KR101502041B1 - Method for processing payment data on at least one of item in mobile device and method for processing the same in payment system - Google Patents

Abstract

According to an embodiment of the present invention, a method for controlling a payment system for processing data to pay for one or more items comprises the following steps of: receiving, by a mobile device, a payment barcode issued by a payment server; receiving, by a member store server, a request for an optimal payment inquiry from the mobile device; transmitting, by the member store server, member store authentication information, payment product information, and member information to the payment server; authenticating, by the payment server, the relevant member store and the relevant customer based on the information received from the member store server; sending, by the payment server, a request for additional payment information of the customer to an external server; receiving, by the payment server, the additional payment information of the customer from the external server; calculating, by the payment server, an optimal payment condition based on the received additional payment information; outputting, by the mobile device, the minimum payment according to the optimal payment condition calculated by the payment server; requesting, by the mobile device, the payment server to perform a payment according to the minimum payment based on the outputted optimal payment condition; and performing, by the payment server, the payment according to the payment request by the mobile terminal, and transmitting the payment performing result to the member store server.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a mobile device and a control method of a billing system for processing data for paying at least one item,

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a technology directly related to an electronic transaction, and more particularly to a system for processing data for payment of at least one item, a mobile device, and a PG will be. Also, according to the embodiment of the present invention, it is designed to be applicable also in an NFC (Near Field Communication) environment. That is, instead of the bar code described in the present specification, for example, an embodiment in which a screen of a mobile device is touched with a finger or the like to design data communication between different devices is also within the scope of the present invention. The above-mentioned devices may include, for example, a mobile device, a barcode reader, a POS terminal, a personal computer (PC), and the like.

With the recent technological development, electronic financial transactions have been activated by the spread of the Internet and the like worldwide. Internet banking, cyber banking, and the like exist as an example of the electronic finance, and the Internet banking refers to a banking service in which a home service, a company, etc. can use the service of a bank using the Internet. Furthermore, the terms internet banking and cyber banking are used in combination.

More specifically, for example, a mobile phone or the like is used as a main device used in the above-mentioned electronic banking. However, there are the following problems in the mobile phone which is utilized in the electronic transaction according to the prior art.

First, even if you want to pay a small amount of mobile phone online, SMS text service must be preceded. Therefore, there is an increase in cost due to the SMS text service itself and a limitation that the user has to input the authentication number every time.

In addition, in recent years, there has been a service for solely paying a specific commodity by using gifts or the like, but this is limited to one-time settlement. Furthermore, there is a fatal limit, in principle, as a passive payment method that receives and uses gift cards from the other party.

Furthermore, the mobile payment system of the prior art has a disadvantage in that security and convenience are in conflict.

On the other hand, there is a trend that a user outputs a discount coupon on-line, and the user presents the discount coupon to the store and directly presents the coupon. However, such an offline method has a problem in that a user must purchase a product to which a discount has been applied. Therefore, if a user who prepares a discounted product in advance does not use it within a predetermined period of time, a loss in cost will inevitably occur. In addition, since the user has to output the discount coupon, unnecessary resource waste occurs.

Due to a number of problems described above, electronic transactions for payment using mobile devices on-line or off-line are not activated as expected.

SUMMARY OF THE INVENTION The present invention has been made in order to solve the above-mentioned problems, and an object of the present invention is to provide a solution for mapping all payment means selectable by a user using an integrated bar code.

Another object of the present invention is to provide a system capable of simultaneously solving the problem of security that may occur in the process of using an integrated bar code.

Another object of the present invention is to provide a mobile device and an application for solving the problem of a discount coupon according to the prior art.

A further object of the present invention is to provide a settlement system capable of calculating optimal settlement conditions for settlement and capable of complex settlement and a processing method thereof.

A control method of a mobile device for processing data for payment of at least one item according to an embodiment of the present invention includes the steps of: requesting, by a PG (Payment Gateway) server, data indicative of a first barcode mapped to a payment means step; Receiving data indicative of a first barcode mapped to the payment means from a payment gateway (PG) server; Selecting a merchandise item to be purchased and requesting payment from the PG server; Receiving a payment request from the PG server and outputting the payment result on a screen, wherein the PG server stores the selected item item and the mobile device user information in response to the payment request, Calculates an optimal settlement condition for settlement at a discounted price lower than the settlement amount for the item, and automatically performs settlement based on the calculated optimal settlement condition.

According to another aspect of the present invention, there is provided a method of controlling a billing system for processing data for payment of at least one item, the method comprising: receiving a payment barcode issued from a payment server; The merchant server receiving an optimal payment amount inquiry request from the mobile device; The merchant server transmits merchant authentication information, payment merchandise information, and membership information to the payment server. The payment server authenticating the merchant and the customer based on the information received from the merchant server; The payment server includes: requesting additional payment information of the customer to the external server; The payment server includes: receiving additional payment information of the customer requested by the external server; The payment server calculates an optimal payment condition based on the received additional payment information; Outputting a minimum payment amount according to an optimal payment condition calculated by the payment server; The mobile device requesting payment to the payment server according to the minimum payment amount according to the output optimal payment condition; And the payment server performs the payment according to the payment request of the mobile device and transmits the payment execution result to the merchant server.

According to another aspect of the present invention, there is provided a method of controlling a payment system for processing data for payment of at least one item, the method comprising: requesting a payment server for data indicative of a first barcode mapped to a payment means; Receiving from the payment server data indicative of a first bar code mapped to the payment means; The web server selecting the item to be purchased, transmitting the web server authentication information, the payment product information, and the customer's member information to the payment server; The payment server authenticating the web server and the customer based on the information received from the web server; The payment server may request the external server for the additional payment information of the authenticated customer; The payment server includes: receiving additional payment information of the customer requested by the external server; The payment server calculates an optimal payment condition based on the received additional payment information; Outputting a minimum settlement amount according to an optimal settlement condition calculated by the settlement server; Requesting the payment server to the payment server according to the minimum payment amount according to the output optimal payment condition; And the payment server performs payment according to the payment request of the web server and transmits the payment result to the web server.

According to an embodiment of the present invention, there is an advantage that a user does not need to carry a card, cultural gift certificate, or the like separately by mapping all the payment means that the user can select using the integrated bar code.

In addition, according to another embodiment of the present invention, there is an advantage that a protocol that can enhance user convenience by using an integrated barcode and simultaneously improve security can be clearly defined.

According to another embodiment of the present invention, it is possible to solve the problem that a user can not accidentally use a discount coupon that is prepaid. Particularly, there are effects that three embodiments for solving this can be obtained in the present invention.

The effects of the more specific invention will be described later in detail in the following table.

FIG. 1 is a diagram schematically illustrating an entire system for processing payment information using an integrated bar code according to an embodiment of the present invention. Referring to FIG.
2 is a flow chart illustrating a process for downloading an application for processing an integrated barcode according to an embodiment of the present invention.
3 is a flowchart illustrating a process of mapping an integrated bar code and payment means according to an embodiment of the present invention.
4 is a flowchart illustrating a process for online settlement using an integrated barcode according to an embodiment of the present invention.
5 is a flowchart illustrating a process of paying off-line using an integrated bar code according to an embodiment of the present invention.
6 is a flowchart illustrating a method of controlling a mobile device for paying a plurality of items using an integrated bar code according to an exemplary embodiment of the present invention.
FIGS. 7A through 7E sequentially illustrate steps of processing graphic data necessary for a process of downloading an application for processing an integrated barcode according to an exemplary embodiment of the present invention.
FIGS. 8A to 8D sequentially illustrate steps of processing graphic data required by a mobile device according to an exemplary embodiment of the present invention in mapping an integrated bar code and payment means.
FIGS. 9A to 9E sequentially illustrate steps of processing graphic data required in a process of making a payment on the off-line by using an integrated barcode according to an embodiment of the present invention.
FIGS. 10A to 10F are views sequentially illustrating steps of processing graphic data required in a process of making a payment on-line using an integrated barcode by a mobile device according to an embodiment of the present invention.
11A to 11E are diagrams showing an OSD screen in which a mobile device according to an embodiment of the present invention processes information settled using an integrated barcode.
FIG. 12 is a diagram illustrating a database (DB) of a mobile device storing payment details for each payment means by addresses according to an embodiment of the present invention.
FIG. 13 is a flowchart illustrating a process of generating a secondary barcode for a discount coupon by a mobile device and a PG server according to another embodiment of the present invention.
14 is a flowchart illustrating a process of generating a secondary barcode for a discount coupon according to another embodiment of the present invention.
15 is a block diagram illustrating the configuration modules of a mobile device according to another embodiment of the present invention in more detail.
16 is a flowchart illustrating a method of controlling a mobile device according to another embodiment of the present invention.
17A to 17J are diagrams illustrating a GUI in which a mobile device displays a secondary bar code for a discount coupon according to another embodiment of the present invention.
FIG. 18 is a flowchart showing the step S1620 of FIG. 16 in more detail according to another embodiment of the present invention.
FIG. 19 is a diagram showing in more detail the position information required in the process of implementing the embodiment of FIG.
20 is a database including a list of specific companies required in the process of implementing the embodiment of FIG.
FIG. 21 is a diagram illustrating a GUI required in the process of implementing the embodiment of FIG.
22 is a diagram for explaining a method for uniquely detecting information of a store in which a mobile device is located, according to another embodiment of the present invention.
23 is a diagram illustrating a GUI required in the process of implementing the embodiment of FIG.
24 is a block diagram of a complex payment processing block according to an embodiment of the present invention.
25 is a flowchart illustrating a method of issuing a settlement bar code according to an embodiment of the present invention.
26 is a flowchart illustrating a complex payment process according to another embodiment of the present invention.
FIG. 27 is a view for explaining an information obtaining method used in a compound settlement process according to an embodiment of the present invention.
28 to 29 are diagrams for explaining a complex settlement scenario according to an embodiment of the present invention.
30 to 32 are diagrams for explaining a complex settlement scenario according to another embodiment of the present invention.

