KR101708281B1 - Pos and payment method using pos based on user terminal - Google Patents

Abstract

The present invention relates to a user terminal-based payment method capable of performing settlement of goods or services based on a user terminal capable of wireless communication. More specifically, the present invention allows a user to execute a series of payment steps such as order information generation, authentication, payment approval request, and the like without a separate merchant POS terminal in payment, And a payment method based on a user terminal, which can omit the process of transmitting and receiving payment information, authentication information, and the like through data communication.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a POS (Point of Sale)

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment method using a POS based on a user terminal capable of performing payment for goods or services based on a user terminal capable of wireless communication. Specifically, the present invention allows a user terminal to substitute a function performed by a conventional merchant point-of-sale terminal in payment, thereby allowing a user terminal to execute a series of payment steps such as order information generation, authentication, and payment approval request The present invention relates to a payment method using a user terminal-based POS, which enables a user to omit a process of transmitting and receiving payment information, authentication information, and the like through data communication with a POS terminal when purchasing goods or services.

[0003] Today, various payment methods are utilized beyond the method of paying for cash, and in recent years, a payment method by which a payment method is entered in a user terminal and a product or a service is purchased by using the payment method is gradually being activated.

For example, when a user wishes to purchase an item at a store, the user first performs authentication for the payment using the portable terminal owned by the user, and then transmits an authentication code in the form of a bar code issued from the payment server (card company server) The payment can be performed by reading the POS terminal installed in the shop.

Such a payment method is advantageous in that a user can easily purchase a commodity or a service using a portable terminal without having to hold a credit card or cash, and thus many merchants have been building such a payment environment.

On the other hand, the above-mentioned payment method must necessarily install a POS terminal in an affiliated store, and a step in which data such as payment information and authentication code are transmitted and received between the user terminal and the POS terminal is required. Cost and equipment installation resources, and it is also impossible to exclude the possibility of information leakage during data transmission and reception.

The present invention provides a POS terminal installed in an affiliate store so that the user terminal can perform the functions of the POS terminal so that payment can be performed only by the user terminal. According to the present invention, when the user does not stop at the cash register, Furthermore, there is also an effect that the risk of information leakage can be reduced by not transmitting data containing sensitive information to the POS terminal.

The present invention has been made in view of the limitations of the payment method as described above, and proposes a settlement method using a user terminal-based POS.

Korean Registered Patent No. 10-1473117 (registered on Dec. 12, 2014)

Disclosure of Invention Technical Problem [8] The present invention has been proposed in order to solve the above-mentioned problems, and proposes a method for performing all settlement steps using only a user terminal without a POS terminal at the time of payment using the user terminal and a user terminal for the same.

Particularly, in this process, the present invention implements the POS of the user terminal by simultaneously providing the payment unit and the authentication unit in the user terminal, so that all payment steps such as order information generation, authentication, and payment request are performed in one terminal .

Further, in the step of transmitting and receiving the authentication code between the settlement unit and the authentication unit, the library is shared with each other in order to enhance security, and the authentication code is tokenized with reference to the library, And the like.

In addition, the present invention solves the problem that the conventional POS terminal is matched to only one merchant identifier and can be used only in a corresponding merchant, and a method of flexibly applying a merchant identifier to a user terminal during payment proceeding I suggest.

According to another aspect of the present invention, there is provided a method of making payment for a product or service using a user terminal including a payment unit and an authentication unit, the method comprising the steps of: (a) ; (b) the authentication unit performs authentication for a payment progress and generates an authentication code; (c) the payment unit receiving the authentication code from the authentication unit; And (d) the payment unit requests payment approval based on the order information and the authentication code.

The payment method using the user terminal-based POS may further include setting a merchant store identifier of a payment unit; .

At this time, the settlement unit sets the merchant identifier according to the order information, the location information of the user terminal, the settlement request subject identifier, or the user input.

In the payment method using the user terminal based POS, the authentication unit generates an authentication code and refers to a library shared with the payment unit to tokenize the authentication code. .

