Method and apparatus for payment services

Abstract

To disclose a method and a device for a payment service.SOLUTION: A method for operating a server for providing a payment service according to an embodiment comprises the steps of: acquiring country-related information of a terminal connected to the payment service; providing an international credit card as an option of payment means to the terminal based on the country-related information; checking whether or not an account corresponding to the terminal is authenticated; and determining a default value of the payment means corresponding to the account based on whether or not the account is authenticated.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The following embodiments relate to a method and an apparatus for a payment service, and in particular to a server that provides a payment service and a terminal that uses the payment service. [Background technology]

[0002] FinTech (Financial Technology) is a compound word of finance and technology, and refers to financial services and industries based on cutting-edge information technology such as mobile, big data, and social media. It is a technology-based service that uses IT technology to provide services that are differentiated from existing financial services, and representative examples include mobile payments, remittances, asset management, crowdfunding, and app card services. Non-financial companies can use their technology to provide financial services such as payment directly to users, providing easy and convenient financial services. Summary of the Invention [Problem to be solved by the invention]

[0003] The following embodiment allows users using overseas numbers to select international credit cards as a payment method, and provides payment services that can be used via overseas terminals.

[0004] However, the technical issues are not limited to those described above, and other technical issues may exist. [Means for solving the problem]

[0005] According to one aspect, a method for operating a terminal using a payment service includes the steps of: acquiring country-related information of the terminal; setting an international credit card as one of the payment methods based on the country-related information; and determining a default value of the payment method corresponding to the account based on whether the account corresponding to the terminal is authenticated.

[0006] The country-related information may include a country code of the terminal, and the step of setting the international credit card as one of the payment methods may include setting the international credit card as one of the payment methods based on the country code of a country that supports international credit card payment services.

[0007] The step of determining the default payment method may include the step of verifying whether the account is authenticated.

[0008] The step of checking whether the account is authenticated may include a step of checking whether there is a history of authentication of whether the user information registered with the terminal number matches the user information entered corresponding to the account.

[0009] The account can be linked to one or more numbers.

[0010] The step of determining a default value for the payment method may include the step of determining the international credit card as the default value for the payment method corresponding to the account based on a confirmation that the account is not authenticated.

[0011] The step of determining a default value for the payment method may include the step of determining easy payment as the default value for the payment method corresponding to the account based on confirmation that the account is authenticated.

[0012] The method of operating a terminal using the payment service may further include receiving an input from a user selecting a payment method, and calling an interface for authenticating the account based on whether the authentication is performed and whether the selected payment method is a payment method requiring authentication.

[0013] According to one aspect, a method for operating a server that provides a payment service includes the steps of: acquiring country-related information of a terminal connected to the payment service; providing an international credit card as a payment option to the terminal based on the country-related information; checking whether an account corresponding to the terminal is authenticated; and determining a default value of the payment method corresponding to the account based on whether the account is authenticated.

[0014] The country-related information may include a country code of the terminal, and the step of providing the terminal with an international credit card as a payment option may include providing the international credit card as a payment option based on the country code of a country that supports international credit card payment services.

[0015] The step of determining a default value for the payment method may include the step of determining the international credit card as the default value for the payment method corresponding to the account based on a confirmation that the account is not authenticated.

[0016] The step of determining a default value for the payment method may include the step of determining easy payment as the default value for the payment method corresponding to the account based on confirmation that the account is authenticated.

[0017] The method of operating the server providing the payment service may further include the steps of receiving a payment request corresponding to a selected payment means from the terminal, and providing an interface to the terminal for authenticating the account based on whether the account has been authenticated and whether the selected payment means is a payment means requiring authentication.

[0018] A terminal using a payment service according to one aspect includes a processor that acquires country-related information of the terminal, sets an international credit card as one of the payment methods based on the country-related information, and determines a default value of the payment method corresponding to the account based on whether the account corresponding to the terminal is authenticated.

[0019] In determining the default value of the payment method, the processor may determine the international credit card as the default value of the payment method corresponding to the account based on a confirmation that the account is not authenticated.

[0020] In determining the default value of the payment method, the processor may determine easy payment as the default value of the payment method corresponding to the account based on confirmation that the account has been authenticated.

[0021] The processor can receive input from a user selecting a payment method and invoke an interface for authenticating the account based on whether the authentication is present and whether the selected payment method is a payment method that requires authentication.

