Payment system supporting installment payments and method for executing installment payments

Abstract

To provide a payment system and an installment payment method for efficiently executing installment payments to improve user convenience. [Solution] The method includes the steps of: a user terminal 101 generating split payment information for splitting a single payment amount to settle with at least one other user terminal 102-103; transmitting the split payment information to a payment service server 300 that provides payment services; a payment service server receiving a payment request; a step by the payment service server checking whether the received payment request is a split payment request; if it is a split payment request, the payment service server checking whether split payment is possible; and if split payment is possible, the payment service server executing the split payment based on the split payment information, and when the split payment is completed, the payment service server transmitting a notification regarding the completion of the split payment to the user terminal and at least one other user terminal, respectively.

Description

[Technical field]

[0001] The present invention relates to a payment system that supports installment payments and a method for executing the installment payments. [Background technology]

[0002] In the case of gatherings (for example, clubs, alumni reunions, reunions, social gatherings, etc.), it is common for multiple people attending the gathering to pool money to pay for the expenses of the gathering. Recently, the culture of splitting the bill (Dutch pay or Dutch treat) has become widespread among office workers. For example, cash can be collected from everyone in the gathering before the payment, or one person in the gathering can pay with their own credit card (or cash, check card, etc.) and then bill the others individually.

[0003] However, this method may cause inconvenience to users. For example, as the use of credit cards has become commonplace, many people do not carry cash, making it difficult to collect cash. On the other hand, the payer must provide his / her bank account information in order to later bill others individually, and must prompt those who have not yet paid the fee to do so.

[0004] Meanwhile, card terminals (e.g., POS machines) that support installment payments are available. For example, a portion of the total payment amount to be paid in installments can be entered into the card terminal, and the user can pay that amount by presenting their card. However, this method has the inconvenience that a payment must be made as many times as the number of installments. For example, when paying for a meal for four users in installments, each of the four users must pay. Therefore, installment payments using card terminals have the problem of taking a long time to complete the entire payment.

[0005] Therefore, there is a need for a method of installment payment that can solve the above problems and / or inconveniences. Summary of the Invention [Problem to be solved by the invention]

[0006] In order to solve the above-mentioned problems, the object of the present invention is to provide a payment system that supports installment payments, which, when an installment payment is requested by a representative's electronic device, can check whether installment payment is possible based on installment payment information and make the installment payment, and a method for executing the installment payment.

[0007] Another object of the present invention is to provide a payment system that supports installment payments, which can check whether installment payments are possible based on installment payment information, and if installment payment is not possible, can notify the user of the reason why payment is not possible, and a method for executing such installment payments.

[0008] The technical problems of the present invention are not limited to those mentioned above, and other problems not mentioned will be clearly understood by those skilled in the art from the following description. [Means for solving the problem]

[0009] A method for performing a split payment in a payment system according to one embodiment of the present invention includes the steps of: an electronic device generating split payment information for splitting a single payment amount with at least one other electronic device; the electronic device transmitting the split payment information to a payment service server providing a payment service; the payment service server receiving a payment request; the payment service server confirming whether the received payment request is a split payment request; if the split payment request is a split payment request, the payment service server confirming whether split payment is possible; and if split payment is possible, the payment service server performing the split payment based on the split payment information, and when the split payment is completed, the payment service server transmitting a notification regarding the completion of the split payment to each of the electronic device and the at least one other electronic device.

[0010] The method may further include a step in which, if the installment payment is not possible, the payment service server notifies the electronic device of the impossibility of the installment payment and transmits a notification regarding the payment impossibility and a reason for the impossibility to at least one electronic device in which the installment payment is not possible.

[0011] The method may further include a step of the electronic device inviting the at least one other electronic device to perform the split payment to generate a split payment group, and the step of generating the split payment information may include a step of respectively setting a payment ratio or a payment amount for each group member included in the split payment group.

[0012] The step of generating the installment payment information may include a step of the electronic device confirming with the at least one other electronic device whether the installment payment information is approved, and a step of confirming the installment payment information if the at least one other electronic device as a whole approves the installment payment.

[0013] The method may further include the step of the at least one other electronic device requesting an adjustment of the payment ratio or the payment amount from the electronic device.

[0014] The step of executing the split payment may include the steps of generating single payment information regarding the split payment, withdrawing or requesting the payment amount from each electronic device based on the split payment information to complete the split payment, and generating payment approval information for the single payment information.

[0015] The step of executing the installment payment may include a step of generating sub-payment information for each electronic device based on the installment payment information, and a step of withdrawing or requesting a payment amount corresponding to the sub-payment information from each electronic device to complete the installment payment, and generating payment approval information for each of the sub-payment information.

