.

The payment pattern analysis unit 150 performs machine learning using data such as the user's history of payment items, payment information about the payment method used when paying the payment, and the benefit information provided through payment of the payment method, and performs payment processing. A pattern analysis model can be created. Using the generated payment pattern analysis model, the user's payment pattern and payment method preference can be predicted and derived. The derived payment pattern and payment method preference of the user may be used by the payment method combination unit 130 and reflected in the subsequent combination of payment methods. The payment pattern analysis unit 150 can also reflect the user's qualitative payment preferences by using machine learning to determine payment patterns that appear repeatedly. For example, it can reflect user preferences that are difficult for a third party to objectively judge, such as a preference for a credit card company with a long subscription period. In addition, in one embodiment, the payment pattern analysis unit 150, even when the purchase product recommendation unit 180 recommends products sold at stores around the user's location based on the user's location information, Using the machine learning, the user's purchase history by time period and location can be learned and reflected to recommend appropriate products.

The payment system 100 using a plurality of payment methods may further include a corporate card verification unit 160 that can verify that the user is an employee of the corporation when registering or using an anonymous corporate card as the payment method. When registering an anonymous corporate card as a payment method, the corporate card verification unit 160 can use the user's consent information to inquire about national health insurance eligibility based on public authentication information. At this time, the corporate card verification unit 160 may receive user consent through a public authentication request from the user. The corporate card verification unit 160 can verify whether the user is an employee of the corporate card issuing corporation by checking whether the corporate card issuing corporation matches the corporation where the user is employed in the National Health Insurance eligibility verification details inquiry. Additionally, the corporate card verification unit 160 can re-verify and execute payment in the same way when the user uses the registered anonymous corporate card. Through this, difficulties in managing bearer corporate cards can be resolved.

The payment system 100 using a plurality of payment methods has a non-retained payment method information section 170 that can obtain information about non-retained payment methods that are not registered in the payment method management department 110 and information on benefits provided to the non-retained payment methods. ) may further be included. Here, the unowned payment method may mean a payment method that the user does not use or has not applied for the service. For example, it may be a credit card or pay service for which you have not applied for the service. Similar to the benefit information management unit 120, the non-retained payment means information unit 170 is connected to the external server 500 and the network 400 to obtain information about the non-retained payment means and benefit information of the non-retained payment means. there is. When the non-retained payment means information unit 170 obtains information about the non-retained payment means and its benefit information, the payment means combination unit 130 includes the non-retained payment means in the combination of the payment means. I can suggest. For example, in the combination of the above-mentioned 'transfer 30,000 won from credit card A, 20,000 won from check card B, 30,000 won from credit card C, and 10,000 won from account D', from the credit card E that the user does not hold. The non-owned payment method information department 170 obtains information that a billing discount event is in progress with a purchase amount of at least 10,000 won, and based on the above information, the payment method association department 130 obtains '30,000 won from A credit card, B A combination of the above payment methods can be proposed, such as '20,000 won from check card, 30,000 won from C credit card, and 10,000 won from E credit card.' In this case, financial institutions can provide more targeted marketing to service users for new services, and users have the opportunity to use benefits and services that they were not aware of in advance, which can bring benefits to both financial institutions and users. . Additionally, financial institutions can expect further revitalization of financial services as new marketing channels will be created.

The payment system 100 using a plurality of payment methods may further include a purchase product recommendation unit 180 that can recommend products around the user's location based on information about the payment method and the user's location information. You can. Here, the user's location information is stored in the user device 200 in ways such as 'wireless network-based', 'beacon signal-based', 'satellite signal-based', Wi-Fi signal-based, 'video analysis', and 'mixed positioning'. It may be location information calculated, and the payment system 100 using a plurality of payment methods may use the location information calculated from the user device 200. The purchase product recommendation unit 180 may recommend products sold at stores around the user's location based on the user's location information. The recommended product may be a product that can receive a discount benefit from the store obtained by the benefit information management unit 120 or a benefit linked to the payment method.

