KR101627015B1 - Apparatus for Joint Payment by Using Local Area Mobile Communication and Method thereof - Google Patents

Abstract

A cooperative settlement method using short-range wireless communication, the cooperative settlement method using short-range wireless communication includes a step of receiving an execution command of a co-payment application by a settlement progress terminal, The method comprising the steps of: detecting one or more payment-participating terminals located within a communication coverage and executing a co-payment application; calculating a payment amount per terminal based on a payment amount received by the payment processing terminal; Generating a request message and transmitting the generated partial payment request message to the payment-accepting terminal; and receiving, by the payment-accepting terminal, the partial payment request message, requesting the transfer server to transfer the partial payment amount according to the partial payment request message .

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a co-

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to a joint payment system and method using near field wireless communication, and more particularly, to a joint payment system for performing joint payment through account transfer between terminals participating in joint payment.

Dutch pie is the cost of each person, which is favored by office workers for lunch, dinner, and gathering. In this way, the person who walks in the Dutch book will have to calculate the total amount of the payment according to the number of people, take the money every day, have to prepare the change money, and inconvenience that the person has to have cash have.

2. Description of the Related Art [0002] In recent years, with the development of mobile communication and multimedia technology, portable terminals manufactured in a compact size for portability have become popular. In order to transfer transactions in the conventional portable terminal, the smartphone user manually records bank information and account number information of the other party in a paper or electronic memo, executes the existing banking application, and directly inputs the recorded information by hand There was a problem to be done. In addition, the conventional banking application has to repeatedly input various passwords, certificates, OTPs, and the like every time a transaction is made.

It is an object of the present invention to provide a joint payment system and method capable of conveniently performing a Dutch payment using an application installed in a portable terminal of users participating in a Dutch payment.

It is another object of the present invention to provide a joint payment system and method for enabling a terminal participating in a Dutch payment to use a transfer service only by confirming a message without inputting an account number.

According to a first aspect of the present invention, there is provided a cooperative settlement method using local area wireless communication according to the first aspect of the present invention includes the steps of: receiving a command for executing a cooperative settlement application by a settlement terminal; The method comprising the steps of: detecting one or more payment-participating terminals located within a coverage and executing a co-payment application; calculating a payment amount per terminal based on a payment amount received by the payment processing terminal; And transmitting the created partial payment request message to the payment-accepting terminal, the payment-participating terminal having received the partial payment request message transmits the partial payment request message to the transfer server according to the partial payment request message The method comprising the steps of: do.

According to a second aspect of the present invention, there is provided a cooperative settlement system using short-range wireless communication according to the present invention, comprising: a settlement progress terminal capable of short-range communication and executing co- A settlement participating terminal capable of short-distance communication with a settlement progress terminal, receiving a partial settlement request from the settlement progress terminal and transferring settlement amount per terminal, And a transfer server for transferring the settlement amount per terminal to an account corresponding to the settlement progress terminal, wherein the settlement terminal detects a settlement participant terminal located in the communication coverage of the local area network and executing the joint settlement application, Calculates a settlement amount per terminal, calculates a settlement amount per terminal The participation of detecting a message requesting the payment settlement part is characterized in that transmission to the terminal.

According to a third aspect of the present invention, there is provided a terminal device in which a joint billing application is installed, comprising: an application execution unit for controlling an operation of a joint billing application and performing a joint settlement through the application; A local communication unit for detecting another terminal executing the coin payment application, and a settlement amount input interface, calculates a settlement amount per detected terminal, generates a partial settlement request message including the calculated settlement amount, detects a generated partial settlement request message To the other terminal.

According to the present invention, it is possible to conveniently perform the Dutch Pager without calculating the per-user cost by using the application installed in the portable terminal of the users participating in the Dutch Pay.

According to the present invention, the user who participated in the Dutch payment can perform the transfer without directly inputting the account number, thereby improving the user's convenience.

According to the present invention, since the account number and the like among the terminals participating in the joint settlement are not exposed, the personal information is protected.