[0016] A method for performing a split payment in a payment system according to one embodiment of the present invention includes the steps of: an electronic device generating split payment information for splitting a single payment amount with at least one other electronic device; the electronic device transmitting the split payment information to a payment service server providing a payment service; a payment terminal receiving a payment request; the payment terminal transmitting the payment request to the payment service server; the payment service server confirming whether the payment request is a split payment request; if the payment request is a split payment request, the payment service server confirming whether the split payment is possible; if the split payment is possible, the payment service server executing the split payment based on the split payment information, and when the split payment is completed, the payment service server transmitting a notification regarding the completion of the split payment to each of the electronic device and the at least one other electronic device; if the split payment is not possible, the payment service server notifying the electronic device that the split payment is not possible, and transmitting a notification regarding the payment impossibility and the reason for the impossibility to the at least one electronic device for which the split payment is not possible.

[0017] A method for executing a split payment in a payment system according to one embodiment of the present invention includes the steps of: an electronic device generating split payment information for splitting a single payment amount with at least one other electronic device; the electronic device transmitting the split payment information to a payment service server providing a payment service; in response to receiving the split payment information, the payment service server checking whether or not a split payment is possible; if the split payment is possible, the payment service server notifying the electronic device of the execution of the split payment; the payment service server receiving a payment request; the payment service server checking whether the received payment request is a split payment request; if it is a split payment request, the payment service server executing the split payment based on the split payment information; and, when the split payment is completed, the payment service server transmitting a notification regarding the completion of the split payment to the electronic device and the at least one other electronic device, respectively.

[0018] A payment system supporting installment payments according to one embodiment of the present invention may include an electronic device that generates installment payment information for splitting a single payment amount with at least one other electronic device, and a payment service server that, in response to receiving a payment request from the electronic device, checks whether the received payment request is a installment payment request, and if it is, checks whether the requested installment payment is possible, and if the installment payment is possible, carries out the requested installment payment based on the installment payment information, and when the installment payment is completed, transmits a notification regarding the completion of the installment payment to the electronic device and the at least one other electronic device, respectively.

[0019] If the installment payment is not possible, the payment service server may notify the electronic device of the impossibility of the installment payment and transmit a notification regarding the payment impossibility and the reason for the impossibility to at least one electronic device for which the installment payment is not possible.

[0020] The electronic device can invite the at least one other electronic device to perform the split payment to generate a split payment group, and can generate the split payment information by setting a payment ratio or a payment amount for each group member included in the split payment group.

[0021] The electronic device can inquire of the at least one other electronic device whether the installment payment information is approved, and if the at least one other electronic device as a whole approves the installment payment, the installment payment information can be confirmed.

[0022] The at least one other electronic device may request the electronic device to adjust the payment ratio or the payment amount.

[0023] The payment service server can generate a single payment information regarding the installment payment, withdraw or request the payment amount from each electronic device based on the installment payment information to complete the installment payment, and generate payment approval information for the single payment information.

[0024] The payment service server can generate sub-payment information for each electronic device based on the split payment information, withdraw or request the payment amount corresponding to the sub-payment information from each electronic device to complete the split payment, and generate payment approval information for each of the sub-payment information. Effect of the Invention

[0025] According to an embodiment of the present invention, it is possible to efficiently execute split payments and improve user convenience. For example, the present invention can check whether split payments are possible based on split payment information, and if split payments are impossible, can notify the user of the reason why the split payment is impossible and can guide the user to quickly resolve the reason, thereby smoothly progressing with split payments. In addition, the present invention can generate payment approval information for each split payment group member, and can cancel split payments or easily change payment cards.

[0026] The effects of the present invention are not limited to those mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the description of the claims. [Brief description of the drawings]

[0027] [Figure 1] FIG. 1 is a diagram showing the configuration of a payment system according to one embodiment of the present invention. [Diagram 2] FIG. 2 is a flowchart showing a method for executing an installment payment in a payment system according to one embodiment of the present invention. [Diagram 3] FIG. 3 is a flowchart showing a method for executing an installment payment in a payment system according to another embodiment of the present invention. [Figure 4a] FIG. 4a is a diagram for explaining a method for generating payment approval information according to an embodiment of the present invention. [Figure 4b] FIG. 4b is a diagram for explaining a method for generating payment approval information according to another embodiment of the present invention. [Figure 5a] 5a to 5c are diagrams illustrating examples of split payment group generation screens according to one embodiment of the present invention. [Figure 5b] 5a to 5c are diagrams illustrating examples of split payment group generation screens according to one embodiment of the present invention. [Figure 5c] 5a to 5c are diagrams illustrating examples of split payment group generation screens according to one embodiment of the present invention. [Figure 5d] 5d to 5g are views showing examples of installment payment amount setting screens according to one embodiment of the present invention. [Figure 5e] 5d to 5g are views showing examples of installment payment amount setting screens according to one embodiment of the present invention. [Figure 5f] 5d to 5g are views showing examples of installment payment amount setting screens according to one embodiment of the present invention. [Figure 5g] 5d to 5g are views showing examples of installment payment amount setting screens according to one embodiment of the present invention. [Figure 5h]5h and 5i are exemplary diagrams illustrating a notification screen of installment payment details according to an embodiment of the present invention. [Figure 5i] 5h and 5i are exemplary diagrams illustrating a notification screen of installment payment details according to an embodiment of the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0028] Hereinafter, a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings. Advantages and features of the present invention, and methods for achieving them, will become clear from the following detailed examples in conjunction with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, and may be realized in various different forms. The embodiments are provided merely to complete the disclosure of the present invention and to fully inform those skilled in the art of the present invention of the scope of the present invention, and the present invention is defined only by the scope of the claims. Hereinafter, the same reference numerals refer to the same components.