Figure 4 is a diagram illustrating a screen that outputs a plurality of payment means for a plurality of users that have been pre-approved among registered users according to an embodiment of the present invention.

Referring to FIG. 4, in one embodiment of the present invention, the payment system 100 using the above-described plurality of payment methods registers and uses a plurality of payment methods not only for one user, but also for a plurality of users who have been pre-approved for each other. You can do it. Here, the plurality of mutually pre-approved users may be, for example, a family member or a user organization belonging to the same corporation and using a corporate card. In this case, the payment method management unit 110 may register and manage one or more payment methods of the other user among the plurality of users, registered by a user other than the user, and approved for use on the user's device. there is. The payment method combination unit 130 may provide a combination of payment methods, including payment methods of other users registered in the payment method management unit 110. At this time, the payment means combination unit 130 may request approval for use from the other user device. For example, member 4 in FIG. 4 may be a member who belongs to the same family as member 1, member 2, and member 3 and is approved to use another family member's card. Member 4 may not have a registered payment method. However, you can pay for the purchase of a product or use of a service using multiple payment methods registered by Member 1, Member 2, or Member 3. At this time, as described above, a combination of payment methods may be proposed, and member 4 can check the output benefit information and make payment using the proposed combination of payment methods, or edit the payment method himself. In this case, since the payment method that is actually used for payment is not the payment method registered by member 4, approval for use can be requested from the actually registered member, and when approval for use is returned, actual payment can be made. Here, approval for use is granted in advance within a certain amount limit, and member 4 can use it freely within the above amount limit.

Additionally, when combining the payment means, the payment means combination unit 130 may provide a combination of the payment means by considering the benefits of all the payment means of the plurality of users registered with the payment means management unit.

Figure 5 is a flowchart showing the payment method pre-input step of a payment system using a plurality of payment methods according to an embodiment of the present invention.

Referring to Figure 5, in one embodiment of the present invention, the payment system 100 using a plurality of payment methods can query the user's income information based on the user's public authentication information. For example, the payment system 100 using multiple payment methods can query or retrieve the user's income information reported through scraping using the user's public authentication information from an external server 500, such as a tax information server. (S301 ) Tax-saving benefits, such as credit card tax deductions, can be provided through income information inquiry. The payment method management unit 110 may register the user's payment method through the user device 200 and query performance requirement information for each payment method (S302). For example, the performance requirement information may be the minimum performance amount that must be paid in order to receive benefits provided by a credit card company. The performance requirement information or the minimum performance amount can be received through an API provided by the party issuing the payment method. The benefit information management unit 120 can check various benefit information for each payment method registered in the payment method management unit 110 through the external server 500 (S303). The payment method combination unit 130 may reflect the searched income information, derive an optimal combination of payment methods, and visualize the derived combination of payment methods so that the user can check and modify it (S304). The user can check and modify the derived combination of payment methods and the expected benefits accordingly, and the payment method combination department 130 can reflect the modified data in future payment situations.

Figure 6 is a flowchart showing the registration step of a bearer corporate card in a payment system using a plurality of payment methods according to an embodiment of the present invention.

Referring to Figure 6, in one embodiment of the present invention, when the user attempts to register an anonymous corporate card, the payment method management unit 110 requests the user's consent and verifies national health insurance eligibility based on public authentication information. You can view the contents (S401). The contents of the national health insurance eligibility confirmation can be checked by receiving approval by transmitting the user's public authentication information through the external server 500. The payment method management unit 110 can check whether the corporation that issued the corporate card matches the corporation where the user is employed by checking the national health insurance eligibility verification details (S402). Additionally, the payment method management unit 110 may request to register an alternative payment method or designate a pre-registered payment method in case the payment for use of the registered corporate card is rejected (S403). At this time, if the alternative payment method is not registered or designated, the payment method management unit 110 may refuse registration of the corporate card.