In this case, the tokenized authentication code includes at least one of authentication information, order information, channel path, device information, or user information.

The step (c) may further include: (c-1) receiving the tokenized authentication code from the authentication unit of the payment unit; (c-2) interpreting the tokenized authentication code with reference to a library shared by the payment unit with the authentication unit; (c-3) the payment unit acquiring the authentication information from the authentication code.

Further, the step (c) may further include: (c-4) performing the verification of the acquired authentication information by the payment unit after step (c).

Meanwhile, the payment method using the POS based on the user terminal may further include receiving an order request from the payment unit before the step (a).

In addition, the payment method using the user terminal-based POS may be performed after step (d)

(e) receiving a payment approval from the payment unit; And (f) transmitting the order request to the POS terminal within the franchisee by the payment unit.

Meanwhile, a user terminal-based POS according to another embodiment of the present invention includes a communication unit for transmitting and receiving data through a network; A settlement unit for generating order information, receiving an authentication code from the authentication unit, and requesting settlement approval based on the order information and the authentication code; An authentication unit for performing authentication, generating an authentication code, and transmitting the generated authentication code to a payment unit; And a control unit for controlling the communication unit, the settlement unit, and the authentication unit. .

The user terminal-based POS further includes a memory unit for storing a library to be referred to when the authentication code is tokenized or interpreted.

In addition, the user terminal-based POS further includes an ordering unit for generating an ordering request based on user input and delivering the generated ordering request to a payment unit.

According to the present invention, it is possible to purchase a commodity or a service using only a user terminal. In particular, because the intervention of the POS terminal is eliminated during the settlement, the user does not need to move to the POS terminal or access the POS terminal, It is effective.

In addition, according to the present invention, it is possible to perform both authentication and payment on one user terminal by deviating from a convention that a conventional terminal for payment and a terminal for authentication must be implemented separately, Since the step of transmitting and receiving the information is also omitted, the risk of information leakage can be reduced.

In addition, according to the present invention, the authentication code transmitted in the user terminal is also referred to as a library shared by the payment unit and the authentication unit, thereby enhancing security.

Further, according to the present invention, since the merchant identifier can be flexibly changed and changed at the time of payment using the user terminal, the user can pay for the merchandise or service without paying attention to the place of purchase.

1 illustrates an example of a settlement method using a conventional POS terminal.
2 shows a system for implementing a payment method according to the present invention.
FIG. 3 illustrates an exemplary embodiment in which a user terminal according to the present invention internally transmits an authentication code.
4 is a flowchart illustrating a payment method using a POS based on a user terminal according to an embodiment of the present invention.
FIG. 5 illustrates another embodiment of a settlement method using a user terminal-based POS according to the present invention.
6 is a block diagram illustrating a detailed configuration of a POS based on a user terminal for performing a payment method according to the present invention.

DETAILED DESCRIPTION OF THE EMBODIMENTS Reference will now be made in detail to the preferred embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment according to the present invention will be described in detail with reference to the accompanying drawings.

The embodiments disclosed herein should not be construed or interpreted as limiting the scope of the present invention. It will be apparent to those of ordinary skill in the art that the description including the embodiments of the present specification has various applications. Accordingly, any embodiment described in the Detailed Description of the Invention is illustrative for a better understanding of the invention and is not intended to limit the scope of the invention to embodiments.

A user terminal may be referred to herein as a mobile station, a mobile terminal, a subscriber station, a portable subscriber station, a user equipment, an access terminal, Means any type of device capable of data communication with the device and may include all or some of the functions of the device.

The functional blocks shown in the drawings and described below are merely examples of possible implementations. In other implementations, other functional blocks may be used without departing from the spirit and scope of the following detailed description. Also, although one or more functional blocks of the present invention are represented as discrete blocks, one or more of the functional blocks of the present invention may be a combination of various hardware and software configurations that perform the same function.

Furthermore, the expression "including an element" is merely referred to as an "open" expression, and the element should not be understood as excluding the additional elements.

