KR101831159B1 - Method for providing payment inquiring sevice, terminal and payment means thereof - Google Patents

Abstract

The present invention relates to a method of providing a service for inquiring usage history of a payment means using a terminal capable of wire / wireless communication, comprising the steps of: recognizing a QR code formed in a payment means; Extracting identification information for the payment means from the QR code; Transmitting payment means identification information to a server; Receiving usage history information on the payment means from a server; And displaying usage history information received from the server.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a service providing method,

The present invention relates to a method of providing a service for inquiring use history of a payment means such as a gift certificate and a card using a terminal.

In addition to general offline settlement, e-commerce on the online e-commerce has been activated, and various payment methods such as gift certificates, prepaid cards, debit cards, check cards or credit cards have been used in addition to cash for purchasing products.

However, in the case of payment means as described above, there is an inconvenience that a user must input a gift certificate or a card number by accessing a Web site or the like providing the inquiry service using a designated terminal in order to confirm the use details used for purchasing goods.

For example, if you have a prepaid card and you have a balance remaining for a certain amount of the total available amount, you can visit the website or check the balance through the retailer's payment terminal.

An object of the present invention is to provide a inquiry service providing method that enables a user to easily check the use history of a payment means such as a gift certificate and a card, a terminal using the same, and a payment means.

A method of providing a usage history inquiry service according to an embodiment of the present invention provides a service for inquiring usage history of a payment means using a terminal capable of wired / wireless communication, and recognizing a QR (Quick Response) code formed in the payment means ; Extracting identification information for the payment means from the recognized QR code; Transmitting the extracted payment means identification information to a server; Receiving usage history information for the payment means from the server; And displaying usage history information received from the server.

Also, a terminal according to an embodiment of the present invention includes a camera for recognizing a QR code formed in a payment means; Extracting identification information for the payment means from the recognized QR code; A communication unit for transmitting the extracted payment means identification information to a server and receiving usage history information for the payment means from the server; And a display unit for displaying usage history information received from the server, wherein the usage history information includes at least one of usage limits of the payment means and previous payment details.

A payment means according to an embodiment of the present invention performs settlement using at least one of magnetic stripe, IC (integrated circuit) and barcode, and a QR code including identification information for the payment means And the address of the server for inquiring the usage history information of the payment means can be extracted from the QR code.

Meanwhile, the inquiry service providing method may be implemented by a computer-readable recording medium having recorded thereon a program for execution on a computer.

According to the embodiment of the present invention, the convenience of the user can be improved by recognizing the QR code formed in the payment means and inquiring the usage details such as the balance of the payment means.

FIG. 1 is a block diagram briefly showing the entire configuration of a payment means usage history checking system according to an embodiment of the present invention.
2 is a diagram showing a first embodiment of the configuration of a payment means.
3 is a diagram showing a second embodiment of the configuration of payment means.
4 is a diagram showing a third embodiment of the configuration of payment means.
5 is a block diagram illustrating a configuration of a terminal according to an embodiment of the present invention.
6 is a flowchart illustrating a method of providing a query service according to an embodiment of the present invention.
7 to 10 are views showing embodiments of a configuration of an inquiry service screen using a QR code.

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

First, the terms used in the specification of the present invention will be briefly defined, and then an embodiment of the present invention will be described.

The term " terminal "described in this specification may include a mobile phone, a smart phone, a laptop computer, a digital broadcast terminal, a PDA (Personal Digital Assistants), a PMP (Portable Multimedia Player) The present invention is not limited thereto, and may be various devices capable of user input and information display.

FIG. 1 is a block diagram of an entire configuration of a payment means usage history checking system according to an embodiment of the present invention. The system includes a payment means 10, a terminal 100, and a server 200, .

Referring to FIG. 1, the payment means 10 can be used for purchasing goods other than cash. The payment means 10 includes a branching gift certificate printed on paper and a card-shaped payment means such as a prepaid card, a debit card, a check card, .

Generally, a gift certificate is a flat bearer security issued by an issuer so that it can be exchanged for a specific commodity, so that the issuer can purchase the commodity covered by the issuer within the amount stated in the gift certificate.

In the above-mentioned gift certificate, a self-issued gift certificate (a gift certificate issued by a single company, such as a department store gift certificate or a shoe store gift certificate, which can be used only by the relevant company) for promoting the self- And a third-party-issued voucher (a gift certificate that can be freely used within a plurality of companies, such as books, cultural vouchers, or national tourist vouchers, etc.) for the active promotion of the company by signing a contract.

