KR20160057025A - Method and system of processing payment using instant message service - Google Patents

Abstract

A payment processing method using an instant messaging service is disclosed. The method comprising: obtaining information about at least one second user for a payment transaction of a first user and a chat room created via an instant messenger application between the first user; Updating a payment account of the first user and a payment account of each of the at least one second user in response to processing the payment transactions of the first user; And outputting a message relating to the processing of the payment transaction of the first user through the chat room.

Description

TECHNICAL FIELD [0001] The present invention relates to a payment processing method and an payment processing system using an instant message service,

The following embodiments are directed to techniques for performing payment processing between users using an instant messaging service or between a user and a merchant.

Users use a variety of payment methods for online or offline transactions. For example, users buy their desired product online and pay for the product using a credit card or bank account in the payment platform. In addition, users may pay for a product using a payment account that is used on a payment platform differently than a credit card or bank account.

Also, the number of users using the instant message service is increasing recently. Users can expand their social relationships using instant messaging services, and instant messaging service providers are attempting to combine instant messaging services with services such as games, advertising, search, online shopping, and digital content trading.

In particular, to combine services such as online shopping, instant messaging services, online shopping and digital content transactions, payment processing must be performed and a payment processing system (or payment platform) compatible with the instant messaging service may be required have.

Embodiments of the present invention provide a payment processing method and a payment processing system by which a user using an instant messaging service can conveniently process a payment transaction by providing a payment platform that can be combined with an instant messaging service.

In addition, embodiments of the present invention map the instant messaging service account and the payment account, process the payment transaction of the user using the instant messaging service account and the payment account, A payment processing method and a payment processing system capable of increasing a payment processing amount.

In addition, embodiments of the present invention provide a payment processing method and a payment method that enable users to conveniently check how a payment transaction is processed by outputting a message related to processing of a payment transaction using a chat room generated through an instant messenger application Processing system.

In addition, embodiments of the present invention combine instant messaging services with services that process a variety of payment transactions, such as remitting, requesting remittances, and remitting groups, to provide users of instant messaging services with various options for payment transactions A payment processing method, and a payment processing system.

In addition, embodiments of the present invention provide a payment processing method and a payment processing system capable of expanding the convenience of users who use an instant message service by specifying a counterpart of a payment transaction through a chat room or buddy list of an instant messenger application do.

A payment processing method using an instant messaging service according to an embodiment of the present invention includes receiving at least one second user for a payment transaction of a first user and information about a chat room created through an instant messenger application between the first user ; Updating a payment account of the first user and a payment account of each of the at least one second user in response to processing the payment transactions of the first user; And outputting a message relating to the processing of the payment transaction of the first user through the chat room.

Wherein the payment transaction of the first user is a remittance transaction in which the first user forwards the funds to the at least one second user; A transfer requesting transaction in which the at least one second user requests transfer of funds to the first user; Or a group transfer transaction in which a group including the first user and the at least one second user transfers funds to a third party.

The payment processing system using the instant message service according to an embodiment of the present invention includes an instant message service server for the instant message service; A terminal of a first user who executes an instant messenger application for the instant message service; And a payment server processing the payment transaction of the first user. Wherein the payment server obtains information about at least one second user for the payment transaction of the first user and the chat room created through the instant messenger application between the first user and the first user; A module for updating the payment account of the first user and the payment account of each of the at least one second user in response to processing the payment transactions of the first user; And a module for communicating with the instant messenger server such that a message associated with the processing of the payment transaction of the first user is output through the chat room.

An instruction to cause a computer to execute a payment processing method using an instant messaging service according to an embodiment of the present invention is stored in a computer-readable recording medium. Wherein the method comprises: obtaining information about a chat room created by an instant messenger application between at least one second user for a payment transaction of a first user and the first user; Updating a payment account of the first user and a payment account of each of the at least one second user in response to processing the payment transactions of the first user; And outputting a message relating to the processing of the payment transaction of the first user through the chat room.

Embodiments of the present invention can provide a payment processing method and a payment processing system by which a user using an instant message service can conveniently process a payment transaction by providing a payment platform that can be combined with an instant message service.

In addition, embodiments of the present invention map the instant messaging service account and the payment account, process the payment transaction of the user using the instant messaging service account and the payment account, A payment processing method and a payment processing system capable of increasing a payment processing amount can be provided.

In addition, embodiments of the present invention provide a payment processing method and a payment method that enable users to conveniently check how a payment transaction is processed by outputting a message related to processing of a payment transaction using a chat room generated through an instant messenger application Processing system can be provided.