Further, when a component is referred to as being connected or connected to another component, it may be directly connected or connected to the other component, but it should be understood that there may be other components in between.

Also, the ordinal numbers such as "first, second" are used only to distinguish the corresponding configuration, and the scope of the right should not be limited according to the above ordinal number.

Hereinafter, a payment method using a conventional POS terminal 20 will be described with reference to FIG.

1, a user needs a user terminal 10, a POS terminal 20, and a payment server 30 to purchase goods or services.

Meanwhile, in the present specification, the user terminals 10 and 100 are portable terminals such as a smart phone, a PMP, and a laptop computer that can be carried by a user. However, the user terminals 10 and 100 are not necessarily limited to portable terminals, It is to be understood that all types of terminals equipped with a central processing unit capable of processing by itself can be included. The POS terminal 20 is a payment terminal installed in an affiliate store. Generally, the POS terminal 20 generates order information for a product or a service ordered by a user and sends a payment approval request to the payment server 30 (e.g., Card issuer server). On the other hand, the payment server (30, 300) means a subject who finally approves a payment transaction by a user. For example, a payment server A subject's server may be included.

Referring back to FIG. 1, the POS terminal 20 first generates order information based on an order content desired to be purchased by the user. Thereafter, the user selects the payment means separately from the POS terminal 20 using the user terminal 10, and performs authentication on the selected payment means. At this time, the authentication is performed through communication with the payment server 30 corresponding to the payment means. For example, the payment server issues a one-time authentication code to the user terminal 10 by issuing a one-time authentication code.

Then, the user terminal 10 transmits an authentication code in the form of a bar code or serial number to the POS terminal 20 to inform that the authentication for the payment has been completed. A method in which the authentication code is transmitted from the user terminal 10 to the POS terminal 20 includes a method of reading the barcode displayed on the screen of the user terminal 10 by a barcode reader provided in the POS terminal 20, A method of accessing the user terminal 20 to transmit the authentication code by the NFC method, or the like is used.

Next, the POS terminal 20 having received the authentication code requests the settlement server 30 to finally approve the settlement, and the settlement is completed at the same time that the settlement approval is received from the settlement server 30.

As described above, the conventional payment method requires the POS terminal 20 in order to generate order information and request payment approval in the settlement process. In the case of purchasing goods or services, It is inconvenient to move to the POS terminal 20 installed in the POS terminal 20. Further, in order to proceed with all settlement, it is necessary to perform a process of authenticating the settlement and notifying that the authentication is completed. In the case of the conventional settlement method, payment is made at the POS terminal 20, There has been a problem that the settlement process becomes complicated, and settlement and authentication are performed in different terminals, so that information such as an authentication code is transmitted and received between both terminals, thereby increasing the risk of information leakage.

SUMMARY OF THE INVENTION The present invention has been proposed to solve such problems and it is an object of the present invention to provide a method and system for providing a user terminal 100 with only the user terminal 100, And to be able to perform it. Hereinafter, a detailed description will be given.

Figure 2 is a simplified illustration of the components needed to implement the payment method according to the present invention.

As shown in FIG. 2, the present invention requires only the user terminal 100 and the payment server 300 at the time of payment. In particular, the steps of the conventional POS terminal such as order information generation and payment approval request are transmitted to the user terminal 100 To allow the POS terminal to intervene independently of existing POS terminals.

Meanwhile, the present invention simplifies the entire settlement process by adding a function that can be performed by the conventional POS terminal in the user terminal 100. Accordingly, it can be seen that the user terminal 100 and the POS terminal are combined Hereinafter, terms will be used by referring to the same object as the user terminal 100 and the user terminal-based POS (terminal).

Specifically, the user terminal 100 according to the present invention directly performs the main steps of settlement such as i) generating order information ii) performing authentication and generating an authentication code iii) requesting payment approval.

