KR101996798B1 - Method for providing qr code based payments service - Google Patents

Abstract

Provided is a method for providing a QR code-based payment service. The method for providing a QR code-based payment service comprises the steps of: receiving a membership application and a QR code issuance event from at least one member store terminal; generating, by the at least one member store terminal, a QR code in respond to the received QR code issuance event and storing the generated QR code to map the same with an identification code of the at least one member store terminal; outputting, when a user terminal scans the QR code, the at least one member store terminal and a product information page corresponding to the scanned QR code; allowing, when the user terminal selects at least one product from the product information page and applys for ordering and payment, the payment to be processed in the user terminal using a prestored simple payment means; and transmitting, when a payment authentication result is received, a payment completion event to the at least one member store terminal. According to the present invention, a member store can easily subscribe the service and generate a QR code.

Description

METHOD FOR PROVIDING QR CODE BASED PAYMENTS SERVICE [0002]

The present invention relates to a method of providing a payment service based on a QR code, and provides a method of selecting and paying a product by simply scanning a QR code.

The growth of smart devices has expanded the existing e-commerce services to the mobile environment, and various device functions and Internet-based services are being activated. QR codes, which have been neglected due to the spread of device readers compared to bar codes and RF modems, have been attracting attention. Some merchants have already improved payment methods, focusing on financial payment systems, We are proposing a convenient and safe system for users by applying unique device system.

At this time, the settlement system using the QR code is configured so that the smartphone scans the QR code, accesses the sales page according to the URL information, and performs ordering and settlement by paying the goods on the connected page. In this regard, Korean Patent Laid-Open Publication No. 2015-0092416 (published on Aug. 13, 2015) discloses a product management server displaying goods available for purchase according to URL information of a QR code scanned by a user terminal, When a user requests selection and payment of a desired product, the payment server allows the smartphone to pay for the product, and when the payment is completed, an alarm is transmitted from the payment server to the merchant management server and the smartphone, The information is transmitted to the smartphone to inform the user that the goods can be received.

However, since only the merchant information is stored in the above-described QR code, it is not widely used because of inconvenience of inputting the purchase amount of the merchandise through the confirmation of the POS staff and inputting the password separately when scanning from the smartphone, The online payment process in which a smartphone user makes a payment request is performed offline as it is, and when a card is used, the payment is quickly made by reading the card. However, if the QR code is used, And since the payment must be completed in the smartphone until authentication and authentication, the payment is relatively slowed, which causes the user to be hesitant to use the device.

In an embodiment of the present invention, a QR code can be generated without distinction of a business type by an easy subscription at an affiliate shop. When the generated QR code is recognized by a smart device, the product information stored in the server is provided. QR code that can display the menu and order screen with code scan alone, without having to wait for the clerk or to line up, and to choose the goods, choose the menu, and make a payment with the simple payment method without having to enter the store. Based payment service providing method. It should be understood, however, that the technical scope of the present invention is not limited to the above-described technical problems, and other technical problems may exist.

As a technical means for achieving the above technical object, an embodiment of the present invention is characterized by including: receiving a membership application and a QR code issuance event from at least one merchant terminal; receiving a QR code issuance event corresponding to a received QR code issuance event; Storing the generated QR code and the identification code of the at least one merchant terminal so as to map the generated QR code to at least one merchant terminal; The merchant terminal and the merchandise information page of the merchandise information page are displayed on the merchandise information page, and when the user terminal requests at least one merchandise by selecting at least one merchandise in the merchandise information page, Step, and a payment completion event when receiving the payment approval result Transmitting to my merchant terminal.

According to any one of the above-described tasks, the QR code can be generated without distinction of a business type by simple subscription at the merchant. When the generated QR code is recognized by the smart device, the merchandise information stored in the server is provided, Users do not need to wait for a clerk or line up, even if they do not have to enter a store, choose a product, choose a menu, and pay by simple payment method. Since it can be used as any device or program capable of reading the QR code, it is possible to provide various information of the products or menus of the offline merchants that are close to the vicinity but can not be easily accessed By acquiring and recognizing, the accessibility from the user of the franchisee around the user is improved, Through can reap the benefits in the consumption pattern changes in product revenue is expected to increase in accordance with the market and its expansion.