In addition, embodiments of the present invention combine instant messaging services with services that process a variety of payment transactions, such as remitting, requesting remittances, and remitting groups, to provide users of instant messaging services with various options for payment transactions A payment processing method and a payment processing system for providing a payment processing system.

In addition, embodiments of the present invention provide a payment processing method and a payment processing system capable of expanding the convenience of users who use an instant message service by specifying a counterpart of a payment transaction through a chat room or buddy list of an instant messenger application can do.

1 is a view illustrating a payment processing system using an instant messaging service including an instant messaging service (IMS) server, a payment server, and a plurality of user terminals according to an embodiment of the present invention.
2 is a diagram illustrating an online / offline transaction system including user terminals having a function for payment processing according to an embodiment of the present invention.
3A is a diagram illustrating a relationship between an instant message service account stored in a buddy relationship database of an IMS server and a payment account stored in a payment account database of a payment server according to an embodiment of the present invention.
3B is a diagram conceptually showing that value transfer is performed in the payment account database when the user X shown in FIG. 3A performs a payment transaction for the user A, which is a buddy of the user X. FIG.
4 is a data structure showing a payment account and detailed information mapped to a user whose IMS account is user X. [
5 is an exemplary flowchart illustrating a payment processing method using an instant messaging service according to an embodiment of the present invention.
FIG. 6 is an exemplary screen of a user terminal when a payment account is registered according to an embodiment of the present invention.
FIG. 7 is an illustration of a screen of a user terminal when performing a 'transfer' payment transaction in an instant messaging application according to an embodiment of the present invention.
FIG. 8 illustrates an example of a screen of a user terminal when performing a 'transfer request' payment transaction in an instant message application according to an embodiment of the present invention.
FIG. 9 is an illustration of a screen of a user terminal when performing a 'group transfer' payment transaction in an instant message application according to an embodiment of the present invention.
10 illustrates a screen of a user terminal after a payment transaction is completed according to an embodiment of the present invention.
11 is a block diagram illustrating an example of a computing device implemented as a user terminal, an IMS server, or a payment server in accordance with one embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a view illustrating a payment processing system using an instant messaging service including an instant messaging service (IMS) server, a payment server, and a plurality of user terminals according to an embodiment of the present invention.

Referring to FIG. 1, a payment processing system using an instant messaging service includes a plurality of user terminals 110, 120, and 130, an IMS server 140, and a payment server. The plurality of user terminals 110, 120, and 130 may include a mobile computing device such as a smart phone, a tablet PC, or the like.

Each of the plurality of user terminals 110, 120, and 130 may be provided with an instant messenger application and each of the plurality of user terminals 110, 120, and 130 may communicate with the IMS server 140. Users can form social relationships using instant messenger applications and can send and receive instant messages in real time. Here, the social relationship may be represented by a buddy list of each of the users, and the plurality of user terminals 110, 120, and 130 may be connected to the IMS server 140 and the IMS server 140 to synchronize information on each buddy list and the chat room Communication can be performed.

At the same time that users are provided with an instant messaging service, users can utilize the payment function combined with the instant messenger application to perform various payment transactions. For example, users may request payment processing for merchandise, digital content while receiving an instant messaging service, and may request payment processing for a merchant in an offline store. In addition, the users can transfer funds to the other party included in the buddy list formed through the instant message service, and request the transfer of funds to the other party. As will be described below, these payment transactions of users may occur frequently in various situations, and embodiments of the present invention may support at least the following three payment transactions.

- Example of a user's payment transaction

A remittance transaction in which the user transfers funds to the other party;

Requesting a transfer requesting a transfer of funds to a user; or

The group including the user and the at least one other party transferring funds to a third party,

In addition, at the same time that the users are provided with the instant message service, the account for the instant message service and the payment account are mapped to each other in order to perform various payment processes. That is, the IMS server 140 stores an account for each instant messaging service of users, and the payment server 150 stores a payment account for each of the users. At this time, the account for the instant messaging service and the payment account remain mapped to each other.

2 is a diagram illustrating an online / offline transaction system including user terminals having a function for payment processing according to an embodiment of the present invention.

