Settlement system supporting split-billing settlement and split-billing settlement execution method thereof

Abstract

The present application relates to a settlement system supporting a split settlement and a split settlement execution method of the system. The method includes the steps of: an electronic device generating split settlement information to split a single settlement amount with at least one other electronic device; the electronic device transmitting the split settlement information to a settlement service server providing a settlement service; the settlement service server receiving a settlement request; the settlement service server confirming whether the received settlement request is a split settlement request; the settlement service server confirming whether the split settlement can be performed in the case of the split settlement request; the settlement service server performing the split settlement based on the split settlement information when the split settlement can be performed, and the settlement service server transmitting a notification of completion of the split settlement to the electronic device and the at least one other electronic device, respectively, when the split settlement is completed. The present application can provide an effective split settlement method to improve user convenience.

Description

Technical Field

[0001] This invention relates to a settlement system that supports separate settlement and a method for executing separate settlement within the same system. Background Technology

[0002] Gatherings (such as hobby groups, class reunions, alumni associations, parties, etc.) are generally funded by the majority of attendees themselves. In addition, recently, the practice of Dutch pay or Dutch treat (hereinafter referred to as split billing) among working professionals has become widespread. For example, cash is collected from attendees before the bill is settled, or one attendee pays with their own card (or cash, debit card, etc.) and then claims reimbursement from the others separately.

[0003] However, the above methods may cause inconvenience to users. For example, with the widespread use of cards, more people do not carry cash, which may lead to difficulties in sharing cash payments. On the other hand, another potential problem is that the person settling the payment may need to disclose their bank account information to others for subsequent reimbursement, and there may be inconvenience in following up with those who have not paid.

[0004] On the other hand, card terminals (such as POS machines) are providing support for split-billing. For example, users can enter the portion of the total settlement amount that needs to be split into smaller amounts on the card terminal, and the corresponding user can then settle the amount by scanning their card. However, this method has the inconvenience of requiring multiple settlements based on the number of split-billing transactions. For instance, when splitting the bill for a meal for four people, each of the four users needs to settle their bill separately. Therefore, split-billing via card terminals results in a longer overall settlement time.

[0005] Therefore, a revenue-sharing settlement method that can solve the above problems and / or inconveniences is needed. Summary of the Invention

[0006] Technical issues

[0007] The purpose of this invention is to solve the problems described above and to provide a settlement system that supports split settlement and a split settlement execution method for the system. When a split settlement is requested through a representative's electronic device, the system can determine whether split settlement can be performed based on the split settlement information.

[0008] Another objective of this invention is to provide a settlement system that supports split settlement and a method for executing split settlement within the system. This system can determine whether split settlement can be performed based on split settlement information, and if split settlement cannot be performed, it can notify the relevant user of the reason why settlement cannot be performed.

[0009] The technical problems of this invention are not limited to those mentioned above. Those skilled in the art to which this invention pertains can clearly understand other technical problems not mentioned from the following description.

[0010] Solution to the problem

[0011] An execution method for split settlement in a settlement system according to an embodiment of the present invention may include: a step of an electronic device generating split settlement information to split a single settlement amount with at least one other electronic device; a step of the electronic device transmitting the split settlement information to a settlement service server providing settlement services; a step of the settlement service server receiving a settlement request; a step of the settlement service server confirming whether the received settlement request is a split settlement request; a step of the settlement service server confirming whether split settlement can be performed in the case of a split settlement request; and a step of the settlement service server executing the split settlement based on the split settlement information when the split settlement is performed, and a step of the settlement service server transmitting a notification of the completion of the split settlement to the electronic device and the at least one other electronic device respectively when the split settlement is completed.

[0012] The method may further include the steps of: when the split settlement cannot be performed, the settlement service server notifying the electronic device that the split settlement cannot be performed, and transmitting a notification regarding the inability to perform the settlement and the reason for the inability to perform the settlement to at least one electronic device that cannot perform the split settlement.

[0013] The method may further include the step of the electronic device inviting the at least one other electronic device to perform the split settlement to generate a split settlement group, and the step of generating the split settlement information may include the step of setting a settlement ratio or settlement amount for each member included in the split settlement group.

[0014] The steps for generating the revenue sharing settlement information may include: the electronic device confirming with the at least one other electronic device whether it approves the revenue sharing settlement information; and the steps for determining the revenue sharing settlement information when all at least one other electronic device approves the revenue sharing settlement.

[0015] The method may further include the step of the at least one other electronic device requesting the electronic device to adjust the settlement ratio or the settlement amount.

[0016] The steps of performing the split settlement may include: generating a single settlement information for the split settlement; and based on the split settlement information, withdrawing funds or requesting corresponding settlement amounts from various electronic devices to complete the split settlement, and generating settlement approval information for the single settlement information.

[0017] The steps of performing the split settlement may include: generating sub-settlement information for each electronic device based on the split settlement information; and withdrawing or requesting settlement amounts corresponding to the sub-settlement information from each electronic device to complete the split settlement, and generating settlement approval information for each sub-settlement information.