Hereinafter, various embodiments (s) according to the present invention will be described in detail with reference to the accompanying drawings.

The suffix "module" and " part "for the component (s) described in the present specification are given in consideration of the ease of preparing the present specification and the" module " .

BRIEF DESCRIPTION OF THE DRAWINGS The above and other features and advantages of the present invention will be more apparent from the following detailed description taken in conjunction with the accompanying drawings, in which: FIG.

As used herein, terms used in the present invention are selected from general terms that are widely used in the present invention while taking into account the functions of the present invention, but these may vary depending on the intention or custom of a person skilled in the art or the emergence of new technologies. In addition, in certain cases, there may be a term arbitrarily selected by the applicant, in which case the meaning thereof will be described in the description of the corresponding invention. Therefore, it is intended that the terminology used herein should be interpreted based on the meaning of the term rather than on the name of the term, and on the entire contents of the specification.

FIG. 1 is a diagram schematically illustrating an entire system for processing payment information using an integrated bar code according to an embodiment of the present invention. Referring to FIG.

Hereinafter, with reference to FIG. 1, components of an overall system for processing payment information using an integrated barcode will be described.

1, a system according to an exemplary embodiment of the present invention includes a mobile device 100, an application provider 120, a mobile communication company server 140, a PG (Payment Gateway) server 160, A server 180, and the like. However, the scope of the present invention is not limited to all of the components shown in FIG. 1, and it is obvious that the scope of the present invention should be determined by the claims in principle. Furthermore, the approval server 180 may be, for example, a server operated by a credit card company, a cultural gift certificate management company, a bank, or the like, as well as a server providing coupons, a cache, an income deduction rate,

The mobile device 100 transmits a request signal to the PG server 160 to download an application for generating an integrated bar code.

The PG server 160 transmits to the mobile device 100 access information for downloading the application for generating the integrated barcode. Here, the connection information may be, for example, a URL (Uniform Resource Locator) address or the like.

The mobile device 100 downloads the application for generating the integrated barcode from the application provider 120 using the access information. The application provider 120 may be, for example, an Android market, an app store, an obituary, or the like.

The mobile device 100 to which the application is downloaded compares the phone number of the mobile device input by the user with a phone number stored in a Universal Subscriber Identity Module (USIM) of the mobile device.

If the result of the comparison is the same, the mobile device 100 transmits the user information stored in the USIM to the PG server 160.

Meanwhile, the PG server 160 generates a unique number for generating an integrated bar code based on a phone number, user information stored in the USIM of the mobile device 100, and a unique serial number assigned at the time of application creation.

When the unique number is normally received and stored in the mobile device 100, the PG server 160 transmits the generated unique number to the mobile device 100, It is designed to confirm and store the number.

An embodiment for downloading an application for processing an integrated bar code and enhancing security by using a unique number has been described. A more specific method will be described later in detail with reference to FIG.

According to another embodiment of the present invention, the mobile device 100 receives log-in information for mapping the integrated bar code and payment means from the user.

The mobile device 100 transmits the unique number stored in the PG server 160 to the PG server 160 in the above-described embodiment.

If the transmitted unique number is identical to the unique number stored in the PG server 160, the PG server 160 transmits a response signal to the mobile device 100 to acknowledge execution of the application.

The mobile device 100 displays a list of at least one payment means that can be mapped to the integrated bar code and transmits information about the selected payment means to the PG server 160. [

The PG server 160 transmits to the mobile device 100 data indicative of the integrated bar code mapped to the specific payment means.

An embodiment in which the above integrated bar code and the settlement means are mapped has been outlined, and a more detailed method will be described later.

2 is a flow chart illustrating a process for downloading an application for processing an integrated barcode according to an embodiment of the present invention. Hereinafter, a process of downloading and installing an application for processing an integrated barcode according to an embodiment of the present invention will be described with reference to FIG.

A request signal for downloading an application for generating an integrated bar code is transmitted from the mobile device 200 to the PG server 260 (S201). At this time, it may be designed to input the mobile phone number of the mobile device 200 together.

The PG server 260 checks whether it is a legitimate service user by using the mobile phone number received in step S201 (S202). For example, it may determine whether or not it is a legitimate service user through communication with the mobile communication company server 240.

The PG server 260 transmits the access information for downloading the application for creating the integrated barcode to the mobile device 200 (S203). The connection information corresponds to, for example, download URL information.

The mobile device 200 requests downloading of the integrated barcode from the specific application provider 220 to the specific application provider 220 using the access information (S204) S205).

In particular, in the process of implementing steps S204 and S205, when the download URL is accessed, the mobile web is linked to the mobile web, and the mobile web determines the OS (Operating System) of the mobile device. . In such a design, there is an advantage that the user does not have to search for the open market directly.

More specifically, for example, in the case of a mobile device equipped with a first OS, an application for generating an integrated barcode is downloaded by accessing a URL address of a first server corresponding to the first OS.

On the other hand, in the case of a mobile device having a second OS installed therein, the mobile terminal accesses the URL address of the second server corresponding to the second OS and downloads an application for generating an integrated barcode.

If the application is downloaded in step S205, the user of the mobile device 200 inputs the PIN number (S206). However, the above-mentioned PIN number is an embodiment, and it may be designed to input a mobile phone number or the like according to the needs of a person skilled in the art.

The mobile device 200 compares the phone number of the mobile device input by the user with the phone number stored in the USIM of the mobile device (S207).

If the comparison result is the same, the mobile device 200 transmits the user information stored in the USIM to the PG server 260 (S208). As shown in FIG. 2, the user information may be, for example, a resident registration number.

The PG server 260 requests the mobile communication company server 240 to confirm whether the resident registration number and the mobile number are mapped (S209). The mobile communication company server 240 feeds back the confirmation result (S210), and the PG server 260 generates and temporarily stores the unique number for generating the integrated barcode (S211). The unique number for generating the integrated barcode may be generated based on, for example, a phone number stored in the USIM of the mobile device 200, user information, and a unique serial number assigned at the time of application creation.

The generated intrinsic number is transmitted from the PG server 260 to the mobile device 200 in step S212, and the mobile device 200 stores the unique number in step S213.

If it is notified (S214), the PG server 260 also stores the confirmed unique number (S215).

According to the embodiment of the present invention shown in FIG. 2, since the user is authenticated primarily in the step S202 and the user is authenticated in the step S207, the security is enhanced more than the existing mobile payment system.

Furthermore, the unique number is generated by using the user information previously stored in the USIM, the cell phone number, the S / N of the device or the application, and the same mapping is performed to the PG server and the mobile device, There is a unique effect of improving security.

3 is a flowchart illustrating a process of mapping an integrated bar code and payment means according to an embodiment of the present invention. Hereinafter, a process of mapping and registering the integrated bar code and the payment means according to an embodiment of the present invention will be described with reference to FIG. Further, according to another embodiment of the present invention, it is also possible to implement FIG. 3 assuming the steps shown in FIG. For example, it is also within the scope of the present invention to implement the steps shown in FIG. 3 to be executed after steps S201 to S215 shown in FIG.

As shown in FIG. 3, the mobile device 300 receives login information for mapping the integrated bar code and the payment means (S301). The login information includes at least one of, for example, a user ID or a password.

If the login information in step S301 is invalid, that is, if the received login information does not match the predetermined login information, the mobile device 300 counts the number of inconsistencies. If the counted number is equal to or greater than the predetermined reference value, the mobile device 300 deletes the stored application and transmits data indicating that the application has been deleted to the PG server 360. [

Meanwhile, if the login information in step S301 is valid, the mobile device 300 transmits the unique number stored in the mobile device 300 to the PG server 360. FIG. The same reference numerals as those described above will be omitted.

The PG server 360 determines whether the transmitted unique number is the same as the unique number stored in the PG server 360 (S303).

If they are the same, a response signal to approve the execution of the application is transmitted from the PG server 360 to the mobile device 300 (S304).

The mobile device 300 displays a list of at least one payment means capable of mapping with the integrated barcode and receives the related information (S305).

The information about the selected payment means is transmitted from the mobile device 300 to the PG server 360 (S306).

The information on the selected specific payment means includes, for example, additional information necessary for payment using the selected specific payment means. More specifically, for example, when the selected payment means is a credit card, information such as a card number, a card password, and an expiration date is required.

In step S307, the PG server 360 encrypts the payment information transmitted in step S306, and transmits data inquiring whether the payment information is valid to the approval server server 380 in step S308.

The approval server server 380 decrypts the encrypted payment information, determines whether it is valid (S309), and transmits the approval result to the PG server 360 (S310).

The PG server 360 generates data indicative of the integrated barcode mapped to the specific payment means (S311), and transmits the generated data to the mobile device 300 (S312). The data may be designed to include, for example, a barcode PIN number or the like.

3, after step S312, the mobile device 300 converts the data indicative of the integrated barcode mapped to the specific payment means into a format that can be read by the barcode reader. The mobile device 300 is designed to display data in the converted format. In the case of such a design, the integrated barcode can be used semi-permanently in the off-line, and the barcode can be activated only when the user needs it, thereby preventing unexpected settlement.

4 is a flowchart illustrating a process for online settlement using an integrated barcode according to an embodiment of the present invention. Hereinafter, a process of paying an arbitrary item on-line using an integrated bar code according to an embodiment of the present invention will be described with reference to FIG. However, according to another embodiment of the present invention, it is also possible to implement the steps of FIG. 4, assuming the steps shown in FIG. 2 and FIG. In other words, it is assumed that an application for integrated bar code processing is downloaded and a specific payment means is mapped to an integrated bar code.

The mobile device 400 assuming FIG. 2 and FIG. 3 requests payment from the merchant server 490 on-line. The merchant server 490 transmits a settlement request signal to the PG server 460. [ The payment request signal includes, for example, a mobile phone number, a merchant ID, a payment amount, a order number, and the like.

