WO2023172104A1 - Système de paiement d'acompte en temps réel centré sur l'utilisateur - Google Patents

Système de paiement d'acompte en temps réel centré sur l'utilisateur Download PDF

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Publication number
WO2023172104A1
WO2023172104A1 PCT/KR2023/003313 KR2023003313W WO2023172104A1 WO 2023172104 A1 WO2023172104 A1 WO 2023172104A1 KR 2023003313 W KR2023003313 W KR 2023003313W WO 2023172104 A1 WO2023172104 A1 WO 2023172104A1
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WIPO (PCT)
Prior art keywords
affiliated store
information
payment
user
deposit
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PCT/KR2023/003313
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English (en)
Korean (ko)
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박경양
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주식회사 하렉스인포텍
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Priority claimed from KR1020230031702A external-priority patent/KR20230133240A/ko
Publication of WO2023172104A1 publication Critical patent/WO2023172104A1/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
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
    • G06Q20/08—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
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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

Definitions

  • the present invention relates to a user-centered real-time deposit and payment system, and more specifically, to a user-centered real-time deposit and payment system in which the amount paid by the user is deposited into the merchant owner's payment account in real time immediately upon payment.
  • the present invention was proposed to solve the above-mentioned problems, and is a user-centered real-time deposit payment system that allows users (members) to directly approve transactions and immediately make deposits in real-time to confirm accurate deposits for each case.
  • the purpose is to provide a system.
  • the present invention relates to a user-centered real-time deposit and payment system, and more specifically, to a user-centered real-time deposit and payment system in which the amount paid by the user is deposited into the merchant owner's payment account in real time immediately upon payment.
  • the user-centered real-time deposit and payment system receives affiliated store identification information and payment amount information from the affiliated store terminal, searches the affiliated store DB with the affiliated store identification information, obtains matching affiliated store information and affiliated store owner deposit information, and approves the transaction. It includes a gateway server that transmits the requesting user terminal and the transfer request for the transaction approval received from the user terminal to the financial institution server and requests real-time deposit processing to the merchant payment account registered in the transaction approval message.
  • the gateway server inputs the affiliated store application information, requests the financial institution server to authenticate the applied merchant payment account, and stores the affiliated store owner's deposit information in the database according to the authentication result.
  • the user terminal receives the payment-related information including transaction type information, transaction amount information, and affiliated store identification information.
  • the user terminal transmits the affiliated store identification information to the gateway server, and the gateway server uses the affiliated store identification information to check whether the affiliated store owner account is registered.
  • the gateway server transmits the affiliated store information including the affiliated store owner's deposit information to the user terminal, and when the affiliated store owner's registered account information is not retrieved, an error message indicating that the affiliated store is unavailable for service is sent. Transmitted to the user terminal.
  • the gateway server receives the approval result, issues an electronic receipt, and transmits the electronic receipt to the user terminal and affiliated store terminal.
  • the gateway server When the gateway server receives a payment cancellation inquiry request from the affiliated store terminal, it searches and returns the original transaction information, generates a transaction cancellation telegram, and requests payment of the cancellation fee.
  • a user receives transaction information (transaction amount, affiliated store identification information) from an affiliated store, and uses the affiliated store identification information to deposit deposit information (bank, account number, name) of the affiliated store previously registered on the gateway server. It is possible to receive the payment and connect it to a financial institution to make a direct payment. Once the payment is made, the financial institution can immediately deposit the remaining amount after deducting the financial fee into the merchant's bank account (Instant Payment).
  • the payment amount is deposited into the merchant owner's payment account to eliminate inconveniences related to depositing, and the payment deposit is designed to enable self-transaction, so depositing is possible without bank fees, and card This has the effect of preventing the risk of COVID-19 infection through contact by eliminating the need to exchange receipts.
  • UAI user-centric artificial intelligence
  • necessary benefits such as discount benefits provided by affiliated stores, financial institutions with high discount benefits, and advertiser-provided benefits, are automatically found and used for payment.