[0018] An execution method for split settlement in a settlement system according to an embodiment of the present invention may include: a step of an electronic device generating split settlement information to split a single settlement amount with at least one other electronic device; a step of the electronic device transmitting the split settlement information to a settlement service server providing settlement services; a step of a settlement terminal receiving a settlement request; a step of the settlement terminal transmitting the settlement request to the settlement service server; a step of the settlement service server confirming whether the settlement request is a split settlement request; a step of the settlement service server confirming whether split settlement can be performed in the case of a split settlement request; a step of the settlement service server performing the split settlement based on the split settlement information when the split settlement can be performed, and transmitting a notification of the completion of the split settlement to the electronic device and the at least one other electronic device respectively when the split settlement cannot be performed; and a step of the settlement service server notifying the electronic device that the split settlement cannot be performed, and transmitting a notification of the inability to perform the settlement and the reason for the inability to perform the settlement to the at least one electronic device that cannot perform the split settlement.

[0019] A method for executing a separate settlement in a settlement system according to an embodiment of the present invention may include: a step of an electronic device generating separate settlement information to perform separate settlement with at least one other electronic device for a single settlement amount; a step of the electronic device transmitting the separate settlement information to a settlement service server providing settlement services; a step of the settlement service server confirming whether separate settlement can be performed in response to the receipt of the separate settlement information; a step of the settlement service server notifying the electronic device of the progress of the separate settlement when the separate settlement can be performed; a step of the settlement service server receiving a settlement request; a step of the settlement service server confirming whether the received settlement request is a separate settlement request; a step of the settlement service server executing the separate settlement based on the separate settlement information in the case of a separate settlement request; and a step of the settlement service server transmitting a notification of the completion of the separate settlement to the electronic device and the at least one other electronic device respectively when the separate settlement is completed.

[0020] A settlement system supporting split settlement according to an embodiment of the present invention may include: an electronic device that generates split settlement information to split a single settlement amount with at least one other electronic device; and, in response to receiving a settlement request from the electronic device, confirming whether the received settlement request is a split settlement request, and in the case of a split settlement request, confirming whether the requested split settlement can be performed, and when the split settlement can be performed, executing the requested split settlement based on the split settlement information, and when the split settlement is completed, transmitting a notification of the completion of the split settlement to the electronic device and the at least one other electronic device respectively to a settlement service server.

[0021] When the split settlement cannot be performed, the settlement service server may notify the electronic device that the split settlement cannot be performed, and may transmit a notification regarding the inability to perform the settlement and the reason for the inability to perform the settlement to at least one electronic device that cannot perform the split settlement.

[0022] The electronic device may invite at least one other electronic device to perform the split settlement to generate a split settlement group, and set a settlement ratio or settlement amount for each member in the split settlement group to generate the split settlement information.

[0023] The electronic device can query the at least one other electronic device to see if the revenue sharing settlement information has been approved. When all at least one other electronic device approves the revenue sharing settlement, the revenue sharing settlement information can be determined.

[0024] The at least one other electronic device may request the electronic device to adjust the settlement ratio or the settlement amount.

[0025] The settlement service server can generate individual settlement information for the split settlement, and can withdraw funds or request corresponding settlement amounts from various electronic devices based on the split settlement information to complete the split settlement, and generate settlement approval information for the individual settlement information.

[0026] The settlement server can generate sub-settlement information for each electronic device based on the split settlement information, withdraw funds from or request settlement amounts corresponding to the sub-settlement information from each electronic device to complete the split settlement, and generate settlement approval information for each sub-settlement information.

[0027] The effects of the invention

[0028] One embodiment of the present invention can improve user convenience by effectively executing split settlement. For example, the present invention can confirm whether split settlement can be performed based on split settlement information. When split settlement cannot be performed, the reason for the inability to perform is notified to the relevant user, so as to guide the user to quickly resolve the reason for the inability to perform split settlement smoothly. In addition, the present invention can generate settlement approval information for each member of the split settlement group, so as to cancel the split settlement individually or easily change the payment card.

[0029] The effects of the present invention are not limited to those mentioned above. Those skilled in the art to which this invention pertains can clearly understand other effects not mentioned from the description of the scope of protection of the invention. Attached Figure Description

[0030] Figure 1 This is a schematic diagram illustrating the configuration of a settlement system according to an embodiment of the present invention;

[0031] Figure 2 This is a flowchart illustrating an execution method for split settlement in a settlement system according to an embodiment of the present invention;

[0032] Figure 3 This is a flowchart illustrating an execution method for split settlement of a settlement system according to another embodiment of the present invention;

[0033] Figure 4a This is a schematic diagram illustrating a method for generating settlement approval information according to an embodiment of the present invention;

[0034] Figure 4b This is a schematic diagram illustrating a method for generating settlement approval information according to another embodiment of the present invention;

[0035] Figures 5a to 5c This is a screenshot of a generated split settlement group according to an embodiment of the present invention;

[0036] Figures 5d to 5g This is a screen example diagram showing the setting of the split settlement amount according to an embodiment of the present invention;

[0037] Figure 5h and Figure 5i This is an example screen diagram showing the notification of revenue settlement details in one embodiment of the present invention. Detailed Implementation

[0038] Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. The advantages and features of the present invention, as well as methods of implementing them, will become clear from the accompanying drawings and the detailed embodiments described below. However, the present invention is not limited to the embodiments disclosed below, but is implemented in various different forms. These embodiments are provided only to complete the disclosure of the present invention and to fully introduce the scope of the invention to those skilled in the art. The invention is defined only by the scope of the claims. Hereinafter, the same reference numerals refer to the same components.

