KR102702076B1 - Method and system for intergrated management of easy payment - Google Patents

Abstract

According to an embodiment of the present invention, a method for integrated management of a simple payment method is provided, wherein an integrated management server comprises the steps of: (a) receiving a registration request for a specific payment method transmitted from a user terminal through a first pay server; (b) transmitting a request for validation of the specific payment method to a financial institution server and receiving a validation result from the financial institution server; (c) transmitting the result of the validation to the first pay server so that the specific payment method is registered in the first pay server; (d) receiving a registration request for the specific payment method from the user terminal through a second pay server; and (e) transmitting information on the specific payment method to the second pay server so that the specific payment method is registered in the second pay server.

Description

METHOD AND SYSTEM FOR INTERGRATED MANAGEMENT OF EASY PAYMENT

The present invention relates to a method and system for integrated management of simple payment means, and more specifically, to a method and system for enabling collective management and use of a plurality of simple payment means based on a common platform.

Due to the advancement of mobile communication technology and IT technology, users are increasingly using smart devices to make convenient and easy payments rather than carrying physical payment methods such as credit cards.

Following this trend, many simple payment services are currently being introduced.

The main function of simple payment services is to enable faster and more convenient payment on smart devices, and related companies are conducting research and development to provide a more convenient user interface.

For example, there are methods in which credit card information is registered on a smart device, and then a simple password is entered when making payment at a merchant, and the corresponding credit card information is transmitted from the smart device to the merchant terminal to make payment, and methods in which payment method information is registered on a server, and payment is completed by entering only a simple password at an online/offline merchant, and the corresponding payment approval information is notified to the merchant.

Various businesses, including credit card companies, online shopping malls, Internet platform service providers, mobile carriers, and mobile phone manufacturers, provide various forms of simple payment services, and it is common for users to use simple payment services from multiple companies.

However, in order to use the simple payment services of these many companies, you must register your membership and payment method for each application provided by each simple payment service provider, and you must also search for and cancel your registered payment methods individually using each service provider's application.

As a specific example, when a user issues a new credit card or opens an account and wants to use the simple payment services provided by various businesses, they have no choice but to go through the inconvenience of having to repeatedly perform payment method registration procedures in multiple individual applications.

For example, if you have 5 credit cards in your name and 2 main accounts for simple payment, you cannot register all payment methods (a total of 7) in the 3 simple payment applications you mainly use, but you have to register 7 payment methods individually in the 3 applications. If the type and number of payment methods registered in each application are different, simple payment method management is bound to become complicated, and there is also concern that the payment methods available for simple payment may be confused.

In addition, there is currently no service that allows for a batch search of payment methods registered with each simple payment service provider, so management and cancellation are performed inefficiently.

The present invention is intended to solve the problems of the prior art.

The purpose of the present invention is to enable a user to register a payment method for a specific easy payment service provider and to also collectively register a payment method for various other easy payment service providers.

The purpose of the present invention is to enable batch processing of inquiries regarding use of various business operators' simple payment services, registration of information, and cancellation of services.

The purpose of the present invention is to enable a bulk inquiry of balances for payment methods registered with multiple easy payment service providers, for example, prepaid charging accounts, and to provide a consumption analysis service by analyzing usage status, such as usage history by payer and payment method usage ratio, through an integrated management server.

The purposes of the present invention are not limited to those mentioned above, and other purposes not mentioned will be clearly understood from the description below.

According to one embodiment of the present invention for achieving the above-described object, a method for integrated management of a simple payment method is provided, wherein an integrated management server comprises the steps of: (a) receiving a registration request for a specific payment method transmitted from a user terminal through a first pay server; (b) transmitting a request for validation of the specific payment method to a financial institution server and receiving a validation result from the financial institution server; (c) transmitting the result of the validation to the first pay server so that the specific payment method is registered in the first pay server; (d) receiving a registration request for the specific payment method from the user terminal through a second pay server; and (e) transmitting information on the specific payment method to the second pay server so that the specific payment method is registered in the second pay server.

According to another embodiment of the present invention, a method for integrated management of a simple payment method is provided, wherein an integrated management server performs integrated management of a simple payment method, the method comprising: (a) receiving a registration request for a specific payment method and selection information for a plurality of payers to register the specific payment method from a user terminal; (b) transmitting a validation request for the specific payment method to a financial institution server and receiving a validation result from the financial institution server; and (c) transmitting the validation result and information for the specific payment method to a plurality of payer servers selected by the user, so that the specific payment method is registered on the plurality of payer servers.

The above method may further include, after step (a), a step of encrypting information of the specific payment method.