1 is a diagram for explaining a QR code-based payment service providing system according to an embodiment of the present invention.
2 is a block diagram illustrating a payment service providing server included in the system of FIG.
3 is a diagram illustrating an embodiment in which a QR code-based payment service according to an embodiment of the present invention is implemented.
FIG. 4 is a diagram illustrating a process in which data is transmitted and received between the respective components included in the QR code-based payment service providing system of FIG. 1 according to an embodiment of the present invention.
5 is a flowchart illustrating a method of providing a QR code-based payment service according to an exemplary embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "electrically connected" with another part in between . Also, when an element is referred to as "including" an element, it is to be understood that the element may include other elements as well as other elements, And does not preclude the presence or addition of one or more other features, integers, steps, operations, components, parts, or combinations thereof.

The terms "about "," substantially ", etc. used to the extent that they are used throughout the specification are used in their numerical value or in close proximity to their numerical values when the manufacturing and material tolerances inherent in the stated meanings are presented, Accurate or absolute numbers are used to help prevent unauthorized exploitation by unauthorized intruders of the referenced disclosure. The word " step (or step) "or" step "does not mean" step for. &Quot;

In this specification, the term " part " includes a unit realized by hardware, a unit realized by software, and a unit realized by using both. Further, one unit may be implemented using two or more hardware, or two or more units may be implemented by one hardware.

In this specification, some of the operations or functions described as being performed by a terminal, a device, or a device may be performed instead in a server connected to the terminal, device, or device. Likewise, some of the operations or functions described as being performed by the server may also be performed in a terminal, device or device connected to the server.

In this specification, some of the operations or functions described in the mapping or matching with the terminal are used for mapping or matching the unique number of the terminal or the identification information of the individual, which is the identification data of the terminal . ≪ / RTI >

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram for explaining a QR code-based payment service providing system according to an embodiment of the present invention. Referring to FIG. 1, a QR code-based payment service providing system 1 includes at least one user terminal 100, a payment service providing server 300, at least one merchant terminal 400, 500). However, the QR code-based payment service provision system 1 of FIG. 1 is only an embodiment of the present invention, and therefore, the present invention is not limited to FIG.

At this time, the respective components of FIG. 1 are generally connected through a network 200. 1, at least one user terminal 100 is connected to a payment service providing server 300, at least one merchant terminal 400 and a payment server 500 via a network 200, Can be connected. The settlement service providing server 300 may be connected to at least one user terminal 100, at least one merchant terminal 400, and at least one payment server 500 through the network 200. Also, at least one merchant terminal 400 may be connected to the user terminal 100 and the payment service providing server 300 through the network 200. At least one payment server 500 may be connected to the at least one user terminal 100 and the payment service providing server 300 through the network 200.

Here, the network means a connection structure in which information can be exchanged between each node such as a plurality of terminals and servers. Examples of such a network include RF, 3rd Generation Partnership Project (3GPP) network, Long Term A Wide Area Network (WAN), a Wireless Local Area Network (WLAN), a Wide Area Network (WAN), and a Wide Area Network (WAN) , A Personal Area Network (PAN), a Bluetooth network, an NFC network, a satellite broadcast network, an analog broadcast network, a DMB (Digital Multimedia Broadcasting) network, and the like.

In the following, the term at least one is defined as a term including the singular and plural, and even though the term " at least one " does not exist, it is to be understood that each constituent may exist singly or plurally, It will be self-evident. It is to be noted that the constituent elements may be provided singularly or plurally in various manners depending on the embodiment.

The at least one user terminal 100 may be a terminal of a user who wishes to order and settle using a QR code based payment service related web page, an app page, a program, or an application. At this time, the at least one user terminal 100 may be a terminal capable of outputting a menu in the merchant by simply scanning the QR code attached to the signboard outside the merchant without joining the merchant. At least one user terminal 100 may be a terminal for requesting payment to the merchant terminal 400 for selecting a product, selecting a menu, ordering a selected product or menu, and receiving an approval result At this time, since the payment request is provided from the payment service providing server 300, the payment request may be transmitted to the merchant terminal 400 via the payment service providing server 300. In this case, It is obvious that the process can be changed.

