WO2018203660A1 - Système et procédé permettant de fournir un service de gestion de coût de maintenance de véhicule lié à un compte virtuel - Google Patents

Système et procédé permettant de fournir un service de gestion de coût de maintenance de véhicule lié à un compte virtuel Download PDF

Info

Publication number
WO2018203660A1
WO2018203660A1 PCT/KR2018/005092 KR2018005092W WO2018203660A1 WO 2018203660 A1 WO2018203660 A1 WO 2018203660A1 KR 2018005092 W KR2018005092 W KR 2018005092W WO 2018203660 A1 WO2018203660 A1 WO 2018203660A1
Authority
WO
WIPO (PCT)
Prior art keywords
terminal
affiliated
operator
payment
virtual account
Prior art date
Application number
PCT/KR2018/005092
Other languages
English (en)
Korean (ko)
Inventor
정길모
Original Assignee
주식회사클로버세븐
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 주식회사클로버세븐 filed Critical 주식회사클로버세븐
Publication of WO2018203660A1 publication Critical patent/WO2018203660A1/fr

Links

Images

Classifications

    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting
    • 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
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/40—Business processes related to the transportation industry

Definitions

  • the present invention relates to a method for providing a virtual account linked vehicle maintenance cost management service, and provides a method for providing a service for linking an automatic loan with a virtual account for a gas ticket service for a vehicle maintenance cost with a virtual account.
  • the step of granting the approval of the payment and transmitting the approved amount to the affiliated bank server to transmit the settlement request, And performing settlement to the affiliated merchant terminal.
  • any one of the problem solving means of the present invention described above by providing a virtual account for each collection purpose for each operator, and the amount of money deposited from the operator to make the settlement or the flow of funds transparent by processing the unpaid account in the affiliated bank, By setting beacons, unique codes attached to the vehicle, and operating conditions of the application to prevent illegal use, only the right user can use the card or application.
  • FIG. 2 is a diagram illustrating a payment agency service providing server illustrated in FIG. 1.
  • FIG. 5 is a flowchart illustrating a method for providing a virtual account linked vehicle maintenance management service according to an embodiment of the present invention.
  • mapping or matching with a terminal mean that a unique number of a terminal or identification information of an individual, which is identification data of the terminal, is mapped or matched. Can be interpreted as
  • the operator terminal 100 may be a terminal that accesses a web page, an app page, an application, or a program provided by the payment agent service providing server 300.
  • the operator terminal 100 may be a terminal that registers a business with the payment agent service providing server 300 and applies for a ticketing service for vehicle maintenance.
  • the operator terminal 100 for this purpose is issued a virtual account for each collection purpose to the partner bank server 400, whereby the application is activated by the beacon 600 when the operator arrives at the merchant for vehicle management It may be a terminal.
  • the operator terminal 100 may be a terminal that scans a unique code 800 (not shown) using an application for payment, identifies an affiliate store, and then performs payment.
  • the operator terminal 100 may be a terminal that executes an application only when the unique identification code 700 attached to the vehicle is scanned to prevent fraudulent use of the operator card.
  • the operator terminal 100 may be registered in plural, and may be a card using a payment means associated with a virtual account of the operator other than the operator, and a terminal of all payers using the application.
  • the payment agency service providing server 300 may be a server that directly or indirectly provides an app page, a web page, an application, a program, and the like, which provides a virtual account linked vehicle maintenance cost management service.
  • the payment agent service providing server 300 receives the information of the virtual account issued by the affiliated bank server 400 to the operator terminal 100 or the affiliated bank server 400, and the vehicle maintenance cost at the operator terminal 100.
  • the settlement to the affiliated store may be performed in real time or next day, and the server may request a payment to the affiliated bank server 400. In this case, an amount including a fee may be charged.
  • the payment agent service providing server 300 may be a server controlling the operator terminal 100 to wake up and activate using the beacon 600 in the affiliated merchant terminal 500.
  • the affiliated merchant terminal 500 may be a terminal capable of QR code payment.
  • the affiliated merchant terminal 500 may be a terminal that checks the vehicle and performs the payment.
  • the affiliated merchant terminal 500 may be associated with the beacon 600, may enable the application of the operator terminal 100 by the signal of the beacon 600.
  • the affiliated merchant terminal 500 may be a terminal that performs wireless communication so that payment is made at the price input from the affiliated merchant terminal 500 in the application of the operator terminal 100 scanning the unique code 800.
  • the affiliated merchant terminal 500 is, for example, a wireless communication device that ensures portability and mobility, and includes navigation, personal communication system (PCS), global system for mobile communications (GSM), personal digital cellular (PDC), and PHS ( Personal Handyphone System (PDA), Personal Digital Assistant (PDA), International Mobile Telecommunication (IMT) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wireless Broadband Internet (WBRO) terminals , Handheld-based wireless communication devices such as smartphones, smartpads, tablet PCs, and the like.
  • PCS personal communication system