  • self-transactions can be made using business accounts at the issuing bank (hereinafter described as financial institution (I)) and the settlement bank (hereinafter described as financial institution (A)), thereby reducing fees due to transfers to other banks. There is an effect.
  • the original transaction cancellation function which is not supported in conventional remittance payments, is supported, and it is possible to process this as one transaction.
  • Figure 1 shows a payment approval processing work flow diagram of a user-centered real-time deposit and payment system according to an embodiment of the present invention.
  • Figure 2 shows a cancellation processing work flow diagram of a user-centered real-time deposit and payment system according to an embodiment of the present invention.
  • Figure 3 illustrates an affiliated store deposit information registration and authentication process according to an embodiment of the present invention.
  • Figures 4 and 5 show a real-time deposit payment transaction approval process according to an embodiment of the present invention.
  • Figures 6 and 7 illustrate a real-time deposit payment cancellation process according to an embodiment of the present invention.
  • Figure 8 is a block diagram showing a computer system for implementing a method according to an embodiment of the present invention.
  • Figure 1 shows a payment approval processing work flow diagram of a user-centered real-time deposit and payment system according to an embodiment of the present invention.
  • the affiliated store terminal 100 transmits the affiliated store identification information and transaction amount to the user terminal 200.
  • Ledger inquiry of affiliated store information is performed by communicating with the user terminal 200 and the gateway server 300, and 3) Direct user payment is performed using the user terminal 200.
  • Financial institution (I) (400i) is the issuing bank.
  • the financial institution (A) 400a which is the settlement bank, communicates with the gateway server 300 to perform real-time deposit and settlement procedures for affiliated stores.
  • the gateway server 300 notifies the processing result to the affiliated store terminal 100 and the user terminal 200.
  • Figure 2 shows a cancellation processing work flow diagram of a user-centered real-time deposit and payment system according to an embodiment of the present invention.
  • the user terminal 200 requests cancellation processing to 2) the affiliated store terminal 100.
  • the original transaction ledger inquiry is performed through communication between the affiliated store terminal 100 and the gateway server 300, and 3) a cancellation processing request is transmitted to the financial institution (A) 400a to withdraw the affiliated store owner's account.
  • User account deposit is performed according to the cancellation processing request, and 5) the processing result is transmitted to the user terminal 200 and the affiliated store terminal 100.
  • Figure 3 illustrates an affiliated store deposit information registration and authentication process according to an embodiment of the present invention.
  • the affiliated store terminal 100 receives application information (S301) and submits the application to the gateway server 300 (S302).
  • the gateway server 300 inputs application information (S303) and transmits a request for authentication of deposit information to the financial institution (A) 400a (S304). At this time, a confirmation request for real name information (date of birth, name) is sent using the account number and bank code as the key.
  • Financial institution (A) 400a performs deposit information conversion using the name, account number, date of birth, and phone number information included in the application information (S305) and notifies the authentication result to the gateway server 300 (S306 ).
  • the gateway server 300 which has received the authentication result, performs authentication confirmation, performs error processing if authentication is not completed, registers and stores application information in the DB when authentication is completed, and stores affiliated store information (affiliated store name, address, business operator). number, installment status, etc.), and the affiliated store owner's deposit information (bank code, bank name, account number, name, mobile phone number) is stored (S307).
  • the application information is registered (S307) and the application information is stored in the database (S308).
  • the basic information of the affiliated store and the deposit information of the affiliated store owner are stored.
  • the basic information of the affiliated store includes MID, address, company name, business registration number, phone number, etc.
  • the deposit information of the affiliated store owner includes the affiliated store owner's name, mobile phone number, bank code, bank name, and account number.
  • Figures 4 and 5 illustrate a real-time deposit payment transaction approval process according to an embodiment of the present invention.
  • the app is executed on the user terminal 200, and a real-time deposit payment transaction is selected (S401).
  • a customer selects the User-Centric AI (UCAI) recommendation function
  • the default account is not selected, but information on discount benefits provided by affiliated stores, information on financial institutions with high discount benefits, Considering the benefit information provided by the advertiser, etc., the account from which the transaction amount will be withdrawn from among the payment accounts owned by the user is automatically selected or recommended.
  • UCAI User-Centric AI
  • Transaction amount information and transaction type information are input to the affiliated store terminal 100 (S402).
  • the affiliated store terminal 100 transmits transaction type information, affiliated store identification information, and transaction amount information to the user terminal 200 (S403).