[0029] Although "first", "second", etc. are used to describe various elements, components, and / or sections, it is of course not intended that these elements, components, and / or sections be limited by these terms. These terms are merely used to distinguish one element, component, or section from another element, component, or section. Therefore, it is of course possible for a first element, first component, or first section referred to below to be a second element, second component, or second section within the technical spirit of the present invention.

[0030] The terms used in this specification are for the purpose of describing the embodiments and are not intended to limit the present invention. In this specification, the singular form includes the plural form unless otherwise specified in the text. As used in this specification, "comprises" and / or "made of" do not exclude the presence or addition of one or more other components, steps, operations and / or elements in addition to the components, steps, operations and / or elements mentioned.

[0031] Unless otherwise specified, all terms (including technical and scientific terms) used in this specification can be used in a commonly understood sense by those having ordinary skill in the art to which the present invention belongs. Furthermore, terms defined in commonly used dictionaries are not to be interpreted ideally or excessively unless clearly and specifically defined.

[0032] FIG. 1 is a diagram showing the configuration of a payment system according to one embodiment of the present invention.

[0033] 1, a payment system 1000 according to an embodiment of the present invention can support a division payment (e.g., split payment) service in which a single payment amount is divided and paid by multiple users in addition to a general payment. The system 1000 can include a user terminal (e.g., electronic device) 100, a payment terminal 200, and a payment service server 300.

[0034] The user terminal 100 may be an electronic device (e.g., a smartphone, a smart watch, etc.) that includes an on / offline payment function. The user terminal 100 may include an application (e.g., an electronic wallet, a mobile card, etc.) that manages and controls the payment function.

[0035] The user terminal 100 may be a terminal of a group member (or constituent) of a group (or organization) for split payment. That is, the user terminal 100 may include a plurality of user terminals 101, 102, 103. The user terminal 100 may support split payment during payment services. For example, one of the plurality of user terminals 101, 102, 103 (e.g., the first user terminal 101) may invite at least one other user terminal (e.g., the second user terminal 102 to the Nth user terminal 103) as a representative terminal to generate a split payment group. After generating the split payment group, the first user terminal 101 may generate split payment information and perform split payment. The detailed operation of the user terminal 100 for the split payment will be described later with reference to FIG. 2 and FIG. 3.

[0036] The payment terminal 200 can receive a payment request (e.g., a request for general payment or installment payment) from the first user terminal 101, transmit it to the payment service server 300, and receive a payment approval or failure message from the payment service server 300. The payment terminal 200 can be a card terminal (e.g., a POS device) installed in an offline store (e.g., an affiliated store). Alternatively, the payment terminal 200 can be payment software (e.g., a payment application) for online payment.

[0037] The payment service server 300 can support a payment service of the user terminal 100. The payment service server 300 may be a server of a third party that provides a payment service using a card company's network. For example, the payment service server 300 is connected to the user terminal 100 and the payment terminal 200 via a network including a card company's network, the Internet, an intranet, a wired / wireless communication network, a mobile communication network, etc., and can receive a payment request from the first user terminal 101 via the payment terminal 200 and process the received payment request. In addition, the payment service server 300 can store information of the service subscriber (e.g., information on at least one payment card held by the subscriber, information on a charging account, etc.) in a database.

[0038] The payment service server 300 according to an embodiment can support split payment. For example, the payment service server 300 can receive split payment information (e.g., group members, total payment amount, split payment amount for each group member, payment method for each group member, etc.) from the first user terminal 101 and check whether split payment is possible based on the split payment information. If split payment is possible, the payment service server 300 can execute split payment by withdrawing (or requesting) the payment amount for each group member and notify the group members of the completion of the split payment (e.g., transmit the split payment details as a message to the terminal of each group member).

[0039] Meanwhile, if installment payment is not possible, the payment service server 300 may notify the first user terminal 101 that installment payment is not possible. At this time, the payment service server 300 may notify the group members who are unable to make the payment and / or the reason for the impossibility. Furthermore, the payment service server 300 may transmit the reason for the impossibility of payment (e.g., insufficient balance, exceeding limit) to the terminal of the group member who is unable to make the installment payment to guide the member to resolve the reason. The detailed operation of the payment service server 300 for the installment payment described above will be described later with reference to FIG. 2 and FIG. 3.