On the other hand, a prepaid card is a card that can pay a predetermined amount in advance and issue a card in which the amount of money is recorded, so that the user can purchase the product from time to time within the range of the card balance.

In addition, a debit card is a card that allows a cardholder to automatically withdraw a used amount from a member's bank account as soon as the cardholder uses the card at the merchant. The credit card receives the goods or services first, This is a credit card used to automatically pay off an account. A check card is a form of payment that is an intermediate form of a debit card and a credit card.

For example, a recognition medium including information capable of recognizing a corresponding payment means such as a magnetic stripe, an IC (Integrated Circuit), or a barcode is formed on the payment means 10 as described above , Goods settlement can be performed by reading information included in the recognition medium through the payment terminal (or a reader connected thereto).

According to the embodiment of the present invention, the settlement means 100 may be provided with a QR code that allows the user to inquire the usage history information of the payment means including the identification information of the payment means 100. [

The terminal 100 may be a smart phone having a wireless Internet access function or the like capable of communication using a wired or wireless Internet or the like so as to be able to access the server 200 and view usage history of the payment means 10 .

Specifically, the terminal 100 includes means (for example, a camera) capable of recognizing a QR code formed on the payment means 10, and acquires identification information (e.g., For example, a gift certificate number or a card number).

The terminal 100 may extract information (for example, an IP address of the server 200) for accessing the server 200 providing the usage history inquiry service from the QR code, It is possible to access the server 200 using the information.

After the terminal 100 is connected to the server 200 by using the QR code formed in the payment means 10 as described above, the identification information of the payment means 10 extracted from the QR code is used to identify the server 200 The user can receive the usage history information about the payment means and provide the information to the user.

For example, the usage history information that can be provided to the user through the system as shown in FIG. 1 may be a balance of a gift certificate, a prepaid card, a check card, or a debit card. On the other hand, when the payment means 10 is a credit card, the usage history information may include payment details of the credit card, a usage limit, or a settlement amount of the present month. In addition, the usage history information of the payment means 10 may further include information related to the accumulated points and the like.

According to the embodiment of the present invention, as described above, by recognizing the QR code formed in the payment means 100 and viewing the usage details such as the balance of the payment means, 100), the use history of the payment means 10 can be easily and quickly confirmed, and convenience for the user can be improved.

FIGS. 2 to 4 show embodiments of the configuration of the payment means 100 according to the present invention.

2, a QR code 12 is printed on at least one of the front side 11a and the back side 11b of the branch gift certificate. The QR code 12 is a serial number of the gift certificate as identification information for the gift certificate, The issuer related information, the issuance date information, and the like. In addition, the information on the server 200 providing the service history inquiry service may include a server IP address and the like.

The serial number of the gift voucher is a unique number that can identify the gift voucher, and the user can grasp the use position and the usage state when using the gift voucher. When the gift certificate is used online, the serial number and the password scratch portion may be stripped, and a password corresponding to the authentication number may be input to the web page.

In addition, the barcode 13 may be printed on the rear surface 11b of the gift certificate. For example, the barcode 13 may be read using the barcode reader at the merchant, and the merchandise may be read to settle the purchase of the merchandise or service.

3, a magnetic stripe 14 is formed on one side of a gift certificate, for example, the rear surface 11b, and the magnetic stripe 14 is read through a magnetic reader of a merchant to enable purchase settlement, May purchase the goods or services while continuing to use the voucher without replacing the voucher until the amount of the voucher is exhausted.

When the user photographs and recognizes the QR code 12 printed on the front face 11a or the rear face 11b of the gift certificate using the terminal 100 such as a smart phone, Accesses the server 200 using the gift certificate serial number and / or the gift certificate issuing location and the server IP address included in the QR code 12, and immediately displays the current balance information of the gift certificate on the screen of the terminal 100 Can be displayed.

4, a QR code 17 is printed on at least one of a front face 15a and a rear face 15b of a card (for example, a prepaid card, a debit card, a check card, and a credit card) And the QR code 17 may include card number, card issuer related information, and the like as identification information for the corresponding card. In addition, the QR code 17 may include information on the server 200 providing the usage history inquiry service, Address, and the like.

On the other hand, an IC (integrated circuit) is formed on the front face 15a of the card or a magnetic stripe 18 is printed on the rear face 15b, and payment for goods or services can be performed using them.