[0039] While terms such as "first," "second," etc., are used to describe various elements, components, and / or parts, it is understood that these elements, components, and / or parts are not limited by these terms. These terms are used only to distinguish one element, component, or part from other elements, components, or parts. Therefore, it is understood that, in the technical concept of this invention, a first element, first component, or first part can also be a second element, second component, or second part.

[0040] The terminology used in this specification is for illustrative purposes and is not intended to limit the invention. In this specification, the singular form includes the plural form unless specifically stated otherwise. For the use of "comprises" and / or "made of," the reference to a component, step, operation, and / or element does not exclude the presence or addition of more than one other component, step, operation, and / or element.

[0041] Unless otherwise defined, all terms used in this specification (including technical and scientific terms) are to be used in the sense that would be commonly understood by one of ordinary skill in the art to which this invention pertains. Furthermore, unless explicitly defined otherwise, terms as defined in commonly used dictionaries are not to be interpreted ideally or exaggeratedly.

[0042] Figure 1 This is a schematic diagram illustrating the configuration of a settlement system according to an embodiment of the present invention.

[0043] Reference Figure 1In addition to conventional settlement, a settlement system 1000 according to an embodiment of the present invention can support a split settlement (e.g., each user pays their own share) service where multiple users split a single settlement amount. The system 1000 may include a user terminal (e.g., an electronic device) 100, a settlement terminal 200, and a settlement service server 300.

[0044] User terminal 100 may be an electronic device (e.g., smartphone, smartwatch, etc.) that includes online / offline settlement functions. User terminal 100 may include an application (e.g., e-wallet, mobile card, etc.) for managing / controlling the settlement functions.

[0045] User terminal 100 can be a terminal belonging to a member of a group (or community) used for revenue sharing settlement. That is, user terminal 100 may include multiple user terminals 101, 102, and 103. User terminal 100 can support revenue sharing settlement in settlement operations. For example, one of the multiple user terminals 101, 102, and 103 (e.g., the first user terminal 101) can act as a representative terminal and invite at least one other user terminal (e.g., the second user terminal 102 to the Nth user terminal 103) to generate a revenue sharing settlement group. After generating the revenue sharing settlement group, the first user terminal 101 can generate revenue sharing settlement information to execute the revenue sharing settlement. Detailed operations of the user terminal 100 used for revenue sharing settlement will be described in [reference needed]. Figure 2 and Figure 3 This will be discussed later.

[0046] The settlement terminal 200 can receive settlement requests (e.g., regular settlement or split settlement requests) from the first user terminal 101 and transmit them to the settlement business server 300, and can receive messages from the settlement business server 300 regarding settlement approval or failure. The settlement terminal 200 can be a card terminal (e.g., a POS machine) installed in a physical store (e.g., a franchise store). Alternatively, the settlement terminal 200 can be settlement software (e.g., a settlement application) for online settlement.

[0047] The settlement service server 300 supports the settlement services of the user terminal 100. The settlement service server 300 can be a third-party server that provides settlement services using the card issuer's network. For example, the settlement service server 300 connects to the user terminal 100 and the settlement terminal 200 via a network including the card issuer's network, the Internet, an intranet, a wired wireless communication network, a mobile communication network, etc., and receives and processes settlement requests from the first user terminal 101 through the settlement terminal 200. Furthermore, the settlement service server 300 can store user information (e.g., information about at least one payment card owned by the user, recharge account information, etc.) in a database.

[0048] According to one embodiment, the settlement service server 300 can support split settlement. For example, the settlement service server 300 can receive split settlement information (e.g., group members, total settlement amount, split settlement amount for each group member, settlement method for each group member, etc.) from the first user terminal 101, and can confirm whether split settlement can be performed based on the split settlement information. If split settlement can be performed, the settlement service server 300 can withdraw (or request) the settlement amount for each group member and execute the split settlement, and notify the group members (e.g., transmit the split settlement details to each group member's terminal in the form of a message) of the completion of the split settlement.

[0049] On the other hand, the settlement service server 300 can notify the first user terminal 101 of the inability to perform split settlement when it is not possible. At this time, the settlement service server 300 can simultaneously notify the group members who can perform settlement and / or the reason for the inability. Additionally, the settlement service server 300 can transmit the reason for the inability to perform settlement (e.g., insufficient balance, exceeding the limit) to the terminals of the group members who cannot perform split settlement, to guide them in resolving the issue. Detailed operation of the settlement service server 300 used for the above-mentioned split settlement will be referred to... Figure 2 and Figure 3 This will be discussed later.

[0050] On the other hand, although not illustrated, the settlement service server 300 can also contact card issuers to provide settlement services. For example, the settlement service server 300 stores card information from other card issuers using various known methods, and can use the stored card information to request split settlement amounts from the corresponding card issuers. Furthermore, when making a split settlement request, the settlement service server 300 queries the corresponding card issuers to see if settlement for the split settlement amount is possible and receives the result.

[0051] Figure 2 This is a flowchart illustrating the execution method of a settlement system for splitting accounts according to an embodiment of the present invention.