[0040] Meanwhile, although not shown in the figure, the payment service server 300 can also provide a payment service in cooperation with a card company. For example, the payment service server 300 can store card information of other card companies by various known methods and bill the card company for the installment payment amount using the stored card information. Furthermore, when an installment payment is requested, the payment service server 300 can inquire of the card company whether the installment payment amount can be paid and receive the result.

[0041] FIG. 2 is a flowchart showing a method for executing an installment payment in a payment system according to one embodiment of the present invention.

[0042] Referring to FIG. 2, in a method for performing a split payment in a payment system according to an embodiment of the present invention (hereinafter, "split payment method"), split payment information can be generated in step S201. For example, an electronic device (e.g., the first user terminal 101) can generate split payment information for splitting a single payment with at least one other electronic device (e.g., the second user terminal 102 to the Nth user terminal 103). The split payment information can include group members for split payment, the total payment amount, and the split payment amount (or ratio) for each group member. Specifically, a user of an electronic device can select one of the pre-set groups or invite at least one other electronic device to generate a split payment group, and set a payment amount or a payment ratio for each group member with respect to the total payment amount to generate split payment information. Details of this will be described later with reference to FIG. 5a and FIG. 5b.

[0043] In step S203, the split payment method may transmit split payment information to the payment service server 300. For example, the electronic device may transmit the split payment information to the payment service server 300 using a wired or wireless communication network. As another example, the electronic device may transmit the split payment information to the payment service server 300 via the payment terminal 200.

[0044] In the installment payment method, in steps S205 and S206, a user of an electronic device can use the electronic device to request a payment from the payment service server 300 via the payment terminal 200. For example, if the payment terminal 200 is a POS device, the POS device can transmit a payment request to the payment service server 300 when the user of the electronic device touches (or approaches within a certain distance from) the POS device. As another example, if the payment terminal 200 is a payment application, the payment application can transmit a payment request to the payment service server 300 when a payment button is activated (e.g., clicked) on a payment screen. The payment request can include a total payment amount and identification information (e.g., card number).

[0045] In step S207, the split payment method can confirm whether the requested payment is a split payment request. For example, the payment service server 300 can confirm whether the requested payment is a split payment request based on split payment information. For example, after receiving split payment information from an electronic device, the payment service server 300 can determine that the payment request received from the electronic device is a split payment request.

[0046] If the requested payment is not a split payment request, the split payment method can proceed with a normal payment in step S208. On the other hand, if the requested payment is a split payment request, the split payment method can check whether split payment is possible in step S209. For example, the payment service server 300 can check whether split payment is possible based on the received split payment information. For example, if the payment method of a group member is a prepaid charge card (or account), the payment service server 300 can check whether the balance is equal to or greater than the split payment amount, and if the payment method is a credit card, the payment service server 300 can check whether the available balance is equal to or greater than the split payment amount.

[0047] If the check result of step S209 indicates that the installment payment is not possible, the installment payment method allows the payment service server 300 to notify the payment terminal 200 that the payment is not possible in step S211. Also, in the installment payment method, the payment service server 300 can notify the electronic device that the payment is not possible in step S213. At this time, the payment service server 300 can notify (transmit) both the group member who is unable to make the payment and the reason for the impossibility. Also, in the installment payment method, in step S215, the payment service server 300 can transmit the reason for the impossibility to the terminal of the group member who is unable to make the payment. By using steps S213 and S215, the group member can quickly resolve the situation in which the installment payment is not possible (for example, by charging a prepaid charge card (or account), increasing the credit limit of a credit card, requesting an adjustment of the installment amount (or ratio), changing the payment card (or account), etc.), thereby improving the convenience of the installment payment.

[0048] According to another embodiment, the payment service server 300 may transmit information on at least one card that can be used for payment among cards held by the group member who cannot make a payment when transmitting the reason for non-payment. According to another embodiment, if a group member sets up automatic charging, the payment service server 300 may automatically charge a payment card with insufficient balance and transmit an automatic charging message to the terminal of the group member notifying the automatic charging of the card.

[0049] On the other hand, if the check in step S209 shows that split payment is possible (or if all reasons for payment impossibility are resolved after step S215), the split payment method can execute split payment based on the split payment information in step S221. For example, the payment service server 300 can withdraw (or request) the payment amount for each group member based on the split payment information. The split payment method can generate payment approval information in step S223. At this time, the payment service server 300 can generate payment approval information for each group member. Details of this will be described later with reference to FIG. 4a. As another example, the payment service server 300 can generate only one payment approval information for the total amount even if the payment amount is withdrawn for each group member. Details of this will be described later with reference to FIG. 4b.