Referring to FIG. 2, the user terminal A 210 may perform a payment transaction with the user terminal B 220 included in the buddy list in the IMS. For example, user terminal A 210 may transfer a desired amount to user terminal B 220 within a value registered in his / her payment account. At this time, some or all of the values registered in the payment account of the user terminal A 210 are transmitted to the user terminal B 220 without the assistance of the external financial institution 1 230 and the external financial institution 2 240 . In other words, in response to some or all of the values registered in the payment account of user terminal A 210 being delivered to user terminal B 220, the payment system (IMS server 140 and payment server 150 shown in FIG. 1) ) Updates the payment account of user terminal B (220). Even if the user terminal B 220 intends to exchange the value delivered from the user terminal A 210 with real money, the interaction between the external financial institution 1 230 and the external financial institution 2 240 It may not occur. More specifically, the payment system may have a bank account in the external financial institution 2 (240) where the bank account of the user terminal B 220 is registered, as in the user terminal B 220, and the user terminal B 220 In the case of exchanging the value delivered from the user terminal A 210 for real money, actual money is transferred from the bank account of the payment system to the bank account of the user terminal B 220. Even if there is no direct interaction between the external financial institution 1 230 and the external financial institution 2 240 through this process, if the value transferred from the user terminal A 210 to the user terminal B 220 is an actual And may be provided to the user terminal B 220 in money.

Also, the user terminal B 220 may request the user terminal B 210 to transfer the desired amount. In addition, the user terminals A and B 210 and 220 may deposit funds to increase the value registered in the payment account through the external financial institutions 230 and 240, May be exchanged for real money through the external financial institution (230, 240).

The user terminals A and B 210 and 220 can perform a payment procedure using the payment account for the online merchant 250 and the offline merchant 250. At this time, the payment account may be connected to the credit card and the bank account registered by the user terminal A, B (210, 220). When the settlement is completed, the settlement procedure is performed through the external financial institution 230, .

In addition, as described above, user terminal A 210 and user terminal B 220 are able to perform payment transactions, such as remittance, request remittance, Can be performed. At this time, the transfer of the value is completed within the payment platform including the payment server independently of the external financial institutions (230, 240) among the user terminals having the payment account. For example, if the user terminal A 210 remitted the one dollar registered in the payment account to the user terminal B 220, the user terminal A 220 from the external financial institution 1 230 to the user terminal B 220 The value of one dollar may be directly transferred from the payment account of the user terminal A 210 to the payment account of the user terminal B 220 rather than the money being transferred to the external financial institution 2 240 of the user terminal B 210.

3A is a diagram illustrating a relationship between an instant message service account stored in a buddy relationship database of an IMS server and a payment account stored in a payment account database of a payment server according to an embodiment of the present invention.

Referring to FIG. 3A, the buddy relationship database of the IMS server stores an account (user X, users A, B, C, and D) for IMS of users using the IMS. For example, the buddy relationship database stores accounts for the IMS of users A, B, C, and D that form a buddy relationship with user X.

In addition, the payment account database of the payment server stores the payment accounts of users who use the payment function using IMS. For example, the payment account database stores the payment account X of user X, the payment account A of user A, the payment account C of user C, and the payment account D of user D. Here, since the user B does not use the payment function, the payment account of the user B does not exist in the payment account database.

At this time, each of the payment accounts is mapped to one of the IMS accounts stored in the buddy relationship database. Thus, according to embodiments of the present invention, a particular user may perform a desired payment transaction even though he or she does not know the payment account of the selected at least one other party by selecting at least one party from the buddy list of the IMS or from the chat room . With reference to FIG. 3B, it is illustrated illustratively that user X performs the desired payment transaction, even though he does not know the payment account A of user A in the buddy relationship.

3B is a diagram conceptually showing that value transfer is performed in the payment account database when the user X shown in FIG. 3A performs a payment transaction for the user A, which is a buddy of the user X. FIG.

Referring to FIG. 3B, user X of user terminal X 330 and user A of user terminal A 340 have a buddy relationship on the IMS. That is, the IMS accounts of the users in the buddy relationship with the IMS account X of the user X are stored and managed as the buddy relationship list 351 in the buddy relationship database 350. At this time, the payment account database 360 stores and manages the payment account X (361) corresponding to the user X's IMS account X and the payment account A (362) of the user A.

When user X performs a payment transaction for user A in a buddy relationship, the transfer of value between user X's payment account X 361 and user A's payment account A 362 is made. For example, if user X intends to deliver a value of one dollar to user A, the value of one dollar from user X's payment account X 361 is transferred to user A's payment account A 362.