The POS terminal can be excluded from the payment process according to the present invention because authentication and payment can be performed on one terminal, that is, on the user terminal 100. Conventionally, There is a legal limitation that a terminal for processing authentication and a terminal for processing authentication should be separately provided, so that a method of processing authentication and settlement in the same terminal can not be implemented, and even if it is not a legal restriction, There is a high risk that the user's main financial information will be leaked to the outside when the security defect occurs in the terminal. Thus, in the past, the method of processing payment and authentication in the same terminal has not been utilized.

However, since the legal restriction that the settlement and the authentication are performed separately in the terminal is relaxed, the two steps can be simultaneously performed in one terminal. Furthermore, even if the settlement and the authentication are performed in one terminal, The present invention proposes a POS based on the user terminal 100 on the system as shown in FIG. 2 and a settlement method using the same.

FIG. 3 schematically shows a payment unit 120 and an authentication unit 130 provided in the user terminal 100 according to the present invention, and a configuration in which these configurations transmit and receive an authentication code. The settlement unit 120 and the authentication unit 130 included in the user terminal 100 may be configured to perform the authentication of the user terminal 100 using the barcode The authentication unit 130 and the authentication unit 130 may be stored in a form that can be transmitted internally to the user terminal 100 without changing the authentication code to a data format for displaying the authentication code, It is possible to transmit and receive the authentication code in a manner of transmitting / receiving data in general without needing to perform an action. In this case, the payment unit 120 and the authentication unit 130 may be implemented in the form of an application in the user terminal 100. In this case, the authentication code may be transmitted and received in an App-to-App manner have.

Hereinafter, a payment method using the user terminal 100 according to the present invention will be described in detail with reference to FIG.

4, in the payment method according to the present invention, the settlement unit 120 in the user terminal 100 firstly transmits order information according to an order input (S200) input by a user and an order request (S210) (S220). The order information generated at this time may be based on the order contents directly input by the user, or may be based on the ordering part 150 provided in the user terminal 100, for example, The settlement unit 120 may generate a settlement amount based on the settlement amount. At this time, the order information may include detailed information such as a name of a goods or service to be purchased by a user, a price, a point provided at the time of purchase, an order date, and an order position.

After the order information is generated by the settlement unit 120, the settlement unit 120 also requests the authentication unit 130 included in the user terminal 100 to perform authentication for the settlement (S230) . Such an authentication request may be generated in the form of an independent data and transmitted to the authentication unit 130. Alternatively, the authentication unit 130 may recognize generation of order information in the settlement unit 120 as the same as the authentication request signal, .

Upon receiving the authentication request, the authentication unit 130 performs an authentication process for the corresponding settlement (S240). The authentication procedure can be divided into four processes as i) selecting the payment method ii) authenticating iii) generating the authentication code iv) transmitting the authentication code. That is, the authentication process is a process for the user to select the payment means to be used at the time of purchase of the goods or services, and obtain the authentication for proceeding the payment to the payment server 300 corresponding to the payment means.

The payment means selection step is a step of selecting the means that the user intends to use for purchasing goods or services, such as credit card payment, communication company settlement, point settlement, coupon settlement, account settlement, and the like.

After the payment means is selected, the user performs the authentication in connection with the payment server 300 that manages the payment means, that is, a server such as a card company, a communication company, an affiliate shop, or a financial institution. At this time, various methods can be used as the authentication means. For example, a PIN number input, a user's biometric information input, other password input, voice input, etc. can be used. The payment server 300 determines whether or not the authentication is approved when an input based on the authentication is received from the user terminal 100, and issues an authentication code when it is determined that authentication is performed by the correct user.

The authentication code issued by the payment server 300 is transmitted to the user terminal 100. The user terminal 100 generates the authentication code based on the authentication code. Meanwhile, a so-called tokenization technique may be applied to the authentication code generated by the user terminal 100, more precisely the authentication unit 130, at this time. Tokenization refers to replacing the authentication information with a predetermined unique token in order to enhance security level and prevent forgery and falsification in electronic commerce payment. When the authentication code is generated using the tokenization technique, it is possible to restrict the specific merchant, the payment device, the transaction type, and the transaction route with the unique encryption and the own security setting, so that the settlement can be performed only in the specific merchant and the channel Therefore, it is possible to block the risk of leakage of financial information. The up-to-tokenization is performed with reference to a predetermined library. The library is stored in the memory unit 160 of the user terminal 100 so that the payment unit 120 and the authentication unit 130 can share the library. That is, the authentication unit 130 first generates an authentication code, and before sending the authentication code to the payment unit 120, the authentication unit 130 refers to the library tokenize the authentication code, and the settlement unit 120 receives the authentication code And then the library is referred to again so that the authentication code can be interpreted.

