KR20210139183A - Smart pay system based on prepayment of user and guarantee of financial company - Google Patents

Abstract

The present invention relates to a smart pay system based on prepayment of a user and guarantee of a financial company. The financial company guarantees the funds paid in advance by the user, and the loan amount allocated to an affiliated store is repaid when the user uses the stored funds, so that the reliability and usability for use of prepayment of the user are improved. As an example, the smart pay system comprises: a user application that requests a prepayment for deposit, and enables payment for actual use within an available amount obtained by adding up a prepayment amount set by the prepayment and a point amount paid according to the prepayment amount; a smart pay server that receives a request for the prepayment, sets the prepayment amount, remits the prepayment amount, recharges the available amount by paying a point amount according to the set prepayment amount, and notifies payment usage amount information when the payment through the user application smart pay server is used; and a financial server that receives the prepayment amount, provides a loan service to the affiliated store using the deposited prepayment amount as capital, and repays a portion of the loan amount from the affiliated store according to the payment usage amount information notified from the smart pay server.

Description

Smart pay system based on user's prepayment and financial company's guarantee

An embodiment of the present invention relates to a smart pay system based on a user's prepayment and a guarantee of a financial company.

In general, the simple payment service refers to a system that simply pays without going through complicated procedures using public certificates, etc., and is also called smart pay because it uses a smartphone as a terminal.

These simple payment services are convenient for payment and use, so their use is gradually increasing.

However, it is also used as a method in which prepayment is made using the simple payment service and the prepaid amount is charged and then deducted when necessary. Techniques for securing reliability must also be developed together.

Registered Patent Publication No. 10-1351545 (Registration Date: January 07, 2014) Laid-open Patent Publication No. 10-2008-0070784 (published date: July 31, 2008)

The embodiment of the present invention can improve the reliability and usability of the user's use of prepayment by guaranteeing the user's prepaid funds by the financial company and repaying the loan amount allocated to the affiliated store when the user uses the charged funds. It provides a smart pay system based on the user's prepayment and the guarantee of the financial company.

The smart pay system based on a user's prepayment and a guarantee by a financial company according to an embodiment of the present invention requests a prepayment for a deposit, and an available amount obtained by adding the prepayment amount set by the prepayment and the point amount paid according to the prepayment amount User applications that allow payment for actual use within; After receiving the request for the prepayment, setting the prepayment amount, remitting the prepayment amount, recharging the available amount by paying a point amount according to the set prepayment amount, and using payment information when using the payment through the user application smart pay server to notify; and a financial server that receives the prepayment amount, provides a loan service to a merchant using the deposited prepayment amount as capital, and repays a portion of the loan amount from the merchant according to the payment usage amount information notified from the smart pay server includes

In addition, it may further include an affiliated store application that receives a loan service from the financial server and repays a portion of the loan amount according to the affiliated store payment through the payment means of the user application.

In addition, the affiliated store application may include: a loan service application unit that receives a loan service by applying for a loan service to the financial server within the limit of the prepayment amount; a payment request unit for requesting payment by transmitting payment method information and payment usage amount information of the user application to the smart pay server; and a loan repayment unit repaying at least a portion of the loan amount according to the payment usage amount information.

In addition, the user application may include: a prepayment request unit that sets a deposit, and requests a prepayment by transferring the prepayment amount from the user's linked account to the smart pay server according to the set deposit; a payment method information setting unit for receiving and setting a user's payment method information, and registering the set payment method information in the smart pay server; a payment method information providing unit that transmits payment method information set through the payment method information setting unit to the affiliated store application at the time of payment at an affiliated store; a recommender registration unit for registering recommender information in the smart pay server; and an available balance information checking unit receiving, from the smart pay server, available balance information that has updated the available amount information according to the payment usage amount information.