FIG. 1 is a diagram illustrating a schematic configuration of a joint payment system using short-distance wireless communication according to an embodiment of the present invention.
2 is a diagram illustrating a schematic configuration of a terminal using short-range wireless communication according to an embodiment of the present invention.
3 is a diagram illustrating a configuration of a control unit of a terminal according to an embodiment of the present invention.
4 is a diagram illustrating a schematic configuration of a transfer server according to an embodiment of the present invention.
FIG. 5 is a flowchart illustrating a joint payment method using short-distance wireless communication according to an embodiment of the present invention.
FIG. 6 is a flowchart illustrating a joint payment method of a payment processing terminal according to an exemplary embodiment of the present invention.
FIG. 7 is a flowchart illustrating a joint payment method of a payment participating terminal according to an embodiment of the present invention.
FIG. 8 is a flowchart illustrating transfer execution of a transfer server for joint settlement according to an embodiment of the present invention.
FIG. 9 is an example of a screen of a payment participating terminal and a payment progress terminal according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. The configuration of the present invention and the operation and effect thereof will be clearly understood through the following detailed description. Before describing the present invention in detail, the same components are denoted by the same reference symbols as possible even if they are displayed on different drawings. In the case where it is judged that the gist of the present invention may be blurred to a known configuration, do.

FIG. 1 is a diagram illustrating a schematic configuration of a joint payment system using short-distance wireless communication according to an embodiment of the present invention.

As shown in FIG. 1, a common settlement system using near field wireless communication according to an embodiment of the present invention includes a plurality of terminals 100, 101, and 102 and a transfer server 200.

In the terminals 100, 101 and 102, an application for joint settlement is installed in each terminal, and a joint settlement service can be used through an installed application. The joint settlement service is a service for establishing a communication link between a terminal participating in a joint settlement through a local area network, transmitting and receiving an identifier of the terminal through the communication link, receiving the identifier of the terminal, To perform a joint payment (Dutch payment) by requesting a transfer.

The terminal can be divided into a payment processing terminal 100 and payment participation terminals 101 and 102.

The settlement terminal 100 is a terminal for short-range communication and executing a joint settlement application to perform a joint settlement. The settlement terminal 100 detects a settlement participant terminal located in the communication coverage of the local area network and executing the joint settlement application, Calculates a settlement amount per terminal, and transmits a message requesting partial settlement of the settlement amount per terminal to the detected settlement participating terminal.

The payment participation terminals (101, 102) are terminals capable of short-distance communication with the payment progress terminal and executing a joint payment application to perform partial payment. The payment participation terminals (101, 102) Request a transfer to the transfer server.

The terminals 100, 101 and 102 may be smart phones, laptops, tablet PCs, computers, and the like. However, the terminals 100, 101, and 102 are not limited to the above embodiments and may be capable of transmitting and receiving data through a local area network It should be a device that can be installed and transmit / receive data through this application.

The transfer server 200 may be a component of a financial system, a component of a mobile communication system, or a separate component. However, the transfer server 200 must receive and store the identifier, the bank, and the account number of the terminal from the terminal after the application for co-payment is installed. In addition, the transfer server 200 may receive and store an application or a signature agreeing to use the joint settlement service from the terminal at the time of the initial operation. When the transfer server 200 receives the transfer request information using the identifier, the bank, and the account number of the terminal received from the terminal at the time of the initial transfer, the transfer server 200 can perform the account transfer or command transfer execution to the connected financial system.

2 is a diagram illustrating a schematic configuration of a terminal using short-range wireless communication according to an embodiment of the present invention.

2, the terminal 100 includes a communication interface unit 110, a short range communication unit 120, an input unit 130, a control unit 140, an application execution unit 150, a memory unit 160, (Not shown).

The communication interface unit 110 transmits / receives data to / from an external transfer server (200 in FIG. 1) through a communication network.