[0022] A server providing a payment service according to one aspect includes a processor that acquires country-related information of a terminal connected to the payment service, provides the terminal with an international credit card as a payment option based on the country-related information, checks whether an account corresponding to the terminal is authenticated, and determines a default value for the payment method corresponding to the account based on whether the account is authenticated.

[0023] In determining the default value of the payment method, the processor determines the international credit card as the default value of the payment method corresponding to the account based on confirmation that the account is not authenticated, and determines easy payment as the default value of the payment method corresponding to the account based on confirmation that the account is authenticated. [Effects of the Invention]

[0024] The following embodiment allows users using overseas numbers to select international credit cards as a payment method, and provides a payment service that can be used even via overseas terminals. [Brief explanation of the drawings]

[0025] [Figure 1] FIG. 1 illustrates an overview of a system for payment according to one embodiment. [Figure 2] 1 is a flowchart of a method of operating a terminal using a payment service according to one embodiment. [Figure 3] FIG. 10 is a diagram illustrating an example interface screen of a payment application provided to a terminal using an overseas number according to an embodiment. [Figure 4A] FIG. 10 illustrates an example interface screen of a payment app provided to a terminal of an unauthenticated account using an overseas number according to one embodiment. [Figure 4B] FIG. 10 illustrates an example interface screen of a payment app provided to a terminal of an unauthenticated account using an overseas number according to one embodiment. [Figure 5A] FIG. 10 illustrates an example interface screen of a payment app provided to a terminal of an authenticated account according to an embodiment. [Figure 5B] FIG. 10 illustrates an example interface screen of a payment app provided to a terminal of an authenticated account according to an embodiment. [Figure 6]FIG. 10 is a diagram illustrating an interface for authentication provided when a payment method requiring account authentication is selected according to an embodiment. [Figure 7] FIG. 10 is a diagram illustrating an example of an interface screen in which payment methods requiring account authentication and payment methods not requiring account authentication are displayed separately according to an embodiment. [Figure 8] 1 is a flowchart illustrating an operation method of a server that provides a payment service according to an embodiment. [Figure 9] FIG. 1 illustrates an example of a hardware configuration of a system for a payment service according to an embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0026] Specific structural or functional descriptions of the embodiments are disclosed for illustrative purposes only and may be modified in various forms. Therefore, the embodiments are not limited to the specific disclosed forms, and the scope of the present specification includes modifications, equivalents, or alternatives within the technical spirit.

[0027] Although terms such as "first" or "second" may be used to describe multiple components, such terms should be construed only to distinguish one component from the other components. For example, a first component may be designated as a second component, and similarly, a second component may be designated as a first component.

[0028] When any component is referred to as being "coupled" to another component, it is directly coupled or connected to the other component, but it should be understood that there may be other components in between.

[0029] The singular expression includes the plural expression unless the context clearly dictates otherwise. In this specification, the words "comprise" or "have" and the like indicate the presence of the features, numbers, steps, operations, components, parts, or combinations thereof described in the specification, and should be understood as not precluding the possibility of the presence or addition of one or more other features, numbers, steps, operations, components, parts, or combinations thereof.

[0030] Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by a person of ordinary skill in the art to which the present invention belongs. Commonly used predefined terms should be interpreted as having a meaning consistent with the meaning they have in the context of the relevant art, and should not be interpreted as having an ideal or overly formal meaning unless expressly defined herein.

[0031] Hereinafter, embodiments will be described in detail with reference to the accompanying drawings. When describing with reference to the drawings, the same reference numerals will be used to designate the same elements, regardless of the reference numerals, and redundant description thereof will be omitted.

[0032] FIG. 1 is a diagram illustrating an overview of a payment system according to one embodiment.

[0033] 1, a system 100 for payment according to one embodiment includes a terminal 110, a server 120, and a network 130. Specific hardware configurations of the server 120 and the terminal 110 will be described below.

[0034] According to one embodiment, the server 120 includes a server that provides a payment service. The payment service refers to a service that supports payment of goods and / or services sold on the social commerce platform using various payment methods, such as credit cards, via a network 130, such as the wireless Internet or a wireless communication network. For example, the payment service may provide at least one of an easy payment function using registered card or account information, a payment function using points (e.g., credit card points or various types of rewards), and a payment function performed by entering card or account information. The terms "easy payment" or "easy payment function" broadly refer to various methods for quickly and easily processing payments, and also include facilitating the user's payment process by eliminating the need for the user to manually enter payment-related information each time a transaction is completed.