Meanwhile, when generating the authentication code, the authentication unit 130 includes authentication information such as order information, channel path, device information, and user information, and causes the payment unit 120, which receives the authentication information, to verify the authentication information in the authentication code So that it is possible to prevent erroneous payment in advance. That is, when the authentication information included in the authentication code generated by the authentication unit 130 does not match the authentication information recognized by the payment unit 120, the payment unit 120 notifies the user of the error in payment So that wrong payment can be blocked in advance.

The final step of the authentication process is a step S250 in which the authentication unit 130 transmits the authentication code to the settlement unit 120. This is because the settlement unit 120 included in one user terminal 100, And the authentication unit 130 directly transmits and receives data. That is, according to the present invention, the conventional authentication has to be performed in terminals having different settlement and authentication. However, according to the present invention, since payment and authentication can be performed in one terminal, unnecessary data transmission process between terminals can be omitted, The risk of financial information leakage can be reduced.

In particular, the payment unit 120 and the authentication unit 130 may be implemented in the form of an application in the user terminal 100. In this case, the payment unit 120 and the authentication unit 130 may generate an App- -App) to send and receive authentication codes.

The payment unit 120 and the authentication unit 130 may be implemented in the form of a web. In this case, the payment unit 120 and the authentication unit 130 may simultaneously transmit a web May be implemented to exchange mutual authentication codes according to an internal data communication method of a user terminal (e.g., a PC or a smart phone) that can be executed.

As described above, the payment unit 120 and the authentication unit 130 may be implemented in the form of an application or a web. The method in which the payment unit 120 and the authentication unit 130 exchange authentication codes according to the implementation mode It should be understood that it can be modified.

The authentication process of the payment method according to the present invention has been described.

On the other hand, the payment unit 120 receiving the authentication code from the authentication unit 130 transmits a payment approval request to the payment server 300 based on the order information and the authentication code generated in S260. The payment approval request is for requesting the payment server 300 to finally approve the payment according to the contents of the order. The payment approval request may be transmitted to the payment server 300 directly, And transmitted to the payment server 300 through the relay server.

Thereafter, the payment server 300 determines whether or not the payment approval request is approved and, if approved, transfers the payment approval to the payment unit 120 of the user terminal 100 (S270).

In addition, the payment unit 120 may transmit the payment approval request to the order unit 150 after receiving the payment approval from the payment server 300. In this case, the payment unit 120 transmits the payment approval request to the order unit 150 Is called an order acknowledgment.

The ordering unit 150 receiving the order approval can deliver it to the user by using the alarm means provided in the user terminal or can transmit it to the franchise terminal (POS terminal) to provide the franchisee stock price service or product to the user have. In addition, the ordering unit 150 may receive a completion message indicating that service or product preparation is completed from the merchant terminal (POS terminal), and may transmit the completion message to the user using the alarm means provided in the user terminal 100.

The payment method centering on the user terminal 100 according to the present invention has been described above in a sequential order.

5 is a diagram for explaining a process in which the settlement unit 120 flexibly sets a merchant identifier (e.g., CAT ID).

In the case of the conventional payment method, the POS terminals installed in the merchant store are fixedly matched with the merchant identifier of the merchant, so that each POS terminal is provided with only the merchant There was a limit to the possibility of payment.

However, in the case of implementing the payment method centering on the user terminal 100 as in the present invention, it is assumed that the user visits various merchant stores to purchase goods or services, It is necessary to set the merchant identifier to be flexible.

