KR101120547B1 - Online Settlement System for understanding a two dimensions-bar code and Method of the Same - Google Patents

Abstract

The present invention discloses an online payment service technology. That is, a two-dimensional barcode recognition online payment system and method thereof according to an embodiment of the present invention compares user login information and personal information of a communication terminal photographing a two-dimensional barcode during online payment, and the user login information and the personal information coincide with each other. By completing the online payment only, it is possible to quickly and accurately determine whether the actual purchaser is the real payment agent and not go through a separate certification process, thereby increasing the reliability of the credit transaction that is paid online.
In addition, the present invention can save as much time and cost as necessary for the user authentication procedure that is necessarily executed during the credit transaction because the credit transaction is completed only by the matching relationship between the user login information and personal information without a separate authentication process. .
In addition, the present invention prevents the actual information of the user of the actual payment when the payment is made by the actual payment to pay the goods in advance, and further increase the utilization rate for the online payment and product sales rate to increase sales It raises expectations and contributes to corporate profit creation and industrial development.

Description

Online Settlement System for understanding a two dimensions-bar code and Method of the Same}

The present invention relates to an online payment service technology of the present invention, and in particular, compares the user login information and the personal information of the communication terminal photographing the two-dimensional bar code during the online payment to complete the online payment only when the user login information and the personal information match each other. The present invention relates to a two-dimensional barcode recognition online payment system and a method thereof.

With the development of the Internet, electronic commerce (EC) is rapidly developing, and various contents are being developed for this purpose.

Electronic commerce (EC) can be further divided into business-to-business (B2B) and business-to-consumer (B2C) business-to-consumer (B2Bc) e-commerce. It can be divided into offline transactions, which are ordered electronically and delivered to consumers through physical transportation processes, and online transactions, which are ordered formless products such as software, movies and music electronically and delivered to the audience by electronic download. have.

These e-commerce not only supports differentiated services to consumers in accordance with their various needs and consumption tendencies, but also creates a business opportunity for merchandise to secure an infinite network of sales regions around the world at low cost.

Recently, the e-commerce business using the Internet cyber space has been actively promoted. The e-commerce companies frequently execute various incentive events such as discounts on usage fees, products, and prizes for netizens' membership. It is true that there is intense marketing competition among companies.

As a result, companies operating the site are paying enormous expenses for operating various incentive-providing events and building free-use contents, but all of them do not exceed the same level due to competition among vendors. There is a problem in that there is a limit to not being able to provide real-time information and tempting events that can be fascinated.

In addition, the rapid development of online commerce is a characteristic of the distribution structure with off-line commerce practices and customs built over hundreds of years, causing users vertical and horizontal conflicts between producers, sellers and consumers. Increasing proportions are not only showing signs of deepening, but also causing online illicit transactions.

The reason for this is that there is a traditional offline distribution structure and its customary tradition, where a complete online commerce system cannot yet be established.

As a result, a new model that combines the characteristics of offline and online, a hub portal site that can focus the attention and attention of netizens and general customers to activate the marketing by memberizing current and future customers, and new Fusion Marketing (Fusion) Withdrawal and invention of BM (business model) called Marketing is needed.

The two-dimensional barcode recognition online payment system and method thereof of the present invention have been devised to solve the problems of the prior art. The first object of the present invention is the user login information and the personal information of the communication terminal photographing the two-dimensional barcode during online payment. By comparing the data with each other and completing the online payment only if the user login information and the personal information match each other, so that the actual purchaser is a real payment agent and can quickly and accurately identify the online transaction. To increase the reliability even more.

In addition, the second object of the present invention is to maximize the time and cost required for the user authentication process that must be executed during the credit transaction because the credit transaction is completed only by the matching relationship between the user login information and personal information without a separate authentication process To save.

In addition, the third object of the present invention is to prevent the leakage of the user information of the actual payment to the outside in advance, if the actual payment to pay the purchaser to purchase the goods online, further increase the utilization rate and product sales rate for online payment It is to raise expectations for sales growth and to contribute to corporate profit creation and industrial development.

The present invention for achieving the above object includes the following configuration.