Here, the at least one user terminal 100 may be implemented as a computer capable of connecting to a remote server or terminal through a network. Here, the computer may include, for example, a navigation device, a notebook computer equipped with a web browser (WEB Browser), a desktop, a laptop, and the like. At this time, at least one user terminal 100 may be implemented as a terminal capable of connecting to a remote server or terminal through a network. At least one user terminal 100 is a wireless communication device that is guaranteed to be portable and mobility, for example, a navigation system, a PCS (Personal Communication System), a GSM (Global System for Mobile communications), a PDC (Personal Digital Cellular) (PHS), a PDA (Personal Digital Assistant), an IMT (International Mobile Telecommunication) -2000, a CDMA (Code Division Multiple Access) -2000, a W-CDMA A handheld based wireless communication device such as a handheld device, a smartphone, a smartpad, a tablet PC, and the like.

The payment service providing server 300 may be a server that provides a QR code based payment service web page, an app page, a program, or an application. The payment service providing server 300 may provide a platform for generating a QR code from at least one merchant terminal 400 when the at least one merchant terminal 400 requests an affiliate shop subscription, And transmits it to at least one merchant terminal 400. The payment service providing server 300 may be a server for mapping and storing the QR code and the identification code capable of identifying the merchant terminal 400 when the QR code is generated or generated by the merchant terminal 400 . In addition, the payment service providing server 300 may be a server that collects menus and product data registered for each merchant and provides them as a web page, an app page, an application, or a program. When the QR code is scanned by the user terminal 100, the payment service providing server 300 transmits the merchandise page of the merchant identified by the URL or QR code mapped to the scanned QR code to the user terminal 100 Lt; / RTI > At this time, when there is a product or a menu selection of the user terminal 100 in the product page or the order page and a payment request is made, the payment service providing server 300 transmits the payment request to the merchant terminal 400, And may be a server that requests transaction request and approval in response to a distributed transaction book in a block-chain network, receives a response thereto, and delivers the response. The payment service providing server 300 may be a server that periodically or real-time charges the payment server 500. Also, the payment service providing server 300 may be a server that stores transaction details and the like as a history log, builds big data and uses it for marketing data, and is a server that manages transaction records to be recorded in a distributed book in a block chain have.

Here, the settlement service providing server 300 may be implemented as a computer capable of connecting to a remote server or terminal through a network. Here, the computer may include, for example, a navigation device, a notebook computer equipped with a web browser (WEB Browser), a desktop, a laptop, and the like.

At least one merchant terminal 400 may be a terminal of a merchant using a Web page, an app page, a program, or an application related to a QR code-based payment service. At least one merchant terminal 400 outputs data for product preparation or menu preparation when there is an order payment history of the user terminal 100 directly or via the payment service providing server 300 Or the like. To this end, at least one merchant terminal 400 requests registration of a merchant to the settlement service providing server 300, generates a QR code, and transmits information on a product or a menu to the settlement service providing server 300 And may be a server to be uploaded. At least one merchant terminal 400 may be a terminal that receives a payment from the payment service providing server 300 periodically or in real time or receives payment from the payment server 500 periodically or in real time. Also, at least one merchant terminal 400 may be a terminal that uses the service sales management and accounting settlement management service platform provided by the settlement service providing server 300 for use.

Here, the at least one merchant terminal 400 may be implemented as a computer capable of connecting to a remote server or terminal through a network. Here, the computer may include, for example, a POS, a notebook equipped with a web browser (WEB Browser), a desktop, a laptop, and the like. At this time, at least one merchant terminal 400 may be implemented as a terminal capable of connecting to a remote server or terminal through a network. At least one merchant terminal 400 is a wireless communication device that is guaranteed to be portable and mobility, for example, navigation, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular) (PHS), a PDA (Personal Digital Assistant), an IMT (International Mobile Telecommunication) -2000, a CDMA (Code Division Multiple Access) -2000, a W-CDMA A handheld based wireless communication device such as a handheld device, a smartphone, a smartpad, a tablet PC, and the like.