The PG server 460 transmits the payment information to the mobile device 400, and the password is input by the user (S405). If the input password is valid, the mobile device 400 delivers the above-described unique number to the PG server 460. [

If the transmitted unique number is valid, the PG server 460 processes payment information (S407) and transmits specific payment request information to the mobile device 400 (S408). The specific payment request information includes, for example, a merchant name, a product name, an amount, a settlement means, a transaction number, and the like.

At this time, the mobile device 400 selects the payment means mapped with the integrated barcode (S409). It is assumed that the selected payment means has been previously mapped and stored through the steps shown in Figs.

The mobile device 400 transmits data requesting settlement to the specific payment means selected in operation S409 to the PG server 460 in operation S410.

The PG server 460 confirms payment information through communication with the approval server 480 corresponding to the selected payment means at step S411 and transmits the approval details to the mobile device 400 at step S412, .

5 is a flowchart illustrating a process of paying off-line using an integrated bar code according to an embodiment of the present invention. Hereinafter, a process of paying for an arbitrary item in an off-line using an integrated bar code according to an embodiment of the present invention will be described with reference to FIG. However, in accordance with another embodiment of the present invention, it is possible to implement the steps of FIG. 5, assuming the steps shown in FIGS. In other words, it is assumed that an application for integrated bar code processing is downloaded and a specific payment means is mapped to an integrated bar code.

The mobile device 500 assuming FIGS. 2 and 3 receives login information (e.g., password, etc.) from the user before making payment at an offline merchant (S501).

If the login information is valid, it is authenticated whether it is a legitimate mobile device by communicating with the PG server 560 using the unique number or the like (S502).

At step S503, the mobile device 500 displays a list of at least one payment means mapped with the integrated bar code, and a specific payment means is selected. At this time, the pre-stored integrated bar code is displayed in an activated form and presented to the POS terminal 590 of the merchant (S504).

If the authentication of the user information is successfully performed (S505), the POS terminal 590 scans the integrated bar code and transmits a signal requesting approval to the PG server 560 (S506). However, according to a design change of a person skilled in the art, the step S505 may be omitted.

The PG server 560 determines whether payment approval is possible through communication with the approval server 580 corresponding to the selected payment means (S507), notifies the POS terminal 590 of the merchant terminal whether or not approval is possible (S508). Meanwhile, the POS terminal 590 transmits the final approval to the PG server 560 (S509), and the PG server 560 transmits the final approval details to the mobile device 500 (S510).

Therefore, according to the embodiment of the present invention described above with reference to FIGS. 1 to 5, the integrated barcode-related application can be easily downloaded and various payment means held by the user of the mobile device can be mapped. In addition, since payment can be made quickly with one password by any payment means on-line or off-line, there is an advantage that electronic settlement is more activated and user convenience is greatly increased.

Also, since the primary authentication between the merchant and the PG server, the secondary authentication between the PG server and the mobile device, and the application in the mobile device perform the third authentication for the mobile device using the USIM information, have.

6 is a flowchart illustrating a method of controlling a mobile device for paying a plurality of items using an integrated bar code according to an exemplary embodiment of the present invention. Hereinafter, with reference to FIG. 6, a control method of a mobile device capable of activating an integrated barcode to settle all of a plurality of items will be described. Further, referring to FIGS. 1 to 5 described above, FIG. 6 may be supplementarily analyzed, and redundant description will be omitted as much as possible.

According to an embodiment of the present invention, the mobile device 600 that processes payment information using an integrated barcode downloads an application for generating an integrated barcode (S601).

The PG server 660 transmits the unique number to the mobile device 600 and the mobile device 600 receives and stores the unique number for generating the integrated barcode transmitted from the PG server 660 ). In particular, the unique number corresponds to a key value shared by the mobile device 600 and the PG server 660, as described above.

The mobile device 600 receives login information for mapping the integrated bar code and the payment means from the user, and, if valid, transmits the received unique number to the PG server S604 in operation S604.

The PG server 660 determines whether the unique number transmitted in step S604 is identical to the unique number generated and transmitted in step S602 (step S605).

If they match, the mobile device 600 displays an OSD (On Screen Display) listing at least one payment means to be mapped with the integrated bar code (S606).

In step S607, the mobile device 600 transmits to the PG server 660 information on the selected payment means among the listed at least one payment means.

The mobile device 600 receives data indicative of the integrated barcode mapped to the specific payment means from the PG server 660 (S609). That is, it is assumed that the data is generated in the PG server 660 (S608).

The mobile device 600 controls the payment for the first item at the first time point using the data indicative of the integrated barcode received in step S609. In step S610, the mobile device 600 controls the settlement of the second item at the second time point using the data indicative of the same integrated bar code.

That is, the conventional barcode and the mobile barcode are one-time payment, whereas the integrated barcode according to the embodiment of the present invention is mapped to the payment means itself, so that it can be used semi-permanently.

In addition, according to another embodiment of the present invention, the mobile device 300 receiving the integrated barcode in step S609 stores the image data corresponding to the integrated barcode, and the information input in the step S607 For example, credit card number, cvc, credit card password, etc.) is not stored.

In the case of such a design, there is an advantage that payment information related to a credit card can not be obtained only by hacking the image data, and leakage of personal information can be prevented.

In addition, according to another embodiment of the present invention, at least two items may be designed to be paid using the integrated barcode received in step S609. Alternatively, each time login information is input in step S604, Is also within the scope of the present invention.

For example, when logging in using the mobile device of the present invention on Jan. 1, 2010, a first integrated barcode is generated and displayed, and the first payment process is performed using the first integrated barcode.

When the mobile device is re-logged in on January 2, 2010, the second integrated barcode is generated and displayed, and the second integrated barcode is used to design the second payment process to proceed.

On the other hand, the mobile device that has received the integrated barcode described above is designed to operate the timer. For example, it is also within the scope of the present invention to automatically control the integrated bar code to be disabled when the payment process has not been completed for a predetermined period of time from when the timer is activated. The predetermined time may be set automatically on the mobile device, or may be designed to be set by the user.

In the case of such a design, unexpected exposure or leakage of the integrated bar code can be prevented in advance by the scan function of the mobile device of the user or the function of capturing the image of another mobile device.

As described above, the inherent number shown in FIG. 6 is composed of, for example, a combination of a phone number stored in the USIM of the mobile device, user information, and a unique serial number assigned at the time of application creation. Therefore, in the case of such a design, the mobile device corresponds to, for example, a cellular phone or a smart phone equipped with the USIM.

In the case of the mobile device having the first OS installed therein, the step S601 may include accessing the URL with the URL address of the first server corresponding to the first OS, And a URL address of a second server corresponding to the OS.

According to another embodiment of the present invention, there is provided a method of storing data for indicating an integrated bar code mapped to the specific payment means, in a memory, between steps S609 and S610, Into a format that can be read; and displaying data of the converted format. By designing in this way, product settlement can be accomplished quickly by continuously reading the barcode of the product and the integrated barcode of the mobile device according to the embodiment of the present invention when payment is made off-line.

According to still another embodiment of the present invention, there is provided a method of storing a first list listing items that have been paid by a first payment means in a first area of the memory after step S610, Storing a second list listing items that have been completed by the payment means in a second area of the memory; and registering a third list listing items that have been completed by the third payment means in a third area of the memory, And displaying only one of the first to third lists according to the selected payment means. This will be described in more detail below with reference to FIGS.

FIGS. 7A through 7E sequentially illustrate steps of processing graphic data necessary for a process of downloading an application for processing an integrated barcode according to an exemplary embodiment of the present invention. Hereinafter, a user interface for downloading an application for processing an integrated barcode will be described with reference to FIGS. 7A to 7E (see FIG. 2).

First, as shown in FIG. 7A, an integrated barcode settlement related application can be searched using a mobile device according to an embodiment of the present invention. Next, as shown in FIG. 7B, the mobile device downloads the integrated bar code settlement related application. There is an advantage that the user does not need to recognize the corresponding app store and access it separately.

When the integrated barcode payment related application is downloaded, basic information of the user can be input as shown in FIG. 7C. However, it is also a feature of the present invention that, if the mobile number input by the user does not coincide with the user information previously stored in the USIM, the process is not proceeded. That is, in the mobile device, an internal process for automatically authenticating whether or not the input phone number is correct is added. In the case of designing in this way, there is an effect in terms of security that another mobile device can prevent the same user from duplicating and installing the application.

As shown in FIG. 7D, when the password set in FIG. 7C is input equally, it is designed to switch to an intro screen as shown in FIG. 7E.

FIGS. 8A to 8D sequentially illustrate steps of processing graphic data required by a mobile device according to an exemplary embodiment of the present invention in mapping an integrated bar code and payment means. Hereinafter, a user interface for mapping the integrated bar code to a specific payment means will be described with reference to FIGS. 8A to 8D (see FIG. 3).

First, as shown in Fig. 8A, a first OSD screen for requesting a login password is output. When a legitimate login password is input, as shown in FIG. 8B, a second OSD screen listing at least one payment means (for example, a mobile phone, a credit card, a money transfer, a cultural gift certificate, etc.) is output. In particular, as shown in FIG. 8B, it is also a feature of the present invention to display a group of registered payment means (credit card, account transfer, cultural gift certificate) and a group of unregistered payment means (mobile phone-unregistered) .

In FIG. 8B, when it is selected to map the payment means of the mobile phone with the integrated barcode, a third OSD screen for inquiring whether to register the barcode is displayed, as shown in FIG. 8C. Then, as shown in Fig. 8D, an image of the final integrated bar code is displayed. However, although the PIN number of the bar code is also designed to be exposed in FIG. 8D, a hidden function may be set according to a preference of a person skilled in the art or a user.