At this time, it may not be required that user X and user A grasp the other's payment account, and payment account X (361) of user X and payment account A (362) A transaction can be performed. That is, even though user X does not know user A's payment account A 362, the payment transaction described above can be successfully performed. User X and user A are in a buddy relationship on the IMS, and a payment server (not shown) including the payment account database 360 of the present invention has a payment account X 361 mapped to the IMS account X of user X, The payment account A 362 mapped to the IMS account A of A can be extracted and the transfer of value can be performed between the extracted payment account X 361 and the payment account A 362. [

4 is a data structure showing a payment account and detailed information mapped to a user whose IMS account is user X. [

Referring to FIG. 4, the 'payment account X' is mapped to the IMS account 'user X'. At this time, the payment account database stores various information about the payment account X. [ For example, the payment account database may store information about a plurality of bank accounts associated with payment account X, information about a plurality of credit cards. User X may increase the value of the payment account by a desired amount using at least one of bank accounts or credit cards, and may convert the value registered in the payment account into real money. At this time, the value of the virtual currency registered in the payment account can be used in the same unit as the actual currency.

In addition, the payment account database can store the history of various payment transactions performed using the payment account X, and can store the history of transaction messages generated during the payment transaction.

In addition, payment account X can be securely protected by security elements set by user X. [ At this time, the security elements set by the user X may include a password, a security pattern drawn by a user, biometric information such as a user's fingerprint, face pupil, voice, and a security device existing separately from the user terminal.

5 is an exemplary flowchart illustrating a payment processing method using an instant messaging service according to an embodiment of the present invention.

5, the user can form a social relationship with the friends A, B, and C included in the buddy list 510 of the instant messenger application. In the chat room 520 created through the instant messenger application, , Friend B and instant messages. Here, the chat room 520 has a unique identification number, and the unique identification number of the chat room 520 and information on the participants participating in the chat room 520 are stored in the IMS server.

According to embodiments of the present invention, the user identifies (530) at least one party for a payment transaction through the instant messenger application's buddy list 510 or chat room 520. If there is already a chat room between the user and at least one other party, the IMS server or the payment server can identify the IMS and payment accounts of the user and the other, respectively, from the information about the chat room. Conversely, if there is no chat room between the user and at least one other party, a chat room is created by the IMS server and the IMS server or the payment server receives information from the newly created chat room IMS accounts and payment accounts can be identified.

The user may perform at least one of various payment transactions as described above, and the payment server processes the payment transaction requested by the user (540). The payment transaction of the user is a remittance transaction in which the user transfers funds to the other party; Requesting a transfer requesting a transfer of funds to a user; Or a group transfer transaction in which a group including the user and the at least one other party transfers funds to a third party.

Transfers the money to the other party

The user can transfer funds to at least one party identified from the chat room or buddy list within the value registered in the user's payment account. At this time, transfer of funds among the user terminals is completed in the payment platform including the payment server independently of the external financial institution. For example, if a user sends a dollar to a counterparty in a payment account, the funds are not transferred from the user's external financial institution to the external financial institution of the counterpart, but are transferred from the user's payment account to the counterparty's payment account Can be delivered directly.

For example, assume that $ 1 of the value registered in user A's payment account has been delivered to user B. At this time, the payment system may have a bank account in the same institution as the external financial institution (for example, bank) to which the bank account of the user B is registered, as in the case of the user B, and the user B may transmit the value delivered from the user A If you want to exchange for real money, the real money is transferred from the bank account of the payment system to the bank account of user B. The payment system according to the embodiment of the present invention may have a bank account in the same institution as the external financial institution (for example, a bank) to which the bank account of the user B is registered, and may transfer funds within the same external financial institution Has a very short time delay or rarely generates a time delay. Therefore, according to the embodiment of the present invention, the user B can exchange the value quickly delivered without a substantial time delay to the real money after receiving the value from the user A. Through this process, the value transferred from user A to user B can be quickly provided to user B in real money, even though there is no direct interaction between user B's bank and user B's bank.

More specifically, assume that user A has an X bank account, user B has an Y bank account, and the payment system has both an X bank account and an Y bank account. At this time, the payment system can select the account of the Y bank, which is the same account as the user B, of the account of the X bank and the account of the Y bank owned by the payment system, And transfer money corresponding to the value transferred from the payment account of user A to the payment account of user B to the account. User B may then exchange the funds corresponding to the value transferred from user A's payment account to user B's payment account to the real currency through the account of Y bank. At this time, since both the payment system and the user B have the accounts of the Y bank, the user B can receive the funds quickly from the payment system.

