WO2014175612A1 - Système de traitement de paiement complexe et son procédé - Google Patents

Système de traitement de paiement complexe et son procédé Download PDF

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Publication number
WO2014175612A1
WO2014175612A1 PCT/KR2014/003448 KR2014003448W WO2014175612A1 WO 2014175612 A1 WO2014175612 A1 WO 2014175612A1 KR 2014003448 W KR2014003448 W KR 2014003448W WO 2014175612 A1 WO2014175612 A1 WO 2014175612A1
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WO
WIPO (PCT)
Prior art keywords
payment
complex
information
payment processing
composite
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PCT/KR2014/003448
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English (en)
Korean (ko)
Inventor
박경양
정훈준
Original Assignee
주식회사 하렉스인포텍
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Application filed by 주식회사 하렉스인포텍 filed Critical 주식회사 하렉스인포텍
Publication of WO2014175612A1 publication Critical patent/WO2014175612A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards

Definitions

  • the present invention relates to a complex payment processing system and a method for enabling payment using one or more payment means, and specifically, a user communicates with a payment processing server or a complex payment processing server through a mobile terminal, etc.
  • the present invention relates to a complex payment processing system that enables payment.
  • the composite payment refers to a user making a payment by using a discount means (for example, using credit points, discount coupons, etc.) together with a payment method such as cash or a card, which is a basic payment method.
  • a discount means for example, using credit points, discount coupons, etc.
  • a payment method such as cash or a card, which is a basic payment method.
  • the user In the case of a multiple payment, the user actually pays the amount excluded from the amount to be paid. Therefore, the user must provide the user with information about the actual amount, and if there is more than one discount means or multiple discount means at the same time If it is not available, it is necessary to provide the user with the optimal complex payment information.
  • the composite payment processing server when a payment request including a composite payment request is received from a user, the composite payment processing server generates an optimal composite payment information based on the basic payment method provided by the user and generates the composite payment information. Provided to the user so that multiple payment processing can be performed.
  • the method of generating the composite payment information based on the payment means may occur when the information of the discount means available to the user is missing.
  • the user may change the contents of the composite payment information and check the payment amount according to the changed information, thereby performing the payment.
  • the problem can be solved to some extent.
  • the action of the user does not fundamentally solve the above-described problem, and in this case, the conventional complex payment processing system may change the complex payment information provided from the complex payment processing server and the user terminal may change information about the changed item. Since it transmits to the server and receives the complex payment information calculated by the server and provides it to the user, there is an inconvenience that the user has to wait for a certain time every time the information is changed.
  • an object of the present invention is to provide a complex payment processing system for generating an optimal complex payment information based on all payment means or all discount means available to a user when a complex payment request is made.
  • Still another object of the present invention is to provide a complex payment processing method and system capable of processing when overlapping discounts between discount means are not possible.
  • a smart offering generating unit for outputting the complex payment information having the smallest payment amount among the optimal complex payment information generated by the payment means; And it provides a complex payment processing system comprising a result providing unit for providing a composite payment information outputted by the smart offer ring generation unit.
  • the smart offering generating unit is included in a user terminal communicating with a complex payment processing server and performing a complex payment process, and upon receiving a change command for the complex payment information provided by the result provider, changes according to the change command. Output one complex payment information.
  • the smart offering generating unit divides the discount means that cannot be used at the same time among the discount means available to the user in the same group, extracts the discount means having the largest discount amount from each group, and based on the extracted discount means information. It generates the optimal composite payment information for each payment method.
  • the smart offering generating unit generates the composite payment information so that the payment amount is not less than the minimum amount that can be paid by each payment means, and the information on the reserves accumulated when making a payment according to the composite payment information is added to the composite payment information. And output.
  • Classifying discount means that cannot be used simultaneously among the discount means into the same group; And extracting a discount means having the largest discount in the same group, and generating an optimal complex payment information for each payment means based on the extracted discount means information. Provide a complex payment processing method.
  • the step of transmitting a payment request signal including a complex payment request signal to the payment processing server Receiving complex payment information in response to the complex payment request signal; Receiving a change command for the received complex payment information; Changing the composite payment information according to the change command, calculating and outputting a payment amount according to the changed composite payment information; And transmitting a payment approval request signal including a complex payment approval request signal for requesting a complex payment approval based on the complex payment information to the payment processing server.
  • the present invention can generate a composite payment information based on all payment means or all discount means available to a user who made a complex payment request to provide the user with the optimal complex payment information, and the user changes the complex payment information.
  • the present invention provides a complex payment processing system and method for providing changed information immediately.
  • 1 is a flow chart showing a complex payment processing process of the server-based complex payment processing system.
  • FIG. 2 is a flow chart showing a complex payment processing process of the complex payment processing system according to an embodiment of the present invention.
  • 3 and 4 are flowcharts illustrating a process of generating an optimal complex payment information by the complex payment processing system according to an embodiment of the present invention.
  • the user in providing the optimal complex payment information to the user, may generate the complex payment information or group all the discount means based on all available payment methods.
  • the composite payment information it is characterized in that to provide the user with the optimal composite payment information.
  • the present invention since the actual payment amount of the user may vary depending on the payment method and the discount method in making a payment, the present invention is calculated for all possible cases, and the best (optimum) payment amount, that is, the minimum payment amount is calculated and the information To the user. That is, the optimal complex payment information refers to information about payment means and discount means for calculating the minimum payment amount.
  • the processing of the complex payment information according to the change can be performed in the user terminal, thereby providing an environment in which the user can quickly change the information and process the payment.
  • FIG. 1 is a flowchart illustrating a process of performing a complex payment processing by a server-based complex payment processing system
  • FIG. 2 is a flowchart illustrating a process of performing a complex payment processing by a complex payment processing system according to an embodiment of the present invention.
  • the composite payment processing system generally includes a merchant terminal for making an initial payment request and a financial company server for approval of a card payment, but the present invention has a main feature in the user terminal and the composite payment processing server. The explanation will focus on the server and complex payment processing server.
  • the merchant terminal transmits a payment request signal to the payment processing server, and the payment processing server transmits a payment request response signal including transaction identification information in response to the payment request signal
  • the merchant terminal receiving the payment request response signal is a user terminal.
  • the transaction identification information is provided through a barcode or a QR code and the like, and the description is based on the premise that the user terminal receives the transaction identification information.
  • 1 shows a complex payment process of a server-based complex payment processing system.
  • the payment processing server 140 determines whether the complex payment request signal is included in the payment request signal. Check it.