[0052] Reference Figure 2In a method for executing a split settlement in a settlement system according to an embodiment of the present invention (hereinafter, the split settlement method), split settlement information may be generated in step (S201). For example, an electronic device (e.g., a first user terminal 101) may generate split settlement information to enable split settlement of a single settlement with at least one other electronic device (e.g., a second user terminal 102 to an Nth user terminal 103). The split settlement information may include the group members to be split settled, the total settlement amount, and the split settlement amount (or ratio) for each group member. In detail, the user of the electronic device may select one from a preset group, or may generate a split settlement group by inviting at least one other electronic device, and set a settlement amount or settlement ratio for each group member for the total settlement amount to generate split settlement information. A detailed description of this will refer to... Figure 5a and Figure 5b This will be discussed later.

[0053] In step (S203) of the aforementioned revenue-sharing settlement method, revenue-sharing settlement information can be transmitted to the settlement business server 300. For example, the electronic device can use a wired or wireless communication network to transmit the revenue-sharing settlement information to the settlement business server 300. As another example, the electronic device can also transmit the revenue-sharing settlement information to the settlement business server 300 through the settlement terminal 200.

[0054] In steps (S205) and (S206) of the aforementioned settlement method, the user of the electronic device requests settlement from the settlement service server 300 via the settlement terminal 200. For example, when the settlement terminal 200 is a POS machine (point-of-sale terminal), the POS machine can transmit the settlement request to the settlement service server 300 when the user of the electronic device comes into contact with (or is within a specified distance of) the POS machine. As another example, when the settlement terminal 200 is a settlement application, the settlement application can transmit the settlement request to the settlement service server 300 when the settlement button is activated (e.g., clicked) on the settlement screen. The settlement request may include the total settlement amount and identification information (e.g., card number).

[0055] In step (S207) of the revenue sharing settlement method, it can be confirmed whether the requested settlement is a revenue sharing settlement request. For example, the settlement service server 300 can confirm whether the requested settlement is a revenue sharing settlement request based on the revenue sharing settlement information. For example, after receiving revenue sharing settlement information from the electronic device, the settlement service server 300 can determine that the settlement request received from the electronic device is a revenue sharing settlement request.

[0056] When the requested settlement is not a split settlement request, the split settlement method can perform regular settlement in step (S208). Conversely, when the requested settlement is a split settlement request, the split settlement method can confirm whether split settlement can be performed in step (S209). For example, the settlement service server 300 can confirm whether to perform split settlement based on the received split settlement information. For example, if the settlement method of a group member is a prepaid card (or account), the settlement service server 300 can confirm whether the balance is above the split settlement amount; if the settlement method is a credit card, it can confirm whether the balance limit is above the split settlement amount.

[0057] Upon confirmation of the result of step (S209), if split settlement cannot be performed, in step (S211), the settlement service server 300 may notify the settlement terminal 200 that settlement cannot be performed. Additionally, in step (S213), the settlement service server 300 may notify the electronic device that settlement cannot be performed. At this time, the settlement service server 300 may simultaneously notify (transmit) the group members who cannot perform settlement and the reason for the inability. Furthermore, in step (S215), the settlement service server 300 may transmit the reason for the inability to perform settlement to the terminals of the group members who cannot perform settlement. Through steps (S213) and (S215), group members can quickly resolve situations where split settlement cannot be performed (e.g., recharging prepaid cards (or accounts), increasing credit card limits, requesting adjustments to split amount (or ratio), changing payment cards (or accounts), etc.), thus improving the convenience of split settlement.

[0058] According to another embodiment, when the settlement service server 300 transmits the reason why settlement cannot be performed, it may simultaneously transmit information about at least one card from the cards owned by the group member who is capable of performing settlement. According to yet another embodiment, when a group member sets up automatic top-up, the settlement service server 300 may automatically top up payment cards with insufficient balances and transmit an automatic top-up message to the corresponding group member's terminal, notifying them to automatically top up the corresponding card.

[0059] On the other hand, if the confirmation result of step (S209) allows for separate settlement (or if all reasons for non-settlement are resolved after step (S215), the separate settlement method can perform separate settlement based on the separate settlement information in step (S221). For example, the settlement business server 300 can settle the amount withdrawn (or requested) by each group member based on the separate settlement information. In step (S223), the separate settlement method can generate settlement approval information. At this time, the settlement business server 300 can generate settlement approval information separately for each group member. A detailed explanation of this will refer to [link to relevant documentation]. Figure 4aThis will be discussed later. As another example, even if the settlement server 300 processes withdrawals based on group member withdrawal amounts, it only generates a single settlement approval message for the total amount. A detailed explanation of this will be provided in [reference needed]. Figure 4b This will be discussed later.

[0060] In step (S225) of the aforementioned revenue sharing settlement method, notifications may be transmitted. For example, the settlement service server 300 may transmit a first notification (e.g., settlement approval) to the settlement terminal 200, a second notification (e.g., revenue sharing settlement approval details) to an electronic device, and a third notification (e.g., revenue sharing settlement approval details) to at least one other electronic device. A detailed explanation of this will be provided in [reference needed]. Figure 5c This will be discussed later.

[0061] On the other hand, although not illustrated, when the settlement service server 300 confirms in step (S209) whether a separate settlement can be performed, it can compare the total settlement amount transmitted from the settlement terminal 200 with the total settlement amount contained in the separate settlement information received from the electronic device to confirm whether a separate settlement can be performed. This is to prevent settlement errors caused by the user of the electronic device mistakenly entering the total settlement amount when generating the separate settlement information.