The short-range communication unit 120 detects another terminal that is executing a common payment application in a local communication network such as infrared communication or Bluetooth, and performs communication with the detected other terminal. In particular, the short-range communication unit 120 uses a local communication network And transmits or receives a message requesting partial settlement.

The input unit 130 generates an input signal according to a user's operation and transmits the input signal to the control unit 140. The input unit 130 receives a settlement amount or the like corresponding to an input interface provided by an application for joint payment.

The control unit 140 controls the operations of the terminal 100 in general and connects the application executing unit 150 and the other components 110, 120, 130, 150, 160, To perform necessary operations.

That is, when a joint settlement service is requested through the application execution unit 150, the control unit 140 provides a user menu to the display unit 170, receives the settlement amount through the input unit 130, And transmits the generated partial payment message to the terminal detected through the short-range communication unit 120. The partial payment message including the identifier of the terminal stored in the local communication unit 160 is generated.

More specifically, after establishing a communication link with one or more other terminals detected through the short-range communication unit, the control unit 140 provides the payment amount input interface for calculating a payment amount per terminal, The settlement amount is calculated by dividing the payment amount by the number of detected terminals. In some cases, the number of people participating in co-payment may be manually entered. The control unit 140 calculates a settlement amount per terminal, generates a partial settlement request message including the calculated settlement amount, and transmits the generated partial settlement request message to the detected other terminal.

If the partial settlement request message is received from the other terminal through the application for joint settlement, the control unit 140 requests the transfer server to transfer the partial payment to the external transfer server according to the partial settlement request message.

The application execution unit 150 controls the operation of the application for cooperative settlement. In particular, if a request for execution of an application is received from the user through the control unit 140, the partial payment request message including the identifier of the terminal stored in the memory unit 160 is generated and the generated partial payment request message is transmitted to the local communication unit 120 To another terminal. Or application execution unit 150 receives a partial payment request message from another terminal through the short range communication unit 120 after receiving an application execution request from the user through the control unit 140, And confirms the payment amount per terminal, and requests the transfer of the settlement amount per terminal to the account corresponding to the terminal that has transmitted the message.

As described above, the application executing unit 150 according to the embodiment of the present invention provides a service required for joint settlement through the joint payment application.

The memory unit 160 stores various information received from the communication interface unit 110, the short range communication unit 120, the input unit 130, the control unit 140 and the application execution unit 150, Can be stored and managed. In some cases, the certificate may be stored and the authentication procedure may be performed using the stored certificate when transferring the account.

The display unit 170 displays the cooperative settlement application being executed through the application execution unit 150 and displays the transfer result received from the transfer server.

3 is a diagram illustrating a configuration of a control unit of a terminal according to an embodiment of the present invention.

The terminal control unit 140 includes a terminal detection module 141, a communication link setting module 143, a message generation module 145, and a transfer request module 147.

The terminal detection module 141 detects one or more other terminals that are located within the communication coverage of the local area network and are executing the common payment application.

The communication link setting module 143 establishes a communication link between one or more other terminals detected by the terminal detection module 141.

The message generation module 145 provides the payment amount input interface to calculate the payment amount per terminal, calculates the payment amount per terminal by dividing the payment amount inputted through the input unit 130 by the number of detected terminals, (120 in FIG. 2) so as to transmit the generated partial payment request message to the other terminal through the communication link established by the communication link setting module 143.

The transfer request module 147 receives the message from the message generation module 145

4 is a diagram illustrating a schematic configuration of a transfer server according to an embodiment of the present invention.

4, the transfer server 200 includes a transmission / reception unit 210, a message transmission unit 230, an account inquiry unit 250, a transfer processing unit 270, and a database unit 290 have.

The transceiving unit 210 receives a message requesting partial settlement from the terminal that has been registered in advance. In the message requesting the partial settlement, the identifier of the payment participant terminal (transfer sender), the identifier of the payment progress terminal (transfer person), and the transfer amount (payment amount per terminal) are included.