FIGS. 9A to 9E sequentially illustrate steps of processing graphic data required in a process of making a payment on the off-line by using an integrated barcode according to an embodiment of the present invention. Hereinafter, a user interface for paying a specific item on the off-line by using the integrated bar code will be described with reference to FIGS. 9A to 9D (see FIG. 5).

A description will be given on the assumption that a user of a mobile device equipped with an integrated bar code according to an embodiment of the present invention visits an optional offline store.

When the user who intends to purchase the goods in the offline store executes the integrated barcode-related application of the mobile device, the first OSD screen shown in FIG. 9A is displayed. At this time, the user inputs the login password set by himself / herself.

When the input login password is valid, a second OSD screen for selecting a payment means is output as shown in Fig. 9B. In FIG. 9B, it is assumed that the mobile phone payment means is selected.

At this time, as shown in FIG. 9C, the mobile phone settlement integrated barcode is displayed in an activated form. The integrated barcode displayed in FIG. 9C is scanned by the barcode reader of the shop as shown in FIG. 9D and a normal payment is made.

Then, a third OSD screen displaying information that the settlement is finally approved is output as shown in FIG. 9E. In addition, it is also a feature of the present invention that, when the user clicks the confirmation button in FIG. 9E, the specific payment details are output to the second depth.

FIGS. 10A to 10F are views sequentially illustrating steps of processing graphic data required in a process of making a payment on-line using an integrated barcode by a mobile device according to an embodiment of the present invention.

Hereinafter, a user interface for paying a specific item on-line using an integrated bar code will be described with reference to FIGS. 10A to 10F (see FIG. 4).

First, a case where a user accesses a web site using a mobile device and purchases a specific item at a specific online merchant will be described.

As shown in FIG. 10A, methods for a payment method are displayed primarily. In particular, when the integrated barcode item located at the lower end of FIG. 10A is selected, a screen for primary authentication for the user is output as shown in FIG. 10B. At this time, the user inputs his / her cell phone number. As described above, the mobile device equipped with the integrated barcode-related application according to the embodiment of the present invention uses the information pre-stored in the USIM to prevent the unauthorized use of the integrated barcode arbitrarily in advance do.

If the mobile number input by the user matches the mobile number stored in the USIM, a screen for inputting the login password is displayed as shown in FIG. 10C. Secondary authentication is performed for the user.

If the login password is valid, a screen for selecting a payment means is displayed as shown in FIG. 10D. In FIG. 10D, it is assumed that the mobile phone payment means is selected. However, the present invention is not limited thereto.

10D and 10F, even if the user does not take any action, it is designed to be informed that the payment for the desired object has been performed, as shown in FIGS. 10E and 10F. However, according to the embodiment of the present invention, since only the integrated barcode for the credit card is set once, it is possible to input the card information later There is an advantage that it is not necessary to do.

In addition, although FIG. 10E illustrates an OSD for displaying a barcode in spite of being an online payment, it is an option in contrast to offline. However, if the OSD is configured as shown in FIG. 10E on an online basis, it is effective to notify the user that there is no need to input credit card information or the like because it is an integrated barcode payment.

11A to 11E are diagrams showing an OSD screen in which a mobile device according to an embodiment of the present invention processes information settled using an integrated barcode. Hereinafter, with reference to FIGS. 11A to 11E, a user interface for listing information paid by a mobile device using an integrated barcode according to an embodiment of the present invention will be described.

First, as shown in FIG. 11A, an OSD screen in which an item of " expenditure history " is added to the lower right is displayed. However, the position is an embodiment, and it is possible to change to another size, color, and position according to the needs of those skilled in the art.

When the " expendable breakdown " item shown in FIG. 11A is selected, three items for confirming the details of settlement with the integrated barcode are simultaneously output as shown in FIG. 11B. When the item "Monthly Breakdown" shown in FIG. 11B is selected, the items that have been paid with the integrated barcode for a month selected by the user are listed as shown in FIG. 11C.

On the other hand, when the item " per payment by billing " shown in Fig. 11B is selected, the items that have been paid with a specific payment means (e.g., mobile phone, credit card, etc.) selected by the user are listed as shown in Fig. This will be described later in more detail with reference to FIG.

When the item "graph detail" shown in FIG. 11C is selected, the monthly amount paid by the user with the integrated barcode is displayed as one graph as shown in FIG. 11E. Of course, it may be designed to display a graph for each payment means.

FIG. 12 is a diagram illustrating a database (DB) of a mobile device storing payment details for each payment means by addresses according to an embodiment of the present invention.

In order to implement the above-described FIG. 11D, the mobile device according to an embodiment of the present invention is designed to store payment details for each payment means in each of the other addresses of the DB. This is schematically shown in Fig.

Accordingly, the user can not only confirm all of the details settled by the integrated bar code settlement method, but also can design the same as the DB shown in FIG. 12, so that the first payment means (e.g., mobile phone) mapped to the integrated bar code, (For example, a credit card), and a third payment means (for example, a money transfer).

1 to 12, measures for enhancing security / reliability in the process of using the integrated barcode mapped to a specific payment means have been described above. On the other hand, discount coupons which can be paid at a discounted amount with respect to a specific item have recently been widely used. However, the conventional discount coupon has a problem in that the point of use and the point of payment are different. For example, we made a payment on January 1, 2010 for a discount coupon, but the use can be made on March 1, 2010. This causes a considerable burden on the user, and in some cases, the discount coupon can not be used accidentally. In addition, there is a problem that the user must output and receive the discount coupon.

Accordingly, embodiments for solving such problems of discount coupons according to the related art will be described in more detail with reference to FIGS. 13 to 23. Further, a solution that enables the user to more easily and quickly select a desired discount coupon will be described with reference to FIGS. 18 to 23. Meanwhile, it is also within the scope of the present invention that the embodiments described in Figs. 13 to 23 are combined with the contents described in Figs. 1 to 12 to implement other embodiments.

First, referring to Figs. 13 to 17, a first embodiment for generating a secondary bar code replacing a discount coupon will be described.

FIG. 13 is a flowchart illustrating a process of generating a secondary barcode for a discount coupon by a mobile device and a PG server according to another embodiment of the present invention.

A system for processing data for paying at least one or more items includes, for example, a mobile device 1300 and a PG server 1350 as shown in FIG.

The mobile device 1300 downloads an application for barcode generation using the address information (S1301). For example, connection information for downloading an application for barcode generation is transmitted from the PG server 1350 to the mobile device 1300. The connection information corresponds to, for example, download URL information.

The mobile device 1300 requests downloading to the specific application provider using the connection information, and downloads the application for barcode generation from the specific application provider. More details will be understood by those skilled in the art with reference to Fig.

The mobile device 1300 with which the application is downloaded compares the phone number of the mobile device input by the user with the phone number stored in the USIM of the mobile device (S1302).

If the comparison result is the same, the mobile device 1300 transmits the user information stored in the USIM to the PG server 1350 (S1303). Therefore, there is an effect that a problem that the unauthorized user may arbitrarily use the barcode service can be solved.

The PG server 1350 generates a unique number for generating a barcode (S1304), and transmits the generated unique number to the mobile device 1300 from the PG server 1350 (S1305).

If the unique number is normally received and stored in the mobile device 1300, the PG server 1350 confirms and stores the unique number (S1306). Therefore, there is no need to store the card number or the card password in the mobile device, thereby reducing the risk of hacking.

Data indicating the first bar code mapped to the specific payment means is transmitted from the PG server 1350 to the mobile device 1300 (S1307).

The mobile device 1300 sequentially displays first information identifying at least one or more companies providing discount coupons and second information identifying at least one or more items provided by a specific company (S1308). A concrete GUI designing method according to an embodiment of the present invention will be described later with reference to FIG.

A signal requesting data indicative of a second bar code for a specific item is transmitted from the mobile device 1300 to the PG server 1350 (S1309).

Data indicating the second bar code is transmitted from the PG server 1350 to the mobile device 1300 (S1310). The second bar code is designed to include, for example, discounted price information from the original price of the specific item.

Therefore, unlike the discount coupon method of the related art, there is an effect that payment for the discounted commodity is matched with the purchase time point. In addition, here are some solutions that allow shoppers to quickly access certain discount coupons from a number of discount coupons.

According to another embodiment of the present invention, the step S 1308 may include extracting third information identifying companies located within a predetermined range from a current position of the mobile device 1300, Comparing the third information with the first information, and displaying the names of companies that do not match the names of matching companies as a result of the comparison. Will be described later in detail with reference to FIGS. 18 to 21. FIG.

In addition, according to another embodiment of the present invention, the above-described step S1308 includes the steps of receiving an ID identifying the store from a wireless device of the store in which the mobile device 1300 is located, And to display second information identifying at least one or more items provided by the company corresponding to the identifying ID. Will be described later in detail with reference to FIGS. 22 and 23. FIG.

Further, although not shown in FIG. 13, the mobile device 1300 may extract the specific payment means information of the first bar code, extract discount price information of the specific item of the second bar code, And combining the specific payment means information and the discount price information of the specific item to generate an integrated bar code, belong to the scope of the present invention.

The specific payment means described above corresponds to at least one or more of, for example, a mobile phone, a credit card, a money transfer, and a cultural gift certificate. The solution for selecting a specific payment means is fully described in the description of Figs. 1 to 12, and the same description will be omitted.

In FIG. 13, it is assumed that the mobile device is a single server. However, as shown in FIG. 14, it is possible to communicate with a plurality of servers such as a mobile communication company server and a coupon related server.

14 is a flowchart illustrating a process of generating a secondary barcode for a discount coupon according to another embodiment of the present invention. It is also within the scope of the present invention to design the coupon issuing server and the coupon management server shown in FIG. 14 as one coupon related server, and designing the user authentication server to perform the role of the PG server is also within the scope of the present invention Belongs.

