News Column

Patent Application Titled "Group Payment" Published Online

August 28, 2014



By a News Reporter-Staff News Editor at Politics & Government Week -- According to news reporting originating from Washington, D.C., by VerticalNews journalists, a patent application by the inventors PARK, Jong-Han (Seoul, KR); KIM, Dong-Wan (Seoul, KR); LEE, Min-Gu (Gyeonggi-do, KR); CHOI, Ra-Woon (Seoul, KR), filed on February 7, 2014, was made available online on August 14, 2014.

The assignee for this patent application is Kt Corporation.

Reporters obtained the following quote from the background information supplied by the inventors: "The present disclosure relates to making a payment using user equipment and, more particularly, to making a group payment using user equipment. A smartphone has various features including a near field communication (NFC) feature. Such NFC feature of the smartphone enables consumers to purchase goods or services from a merchant conveniently. For example, consumers can make a payment for purchasing goods or services using payment instruments stored in their smartphones (e.g., universal subscriber identity module (USIM) card) not only from stores but also from online shopping sites."

In addition to obtaining background information on this patent application, VerticalNews editors also obtained the inventors' summary information for this patent application: "This summary is provided to introduce a selection of concepts in a simplified form that is further described below in the Detailed Description. This summary is not intended to identify key features or essential features of the claimed subject matter, nor is it intended to be used to limit the scope of the claimed subject matter.

"Embodiments of the present invention overcome the above disadvantages and other disadvantages not described above. Also, the present invention is not required to overcome the disadvantages described above, and an embodiment of the present invention may not overcome any of the problems described above.

"In accordance with an aspect of the present embodiment, a group payment may be made through user equipment having a touch screen based on a predetermined pattern of touch inputs.

"In accordance with another aspect of the present invention, a group payment may be made through one user equipment by receiving payment instrument information from the others.

"In accordance with at least one embodiment, a method may be provided for making a group payment by first user equipment. The method may include receiving, as a primary user equipment for a group payment, information on payment instruments from member user equipments upon generation of a predetermined event, generating group payment information based on the received payment instrument information transmitted from the member user equipments, information on a payment instrument stored in and selected by the primary user equipment, and payment information received from a payment terminal, and transmitting the generated group payment information to a service server for making a group payment.

"The method may further include producing and displaying a graphic user interface that enables a user to set the first user equipment as one of a member user equipment and a primary user equipment and setting the first user equipment as the primary user equipment in response to a user input.

"The method may further include producing and displaying a graphic user interface that enables a user to set the first user equipment as one of a member user equipment and a primary user equipment, setting the first user equipment as the member user equipment in response to a user input, selecting one of payment instruments stored in the first user equipment in response to a user input, and transmitting the selected payment instrument information to a primary user equipment upon generation of the predetermined event. The predetermined event may include detecting the primary user equipment located in a predetermined distance and receiving a user input that activates a group payment service application installed in the first user equipment.

"The receiving may include receiving a tagging input made by each member user equipment and receiving payment instrument information through near field communication.

"The payment instrument information includes information on a name of a payment instrument, a payment instrument account number, an expiration date, a security code, a pin number, and an Internet address of an associated financial transaction server.

"The generating group payment information may include obtaining payment information from a payment terminal upon generation of the predetermined event.

"The payment terminal information may include information on a merchant, a payment amount, a purchasing date and time, a purchased good or a service.

"The generating group payment information may be initiated by receiving a dragging input that drags payment instrument icons to a group payment icon.

"The generating group payment information may include receiving a user selection input for selecting at least one of the payment instrument information received from the member user equipments, receiving a user selection input for selecting one of payment instruments stored in the primary user equipment, and generating a group payment request to include the selected payment instrument information of the member user equipments, the selected payment instrument information of the primary user equipment, the payment information from the payment terminal, and a default splitting rate.

"The generating group payment information further may include displaying a graphic user interface for enabling the user to set a splitting rate for the group payment, setting the splitting rate for the group payment in response to a user input received through the graphic user interface, and including the splitting rate into the group payment request.

"In response to the group payment request, the service server may be configured to request a corresponding financial transaction server to process an each split portion of a payment amount with an associated payment instrument based on information included in the group payment request, to receive a processing result from the corresponding financial transaction server, and to transmit the received processing result to the primary user equipment, the member user equipments, and the payment terminal.

"In accordance with at least one embodiment, user equipment may be provided for a group payment service. The user equipment may be configured to receive, as a primary user equipment for a group payment, information on payment instruments from member user equipments upon generation of a predetermined event, to generate group payment information based on the received payment instrument information transmitted from the member user equipments, information on a payment instrument stored in and selected by the primary user equipment, and payment information received from a payment terminal, and to transmit the generated group payment information to a service server for making a group payment.

BRIEF DESCRIPTION OF THE DRAWINGS

"The above and/or other aspects of the present invention will become apparent and more readily appreciated from the following description of embodiments, taken in conjunction with the accompanying drawings, of which:

"FIG. 1 illustrates a group payment service in accordance with at least one embodiment;

"FIG. 2 illustrates registration for a group payment service in accordance with at least one embodiment;

"FIG. 3 illustrates producing and displaying a payment instrument icon in accordance with at least one embodiment;

"FIG. 4 illustrates performing a group payment in accordance with at least one embodiment;

"FIG. 5 illustrates a graphic user interface of user equipment for initiating a group payment procedure in accordance with at least one embodiment;

"FIG. 6 illustrates a graphic user interface of member user equipment for selecting and transmitting payment instrument information from member user equipment to primary user equipment in accordance with at least one embodiment;

"FIG. 7 illustrates a graphic user interface of primary user equipment for setting up information on a group payment in accordance with at least one embodiment;

"FIG. 8 illustrates obtaining information from a payment terminal in accordance with at least one embodiment;

"FIG. 9 illustrates a graphic user interface for making a group payment by transmitting payment instrument information to a service server in accordance with at least one embodiment; and

"FIG. 10 illustrates user equipment for a group payment in accordance with at least one embodiment."

For more information, see this patent application: PARK, Jong-Han; KIM, Dong-Wan; LEE, Min-Gu; CHOI, Ra-Woon. Group Payment. Filed February 7, 2014 and posted August 14, 2014. Patent URL: http://appft.uspto.gov/netacgi/nph-Parser?Sect1=PTO2&Sect2=HITOFF&u=%2Fnetahtml%2FPTO%2Fsearch-adv.html&r=965&p=20&f=G&l=50&d=PG01&S1=20140807.PD.&OS=PD/20140807&RS=PD/20140807

Keywords for this news article include: Kt Corporation.

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Source: Politics & Government Week


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