In addition, the smart pay server may include: a payment method information registration unit for receiving and registering the payment method information from the user application; Receives a request for prepayment from the user application, receives the prepayment amount transferred from the user's linked account according to the requested prepayment, pays a point amount of a preset ratio according to the transferred prepayment amount, the prepayment amount and the point amount a prepayment processing unit that adds up to charge the available amount; a final prepayment amount remittance unit for deducting a fee of a preset ratio from the prepayment amount and remitting the final prepayment amount, which is the remaining amount excluding the fee, to the financial server; a recommender management unit for receiving and setting recommender information from the user application, and deducting a compensation amount of a preset ratio from the fee to pay the recommender; and when the payment method information and the payment usage amount information are received from the affiliate store application, the available amount information is updated by subtracting the corresponding payment usage amount from the available amount charged for the user corresponding to the received payment method information. and an available balance information management unit that provides the available balance information and transmits the payment usage amount information to the financial server.

In addition, the financial server may include: a payment amount management unit receiving the final prepayment amount from the smart pay server and receiving the payment usage amount information from the smart pay server; a loan service providing unit that receives an application for a loan service from the affiliated store application, and provides a loan service by paying a loan amount of a preset interest rate to the affiliated store based on the final prepayment amount; and a loan repayment processing unit for repaying a portion of the loan amount from the affiliated store application based on the payment usage amount information transmitted from the smart pay server in response to the payment request of the affiliated store application.

의 수식에 따라 에 따라 대출금액을 상환시키고, 상기 P_pre는 상기 최종 선결제금액이고, 상기 P_user는 상기 결제이용금액이고, 상기 P_available은 상기 가용금액일 수 있다.In addition, the loan repayment processing unit,

The loan amount may be repaid according to the formula of , wherein P _pre is the final prepayment amount, P _user is the payment usage amount, and P _available may be the available amount.

In addition, the available balance information management unit and the payment amount management unit, when the final prepayment amount is exhausted and the available balance remains, when payment is made through the user application, the remaining available balance is applied from the interest of the loan service can do.

According to the present invention, the financial company guarantees the funds prepaid by the user, and when the user uses the charged funds, the user can improve the reliability and usability of the user's prepayment by repaying the loan amount allocated to the affiliated store It is possible to provide a smart pay system based on prepayment of

1 is a schematic diagram showing the overall configuration and configuration relationship of a smart pay system based on a user's prepayment and a guarantee of a financial company according to an embodiment of the present invention.
2 is a block diagram showing the configuration of a user application according to an embodiment of the present invention.
3 is a block diagram showing the configuration of a smart pay server according to an embodiment of the present invention.
4 is a block diagram showing the configuration of a financial server according to an embodiment of the present invention.
5 is a block diagram showing the configuration of an affiliated store application according to an embodiment of the present invention.
6 is an exemplary diagram illustrating an operation method of a smart pay system based on a user's prepayment and a guarantee of a financial company according to an embodiment of the present invention.

Terms used in this specification will be briefly described, and the present invention will be described in detail.

The terms used in the present invention have been selected as currently widely used general terms as possible while considering the functions in the present invention, but these may vary depending on the intention or precedent of a person skilled in the art, the emergence of new technology, and the like. In addition, in a specific case, there is a term arbitrarily selected by the applicant, and in this case, the meaning will be described in detail in the description of the corresponding invention. Therefore, the term used in the present invention should be defined based on the meaning of the term and the overall content of the present invention, rather than the name of a simple term.

When a part "includes" a certain element throughout the specification, this means that other elements may be further included, rather than excluding other elements, unless otherwise stated. In addition, terms such as "...unit" and "module" described in the specification mean a unit that processes at least one function or operation, which may be implemented as hardware or software, or a combination of hardware and software. .

Hereinafter, with reference to the accompanying drawings, embodiments of the present invention will be described in detail so that those of ordinary skill in the art can easily carry out the embodiments of the present invention. However, the present invention may be embodied in many different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

1 is a schematic diagram showing the overall configuration and configuration relationship of a smart pay system based on a user's prepayment and a guarantee of a financial company according to an embodiment of the present invention, and FIG. 2 is a block showing the configuration of a user application according to an embodiment of the present invention 3 is a block diagram showing the configuration of a smart pay server according to an embodiment of the present invention, FIG. 4 is a block diagram showing the configuration of a financial server according to an embodiment of the present invention, and FIG. It is a block diagram showing the configuration of an affiliated store application according to an embodiment.