[0035] The easy payment function means a payment function that can be performed through simple and quick procedures supported by a payment service. For example, the easy payment function includes, but is not limited to, a point-increasing easy payment function in which funds are charged to an account of the easy payment service using a card or bank account in the name of an authenticated person and then payments are made, and a bank account and card payment intermediation easy payment function in which funds are paid from a bank account only when a payment is made by linking a check card or bank account in the name of an authenticated person in advance.

[0036] The server 120 according to one embodiment includes a server that provides FinTech services. FinTech services are financial services using information technology (IT), and refer to services related to mobile banking and payments, such as deposits, payments, and remittances, provided via a network 130 such as the wireless internet or a wireless communication network.

[0037] The server 120 may be linked to an application (hereinafter, "app") related to a payment service or a web related to a payment service executed on the terminal 110 for a user interface (UI), function, operation, service, etc. Hereinafter, an app related to a payment service will be referred to as a payment app, and a web related to a payment service will be referred to as a payment web.

[0038] The terminal 110 may include, for example, a personal computer (PC), a netbook, a notebook computer, a personal digital appliance (PDA), a smartphone, a wearable device, and various other devices that perform similar functions.

[0039] The terminal 110 is driven by a payment app or payment web provided by the server. A user can run the payment app or payment web on the terminal 110 to use a payment service provided by the server 120. A user can subscribe to a payment service through the payment app or payment web to create a user account. A user can use the payment service through the terminal 110 of a user account that has subscribed to the payment service. The terminal 110 of a user account that has subscribed to the payment service means a terminal logged in with a user account that has subscribed to the payment service.

[0040] The server 120 according to one embodiment includes a server that provides an instant messaging service linked with a payment service via the network 130. The instant messaging service may include a service that allows multiple users to chat in real time by sending instant messages such as text messages, voice messages, media files, etc. in real time via the network 130, such as the wireless Internet or a wireless communication network, and related services.

[0041] According to an embodiment, the server 120 may be linked to an instant messaging service or an instant messaging server. The server 120 may provide a payment service linked to the instant messaging service or may provide the payment service in linkage with the instant messaging server. For example, information requesting a payment in the payment service and information indicating that the payment has been completed may be sent in the form of a message through a chat room provided by the instant messaging service. For example, a user may connect to the payment service through an instant messenger. A user may use the payment service using a user account subscribed to the instant messaging service. Alternatively, a user may use the instant messaging service using a user account subscribed to the payment service.

[0042] FIG. 2 is a flowchart of a method of operation of a terminal using a payment service according to one embodiment.

[0043] The terminal according to one embodiment corresponds to the terminal 110 described above with reference to Fig. 1, and the payment service corresponds to a service provided by the server 120. As described above, the terminal can use the payment service provided by the server 120 by running a payment-related app or a payment-related website.

[0044] Referring to FIG. 2, a method for operating a terminal using a payment service according to an embodiment includes step S210 of acquiring country-related information of the terminal. The country-related information of the terminal is information indicating the country in which the terminal is located or the country in which the terminal is used, and includes, but is not limited to, the country code of the terminal. The country code of the terminal may be acquired from the mobile phone number of the terminal. The mobile phone number of the terminal includes the country code. The country code is used when a mobile terminal located in one country makes a call to a mobile terminal located in another country, and is a number consisting of a + sign and a minimum of one digit and a maximum of three digits according to the ITU-T standard. For example, the country code for South Korea is +82, the country code for Japan is +81, and the country codes for the United States and Canada are +1.

[0045] According to one embodiment, a method for operating a terminal using a payment service includes step S220 of setting an overseas card (an overseas credit card, an international credit card, or an international card) as one of the payment methods based on country-related information. It is determined from the country code whether the terminal's number is a domestic number or an overseas number. If it is determined that the terminal uses an overseas number, an international credit card may be set as one of the payment methods. For example, referring to the payment app interface screen 301 shown in FIG. 3 , an international credit card payment list 310 may be added to a list of payment methods selectable by a user. The user may select one of the options included in the list of payment methods and request the server to make payment as the payment method selected from the list. According to one embodiment, to facilitate a simple payment method, the process of setting an international credit card based on the country code used by the terminal may be performed automatically.