  • the user terminal 200 requests affiliated store information inquiry using affiliated store identification information (S404).
  • the gateway server 300 searches for affiliated store information using the information received from the user terminal 200 (S405). At this time, affiliated store information is extracted according to the self-directed transfer processing logic. Merchants register bank accounts to receive deposits in advance, and it is desirable that the user's transaction bank information be registered as much as possible. The previously registered merchant information is searched using the merchant identification information and the user payment account bank code as the key, and when a match is made, the merchant owner's deposit information (account number, name, bank code) is returned, and the match is made. If there is no match, open banking flow is performed. At this time, bank processing fees are free.
  • self-transactions can be made using business accounts at the issuing bank (financial institution (I)) and the settlement bank (financial institution (A)), which has the effect of reducing fees due to transfers to other banks.
  • the affiliated store owner When using another bank transfer processing method (open banking), the affiliated store owner registers only part of the transaction bank in advance (open banking account registration), and uses the affiliated store identification information and user payment account bank code as a key to search for information on already registered affiliated stores. In case of failure, the registered open banking deposit information (account number, name, bank code) is returned. In this case, a financial processing fee is charged.
  • the gateway server 300 transmits affiliated store information to the user terminal 200 (S406).
  • Merchant information includes the merchant deposit account, bank code, bankbook indication, merchant name, and franchise owner name.
  • the user terminal 200 confirms transaction approval information (amount, affiliated store name, etc.) (S407).
  • Merchant deposit information includes the merchant name, merchant name, account number, and bank code. According to an embodiment of the present invention, there is a technical feature of processing real-time deposit payments using an account number instead of an affiliated store number.
  • a transaction approval full text is generated (S409).
  • a transaction approval message is generated including affiliated store information, transaction information, withdrawal information, and encrypted PIN.
  • the user terminal 200 requests payment approval (S410), and the gateway server 300 requests payment approval from the financial institution 400 (S411).
  • Payment approval 1 [withdrawal] (S412) is performed, the member payment account PIN is confirmed, and the transaction amount is withdrawn from the member account.
  • Payment approval 2 [deposit] (S413) is performed, and the withdrawal amount is deposited into the business account.
  • the approval result is transmitted to the gateway server 300 (S414).
  • the user terminal 200 generates a settlement processing message (S415).
  • the settlement processing message is generated including affiliated store information, transaction information, settlement information, and encrypted PIN.
  • the financial institution 400 performs settlement processing 1 [withdrawal] (S418), and the settlement amount (C) is the transaction amount (A) - merchant fee (B), and the business account PIN Confirmation is performed and the settlement amount (C) is withdrawn from the business account.
  • the financial institution 400 performs settlement processing 2 [deposit] (S419) and deposits the settlement amount (C) into the affiliated store account.
  • the settlement result is transmitted to the gateway server 300 (S420), the gateway server 300 issues an electronic receipt (S421) and transmits it to the user terminal 200 (S422), and the affiliated store terminal 100 receives the payment result. Check (S423).
  • the present invention it is possible to integrate three transactions for approval, purchase, and settlement and process them as one transaction. According to the present invention, it is possible to report sales (report to the National Tax Service) of affiliated stores by adding business (affiliate) information, which has a differentiated effect from conventional remittance payments.
  • Figures 6 and 7 illustrate a real-time deposit payment cancellation process according to an embodiment of the present invention.
  • the affiliated store terminal 100 receives the cancellation transaction confirmation key (original approval number, sales date) (S602) and inquires about the payment cancellation to the gateway server 300. Request (S603).
  • the gateway server 300 searches for original transaction information (S604) and transmits transaction cancellation information to the affiliated store terminal 100 (S605).
  • the gateway server 300 extracts user financial information (account number, name, bank code) included in the original transaction information.
  • user financial information account number, name, bank code
  • the credit card will account for the account instead of the user's account.
  • the affiliated store terminal 100 checks the transaction cancellation information (S606) and enters the PIN (S607).
  • the affiliated store terminal 100 generates a transaction cancellation message (S608) and generates the transaction cancellation message including affiliated store information, transaction information, deposit information, withdrawal information, encrypted PIN, original approval number, etc.
  • the financial institution 400 performs payment cancellation 1 [withdrawal] (S611) to confirm the merchant payment PIN and withdraw the cancellation amount from the merchant account, and performs payment cancellation 2 [deposit] ] Perform (S612) to deposit the cancellation fee into the business account.