The mobile device 1400 that has previously downloaded the application capable of executing the integrated barcode described in Figs. 1 to 12 inputs the password of the previously set user (S1401). In addition, the mobile device 1400 transmits a request signal for approval of the barcode service to the user authentication server 1410 (S1402). The user authentication server 1410 transmits the pre-registered user information to the mobile communication company server 1420 (S1403). The mobile communication company server 1420 compares the information received in step S1403 with the user information stored in the database and transmits a result of determining whether the user is an effective user to the user authentication server 1410 in step S1404.

If the user is an effective user, the user authentication server 1410 transmits a confirm signal for approving the log-in to the mobile device 1400 (S1405). The mobile device 1400 requests the coupon issuing server 1430 to generate a secondary bar code for the discount coupon (S1406). Although not shown in Fig. 14, it is also within the scope of the present invention to design the data flow for processing the primary bar code to which the payment means is mapped to be located between steps S1405 and S1406.

The coupon issuing server 1430 generates a bar code number and transmits it to the coupon management server 1440 (S1407). The coupon management server 1440 stores the newly generated barcode number in the database (S1408), and transmits the barcode number to which the validity time is applied to the user authentication server 1410 (S1409).

The user authentication server 1410 transmits to the mobile device 1400 a barcode to which the usage valid time and the payment means to be used are applied (S1410). However, it is also possible to design the display of the primary bar code including the payment means information and the secondary bar code including the discount information, respectively, in order to display the bar code of the present invention It belongs to the scope. Of course, as shown in step S1410 of FIG. 14, there is an advantage that the speed of settlement processing can be increased when one barcode including both settlement means information and discount information is used.

The mobile device 1400 requests the POS terminal 1450 to approve the discount coupon bar code (S1411). The step S1411 may be implemented as an embodiment in which the barcode outputted on the screen of the mobile device 1400 is brought into contact with the vicinity of the POS terminal 1450 or the number information of the output barcode is input to the POS terminal 1450 Examples are possible.

The POS terminal 1450 requests the coupon management server 1440 to approve the discount coupon bar code (S1412), and the coupon management server 1440 determines whether the bar code number is valid using the stored data in step S1408 And transmits the approval result value to the user authentication server 1410 (S1413). For example, it is designed to refuse approval for a bar code whose elapsed time has elapsed, or to refuse approval for a nonexistent bar code number.

The user authentication server 1410 finally forwards the settlement approval result to the mobile device 1400 (S1414) and forwards it to the POS terminal 1450 (S1415). It is also within the scope of the present invention to design the steps S1414 and S1415 to be performed simultaneously or in reverse order.

15 is a block diagram illustrating the configuration modules of a mobile device according to another embodiment of the present invention in more detail. 15, the mobile device 1500 according to another embodiment of the present invention includes a first barcode processing module 1501, a call signal processing module 1502, a second barcode processing module 1503 A data transmission module 1504, a data reception module 1505, a display module 1506, a UI processing unit 1507, a memory 1508, and a control unit 1509.

The data receiving module 1505 receives data indicative of the first bar code mapped to the specific payment means from at least one external server. In addition, the data may be temporarily stored in the memory 1508. [

The display module 1506 is designed to display first information identifying at least one or more companies providing discount coupons and to display second information identifying at least one or more items provided by a particular company. A specific company and a specific item can be selected based on the user command signal input through the UI processing unit 1507. [ Alternatively, embodiments in which the specific company is automatically selected belong to the scope of the present invention, which will be described later.

The data transmission module 1504 transmits a signal requesting data indicative of a second barcode for a specific item to at least one external server.

In addition, the data receiving module 1505 receives data indicative of the second bar code. The second bar code includes price information discounted from the original price of the specific item, for example.

The display module 1506 is designed to display at least one of the first bar code and the second bar code. As described above, it is also within the scope of the present invention to generate one integrated bar code including information on a specific payment means included in the first bar code and discount information on a specific item included in the second bar code.

The received barcode-related data is processed by the first barcode processing module 1501 or the second barcode processing module 1503 and is designed to be outputted through the display module 1506 according to the control of the controller. The control unit may be implemented by a CPU or the like, and it is also within the scope of the present invention that the first barcode processing module 1501 and the second barcode processing module 1503 are combined to form one module.

Although not shown in FIG. 15, the mobile device 1500 further includes a processor for processing GPS (Global Positioning System) or LBS (Location Based Service) related data. This will be described with reference to the second embodiment which will be described later.

16 is a flowchart illustrating a method of controlling a mobile device according to another embodiment of the present invention.

The mobile device that processes data for paying at least one item receives data indicative of the first barcode mapped to a specific payment means from at least one external server (S1610). Further, the first information identifying at least one or more companies providing discount coupons is displayed (S1620).

Further, the second information identifying at least one or more items provided by the specific company is displayed (S1630). A signal for requesting data indicative of a second bar code for a specific item is transmitted to at least one external server (S1640).

Then, data indicative of the second bar code is received (S1650). The second bar code includes price information discounted from the original price of the specific item, for example. Finally, at least one of the first barcode and the second barcode is displayed (S1660).

According to another embodiment of the present invention, there is provided a method for controlling a barcode, comprising: downloading an application for generating a barcode before performing step S1610 of receiving data indicative of a first barcode from at least one external server; Receiving a unique number for generating a barcode, transmitting the received unique number to the PG server when the login information for mapping the bar code and the payment means is valid, Displaying an OSD listing at least one payment means to be mapped with the bar code and transmitting information on the selected payment means selected from the at least one payment means to the PG server, . In such a design, there is an advantage that the possibility of hacking of the bar code is reduced and the user authentication is further strengthened. In particular, for such a technical effect, it is also possible to design the inherent number to be composed of a combination of a phone number, user information stored in the USIM of the mobile device, and a unique serial number assigned at the time of application creation, Belongs.

Further, according to another embodiment of the present invention, the method may further include displaying at least one of the first barcode or the second barcode after the step S1660, starting the timer to operate, Determining whether the reference time has been exceeded, and switching the first bar code or the second bar code to a disabled state when the determination result is also YES.

Meanwhile, a GUI design required in the process of implementing the integrated barcode service or the discount coupon settlement service by the mobile device shown in FIG. 15 or 16 will be described with reference to FIG.

17A to 17J are diagrams illustrating a GUI in which a mobile device displays a secondary bar code for a discount coupon according to another embodiment of the present invention.

First, as shown in Fig. 17A, login information for using a barcode is input. For example, as shown in FIG. 17A, the four-digit number system 1701 can be borrowed, and the scope of the present invention is not limited thereby.

As shown in FIG. 17B, when the payment barcode related option 1702 is selected, the barcode 1703 mapped with the specific payment means is displayed. Of course, the barcode 1703 shown in FIG. 17B can be used as it is, but according to another embodiment of the present invention, the user can select the discount coupon related option 1704 as shown in FIG. 17C. At this time, as shown in FIG. 17C, a list of shops providing discount coupons is outputted, and the user can select a desired specific shop 1705. [

Further, as shown in FIG. 17D, a list of items sold at a specific shop is output, and the user touches an option 1706 for selecting a specific item to which the discount is to be applied. As shown in FIG. 17E, the discount details of the selected specific item are displayed in detail, and the user selects the option 1707 to use the discount coupon. At this time, as shown in FIG. 17F, the secondary bar code 1708 to which the discount of the specific item of the specific shop is applied is automatically displayed. The secondary bar code 1708 may be designed to include specific payment information of the primary bar code 1703 shown in FIG. 17B.

Thus, the user can present the mobile device on which the secondary bar code shown in Fig. 17F is displayed to the store clerk. At this time, as shown in FIG. 17G, payment may be made by inputting the serial number of the bar code, or payment may be made by the bar code reader, as shown in FIG. 17H.

If the settlement is normally performed, a message indicating that the discount coupon has been normally used is output as shown in Fig. 17I. On the other hand, if the settlement is not normally performed, a message notifying that the discount coupon is not normally used is output as shown in Fig. 17J.

Hereinafter, a second embodiment will be described with reference to FIGS. 18 to 21, in which a user is highly likely to select a company in the process of generating a secondary bar code replacing a discount coupon. In the case of the above-described embodiment, there is a restriction that a user must manually search for a company that desires to receive a discount, so that a solution recommending specific companies providing a discount coupon considering the location of a user currently possessing the mobile device .

FIG. 18 is a flowchart showing the step S1620 of FIG. 16 in more detail according to another embodiment of the present invention. FIG. 19 is a diagram showing in more detail the position information required in the process of implementing the embodiment of FIG. 20 is a database including a list of specific companies required in the process of implementing the embodiment of FIG. FIG. 21 is a diagram illustrating a GUI required in the process of implementing the embodiment of FIG. Hereinafter, the second embodiment described above will be described with reference to FIGS. 18 to 21. FIG.

The mobile device according to another embodiment of the present invention extracts third information that identifies companies located within a predetermined range from the current location of the mobile device (S1601). A mobile device incorporating a GPS and LBS serviceable chip can calculate the location of the mobile device as shown in FIG. For example, if it is designed to collect information only for stores within a range of one kilometer, the stores A, B, C, and D shown in FIG. 19 correspond to the third information described above.

Further, the mobile device compares the extracted third information with the first information (S1602). The first information means stores providing discount coupons. 20, it is assumed that discount coupon providing companies are A, C, D, E, F, and stores located within a predetermined range (one kilometer) are A, B, C, D , Only the A, C, and D stores, which are likely to be selected by the user, are extracted from companies providing discount coupons.

Then, the mobile device distinguishes the names of companies that do not match the names of matching companies as a result of the comparison, and displays the names (S 1603). For example, as shown in FIG. 21, the A store 2101, the C store 2102, and the D store 2103 in which the first information and the third information described above coincide with each other are highlighted and displayed. In Figure 17c, a number of shops offering discount coupons are all labeled the same. On the other hand, the GUI 2100 of FIG. 21 has an advantage of automatically recommending shops with high selectivity in consideration of location information of a user.