  • GSM global system for mobile communications
  • PDC personal digital cellular
  • PHS Personal Handyphone System
  • PDA Personal Digital Assistant
  • IMT International Mobile Telecommunication
  • CDMA Code Division Multiple Access
  • W-CDMA W-Code Division Multiple Access
  • WBRO Wireless Broadband Internet
  • the storage unit 310 may store a virtual account assigned and issued by the at least one affiliated bank server 400 according to the purpose of collection of the operator with the operator terminal 100 which is the operator's terminal.
  • the second case when a user makes a payment using a card, there is no way to check whether the vehicle is a vehicle of an operator or a vehicle owned by the owner. In this case, it may be possible only when the affiliated merchant terminal 500 identifies the unique code 700 attached to the operator's vehicle. Through this, it is possible to prevent the case of misusing the corporate card or the card of the operator, and to check the correct settlement and the use place, the settlement process can be simplified.
  • the operator terminal 100 may perform a payment by reading a card wirelessly.
  • the operator terminal 100 receives the message that the payment is completed, and transmits to the other terminal of the operator linked with the operator terminal 100 to perform the settlement based on the history You can do it fast.
  • FIG. 4 is a diagram illustrating a process of transmitting and receiving data between components included in the virtual account linked vehicle maintenance cost management service providing system of FIG. 1 according to an embodiment of the present invention.
  • FIG. 4 an example of a process in which data is transmitted and received between each component will be described with reference to FIG. 4, but the present disclosure is not limited to the above-described embodiments, and is illustrated in FIG. 4 according to the various embodiments described above. It is apparent to those skilled in the art that the process of transmitting and receiving data may be changed.
  • the payment agent service providing server 300 the database of the information of the operator, bank, affiliated stores (S4500), when receiving the payment terms from the operator terminal (100) (S4600), the payment terms are mapped to the operators carriers Register with the information of (S4700).
  • the operator terminal 100 performs a user registration and vehicle registration (S4810), and issues a vehicle identification code to the operator terminal 100 (S4820).
  • beacon 600 transmits a signal and recognizes the vehicle identification code in the operator terminal 100 (S4840), activates the application (S4960), and recognizes the unique code of the affiliated merchant terminal 500 (S4870). Identify (S4880).
  • the operator terminal 100 and the affiliated merchant terminal 500 proceed with the payment (S4890), and when the affiliated merchant terminal 500 requests an approval from the payment agent service providing server 300 (S4900),
  • the payment agency service providing server 300 checks whether the predetermined condition is satisfied (S4910), and when the condition is satisfied, the payment agency service providing server 300 transmits the approval result to the affiliated merchant terminal 500. And (S4920), and transmits the message of the completion of payment to the operator terminal 100 (S4930), and settles to the affiliated merchant terminal 500 (S4940).
  • the settlement agent service providing server maps and stores a virtual account granted and issued for each collection purpose of an operator from at least one affiliated bank server with an operator terminal which is an operator's terminal (S5100).
  • the payment agent service providing server transmits the payment approved amount to the affiliated bank server, transmits the settlement request, and performs settlement to the affiliated merchant terminal (S5600).
  • the method for providing a virtual account linked vehicle maintenance management service may also be implemented in the form of a recording medium including instructions executable by a computer such as an application or a program module executed by a computer.
  • Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media.
  • Computer readable media may include all computer storage media.
  • Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.
  • the present invention can be applied to a method field for providing a service for linking an auto loan with a virtual account service for a vehicle maintenance expenses in conjunction with a virtual account.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Development Economics (AREA)
  • Human Resources & Organizations (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Tourism & Hospitality (AREA)
  • Technology Law (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Data Mining & Analysis (AREA)
  • Health & Medical Sciences (AREA)
  • General Health & Medical Sciences (AREA)
  • Primary Health Care (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un procédé permettant de fournir un service de gestion de coût de maintenance de véhicule lié à un compte virtuel, le procédé étant configuré : de sorte qu'un compte virtuel est attribué à chaque opérateur d'entreprise sur la base de son objectif de collecte d'argent ; de sorte que la quantité d'argent déposée par l'opérateur d'entreprise est traitée en tant que comptes payables au niveau d'une banque affiliée ; de sorte que le flux de règlement ou de fonds devient ainsi transparent ; de sorte qu'une balise, un code unique associé à un véhicule, et des conditions de fonctionnement pour une application sont configurés de façon à empêcher l'utilisation illégitime par un utilisateur ; et de sorte qu'ainsi seul un utilisateur légitime peut utiliser une carte ou l'application.
PCT/KR2018/005092 2017-05-02 2018-05-02 Système et procédé permettant de fournir un service de gestion de coût de maintenance de véhicule lié à un compte virtuel WO2018203660A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR1020170056455A KR20180122218A (ko) 2017-05-02 2017-05-02 가상계좌 연계 차량유지비 관리 서비스 제공 시스템 및 방법
KR10-2017-0056455 2017-05-02