  • the user requests a payment through one payment method such as a card, the user does not need to access the complex payment processing server. Therefore, the user accesses the financial institution server to perform the payment processing.
  • the payment processing server 140 transmits the complex payment request signal to the complex payment processing server 160 (S101).
  • the composite payment processing server 160 is a discount means (e.g., discount coupon, earn points, etc.) that can be used to make a payment with the payment means provided by the user based on the transaction identification information, personal information, etc. of the received complex payment request signal. Check the existence of the, and generates a composite payment information to make a payment using the payment means and the discount means at the same time (S102).
  • a discount means e.g., discount coupon, earn points, etc.
  • the composite payment processing server 160 transmits the generated composite payment information to the payment processing server 140 (S103), and the payment processing server 140 transmits the composite payment information to the user terminal 120 (S104).
  • the user terminal 120 may request the approval of the complex payment based on the received complex payment information, but if the user wants to change the complex payment information provided by the complex payment processing server 160, the user The composite payment information change command according to the input is transmitted to the payment processing server 140 (S105).
  • the payment processing server 140 receiving the composite payment information change command transmits the change command to the composite payment processing server 160 (S106), and the composite payment processing server 160 according to the received composite payment information change command.
  • the composite payment information is changed, and the amount of payment according to the changed composite payment information is calculated (S107).
  • the composite payment processing server 160 transmits the changed composite payment information to the payment processing server 140 (S108), and the payment processing server 140 transmits the changed composite payment information to the user terminal 120 (S109).
  • the user terminal 120 transmits a complex payment approval request signal to perform payment without changing the received complex payment information (S110), the complex payment according to the complex payment information is processed.
  • the complex payment information change command is passed through the payment processing server 140 to the complex payment processing server. Since it is necessary to receive the complex payment information processed by the complex payment processing server 160 after being delivered to 160, there is a inconvenience in that it takes a waiting time. In particular, since the user terminal 120 performs payment through wireless communication, there is a problem that the waiting time is longer when the communication environment is not good.
  • Figure 2 shows a complex payment processing process of the complex payment processing system according to an embodiment of the present invention.
  • the user terminal 220 transmits the payment request signal and receives the composite payment information generated by the composite payment processing server 260 through the payment processing server 240, the user It is possible to change the complex payment information directly from the terminal 220.
  • the user terminal 220 pays the composite payment information change command. It does not transmit to the processing server 240. Then, the composite payment information is changed through the module inside the user terminal 220 (S206), and the new composite payment information and the settlement amount according to the changed composite payment information are calculated and output.
  • the generation of the first composite payment information may also be performed in the user terminal 220.
  • the initial waiting time is shortened, but the information necessary for generating the complex payment information must be updated from time to time.
  • the present invention described above is to solve the problem of reception waiting when the user wants to change the complex payment information in the user terminal, and provides the optimal complex payment information when the first complex payment information is provided by the complex payment processing server. Failure to do so may be one of the reasons for the change in the complex payment information.
  • Figure 3 and Figure 4 is a composite payment processing system according to an embodiment of the present invention The process of generating optimal complex payment information is shown.
  • FIG. 3 is a flowchart illustrating a process in which the complex payment processing system generates an optimal complex payment information in consideration of all payment methods of a user.
  • the complex payment processing system When the complex payment processing system receives the complex payment request signal (S300), it checks the type of payment means available to the user who requested the complex payment (S310).
  • the payment method includes both cash and cards, but generally means a kind of card held by the user.
  • the complex payment may be performed by receiving only information on the discount means from the complex payment processing system and paying cash corresponding to the discounted amount according to the discount means.
  • the payment method generates a complex payment information based on the payment method information.
  • the conventional system generates an optimal compound payment information based on the payment method basically provided by the user. Even if you do not receive information about the payment method occurs.
  • the present embodiment is to solve such a problem, and checks all payment means owned by the user and generates the optimal composite payment information when each payment method is used (S330).
  • the complex payment processing system checks the card information registered by the user in advance and confirms the payment method possessed by the user, or accesses to a financial institution server or an affiliate server and uses the mobile phone number transmitted by the user as an identifier. Or check the information on the payment means, discount means that can be used. And through the process of confirming the application of the available discount means on the basis of each payment method to generate the optimal complex payment information for each payment method.
  • N payment means for example, a card
  • the user selects the complex payment information of the payment means having the smallest amount of payment actually provided to the user (S340).
  • the user may request a complex payment approval according to the received complex payment information, or may request an approval after changing the complex payment information (S350).
  • the user's convenience is increased because it provides the optimal complex payment information at the beginning.
  • the final payment amount to which the discount means is applied is the payment method.
  • the composite payment information may be generated so as not to be smaller than the minimum payment amount. For example, if the minimum payment amount of A card is 5,000 won but the payment amount is 10,000 won and the discount means is 5,000 won discount coupon and 8,000 won discount coupon, the composite payment information applying the 5,000 won discount coupon is provided.
  • FIG. 4 is a flowchart illustrating still another embodiment of the present invention, which shows a process of generating a composite payment information for solving a problem in which the composite payment processing server may omit information on a discount means when generating the composite payment information.
  • the complex payment processing system When the complex payment processing system receives the complex payment request signal (S400), it checks the information on all discount means available to the user based on transaction identification information, personal information, etc. included in the complex payment request signal (S410).
  • the grouping of the discount means classifies mutually exclusive discount means among the discount means into the same group.
  • the mutually exclusive discount means means discount means that cannot be used at the same time. This is because the discount means that can be used at the same time can be applied repeatedly, so that the discount means that cannot be used at the same time are classified into the same group and based on this, the complex payment information is generated.
  • the discount means having the largest discount among the discount means in the same group is extracted (S430), and based on the extracted discount means, the optimal complex payment information is generated (S440). Provided to the user (S450).
  • the discount means may be selected in association with the payment means information (for example, if the discount amount is the largest but cannot be used with other discount means at the time of A-card payment, the discount amount is extracted the second-largest discount means).
  • Discounted coupons cannot be used at the same time. Classify into groups.
  • the discount coupon group selects a 20% discount coupon with a high discount rate, selects 50,000 points as a discount means in the point group, calculates a final payment amount by applying the selected discount means, and presents it to the user.
  • the present invention provides the optimal composite payment information to the user requesting the composite payment, and provides the user with a quick and convenient composite payment information when there is a change request for the composite payment information.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