[0050] The split payment method may transmit a notification in step S225. For example, the payment service server 300 may transmit first notification information (e.g., payment approval) to the payment terminal 200, transmit second notification information (e.g., split payment approval details) to the electronic device, and transmit third notification information (e.g., split payment approval details) to at least one other electronic device. Details of this will be described later with reference to FIG. 5c.

[0051] Meanwhile, although not shown, when checking whether or not installment payment is possible in step S209, the payment service server 300 can check whether or not installment payment is possible by comparing the total payment amount transmitted from the payment terminal 200 with the total payment amount included in the installment payment information received from the electronic device. This is to prevent payment errors caused by the user of the electronic device inputting an incorrect total payment amount when generating the installment payment information.

[0052] FIG. 3 is a flowchart showing a method for executing an installment payment in a payment system according to another embodiment of the present invention.

[0053] Referring to Fig. 3, a method for executing an installment payment in a payment system according to another embodiment of the present invention (hereinafter, "installment payment method") is similar to the installment payment method of Fig. 2. However, in the installment payment method of Fig. 3, the payment service server 300 can check whether installment payment is possible before the user of the electronic device actually requests installment payment from the payment terminal 200 using the electronic device.

[0054] The split payment method can generate split payment information in step S301. The split payment method can transmit split payment information to the payment service server 300 in step S303. The split payment method can check whether split payment is possible in step S305. Steps S301, S303, and S305 are similar to steps S201, S203, and S209 in Fig. 2, respectively, and detailed description thereof will be omitted.

[0055] If the check result in step S305 indicates that the installment payment is not possible, the installment payment method may have the payment service server 300 notify the electronic device that the installment payment is not possible in step S311, and transmit the reason for the impossibility to the terminal of the group member who is unable to make the payment in step S313. The steps S311 and S313 are similar to steps S213 and S215 in Fig. 2, respectively, and therefore will not be described in detail.

[0056] On the other hand, if it is determined in step S305 that payment in installments is possible, in step S315, the payment service server 300 can notify the electronic device of the execution of payment in installments.

[0057] In the installment payment method, in steps S317 and S318, a user of an electronic device can use the electronic device to request payment from the payment service server 300 via the payment terminal 200. Steps S317 and S318 are similar to steps S205 and S206 in Fig. 2, respectively, and therefore will not be described in detail.

[0058] The split payment method may check whether the requested payment is a split payment request in step S319. If the requested payment is not a split payment request, the split payment method may proceed with a general payment in step S320. On the other hand, if the requested payment is a split payment request, the split payment method may cause the payment service server 300 to perform a split payment based on split payment information in step S321, generate payment approval information in step S323, and transmit a notification in step S325. The above steps S319, S320, S321, S323, and S325 are similar to steps S207, S208, S221, S223, and S225 in FIG. 2, respectively, and therefore will not be described in detail.

[0059] 2 and 3 illustrate the use of the first user terminal 101 to request payment in installments, but the present invention is not limited thereto. According to another example, the present invention also allows the user to request payment in installments by contacting (or approaching within a certain distance from) a physical card (e.g., a credit card, a prepaid charge card, etc.) to the payment terminal 200 instead of the first user terminal 101 after generating payment in installments information.

[0060] In addition, although the split payment information is generated each time for split payment, the present invention is not limited to this. According to another example, the present invention is set to proceed with all payments as split payments during a group travel period (e.g., one week, one month, or a specified date), and during that period, split payments can be made based on split payment information generated and stored in advance, without having to generate split payment information for each payment.

[0061] FIG. 4a is a diagram for explaining a method of generating payment approval information according to one embodiment of the present invention, and FIG. 4b is a diagram for explaining a method of generating payment approval information according to another embodiment of the present invention.

[0062] 4a and 4b, a payment service server according to an embodiment of the present invention may generate payment approval information for a split payment. For example, as shown in FIG. 4a, when split payment of a single payment is requested (S401), the payment service server may generate sub-payment information for each split payment based on the split payment information (S402-1, S402-2), withdraw (or request) (S403-1, S403-2) an amount equivalent to the generated sub-payment information (S402-1, S402-2) from each electronic device to complete the split payment (S404-1, S404-2), and generate payment approval information for each of the sub-payment information. In this way, when sub-payment information is generated for each group member, if a specific group member wants to cancel his / her own payment (or change his / her payment card (or method)), he / she can cancel only the sub-payment without canceling the entire payment and making a repayment, which improves convenience for affiliated stores and users.

[0063] As another example, as shown in Fig. 4b, when a split payment of a single payment is requested (S411), the payment service server generates single payment information for the split payment (S412), and based on the split payment information, withdraws (or requests) the split payment amount from the electronic device and at least one other electronic device (S413-1, S413-2), respectively, to complete the split payment (S414), and generates payment approval information for the single payment information. That is, although the case of Fig. 4b is a split payment, it can be processed as a single payment from the perspective of the payment terminal 200.