The account inquiry unit 250 inquires the account number of the sender of remittance based on the identifier of the payment-accepting terminal included in the message requesting the partial payment received through the transceiver 210, From the database unit 290, the account number of the transfer receiver based on the identifier.

The transfer processing unit 270 transfers the transfer liquid from the account of each transfer sender searched by the account inquiry unit 250 to the account of the transfer receiver. In some cases, it is possible to request an account password or a certificate or the like at the time of transfer to the payment participating terminal (transfer sender) for authentication processing. In some cases, the account password may be stored with the account number at the time of initial registration. In this case, it is not necessary to receive the account password from the terminal every time the account password is transferred.

The message transmission unit 230 transmits the transfer result according to the transfer process by the transfer process unit 270 to the payment participating terminal and / or one or more payment progress terminals.

The database unit 290 stores various kinds of information received from the transmission / reception unit 210, the message transmission unit 230, the account inquiry unit 250 and the transfer processing unit 270, and in particular, associates the identifier of the terminal with the account number And manage the transfer result.

FIG. 5 is a flowchart illustrating a joint payment method using short-distance wireless communication according to an embodiment of the present invention.

First, in order to perform joint settlement using the short-range wireless communication of the terminal, the payment advancing terminal must receive an execution command of the joint settlement application and execute the joint settlement application (S510).

In operation S520, one or more payment-participating terminals located within the communication coverage of the settlement terminal and the local area network and executing the co-payment application are detected.

And establishes a communication link with the detected payment participation terminal (S530).

In step S540, the settlement amount input interface provided by the coin payment application is displayed, and when the settlement amount is inputted by the user operation, the number of persons included in the co-payment is determined by the user In step S540, the amount of settlement per user, that is, the amount of settlement per terminal, is calculated by dividing the number of terminals detected in step S530 by the number of persons included in the joint settlement and dividing the amount of settlement by the number of persons participating in joint settlement.

A partial settlement request message including the calculated settlement amount per terminal and the identifier of the terminal is generated and transmitted to the payment participant terminal detected in operation S530 in operation S550. Before the partial payment request message is transmitted, the payment progress terminal may display a guidance message for requesting partial payment on the screen 900 of the terminal as shown in FIG. 9 (a). At this time, The payment amount and the per person payment amount can be displayed and a partial payment request 910 button is provided so that the user can receive the message After selecting the partial payment request (910) button, the partial payment request message may be transmitted to the payment participating terminal.

Upon receiving the partial settlement request message, the payment participant terminal notifies reception of the partial settlement request message and displays the partial payment on the screen 950 as shown in FIG. 9B (S560). As illustrated in (b) of FIG. 9, "I received a partial settlement request from ***, the total payment amount is 45,000 won, the settlement number participated in joint payment is 3, and the per person payment is 15000 won" After displaying the announcement, a transfer execution button 960 is provided. When the user selects the transfer execution button 960, the next step is performed.

That is, the payment participating terminal requests the transfer server to transfer the partial payment amount (S570). When requesting the transfer, the identifier of the payment participant terminal, the identifier of the payment progress terminal, and the transfer amount are transmitted. In some cases, a transfer password may be sent along with it

Upon receipt of the request, the transfer server 200 transfers the transfer amount from the account of the payment participating terminal to the account of the payment progress terminal in accordance with the request, and transfers the transfer result of the transfer success or transfer failure to the payment participant terminal (S580).

FIG. 6 is a flowchart illustrating a joint payment method of a payment processing terminal according to an exemplary embodiment of the present invention.

An execution method in a terminal that performs joint settlement will be described with reference to FIG. First, in step S610, an execution command of a common settlement application installed in the terminal is inputted to execute a common settlement application.

After the coin payment application is executed, a terminal located in the communication coverage of the local area network and executing the coin payment application is detected (S620).

And establishes a communication link with the detected one or more payment-participant terminals (S630).

In step S640, the payment advancing terminal provides a payment input interface to receive the payment amount, and calculates the amount of payment per terminal by dividing the payment amount by the number of payment participating terminals including the detected payment amount.