When the user photographs and recognizes the QR code 17 printed on the front face 15a or the rear face 15b of the card using the terminal 100 such as a smart phone, Accesses the server 200 using the card number and / or the card issuer, which is information included in the QR code 17, and the server IP address, and directly accesses the current balance, usage details, payment amount, Can be displayed on the terminal 100 screen.

In the above description, the payment means 10 according to the embodiment of the present invention is exemplified by a gift certificate, a prepaid card, a debit card, a check card and a credit card. However, the present invention is not limited to this, And may include various fluids that may be used for purchase.

5 is a block diagram illustrating a configuration of a terminal according to an exemplary embodiment of the present invention. The terminal 100 includes a wireless communication unit 110, an A / V input unit 120, a user input unit 130, A sensing unit 140, an output unit 150, a memory unit 160, an interface unit 170, a control unit 180, a power supply unit 190, and the like. The components shown in Fig. 5 are not essential, and a mobile terminal having more or fewer components may be implemented.

5, the wireless communication unit 110 includes one or more modules that enable wireless communication between the mobile terminal 100 and a wireless communication system or between a mobile terminal 100 and a network in which the mobile terminal 100 is located can do. For example, the wireless communication unit 110 may include a broadcast receiving module 111, a mobile communication module 112, a wireless Internet module 113, a short range communication module 114, and a location information module 115 .

The broadcast receiving module 111 receives broadcast signals and / or broadcast-related information from an external broadcast management server through a broadcast channel. The broadcast signal and / or broadcast related information received through the broadcast receiving module 111 may be stored in the memory unit 160.

The mobile communication module 112 transmits and receives a radio signal to at least one of a base station, an external terminal, and a server on a mobile communication network. The wireless signal may include various types of data depending on a voice call signal, a video call signal or a text / multimedia message transmission / reception.

The wireless Internet module 113 refers to a module for wireless Internet access, and the wireless Internet module 113 can be embedded in the mobile terminal 100 or externally.

According to an embodiment of the present invention, the terminal 100 accesses the server 200 through the wireless Internet module 113 using the IP address extracted from the QR code formed in the payment means 10, You can request and receive usage history information.

The short-range communication module 114 refers to a module for short-range communication. Bluetooth, radio frequency identification (RFID), infrared data association (IrDA), ultra wideband (UWB), ZigBee, and the like can be used as the short distance communication technology.

The location information module 115 is a module for confirming or obtaining the location of the mobile terminal. The location information module 115 may obtain location information using a global navigation satellite system (GNSS).

The A / V input unit 120 is for inputting an audio signal or a video signal. The A / V input unit 120 may include a camera 121 and a microphone 122. The camera 121 processes an image frame such as a still image or moving image obtained by the image sensor in the video communication mode or the photographing mode. The processed image frame can be displayed on the display unit 151. [

The image frame processed by the camera 121 may be stored in the memory unit 160 or may be transmitted to the outside through the wireless communication unit 110. [ The camera 121 may be equipped with two or more cameras according to the configuration of the terminal.

According to an embodiment of the present invention, the terminal 100 can form the payment means 10 through the camera 121, and can extract information included in the QR code by photographing the QR code.

The user input unit 130 generates input data for a user to control the operation of the terminal. The user input unit 130 may include a key pad dome switch, a touch pad (static / static), a jog wheel, a jog switch, and the like.

The sensing unit 140 senses the current state of the mobile terminal 100 such as the open / close state of the mobile terminal 100, the position of the mobile terminal 100, the presence or absence of user contact, the orientation of the mobile terminal, And generates a sensing signal for controlling the operation of the mobile terminal 100.

The output unit 150 may include a display unit 151, an audio output module 152, an alarm unit 153, and a haptic module 154, for example, for generating output related to visual, auditory, have.

The display unit 151 displays and outputs information processed by the mobile terminal 100. For example, when the mobile terminal is in the call mode, a UI (User Interface) or a GUI (Graphic User Interface) associated with a call is displayed. When the mobile terminal 100 is in the video communication mode or the photographing mode, the photographed and / or received video or UI and GUI are displayed.

According to an embodiment of the present invention, the usage history information of the payment means 10 received by the terminal 100 from the server 200 may be displayed through the display unit 151 and provided to the user.

The display unit 151 is connected to a display unit 151 and a sensor for sensing a touch operation (hereinafter, referred to as 'touch sensor') having a mutual layer structure It can also be used as an input device. The touch sensor may have the form of, for example, a touch film, a touch sheet, a touch pad, or the like.