[0046] According to an embodiment, step S220 of setting an international credit card as one of the payment methods may include setting the international credit card as one of the payment methods if the country code is a country code that supports an international credit card payment service. In other words, if the country code of the terminal is a country code of a foreign country, excluding Korea, that supports an international credit card payment service in the payment app, the international credit card may be set as one of the payment methods. For example, if the country code of the terminal is +82 (Korea), and the payment app supports international credit card payment services for the United States and Japan, the international credit card may be set as one of the payment methods if the country code of the terminal is +1, which is the country code for the United States, or +81, which is the country code for Japan. According to an embodiment, if the country code is a country code that supports an international credit card payment service, the process of setting the international credit card as one of the payment methods may be automatically performed by the terminal to facilitate a convenient payment method.

[0047] According to an embodiment, the method for operating a terminal using a payment service includes determining a default value of a payment method corresponding to the account based on whether the account corresponding to the terminal is authenticated (S230).

[0048] Step S230 according to an embodiment includes checking whether an account corresponding to the terminal is authenticated, where the account corresponding to the terminal refers to an account logged in through the terminal.

[0049] According to an embodiment, the step of checking whether an account corresponding to a terminal is authenticated may include checking whether user information registered with the terminal matches user information entered corresponding to the account and whether there is an authentication history. If there is an authentication history of the account, the account is confirmed as authenticated.

[0050] An account may be linked to one or more numbers (e.g., a domestic number, a country code such as an overseas country code, etc.). When logging in to the app on a device using a domestic number, the domestic number may be linked to the logged-in account. When logging in to the account on a device using an overseas number and using the app, an overseas number may be linked to the account. If an overseas number is linked to the account, the link information for the domestic number may be maintained instead of being deleted or replaced. Whether or not an account is authenticated may be determined if authentication is performed for at least one of the linked numbers.

[0051] The default payment method value indicates the payment method that is set before a user input for selecting a payment method is received. For example, if the payment methods available to a user include a first payment method and a second payment method, and the default value is set as the first payment method, the payment method may be set as the first payment method before a user input for selecting another payment method is received.

[0052] According to an embodiment, step S230 of determining a default payment method may include determining an international credit card as the default payment method if it is determined that the account is not authenticated. For example, referring to the payment app interface screen 401 shown in FIG. 4A , if it is determined that the account is not authenticated and no user input for selecting a payment method is received, an international credit card payment list 410 may be selected as the payment method. A list of payment methods other than the international credit card payment list 410 may be displayed separately from the international credit card payment list 410. For example, a list of payment methods other than the international credit card payment list 410 may be grouped and displayed in a payment method requiring personal authentication list 420. A list of payment methods requiring personal authentication, such as simple payment, mobile phone payment, and bank transfer, may be displayed by selecting the payment method requiring personal authentication list 420. If the account is not authenticated, the payment methods included in the payment method requiring personal authentication list 420 may be restricted from being selected as the payment method. Alternatively, if a payment method included in the payment method requiring personal authentication list 420 is selected, personal authentication may be requested, and the payment method may be selected after the personal authentication is completed.

[0053] For example, referring to the payment app interface screen 402 shown in FIG. 4B, if the product to be paid for is a product that does not support international credit card payment (e.g., a voucher or an intermediary delivery product), the international credit card payment list is not exposed to a terminal of an unauthorized user account. As an example, if the product to be paid for is a product that does not support international credit card payment, the easy payment list 430 may be determined as the default payment list.

[0054] Step S230 according to an embodiment may include determining easy payment as a default payment method when it is confirmed that the account is authenticated. For example, referring to the payment app interface screen 501 shown in FIG. 5A, when the account is authenticated, if no user input for selecting a payment method is received, the first easy payment list 510 may be selected as the payment method. If a user input for selecting a payment method list other than the first easy payment list 510 is received, a payment method list corresponding to the selected list may be selected.

[0055] 5B , when the country code of the authenticated account is an overseas code, an international credit card payment list 520 is exposed as a payment method. When a user input selecting the international credit card payment list 520 is received, the payment method may be changed from simple payment to an international credit card. On the other hand, when the country code of the authenticated account is not an overseas country code, the international credit card payment item 520 is not exposed as a payment method option.

[0056] In one embodiment, a method for operating a terminal using a payment service includes receiving an input for selecting a payment method, and calling an interface for authenticating the account based on whether the account is authenticated and whether the selected payment method is a payment method that requires authentication.

[0057] When an input for selecting a payment method requiring account authentication is received from a user of an unauthenticated account, an interface for authentication is invoked. For example, referring to Fig. 6, when an input for selecting a credit card payment list 610 requiring account authentication as a payment method is received from a user of an unauthenticated account via an interface screen 601 for payment method selection, an interface screen 602 may be displayed to notify the user that an interface for authentication will be invoked.

