PAYMENT METHOD AND SYSTEM

• US 20140046788A1
• Filed: 08/07/2013
• Published: 02/13/2014
• Est. Priority Date: 08/07/2012
• Status: Abandoned Application

• Current Assignee: KT Corporation
• Original Assignee: KT Corporation
• Inventors: LEE, Sang-Yup, PARK, Soo-Chul
• Application Number:
  US13/961,221
• Publication Number:
  US 20140046788A1
• Time in Patent Office: Days
• US Class Current: 705/21
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/363 with the personal data of a user

Abstract

A payment method and a system are provided. The payment method allows making a payment for a purchased product with an electronic wallet account linked with a telephone number.

Claims

1. A payment method comprising:

receiving a payment request including user information, point of sale (POS) information, and payment amount from a user terminal, wherein the user terminal obtains the POS information by reading a tag displayed through a POS terminal or attached to the POS;

processing a payment by deducting the payment amount from the balance of a first electronic wallet account linked to the user information according to the payment request and adding the payment amount to the balance of a second electronic wallet account linked to the POS information; and

notifying the payment processing result to at least one of the user terminal and the POS terminal corresponding to the POS information.

2. The payment method of claim 1, wherein at least one of the user information and the POS information is a telephone number.

3. The payment method of claim 1, after the payment processing, further comprising

synchronizing at least one balance of a prepaid card and a virtual account linked with the first electronic wallet account according to the change in the balance of the first electronic wallet account.

4. The payment method of claim 3, wherein the synchronizing the balance comprises:

transmitting a synchronizing request including the balance information changed according to the payment processing to the user terminal and a server authorizing use of a prepaid card, if the first electronic wallet account is linked with the prepaid card; and

transmitting, to a financial institution system, a synchronizing request including the balance information changed according to the payment processing, if the first electronic wallet account is linked with a virtual account.

5. The payment method of claim 1, after the payment processing, further comprising

synchronizing with the balance of the virtual account by transmitting a synchronizing request including the balance information changed according to the payment processing to a financial institution system, if the second electronic wallet account is linked to a virtual account.

6. The payment method of claim 1, wherein the processing a payment deducts the payment amount from the balance authorized for the use from the total balance of the first electronic wallet account.

7. The payment method of claim 1, after the payment processing, further comprising

reflecting the change by deducting the balance changed according to the payment processing from the total balance of a patent account in the group, if the first electronic wallet account is configured as a group.

8. The payment method of claim 1, wherein, prior to the processing a payment, the method comprising:

according to the payment request, when the balance of the first electronic wallet account is less than the payment amount, transmitting a payment pending message due to insufficient balance to at least one of the user terminal and a representative terminal corresponding to the parent account of the group including the first electronic wallet account;

receiving a payment verifying request from the parent account to the first electronic wallet account for the insufficient payment amount among the payment amount from the representative terminal; and

processing by deducting the insufficient payment amount from the balance of the parent account and adding that to the balance of the first electronic wallet account.

9. The payment method of claim 1, wherein prior to the processing a payment, the payment method comprising:

according to the payment request, when the balance of the first electronic wallet account is less than the payment amount, transmitting a payment pending message for the insufficient payment amount to at least one of the user terminal and a representative terminal corresponding to the parent account of the group including the first electronic wallet account; and

receiving a payment verifying request from the parent account to the first electronic wallet account for the insufficient payment amount among the payment amount from the representative terminal,

wherein in the processing a payment, a part of the payment amount is deducted from the balance of the first electronic wallet account, a remainder of the payment amount is deducted from the balance of the parent account, and the payment amount is added to the balance of the second electronic wallet account.

10. The payment method of claim 1, further comprising:

receiving a synchronizing request including balance information according to a prepaid card payment; and

synchronizing the balance of the first electronic wallet account with the balance information according to the synchronizing request.

11. The payment method of claim 10, wherein:

the prepaid card is a transportation card issued to a smart card attached to the user terminal; and

the user terminal transmits a synchronizing request including the balance information when the balance is changed with payments of the transportation card through a background-executing program.

12. The payment method of claim 1, wherein the first electronic wallet account is linked with a plurality of other accounts prioritized in accordance with their uses.

13. The payment method of claim 12, wherein deducting the payment amount from the balance of the first electronic wallet account is processed by deducting the payment amount from the balance of the other accounts in the prioritized order.

14. A payment support server comprising:

a communication unit configured to receive a payment request including user information, POS information and payment amount from a user terminal, wherein the user terminal obtains the POS information by reading a tag attached to a POS and displayed through a POS terminal;

a service control unit configured to process a payment by deducting the payment amount from the balance of the first electronic wallet account in accordance with the payment request and adding the payment amount to the balance of the second electronic wallet account linked to the POS information; and

a message generating unit configured to generate a payment result message corresponding to the payment processing,

wherein the payment result message is transmitted to at least one of the user terminal and the POS terminal corresponding to the POS information.