Therefore, not only when a user enters a specific shop and executes the barcode service of the present invention, but also when a barcode service is executed at a distance before entering a specific shop, it is possible to easily find a nearby shop that provides discount coupons.

Hereinafter, a third embodiment will be described with reference to FIGS. 22 to 23 for recommending a specific company that the user is most likely to select in the process of generating the secondary bar code replacing the discount coupon.

If the user executes the barcode service of the present invention in a specific shop, the possibility of using the discount coupon provided by the specific shop is very high. Taking this into consideration, a description will be given of a technique automatically selected by a user without selecting a shop where a discount coupon is provided.

22 is a diagram for explaining a method for uniquely detecting information of a store in which a mobile device is located, according to another embodiment of the present invention.

22, it is assumed that a user having a mobile device 2200 according to another embodiment of the present invention enters an arbitrary store. At this time, the host device 2210 (for example, a PC, a POS terminal, or the like) installed in the counter is designed to establish short-range wireless communication with the mobile device 2200 (e.g., wi-fi and Bluetooth).

Further, the host device 2210 is designed to transmit ID information identifying its store to the mobile device 2200 periodically or in a push manner. Accordingly, the mobile device 2200 can automatically detect which shop is to be selected by the user when the bar code and the discount coupon service are executed.

23 is a diagram illustrating a GUI required in the process of implementing the embodiment of FIG.

22, there is an advantage that the mobile device does not need to generate the GUI of Fig. 17C or Fig. 21 described previously. However, in order to reduce the possibility of error and to confirm the user once more, a first area 2310 for indicating a recognized shop as shown in FIG. 23 and a second area 2310 for outputting a message requesting a consult 2320) are all displayed within the scope of the present invention.

Hereinafter, the problem of the above-mentioned discount coupon and the extension or other embodiment of a solution that enables the user to select the discount coupon desired and quicker will be described with reference to the accompanying drawings. Hereinafter, this is referred to as a complex settlement, and an optimal settlement condition is used for such complex settlement.

In the present specification, the term 'complex payment' may refer to a payment method according to a processor that calculates an optimal payment condition according to a customer's situation and makes a payment at one time using various payment means according to a calculation result. Herein, the optimal settlement condition may mean a settlement condition that can receive the best economical benefit from the customer's perspective. In the present specification, the optimum settlement condition may be calculated and the complex settlement processing may be performed, for example, in the PG server described above.

24 is a block diagram of a complex payment processing block according to an embodiment of the present invention.

Referring to FIG. 24, a merchant 2410, a payment application 2420, a payment server 2430, and other servers 2440 may participate in the complex payment. Here, the merchant point 2410 includes, for example, both online and offline merchant points. In addition, the payment application 2420 may be an application for the above-described integrated barcode generation. Here, the payment server 2430 may be the PG server described above.

The basic process of compound payment is briefly described as follows.

First, the customer executes the payment application 2420 pre-installed on the mobile device and logs into the payment application 2420, as described above, via the mobile device.

Thereafter, the customer enters a password into the payment application 2420 executed through the mobile device and requests the payment server 2430 to issue a payment barcode.

In response to the request, the payment server 2430 verifies the validity of the request based on the password entered by the customer and the device ID of the mobile device that transmitted the request. If the verification result is normal, the payment server 2430 issues a payment barcode corresponding to the request, and transmits the issued payment barcode to the requested mobile device. At this time, the settlement barcode issued and transmitted by the settlement server 2430 may not process the settlement process through the settlement barcode, for example, when the validity time has elapsed due to the expiration time.

The customer selects an item to be purchased and requests payment through the payment application 2420 to the merchant 2410. [ Here, the payment request may be used to include all processors, for example, scanning a billing application billing barcode with a barcode scanner provided at an offline merchant, requesting payment using online payment information of a payment application .

In response to the payment request through the payment application 2420 of the customer, the merchant 2410 requests payment to the payment server 2430 based on the payment information of the payment application 2420 of the customer.

The payment server 2430 performs payment according to the payment request of the merchant 2410. At this time, the payment server calculates the optimal payment conditions according to the present invention and performs complex payment based on the calculated payment conditions. The optimal payment condition calculation may be based on, for example, data from other server 2440. [ Here, the other server 2440 includes a coupon server, a cache server, a payment company, and the like. On the other hand, the optimal settlement conditions can be calculated based on the information on the customer received via the other server 2440 and / or the mobile device owned by the customer.

When the optimal settlement condition is calculated, the payment server 2430 performs complex settlement based on the calculated optimal settlement condition.

After the compound payment is made, the payment result may be transmitted to the merchant 2410 and / or the mobile device of the customer.

Meanwhile, data communication between the mobile device and the payment server 2430 may be performed through a mobile communication company server, for example.

Hereinafter, a method for calculating an optimal payment condition for a complex payment according to the present invention will be described in more detail with reference to the attached tables.

As described above, the optimum settlement condition calculation process can maximize the economic benefit of the customer based on the settlement information of the customer based on the settlement information of the customer, calculate the settlement condition, and output it to the customer or automatically apply Process. Here, the optimal payment condition calculation process may be performed based on, for example, product selection information of the customer rather than based on the payment information of the customer.

Hereinafter, the factors used in the optimum settlement condition calculation process will be described in detail. These factors may include customer information and key variables such as pre-customer information, discount coupons, cash, deductions of income by payment means, discounts by payment means, and the like.

customer situation Situational Variables A Customer Employee Affected by income deductions buisnessman No information required for income deduction

The payment server can select whether to apply the variable to the customer based on the prior information of whether the customer requesting payment is an employee or a business. For example, if the customer A is an employee, there is a situation variable that can be influenced by the income deduction depending on the settlement. If the customer A is a business person, the settlement is not affected by the income deduction even if payment is made. No information is required. Therefore, it is preferable to consider this point as the advance customer information and to consider the optimum payment condition calculation for the customer as a variable.

customer Discount Coupon franchisee Discounted amount Product Restrictions Duplicate Usability Automatic application A Customer Amount of money All merchants 1,000 won All products possible O gift card Seven-Eleven 3,000 won the banana milk impossible O Amount of money Minstop 2,000 won All products possible X (manual application)

Table 2 shows, for example, discount coupons available for payment by discounting when a customer makes payment through a payment application executed through a mobile device.

Referring to Table 2, the discount coupon can be divided into a money amount coupon and a gift coupon. Therefore, it is preferable to calculate the optimum payment conditions by taking into consideration whether or not the amount of money and the gift certificate are overlapped.

In addition, there are all merchants and certain merchants. Such an affiliate shop may not consider information on the affiliated shop other than the affiliated shop or the entire affiliate shop based on the location information of the mobile device or the affiliate shop of the customer, for example.

And, the discount amount may be different from each other, and such a discount amount may also be different depending on the product, that is, the item. Therefore, it is preferable to calculate the optimal settlement condition with reference to these contents.

In addition, whether or not the automatic application at the time of calculating the optimal payment condition corresponding to the payment request of the customer may be an element for determining whether to provide information such as a discount coupon to the customer or automatically apply the payment . For example, if the coupon can be automatically applied, the coupon can be automatically provided to the payment server even if the coupon is automatically provided or the user can not select the coupon. On the other hand, when there is a discount coupon which can not be applied automatically, that is, only a manual coupon can be applied, information about the coupon can be fed back to the customer and can be selected by the customer. At this time, if the billing server provides information on the manually-applied discount coupon, the billing server may also send information about the automatically applied coupons that can be applied at the same time, thereby helping the settlement convenience of the user.

On the other hand, when calculating the optimal settlement condition, in the case of the same discount condition or the like, the coupon may be applied referring to the validity period of each coupon. For example, if there are at least two coupons having the same discount condition and it is impossible to apply the coupons, it is preferable that coupons with the shortest validity period are selected and used for settlement. If the validity period of each coupon is the same as described above, it is preferable to use a coupon that can be used for the most optimal condition calculation in consideration of other conditions. However, in the case where the same coupon exists even if all of the other conditions are referred to, the coupon may be automatically selected by the payment server, and the coupon may be automatically applied.

customer franchisee Kinds Price A Customer all Available 5,000 won

Table 3 shows a cache or cyber money that can be used as an alternative payment means when a customer makes payment through a payment application running on a mobile device.

method of payment Income deduction rate cellphone 15 - 30% Debit 30% Credit card 15% check card 30%

Table 4 shows, for example, an income deduction rate for each payment means. For example, it is possible to use a payment means having a highest income deduction rate at the time of calculating the optimum condition, indicating the income deduction rate for the payment means registered by the customer.

customer method of payment Discounts A Customer cellphone none Debit none Credit Card 1 (Alpha Cashback) Earn CU 10% Credit card 2 (green card) 20% discount on Seven-Eleven

Table 5 shows, for example, discounts by payment means.

This means, for example, the highest payment method among all the payment methods registered by the customer.

At least one of Tables 1 to 5 is used in the payment server in the process of calculating the optimal payment condition.

In addition, at least one or more of the factors described above may be appropriately selected and used for complex payment in order to calculate the optimal payment condition in the payment server.

For example, suppose a customer A (a customer) wants to pay 10,000 items worth of items (including banana milk) at a merchant (Seven-Eleven).

At this time, the payment server can calculate the optimum condition using at least one of Tables 1 to 5 and process the complex payment.

For example, the payment server can apply a discount voucher for a Seven-Eleven merchant's gift voucher for the first time (-3,000 won) and make the settlement request amount 10,000 won for 7,000 won. Then, the payment server can apply the merchant's cache that is applicable at the time of settlement through the payment application in the payment server to the second place (-5,000 won) to make 7,000 won again to 2,000 won. After that, the payment server can select the registered credit card 2 (green card) of the customer in relation to the merchant called Seven-Eleven and apply it to the third party (-400 won) to make 2,000 won finally to 1,600 won.