[0064] Figures 5a to 5c are exemplary diagrams of a screen for generating a split payment group according to one embodiment of the present invention. Figures 5d to 5g are exemplary diagrams of a screen for setting a split payment amount according to one embodiment of the present invention. Figures 5h and 5i are exemplary diagrams of a screen for notifying a split payment breakdown according to one embodiment of the present invention.

[0065] 5a to 5i, an electronic device (e.g., a first user terminal) according to an embodiment of the present invention may display a payment group list screen as shown in the figure with reference numeral

[0510] when an installment payment menu is executed in a payment service app. The figure with reference numeral

[0510] shows an example where there is no pre-created payment group.

[0066] When a create menu 501 for creating a payment group is selected (e.g., touched) on the payment group list screen, the electronic device can display a payment group creation screen as shown in the figure with reference numeral

[0520] . The payment group creation screen can 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., whether it is a one-time group or a group that can be used multiple times), and a participant list field 523 for displaying a group member list. In this case, the participant list field 523 can basically include a user of the electronic device (e.g., participant A(me)).

[0067] When an invitation menu 502 for inviting group members is selected (e.g., touched) on the payment group creation screen, the electronic device can display an invitation screen as shown in the figure with reference numeral

[0530] . The invitation screen can include at least one group member field 531 including the name and contact information (e.g., phone number) of the group member. For example, the user of the electronic device can add a group member (e.g., participant B) by directly inputting the name and contact information of the user to be invited into 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 from pre-stored contact information.

[0068] Meanwhile, the invitation screen may include an add menu 503 for adding a group member. When the add menu 503 is selected (e.g., touched), the electronic device may add a group member field 532 as shown in the diagram of reference numeral

[0540] . At this time, the user of the electronic device may add a group member (e.g., participant C) to the added group member field 532.

[0069] When a confirmation menu 504 to complete the group setting is selected (e.g., touched) on the invitation screen, the electronic device may display a payment group creation screen in which group members for installment payment (e.g., Participant B, Participant C) have been added to the invitation list 523, as shown in the figure with reference numeral

[0550] .

[0070] When the confirmation menu 505 is selected (e.g., touched) on the payment group creation screen, the electronic device can display a payment group list screen to which the created payment group (e.g., payment group 1) is added, as shown in the figure with reference numeral

[0560] . The payment group list screen with reference numeral

[0560] can display the created payment group in the form of a card (hereinafter, "payment group card") 561. The payment group card 561 can include an on / off menu 506 for activating or deactivating the card, a delete menu 507 for deleting the card, a name change menu 508 for changing the name of the payment group, and a usage history menu 509 for checking the usage history of the payment group.

[0071] On the other hand, when the confirmation menu 505 is selected (e.g., touched) on the payment group creation screen, the electronic device can transmit an invitation message to group members (e.g., participant B, participant C) included in the payment group. In this case, other electronic devices (e.g., participant C's electronic device) receiving the invitation message from the electronic device can display a pop-up message 562 as shown in the figure with reference numeral

[0565] .

[0072] When the payment group card 561 is selected on the payment group list screen of reference numeral

[0560] , the electronic device can display a payment amount setting screen for setting the payment amount for each group member, as shown in the figure of reference numeral

[0570] . The payment amount setting screen can include amount setting fields 571, 572, and 573 for setting the installment payment amount of each group member, and a representative change menu 574 for changing the representative who sets the installment payment information. At this time, the electronic device can activate only the amount setting fields of the group members who accepted the invitation on the payment amount setting screen. For example, as shown in the figure of reference numeral

[0570] , the electronic device can activate and display only the amount setting field 571 of itself (e.g., Participant A) and inactivate the amount setting fields 572 and 573 of the invited group members (e.g., Participant B and Participant C) when no acceptance message is received from the electronic devices of the invited group members (e.g., Participant B and Participant C).

[0073] Meanwhile, when the pop-up message 562 shown in the figure of reference number

[0565] is selected, the other electronic device may display a split payment group list screen including an invitation card 576 displaying detailed information of the invitation message as shown in the figure of reference number

[0575] . The invitation card 576 may include a reject menu 511 for the invitation and an accept menu 512. When the reject menu 511 is selected, the other electronic device may transmit a reject message for the invitation to the electronic device and delete the invitation card 576. Meanwhile, when the accept menu 512 is selected, the other electronic device may transmit an accept message to the electronic device and change the invitation card 576 to a payment group card 578 as shown in the figure of reference number

[0577] . The payment group card 578 may include a withdrawal menu 513 for withdrawing from the payment group and a usage details menu 514 for checking the payment details. On the other hand, the acceptance message may include payment method information if a group member has not specified a basic payment method for payment (e.g., credit card, prepaid charge card, account, etc.) or if a group member requests a change in the payment method.