15. The payment support server of claim 14, wherein at least one of the user information and POS information is a telephone number.

16. The payment support server of claim 14, further comprising a synchronizing unit configured to synchronize at least one balance of a prepaid card and a virtual account linked to the first electronic wallet account according to the balance change of the first electronic wallet account.

17. The payment support server of claim 16, wherein:

if the first electronic wallet account is linked to a prepaid card, the synchronizing unit transmits a synchronizing request including the changed balance information, changed according to the payment processing by the service control unit, to the user terminal and a server verifying the use of the prepaid card; and

if the first electronic wallet account is linked to a virtual account, the synchronizing unit transmits synchronizing request to a financial institution system.

18. The payment support server of claim 16, wherein the synchronizing unit, if the second electronic wallet account is linked to a virtual account, transmits a synchronizing request including the changed balance information, changed according to the payment processing by the service control unit, to a financial institution system and synchronizes it with the balance of the virtual account.

19. The payment support server of claim 16, wherein the synchronizing unit, if the first electronic wallet account is configured as a group, reflects the changed balance, changed according to the payment processing by the service control unit, to the balance of a parent account of the group.

20. The payment support server of claim 19, wherein:

the balance of each electronic wallet account is specified and managed according to corresponding use types; and

the parent account is configured to manage a total balance for the use types by combining the balance of the electronic wallet account of each member of the group according to the corresponding use type.

21. The payment support server of claim 20, wherein the service control unit deducts the payment amount from the balance authorized for the use type of the total balance of the first electronic wallet account and the synchronizing unit synchronizes by deducting the balance deducted for the payment processing according to the use type.

22. The payment support server of claim 14, further comprising

an account verification unit configured to determine if the balance of the first electronic wallet account is less than the payment amount or not according to the payment request,

wherein, when the balance of the first electronic wallet account is less than the payment amount, the service control unit is configured to transmit a payment pending message caused due to insufficient balance to at least one of the user terminal and a representative terminal corresponding to the parent account of the group including the first electronic wallet account, and

wherein, when a payment verifying request is received to process a payment for the insufficient payment amount through the parent account from the representative terminal, the service control unit is configured to conduct the payment processing according to the payment request by deducting the insufficient payment amount from the balance of the parent account and adding it to the balance of the first electronic wallet account.

23. The payment support server of claim 14, further comprising

an account verification unit configured to determine if the balance of the first electronic wallet account is less than the payment amount or not according to the payment request,

wherein, when the balance of the first electronic wallet account is less than the payment amount, the service control unit is configured to transmit a payment pending message caused due to insufficient balance to at least one of the user terminal and a representative terminal corresponding to the parent account of the group including the first electronic wallet account, and

wherein, when a payment verifying request is received to process a payment for the insufficient payment amount through the parent account from the representative terminal, the service control unit is configured to conduct the payment processing by deducting a part of the payment amount from the balance of the first electronic wallet account and deducting the rest of the payment amount from the balance of the parent account.

24. The payment support server of claim 16, wherein the synchronizing unit, when a synchronizing request including balance information according to a prepaid payment is received, is configured to synchronize the balance information with the balance of the first electronic wallet account.

25. The payment support server of claim 24, wherein when the prepaid card is a transportation card issued to a smart card attached to the user terminal, the user terminal transmits a synchronizing request including the balance information when the balance is changed with payments of the transportation card through a background-executing program.

26. The payment support server of claim 14, wherein the first electronic wallet account is linked with another account.

27. The payment support server of claim 26, wherein the other account is at least one of a credit card, a prepaid card, financial institution real account, financial institution virtual account, mobile phone small payment.

28. The payment support server of claim 26, wherein the other account is prioritized according to a corresponding use type, and the service control unit deducts the payment amount from the balance of the other accounts according to a prioritized order.

29. A payment system comprising:

a user terminal configured to obtain POS information by reading a tag attached to a POS or displayed through a POS terminal, and to generate a payment request including the obtained POS information and a payment amount; and

a payment support server configured to process a payment by deducting the payment amount from the balance of the first electronic wallet account linked to the user terminal and corresponding to the payment request of the user terminal and adding the payment amount to the balance of the second electronic wallet account linked to the POS information.

30. The payment system of claim 29, wherein the payment support server is configured to generate a payment result message according to the payment processing and transmit the result to at least one of the user terminal and the POS terminal.

31. The payment system of claim 29, wherein the tag is at least one of a near field communication (NFC) tag, a radio frequency identification (RFID) tag, a barcode, and a quick response (QR) code.

32. The payment system of claim 29, wherein the payment support server is configured to:

manage at least one of a prepaid card and a virtual account corresponding to the electronic wallet account; and

transmit a synchronizing request for synchronizing with the balance of the prepaid card and the virtual account to at least one of the user terminal and a predetermined server when the balance of the electronic wallet account changes.

33. The payment system of claim 32, wherein the prepaid card is a transportation card issued to a smart card of the user terminal or stored in a server.