[0058] Once account authentication is performed through the authentication interface, payment can be made using the selected payment method. For example, referring to FIG. 6, once account authentication is performed through the authentication interface, an interface screen 603 for making a selected credit card payment is displayed.

[0059] If account authentication fails, the user is prompted to select a payment method again. For example, referring to FIG. 6, if account authentication fails, interface screen 601 for selecting a payment method may be displayed again. According to one embodiment, if account authentication fails, a message may be displayed via the interface guiding the user to select a payment method that does not require authentication.

[0060] According to one embodiment, the interface for selecting a payment method may display payment methods that require account authentication and payment methods that do not require account authentication separately. For example, referring to the payment app interface screen 701 shown in Fig. 7, the payment methods may be displayed separately into a list 710 of payment methods that require account authentication and a list 720 of payment methods that do not require account authentication, depending on whether account authentication is required.

[0061] According to one embodiment, the list of payment methods included in the list of payment methods exposed to the user of the terminal can be determined based on at least one of the country-related information of the terminal and whether the account corresponding to the terminal is authenticated.

[0062] For example, when based on the country-related information of the terminal, a list of payment methods available in the country where the terminal is used may be included in the list of payment methods exposed to the terminal user. Depending on whether the country where the terminal is used is domestic or overseas, the number of payment methods included in the list of payment methods and the types of payment methods included in the list of payment methods may also differ.

[0063] For example, if an account corresponding to a terminal is authenticated, a list of payment methods available to the authenticated account may be included in the list of payment methods exposed to the user of the terminal. For example, if an account corresponding to a terminal is not authenticated, a list of payment methods restricted to non-authenticated accounts may be excluded from the list of payment methods exposed to the user.

[0064] According to one embodiment, the order of the payment means included in the list of payment means may be determined based on at least one of the country-related information of the terminal and whether the account corresponding to the terminal is authenticated. For example, the order of the payment means included in the list of payment means may be determined so that the payment means determined as the default value is positioned at the top of the list of payment means. The order of the payment means included in the list of payment means may also be determined according to user settings.

[0065] According to one embodiment, the size at which the list of payment methods is displayed may depend on the position in the list of payment methods, for example, the topmost payment method may be displayed larger than the other payment method lists.

[0066] FIG. 8 is a flowchart illustrating an operation method of a server that provides a payment service according to an embodiment.

[0067] The server and terminal according to an embodiment correspond to the server 120 and terminal 110 described with reference to FIG. 1, respectively, and the payment service corresponds to a service provided by the server 120. As described above, the terminal can execute a payment-related app or a payment-related website and use or connect to the payment service provided by the server 120.

[0068] Referring to FIG. 8, an operating method of a server providing a payment service according to one embodiment includes step S810 of acquiring country-related information of a terminal connected to the payment service, step S820 of providing the terminal with an international credit card as a payment method option based on the country-related information, step S830 of checking whether an account corresponding to the terminal is authenticated, and step S840 of determining a default value of the payment method corresponding to the account based on whether the account is authenticated.

[0069] According to one embodiment, the country-related information includes the country information of the terminal, the country code of the terminal can be obtained from the mobile phone number of the terminal, and the country code can be transmitted from the terminal to the server.

[0070] According to one embodiment, it is possible to determine whether the terminal's number is a domestic number or an international number from the terminal's country code. If it is determined that the terminal uses an international number, the server can provide the terminal with an international credit card as a payment method option via a payment app or payment website. In other words, international credit cards can be added as a payment method option that the user can select.

[0071] Step S820 according to one embodiment includes providing an international credit card as a payment option when the country code is a country code that supports an international credit card payment service. When the terminal uses an overseas number and the overseas country corresponding to the overseas number is a country code that supports an international credit card payment service, the server can provide the international credit card as a payment option to the terminal via a payment app or a payment website.

[0072] According to an embodiment, the server may check whether an account corresponding to a terminal is authenticated. The account corresponding to a terminal refers to an account logged in through the terminal.

[0073] According to an embodiment, step S830 of checking whether an account corresponding to a terminal is authenticated may include checking whether there is a history of authentication, in which user information registered with the terminal number matches user information entered corresponding to the account. For example, the account authentication history may be stored in a memory within the server or an external memory accessible to the server. The server may check whether there is a stored authentication history for the account, and if there is an authentication history for the account, may identify the account as an authenticated account.