[0074] Meanwhile, when acceptance messages are 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 of the group member who accepted the invitation (e.g., participant C) on the payment amount setting screen as shown in the figure of reference numeral

[0580] . The user of the electronic device can set the payment ratio for each group member using the bar in the amount setting field. For example, the user of the electronic device can set the payment ratio so that participant A (me) pays 80% and participant C pays 20%. When the setting of the payment ratios of the group members is completed, the electronic device can transmit the set payment ratios to the electronic devices of the group members.

[0075] After receiving the payment ratio from the electronic device, when the payment group card 578 in the figure shown in reference number

[0577] is selected, the other electronic device (e.g., the electronic device of participant C) can display a payment amount setting screen as shown in the figure shown in reference number

[0585] . The payment amount setting screen of reference number

[0585] may be the same as the payment amount setting screen of the electronic device shown in the figure shown in reference number

[0580] . Meanwhile, the figure shown in reference number

[0585] shows that the amount setting field is activated so that the user of the other electronic device (e.g., participant C) can change the payment ratio in installments. That is, the user of the other electronic device (e.g., participant C) can change the payment ratio using the amount setting field. At this time, the other electronic device can transmit the changed payment ratio to the electronic device. That is, the final payment ratio can be determined by the consultation between the group members as described above. According to another example, the other electronic device can display the amount setting field in an inactive state so that the user of the other electronic device cannot change the payment ratio in installments set by the user of the electronic device. In this case, the other electronic device may transmit the decision of the user of the other electronic device regarding whether or not to approve the payment ratio to the electronic device. According to another example, the user of the electronic device may set the payment ratio of the other electronic device to be changeable or unchangeable when generating the payment in installments.

[0076] When the generation of the split payment information is completed by the above-mentioned procedure, the electronic device can request split payment to the payment service server 300 via the payment terminal 200. In response to the split payment request, the payment service server 300 checks whether split payment is possible, and if split payment is possible, can proceed with the split payment. When the split payment is completed, the payment service server 300 can generate a split payment approval detail and transmit the generated split payment approval detail to the electronic device and other electronic devices. For example, the payment service server 300 can generate a first split payment approval detail 591 related to the electronic device and a second split payment approval detail 592 related to the other electronic device (e.g., the electronic device of participant C) as shown in the figure with reference numerals [590-1] and [590-2].

[0077] An electronic device that receives the first installment payment approval details 591 can display a first popup message 593 on one side of the display as shown in the figure with reference numeral [595-1]. Similarly, another electronic device that receives the second installment payment approval details 592 can display a second popup message 594 on one side of the display as shown in the figure with reference numeral [595-2].

[0078] While the above describes the setting of a payment ratio, in another embodiment, the user of the electronic device may input an installment payment amount for each group member instead of a payment ratio. In this case, the electronic device may display the total of the input installment payment amounts. The user of the electronic device may check whether the displayed total amount matches the actual total payment amount.

[0079] As another example, the electronic device may obtain a total payment amount from the user or the payment terminal 200 and compare the obtained total payment amount with the total of the installment payment amounts entered via the amount setting field.

[0080] As another example, the electronic device user may input a payment installment amount for each group member by combining a payment ratio and a payment amount. For example, the electronic device user may input a payment installment amount for at least one group member and set a payment ratio for the remaining group members, so that the remaining group members pay the remaining amount according to the payment ratio.

[0081] Although the present invention has been described above with reference to the illustrated embodiments, these embodiments are merely illustrative, and it should be apparent to those skilled in the art to which the present invention pertains that various modifications, changes, and equivalent embodiments of the above-described embodiments are possible without departing from the spirit and scope of the present invention. Therefore, the technical scope of the present invention should be determined by the technical ideas of the appended claims.

Claims

1. 1. A method for effecting installment payments in a payment system, comprising: generating, by the electronic device, split payment information for splitting a single payment amount with at least one other electronic device; The electronic device transmits the divided payment information to a payment service server that provides a payment service; The payment service server receives a payment request; The payment service server confirms whether the received payment request is a split payment request; If the payment is a request for installment payment, the payment service server confirms whether or not the payment can be made in installments; If the split payment is possible, the payment service server executes the split payment based on the split payment information, and when the split payment is completed, the payment service server transmits a notification regarding the completion of the split payment to the electronic device and the at least one other electronic device, respectively; If the payment by installments is not possible, the payment service server notifies the electronic device of the impossibility of the payment by installments, and further includes a step of transmitting a notice regarding the payment impossibility and a reason for the impossibility to at least one electronic device for which the payment by installments is not possible; In the step of executing the installment payment, Execute installment payments for a certain period of time based on the installment payment information previously generated and stored in the step of generating installment payment information; The step of executing the installment payment includes: generating a single payment information relating to the split payment; and completing the split payment by withdrawing or requesting the payment amount from each electronic device based on the split payment information, and generating payment approval information for the single payment information.