At least one payment server 500 transmits the result to the merchant terminal 400 and the user terminal 100 via the payment service providing server 300 when a payment request is transmitted from the user terminal 100 Server. At this time, at least one payment server 500 includes at least one type of financial institution or credit card company, and it will be obvious that it includes credit management VAN and the like. Here, at least one payment server 500 may be implemented as a computer capable of connecting to a remote server or terminal through a network. Here, the computer may include, for example, a navigation device, a notebook computer equipped with a web browser (WEB Browser), a desktop, a laptop, and the like.

FIG. 2 is a block diagram illustrating a settlement service providing server included in the system of FIG. 1, FIG. 3 is a diagram for explaining an embodiment in which a QR code-based settlement service according to an embodiment of the present invention is implemented to be.

2, the payment service providing server 300 includes a receiving unit 310, a storing unit 320, an output unit 330, a payment processing unit 340, a transmitting unit 350, a big data unit 360, . ≪ / RTI >

The settlement service providing server 300 according to an exemplary embodiment of the present invention or another server (not shown) operated in cooperation with the at least one user terminal 100 and the at least one merchant terminal 400, The at least one user terminal 100 and the at least one merchant terminal 400 may be a QR code based payment service application, a program, an app page, a web page, Etc. can be installed or opened. In addition, a service program may be executed in at least one user terminal 100 and at least one merchant terminal 400 using a script executed in a web browser. Here, a web browser is a program that enables a WWW (World Wide Web) service, and is a program for receiving and displaying hypertext described in hypertext mark-up language (HTML), for example, Netscape (Netscape) An Explorer, chrome, and the like. Further, the application refers to an application on the terminal, for example, an app (app) running on a mobile terminal (smart phone).

2, the receiving unit 310 can receive a membership application and a QR code issuance event from at least one merchant terminal 400. At this time, most offline merchants use VAN company, but VAN 's commission revenue worsens due to the change in the fixed - rate system, so VAN' s merchants are not able to use QR codes even though they develop QR code settlement due to competitive situation and profit deterioration. Accordingly, a method of providing a settlement service according to an embodiment of the present invention allows a franchisee of a VAN company to rapidly expand an existing franchisee by using the existing infrastructure as a maintenance condition by attracting a sub-affiliate of the VAN company. That is, the present invention can be implemented by distributing and creating a QR code using a vendor network of VAN, which is a sales infrastructure of a conventional VAN company, and obtaining payment and management fees through the distribution and creation of the QR code. Accordingly, the receiving unit 310 enables the subscription and QR code issuance or generation from at least one merchant terminal 400 regardless of the type of business.

The storage unit 320 stores the generated QR code and the identification code of at least one merchant terminal 400 so that the QR code is generated in at least one merchant terminal 400 so as to correspond to the received QR code issuing event . At this time, the identification code may be any unique identification code capable of identifying the franchisee, and it is obvious that the identification code is not limited to the code form. The storage unit 320 may generate the QR code itself, or may store the QR code generated by the merchant terminal 400. At this time, the QR code may include an external QR code attached to the outside of at least one merchant and a table QR code attached to the table. Here, since the product price when the external QR code is scanned and the product price when the table QR code is scanned may be different, and most of the to-go service is discounted, the price when the external QR code is scanned This may be lower than the price of the table QR code. However, it does not exclude cases where the prices mapped to the two codes are the same or vice versa. In this case, people will use more of the contribution service, which can save the workforce of the store staff and secure more space.

Here, when generating the QR code at the merchant terminal 400, a page, a program, an application, or the like capable of generating a QR code must be provided to the merchant terminal 400. For example, The entered data is converted into QR code according to the official data released by Denso Wave. The generated QR code can be designed through error recovery function and can include a module that can be imageized. In the case of imaging, May also be used. The user interface of the QR code generation may include a text input window, a QR code generation button, an image load button, or the like. When a merchant selects data to generate a QR code in a text input window, Can be implemented so that the generated QR code can be displayed on the screen. Here, the generated QR code can be implemented not only by using a reader using a QR code reader, but also by activating the file itself and reading from the smartphone screen. In addition, the QR code can be implemented in various forms such as a bar code and a three-dimensional identification code, and can be changed according to the embodiment.