[0062] Figure 3 This is a flowchart illustrating the execution method of a settlement system for splitting accounts according to another embodiment of the present invention.

[0063] Reference Figure 3 The method for executing the separate settlement of the settlement system according to another embodiment of the present invention (hereinafter, the separate settlement method) and Figure 2 The method of profit sharing and settlement is similar. However, in Figure 3 In the split settlement method, before the user of the electronic device actually requests split settlement from the settlement terminal 200 using the electronic device, the settlement business server 300 can confirm whether split settlement can be performed.

[0064] In step (S301), the revenue-sharing settlement method generates revenue-sharing settlement information. In step (S303), the revenue-sharing settlement method transmits the revenue-sharing settlement information to the settlement business server 300. In step (S305), the revenue-sharing settlement method confirms whether revenue-sharing settlement can be performed. Steps (S301), (S303), and (S305) are respectively related to... Figure 2 The steps (S201), (S203), and (S209) are similar, so detailed explanations are omitted.

[0065] If the confirmation result of step (S305) indicates that separate settlement cannot be performed, in step (S311), the settlement service server 300 notifies the electronic device that separate settlement cannot be performed. In step (S313), the reason for the inability to settle can be transmitted to the terminals of the group members who cannot settle. Steps (S311) and (S313) are respectively related to... Figure 2 Steps (S213) and (S215) are similar, so detailed explanations are omitted.

[0066] On the other hand, if the confirmation result of step (S305) enables the separate settlement, in step (S315) of the separate settlement method, the settlement business server 300 can notify the electronic device of the progress of the separate settlement.

[0067] In the aforementioned revenue sharing and settlement method, in steps (S317) and (S318), the user of the electronic device can use the electronic device to request settlement from the settlement service server 300 through the settlement terminal 200. Steps (S317) and (S318) are respectively related to... Figure 2 Steps (S205) and (S206) are similar, so detailed explanations are omitted.

[0068] In step (S319), the revenue-sharing settlement method can confirm whether the requested settlement is a revenue-sharing settlement request. When the requested settlement is not a revenue-sharing settlement request, the revenue-sharing settlement method can perform regular settlement in step (S320). Conversely, when the requested settlement is a revenue-sharing settlement request, the revenue-sharing settlement method, through the settlement business server 300, can execute revenue-sharing settlement based on revenue-sharing settlement information in step (S321), generate settlement approval information in step (S323), and transmit notifications in step (S325). Steps (S319), (S320), (S321), (S323), and (S325) are respectively related to... Figure 2 Steps (S207), (S208), (S221), (S223), and (S225) are similar, so detailed explanations are omitted.

[0069] On the other hand, Figure 2 and Figure 3 The text describes using a first user terminal 101 to request a billing settlement, but the invention is not limited thereto. According to another example, after the first user terminal 101 generates billing settlement information, the invention can also replace the first user terminal 101 by bringing a physical card (e.g., a credit card, prepaid card, etc.) into contact with the settlement terminal 200 (or within a specified distance) to request a billing settlement.

[0070] Furthermore, while it has been explained that split settlement information is generated each time for split settlement, the present invention is not limited thereto. According to another example, the present invention sets all settlements for a group trip period (e.g., a week, a month, or a specified period) as split settlements, and within the corresponding period, split settlements can be performed based on the generated and stored split settlement information each time a settlement is made, even if split settlement information is not generated.

[0071] Figure 4a This is a schematic diagram illustrating a method for generating settlement approval information according to an embodiment of the present invention. Figure 4b This is a schematic diagram illustrating a method for generating settlement approval information according to another embodiment of the present invention.

[0072] Reference Figure 4a and Figure 4b According to one embodiment of the present invention, a settlement service server can generate settlement approval information for split settlement. For example, such as... Figure 4a As shown, in the settlement business server, when a request is made for a separate settlement for a single settlement (S401), sub-settlement information (S402-1, S402-2) can be generated for each separate settlement based on the separate settlement information. The amount corresponding to the generated sub-settlement information (S402-1, S402-2) can be withdrawn (or requested) from each electronic device (S403-1, S403-2) to complete the separate settlement (S404-1, S404-2), and settlement approval information for each sub-settlement information is generated. As described above, when sub-settlement information is generated for each group member, if a specific group member wants to cancel (or change their payment card (or method)) their own settlement, only the corresponding sub-settlement can be canceled, without having to cancel all settlements and re-settle, thereby improving convenience for franchisees and users.

[0073] As another example, such as Figure 4b As shown, in the settlement business server, when a request is made for a separate settlement for a single settlement (S411), single settlement information for the separate settlement can be generated (S412). Based on the separate settlement information, the corresponding separate settlement amount can be withdrawn (or requested) from the electronic device and at least one other electronic device respectively (S413-1, S413-2) to complete the separate settlement (S414), and settlement approval information for the single settlement information can be generated. That is, for Figure 4b In this case, although it is a separate settlement, it can be processed as a single settlement in terms of the settlement terminal 200.

[0074] Figures 5a to 5c This is a screenshot of a generated revenue sharing group according to an embodiment of the present invention. Figures 5d to 5g This is a screenshot illustrating the setting of the settlement amount according to an embodiment of the present invention. Figure 5h and Figure 5i This is an example screen diagram showing the notification of revenue settlement details in one embodiment of the present invention.