2. The electronic device further includes inviting the at least one other electronic device to perform the split payment to form a split payment group; The step of generating installment payment information includes: The method according to claim 1, further comprising the step of setting a settlement ratio or a settlement amount for each group member included in the split settlement group.

3. The step of generating installment payment information includes: The electronic device confirms with the at least one other electronic device whether or not the divided payment information is approved; and determining said split payment information if said at least one other electronic device as a whole approves said split payment.

4. 4. The method of claim 3, further comprising the step of the at least one other electronic device requesting an adjustment of the payment ratio or the payment amount from the electronic device.

5. 1. A method for effecting installment payments in a payment system, comprising: generating, by the electronic device, split payment information for splitting a single payment amount with at least one other electronic device; The electronic device transmits the divided payment information to a payment service server that provides a payment service; receiving a payment request at a payment terminal; The payment terminal transmits the payment request to the payment service server; The payment service server confirms whether the payment request is a split payment request; If the payment is a request for installment payment, the payment service server confirms whether or not the payment can be made in installments; If the split payment is possible, the payment service server executes the split payment based on the split payment information, and when the split payment is completed, the payment service server transmits a notification regarding the completion of the split payment to the electronic device and the at least one other electronic device, respectively; If the installment payment is not possible, the payment service server notifies the electronic device of the impossibility of the installment payment, and transmits a notice regarding the payment impossibility and a reason for the impossibility to at least one electronic device for which the installment payment is not possible; When the installment payment is possible, the payment service server executes the installment payment based on the installment payment information, generating a single payment information relating to the split payment; and completing the split payment by withdrawing or requesting the payment amount from each electronic device based on the split payment information, and generating payment approval information for the single payment information; A method for executing installment payments for a certain period of time based on the installment payment information generated and stored in advance in the step of generating installment payment information.

6. 1. A method for effecting installment payments in a payment system, comprising: generating, by the electronic device, split payment information for splitting a single payment amount with at least one other electronic device; The electronic device transmits the divided payment information to a payment service server that provides a payment service; In response to receiving the split payment information, the payment service server confirms whether or not split payment is possible; If the installment payment is possible, the payment service server notifies the electronic device of the execution of the installment payment; The payment service server receives a payment request; The payment service server confirms whether the received payment request is a split payment request; If the payment is a split payment request, the payment service server executes the split payment based on the split payment information; and when the partial payment is completed, the payment service server transmits a notification regarding the completion of the partial payment to the electronic device and the at least one other electronic device, respectively; If the payment by installments is not possible, the payment service server notifies the electronic device of the impossibility of the payment by installments, and further includes a step of transmitting a notice regarding the payment impossibility and a reason for the impossibility to at least one electronic device for which the payment by installments is not possible; In the step of executing the installment payment, Execute installment payments for a certain period of time based on the installment payment information previously generated and stored in the step of generating installment payment information; The step of executing the installment payment includes: generating a single payment information relating to the split payment; and completing the split payment by withdrawing or requesting the payment amount from each electronic device based on the split payment information, and generating payment approval information for the single payment information.

7. In a payment system that supports installment payments, an electronic device that generates split payment information for splitting a single payment amount with at least one other electronic device; a payment service server that, in response to receiving a payment request from the electronic device, checks whether the received payment request is a split payment request, and if it is, checks whether the requested split payment is possible, and if the split payment is possible, executes the requested split payment based on the split payment information, and when the split payment is completed, transmits a notification regarding the completion of the split payment to the electronic device and the at least one other electronic device, respectively; The payment service server, If the installment payment is impossible, notify the electronic device of the impossibility of the installment payment, and transmit a notice regarding the impossibility of the payment and a reason for the impossibility to at least one electronic device for which the installment payment is impossible; The payment service server also executes installment payments for a certain period of time based on the installment payment information previously generated and stored in the electronic device; A system characterized by generating a single payment information for the split payment, withdrawing or requesting the payment amount from each electronic device based on the split payment information to complete the split payment, and generating payment approval information for the single payment information.

8. The electronic device comprises: The system described in claim 7, characterized in that a split payment group is generated by inviting at least one other electronic device to perform the split payment, and the split payment information is generated by setting a payment ratio or payment amount for each group member included in the split payment group.

9. The electronic device comprises: The system described in claim 8, characterized in that the at least one other electronic device is inquired about whether or not the split payment information is approved, and if the at least one other electronic device as a whole approves the split payment, the split payment information is confirmed.

10. The at least one other electronic device 10. The system of claim 9, further comprising: a request to the electronic device to adjust the payment ratio or the payment amount.

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