The output unit 330 outputs at least one merchant terminal 400 and a merchandise information page corresponding to the scanned QR code when the user terminal 100 scans the QR code. At this time, it may not be easy to go to a shop located on the first floor or the lower floor in a case where a user is located on a high-rise building of a high-rise building or a long line in a shop. Or, conversely, if you want to check the menu of a restaurant located in the upper floors, it may be burdensome to enter. Accordingly, the output unit 330 provides the merchandise information page so that the user can view the merchandise or menu sold at the merchant even if the user terminal 100 merely scans the QR code attached to signboards, buildings, etc. outside the merchant without joining the merchant can do. Also, in case of a worker who goes to the high-rise building of a high-rise building, it is necessary to scan the QR code of the merchant located at the lower floor at the time of commuting to work. It can also be used in a way that does not wait until it arrives. However, it should be apparent that the present invention is not limited to the above-described embodiments.

At this time, the product information page may include menu data or product data registered in at least one merchant terminal 400. Here, in the product information page, a format set in the layout provided by the payment service providing server 300 may be determined. Accordingly, at the merchant terminal 400, the merchandise page can be completed by merely adding the meta data representing the predetermined format to the content that introduces the merchandise or introduces the menu. In other words, it takes a great deal of manpower and time to make product pages by merchants, and most merchant owners can not create product introduction pages, or they often do not have time even though they can create products. And the kind of content to be located in the coordinates or area of the format, the merchandise introduction page can be completed by merely uploading the content by the merchant. For example, suppose that there is a layout partitioned by 3X4, and the merchant logo and name (text) should be displayed in the area (1,1). At this time, the franchisee may set the metadata corresponding to the existing merchant's logo and the name to the payment service providing server 300 after setting the metadata corresponding to the merchant's logo and the name, respectively, So that the corresponding logo and name can be placed. Here, it is obvious that the merchant introduction page does not directly complete the merchandise introduction page, nor does the administrator of the settlement service providing server 300 complete the merchandise introduction page.

When the user terminal 100 selects at least one commodity from the commodity information page and applies for order and settlement, the settlement processing unit 340 causes the user terminal 100 to perform settlement processing using the pre-stored simple settlement means . In this case, if the predetermined simple settlement means is based on the settlement request and approval service through the financial institution, the settlement processing unit 340, when receiving the settlement request from the user terminal 100 at the at least one merchant terminal 400, Receives transaction information based on the settlement request from at least one merchant terminal 400, provides transaction information to the settlement server 500 in the financial institution, receives transaction approval for the transaction request from the settlement server 500 . In addition, it is possible to transmit the received transaction approval to at least one merchant and transmit the settlement approval process to the user terminal 100.

On the other hand, when the predetermined simple settlement means is based on the virtual currency through the block chain, the payment processing unit 340, when receiving the settlement request from the user terminal 100 at the at least one merchant terminal 400, From the at least one merchant terminal (400). The settlement processing unit 340 is configured to pay the virtual money to the predetermined virtual currency address in the user terminal 100, to transfer the transaction information to at least one node in the block chain, and to store the transaction information in at least one node in the block chain When a transaction confirmation is made from the distributed book, transaction approval can be transmitted to at least one merchant terminal 400. At this time, at least one merchant terminal 400 having received the transaction approval can transmit a payment completion process and a payment approval to the order settlement of the user terminal 100. At this time, the preset virtual currency address may be the purse address of the virtual chain based on the exclusive dealer block chain.

At present, various policies and various business models are being created in order to activate PinTech. The essence of PinTech is to revolutionize centralized financial services into P2P distributed services, an important concept that distinguishes PinTech from existing electronic finance or e-finance. In this respect, the block chain technology used in the present invention may serve as a basic infrastructure for PINTECH activation, since the block chain is a peer-to-peer trust network that ensures mutual trust between peers in a P2P network to be. In this case, the reliability of the ledger, the shared ledger, and the distributed ledger can be secured through the block chain. Of course, in order to secure the reliability of the distributed server, not only the block chain technology should be used but the technology such as R3, which is currently utilized in the financial sector, may be used.