That is, the two-dimensional barcode recognition online payment system according to an embodiment of the present invention, when a product sold online is selected in a web shopping mall, receives login information of a user who wants to purchase the selected product, and the login information and pre-registered. A web shopping mall management server that determines whether the first personal information matches the first personal information; As the web shopping mall management server recognizes that the ID and password checked from the login information and the ID and password previously stored in the first personal information are identical with each other, the selected product is transferred to the web shopping mall to be credited online. An accredited authentication server for permitting accredited authentication of the accessing user; A two-dimensional barcode sending server for sending a two-dimensional barcode donated to the paid product to the first communication terminal IP address as a credit transaction of the selected product is settled by the first communication terminal of the authorized user; When the two-dimensional barcode input to the first communication terminal is photographed by a camera mounted on the second communication terminal of the authorized user, the photographed two-dimensional barcode and the telephone number information of the second communication terminal are displayed. A personal information matching server which is automatically notified through a wired / wireless communication network connected to a communication terminal and compares first personal information obtained through the path tracking in which the two-dimensional barcode is generated with second personal information of the second communication terminal; And as the personal information matching server confirms that the first personal information and the second personal information coincide with each other, change the incomplete state of the paid product to a completed state, and then send a message indicating that the payment of the paid product is completed. The payment completion notification server generates and delivers to at least one of the first communication terminal and the second communication terminal.

In addition, the two-dimensional barcode recognition online method according to an embodiment of the present invention, when the product sold on the web shopping mall is selected, the web shopping mall management server to receive the login information of the user to purchase the selected product; Determining, by the web shopping mall management server, whether the login information matches the pre-registered first personal information; Determining, by the web shopping mall management server, that the ID and password identified from the login information coincide with the ID and password previously stored in the first personal information; Authorizing, by the accredited authentication server, the accredited authentication of the user who has accessed the web shopping mall so that the selected product is credited online; As the credit transaction of the selected product is settled by the first communication terminal of the authorized user, sending a two-dimensional bar code donated to the settled product to the first communication terminal IP address by the two-dimensional barcode sending server; Photographing a two-dimensional barcode input to the first communication terminal by a camera mounted on a second communication terminal of the authorized user; Automatically receiving, by the personal information matching server, the photographed two-dimensional barcode and the telephone number information of the second communication terminal through a wired / wireless communication network previously connected to the second communication terminal; Comparing, by the personal information matching server, the first personal information obtained through the path tracking in which the two-dimensional barcode is generated and the second personal information of the second communication terminal; Confirming, by the personal information matching server, the first personal information and the second personal information match each other; Changing, by the payment completion notification server, an incomplete state for the paid product to a completed state; And generating, by the payment completion notification server, a message informing that the payment of the paid product is completed and delivering the message to at least one of the first communication terminal and the second communication terminal.

The present invention provides a two-dimensional barcode recognition online payment system and method for completing online payment only when the user login information and the personal information match each other by comparing the user login information and the personal information of the communication terminal that photographed the two-dimensional barcode during online payment. This enables a faster and more accurate determination of whether the actual purchaser is a real buyer or a separate authorized certification process, thereby increasing the reliability of credit transactions that are settled online.

In addition, the present invention provides a second method for maximizing the time and cost required for the user authentication procedure that is executed at the time of the credit transaction because the credit transaction is completed only by the matching relationship between the user login information and the personal information without a separate authentication process. Give effect.

In addition, the present invention prevents the actual information of the user of the actual payment when the payment is made by the actual payment to pay the goods in advance, and further increase the utilization rate for the online payment and product sales rate to increase sales It raises expectations and has a third effect that contributes to corporate profit creation and industrial development.

1 is a diagram illustrating a two-dimensional barcode recognition online payment system according to an embodiment of the present invention.
2 is a diagram illustrating a personal information matching server included in a two-dimensional barcode recognition online payment system according to an exemplary embodiment of the present invention.
3 is a diagram illustrating a payment completion notification server included in the two-dimensional barcode recognition online payment system according to an embodiment of the present invention.
4 is a flowchart illustrating a two-dimensional barcode recognition online payment method according to an embodiment of the present invention.

[Example]

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a two-dimensional barcode recognition online payment system according to an embodiment of the present invention.

Referring to FIG. 1, the two-dimensional barcode recognition online payment system 1000 compares user login information and personal information of a communication terminal photographing a two-dimensional bar code at the time of online payment, and compares the user login information with the personal information online only. The system for completing payment includes a web shopping mall management server 100, an authorized authentication server 200, a two-dimensional barcode sending server 300, a personal information matching server 600, and a payment completion notification server 700.

First, when a product sold online is selected in a web shopping mall, the web shopping mall management server 100 receives login information of a user who wants to purchase the selected product, and confirms whether the login information matches the registered first personal information. Determine whether or not.