[0075] Reference Figures 5a to 5i According to an embodiment of the present invention, when an electronic device (e.g., a first user terminal) executes the billing settlement menu in a settlement business application, it can display a settlement group directory screen, as shown in the figure with identification symbol 510. The figure with identification symbol 510 illustrates an example where no settlement group has been generated.

[0076] When the settlement group directory screen selects (e.g., touches) the generation menu 501 for generating a settlement group, the electronic device can display the settlement group generation screen, as shown in the figure with identification symbol 520. The settlement group generation screen may include a group name field 521 for setting (e.g., inputting) a group name, a group type field 522 for setting (e.g., selecting) a group type (e.g., temporary group or multiple-entry group), and a participant directory field 523 for displaying a directory of group members. At this time, the participant directory field 523 may essentially include the user of the electronic device (e.g., participant A (self)).

[0077] When the invitation menu 502 for inviting group members is selected (e.g., touched) on the settlement group generation screen, the electronic device can display an invitation screen, as shown in the figure of identification symbol 530. The invitation screen may include at least one group member field 531, which includes the group member's name and contact information (e.g., phone number). For example, the user of the electronic device can add a group member (e.g., participant B) by directly entering the name and contact information of the user to be invited in the group member field 531. Alternatively, the user of the electronic device can add a group member (e.g., participant B) by selecting a specific contact method from stored contact information.

[0078] On the other hand, the invitation screen may include an add menu 503 for adding group members. When the add menu 503 is selected (e.g., touched), the electronic device can add a group member field 532, as shown in the figure of identification symbol 540. At this time, the user of the electronic device can add group members (e.g., participant C) in the added group member field 532.

[0079] When the confirmation menu 504 for completing group settings is selected (e.g., touched) on the invitation screen, the electronic device can display a settlement group generation screen in the participant directory 523, which adds group members (e.g., participant B, participant C) for split settlement, as shown in the figure of identification symbol 550.

[0080] When the confirmation menu 505 is selected (e.g., touched) on the settlement group generation screen, the electronic device can display a settlement group directory screen with the generated settlement group (e.g., settlement group 1) added, as shown in the figure of identification symbol 560. The settlement group directory screen of identification symbol 560 can display the generated settlement group in the form of a card (hereinafter, settlement group card) 561. The settlement group card 561 may include an open / close menu 506 for activating or deactivating the corresponding card, a delete menu 507 for deleting the corresponding card, a name change menu 508 for changing the name of the corresponding settlement group, and a usage details menu 509 for confirming the usage details of the corresponding settlement group.

[0081] On the other hand, when the confirmation menu 505 is selected (e.g., touched) on the settlement group generation screen, the electronic device can transmit an invitation message to the group members (e.g., participant B, participant C) included in the settlement group. At this time, other electronic devices that receive the invitation message from the electronic device (e.g., participant C's electronic device) can display a pop-up message 562, as shown in the figure of identification symbol 565.

[0082] When settlement group card 561 is selected in the settlement group directory screen of identification symbol 560, the electronic device can display a settlement amount setting screen for setting the settlement amount for each group member, as shown in the figure of identification symbol 570. The settlement amount setting screen can display amount setting fields 571, 572, and 573 for setting the settlement amount for each group member, as well as a representative change menu 574 for changing the representative for setting the settlement information. At this time, the electronic device can only activate the amount setting fields for the group members who approved the invitation in the settlement amount setting screen. For example, the electronic device may only activate and display its own (e.g., participant A) amount setting field 571 because it has not received an approval message from the electronic devices of the invited group members (e.g., participant B and participant C), and may deactivate and display the amount setting fields 572 and 573 for the invited group members (e.g., participant B and participant C), as shown in the figure of identification symbol 570.

[0083] On the other hand, when the pop-up message 562 in the identification symbol 565 is selected, other electronic devices can display a billing settlement group directory screen, which includes an invitation card 576 displaying detailed information about the invitation message, as shown in the identification symbol 575. The invitation card 576 may include a rejection menu 511 and an approval menu 512 for the invitation. When the rejection menu 511 is selected, other electronic devices can transmit a rejection message for the invitation to the electronic device and delete the invitation card 576. On the other hand, when the approval menu 512 is selected, other electronic devices can transmit an approval message to the electronic device and change the invitation card 576 to a settlement group card 578, as shown in the identification symbol 577. The settlement group card 578 may include an exit menu 513 for leaving the settlement group and a usage details menu 514 for confirming settlement details. On the other hand, when a group member does not specify a basic settlement method (e.g., credit card, prepaid card, account, etc.) or a group member requests a change of settlement method, the approval message may include settlement method information.

[0084] On the other hand, when an approval message is received from at least some of the invited group members (e.g., participant B and participant C), the electronic device can activate the amount setting field 573 for the approved group member (e.g., participant C) in the settlement amount setting screen, as shown in the figure of identification symbol 580. The user of the electronic device can use the data bars in the amount setting field to set a settlement ratio for each group member. For example, the user of the electronic device can set a settlement ratio so that participant A (themselves) settles 80% and participant C settles 20%. When the settlement ratio for the group members is set, the electronic device transmits the set settlement ratio to the electronic devices of the group members.