According to another embodiment of the present invention, an integrated management system for a simple payment method is provided, comprising: a first pay server which transmits a registration request for a specific payment method transmitted from a user terminal to an integrated management server; an integrated management server which transmits a request for validation of the specific payment method to a financial institution server, receives a result of validation from the financial institution server, and then transmits the result of validation to the first pay server so that the specific payment method is registered in the first pay server; and a second pay server which transmits a registration request for the specific payment method from the user terminal to the integrated management server, wherein the integrated management server transmits information on the specific payment method to the second pay server so that the specific payment method is registered in the second pay server.

According to another embodiment of the present invention, an integrated management system for a simple payment method is provided, comprising: an integrated management server which receives a registration request for a specific payment method and selection information for a plurality of payers from a user terminal, transmits a request for validation of the specific payment method to a financial institution server, receives a result of validation from the financial institution server, and then transmits the result of validation and information on the specific payment method to a plurality of payer servers selected by the user, so that the specific payment method is registered on the plurality of payer servers; and a plurality of payer servers which receive the result of validation and the information on the specific payment method and perform registration for a simple payment service for the specific payment method.

According to one embodiment of the present invention, a user can register payment methods for various other easy payment service providers at once by only registering a payment method for a specific easy payment service provider.

According to one embodiment of the present invention, it is possible to collectively process inquiries about the use of various business operators' simple payment services, information registration, and cancellation.

According to one embodiment of the present invention, it is possible to collectively check the balance of payment means registered with multiple easy payment service providers, for example, prepaid charging accounts, and through an integrated management server, it is possible to receive a consumption analysis service by analyzing the usage status, such as usage history by payer and the proportion of payment means used.

FIG. 1 is a drawing schematically showing the configuration of an integrated management system for a simple payment service according to one embodiment of the present invention.
FIG. 2 is a drawing for explaining an integrated registration process of a simple payment method according to one embodiment of the present invention.
FIG. 3 is a drawing for explaining an integrated registration process of a simple payment method according to another embodiment of the present invention.
FIG. 4 is a drawing showing an example of an interface provided by an integrated management server to a user terminal according to another embodiment of the present invention.

The detailed description of the invention set forth below refers to the accompanying drawings which illustrate, by way of example, specific embodiments in which the invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention. It should be understood that the various embodiments of the invention, while different from one another, are not necessarily mutually exclusive. For example, specific shapes, structures, and features described herein may be implemented in other embodiments without departing from the spirit and scope of the invention. It should also be understood that the positions or arrangements of individual components within each disclosed embodiment may be changed without departing from the spirit and scope of the invention. Accordingly, the detailed description set forth below is not to be taken in a limiting sense, and the scope of the invention is defined only by the appended claims, along with the full scope of equivalents to which such claims are entitled, if any. Like reference numerals in the drawings designate the same or similar functionality throughout the several aspects.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the attached drawings so that a person skilled in the art to which the present invention pertains can easily practice the present invention.

In this specification, “Paysa” shall be understood to mean a simple payment business operator that provides services for each user to register a payment method and simple authentication information (e.g., password), and provides services that enable payment to be completed using a linked payment method by simply entering the registered simple authentication information when making payments to online/offline merchants.

FIG. 1 is a drawing schematically showing the configuration of an integrated management system for a simple payment service according to one embodiment of the present invention.

Referring to FIG. 1, a system according to one embodiment may be configured to include a user terminal (100), a first pay server (200), a second pay server (300), an integrated management server (400), and a financial institution server (500).

The user terminal (100), the first pay server (200), the second pay server (300), the integrated management server (400), and the financial institution server (500) can communicate with each other through a communication network, for example, a mobile communication network, a local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN), a world wide web (WWW), and a wireless communication network (WiFi).

The user terminal (100) may be implemented in any form as long as it has a computational function and can communicate with the outside. For example, it may be implemented as a smart phone, tablet PC, desktop, laptop notebook, PDA, etc., but is not limited thereto.

The first Paysa server (200) and the second Paysa server (300) are servers operated by a business operator providing a simple payment service, and perform user authentication and user payment method registration. According to one embodiment, the simple payment service registration procedure for the second Paysa server (300) can be completed by simply registering a payment method for the first Paysa server (200). In other words, by simply registering a simple payment service for one business operator, simple payment service registration for multiple other business operators is completed, and batch management becomes possible.

When a request for registration of a simple payment service is made to the first Paysa server (200), the integrated management server (400) encrypts payment method information, performs validation, and transmits the payment method information to the second Paysa server (300).

The financial institution server (500) may be a server operated by the issuer of the credit card, which is the user's payment method, or the bank that opened the account.

FIG. 2 is a drawing for explaining an integrated registration process of a simple payment method according to one embodiment of the present invention.