The memory unit 160 may store a program for the operation of the controller 180 and temporarily store input / output data (e.g., a phone book, a message, a still image, a moving picture, etc.). The memory unit 160 may store data related to vibration and sound of various patterns outputted when a touch is input on the touch screen.

The interface unit 170 serves as a path for communication with all external devices connected to the mobile terminal 100. The interface unit 170 receives data from an external device or receives power from the external device to transfer the data to each component in the mobile terminal 100 or to transmit data in the mobile terminal 100 to an external device.

The control unit 180 typically controls the overall operation of the mobile terminal. For example, voice communication, data communication, video communication, and the like. The control unit 180 may include a multimedia module 181 for multimedia playback. The multimedia module 181 may be implemented in the control unit 180 or may be implemented separately from the control unit 180. [

The power supply unit 190 receives external power and internal power under the control of the controller 180 and supplies power necessary for operation of the respective components.

The various embodiments described herein may be embodied in a recording medium readable by a computer or similar device using, for example, software, hardware, or a combination thereof.

According to a software implementation, embodiments such as procedures or functions may be implemented with separate software modules that perform at least one function or operation. The software code may be implemented by a software application written in a suitable programming language. Also, the software codes may be stored in the memory unit 160 and executed by the control unit 180. [

Hereinafter, with reference to FIG. 6 to FIG. 10, a method of providing a service for inquiring use history of the payment means 10 will be described in detail.

6 is a flowchart illustrating an inquiry service providing method according to an exemplary embodiment of the present invention. Referring to FIG. 6, a service providing method illustrated in FIG. 6 includes a block diagram illustrating an exemplary embodiment of a configuration of the terminal 100 shown in FIG. Will be described.

Referring to FIG. 6, the camera 121 of the terminal 100 recognizes a QR code formed on one side of the payment means 10 (step S500).

For example, the user can execute a query application installed in the terminal 100 to confirm the currently usable amount of the gift certificate as shown in FIG.

7, the camera 121 of the terminal 100 is activated in a photographable state, and a rectangular area 610 for recognizing the QR code is displayed on the screen 600 of the terminal 100. In this case, Is displayed.

The user places the entire QR code 12 printed on the front side 11a or the rear side 11b of the gift certificate so as to be included in the rectangular area 610 of the screen 600 and displayed, (Or touch) input for the gift certificate QR code 12, the recognition of the gift certificate QR code 12 can be performed.

The control unit 180 of the terminal 100 then extracts the identification information for the payment means 100 from the recognized QR code in step S510 and transmits the identification information to the server 200 through the wireless Internet module 113 (S520), and transmits the extracted payment means identification information to the server 200 (S530).

When the identification information for the payment means 10 is extracted from the QR code, a phrase indicating completion of QR code recognition may be displayed on the screen 600 of the terminal 100 as shown in FIG. 8, And the number of the gift certificate printed with the QR code 12 may be displayed on the screen 600.

The server information such as the IP address of the server for accessing the server 200 through the wireless Internet module 113 is also included in the QR code so that the control unit 180 obtains .

The wireless Internet module 113 of the terminal 100 receives the usage history information about the payment means 10 from the server 200 in step S540 and the display module 151 displays the usage information received from the server 200 History information is displayed (step S550).

For example, after connecting to the server 200, the wireless Internet module 113 of the terminal 100 may transmit a balance inquiry request signal including the serial number of the gift certificate extracted from the QR code to the server 200 have. Meanwhile, the server 200 may search the database (not shown) for the balance of the gift certificate in response to the balance inquiry request signal, and may transmit the information about the balance to the terminal 100.

The terminal 100 may display the gift certificate usage history information received from the server 200 through the display module 151, for example, information on the gift certificate amount currently available on the screen 600.

9, the current balance may be displayed together with the information on the gift certificate, for example, the gift certificate issuance place and the gift certificate number, on which the user has photographed the QR code 12 on the screen 600 of the terminal 100 .

In addition, when the user selects the "check detailed usage details" button 630 displayed on the screen 600 shown in FIG. 9, the terminal 100 receives the past payment details using the gift certificate from the server 200 And display it on the screen 600.

In the above description, when the payment means 10 is a gift certificate, a service providing method for inquiring transaction details information according to an embodiment of the present invention has been described. However, the service providing method as described above is not limited to the prepaid card, The present invention is equally applicable to payment means in the form of a card such as a credit card.