La présente invention porte sur un système de traitement de paiement complexe, qui permet un traitement de paiement utilisant simultanément un moyen de paiement tel qu'une carte de crédit et un moyen de réduction tel qu'un bon de réduction, et sur son procédé. Spécifiquement, la présente invention porte sur un système de traitement de paiement complexe dans lequel, si un paiement complexe est demandé par un utilisateur, le système génère et fournit des informations de paiement complexe optimales par contrôle d'un moyen de paiement ou d'un moyen de réduction, et si une modification des informations de paiement complexe est demandée, le système fournit promptement les informations de paiement complexe modifiées et des informations concernant un montant de paiement sans accéder à un serveur.
PCT/KR2014/003448 2013-04-22 2014-04-21 Système de traitement de paiement complexe et son procédé WO2014175612A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR20130044288 2013-04-22
KR10-2013-0044288 2013-04-22

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WO2014175612A1 true WO2014175612A1 (fr) 2014-10-30

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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20090055474A (ko) * 2007-11-28 2009-06-02 주식회사 하렉스인포텍 전화번호를 이용한 모바일 카드 결제시스템, 그를 이용한 모바일 결제 서비스 방법
KR20090063037A (ko) * 2007-12-13 2009-06-17 한국전자통신연구원 결제카드 추천 서비스 제공 방법
KR101184865B1 (ko) * 2011-07-20 2012-09-20 주식회사 하렉스인포텍 휴대용단말기를 이용한 복합결제시스템 및 복합결제방법
KR20120140463A (ko) * 2011-06-21 2012-12-31 에스케이플래닛 주식회사 근거리 통신 결제 방법과 그를 위한 시스템 및 장치

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20090055474A (ko) * 2007-11-28 2009-06-02 주식회사 하렉스인포텍 전화번호를 이용한 모바일 카드 결제시스템, 그를 이용한 모바일 결제 서비스 방법
KR20090063037A (ko) * 2007-12-13 2009-06-17 한국전자통신연구원 결제카드 추천 서비스 제공 방법
KR20120140463A (ko) * 2011-06-21 2012-12-31 에스케이플래닛 주식회사 근거리 통신 결제 방법과 그를 위한 시스템 및 장치
KR101184865B1 (ko) * 2011-07-20 2012-09-20 주식회사 하렉스인포텍 휴대용단말기를 이용한 복합결제시스템 및 복합결제방법

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