The web shopping mall management server 100 inputs the user's login information (including an ID and password) inputted using a login window pre-configured in the web shopping mall to access the web shopping goods, and the user's information obtained through the member registration procedure in advance. 1 Compare personal information.

The web shopping mall management server 100 matches the ID and password checked from the login information and the ID and password previously stored in the first personal information, respectively, to match each other.

At this time, only when the web shopping mall management server 100 confirms that the ID and password checked from the login information and the ID and password previously stored in the first personal information match each other, the authorized authentication server 200 does not select the selected product online. Authorizes authorized users to access web shopping malls for credit transactions on the web.

The authentication server 200 verifies the identity of the user accessing the web shopping mall and provides values necessary for login authentication and encryption to secure the security of the web access. And network operators.

Through this, the first authorized terminal communication terminal 400 is authorized to access the web shopping mall provided by the web shopping mall management server 100 from the authorized authentication server 200, the online credit for the product selected by the user You can make a payment through a transaction.

In connection with this, the two-dimensional barcode sending server 300 generates a two-dimensional barcode donated to the paid product, and then sends the generated two-dimensional barcode to the IP address of the first communication terminal 400.

The two-dimensional barcode sending server 300 generates a two-dimensional barcode donated to the credited product, and legally acknowledges that the user having the first communication terminal 400 has all the rights for the product paid online. The two-dimensional barcode, which is a unique identification number, is sent to the IP address of the first communication terminal 400.

Thereafter, the two-dimensional barcode input to the first communication terminal 400 is photographed by a camera mounted on the second communication terminal 500 of a user who has been authenticated.

The reason why the second communication terminal 500 photographs the two-dimensional barcode displayed through the IP address of the first communication terminal 400 is whether the goods paid online are owned by the user who owns the second communication terminal 500. Not only to confirm again, but also to block the transactional acts that are paid online by the user who owns the first communication terminal 400 illegally without the consent of the actual trader.

The personal information matching server 600 is automatically notified of the photographed two-dimensional bar code and the telephone number information of the second communication terminal 500 through a wired / wireless communication network previously connected to the second communication terminal 500, and a path for generating the two-dimensional barcode. The first personal information obtained through the tracking is compared with the second personal information of the second communication terminal 500.

As the personal information matching server 600 confirms that the first personal information and the second personal information match each other, the payment completion notification server 700 changes the incomplete status of the paid product to a completed state and then pays the product. A SmS / MMS message indicating that the conclusion is completed is generated and delivered to at least one of the first communication terminal 400 and the second communication terminal 500.

More specifically, as shown in FIG. 2, the personal information matching server 600 includes a path tracker 610, a data receiver 620, a device identification register 630, a personal information comparer 640, and a signal generator. Part 650 is included.

The path tracking unit 610 receives the first personal information by accessing and tracking the path where the photographed two-dimensional barcode is generated by approaching the two-dimensional barcode sending server.

The data receiver 620 automatically receives the two-dimensional barcode and the telephone number information of the second communication terminal 500 through the wired / wireless communication network.

The equipment identification register 630 may query the phone number of the second communication terminal 500 to identify whether the device is one of illegally distributed communication terminals.

The equipment identification register 630 is a database having unique information related to the identification of the communication terminal in order to prevent illegal calls or use of the illegally distributed communication terminal, and selects whether the second communication terminal 500 is genuine.

The personal information comparison unit 640 compares the first personal information and the second personal information only when the identified second communication terminal 500 is identified as a legally registered communication terminal.

The signal generator 650 generates a payment completion signal for approving the paid product if the first personal information and the second personal information match, and disapproves the paid product if the first personal information and the second personal information do not match. Generate a payment not closed signal.

In addition, the payment completion notification server 700, as shown in Figure 3, the product payment final check unit 710 and the message generating unit 720.

The product payment final checker 710 receives the payment completion signal from the signal generation unit 720 and changes the incomplete status of the paid product to the completed state, and receives the payment uncompleted signal, the incomplete status of the paid product. Forces the initialization to the state before payment.

The message generator 720 generates a first Short Message Service (SMS) message or a first MMS (Multimedia Message Service) message indicating that the product is concluded when the payment is concluded.

In addition, the message generator 720 generates a second Short Message Service (SMS) message or a second MMS (Multimedia Message Service) message indicating that the product is concluded when the payment is concluded.

4 is a flowchart illustrating a two-dimensional barcode recognition online payment method according to an embodiment of the present invention.