That is, the optimal settlement conditions calculated by the settlement server for the 10,000 settlement request of the user are the factors used for the first to third applications described above, and the condition with the highest discount rate is calculated, You can make a complex payment of only 1,400 won by applying the 8,400 Won discount, which is calculated as the optimal condition for the request.

On the other hand, in the above calculation process of the optimal conditions for the complex settlement, the first to third orders may have no meaning in the order.

Among the above, automatic and manual applications have been described in connection with the determination and application of optimal payment conditions. In this regard, once again, the automatic application means that the payment server automatically calculates and applies the optimal settlement conditions at the time of the customer's settlement request, thereby completing the complex settlement. In this case, however, the customer may pre-select whether or not to apply the product to a specific condition in advance and determine whether to apply the product automatically. On the other hand, the manual application sets a merchant shop, an item list, and the like to be paid by the customer, automatically calculates an optimal payment condition at the payment server, and outputs the calculated payment condition to the customer. The customer selects whether the condition is applied or not, It is possible.

Hereinafter, an embodiment of a detailed process for complex payment according to the present invention will be described.

25 is a flowchart illustrating a method of issuing a settlement bar code according to an embodiment of the present invention. Here, the process of issuing a settlement barcode is basically similar to any one of the above-described FIGS. 2 to 6 or a combination thereof. Therefore, the detailed description of the contents described in FIGS. 2 to 6 will be omitted.

The method of issuing a settlement barcode according to the complex settlement of FIG. 25, for example, validates the validity based on the inputted telephone number, password, device ID and the like at the time of registering the membership, An embodiment of the present invention). Here, as described above, the billing barcode to be issued may be the one-time payment information whose effective time is predetermined.

25, the customer 2510 executes the payment application 2520 on the mobile device and requests the log-in to the payment application 2520 (S2512). At this time, execution of the log-in or payment application 2520 may be performed by a user directly inputting a password or the like through a GUI for inputting a password provided by the mobile device, for example, as shown in FIG. 27B. Alternatively, the execution of the log-in or payment application 2520 may be performed through a fingerprint recognition interface, for example, as shown in FIG. 27A. 27A, when a customer scans a fingerprint through a fingerprint recognition interface (or fingerprint recognition sensor), the fingerprint information is compared with previously registered fingerprint information of the registered customer, .

Meanwhile, the fingerprint authentication process can be performed by comparing the fingerprint information stored in advance with the fingerprint information stored by the mobile device when the fingerprint of the customer is scanned. At this time, the mobile device may transmit the authentication result or the scanned fingerprint information itself to the payment server 2530, for example.

Alternatively, the mobile device scans the fingerprint information of the customer and temporarily stores the fingerprint information. The mobile device transmits the fingerprint information to the payment server 2530 together with the request for log-in, and the authentication process is performed in the payment server 2530, execution and / or log-in of the payment application 2520 in accordance with the return. Meanwhile, the authentication process may be performed twice in the mobile device and the payment server 2530. In this case, the mobile device may use the authentication result for execution of the payment application 2520, and the authentication result of the payment server 2530 may be used for log-in.

The payment application 2520 compares the telephone number stored in the payment application 2520 with the telephone number stored in the USIM and proceeds the login process only if they match (S2514). Here, the payment server 2520 does not proceed with the login process if the telephone number can not be extracted from the USIM.

The payment application 2520 verifies the validity of the telephone number, and then transmits at least one of the telephone number, the password, the device ID, etc. of the mobile device to the payment server (bank server) 2530 to request the log-in (S2516). Here, if the device ID can not be extracted or recognized as an exception in some OS of the mobile device, the process of S2516 may not be performed.

The payment server 2530 compares the device ID and the like transmitted from the mobile device with the input data at the time of subscription, and determines whether there is a legitimate entitlement (S2518). At this time, if the device ID and the like do not match as a result of the determination, the payment server 2530 determines that there is no legitimate authority, and can not log-in the payment application at the corresponding mobile device. In particular, the device ID refers to all identifiers (IDs) capable of distinguishing devices such as UDID, UUID, UCID, IMEI, Mac address, and serial number.

The password transmitted to the payment server 2530 is compared with the password that the customer has finally entered / changed to judge whether or not the card is valid (S2520). The payment server 2530 does not allow the payment application 2520 of the mobile device to log-in if the passwords do not match or the number of errors exceeds a certain number of times. If the above-described fingerprint information is used as the authentication means, for example, the fingerprint information may be replaced with or replaced with the password to determine whether the user authentication, that is, whether or not to have a legitimate authority, Approval and so on.

The payment server 2530 provides the payment application 2520 with the payment ID and usable payment method information for the user who has been verified as a legitimate author (S2522).

The customer selects one of the usable payment means through the payment application 2520 and requests the payment server 2530 to issue the disposable payment bar code having the valid time (S2524).

The payment server 2530 issues a disposable payment bar code in which valid time exists if the validity is verified (S2526). The payment server may transmit the paymentable amount to the payment barcode at the time of issuing the payment barcode.

In the above process, the payment server 2530 may receive the information on the item to be paid from the user after the authentication, calculate the optimal payment means related to the item, and may transmit it together with the payment barcode information. At this time, if necessary, the payment server 2530 generates at least one payment barcode in advance by mapping at least one payment amount considered in the payment method calculation process to the payment barcode, for example, and when the customer selects the payment barcode, And detailed information on the basis of the calculation of the payment means mapped to the payment barcode can be provided in advance so that they can be recognized.

Meanwhile, the user can receive a plurality of payment barcode data for one item through the mobile device, and perform a complex payment by selecting a specific payment barcode as described above. At this time, when the plurality of settlement bar codes are transmitted, at least one settlement bar code corresponding to the calculation of the optimal settlement means may be included. In general, a payment barcode corresponding to the calculation of the optimal payment method is selected from the payment bar codes mapped to the payment means calculated by the payment server 2530, and a complex payment is made accordingly. However, according to various circumstances, May be selected and a complex payment may be made. Accordingly, in the transmission of a plurality of payment bar codes, a single payment bar code mapped to an optimal payment method calculation may be transmitted according to a policy according to a system, and a complex payment may be made accordingly.

25 is a view showing another embodiment of the complex settlement process according to the present invention considering the calculation and application of an optimal settlement condition,

26 is a flowchart illustrating a complex payment process according to another embodiment of the present invention.

Here, FIG. 26 may be described on the assumption that at least one payment bar code is issued according to FIG. 25, for example.

The customer 2610 visits the on-line or off-line merchant 2620 and requests the optimal payment amount inquiry (S2612). At this time, depending on the system, in the case of the offline merchant 2620, the optimal payment amount inquiry and settlement may be performed at the same time.

The merchant 2620 transmits the merchandise authentication information, such as the CPID and the CPPW, to the payment server 2630 (S2614), including the merchandise information such as the amount, the merchandise information, and the quantity, the member KEY, and the barcode number.

The payment server 2630 determines whether the corresponding merchant is a normal merchant based on the merchant authentication information (S2616).

If it is determined in step S2616 that the merchant is a normal merchant, the payment server 2630 inquires information about the customer through the membership information and determines whether the customer is a valid authorized member (S2618).

The payment server 2630 requests the coupon server 2640, the cache server 2650, the payment company according to the selected payment means, or the like for the additional payment information of the specific customer based on the retrieved customer information (S2620). Here, the cache server 2650 may be included in the payment server.

On the other hand, the additional payment information includes all information that can affect the economic benefits such as discount coupons, a cache, discounts per payment means, and an income deduction rate possessed by a customer.

The payment server 2630 calculates an optimal payment condition based on the additional payment information per customer (S2622). In step S2622, the payment server 2630 automatically sets a condition for whether to apply " discount coupon application / cache application / payment method selection " in order to achieve optimal economic benefit or minimum amount payment. In addition, the payment server 2630 delivers the set conditions to the customer (S2624) and outputs the selected conditions based on the information output from the customer.

The customer 2610 confirms the optimal payment condition and the discount option applied by the payment server 2630, and requests settlement using the calculated optimal payment amount (S2626).

The payment server 2630 transfers the requested payment to the payment company 2660 (S2628) and receives the payment result from the payment company 2660 (S2630).

The payment server 2630 delivers the received payment result to the merchant 2620.

The merchant shop 2620 confirms the payment result received from the payment server 2630 and provides the item paid by the customer 2610 to the customer.

If the merchant is offline, a complex payment process may be performed as follows.

The customer visits the merchant and executes the payment application on the mobile device in which the payment application is installed and requests a complex payment.

At this time, the customer can request the log-in together with the payment barcode issuance through the fingerprint input of Fig. 27A and the password input of 27b.

Thereafter, when the customer authentication is completed in the payment server, the payment server issues a payment barcode including the payable amount according to the customer authentication result as shown in FIG. 28, Lt; / RTI >

The payment server automatically calculates the optimal payment conditions automatically according to the situation for each customer, automatically proceeds the settlement and transfers the result to the mobile device, and the mobile device outputs the result to the customer as shown in FIG. At this time, the customer may include a franchisee as the case may be.

On the other hand, if the customer intends to make a complex payment online, the following complex payment process can be performed.

As shown in FIG. 30, the customer visits the online shopping mall and logs in the member log-in, and then selects an item to be purchased.

When a customer selects a specific commodity item, the settlement server receives member information about the customer and receives information from each supplementary settlement information inquiry server to calculate the optimal settlement condition. The calculated details of the optimal settlement condition and the payment amount are output through an online merchant or a mobile device as shown in FIG.

At this time, the customer inputs a telephone number or the like on the merchant page and requests payment.

The payment server checks the details of the payment request requested to the payment application by using the PUSH method or the like, and outputs the payment information (payment bar code) corresponding thereto as payment information on the screen of the corresponding mobile device.