Requesting a remittance to request the transfer of funds to the user

The other party may request the transfer of funds to the user. For example, an opponent who can not afford all of their costs, despite wanting to purchase a particular product or digital content, may request the transfer of funds to the user for help from the user. In this case, the user who is requested to transfer funds from the other party can easily support the other party by approving the request of the other party. As before, the transfer of funds within the payment platform, including the payment server, between the user terminals, independent of the external financial institution, is completed.

A group that includes a user and a group that contains at least one other party transfers funds to a third party.

According to embodiments of the present invention, a group including a user and at least one other party can transfer funds to a third party. Here, the third party may be a member of the group or may not be a member of the group.

For example, assume that users A, B, and C have lunch together in a restaurant and pay a total of $ 30 meals. At this time, each of the users A, B, and C must pay 30/3 = 10 dollars for the lunch cost. According to the embodiment of the present invention, each of the users A, B, and C uses one chat room The payment transaction can be performed through the payment account. As another example, if user A, user B, and user C have borne the entire cost, users B and C can each transfer $ 10 to user A's payment account.

Once the payment transaction is processed as described above, an embodiment of the present invention updates 550 the payment account of the user and the payment account of each of the at least one other party in response to processing the payment transaction.

For example, if user A transfers $ 1 of funds to user B's payment account, the value registered in user A's payment account is reduced by one dollar, and the value registered in user B's payment account is one dollar . Of course, if a fee occurs in the process of processing a payment transaction, the value corresponding to the fee may be deducted from the payment account of user A or the payment account of user B.

According to an embodiment of the present invention, the initiation of a payment transaction, the process of processing a payment transaction, the processing result of a payment transaction (update of a payment account, etc.) is output 560 in the form of an instant message through the chat room. This will be described in detail with reference to FIGS. 6 to 9. FIG.

FIG. 6 is an exemplary screen of a user terminal when a payment account is registered according to an embodiment of the present invention.

Referring to FIG. 6, referring to a screen 610, a user can inquire a value registered in a payment account using an instant messenger application. As shown in screen 610, the user's payment account is "00-010-1234-1234 ", and the value currently registered in the payment account is zero. When the user selects the 'charge' button on the screen 610, the screen 620 is output through the instant messenger application.

As shown in screen 620, the user can use any of the plurality of bank accounts associated with the payment account to fill in the value to be registered in the payment account. At this time, as shown in screen 630, the user may select any of a plurality of bank accounts, and may additionally register a bank account, as shown on screen 640.

FIG. 7 is an illustration of a screen of a user terminal when performing a 'transfer' payment transaction in an instant messaging application according to an embodiment of the present invention.

A screen 710 shows a screen output to a terminal of 'B' (type). Referring to the screen 710, 'B' (type) receives an instant message from 'A' (brother), and 'A' in the chat room of the instant messenger application of 'B' The instant message received from the 'sister' is output. 'B' (brother) can send funds to 'A' (brother) to celebrate 'A' (brother's birthday), and can select the 'Payment function' button provided in the chat room for this purpose. If the 'Payment' button is selected in the chat room between 'B' (type) and 'A' (brother), the counterpart of the payment transaction of 'B' Brother).

Referring to screen 720, in response to selecting the payment function 'B' (type), various options are provided. At this time, 'B' (brother) can choose payment transactions he wants during remittance, remittance request or group remittance. 'B' chooses a 'transfer' payment transaction to transfer funds to 'A' (his brother).

Referring to the screen 730, 'B' (type) can input '10000 won' from the payment account of 'B' (type) to the payment account of 'A' (brother). In addition, 'B' (brother) can additionally create a message 'Birthday Congratulations' sent along with the funds.

Screen 740 shows a screen that is output to terminal 'A' (sibling). Referring to screen 740, a transaction message 741 relating to processing a payment transaction of 'B' (type) is output to terminal 'A' (brother).

At this time, the transaction message 741 may have various attributes different from a general instant message. In particular, the transaction message 741 may include a fixed format region 742, a user edit region 743, and an interaction region 744 in one speech balloon. The fixed format area 742 is automatically generated in a fixed format in response to the payment transaction being processed. Also, the user editing area 743 includes at least one of text, image, or video edited by 'B' (type). Further, if a user's interaction is detected in the interaction region 744, further processing of the payment transaction is performed based on the interaction. For example, 'A' (brother) can move funds transferred from 'B' (type) to his payment account by touching the interaction area 744. In addition, if 'A' (brother) does not have a payment account, 'A' (brother) can touch the interaction area 744 to move to a screen where the payment account can be registered.