Publications (1)

Publication Number Publication Date
WO2018203660A1 true WO2018203660A1 (fr) 2018-11-08

Family

ID=64016613

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2018/005092 WO2018203660A1 (fr) 2017-05-02 2018-05-02 Système et procédé permettant de fournir un service de gestion de coût de maintenance de véhicule lié à un compte virtuel

Country Status (2)

Country Link
KR (1) KR20180122218A (fr)
WO (1) WO2018203660A1 (fr)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2020207081A1 (fr) * 2019-04-10 2020-10-15 创新先进技术有限公司 Procédé et dispositif de vérification d'utilisateur basés sur un abonnement à paiement rapide par carte bancaire
US11004073B2 (en) 2019-04-10 2021-05-11 Advanced New Technologies Co., Ltd. Verification method and apparatus for user signing fast payment with bank card
US20220012728A1 (en) * 2018-11-21 2022-01-13 Daimler Ag Method for paying in a motor vehicle by means of a transaction on a cryptocurrency computer network

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102506396B1 (ko) * 2021-12-23 2023-03-06 주식회사 디원시스템 스마트 물류 및 ２４시 무인매장을 결합한 설비자재 판매 서비스 제공 시스템

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20080108932A (ko) * 2008-11-05 2008-12-16 주식회사 비즈모델라인 사용자별 법인카드 이용 시스템
KR20110129522A (ko) * 2010-05-26 2011-12-02 나병호 전기자동차 라이프사이클계좌를 운영하기 위한 복합금융시스템 과 방법
KR101653785B1 (ko) * 2015-09-18 2016-09-09 주식회사클로버세븐 법인 주유권 서비스 시스템 및 그 동작 방법
KR101660103B1 (ko) * 2014-04-22 2016-09-30 중소기업은행 주유소 서비스 제공 방법 및 장치
KR20160128673A (ko) * 2015-04-29 2016-11-08 인포뱅크 주식회사 주유비 결제 서비스를 제공하는 서버 장치, 시스템 및 방법