Referring to FIG. 1 , a smart pay system 1000 based on a user's prepayment and a guarantee of a financial company according to an embodiment of the present invention is a user application 100 , a smart pay server 200 , a financial server 300 and a merchant application. It may include at least one of (400).

The user application 100 may be configured to request a prepayment for deposit, and to enable payment for actual use within an available amount obtained by adding up the prepayment amount set by the prepayment and the point amount paid according to the prepayment amount. .

To this end, as shown in FIG. 2 , the user application 100 includes a prepayment request unit 110 , a payment method information setting unit 120 , a payment method information providing unit 130 , a recommender registration unit 140 , and available balance information. At least one of the confirmation units 150 may be included.

The prepayment request unit 110 may set a deposit and request prepayment by transferring the prepayment amount from the user's linked account to the smart pay server 200 according to the set deposit. Here, the prepayment may mean not an act of paying a specific amount through the purchase of a certain product or good, but a deposit in which an amount to be paid for purchasing any product or good in the future is paid in advance. After registering bank account or credit card information that can be paid in advance, the prepayment request unit 110 receives or inputs or selects the amount to be paid in advance through the linked account or credit card, and performs prepayment with the smart pay server 200 . Upon application, the input or selected amount may be transferred from the corresponding linked account or the payment amount of the corresponding credit card may be set.

The payment method information setting unit 120 may receive and set the user's payment method information (cash, card, etc.) and register the set payment method information in the smart pay server 200 . Here, the payment method may be the same as the prepayment method, but is not necessarily the same, and may include all known payment methods.

The payment method information providing unit 130 may transmit payment method information set through the payment method information setting unit 120 to the affiliated store application 400 at the time of payment to the affiliated store. In this case, when you want to use the amount prepaid after the prepayment to actually purchase the product or goods, the user's payment method information (that is, set through the payment method information setting unit 120) at the affiliate store that sells the product or goods payment method information) may be transmitted through a card reader or an RF reader.

The recommender registration unit 140 may input the recommender information and register it in the smart pay server 200 . Here, the recommender information means ID information or account number of another user recommended by the system 1000 , and may be registered when the user first requests a prepayment.

The available balance information check unit 150 may receive the available balance information updated according to the payment usage amount information from the smart pay server 200 . As will be described later, after the prepayment, the available amount is set by adding the prepayment amount and the point amount, and when the user makes a payment at the affiliated store, the amount is deducted from the available amount by the amount used for payment. It may mean the remaining available balance each time it becomes available, and this information is updated every time the user makes a payment at the affiliated store, so you can check the usable balance information.

The smart pay server 200 receives a request for prepayment from the user application 100, sets the prepayment amount, and then remits the prepayment amount to the financial server 300, and pays a point amount according to the set prepayment amount to increase the available amount. When charging and using payment through the user application 100, payment information may be notified.

To this end, as shown in FIG. 3, the smart pay server 200 includes a payment method information registration unit 210, a prepayment processing unit 220, a prepayment amount remittance unit 230, a recommender management unit 240, and an available balance information management unit ( 250) may include at least one of.

The payment method information registration unit 210 may receive payment method information from the user application 100 and register it. Here, as described above, the payment method information refers to a card number or linked account number that can be used at a merchant that sells the product or product when the amount prepaid after the prepayment is used to actually purchase the product or goods. can mean information.

The prepayment processing unit 220 receives a request for a prepayment from the user application 1000, receives a prepayment amount transferred from the user's linked account according to the requested prepayment, and pays a point amount of a preset ratio according to the transferred prepayment amount, , the available amount can be recharged by adding up the prepayment amount and the point amount. For example, if a user requests an advance payment of 1 million won, the user receives 1 million won (prepayment amount) from the user's linked account (or credit card) and pays 10% of the 1 million won as points, a total of 1.1 million won is available An amount may be charged.