When a bearer corporate card is registered, the bearer corporate card is also a type of the payment means and can be included in the combination of the payment means by the payment means combination unit 130. However, if the bearer corporate card is included in the combination of the payment means, the payment execution unit 140 performs personal authentication again before actually performing the payment, and re-performs verification to confirm whether the user is employed. , Once verified, payment can be made.

Figure 7 is a flowchart showing the online payment step of a payment system using a plurality of payment methods according to an embodiment of the present invention.

Referring to FIG. 7, in one embodiment of the present invention, in the online payment step using a payment system using a plurality of payment methods, first, when a payment request occurs at the payment receiving server, the user device 200 makes a plurality of payments. The payment system 100 using the method can be called (S501). When the payment system 100 using multiple payment methods is called, the benefit information management unit 120 checks the information such as the industry or brand of the purchaser from the called payment recipient server and provides discount benefits for each payment method provided by the purchaser. It can be confirmed or acquired (S502). The payment method combination department 130 matches the benefits confirmed or obtained in the benefit information management department 120 with the registered payment method and outputs the discount benefit, discount amount, discount method, etc. provided at the time of payment (S503-1 ). Here, the discount method may be, for example, a billing discount, an immediate discount, a coupon discount, etc. The payment method combination unit 130 may suggest a combination of the payment methods to achieve performance matching the user's payment method combination preset by the user, such as at the beginning of the month when usage performance, etc. are initialized according to the user's payment cycle. In addition, if the user's preset combination of payment methods achieves usage results, the combination of payment methods may be suggested to obtain maximum benefits. Printed discount benefits, discount amounts, discount methods, etc. can all be printed for one or more payment methods.

At the same time, the payment method combination unit 130 may recommend to the user a combination of the payment methods that can receive the maximum benefit considered, including the non-owned payment methods (S503-2). The user can choose whether to make payment with a combination of payment methods that are registered, that is, in possession, or with a combination of payment methods, including payment methods that are not in possession. When the user makes a payment, the payment execution unit 140 may perform multiple payments using a combination of the selected payment methods (S504). At this time, the user inputs a payment request once, but the payment execution unit 140 can perform multiple payments according to the combination of the payment methods. Therefore, even if different payment methods are used simultaneously, the user is making a single payment, thus eliminating the inconvenience of making duplicate payments at the payment stage.

Figure 8 is a flowchart showing the offline payment step of a payment system using a plurality of payment methods according to an embodiment of the present invention.

*

* Referring to Figure 8, in one embodiment of the present invention, when the payment system 100 using a plurality of payment methods is called by the user from the user device 200, the user checks the amount used and enters it. You can do it (S601). Once the usage amount is entered, discount benefits for each payment method provided by the currently located store can be matched based on location information (S602). The discount benefits, discount amount, and discount method of the payment method registered according to matching can be printed so that the user can check (S603-1).

At the same time, the payment method combination unit 130 may recommend to the user a combination of the payment methods that can receive the maximum benefit considered, including the non-owned payment methods (S603-2). The user can choose whether to make payment with a combination of payment methods that are registered, that is, in possession, or with a combination of payment methods, including payment methods that are not in possession. When the user makes a payment, the payment execution unit 140 may perform multiple payments using a combination of the selected payment methods (S604). The user device 200 can be presented to the store for payment, and payment is supported according to the type of the user device 200 (NFC method, barcode method, credit card payment method with the device, etc.). You can pay.

Figure 9 is a flowchart showing the post-management steps of a payment system using a plurality of payment methods according to an embodiment of the present invention.