Referring to FIG. 4, in the two-dimensional barcode recognition online payment method, online payment is completed only when the user login information and the personal information match each other by comparing the user login information and the personal information of the communication terminal that photographed the two-dimensional barcode during online payment. This is how you do it.

First, when a product sold online is selected in a web shopping mall, the web shopping mall management server receives login information of a user who wants to purchase the selected product (S10).

The web shopping mall management server determines whether the login information matches the registered first personal information (S20).

The web shopping mall management server recognizes that the ID and password checked from the login information and the ID and password previously stored in the first personal information match each other (S30).

The accredited authentication server permits the accredited authentication of the user accessing the web shopping mall so that the selected product is credited online (S40).

As the credit transaction of the selected product is settled by the first communication terminal of the authorized user, the two-dimensional barcode sending server sends the two-dimensional barcode donated to the settled product to the first communication terminal IP address (S50 and S60).

The two-dimensional barcode input to the first communication terminal is photographed by a camera mounted on the second communication terminal of a user who has been authenticated (S70).

The personal information matching server is automatically notified of the photographed two-dimensional barcode and the telephone number information of the second communication terminal through a wired / wireless communication network connected to the second communication terminal, and then obtained through the path tracking in which the two-dimensional barcode is generated. The information is compared with the second personal information of the second communication terminal (S80 and S90).

The personal information matching server confirms that the first personal information and the second personal information match each other (S100).

The payment completion notification server changes the incomplete status of the paid product to the completed state and generates an SMS / MMS message indicating that the payment of the paid product is completed and delivers it to at least one of the first communication terminal and the second communication terminal (S110). , S120).

The two-dimensional barcode recognition online payment system according to an embodiment of the present invention performs additional operations as described below.

The personal information matching server of the two-dimensional barcode recognition online payment system includes a path tracking unit, a data receiver, an equipment identification register, a personal information comparison unit, and a signal generator.

That is, the path tracking unit receives the first personal information by approaching the 2D barcode sending server to track the path where the photographed 2D barcode is generated.

The data receiver automatically receives the two-dimensional barcode and the telephone number information of the second communication terminal through the wired / wireless communication network.

The equipment identification register identifies the telephone number of the second communication terminal and identifies whether it is one of illegally distributed communication terminals.

The personal information comparison unit compares the first personal information and the second personal information only when the identified second communication terminal is identified as a legally registered communication terminal.

The signal generator generates a payment completion signal for approving the paid product when the first personal information and the second personal information match, and generates a non-payment signal for disapproving the paid product when the first personal information and the second personal information are inconsistent. Let's do it.

Also, the payment completion notification server of the two-dimensional barcode recognition online payment system includes a product payment final checker and a message generator.

In other words, the final settlement of the product payment checker changes the incomplete status of the paid product to the completed state when receiving the payment completion signal from the signal generation unit, and when the payment completion signal is received, sets the incomplete status of the paid product before the product payment. Forced initialization

The message generating unit generates a first SMS message or a first MMS message indicating that the conclusion of the goods is completed when confirming that the payment of the goods is completed, and a second SMS message indicating that the goods is not concluded when the payment of the goods is concluded. Generate a second MMS message.

Although the above has been described with reference to a preferred embodiment of the present invention, those skilled in the art will be able to variously modify and change the present invention without departing from the spirit and scope of the invention as set forth in the claims below. Will understand.

1000: two-dimensional barcode recognition online payment system
100: web shopping mall management server 200: authorized authentication server (200)
300: two-dimensional barcode sending server 600: personal information matching server
700: payment completion notification server

Claims (8)