Referring to FIG. 5, the payment method according to the present invention can be implemented such that the payment unit 120 sets the merchant point identifier at the beginning of payment. Preferably, the payment unit 120 is activated and the current user makes a payment It is possible to recognize an affiliated shop and set an affiliated shop identifier corresponding thereto.

For example, the order information received from the order unit 150, the location information of the user terminal 100, or the location information of the user terminal 100 through the input unit of the user terminal 100 may be directly set by referring to various reference information. The merchant identifier can be set with reference to the entered options.

In one embodiment, the settlement unit 120 has described that the order content can be received from the order unit 150. The settlement unit 120 refers to the order content received from the order unit 150 The merchant identifier can be set. Particularly, at this time, the order content may include the name, location, and identification information of a specific merchant. The settlement unit 120 reads the information capable of distinguishing the merchant in the order content and uses it for setting the merchant identifier .

In another embodiment, the settlement unit 120 may set a merchant identifier based on the location information of the user terminal 100. In general, the user terminal 100 includes a location information obtaining unit that can obtain current location information. The location information obtaining unit obtains location information of the current user terminal 100 using GPS technology or beacon technology based on short- It is assumed that the location information of the mobile terminal can be obtained. That is, the settlement unit 120 can identify the franchisee where the current user is staying based on the location information obtained by the location information acquisition unit in the user terminal 100, and set the franchise identifier and proceed the settlement .

In yet another embodiment, the payment unit 120 may set a merchant identifier from the information directly input by the user. That is, the payment unit 120 may display a list so that the user can directly select a currently visited merchant through the screen before generating the order information and proceeding to the payment process in the next step. The merchant identifier can be set based on the identified merchant.

As described above, the payment method centering on the user terminal 100 according to the present invention can set up the merchant identifier (CAT ID) by referring to the order content, the position information, and the user input respectively or by combining these information, It is possible to perform a smooth settlement process.

6 shows a detailed configuration of the user terminal 100 according to the present invention.

6, the user terminal 100 according to the present invention may include a communication unit 110, a payment unit 120, an authentication unit 130, and a control unit 140.

First, the communication unit 110 is responsible for transmitting and receiving data between the user terminal 100 and the external settlement server 300, and preferably transmits and receives data through a wireless network.

As described above, the settlement unit 120 is a configuration for performing the POS terminal function in the conventional settlement method. The settlement unit 120 generates order information, receives an authentication code from the authentication unit 130, And then requests the payment server 300 for payment approval based on the order information and the authentication code.

The authentication unit 130 is provided in the same user terminal 100 as the settlement unit 120 and authenticates the payment with the payment server 300 to generate an authentication code, To the settlement unit (120). Since the authentication process performed by the authentication unit 130 has been described in detail above, it will not be described in this paragraph.

The user terminal 100 includes a control unit 140 for controlling each of the functional units described above, that is, the communication unit 110, the settlement unit 120, and the authentication unit 130. At this time, the control unit 140 may include at least one computing unit. The computing unit may be a general central processing unit (CPU), a programmable device element (CPLD, FPGA) May be a semiconductor computing device (ASIC) or a microcontroller chip.

The above components are essential for implementing the payment method according to the present invention.

In addition, the user terminal 100 according to the present invention may further include an ordering unit 150 and a memory unit 160.

The ordering unit 150 receives the order content directly from the user and transmits the order content to the payment unit 120. [ The ordering unit 150 may be implemented by software, for example, a merchant-only application provided by a merchant business entity, or a web page provided by a merchant business entity. Also, the order information transmitted from the order unit 150 to the settlement unit 120 may include information related to the merchant, and the settlement unit 120 may set the merchant identifier (CAT ID) with reference to the merchant information.

In addition to the function of delivering the contents of the order to the settlement unit 120, the order unit 150 receives an order approval signal from the settlement unit 120 after the settlement unit 120 receives the final settlement approval, The present invention can be applied to various functions such as smart order, offline-to-online (O2O) shopping mall settlement, and the like. It can be applied to the settlement method of the structure.