A partial settlement request message for requesting partial settlement to the detected terminal is generated and transmitted through the communication link in operation S650. At this time, the partial settlement request message includes the identifier of the terminal and the settlement amount.

FIG. 7 is a flowchart illustrating a joint payment method of a payment participating terminal according to an embodiment of the present invention.

An execution method in a terminal participating in joint settlement will be described with reference to FIG. First, in order to participate in joint settlement, an execution command of a joint settlement application installed in the terminal is inputted and a joint settlement application is executed (S710).

After the cooperative settlement application is executed, a cooperative settlement terminal located in the communication coverage of the local area network and executing the cooperative settlement application is detected (S720).

And establishes a communication link with the payment progress terminal (S730).

The partial payment request message is received through the communication link (S740).

In response to the partial settlement request message, the transfer server is requested to transfer the partial settlement amount (S750). Generates a message requesting the payment transaction terminal identifier included in the partial payment request message as the transfer recipient, the settlement participant terminal identifier of the client as the transfer fund transfer agent, the payment amount per terminal included in the partial payment request message as the transfer amount, To request the transfer of the partial settlement amount.

FIG. 8 is a flowchart illustrating transfer execution of a transfer server for joint settlement according to an embodiment of the present invention.

When receiving the message requesting the transfer of the partial settlement amount, the transfer server inquires the account number corresponding to the settlement progress terminal ID and the settlement participation terminal identifier included in the transfer request message, respectively (S810 and S820) . The transfer money is transferred from the transfer money sender's account corresponding to the inquired payment participation terminal identifier to the account of the transfer receiver corresponding to the payment proceeding terminal identifier at step S830.

The transfer result is transmitted to the related terminal, that is, the payment participating terminal and the payment progress terminal (S840). The message may be delivered in the form of a push message, or in a text message such as SMS or MMS.

Meanwhile, in the present invention, a joint payment method using short-range wireless communication by a plurality of terminals may be implemented as a software program and recorded in a computer-readable recording medium.

A program for a cooperative settlement method using short-range wireless communication by a plurality of terminals includes a step of receiving an execution command of a cooperative settlement application, a step of detecting one or more settlement participating terminals located in a communication coverage of the local area network, Calculating a settlement amount per terminal based on the settlement amount received by the settlement progress terminal; generating a partial settlement request message including the calculated settlement amount per terminal and transmitting the generated partial settlement request message to the settlement terminal And a step in which the payment participating terminal, which has received the partial settlement request message, requests transfer of the partial payment to the transfer server according to the partial settlement request message, and a computer readable by the computer suitable for storing the data Recorded on a possible recording medium There.

Computer-readable media suitable for storing computer program instructions and data include semiconductor memory devices such as EPROM, EEPROM, and flash memory devices, such as magnetic disks such as internal hard disks or external disks, magneto-optical disks, and CD- ROM, and DVD-ROM disks, including non-volatile memory, media, and memory devices. The processor and memory may be supplemented by, or incorporated in, special purpose logic circuits.

The functional operations and implementations described in the present specification may be embodied in digital electronic circuitry, computer software, firmware, or hardware, or a combination of any of the foregoing. The implementations described in the present disclosure may be implemented as one or more computer program products, that is, one or more modules associated with computer program instructions encoded on a program storage medium of the type for control of, or for execution by, Lt; / RTI >

While the drawings of the present invention depict operational processes, it should be understood that such operations should be performed in the order shown, in order to obtain the desired results, or that all depicted operations should be performed. In certain cases, multitasking and parallel processing may be advantageous.

Further, specific embodiments have been described in the specification of the present invention. Embodiments are within the scope of the following claims. For example, the operations described in the claims may be performed in a different order, still achieving desirable results.

The foregoing description is merely illustrative of the present invention, and various modifications may be made by those skilled in the art without departing from the spirit of the present invention. Accordingly, the embodiments disclosed in the specification of the present invention are not intended to limit the present invention. The scope of the present invention should be construed according to the following claims, and all the techniques within the scope of equivalents should be construed as being included in the scope of the present invention.