[0074] Step S840 according to one embodiment corresponds to the same operation as step S230 described above, but is performed by a different entity. For example, step S840 of determining a default payment method may include determining an international credit card as the default payment method if it is determined that the account is not authenticated. For example, step S840 of determining a default payment method may include determining easy payment as the default payment method if it is determined that the account is authenticated.

[0075] If the server determines a default payment method value, the server can provide a payment method selection interface to the terminal indicating that the default payment method has been selected. The terminal can display one or more payment methods as selectable payment method options. The terminal can indicate that the default payment method value has been selected as the payment method.

[0076] According to an embodiment, the method of operating the server may further include receiving a payment request corresponding to a selected payment method from the terminal, and providing an interface for account authentication to the terminal based on whether the account is authenticated and whether the selected payment method is a payment method requiring authentication. For example, when a payment request corresponding to a payment method requiring account authentication is received from a terminal of an unauthenticated account, the server may provide an interface for authentication to the terminal.

[0077] If the account authentication is performed via the authentication interface, the server can perform the payment with the selected payment method. If the account authentication fails, the server can request the user to select the payment method again via the terminal interface.

[0078] FIG. 9 is a diagram illustrating an example of a hardware configuration of a system for a payment service according to an embodiment.

[0079] Referring to FIG. 9, a system according to one embodiment (for example, the system 100 shown in FIG. 1) includes a terminal 110 and a server 120 connected via a network 130.

[0080] The terminal 110 according to an embodiment may be a mobile terminal implemented as a computer device. For example, the terminal 110 may communicate with the server 120 and / or other electronic devices via the network 130 using a wireless or wired communication method.

[0081] The server 120 according to one embodiment is implemented as a computer device or multiple computer devices that communicate with the terminal 110 and / or other servers via the network 130 to provide instructions, code, files, content, services, etc. The communication method is not limited and may include a communication method utilizing a communication network (e.g., a mobile communication network, a wired Internet, a wireless Internet, a broadcast network) including the network 130, or a short-range wireless communication method between devices. For example, the network 130 may include one or more of a personal area network (PAN), a local area network (LAN), a campus area network (CAN), a metropolitan area network (MAN), a wide area network (WAN), a broadband network (BBN), the Internet, etc.

[0082] According to one embodiment, the server 120 may provide a file for installing an application to the connected terminal 110 via the network 130. In this case, the terminal 110 may install an application (e.g., a payment app, a payment web, or an instant messenger) using the file provided by the server 120. Furthermore, the terminal 110 may connect to the server 120 and receive services or content provided by the server 120 under the control of an operating system (OS) and at least one program (e.g., a browser or an installed application) included in the terminal 110. For example, when the terminal 110 transmits a service request message to the server 120 via the network 130 under the control of an application, the server 120 transmits a code corresponding to the service request message to the terminal 110, and the terminal 110 may configure and display a screen based on the code under the control of the application, thereby providing content to the user.

[0083] According to one embodiment, the terminal 110 and the server 120 include a memory 911, 921, a processor 913, 923, a communication module 915, 925, and an input / output interface 917, 927.

[0084] The processors 913, 923 according to one embodiment may perform at least one of the operations described above with reference to Figures 1 to 8. For example, the processor 913 may perform at least one of the operations performed by the terminal 110 using the payment service described above with reference to Figures 1 to 7, and the processor 923 may perform at least one operation related to the payment service described above with reference to Figure 8. The processors 913, 923 are configured to process computer program instructions by performing basic arithmetic, logic, and input / output operations. The instructions may be provided to the processors 913, 923 by the memories 911, 921 or the communication modules 915, 925.

[0085] The memories 911 and 921 may be computer-readable recording media, and may be volatile or non-volatile memories. The memories 911 and 921 according to an embodiment may store information for operating the payment app or payment website described above with reference to FIGS. 1 to 7. For example, the memory 921 may store account information and chat room information for users who have subscribed to a payment service.

[0086] The memory 911 according to an embodiment may include code for a payment application or payment website that is installed and run on the terminal 110 by a file provided by the server 120 via the network 130 .

[0087] The memory 921 according to an embodiment may store a program that embodies the operations for the payment service described above with reference to FIGS.

[0088] The communication modules 915, 525 according to one embodiment provide the functionality for the terminal 110 and the server 120 to communicate with each other via the network 130, and can provide the functionality for communication with other electronic devices or other servers.