The prepayment amount remittance unit 230 may deduct a fee of a preset ratio from the prepayment amount, and transfer the final prepayment amount, excluding the fee, to the financial server 300 . For example, if the prepayment amount is 1 million won, 970,000 won after deducting a 3% fee (30,000 won) may be remitted to the financial server 300 as the final prepayment amount.

The recommender management unit 240 may receive and set recommender information from the user application 100, deduct a compensation amount of a preset ratio from the fee, and pay the recommender information. For example, if the prepayment amount is 1 million won, a fee of 30,000 won corresponding to 3% may be generated, and 0.1% of the 30,000 won, 300 won, may be remitted to a previously registered recommender account as the recommender's compensation amount.

When the available balance information management unit 250 receives payment method information and payment usage amount information from the affiliate store application 400, the available amount (or available balance) currently charged for the user corresponding to the received payment method information. The available balance information updated by deducting the corresponding payment usage amount may be provided, and the payment usage amount information may be transmitted to the financial server 300 . For example, when the user pays 100,000 won at an affiliated store, the affiliated store application 400 transmits the corresponding payment method information and payment usage amount information of 100,000 won to the smart pay server 200, and the smart pay server 200 After checking the user who matches the received payment method information, checks the information on the confirmed user's available amount or current available balance, and if the available amount or available balance is 1.1 million won, The deducted 100 may be updated as the available balance information, and the user application 100 may be informed of how much the user has spent, that is, the payment usage amount information (100,000 won) may be notified to the financial server 300 .

The financial server 300 receives a prepayment amount from the smart pay server 200 , provides a loan service to the affiliated store using the deposited prepayment amount as a capital, and payment usage amount information notified from the smart pay server 200 . Accordingly, a portion of the loan amount may be repaid from the affiliated store.

To this end, the financial server 300 may include at least one of a payment amount management unit 310 , a loan service provider 320 , and a loan repayment processing unit 330 as shown in FIG. 4 .

The payment amount management unit 310 may receive the final prepayment amount from the smart pay server 200 , and receive payment information from the smart pay server 200 . Here, the final prepayment amount is the remaining amount excluding the fee from the amount deposited by the user as a request for prepayment. can be In addition, whenever the user makes a payment at the affiliated store, the smart pay server 200 notifies the payment usage amount information to the financial server 300 so that the payment amount management unit 310 can check how much money the user has used. , payment usage amount information can be applied as a factor that determines how much amount a franchisee receiving a credit loan service needs to repay.

The loan service providing unit 320 receives an application for a loan service from the affiliated store application 400, and pays a loan amount of a preset interest rate to the affiliated store based on the final prepayment amount to provide a loan service (for example, about 5% loans with negative interest rate limits). The loan service providing unit 320 may perform a process of reviewing by checking the basic required documents and qualification requirements for a credit loan of the business operator (merchant), and after passing the examination, the loanable amount is calculated and loaned to the affiliated store amount can be paid.

The loan repayment processing unit 330, based on the payment usage amount information transmitted from the smart pay server 200 according to the payment request of the affiliated store application 400 (ie, the payment request generated when the user pays at the affiliated store) A part of the loan amount may be repaid from the affiliated store application 100 . The repayment of the loan amount may be calculated according to Equation 1 below.

[Formula 1]

In Equation 1, P _pre is the final prepayment amount, P _user is the payment used amount, and P _available may mean an available amount. For example, the final prepayment amount (the amount transferred by the smart pay server 200 to the financial server 300 excluding the fee from the prepayment amount) is 970,000 won, and the payment amount (the amount paid by the user registered with the payment method in advance) is 970,000 won. amount) is 100,000 won and the available amount (the sum of the points amount from the user's prepayment amount) is 1.1 million won have.

The affiliated store application 400 may receive loan service support from the financial server and repay a portion of the loan amount according to the affiliated store payment through the payment means of the user application.

To this end, the affiliated store application 400 may include at least one of a loan service application unit 410 , a payment request unit 420 , and a loan repayment unit 430 as shown in FIG. 5 .