Referring to FIG. 9, in one embodiment of the present invention, the payment system 100 using a plurality of payment methods provides payment details or discount benefits provided in the payment cycle at the end of the user's payment cycle or upon the user's request. etc. can be output (S701). At this time, a comparative analysis screen of the consumption pattern of the pre-registered user and the consumption pattern at the relevant time can be output (S702). Here, the consumption pattern may include the type of product purchased, a combination of payment methods preferred or preset when purchasing a product, and the ratio of payment amount by payment method. The payment system 100 using a plurality of payment methods can output a screen that can be modified after the user checks the consumption pattern of the pre-registered user, that is, the order and ratio of use of the preset payment method (S703). The payment system 100 using multiple payment methods can output the expected discount benefit according to the user's modified consumption pattern so that the user can check it (S704). In addition, the payment system 100 using multiple payment methods can suggest the order of use of payment methods and the payment amount ratio for each payment method that can receive maximum benefits from the combination of registered payment methods (S705), and the user As suggested, the order of use of the payment methods and the payment amount ratio for each payment method can be modified or saved without modification so that they are reflected in actual payments at a later date (S706).

Post-management of the payment system 100 using multiple payment methods allows users to check and understand their payment patterns in each payment cycle or in real time and adjust them to suit their purposes (e.g., performance maintenance, benefit priority, etc.). You can do it. In addition, payment patterns for combinations of payment methods can be learned and suggestions tailored to the user's preferences can be made to ensure that the user does not miss out on any benefits they may receive.

Hereinafter, a method of purchasing a product according to an embodiment of the present invention will be described. Since the method of purchasing the above product is similar to a payment system using multiple payment methods, it will be briefly mentioned.

Figure 10 is a flowchart of a payment method using a plurality of payment methods according to an embodiment of the present invention.

Referring to FIG. 10, in one embodiment of the present invention, a payment method using a plurality of payment methods includes registering and managing one or more payment methods available to the user through a user input interface provided on the user device (S801). , Obtaining and managing information about the payment method and benefit information provided through the payment method (S802), based on the benefit information, the payment method capable of providing the benefit to the user when making payment. It may include a step of providing a combination of (S803), and a step of paying the amount by having the user select a combination of the payment means (S804).

Here, the payment means may include a discount coupon that can be used when making the payment, and the combination of the payment means may provide a combination of the registered payment means and the discount coupon.

Figure 11 is a flowchart in which a machine learning step is added in a payment method using multiple payment methods according to an embodiment of the present invention.

Referring to FIG. 11, in one embodiment of the present invention, the user records the payment item history during a predetermined period, payment information about the payment method used when paying the payment, and the benefit information provided by payment of the payment method. It further includes a step of storing (S905), performing machine learning using the saved history, payment information, and benefit information to analyze the user's payment pattern and payment method preference (S906). can do. The user's payment pattern and payment method preference through machine learning may be reflected in the step of providing a combination of the payment method as analysis information (S903).

Figure 12 is a flowchart in which an anonymous corporate card verification step is added in a payment method using multiple payment methods according to an embodiment of the present invention.

Referring to FIG. 12, in one embodiment of the present invention, the payment means may include a bearer corporate card, and in order to use the bearer corporate card as the payment means, the user issues the bearer corporate card. A step (S1002) of verifying whether a corporation is an employee may be further included. When the bearer corporate card is combined as part of the combination of payment means, when performing the payment, the bearer corporate card can be re-verified and payment can be performed (S1006). If approval for use of an anonymous corporate card is rejected, repayment can be encouraged by suggesting an alternative combination of the above payment methods.

Figure 13 is a flowchart suggesting a combination of payment methods, including non-retained payment methods, in a payment method using a plurality of payment methods according to an embodiment of the present invention.

Referring to FIG. 13, in one embodiment of the present invention, it may further include a step (S1103) of obtaining information on an unowned payment method that is not registered in the payment method management unit and benefit information provided to the non-retained payment method. You can. Additionally, the combination of the payment means may be issued and include the non-reserved payment means if the user approves the use of the non-reserved payment means.

Figure 14 is a flowchart showing a payment method in which a plurality of mutually pre-approved users use a plurality of payment methods according to an embodiment of the present invention.