The block chain is a technique for ensuring the integrity of the distributed books among participants who do not trust each other. In the existing centralized model, the Trusted Third Party (TTP) plays a role of ensuring reliability, In the book model, since the TTP that ensures reliability is removed, somebody must secure the reliability and solve it jointly by the participants of the P2P network. Depending on the method of ensuring the reliability of the P2P network, the block chain may include a public block chain and a private block chain. A public block chain is a case where network participants are not restricted in their credentials, and a private block chain is called a private block chain. At this time, the consensus mechanism separates the characteristics according to the public block chain and the private block chain. The mechanism of consensus of the public block chain includes Proof of Work (PoW) that depends on computing power, Poof (Proof of Stake) that relies on cryptographic money reserves, a method of constructing a kind of parliament by reputation and voting Delegated Proof of Stake (DPoS), and PBX (Practical Byzantine Fault Tolerance) can be used as the private block chain agreement method. At this time, what type of block chain to use may vary depending on the embodiment, and is not limited to any one.

There are four types of general information protection services: confidentiality, authentication, integrity, and denial-of-service. Block-chain technology generally includes some functions of integrity and non-repudiation services among the four information protection services. In order to activate PinTech, information protection services for various PinTech services should also be developed. In particular, due to the nature of PinTech, which is basically a financial service on P2P networks, PinTech security must be fused with a block chain that is a P2P trust network. In other words, PinTech security can be a precondition for the activation of PinTech by merging with the block chain, which is the infrastructure that is the infrastructure. At this time, the encryption technology for security includes an encryption technique having a confidentiality function, an electronic signature technique having an authentication function, a pseudorandomness technique for securing the randomness, (ZKIP: Zero Knowledge Interactive Proof system) to avoid giving a password, and Secure Computation (SC) to calculate it in encrypted form. But it is not limited to this.

The transmission unit 350 can transmit a payment completion event to at least one merchant terminal 400 when receiving the payment approval result. Accordingly, the merchant terminal 400 can output the goods or menu that has been settled, and the staff member of the merchant can prepare the finished goods or prepare the menus. At this time, when the merchandise is prepared in the merchant terminal 400, the transmitter 350 can also provide a connection channel for notification data transmission when notifying the user. As a result, the user as a user does not need to queue up when making a payment, nor does it need to wait when searching for a finished product.

 When receiving the settlement approval result from the transfer unit 350, the big data generating unit 360 transmits the settlement completion event to at least one merchant terminal 400, and then arranges and distributes the transaction information into the history log data Unstructured data, structured data, and semi-structured data included in the raw data included in the history log data can be refined and subjected to preprocess including classification into metadata . In addition, the big data generating unit 360 can perform the analysis including the data mining and output the preprocessed data. Big data thus constructed can be used to derive various results, for example, as a marketing tool for customers. However, the present invention is not limited to the above-mentioned uses.

At this time, text mining is a technique for extracting and processing useful information based on a natural language processing technique in non-semiotic text data. With text mining technology, you can extract meaningful information from a vast collection of texts, identify links with other information, find categories with text, or get more than just information retrieval. Using this, in the settlement service according to an embodiment of the present invention, large capacity language resources and statistical and regular algorithms can be used to analyze identifiers and natural language inputted in a query, and to find hidden information therein. In addition, cluster analysis can be used to finally find groups of similar characteristics, combining sieves of similar characteristics.

For example, by using the above-described big data, marketing is not reflected in a person's opinion on a product review or a review left on the Internet in the case of selling a product, and it is not reflected in marketing, and text mining and Opinion mining Can be applied to collect responses and complaints about new products in a classified state. This can be used not only for online marketing but also for offline sales. Most of the recent distribution processes have become larger and chained, making it easier to collect information on product sales nationwide. Using this information, we can find out the correlation with products related to day of the week or weather, have.

At this time, the subjectivity detection process of separating the text elements used in the emotional analysis after the text collection required for extracting data of Opinion Mining is carried out, and the collected text is excluded from the portion having no subjectivity judged to be not related to emotion in the sentence And perform a polarity analysis operation to determine whether the given data is positive or negative. We can detect and quantify positive and negative words in multiple texts to generate statistics, and use Navie Bayes to divide emotional data into two categories: good and bad. Various methods other than the above-described method can be used, and it will be obvious that the big data can be utilized according to various purposes.