The loan service application unit 410 may apply for a credit loan service to the financial server 300 within the limit of the prepayment amount and receive the loan service. Of course, the loanable amount is calculated after passing the examination by submitting the basic required documents and qualification requirements for a credit loan of a franchisee (business operator), and the loan amount can be paid.

The payment request unit 420 may request payment by transmitting payment method information and payment usage amount information of the user application 100 to the smart pay server 200 . When the payment request unit 420 provides a payment method designated in advance by the user for payment at the affiliated store, the payment request unit 420 reads the payment method information, inputs the payment usage amount, and transmits it to the smart pay server 200 to request payment. .

The loan repayment unit 430 may repay at least a portion of the loan amount according to the payment usage amount information. The transferred payment amount information may be used to repay a portion of the loan as in Equation 1 above.

On the other hand, the available balance information management unit 250 and the payment amount management unit 310, when the final prepayment amount is exhausted and the available balance remains, when payment is made through the user application 100, the remaining available balance is used as a trial loan It can be financed from interest on services. Even if the final prepayment amount remitted to the financial server 300 is exhausted, an available balance may remain, which the user can still use like cash, but it is necessary to cover it, so it is preferable to cover it from the above-mentioned profit. Of course, the profit structure for each system may be different, but since the profit in the present system 1000 is in the interest paid by the affiliated store through the credit loan service and the fee for prepayment, it is appropriate to cover the loss in the system's revenue. .

6 is an exemplary diagram illustrating an operation method of a smart pay system based on a user's prepayment and a guarantee of a financial company according to an embodiment of the present invention.

First, while requesting (①) a prepayment of 1 million won through the user application 100, selecting a payment method (card/account) and registering the recommender information, the smart pay server 200 is 10% of the prepayment amount of 1 million won You can charge 1.1 million won, which is the sum of 100,000 points, as the available amount, and transfer 970,000 won by deducting 3% of the fee from the 1 million won prepayment amount to the financial server 300 (②). In addition, the smart pay server 200 pays 300 won, 0.1% of the 30,000 won fee, to the recommender (③).

Thereafter, the financial server 300 may provide a credit loan service to the affiliated store using the funds pre-paid by the user (④). For example, it is possible to provide a negative credit loan service with a 5% interest rate limit of 970,000 won.

After that, when the user purchases the product by actual use at the affiliate store and the payment amount is generated (⑤), the affiliated store application 400 transmits the user's payment method information and payment usage amount information to the smart pay server 200 and (⑥), the smart pay server 200 may update the available balance information with the amount obtained by subtracting the payment amount from the available amount and notify the user (⑧)

의 수식에 따라 대략 8.82만원(97*(10/110)만원)의 대출금을 가맹점 어플리케이션(400)으로 처리하여 상환시킬 수 있으며(⑨), 실질적인 대출금 상환은 가맹점에서 금융 서버(300)로 지급되는 것이 아니라, 최종 선결제금액을 금융 서버(300)가 가져가는 것이다.Thereafter, the smart pay server 200 may notify the financial server 300 of the use of the user's payment amount of 100,000 won (⑦). At this time, the financial server 300 is

According to the formula of 8.82 million won (97 * (10/110) million) can be repaid by processing the loan with the affiliated store application 400 (⑨), and the actual loan repayment is paid from the affiliated store to the financial server 300 Rather, the financial server 300 takes the final prepayment amount.

According to this embodiment, the financial company guarantees the funds paid in advance by the user, and when the user uses the charged funds, the loan amount allocated to the affiliated store is repaid, thereby improving the reliability and usability of the user's use of the prepayment. .

What has been described above is only one embodiment for implementing the smart pay system based on the user's prepayment and the guarantee of the financial company according to the present invention, and the present invention is not limited to the above embodiment, and is claimed in the claims below. As described above, without departing from the gist of the present invention, it will be said that the technical spirit of the present invention exists to the extent that various modifications can be made by anyone with ordinary knowledge in the field to which the present invention belongs.