A web shopping mall management server configured to receive login information of a user who wants to purchase the selected product when a product sold online is selected in a web shopping mall, and determine whether the login information is identical to the previously registered first personal information;
As the web shopping mall management server recognizes that the ID and password checked from the login information and the ID and password previously stored in the first personal information are identical with each other, the selected product is transferred to the web shopping mall to be credited online. An accredited authentication server for permitting accredited authentication of the accessing user;
A two-dimensional barcode sending server for sending a two-dimensional barcode donated to the paid product to the first communication terminal IP address as a credit transaction of the selected product is settled by the first communication terminal of the authorized user;
When the two-dimensional barcode input to the first communication terminal is photographed by a camera mounted on the second communication terminal of the authorized user, the photographed two-dimensional barcode and the telephone number information of the second communication terminal are displayed. A personal information matching server which is automatically notified through a wired / wireless communication network connected to a communication terminal and compares first personal information obtained through the path tracking in which the two-dimensional barcode is generated with second personal information of the second communication terminal; And
As the personal information matching server confirms that the first personal information and the second personal information coincide with each other, a message indicating that the settlement of the paid product is completed after changing the incomplete state of the paid product to the completed state. A payment completion notification server that generates and delivers to at least one of the first communication terminal and the second communication terminal,
The personal information matching server,
A path tracking unit provided with the first personal information by tracking the path where the photographed 2D barcode is generated by approaching the 2D barcode sending server;
A data receiving unit for automatically receiving the two-dimensional barcode and the telephone number information of the second communication terminal through the wired / wireless communication network;
An equipment identification register for identifying whether one of the communication terminals is illegally distributed by inquiring a phone number of the second communication terminal;
A personal information comparison unit comparing the first personal information with the second personal information only when the identified second communication terminal is identified as a legally registered communication terminal; And
If the first personal information and the second personal information coincide, a payment completion signal for approving the paid product is generated, and if the first personal information and the second personal information are inconsistent, the payment is not terminated. Two-dimensional barcode recognition online payment system further comprises a signal generator for generating a signal
delete According to claim 1, The payment completion notification server,
When the payment completion signal is received from the signal generator, the uncompleted state of the paid product is changed to the completed state, and when the uncompleted payment signal is received, the uncompleted state of the paid product is forced to the state before the product payment. Two-dimensional barcode recognition online payment system further comprises a final product payment check to initialize the initialization.
The method of claim 1 or 3, wherein the payment completion notification server,
When confirming that the payment is completed, the first SMS message or the first MMS message to indicate that the completion of the goods is generated, and when the confirmation of the payment is not completed, the second SMS message indicating that the goods is not concluded Or a message generating unit for generating a second MMS message.
When a product sold online is selected in a web shopping mall, receiving, by the web shopping mall management server, login information of a user who wants to purchase the selected product;
Determining, by the web shopping mall management server, whether the login information matches the pre-registered first personal information;
Determining, by the web shopping mall management server, that the ID and password identified from the login information coincide with the ID and password previously stored in the first personal information;
Authorizing, by the accredited authentication server, the accredited authentication of the user who has accessed the web shopping mall so that the selected product is credited online;
As the credit transaction of the selected product is settled by the first communication terminal of the authorized user, sending a two-dimensional bar code donated to the settled product to the first communication terminal IP address by the two-dimensional barcode sending server;
Photographing a two-dimensional barcode input to the first communication terminal by a camera mounted on a second communication terminal of the authorized user;
Automatically receiving, by the personal information matching server, the photographed two-dimensional barcode and the telephone number information of the second communication terminal through a wired / wireless communication network previously connected to the second communication terminal;
Comparing, by the personal information matching server, the first personal information obtained through the path tracking in which the two-dimensional barcode is generated and the second personal information of the second communication terminal;
Confirming, by the personal information matching server, the first personal information and the second personal information match each other;
Changing, by the payment completion notification server, an incomplete state for the paid product to a completed state; And
And generating, by the payment completion notification server, a message informing that the payment of the paid product is completed and delivering the message to at least one of the first and second communication terminals.
Instrument cost in the personal information matching server,
Receiving a first personal information by tracking a path of the photographed two-dimensional barcode generated by approaching the two-dimensional barcode sending server;
A data receiving unit automatically receiving the two-dimensional barcode and the telephone number information of the second communication terminal through the wired / wireless communication network;
Identifying whether the device identification register is one of illegally distributed communication terminals by querying the telephone number of the second communication terminal;
Comparing, by the personal information comparison unit, the first personal information and the second personal information only when the identified second communication terminal is identified as a legally registered communication terminal; And
The signal generator generates a payment completion signal for approving the paid product when the first personal information and the second personal information match, and disapproves the paid product when the first personal information and the second personal information are inconsistent. The method of claim 2 further comprising the step of generating a termination signal.
delete The apparatus of claim 5, wherein the apparatus is charged to the payment completion notification server.
Changing an incomplete state for the paid product to a completed state when the product payment final checker receives the payment completion signal from the signal generator; And
2. The method of claim 2, further comprising forcibly initializing an uncompleted state of the paid product to a state before payment of the product when the product payment final check unit receives the payment not completed signal.
The method of claim 5 or 7, wherein the instrument is completed in the payment completion notification server,
Generating a first SMS message or a first MMS message indicating that the product is concluded when the message generator confirms that the product has been concluded; And
And generating a second SMS message or a second MMS message indicating that the product is concluded when the message generation unit confirms that the settlement of the product is incomplete.

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