[0085] Upon receiving the settlement ratio from the electronic device, when the settlement group card 578 is selected in the diagram of identification symbol 577, other electronic devices (e.g., participant C's electronic device) can display a settlement amount setting screen, as shown in the diagram of identification symbol 585. The settlement amount setting screen of identification symbol 585 can be the same as the settlement amount setting screen of the electronic device shown in the diagram of identification symbol 580. Alternatively, the diagram of identification symbol 585 shows that the amount setting field is activated so that users of other electronic devices (e.g., participant C) can change the settlement ratio. That is, users of other electronic devices (e.g., participant C) can use the amount setting field to change the settlement ratio. At this time, other electronic devices can transmit the changed settlement ratio to the electronic device. That is, the final settlement ratio can be determined through the aforementioned negotiation process among group members. According to another example, other electronic devices can also display the amount setting field as disabled to prevent users of other electronic devices from being unable to change the settlement ratio set by the user of the electronic device. At this time, other electronic devices can transmit their decisions regarding whether to approve the settlement ratio to the electronic device. According to another example, when generating a split settlement, the user of the electronic device can set a split settlement ratio that can or cannot be changed in other electronic devices.

[0086] When the revenue sharing and settlement information is generated through the above process, the electronic device can request revenue sharing and settlement from the settlement service server 300 via the settlement terminal 200. In response to the request, the settlement service server 300 can confirm whether revenue sharing and settlement can be performed, and if so, can perform the settlement. Upon completion of the revenue sharing and settlement, the settlement service server 300 can generate revenue sharing and settlement approval details and transmit these details to the electronic device and other electronic devices. For example, the settlement service server 300 can generate a first revenue sharing and settlement approval detail 591 related to the electronic device and a second revenue sharing and settlement approval detail 592 related to other electronic devices (e.g., participant C's electronic device), as shown in the figures 590-1 and 590-2.

[0087] The electronic device that receives the first revenue settlement approval detail 591 may display a first pop-up message 593 on one side of the display screen, as shown in the figure with identification symbol 595-1. Similarly, other electronic devices that receive the second revenue settlement approval detail 592 may display a second pop-up message 594 on one side of the display screen, as shown in the figure with identification symbol 595-2.

[0088] On the other hand, while the above describes the scenario of setting a settlement ratio, according to another embodiment, the user of the electronic device can also enter the settlement amount for each group member, instead of the settlement ratio. In this case, the electronic device can display the sum of the entered settlement amounts. The user of the electronic device can then confirm whether the displayed sum is the same as the actual settlement amount.

[0089] As another example, the electronic device can obtain a total settlement amount from the user or settlement terminal 200, and can compare the obtained total settlement amount with the sum of the split settlement amounts entered through the amount setting field.

[0090] As another example, users of electronic devices can combine settlement ratios and settlement amounts to input the split settlement amount for each group member. For instance, a user of an electronic device can input a split settlement amount for at least one group member and set a settlement ratio for the remaining group members, allowing the remaining group members to settle the remaining amount according to the settlement ratio.

[0091] As described above, embodiments of the present invention have been illustrated, but these are merely exemplary examples. It will be clear to those skilled in the art that various modifications, alterations, and equivalent embodiments may exist without departing from the spirit and scope of the invention. Therefore, the true scope of protection of the present invention should be determined by the technical concept claimed in the appended invention claims.

Claims

1. A method for executing a split-settlement of a settlement system, characterized by, The method includes: a step of an electronic device generating split-settlement information for split-settlement of a single settlement amount with at least one other electronic device; a step of the electronic device transmitting the split-settlement information to a settlement service server providing a settlement service; a step of the settlement service server receiving a settlement request; a step of the settlement service server confirming whether the received settlement request is a split-settlement request; a step of the settlement service server confirming whether split-settlement is possible in the case of the split-settlement request; and a step of the settlement service server performing the split-settlement based on the split-settlement information when the split-settlement is possible, and transmitting a notification of completion of the split-settlement to the electronic device and the at least one other electronic device, respectively, when the split-settlement is completed, the method further including a step of the settlement service server notifying the electronic device that the split-settlement is not possible when the split-settlement is not possible, and transmitting a notification of a settlement-impossible state and a reason for impossibility to at least one electronic device for which the split-settlement is not possible, the step of performing the split-settlement including: a step of generating single settlement information for the split-settlement; a step of the settlement service server, based on the split-settlement information, (i) withdrawing a corresponding split-settlement amount from each of the electronic device and the at least one other electronic device to the settlement service server or (ii) requesting a split-settlement amount to each of the electronic device and the at least one other electronic device to complete the split-settlement; and a step of generating settlement approval information for the single settlement information, wherein only one single settlement is made with respect to the electronic device according to the single settlement information, and generating settlement details of split-settlement between the settlement service server and each of the at least one other electronic device, respectively.

2. The method of claim 1, wherein, The method further includes: a step of the electronic device inviting the at least one other electronic device to perform the split-settlement to generate a split-settlement group, the step of generating the split-settlement information including: a step of setting a settlement ratio or a settlement amount for each group member included in the split-settlement group, respectively.

3. The method of claim 2, wherein, The step of generating the split-settlement information includes: a step of the electronic device confirming whether the at least one other electronic device approves the split-settlement information; and a step of determining the split-settlement information when the at least one other electronic device all approve the split-settlement.