Meanwhile, as described above, the memory unit 160 stores a library referred to when the authentication unit 130 generates the authentication code by applying the tokenizing technique and when the authentication unit 130 analyzes the authentication code received by the payment unit 120 The payment unit 120 and the authentication unit 130 can be connected to the memory unit 160 to share the library.

According to another aspect of the present invention, when executed by the user terminal 100, the user terminal 100 including the payment method described above, that is, the payment unit 120 and the authentication unit 130, A method of making a payment for a product or service, the method comprising the steps of: (a) generating an ordering information by a payment unit (120); (b) the authentication unit 130 performs authentication for a payment progress and generates an authentication code; (c) the payment unit 120 receiving the authentication code from the authentication unit 130; And (d) requesting the settlement unit (120) to approve payment based on the order information and the authentication code; A payment method centered on the user terminal 100 including the user terminal 100 can be provided.

Meanwhile, the payment method centering on the user terminal 100 can be created by a program, and the code and code segments constituting the program can be easily deduced by a programmer in the field. Further, the program relating to the package coupon providing method may be stored in an information storage medium (Readable Media) readable by the electronic apparatus, and read and executed by the electronic apparatus.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, It will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the present invention.

10, 100: user terminal
20: POS terminal
30, 300: payment server
110:
120:
130:
140:
150: Order part
160:

Claims (12)

A method for making payment for a product or service using a user terminal including a payment unit and an authentication unit,
(a) generating a payment unit order information;
(b) the authentication unit performs authentication for a payment progress and generates an authentication code;
(c) the payment unit receiving the authentication code generated by the authentication unit; And
(d) the payment unit requests payment approval based on the order information and the authentication code;
, ≪ / RTI &
Wherein the payment unit and the authentication unit are each implemented as an application,
The step (b) may include: generating an authentication code by the authentication unit, tokenize the authentication code with reference to a library shared with the payment unit,
Wherein the tokenized authentication code includes authentication information of at least one of order information, channel path, device information, or user information,
The step (c)
(c-1) the payment unit receiving the tokenized authentication code from the authentication unit;
(c-2) interpreting the tokenized authentication code with reference to a library shared by the payment unit with the authentication unit;
(c-3) the payment unit acquiring the authentication information from the authentication code;
(c-4) a step in which the payment unit verifies the acquired authentication information;
The method comprising the steps of:
The method according to claim 1,
Setting a payment unit identifier of a merchant;
Further comprising the steps of:
3. The method of claim 2,
However,
Wherein the merchant identifier is set according to the order information, the location information of the user terminal, the settlement request subject identifier or the user input.
delete delete delete delete The method according to claim 1,
before the step (a), the payment unit receives an order request from the order unit;
Further comprising the steps of: receiving a payment request from the user terminal;
The method according to claim 1,
After step (d)
(e) receiving a payment approval from the payment unit; And
(f) transmitting the order request to the POS terminal in the merchant;
Further comprising the steps of:
A communication unit for transmitting and receiving data through a network;
A payment unit for generating order information, receiving the authentication code generated by the authentication unit, and requesting payment approval based on the order information and the authentication code;
An authentication unit for performing authentication and generating an authentication code, referring to a library shared with the settlement unit, tokenize the authentication code, and transmitting the tokenized authentication code to the payment unit; And
A control unit for controlling the communication unit, the payment unit, and the authentication unit;
Lt; / RTI >
The payment unit and the authentication unit are each implemented as an application,
Wherein the tokenized authentication code includes authentication information of at least one of order information, channel path, device information, or user information,
The payment unit receives the tokenized authentication code from the authentication unit,
The payment unit interprets the tokenized authentication code with reference to a library shared with the authentication unit,
The settlement unit acquires the authentication information from the authentication code,
And the payment unit performs verification of the acquired authentication information.
11. The method of claim 10,
A memory unit for storing a library to be referred to when the authentication code is tokenized or interpreted;
Further comprising:
11. The method of claim 10,
An ordering unit for generating an ordering request based on the user input and delivering the generated ordering request to the settlement unit;
Further comprising:

Images