[0089] As an example, a request generated by the processor 913 of the terminal 110 in accordance with program code relating to a payment app or payment web stored in a storage device such as memory 911 may be transmitted to the server 120 via the network 130 under the control of the communication module 915.

[0090] As an example, control signals or instructions, content, files, etc. provided under the control of the processor 923 of the server 120 may be received by the terminal 110 via the communication module 915 of the terminal 110 via the communication module 925 and the network 130.

[0091] The input / output interface 917, 527 may be a means for interfacing with the input / output device 919. For example, the input device may include a device such as a keyboard or a mouse, and the output device may include a device such as a display for displaying a communication session of an application. As another example, the input / output interface 917 may be a means for interfacing with a device that combines input and output functions, such as a touch screen. As a more specific example, the processor 913 of the terminal 110 may process instructions of a computer program loaded in the memory 911 to display a service screen or content configured using data provided by the server 120 on the display via the input / output interface 917. Input received from a user via the input / output device 919 is provided via the input / output interface 917 in a form processable by the processor 913 of the terminal 110.

[0092] According to an embodiment, the terminal 110 and the server 120 may include other components not shown in Fig. 9. For example, the terminal 110 may be implemented to include at least some of the input / output devices 919 described above, or may further include other components such as a transceiver, a GPS (Global Positioning System) module, a camera, various sensors, a database, etc.

[0093] The embodiments described above may be implemented using hardware components, software components, and / or a combination of hardware and software components. For example, the adaptive supersampling devices, methods, and components described in the embodiments may be implemented using a general-purpose computer or a special-purpose computer, such as a processor, controller, arithmetic logic unit (ALU), digital signal processor, microcomputer, field programmable gate array (FPGA), programmable logic unit (PLU), microprocessor, or other adaptive supersampling device capable of executing and responding to commands. The processing adaptive supersampling device may execute an operating system (OS) and software applications that run on the operating system. The processing adaptive supersampling device may also access, store, manipulate, process, and generate data in response to the execution of the software. For ease of understanding, the processing adaptive supersampling device may be described as being a single processing element, but those skilled in the art will recognize that the processing adaptive supersampling device may include multiple processing elements and / or multiple types of processing elements. For example, the processing adaptive supersampling device may include multiple processors or one processor and one controller. Other processing configurations are also possible, such as parallel processors.

[0094] The software may include a computer program, code, instructions, or any combination thereof, which may configure or independently or collectively instruct the processing adaptive supersampling device as desired. The software and / or data may be permanently embodied in any type of machine, component, physical adaptive supersampling device, virtual adaptive supersampling device, computer storage medium, or adaptive supersampling device, or transmitted signal wave, to be interpreted by or provide instructions or data to the processing adaptive supersampling device. The software may be distributed across networked computer systems and stored or executed in a distributed manner. The software and data may be stored on a computer-readable storage medium.

[0095] The method according to the present invention may be embodied in the form of program instructions that can be executed by various computer means and recorded on a computer-readable recording medium. The recording medium may include program instructions, data files, data structures, and the like, alone or in combination. The recording medium and program instructions may be specially designed and constructed for the purposes of the present invention, or may be well-known and available to those skilled in the art of computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine language code, such as that generated by a compiler, but also high-level language code that is executed by a computer using an interpreter, for example.

[0096] The hardware adaptive supersampling devices described above may be configured to operate as one or more software models to perform the operations shown in this invention, and vice versa.

[0097] Although the embodiments have been described above with reference to limited drawings, those skilled in the art may apply various technical modifications and variations based on the above description. For example, the described techniques may be performed in a different order than described, and / or the components of the described systems, structures, devices, circuits, etc. may be combined or combined in a different manner than described, and may be replaced or substituted with other components or equivalents, while still achieving suitable results.

[0098] Accordingly, other implementations, other embodiments, and equivalents of the claims are intended to fall within the scope of the following claims.

Claims

1. 1. A method of operating a terminal that uses a payment service, comprising: obtaining country-related information representing the country in which the terminal is located or in which the terminal is used; setting an international credit card as one of the payment methods based on the country-related information; determining a default value of a payment method corresponding to the account based on whether or not the user information registered with the terminal number matches the user information entered corresponding to the logged-in account; A method comprising:

2. the country-related information includes a country code of the terminal; 2. The method of claim 1, wherein configuring the international credit card as one of the payment methods comprises configuring the international credit card as one of the payment methods based on a country code of the terminal.