4. The method of claim 3, wherein, The method further includes: a step of the at least one other electronic device requesting the electronic device to adjust the settlement ratio or the settlement amount.

5. An execution method of a split-settlement of a settlement system, characterized by, The method includes: a step of an electronic device generating split-settlement information for split-settlement of a single settlement amount with at least one other electronic device; a step of the electronic device transmitting the split-settlement information to a settlement service server providing a settlement service; a step of a settlement terminal receiving a settlement request; a step of the settlement service server receiving a settlement request; The settlement terminal transmits the settlement request to the settlement service server; The settlement service server confirms whether the settlement request is a split-settlement request; In the case of the split-settlement request, the settlement service server confirms whether the split-settlement is possible; When the split-settlement is possible, the settlement service server performs the split-settlement based on the split-settlement information, and when the split-settlement is completed, the settlement service server transmits a notification of the completion of the split-settlement to the electronic device and the at least one other electronic device, respectively; and When the split-settlement is not possible, the settlement service server notifies the electronic device that the split-settlement is not possible, and transmits a notification of a state in which the settlement is not possible and a reason for the impossibility to the at least one electronic device in which the split-settlement is not possible, When the split-settlement is possible, the settlement service server performs the split-settlement based on the split-settlement information, comprises: generating a single settlement information for the split-settlement; based on the split-settlement information, (i) withdrawing a corresponding split-settlement amount from each of the electronic device and the at least one other electronic device to the settlement service server or (ii) requesting a split-settlement amount to each of the electronic device and the at least one other electronic device to complete the split-settlement; and generating settlement approval information for the single settlement information, wherein only one single settlement is made with respect to the electronic device according to the single settlement information, and generating a settlement detail of the split-settlement between the settlement service server and each of the at least one other electronic device, respectively.

6. An execution method of a split-settlement of a settlement system, characterized by, The method comprises: an electronic device generating split-settlement information to perform a split-settlement of a single settlement amount with at least one other electronic device; the electronic device transmitting the split-settlement information to a settlement service server that provides a settlement service; in response to the reception of the split-settlement information, the settlement service server confirming whether the split-settlement is possible; when the split-settlement is possible, the settlement service server notifying the electronic device of the progress of the split-settlement; the settlement service server receiving a settlement request; the settlement service server confirming whether the received settlement request is a split-settlement request; in the case of the split-settlement request, the settlement service server performing the split-settlement based on the split-settlement information; and when the split-settlement is completed, the settlement service server transmits a notification of the completion of the split-settlement to the electronic device and the at least one other electronic device, respectively, The method further includes the steps of, when the split-settlement cannot be performed, the settlement service server notifying the electronic device that the split-settlement cannot be performed, and transmitting, to at least one electronic device for which the split-settlement cannot be performed, a notification of a state in which the settlement cannot be performed and a reason for which the settlement cannot be performed, The step of performing the split-settlement includes: The step of generating a single settlement information for the split-settlement; The step of, by the settlement service server, based on the split-settlement information, (i) withdrawing, from each of the electronic device and the at least one other electronic device, a corresponding split-settlement amount to the settlement service server or (ii) requesting, from each of the electronic device and the at least one other electronic device, a split-settlement amount to complete the split-settlement; and The step of generating settlement approval information for the single settlement information, wherein only one single settlement is performed with respect to the electronic device according to the single settlement information, and a settlement detail of the split-settlement between the settlement service server and each of the at least one other electronic device is respectively generated.

7. A settlement system supporting a split settlement, characterized by, The system includes: an electronic device generating split-settlement information to perform a split-settlement of a single settlement amount with at least one other electronic device; and a settlement service server, in response to receiving a settlement request from the electronic device, confirming whether the received settlement request is a split-settlement request, in the case of the split-settlement request, confirming whether the requested split-settlement can be performed, when the split-settlement can be performed, based on the split-settlement information, performing the requested split-settlement, when the split-settlement is completed, transmitting, to the electronic device and the at least one other electronic device, a notification of the completion of the split-settlement, when the split-settlement cannot be performed, the settlement service server notifying the electronic device that the split-settlement cannot be performed, and transmitting, to at least one electronic device for which the split-settlement cannot be performed, a notification of a state in which the settlement cannot be performed and a reason for which the settlement cannot be performed, The settlement service server also generates a single settlement information for the split-settlement, and by the settlement service server, based on the split-settlement information, (i) withdrawing, from each of the electronic device and the at least one other electronic device, a corresponding split-settlement amount to the settlement service server or (ii) requesting, from each of the electronic device and the at least one other electronic device, a corresponding split-settlement amount to complete the split-settlement, and generates settlement approval information for the single settlement information, wherein only one single settlement is performed with respect to the electronic device according to the single settlement information, and a settlement detail of the split-settlement between the settlement service server and each of the at least one other electronic device is respectively generated.

8. The system of claim 7, wherein, The electronic device invites the at least one other electronic device to perform the split-settlement to generate a split-settlement group, and sets a settlement ratio or a settlement amount for each group member included in the split-settlement group to generate the split-settlement information.

9. The system of claim 8, wherein, The electronic device queries the at least one other electronic device whether to approve the split-settlement information, and determines the split-settlement information when the at least one other electronic device approves the split-settlement information.

10. The system of claim 9, wherein, The at least one other electronic device requests the electronic device to adjust the settlement ratio or the settlement amount.

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