100: terminal
110:
110:
130:
140:
150: Application execution unit
160:
170:
200: transfer server

Claims (11)

In a joint payment method using short-distance wireless communication,
Receiving a command for executing a joint payment application by a payment advancing terminal;
Detecting one or more payment-participant terminals located within the communication coverage of the local area network and executing a co-payment application;
When the payment advancing terminal receives the payment amount, calculating the payment amount per terminal by dividing the input payment amount by the number of the payment progress terminals detected without inputting the number of co-payment persons;
Transmitting the partial settlement request message including the calculated payment amount per terminal to the at least one settlement participating terminal detected by the settlement progress terminal;
Providing a user interface to the payment participant terminal that receives the partial payment request message to request partial payment of the payment amount per the terminal;
The payment participant terminal transmits to the transfer server a transfer request message for requesting the transfer of the payment amount per terminal without transferring the account number information through the transfer interface, A message in which the terminal identifier is the transfer recipient, the payment participant terminal identifier of the client is the transfer remitter, and the payment amount per terminal included in the partial payment request message is requested to be transferred to the transfer amount; And
The transfer server receives the transfer request message and inquires the identifier, the bank name, and the account number of the terminal, which are stored in advance, from the account of the transfer remitter corresponding to the payment participant terminal to the account of the transfer recipient corresponding to the payment progress terminal Performing the transfer of payment amount per terminal
The method comprising: delete delete The method as claimed in claim 1, wherein the payment participating terminal and the at least one payment progressing terminal each register an identifier of the terminal, a settlement bank name, and a settlement account in advance in the transfer server,
Further comprising the steps of: 5. The method of claim 4,
The transfer server inquiring the account number of the transfer sender based on the identifier of the payment progress terminal and the identifier of the payment participant terminal and inquiring the account number of the transfer receiver based on the identifier of the payment progress terminal ; And
The transfer server transfers the transfer amount from the account of the transfer sender to the account of the transfer receiver
Further comprising: A joint payment system using near field wireless communication,
A billing advancing terminal capable of short-range communication and executing a joint billing application to conduct joint billing;
A coin settlement application, a short-distance communication with the settlement progress terminal, receiving a partial settlement request message from the settlement progress terminal, and requesting partial settlement of settlement amount per terminal, A payment participation terminal for transferring a transfer request message requesting a partial payment without transferring the account number information, the transfer request message including a settlement progress terminal identifier included in the partial payment request message as a transfer recipient, And a request for a payment amount per terminal included in the partial settlement request message as a transfer amount;
A bank name and an account number of a terminal stored beforehand in the account of the transferee receiver corresponding to the payment advancing terminal corresponding to the payment advancing terminal corresponding to the payment participating terminal by receiving the transfer request message and inquiring the identifier, A transfer server for transferring the payment amount per terminal from the corresponding account to the account corresponding to the payment progress terminal
Lt; / RTI >
When the settlement terminal is located in the communication coverage of the local area network and the coin settlement application is executed, the settlement terminal receives the settlement amount, divides the inputted settlement amount by the number of detected settlement terminals, Calculates a per-payment amount, and transmits a partial settlement request message for requesting partial settlement, which is the calculated settlement amount per terminal, to the detected settlement participating terminal. 7. The method according to claim 6,
A database unit for storing and managing an identifier of the terminal in association with the account number;
A transmission / reception unit receiving a message requesting the partial settlement;
An account number of the transfer sender is inquired based on the identifier of the payment participant terminal included in the message requesting the partial settlement and an account number inquiring each account number of the transfer receiver based on the identifier of the payment progress terminal part;
A transfer processor for transferring the transfer liquid from the respective accounts of the searched transfer money sender to the account of the transfer receiver; And
A message transmission unit for transmitting the transfer result according to the transfer process to the payment participant terminal and one or more payment progress terminals,
The system comprising:
delete delete delete delete

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