FIG. 8 is an illustration of a screen of a user terminal when performing a 'request for remitting payment' transaction in an instant message application according to an embodiment of the present invention.

Referring to FIG. 8, a screen 810 shows a screen for requesting a 'mother' to send a specific money to 'son' ('B') to purchase a book.

When the son sends a transaction message (remittance request message, 823) for 'remittance request' to the mother, a screen as shown on screen 820 is output through the instant messenger application of the mother. In this case, the transaction message (remittance request message) 821 may include a fixed format area 821 and a user editing area 822. The fixed format area 821 may include a fixed format area 821, . ≪ / RTI > Also, the user editing area 822 includes at least one of text, image, or video edited by the son.

When the mother interacts with the transaction message (remittance request message 821), or when the interaction with the interaction area at the bottom of the transaction message (remittance request message 821) is performed, the screen 830 is exposed through the mother terminal . In other words, if there is no interaction with the son's request for remittance in the chat room established between the son and the mother, the other party for the mother's payment transaction is automatically identified as son ('B'). Then, the remittance request amount contained in the transaction message (remittance request message, 821) is extracted, and the extracted remittance request amount is automatically set. The mother can decide whether or not to proceed with the remittance request amount, and the processing of the payment transaction is completed based on the determination.

In addition, when the mother's payment account does not exist, the mother interacts with a transaction message (transfer request message, 821), or interacts with the interaction area at the bottom of the transaction message (transfer request message, 821) , A screen may be displayed in which the mother can register the payment account.

FIG. 9 is an illustration of a screen of a user terminal when performing a 'group transfer' payment transaction in an instant message application according to an embodiment of the present invention.

Referring to FIG. 9, a screen 910 indicates that the user selects to transfer the group for the amount of 32400 won, and inputs the total amount with the members participating in the group transfer. After the user inputs the total amount of 32400 won, a buddy list may be output to select the members participating in the group remittance, as shown in screen 920. At this time, the user can select the friends A and D as members, and in this case, as shown in the screen 930, the user, friends A and D can be finally determined as the members participating in the group remittance .

At this time, as shown in the screen 940, the personal pay amount of 32400/3 = 10800 won can be automatically calculated for each of the user, friends A and D, and the calculated personal pay amount is remitted to a third party can do. Here, the third party may be an online seller or an offline seller, and may be any one of the user, the friends A and D.

Each user, friend A, and D can send a personal payment of W10,800 to a third party by using the respective payment accounts, and an indication as to whether or not the user, friend A, and D, respectively, have transferred W10,800 to a third party May be provided through an instant messenger application. For example, an instant message may be output indicating whether the user, friends A, and D respectively have sent 10800 won to a third party in the chat room where the user, friends A and D participate, A graphical effect can be applied which indicates whether or not each of them has transferred 10800 won to a third party.

10 illustrates a screen of a user terminal after a payment transaction is completed according to an embodiment of the present invention.

Referring to the screen 1010 of FIG. 10, the user can check the deposit / withdrawal record of the payment account through the instant messenger application. That is, as shown in screen 1020, a record may be provided to the user for all payment transactions, which may include information about the other party of the payment transaction, information about time, information about the amount, Lt; / RTI > In addition, the user can selectively check only the withdrawal record or the deposit record.

Also, referring to screen 1030, the user may check transaction records for each of the friends of the instant message service. For example, as shown in screen 1030, the user can confirm receipt and payment records for friends A, B, C,

11 is a block diagram illustrating an example of a computing device implemented as a user terminal, an IMS server, or a payment server in accordance with one embodiment of the present invention.

The apparatus for implementing the system described above may be implemented as a hardware component, a software component, and / or a combination of hardware component and software component. For example, the apparatus and components described in the embodiments may be implemented within a computer system, such as, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate array (FPGA) , A programmable logic unit (PLU), a microprocessor, or any other device capable of executing and responding to instructions. The processing device may execute an operating system (OS) and one or more software applications running on the operating system. The processing device may also access, store, manipulate, process, and generate data in response to execution of the software. For ease of understanding, the processing apparatus may be described as being used singly, but those skilled in the art will recognize that the processing apparatus may have a plurality of processing elements and / As shown in FIG. For example, the processing unit may comprise a plurality of processors or one processor and one controller. Other processing configurations are also possible, such as a parallel processor.