1000: Smart pay system based on user's prepayment and financial company's guarantee
100: user application
110: prepayment request unit
120: payment method information setting unit
130: payment method information providing unit
140: Referral register
150: available balance information confirmation unit
200: smart pay server
210: payment method information register
220: prepayment processing unit
230: prepayment amount remittance unit
240: recommender management department
250: available balance information management unit
300: financial server
310: payment amount management unit
320: loan service provider
330: loan repayment processing unit
400: Merchant application
410: Loan service application section
420: payment request unit
430: loan repayment part

Claims (7)

a user application that requests a prepayment for deposit, and enables payment for actual use within an available amount obtained by adding up the prepayment amount set by the prepayment and the point amount paid according to the prepayment amount;
After receiving the request for the prepayment, setting the prepayment amount, remitting the prepayment amount, recharging the available amount by paying a point amount according to the set prepayment amount, and using payment information when using the payment through the user application smart pay server to notify; and
A financial server that receives the prepayment amount, provides a loan service to a merchant using the deposited prepayment amount as capital, and repays a portion of the loan amount from the merchant according to the payment usage amount information notified from the smart pay server Smart pay system based on the user's prepayment and the guarantee of the financial company, characterized in that it includes.
According to claim 1,
Smart pay based on the user's prepayment and the guarantee of the financial company, characterized in that it receives the loan service support from the financial server, and further comprises a merchant application that repays a part of the loan amount according to the merchant payment through the payment method of the user application system.
3. The method of claim 2,
The merchant application is,
a loan service application unit receiving a loan service by applying for a loan service to the financial server within the limit of the prepayment amount;
a payment request unit for requesting payment by transmitting payment method information and payment usage amount information of the user application to the smart pay server; and
and a loan repayment unit for repaying at least a portion of the loan amount according to the payment usage amount information.
4. The method of claim 3,
The user application is
a prepayment request unit that sets a deposit and transfers the prepayment amount from the user's linked account to the smart pay server according to the set deposit to request a prepayment;
a payment method information setting unit for receiving and setting a user's payment method information, and registering the set payment method information in the smart pay server;
a payment method information providing unit that transmits payment method information set through the payment method information setting unit to the affiliated store application at the time of payment at an affiliated store;
a recommender registration unit for registering recommender information in the smart pay server; and
and an available balance information checker receiving, from the smart pay server, available balance information that has updated the available amount information according to the payment usage amount information.
4. The method of claim 3,
The smart pay server,
a payment method information registration unit receiving and registering the payment method information from the user application;
Receives a request for prepayment from the user application, receives the prepayment amount transferred from the user's linked account according to the requested prepayment, pays a point amount of a preset ratio according to the transferred prepayment amount, the prepayment amount and the point amount a prepayment processing unit that adds up to charge the available amount;
a final prepayment amount remittance unit for deducting a fee of a preset ratio from the prepayment amount and remitting the final prepayment amount, which is the remaining amount excluding the fee, to the financial server;
a recommender management unit for receiving and setting recommender information from the user application, and deducting a compensation amount of a preset ratio from the fee to pay the recommender; and
When the payment method information and the payment usage amount information are received from the merchant application, the available amount information is updated by subtracting the corresponding payment usage amount from the available amount charged for the user corresponding to the received payment method information. and an available balance information management unit that provides the available balance information and transmits the payment usage amount information to the financial server.
6. The method of claim 5,
The financial server,
a payment amount management unit receiving the final prepayment amount from the smart pay server and receiving the payment usage amount information from the smart pay server;
a loan service providing unit that receives an application for a loan service from the affiliated store application, and provides a loan service by paying a loan amount of a preset interest rate to the affiliated store based on the final prepayment amount; and
In accordance with the payment request of the affiliated store application, based on the payment usage amount information transmitted from the smart pay server, a loan repayment processing unit for repaying a portion of the loan amount from the affiliated store application. based smart pay system.
7. The method of claim 6,
The loan repayment processing unit,

Repay the loan amount according to the formula of
The P _pre is the final prepayment amount,
The P _user is the payment amount,
The P _available is a smart pay system based on prepayment and a guarantee of a financial company, characterized in that the available amount.

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