3. 2. The method of claim 1, wherein the step of determining the default value of the payment method includes a step of confirming whether the account is authenticated, which indicates whether the user information registered with the terminal number matches the user information entered corresponding to the account.

4. The method according to claim 3, wherein the step of confirming whether the account has been authenticated includes a step of confirming whether there is a history of authentication of whether the user information registered with the terminal number matches the user information entered corresponding to the account.

5. The method of claim 1 , wherein the account is associated with one or more country codes.

6. 2. The method of claim 1, wherein the step of determining the default value of the payment method includes a step of determining the international credit card as the default value of the payment method corresponding to the account based on confirmation that the user information registered with the terminal number does not match the user information entered corresponding to the account.

7. 2. The method of claim 1, wherein the step of determining the default value of the payment method includes a step of determining an easy payment that can be performed only by a simple and quick procedure provided by the payment service as the default value of the payment method corresponding to the account based on confirmation that the user information registered with the terminal number matches the user information entered corresponding to the account.

8. receiving input from a user selecting a payment method; 4. The method of claim 3, further comprising the step of invoking an interface for authenticating the account based on whether the authentication is present and whether the selected payment method is a payment method that requires authentication.

9. A method for operating a server that provides a payment service, comprising: obtaining country-related information representing a country in which a terminal connected to the payment service is located or in which the terminal is used; providing an international credit card as a payment option to the terminal based on the country-related information; A step of confirming whether the account is authenticated, which indicates whether the user information registered to the terminal number is consistent with the user information entered corresponding to the logged-in account; determining a default value of a payment method corresponding to the account based on whether the account is authenticated; A method comprising:

10. the country-related information includes a country code of the terminal; 10. The method of claim 9, wherein offering international credit cards as payment options at the terminal comprises offering the international credit cards as payment options based on a country code of the terminal.

11. 10. The method of claim 9, wherein the step of determining the default value of the payment method includes a step of determining the international credit card as the default value of the payment method corresponding to the account based on confirmation that the user information registered with the terminal number does not match the user information entered corresponding to the account.

12. 10. The method of claim 9, wherein the step of determining the default value of the payment method includes a step of determining an easy payment that can be performed only by a simple and quick procedure provided by the payment service as the default value of the payment method corresponding to the account based on confirmation that the user information registered with the terminal number matches the user information entered corresponding to the account.

13. receiving a payment request corresponding to the selected payment method from the terminal; 10. The method of claim 9, further comprising providing the terminal with an interface for authenticating the account based on whether the account is authenticated and whether the selected payment method is a payment method requiring authentication.

14. A computer program stored on a medium for causing, in combination with hardware, to carry out the method according to any one of claims 1 to 13.

15. A terminal that uses a payment service, Obtaining country-related information representing the country in which the terminal is located or in which the terminal is used; Based on the country-related information, set an international credit card as one of the payment methods; A terminal including a processor that determines a default value of a payment method corresponding to the account based on whether the account is authenticated, which indicates whether user information registered to the terminal number matches user information entered corresponding to the logged-in account.

16. The processor: In determining the default value of the payment method, The terminal of claim 15, wherein the international credit card is determined as the default payment method corresponding to the account based on confirmation that the user information registered with the terminal number does not match the user information entered corresponding to the account.

17. The processor: The terminal according to claim 15, wherein, in determining the default value of the payment method, a simple payment that can be performed using only a simple and quick procedure provided by the payment service is determined as the default value of the payment method corresponding to the account based on confirmation that the user information registered with the terminal number matches the user information entered corresponding to the account.

18. The processor: receiving input from a user selecting a payment method; The terminal of claim 15, wherein an interface for authenticating the account is invoked based on whether the authentication is performed and whether the selected payment method is a payment method that requires authentication.

19. A server that provides a payment service, Obtain country-related information indicating the country in which the terminal connected to the payment service is located or in which the terminal is used; providing an international credit card as a payment option to the terminal based on the country-related information; Checking whether the account is authenticated, indicating whether the user information registered with the terminal number matches the user information entered corresponding to the logged-in account; A server including a processor that determines a default value of a payment method corresponding to the account based on whether the account is authenticated.

20. The processor: In determining the default value of the payment method, Based on the confirmation that the user information registered with the terminal number does not match the user information entered in correspondence with the account, determine the international credit card as the default value of the payment method corresponding to the account; The server of claim 19, further comprising: determining easy payment as the default payment method corresponding to the account based on confirmation that the account is authenticated.

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