  • the payment cancellation withdrawal result is transmitted to the gateway server 300 (S613).
  • the gateway server 300 generates a transaction cancellation deposit message (S614) and transmits a payment cancellation deposit request to the financial institution 400 (S615).
  • the financial institution 400 performs payment cancellation 1 [withdrawal] (S616) to withdraw the cancellation transaction amount (A) from the business account, and performs payment cancellation 2 [deposit] (S617) to deposit the cancellation amount (A) into the member account. Make a deposit.
  • the payment cancellation deposit result is transmitted to the gateway server 300 (S618), and the cancellation result is transmitted to the user terminal 100 (S619).
  • the gateway server 300 issues a cancellation electronic receipt (S620), which is transmitted to the affiliated store terminal 100 and the user terminal 200 (S621, S622), and the user terminal 100 confirms the cancellation result (S623) ).
  • the original transaction cancellation function which is not supported in conventional remittance payments, is supported, and it is possible to process this as one transaction.
  • Figure 8 is a block diagram showing a computer system for implementing a method according to an embodiment of the present invention.
  • the computer system 1000 includes a processor 1010, a memory 1030, an input interface device 1050, an output interface device 1060, and a storage device 1040 that communicate through a bus 1070.
  • Computer system 1000 may also include a communication device 1020 coupled to a network.
  • the processor 1010 may be a central processing unit (CPU) or a semiconductor device that executes instructions stored in the memory 1030 or the storage device 1040.
  • Memory 1030 and storage device 1040 may include various types of volatile or non-volatile storage media.
  • memory may include read only memory (ROM) and random access memory (RAM).
  • the memory may be located inside or outside the processor, and the memory may be connected to the processor through various known means.
  • Memory is various forms of volatile or non-volatile storage media, for example, memory may include read-only memory (ROM) or random access memory (RAM).
  • embodiments of the present invention may be implemented as a computer-implemented method or as a non-transitory computer-readable medium storing computer-executable instructions.
  • computer readable instructions when executed by a processor, may perform a method according to at least one aspect of the present disclosure.
  • the communication device 1020 can transmit or receive wired signals or wireless signals.
  • the method according to an embodiment of the present invention may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer-readable medium.
  • the computer-readable medium may include program instructions, data files, data structures, etc., singly or in combination.
  • Program instructions recorded on the computer-readable medium may be specially designed and configured for embodiments of the present invention, or may be known and usable by those skilled in the art of computer software.
  • a computer-readable recording medium may include a hardware device configured to store and perform program instructions.
  • computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs and DVDs, and floptical disks. It may be the same magneto-optical media, ROM, RAM, flash memory, etc.
  • Program instructions may include not only machine language code such as that created by a compiler, but also high-level language code that can be executed by a computer through an interpreter, etc.
  • the gateway server 300 determines whether the balance information of account A-1 is greater than the payment amount and points/discount benefits of credit card B (e.g., when spending more than 300,000 won in one month) A payment method of 10,000 won is provided, taking the information into consideration, and recommending a payment method.
  • the gateway server 300 makes payment with credit card B.
  • prepayment is made using the A-1 account, which is the payment transfer account of the B credit card, providing merchants with an immediate payment deposit service, allowing users to achieve credit card performance, and managing the credit card company's risk through prepayment. Provides comprehensive financial services possible.
  • the balance information of the A-1 account does not remain more than the entire payment amount of the transaction to be paid, but if the entire payment amount is paid in 3-month interest-free credit card installments, the current balance of the A-1 account is 1. If there is more remaining than the monthly payment amount and it is confirmed that additional use is necessary to achieve the point/discount benefits of credit card B, the gateway server 300 makes payment in interest-free installments for 3 months with credit card B and uses credit card B.
  • the merchant By prepaying the first month's payment from the balance of the A-1 account, which is the card's payment transfer account, the merchant is provided with a deposit service for some of the payment immediately upon payment (immediate deposit of the first month's payment), and the user We provide comprehensive services that enable credit card performance to be achieved and credit card company risk management through prepayment.
  • the gateway server 300 withdraws from the A-1 account through self-directed transfer, It is possible to recommend the payment process to the user along with an explanation that it is advantageous to process cash receipts by depositing money into the A-2 account (or benefit information that can be provided through self-directed transfer).