Referring to FIG. 14, in one embodiment of the present invention, a payment method using a plurality of payment methods by a plurality of mutually pre-approved users is used by each of the plurality of users through a user input interface provided on each user device. Step of registering and managing one or more possible payment methods (S1201), obtaining and managing information about the payment method and benefit information provided through the payment method (S1202), making payment based on the benefit information A step of providing a combination of the payment means that can provide the benefit to the user (S1203), and a step of paying the amount by selecting a combination of the payment means by one of the plurality of users (S1204). It can be included. At this time, the payment means may include the payment means registered by a user other than the user among the plurality of users. Additionally, if the combination of payment methods includes a payment method registered by the other user, approval for use may be requested from the other user's device.

Various embodiments described herein may be implemented by hardware, middleware, microcode, software, and/or combinations thereof. For example, various embodiments may include one or more application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), and field programmable gate arrays (FPGAs). ), processors, controllers, microcontrollers, microprocessors, other electronic units designed to perform the functions presented herein, or a combination thereof.

Additionally, for example, various embodiments may be encoded or embodied in a computer-readable medium containing instructions. Instructions contained or encoded in a computer-readable medium may cause a programmable processor or other processor to perform a method, for example, when the instructions are executed. Computer-readable media includes both computer storage media and communication media including any medium that facilitates transfer of a computer program from one place to another. Storage media may be any available media that can be accessed by a computer. For example, such computer-readable media may include RAM, ROM, EEPROM, CD-ROM, or other optical disk storage media, magnetic disk storage media, or other magnetic storage devices, or any desired program code containing instructions or data accessible by a computer. It may include any other medium that can be used to transport or store structures in the form of structures.

Such hardware, software, firmware, etc. may be implemented within the same device or within individual devices to support the various operations and functions described herein. Additionally, components, units, modules, components, etc. described as “~” in the present invention may be implemented together or individually as separate but interoperable logic devices. The description of different features for modules, units, etc. is intended to highlight different functional embodiments and does not necessarily imply that they must be realized by separate hardware or software components. Rather, functionality associated with one or more modules or units may be performed by separate hardware or software components or may be integrated within common or separate hardware or software components.

Although operations are shown in the drawings in a particular order, it should not be understood that these operations are performed in the particular order shown, or in sequential order, or that all depicted operations need to be performed to achieve the desired results. . In some environments, multitasking and parallel processing can be advantageous. Moreover, the distinction of various components in the above-described embodiments should not be construed as requiring such a distinction in all embodiments, and the described components may generally be integrated together into a single software product or packaged into multiple software products. It must be understood that it can be done.

The present invention has been described with reference to the embodiments shown in the drawings, but these are merely illustrative, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. Therefore, the true scope of technical protection of the present invention should be determined by the technical spirit of the appended claims.

100: Payment system using multiple payment methods
110: Payment method management department 120: Benefit information management department
130: Payment method association department 140: Payment execution department
150: Payment pattern analysis unit 160: Corporate card verification unit
170: Non-owned payment method information section 180: Purchase product recommendation section
200: User device 300: Payment support server
400: Network 500: External Server

Claims (1)

In a method performed by a computing device,
Obtaining benefit information for each of a plurality of payment methods;
identifying at least some of the plurality of payment means as retained payment means; and
Including providing a payment combination for processing payment to the user's terminal,
The step of providing the payment combination to the user's terminal,
Determining a held payment method that provides benefits applicable to settlement of the payment amount as a first payment method, and determining a non-retained payment method that provides benefits applicable to settlement of the payment amount as a second payment method - the step of determining A non-retained payment method is a payment method other than the identified payment method, and is a card for which the user has not applied for the service or a pay service that provides a payment method other than the card -; and
Based on the first benefit information of the first payment means and the second benefit information of the second payment means, the first payment burden amount of the first payment means and the second payment burden amount of the second payment means are determined. Including the steps of:
How to pay for a product using multiple payment methods.