11 is a block diagram for explaining an example of an internal configuration of a computer system in an embodiment of the present invention. For example, the user terminal and / or server described above may be implemented in the computer system 1100 according to the present embodiment. The computer system 1100 includes at least one processor 1110, at least one memory 1120, a peripheral interface 1130, an input / output system (I / O system) A power unit 1140, a power unit 1150, and a communication unit 1160.

11 is merely an example of a computer system 1100, and the computer system 1100 may further comprise additional components not shown in Fig. 11, or may have a configuration or arrangement to combine two or more components . For example, in addition to the components shown in FIG. 11, a computer system for a mobile terminal may further include a touch screen, a sensor, or the like, and the communication unit 1160 may include a circuit for RF communication. Components that may be included in computer system 1100 may be implemented in hardware, software, or a combination of both hardware and software, including one or more signal processing or application specific integrated circuits.

The memory 1120 can include, for example, a high-speed random access memory, a magnetic disk, a SRAM, a DRAM, a ROM, a flash memory, or a non-volatile memory. have. Memory 1120 may include software modules, a set of instructions, or various other data required for operation of computer system 1100. At this time, accessing the memory 1120 from other components, such as the processor 1110 or the peripheral device interface 1130, may be controlled by the processor 1110.

The peripheral device interface 1130 may couple the input and / or output peripheral devices of the computer system 1100 to the processor 1110 and the memory 1120. Processor 1110 may execute a variety of functions and process data for computer system 1100 by executing a software module or set of instructions stored in memory 1120. [

The input / output system 1140 may couple various input / output peripheral devices to the peripheral interface 1130. For example, the input / output system 1140 may include a controller for coupling a peripheral device, such as a monitor, keyboard, mouse, printer, or a touch screen or sensor, to the peripheral interface 1130 as needed. According to another aspect, the input / output peripheral devices may be coupled to the peripheral device interface 1130 without going through the input / output system 1140.

The power unit 1150 may supply power to all or a portion of the components of the terminal. For example, the power circuitry 1150 may include one or more power sources, such as a power management system, a battery or alternating current (AC), a charging system, a power failure detection circuit, a power converter or inverter, And any other components for power generation, management, and distribution.

The communication unit 1160 may enable communication with another computer system using at least one external port. Alternatively, as described above, the communication unit 1160 may communicate with another computer system by transmitting / receiving an RF signal, which is also called an electromagnetic signal, including an RF circuit, if necessary.

The software may include a computer program, code, instructions, or a combination of one or more of the foregoing, and may be configured to configure the processing device to operate as desired or to process it collectively or collectively Device can be commanded. The software and / or data may be in the form of any type of machine, component, physical device, virtual equipment, computer storage media, or device , Or may be permanently or temporarily embodied in a transmitted signal wave. The software may be distributed over a networked computer system and stored or executed in a distributed manner. The software and data may be stored on one or more computer readable recording media.

The method according to an embodiment may be implemented in the form of a program command that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions to be recorded on the medium may be those specially designed and configured for the embodiments or may be available to those skilled in the art of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape; optical media such as CD-ROMs and DVDs; magnetic media such as floppy disks; Magneto-optical media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments. For example, it is to be understood that the techniques described may be performed in a different order than the described methods, and / or that components of the described systems, structures, devices, circuits, Lt; / RTI > or equivalents, even if it is replaced or replaced.

Therefore, other implementations, other embodiments, and equivalents to the claims are also within the scope of the following claims.

Claims (18)