At this time, when the user presses the payment button in FIG. 31, the optimum payment condition is calculated and the corresponding amount may be automatically compounded. Alternatively, in the present invention, in order to enhance the stability and security of the money settlement, that is, the financial transaction in the same manner as the log-in described above, the fingerprint is re-authenticated as shown in FIG. 27A, or the password is re- The complex settlement can be completed based on the re-authentication result.

32, when a window for payment is accessed on the online merchant's page, the payment application is executed for payment as shown in FIG. 32A, and the payment application is executed through fingerprint recognition or password input as shown in FIGS. 32B to 32C. And the optimum payment condition calculation and the complex payment can be performed based on the fingerprint recognition or the password input result.

The result of the complex payment can be directly confirmed by the customer on the online merchant page through the screen of the mobile device.

Among the above-mentioned contents, the process order is not limited to the above-described contents, and various applications are possible.

For example, the settlement barcode may be generated for the settlement amount corresponding to the optimal settlement condition calculated after calculating the optimal settlement condition. At this time, as described above, a plurality of payment bar codes may be issued during the optimum payment condition calculation process.

When a customer selects an item item desired by an online or offline merchant and requests payment from a merchant or a payment server, the payment server determines whether the customer has a legitimate account.

If the payment server judges that the customer has a legitimate account, it calculates the optimal payment conditions.

The calculated optimal payment conditions are then transferred to the merchant or the mobile device of the customer. Alternatively, not the calculated optimal settlement condition itself, but the settlement barcode mapped thereto may be transmitted from the settlement server.

The settlement barcode is delivered to the customer directly or through a merchant.

According to an embodiment of the present invention, a method of controlling a mobile device for processing data for payment of at least one item includes the steps of: requesting a payment server for data indicative of a first barcode mapped to the payment means; A step of receiving data indicative of the first barcode mapped to the payment means from the payment server, selecting the item to be purchased and requesting payment from the payment server, receiving the result of the requested payment from the payment server, And outputting the result to the control unit. The payment server may calculate an optimal payment condition for payment at a discounted price based on the selected merchandise item and the mobile device user information in response to the payment request, The settlement can be automatically performed based on the calculated optimum settlement conditions.

The method may further include receiving the optimal settlement condition calculation result from the settlement server and outputting the received optimal settlement condition calculation result on a screen.

The method further comprises the steps of: receiving data indicative of a second barcode mapped with a discounted payment amount according to the optimal settlement condition calculation result; outputting data indicative of the received second barcode on a screen The method comprising the steps of:

The method may further comprise the steps of: downloading the application for payment at the mobile device; executing the downloaded application at the mobile device; sending a log-in request of the executed application to the payment server The method comprising the steps of:

The settlement server requests supplementary settlement information from at least one of a coupon server, a cash server and a settlement company server to calculate the optimal settlement condition, and requests the supplementary settlement information from at least one of the coupon server, the cache server, Information can be received.

The additional payment information may include at least one of discount coupon data, cache data, discount benefit data per payment means, and income deduction rate data held by the mobile device user.

The optimum settlement condition may be calculated through one or more combinations of advance customer information data, discount coupon data, cache data, income deduction rate data for each payment means, and discount benefit data for each payment means.

Meanwhile, the mobile device may be configured to receive authentication data of a user for at least one of a log-in and a payment request of the payment application, and the mobile device may further include: Comparing the authentication data with authentication data, and transmitting the authentication result or the authentication data of the user who has input the authentication data to the payment server.

In addition, the payment server may issue a settlement barcode to the authenticated mobile device based on the authentication-related data of the mobile device, and may transmit the issued settlement barcode to the mobile device.

The method of controlling a payment system for processing data for payment of at least one item according to another embodiment of the present invention is characterized in that the mobile device receives the payment barcode issued from the payment server, The merchant server transmits merchant authentication information, payment merchandise information, and membership information to the payment server, and the payment server receives the merchandise authentication information, payment merchandise information, and member information from the merchant server based on the information received from the merchant server, A step of authenticating a customer, a step of requesting additional payment information of a customer to an external server, a step of receiving a supplementary payment information of a customer requested by the external server, a payment server, Calculating an optimal settlement condition based on the information, Outputting a minimum payment amount according to an optimal payment condition calculated by the server, the mobile device requesting payment to the payment server according to the minimum payment amount according to the output optimal payment condition, Performing payment according to a payment request of the mobile device, and transmitting the payment execution result to the merchant server.

At this time, the external server may include at least one of a coupon server, a cache server, and a payment server according to the payment means.

The method further includes the steps of: receiving data indicative of a second barcode mapped with a discounted payment amount according to the optimal payment condition calculation result; and displaying data indicative of the received second barcode on a screen And outputting the output signal.

The method may further comprise the steps of: downloading the application for payment at the mobile device; executing the downloaded application at the mobile device; sending a log-in request of the executed application to the payment server The method comprising the steps of:

The payment server may request additional payment information from at least one of the external servers to calculate the optimal payment conditions, and may receive the requested payment information from at least one of the external servers.

The additional payment information may include at least one of discount coupon data, cache data, discount benefit data per payment means, and income deduction rate data held by the mobile device user.

The optimal settlement condition may be calculated through one or more combinations of advance customer information data, discount coupon data, cache data, income deduction rate data for each payment means, and discount benefit data for each payment means.

In addition, the mobile device may include a step of receiving authentication data of a user for at least one of a log-in and a payment request of the payment application, the mobile device further comprising: Comparing the authentication data with authentication data, and transmitting the authentication result or the authentication data of the user who has input the authentication data to the payment server.

The payment server may issue a payment barcode to the authenticated mobile device based on the authentication-related data of the mobile device, and may transmit the payment barcode to the mobile device.

Although not shown, according to another embodiment of the present invention, the settlement processing may be performed in the settlement system as follows. For example, a method of controlling a payment system for processing data for payment of at least one or more items comprises the steps of: requesting, by the payment server, data indicative of a first barcode mapped to the payment means; Receiving data indicative of a bar code from the payment server, the web server selecting the item to be purchased, transmitting the web server authentication information, the payment product information and the customer's member information to the payment server, Authenticating the web server and the customer based on the information received from the web server, the payment server requesting the additional payment information of the authenticated customer to the external server, Receiving the additional payment information of the requested customer; and the payment server transmits, to the payment server, Calculating a minimum settlement amount according to the optimum settlement condition calculated by the settlement server, and the web server calculating a minimum settlement amount based on the optimal settlement condition, The step of requesting the server and the payment server may include a step of performing payment according to the payment request of the web server and transmitting the payment execution result to the web server.

Here, the payment server may consider the additional payment information of the web server at the time of calculating the optimum payment condition, and may transmit the calculated optimum payment conditions to the web server.

On the other hand, in the above-described embodiments, even if the merchant owner does not directly read the barcode data of the customer's mobile device or the like as the barcode reader for payment processing at the merchant's shop, Process may be performed.

On the other hand, in the complex payment embodiment, the optimal payment conditions calculated by the payment server or other server may be outputted on the screen of the customer's mobile device or the online merchant server before payment or after payment, depending on the case. In such a complex payment, even if the customer pre-recognizes general payment conditions as well as payment conditions specified for the on-line or off-line stores accessed by the customer, the payment server may consider the payment conditions in advance, It is possible to improve the convenience of the customer in the settlement process by calculating the optimum settlement condition and applying the settlement. Further, it is preferable to calculate the settlement condition so that the minimum settlement amount with respect to the settlement amount is derived at the time of calculating the optimal settlement condition in the present invention. For this, the above-described embodiments are not limited to the above example.

1 to 32 are described for convenience of explanation, it is obvious that the present invention is also applicable to other embodiments by combining some of the features of the drawings.

In this specification, both the invention of the invention and the invention of the method are explained, and the description of both inventions can be supplemented as necessary.

The method inventions according to the present invention can all be implemented in the form of program instructions that can be executed through various computer means and recorded on 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 recorded on the medium may be those specially designed and constructed for the present invention 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 present invention, and vice versa.

While the invention has been shown and described with reference to certain preferred embodiments thereof, it will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. This is possible.

Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the equivalents of the claims, as well as the claims.

2610: Customer (mobile device)
2620: On / offline merchants
2630: Payment Server
2640: coupon server
2650: Cache server
2660: Payment agent

Claims (20)

delete delete delete delete delete delete delete delete delete A method of controlling a payment server for processing data for payment of at least one item,
Receiving a signal from a mobile device requesting data indicative of a first bar code mapped to a first payment means;
Transmitting data indicative of a first barcode mapped to the first payment means to the mobile device;
Receiving an optimal payment amount inquiry request signal from the merchant terminal, the request signal including at least merchant authentication information including CPID (Content Provider IDentification) and CPPW (Content Provider PassWord) Information, and the first bar code;
Determining whether the corresponding merchant is a normal merchant based on the merchant authentication information including the CPID and the CPPW;
Inquiring information about the customer using the first bar code and determining whether the customer is a legitimate member only if the merchant is determined to be a normal merchant;
The step of transmitting to the mobile device data indicative of a discounted payment amount according to an optimal payment condition limited to the customer having the legitimate account and a second barcode mapped to the second payment means for the discounted payment, Including,
Wherein transmitting the data indicative of the second barcode to the mobile device comprises:
Determining whether there are at least two discount coupons having the same discount condition; And
Further comprising the step of generating the second bar code by applying a discount coupon having the shortest validity period based on the present point of time when there are at least two discount coupons having the same discount condition,
The personal information unique to a specific user used for generating the second barcode may include:
Data for distinguishing whether the specific user is an employee or a business operator, and
And all of the data indicating the income deduction ratio information according to the arbitrary payment means. delete delete 11. The method of claim 10,
The second bar code may include:
Wherein the discounted amount is calculated based on personal information unique to a specific user who is not related to the merchant server through communication between the payment server and the plurality of servers. delete delete delete delete delete delete delete

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