10, when the QR code 17 formed on the front face 15a or the rear face 15b of the credit card is recognized by using the camera 121 of the terminal 100 as shown in FIG. 4, The current usage limit amount for the credit card may be displayed on the screen 600 together with the number information.

In addition, when the user selects the "check detailed usage details" button 630 displayed on the screen 600 shown in FIG. 10, the terminal 100 receives the past payment details of the credit card from the server 200 And display it on the screen 600. In addition to the information on the past settlement history, information related to the use of a credit card such as a payment amount for the present month may be further provided to the user.

According to another embodiment of the present invention, a user authentication process may be further added to the billing means 10 before the usage history inquiry, in order to provide the above-mentioned inquiry service.

For example, the terminal 100 may receive information for authenticating the user from the user through the user input unit 130, and the information for authenticating the user may include a card password, an expiration date, a CVC number, Birthday, or an authorized certificate and a password for it may be required.

The terminal 100 may transmit the inputted identity authentication information to the server 200 via the wireless Internet module 113 and receive the identity authentication result according to the transmitted information from the server 200. [ At this time, the above-mentioned personal authentication may be performed by the server 200 shown in FIG. 1, or there may be a separate server for personal authentication.

The usage history information for the payment means 10 as shown in FIG. 10 may be provided to the user through the screen 600 of the terminal 100 only when the user authentication is successful.

The above-described method of providing the inquiry service according to the present invention may be stored in a computer-readable recording medium, which is a program for execution on a computer. Examples of the computer readable recording medium include ROM, RAM, CD-ROM , A magnetic tape, a floppy disk, an optical data storage device, and the like, and may also be implemented in the form of a carrier wave (for example, transmission over the Internet).

The computer readable recording medium may be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner. And, functional programs, codes and code segments for implementing the above method can be easily inferred by programmers of the technical field to which the present invention belongs.

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, but, on the contrary, It will be understood by those skilled in the art that various changes in form and detail may be made therein without departing from the spirit and scope of the present invention.

Claims (13)

A method of providing a service for inquiring usage history of payment means using a terminal capable of wired / wireless communication,
Displaying a region for recognizing a Quick Response (QR) code formed on the branch gift voucher through a display unit, when the user executes the application for searching for the branch voucher right, activating the camera in a photographable state;
Recognizing the QR code through the region;
Extracting from the recognized QR code identification information on the branching gift voucher and an IP address of a server for connecting to a server providing a usage history query service corresponding to the branching voucher according to an input to a user input unit;
Transmitting the extracted identification information to a server providing the usage history inquiry service through a wireless Internet module based on the IP address;
Receiving usage history information on the branch gift certificate from the server providing the usage history inquiry service through the wireless Internet module; And
And displaying usage history information received from the server,
The use history information includes a gift certificate issuance destination, a gift certificate number and current balance information of the branch gift certificate,
Wherein the tributary gift voucher can be paid without replacement until the balance of the voucher is exhausted by using a barcode or a magnetic stripe. delete delete 2. The method according to claim 1,
Wherein the service history information is a gift certificate number of the branch gift certificate. delete The information processing apparatus according to claim 1, wherein the usage history information
Further comprising a previous payment history of the branch gift certificate. The method according to claim 1,
Receiving information for authenticating the user;
Transmitting the inputted authentication information to the server; And
And receiving the authentication result of the user according to the transmitted information from the server. A camera activated in a photographable state to recognize a QR code formed in the branch gift voucher when the user executes an application for viewing the branch gift voucher;
A display unit for displaying an area for recognizing a Quick Response (QR) code formed in the branch gift certificate together with the activation of the camera;
A controller for extracting identification information on the branching gift voucher from the QR code recognized through the area according to a user input and IP address information for accessing a server providing a usage history query service corresponding to the branching voucher; And
Transmits the extracted identification information to a server providing the usage history inquiry service on the basis of the IP address information through a wireless Internet module, and transmits usage history information on the branch gift certificate through the wireless Internet module to the usage history And a communication unit for receiving from the server providing the inquiry service,
Wherein the display unit displays usage history information received from the server, the usage history information includes a gift certificate issuance destination, a gift certificate number, and current balance information of the branch gift certificate,
The tributary gift voucher can be paid without replacement until the balance of the voucher is exhausted by using a barcode or a magnetic stripe. delete 9. The method according to claim 8,
And the gift certificate number of the branch gift certificate. delete delete A recording medium on which a program for causing a computer to execute the method of any one of claims 1, 4, 6, and 7 is recorded.

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