A payment processing method using an instant messaging service,
Obtaining information about at least one second user for a payment transaction of a first user and a chat room created through an instant messenger application between the first user and the first user;
Updating a payment account of the first user and a payment account of each of the at least one second user in response to processing the payment transactions of the first user; And
Outputting a message relating to the processing of the payment transaction of the first user through the chat room
Wherein the instant messaging service comprises: The method according to claim 1,
Obtaining a payment account of the first user and a payment account of each of the at least one second user from the payment account database in response to the payment transaction of the first user occurring,
Further comprising:
Wherein the payment account database is matched to the payment account of the first user and the account of the instant message service of the first user. The method according to claim 1,
The payment transaction of the first user
A transfer transaction in which the first user transfers funds to the at least one second user;
A transfer requesting transaction in which the at least one second user requests transfer of funds to the first user; or
Wherein the group including the first user and the at least one second user transfers funds to a third party,
Wherein the instant messaging service comprises at least one of instant messaging service and instant messaging service. The method according to claim 1,
When the first user requests processing of a payment transaction in a particular chat room, using at least one of the second chat users included in the particular chat room using the information for the particular chat room, Identifying as one second user
Wherein the instant messaging service comprises: The method according to claim 1,
In response to the payment transaction of the first user occurring, determining whether a chat room exists between the first user and the at least one second user;
If the chat room does not exist, creating a new chat room;
Further comprising:
The step of acquiring information about the chat room
And acquiring information on the new chat room or a chat room that already exists. The method according to claim 1,
The chat room
Information about an account of the first user and the at least one second user for the instant message service or a unique identification number of the chat room. The method according to claim 1,
The message associated with the processing of the payment transaction
A first user editing area including at least one of text, images or video edited by the first user, and a fixed format area generated in a fixed format in response to the payment transaction being processed. A payment processing method using a message service. 8. The method of claim 7,
Wherein the first user editing area and the fixed format area are included in one balloon. The method according to claim 1,
Providing at least three options in a chat room between the first user and the at least one second user,
The three options
An option to select a transfer transaction in which the first user transfers funds to the at least one second user;
An option for selecting a remittance request transaction in which the at least one second user requests transfer of funds to the first user; And
Wherein the group including the first user and the at least one second user transfers funds to a third party.
Wherein the instant messaging service is a payment processing method using an instant message service. The method according to claim 1,
Sensing an interaction of the first user with a message transmitted or received between the first user and the at least one second user during processing of the payment transactions of the first user; And
Proceeding with the processing of the payment transaction based on the interaction of the first user
Wherein the instant message service further comprises an instant message service. The method according to claim 1,
If the payment transaction of the first user is a remittance request transaction in which the at least one second user requests transfer of funds to the first user,
Extracting a remittance request amount included in the remittance request message transmitted from the at least one second user to the first user; And
Transferring the remittance request amount from the payment account of the first user to the payment account of the at least one second user based on the determination of the first user for the remittance request message
Wherein the instant messaging service comprises: 12. The method of claim 11,
Determining whether a payment account of the first user exists after the transfer request message is transmitted from the at least one second user to the first user
Wherein the instant message service further comprises an instant message service. The method according to claim 1,
The message associated with the processing of the payment transaction of the first user
A value remaining in the payment account of the first user, a change in value remaining in the payment account, an amount associated with the payment transaction, or information on whether the payment transaction has been successfully completed. A method of processing a payment using an instant messaging service. The method according to claim 1,
Providing a buddy list of the first user for the instant message service; And
Initiating a payment transaction between the at least one second user and the first user selected from the buddy list of the first user
Wherein the instant message service further comprises an instant message service. The method according to claim 1,
If the transaction of the first user is a group remittance transaction for transferring funds to a third party including the first user and the at least one second user,
Selecting the at least one second user among a plurality of first users included in the buddy list of the first user or a plurality of first users participating in the chat room;
Calculating a burden of each of the first user and the at least one second user for the total amount based on the number of the first user and the at least one second user; And
Processing a payment transaction for the burden of each of the first user and the at least one second user
Wherein the instant message service further comprises an instant message service. 16. The method of claim 15,
Determining whether the payment transaction has been performed by the first user and the at least one second user, respectively; And
Outputting an indicator as to whether the payment transaction has been performed
Wherein the instant message service further comprises an instant message service. A payment server included in a payment processing system using an instant messaging service,
The payment processing system
An instant message service server for the instant message service;
A terminal of a first user who executes an instant messenger application for the instant message service; And
The payment server processing the payment transaction of the first user
Lt; / RTI >
The payment server
A module for obtaining at least one second user for the payment transaction of the first user and information about the chat room created through the instant messenger application between the first user;
A module for updating the payment account of the first user and the payment account of each of the at least one second user in response to processing the payment transactions of the first user; And
And a module for communicating with the instant messenger server such that a message related to the processing of the payment transaction of the first user is output through the chat room. A computer-readable recording medium storing instructions for causing a computer to execute a payment processing method using an instant messaging service,
The method
Obtaining information about at least one second user for a payment transaction of a first user and a chat room created through an instant messenger application between the first user and the first user;
Updating a payment account of the first user and a payment account of each of the at least one second user in response to processing the payment transactions of the first user; And
Outputting a message relating to the processing of the payment transaction of the first user through the chat room
Readable recording medium.

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