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Abstract

La présente invention concerne un système de paiement d'acompte en temps réel centré sur l'utilisateur et, plus spécifiquement, un système de paiement d'acompte en temps réel centré sur l'utilisateur dans lequel un montant payé par un utilisateur est déposé sur le compte de paiement d'un propriétaire de magasin affilié en temps réel, immédiatement après le paiement. Le système de paiement d'acompte en temps réel centré sur l'utilisateur selon la présente invention comprend : un terminal d'utilisateur qui reçoit des informations d'identification de magasin affilié et des informations de montant de paiement à partir d'un terminal de magasin affilié, recherche dans une base de données (DB) de magasins affiliés les informations d'identification de magasin affilié, obtient des informations de magasin affilié et des informations d'acompte de propriétaire de magasin affilié correspondantes, et demande une approbation de transaction ; et un serveur de passerelle qui transmet, à un serveur d'institution financière, une demande de transfert pour l'approbation de transaction reçue à partir du terminal d'utilisateur, et demande un traitement d'acompte en temps réel sur un compte de paiement de magasin affilié enregistré dans un message d'approbation de transaction.
PCT/KR2023/003313 2022-03-10 2023-03-10 Système de paiement d'acompte en temps réel centré sur l'utilisateur WO2023172104A1 (fr)

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KR20220030074 2022-03-10
KR10-2022-0030074 2022-03-10
KR10-2023-0031702 2023-03-10
KR1020230031702A KR20230133240A (ko) 2022-03-10 2023-03-10 사용자 중심 실시간 입금 결제 시스템

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Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20090182633A1 (en) * 2008-01-11 2009-07-16 Lee Wang Seok Method and system for payer-centric payment using mobile terminal
KR20140055414A (ko) * 2012-10-31 2014-05-09 에스케이씨앤씨 주식회사 거래자들의 모바일 기기들을 이용한 모바일 결제 방법 및 시스템
KR20170013584A (ko) * 2015-07-28 2017-02-07 (주)뉴에프씨 스마트 터치페이 서비스 제공 시스템, 서버 및 방법
KR20170110466A (ko) * 2016-03-23 2017-10-11 네이버 주식회사 전자 결제 시스템, 장치 및 방법
KR20220011752A (ko) * 2018-06-11 2022-01-28 (주)후앤파트너스 신용카드 승인 금액을 가맹점에게 실시간으로 지급하는 시스템

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