Hereinafter, an operation process according to the configuration of the settlement service providing server of FIG. 2 will be described in detail with reference to FIG. It should be apparent, however, that the embodiments are only examples of the various embodiments of the present invention.

Referring to FIG. 3, a method of providing a payment service according to an embodiment of the present invention changes an existing payment market depending on a terminal and a POS to a mobile payment through an open QR platform, By offering an open force platform that can be used as a merchant, the merchant can easily generate QR codes for any type of business through easy subscription, and customers can view product information on a smart device by scanning QR codes. Further, the method of providing a payment service according to an embodiment of the present invention can maximize accessibility and convenience by providing a customer with no membership, thereby providing a differentiated QR code input window and detailed menu information, The payment can be made in the following. The information retrieved and paid through the QR code can be collected and utilized in the merchant manager page.

(a) is a flowchart of a means for making a settlement using a nominal currency. The settlement means can combine a settlement means such as a credit card, a bank transfer, and a virtual currency with a simple settlement. (b) is a flowchart of a means for making a settlement using a virtual currency, wherein a merchant exclusive block chain-based virtual currency address that a customer can settle with a virtual currency is provided, and transaction information is recorded in a block chain in which arbitrary correction is impossible The transaction transparency is firmly established, and the process of verifying the virtual currency transaction details can be performed quickly. (c) shows a screen on which a payment service providing method according to an embodiment of the present invention is implemented. It is possible to acquire store information from outside without having to visit a store, and relieve the burden of a customer who has to visit the store directly By this way, it is possible to improve the accessibility of store information and promote the natural shop promotion. In addition, it is possible to settle at the same time as ordering without staff call and wait, reduce the cost of replacing the entrance and the menu, expose the table menu price when scanning the QR code through the QR code attached to the table, You can provide a way to enable ordering and payment. In addition, the merchant can additionally use the QR code goods settlement status and accounting settlement manager system.

According to the above-mentioned method, in the current settlement market, when using the card payment terminal of the merchant, the monthly management fee is in the range of 20,000 won to 30,000 won, the card issuer fee, and the settlement cycle is two days after the settlement day. On the contrary, , It is possible to settle the account directly by transferring money, etc., and it is possible to reduce an expensive card fee and does not require the introduction of an expensive force terminal. In addition, as the experience of customers accumulates, the market can be expanded voluntarily, the real menu can be replaced with the QR code, the customer experience using the big data can be utilized as a customized marketing tool, Voluntary market expansion can be accelerated by business alliances, technical alliances, and utilization of third party information.

The QR code-based payment service providing method of FIG. 2 and FIG. 3 is not explained. The QR code based payment service providing method of FIG. 1 can be easily derived from the same or described contents of the QR code- So that the description will be omitted.

FIG. 4 is a diagram illustrating a process in which data is transmitted and received between the respective components included in the QR code-based payment service providing system of FIG. 1 according to an embodiment of the present invention. Hereinafter, an example of a process of transmitting and receiving data between the respective components will be described with reference to FIG. 4. However, the present invention is not limited to such an embodiment, It is apparent to those skilled in the art that the process of transmitting and receiving data can be changed.

4, the settlement service providing server 300 receives the merchant registration request application from the merchant terminal 400 (S4100), provides a page from which the merchant terminal 400 can generate the QR code, The goods information is transmitted from the merchant terminal 400 to the merchant terminal 400 in step S4200 and the goods information is transmitted from the merchant terminal 400 in steps S4300 and S4400, ), So that product information can be uploaded to the product introduction page.

At this time, when the QR code is scanned in the user terminal 100 (S4600) and the user accesses the product introduction page of the corresponding merchant provided by the payment service providing server 300 (S4700, S4800, S4810) (S4820), and transmits transaction information between the payment service providing server 300, the merchant terminal 400, and the payment server 500, (S4830, S4930), the user terminal 100 finally outputs a payment approval (S4940), and the user can confirm that the payment is completed.

The sequence between the above-described steps S4100 to S4940 is merely an example, but is not limited thereto. That is, the order between the above-described steps S4100 to S4940 may be mutually varied, and some of the steps may be executed or deleted at the same time.