Referring to FIG. 2, first, the user uses his/her user terminal (100) to connect to the first Paysa server (200) and transmit a request for identity verification and a request for payment method registration (①). The first Paysa server (200) is a server that provides a specific easy payment service, and the user can transmit the request for identity verification and the request for payment method registration through the first easy payment application provided by the first Paysa.

The first Paysa server (200) that receives the above request performs a mobile phone authentication or the first Paysa self-authentication procedure and transmits the payment method information requested for registration to the integrated management server (400) (②). The integrated management server (400) encrypts the corresponding payment method information (③) and requests the financial institution server (500) of the financial institution that issued the corresponding payment method to verify the validity of the encrypted payment method information (④). The financial institution server (500) transmits the result of the verification of validity information back to the integrated management server (400) (⑤), and the integrated management server (400) transmits information indicating that the payment method information has been verified for validity to the first Paysa server (200) (⑥). The first Paysa server (200) transmits information indicating that the registration of the corresponding payment method has been completed to the user terminal (100) (⑦).

The user can connect to the second Paysa server (300) through the user terminal (100) and send the same identity verification request and payment method registration request (⑧). In this process, the second simple payment application provided by the second Paysa can be used, and the user can request the second Paysa server (300) to retrieve payment method information already registered in the first Paysa server (100).

The second Paysa server (300) requests the integrated management server (400) for payment method information of the corresponding user registered in the first Paysa server (200) (⑨). In response to this request, the integrated management server (400) provides the payment method information already registered in the first Paysa server (200) to the second Paysa server (300) (⑩).

According to one embodiment, when a user requests registration of payment method information to a second Paysa server (300), the user may select to register the payment method registered to the first Paysa server (200) to the second Paysa server (300) by specifying the first Paysa server (200) through an interface provided by the second Paysa server (300), but may also transmit a registration request for only a specific payment method to the second Paysa server (300). In this case, when the integrated management server (400) receives a request for payment method information registered to another Paysa from the second Paysa server (300), the integrated management server (400) may select a specific Paysa server among the other Paysa servers where the payment method is registered, based on predetermined criteria.

For example, if a user has registered a specific payment method (payment method A) to multiple Paysa servers (Paysa servers a, b, c) and requests registration to another Paysa server, i.e., the second Paysa server (300), the integrated management server (400) may select a Paysa server from which to retrieve information on payment method A, considering the time elapsed since the time of registration of payment method A among Paysa servers a, b, and c, and the number of times and performance of using payment method A using the simple payment service provided by each Paysa server.

Specifically, for Paysa servers a, b, and c, the trust score (P) of payment method A is calculated.

This can be expressed mathematically as follows:

[Mathematical formula 1]

In the above mathematical formula, T is the time elapsed from the time of registering payment method A on each Paysa server, N is the number of times payment method A is used using the simple payment service provided by each Paysa server, M is the cumulative amount of payment method A used using the simple payment service provided by each Paysa server, and α and β are weights.

That is, when receiving a registration request for a specific payment method from the second pay server (300), among multiple pay servers in which the specific payment method is registered, the pay server with the highest reliability score, which is proportional to the time elapsed from the time when the specific payment method is registered and proportional to the number of times and the cumulative amount used for the specific payment method, may be selected to request information on the specific payment method from the selected pay server. The payment method information received according to this request may be transmitted to the second pay server (300).

The second Paysa server (300) transmits information to the user terminal (100) notifying that the payment method information already registered in the first Paysa server (200) has also been registered in the second Paysa server (300) (⑪).

After completing the integrated registration of payment methods, the user can access the integrated management server (400) via the user terminal (100) to check information about the payers for which he or she has registered payment methods, check the payment methods registered for each payer, and request cancellation of payment method registration for each payer.

That is, by connecting to the integrated management server (400), it is possible to collectively manage simple payment services provided by multiple payers.

FIG. 3 is a drawing for explaining an integrated registration process of a simple payment method according to another embodiment of the present invention.

Referring to Figure 3, first, the user uses his/her user terminal (100) to connect to the integrated management server (400) and transmits a request for user authentication and a request for integrated payment method registration (①).

The integrated management server (400) can perform customer authentication according to the above-mentioned authentication request through a website or a predetermined application, and provides an interface such as Fig. 4 to the user terminal (100), so that the user can directly input the type of payment method to be registered, input information on the payment method to be registered, and select a payer for which he/she wishes to register. In other words, the integrated management server (400) allows the user to select a desired payer among multiple payers so that the user can perform integrated registration of payment methods.

By providing the above interface, a user may input information about a payment method he or she wishes to register through the interface, for example, credit card information or account information, and select a payment method he or she wishes to register from among multiple payment methods, specifically, payment methods that have already entered into an agreement with the operator of the integrated management server (400), thereby providing registration information to the integrated management server (400) (②).