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20080108932A (ko) * 2008-11-05 2008-12-16 주식회사 비즈모델라인 사용자별 법인카드 이용 시스템
KR20110129522A (ko) * 2010-05-26 2011-12-02 나병호 전기자동차 라이프사이클계좌를 운영하기 위한 복합금융시스템 과 방법
KR101660103B1 (ko) * 2014-04-22 2016-09-30 중소기업은행 주유소 서비스 제공 방법 및 장치
KR20160128673A (ko) * 2015-04-29 2016-11-08 인포뱅크 주식회사 주유비 결제 서비스를 제공하는 서버 장치, 시스템 및 방법
KR101653785B1 (ko) * 2015-09-18 2016-09-09 주식회사클로버세븐 법인 주유권 서비스 시스템 및 그 동작 방법

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20220012728A1 (en) * 2018-11-21 2022-01-13 Daimler Ag Method for paying in a motor vehicle by means of a transaction on a cryptocurrency computer network
US11854006B2 (en) * 2018-11-21 2023-12-26 Mercedes-Benz Group AG Method for paying in a motor vehicle by means of a transaction on a cryptocurrency computer network
WO2020207081A1 (fr) * 2019-04-10 2020-10-15 创新先进技术有限公司 Procédé et dispositif de vérification d'utilisateur basés sur un abonnement à paiement rapide par carte bancaire
US11004073B2 (en) 2019-04-10 2021-05-11 Advanced New Technologies Co., Ltd. Verification method and apparatus for user signing fast payment with bank card

Also Published As

Publication number Publication date
KR20180122218A (ko) 2018-11-12

Similar Documents

Publication Publication Date Title
US11741536B2 (en) Method and system for redirecting a financial transaction
WO2018203660A1 (fr) Système et procédé permettant de fournir un service de gestion de coût de maintenance de véhicule lié à un compte virtuel
US7360691B2 (en) Secure device and mobile terminal which carry out data exchange between card applications
WO2014017762A1 (fr) Système et procédé utilisant un bouton unique destinés à une authentification/approbation intégrée de codes-barres hétérogènes
JP2018514032A (ja) 駐車場管理方法、駐車場管理サーバ及び駐車場管理システム
WO2015026126A1 (fr) Procédé et système de service de partage de carte mobile à sécurité améliorée
WO2012138071A2 (fr) Procédé de paiement de frais de stationnement
CN105122312A (zh) 利用通信装置的通行支付收取
JP2011209989A (ja) 課金システム
WO2013036037A2 (fr) Procédé et système de commercialisation de cartes au moyen des détails de dépenses d'un individu
WO2012091356A1 (fr) Procédé de règlement utilisant une carte de points et serveur de gestion de points
JP2007041673A (ja) 変換端末、変換システム、変換サーバ、変換方法およびプログラム
WO2014017742A1 (fr) Procédé de paiement de crédit d'une quantité d'usage d'argent électronique mobile prépayé par imputation préapprouvée à une carte de crédit
CN107220861A (zh) 一种搭建出租车行业电子发票服务平台的方法
WO2022245071A1 (fr) Système de billetterie mobile utilisant une cryptomonnaie
KR20080054320A (ko) 결제 카드를 이용한 대금결제 시스템 및 방법과 이에 사용되는 서비스 서버
WO2012115341A2 (fr) Système de paiement sécurisé utilisant un téléphone mobile et procédé de paiement l'utilisant
KR20130106331A (ko) 납부자 본인동의 인증을 통한 자동이체 부정출금 방지 시스템 및 방법
WO2018155891A1 (fr) Système de gestion intégrée d'historique de transactions financières et procédé de gestion de transactions financières l'utilisant
KR20090001763A (ko) 은행계좌를 이용한 유료도로 통행료 지불 서비스 방법
JP2012190082A (ja) 自動改札システム及び自動改札機
WO2017048074A1 (fr) Système et procédé de paiement simple de type ouvert
KR20130043646A (ko) 교통카드 시스템을 이용한 마일리지 충전 시스템
JP2005276061A (ja) 個人立替経費精算プログラム、システム、および方法
WO2023172104A1 (fr) Système de paiement d'acompte en temps réel centré sur l'utilisateur

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 18793759

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 18793759

Country of ref document: EP

Kind code of ref document: A1