4, the QR code-based payment service providing method described above can be easily derived from the same or described contents of the QR code-based payment service providing method described above with reference to FIGS. 1 to 3 So that the description will be omitted.

5 is a flowchart illustrating a method of providing a QR code-based payment service according to an exemplary embodiment of the present invention. 5, the payment service providing server receives a membership application request and a QR code issuance event from at least one merchant terminal (S5100), and transmits a QR code to at least one merchant terminal And stores the generated QR code and the identification code of at least one merchant terminal so as to be mapped (S5200).

When the user terminal scans the QR code, the payment service providing server outputs at least one merchant terminal and a goods information page corresponding to the scanned QR code (S5300) When a user selects an item and requests for an order and payment, the user terminal makes a settlement process using the pre-stored simple payment means (S5400).

Finally, when the payment service providing server receives the payment approval result, the payment service providing server transmits the payment completion event to at least one merchant terminal (S5500).

The QR code-based payment service providing method of FIG. 5 is not explained in detail. Referring to FIG. 1 through FIG. 4, the QR code-based payment service providing method of FIG. So that the description will be omitted.

The method of providing a QR code-based payment service according to the embodiment described with reference to FIG. 5 may also be implemented in the form of a recording medium including instructions executable by a computer such as an application or a program module executed by a computer . Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer readable medium may include both computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

The method of providing a QR code-based payment service according to an embodiment of the present invention may be executed by an application installed in a terminal (which may include a program included in a platform or an operating system basically installed in the terminal) And may be executed by an application (that is, a program) directly installed on a master terminal by a user through an application providing server such as an application store server, an application, or a web server associated with the service. In this sense, the QR code-based payment service providing method according to an embodiment of the present invention is implemented as an application (i.e., a program) installed in a terminal or directly installed by a user and can be read by a computer And can be recorded on the recording medium.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

Claims (7)

A payment service providing method executed by a payment service providing server,
Receiving a membership application request and a QR code issuance event from at least one merchant terminal;
Causing a QR code corresponding to the received QR code issuing event to be generated at the at least one merchant terminal and mapping and storing the QR code and the identification code of the at least one merchant terminal;
And displaying at least one merchant terminal and a merchandise information page corresponding to the QR code to the user terminal when the QR code is scanned at the user terminal, Data or product data;
When the user terminal selects at least one commodity from the commodity information page and requests for order and settlement, making payment processing using the pre-stored simple settlement means in the user terminal;
Transmitting a payment completion event to the at least one merchant terminal when receiving a payment approval result;
Sorting and distributing the transaction information into the history log data and storing the same; And
Purifying unstructured data, structured data, and semi-structured data included in raw data included in the historical log data, and performing pre-processing including classification into metadata;
And outputting the preprocessed data by performing analysis including data mining,
Wherein when the predetermined simple settlement means is based on a settlement request and an approval service through a financial institution,
Receiving transaction information based on the received payment request from at least one merchant terminal upon receiving a payment request from the user terminal in at least one merchant terminal;
Providing the transaction information to a payment server in a financial institution and receiving transaction approval for a transaction request from the payment server; And
And transmitting the received transaction approval to the at least one merchant to transmit a payment completion process and a payment approval to the user terminal,
Wherein when the predetermined simple settlement means is based on a virtual currency through a block chain,
Receiving transaction information based on the received payment request from at least one merchant terminal upon receiving a payment request from the user terminal in at least one merchant terminal;
Providing a virtual currency to a predetermined virtual currency address in a user terminal, wherein the predetermined virtual currency address is a wallet address of a franchise exclusive block chain-based virtual currency; And
Transmitting transaction information to at least one merchant terminal in a block chain and transmitting transaction acknowledgment to the at least one merchant terminal when transaction confirmation is made from a distributed book stored in at least one node in the block chain And,
At least one merchant terminal that has received the transaction approval transmits a payment completion process and a payment approval to the order settlement of the user terminal,
The QR code includes an external QR code attached to the outside of at least one merchant and a table QR code attached to the table, and when the price of the product when the external QR code is scanned is the same as the case where the table QR code is scanned Which is lower than the commodity price of "
How to provide a QR code based payment service.
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