The integrated management server (400) encrypts the payment method information entered by the user (③) and requests the financial institution server (500) of the financial institution that issued the payment method to verify the validity of the encrypted payment method information (④). The financial institution server (500) transmits the result of the verification of the validity information back to the integrated management server (400) (⑤), and the integrated management server (400) transmits the information indicating that the payment method information has been verified for validity, a registration request for the payment method, and customer information required for registration of the payment method to the Paysa server operated and managed by the Paysa selected by the user in step ②, for example, the first Paysa server (200) and the second Paysa server (300) (⑥). In this process, the result of the verification of the payment method may be provided together.

After receiving the information, the first payer server (200) and the second payer server (300) complete the payment method registration for the customer and transmit information indicating that the payment method registration is complete to the integrated management server (400) (⑦), and the integrated management server (400) transmits information indicating that the payment method registration is complete for the payment company selected by the user to the user terminal (100) (⑧). After completing the payment method integration registration, the user can access the integrated management server (400) through the user terminal (100) to check information on the payers for which he or she has registered a payment method, check the payment method registered for each payer, and request cancellation of payment method registration for each payer.

That is, by connecting to the integrated management server (400), it is possible to collectively manage simple payment services provided by multiple payers.

According to one embodiment, a user can register a payment method for a specific easy payment service provider and then collectively register a payment method for various other easy payment service providers.

In addition, it will be possible to process in bulk inquiries about the use of various businesses' simple payment services, information registration, and cancellation.

Meanwhile, it will be possible to collectively check the balance of payment methods registered with multiple easy payment service providers, such as prepaid charging accounts, and through the integrated management server, it will be possible to receive consumption analysis services by analyzing usage status, such as usage history by payer and payment method usage ratio.

The above description of the present invention is for illustrative purposes, and those skilled in the art will understand that the present invention can be easily modified into other specific forms without changing the technical idea or essential characteristics of the present invention. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive. For example, each component described as a single component may be implemented in a distributed manner, and likewise, components described as distributed may be implemented in a combined manner.

The scope of the present invention is indicated by the claims described below, and all changes or modifications derived from the meaning and scope of the claims and their equivalent concepts should be interpreted as being included in the scope of the present invention.

100: User terminal
200: 1st Paysa Server
300: 2nd Paysa Server
400: Integrated Management Server
500: Financial company server

Claims (5)

The integrated management server is a method for integrated management of simple payment methods.
(a) a step of receiving a registration request for a specific payment method transmitted from a user terminal through a first pay server;
(b) a step of transmitting a request for validation of the specific payment method to a financial institution server and receiving a validation result from the financial institution server;
(c) a step of transmitting the result of the validation to the first payer server so that the specific payment method is registered in the first payer server;
(d) a step of receiving a registration request for the specific payment method from the user terminal through the second Paysa server; and
(e) a step of transmitting information about the specific payment method to the second Paysa server so that the specific payment method is registered in the second Paysa server;
Step (e) above,
A step of calculating a reliability score (P) of the specific payment method for multiple Paysa servers registered with the specific payment method using the following mathematical formula; and

A step of selecting a Paysa server with the highest reliability score (P), requesting information about the specific payment method from the selected Paysa server, and transmitting the information about the specific payment method received accordingly to the second Paysa server,
In the above mathematical formula, T is the time elapsed from the time of registering the specific payment method on each Paysa server, N is the number of times the specific payment method has been used using the simple payment service provided by each Paysa server, M is the cumulative amount of the specific payment method used using the simple payment service provided by each Paysa server, and α and β are weights. A method for integrated management of simple payment methods. delete In the first paragraph,
(a) After step,
An integrated management method for a simple payment method, further comprising a step of encrypting information of the specific payment method. A first Paysa server that transmits a registration request for a specific payment method transmitted from a user terminal to the integrated management server;
An integrated management server that transmits a request for validation of the specific payment method to a financial institution server, receives a validation result from the financial institution server, and then transmits the validation result to the first payer server so that the specific payment method is registered in the first payer server; and
Including a second Paysa server that transmits a registration request for the specific payment method from the user terminal to the integrated management server,
The above integrated management server transmits information about the specific payment method to the second Paysa server so that the specific payment method is registered in the second Paysa server.
The reliability score (P) of the specific payment method for the multiple Paysa servers registered with the specific payment method is calculated using the following mathematical formula, the Paysa server with the highest reliability score (P) is selected, information about the specific payment method is requested from the selected Paysa server, and the information about the specific payment method received is transmitted to the second Paysa server.

In the above mathematical formula, T is the time elapsed from the time of registering the specific payment method on each Paysa server, N is the number of times the specific payment method has been used using the simple payment service provided by each Paysa server, M is the cumulative amount of the specific payment method used using the simple payment service provided by each Paysa server, and α and β are weights. An integrated management system for simple payment methods. delete