KR102504100B1 - Integrated payment system using QR code, and device therefor - Google Patents

Abstract

The present invention relates to a system for performing a payment by integrating quick-response (QR) codes separately provided by various simple payment service providers. The system of the present invention comprises: a plurality of simple payment servers for generating a QR code including one-time authentication information on the basis of information on a pre-input payment means, and performing a payment by using a payment gateway (PG), a value added network (VAN), or a self-payment system when payment request data is received; a payer terminal for requesting one of the simple payment servers to generate the QR code, and outputting the generated QR code on a display; an affiliated store terminal for generating the payment request data by including the one-time authentication information identified from the QR code, a payment amount and pre-input affiliated store information when the QR code output through the display is recognized by a camera after inputting the payment amount of a product or service; and an integrated payment server for identifying one which generated the QR code among the simple payment servers on the basis of the one-time authentication information included in the payment request data generated by the affiliated store terminal, and transmitting the payment request data to the identified simple payment server. Therefore, a simple payment can be freely performed.

Description

Integrated payment system using QR code and device therefor}

The present invention relates to electronic payments and artificial intelligence (AI). More specifically, it relates to a system capable of performing payment by integrating QR codes (Quick-Response codes) provided by various simple payment service providers, and a device therefor.

Electronic payment is a generic term for methods of performing payment using electronic devices when paying for the purchase of goods or services. Among these various electronic payment methods, a method in which a credit card or bank account is registered in advance in a mobile communication terminal and payment is performed with simple authentication at the time of payment is referred to as simple payment. In particular, simple payment has a feature in that payment can be made only through authentication such as password, pattern, fingerprint recognition, or iris recognition, without the need to input payment method information for each transaction.

A QR code is a matrix-type two-dimensional barcode in which the same number of small square dots are arranged horizontally and vertically. QR codes exist from version 1 with 21 dots on one side to version 40 with 177 dots on one side, and the amount of information that can be contained in a barcode increases as the level of the version increases. Such a QR code can be recognized in any direction of 360 degrees, including a finder pattern, and even if a part of information is lost, information can be recognized by multi-step error correction, so it can be used in distribution, logistics, manufacturing, It is used in various fields such as authentication and marketing.

On the other hand, artificial intelligence (AI) means a technology that artificially implements some or all of human learning ability, reasoning ability, perception ability, etc. using a computer program. In relation to artificial intelligence (AI), machine learning refers to learning to optimize parameters with given data using a model composed of multiple parameters. Such machine learning is classified into supervised learning, unsupervised learning, and reinforcement learning according to the form of learning data.

An Artificial Neural Network (ANN) is one of the detailed methodologies of machine learning. do. Representative artificial neural networks (ANNs) include MultiLayer Perceptron (MLP), Recurrent Neural Network (RNN), and Convolutional Neural Network (CNN).

Meanwhile, simple payment may be performed using the QR code as described above. However, companies that provide simple payment services using QR codes include credit card companies, banks, distribution companies, PG (Payment Gateway) companies, VAN (Value Added Network) companies, mobile communication terminal manufacturers, online platform companies, and mobile communication companies. Since QR codes are very diverse and each company generates a QR code in a unique way, a payer who wants to purchase a product or service identifies a simple payment service company that has signed an affiliate agreement with a store that sells the product or service, and then There is an inconvenience of having to present a QR code by executing an application for simple payment provided by . In addition, since the QR code is only a two-dimensional image, there is a limit that arbitrary modulation or duplication by a third party is easy, and a mobile communication terminal that performs simple payment using a QR code is miniaturized for easy portability, so that a third party There is also a risk of malicious theft or loss by

Korean Patent Laid-open Publication No. 10-2021-0026972, ‘Payer-centered approved barcode payment system such as NFC/QR for expansion of simple payment system’, (published on March 10, 2021)

One object of the present invention is to provide a system capable of performing payment by integrating QR codes provided by various simple payment service providers.

Another object of the present invention is to provide a device constituting an integrated payment system using a QR code.

The technical problems of the present invention are not limited to the technical problems mentioned above, and other technical problems not mentioned will be clearly understood by those skilled in the art from the following description.

In order to achieve the technical problem as described above, the present invention proposes a system that can perform payment by integrating QR codes provided by various simple payment service providers. The system generates a QR code (Quick-Response code) including one-time authentication information based on information about a payment method entered in advance, and when payment request data is received, PG (Payment Gateway), VAN (Value Added Network) ) or a plurality of simple payment servers that perform payment using their own payment system; a payer terminal requesting generation of the QR code to one of the plurality of simple payment servers and outputting the generated QR code through a display; When the QR code output through the display is recognized through the camera after the payment amount for the product or service is input, the one-time authentication information identified from the QR code, the payment amount, and the merchant information entered in advance are included to make the payment An affiliated store terminal generating requested data; And identifying the simple payment server that generated the QR code among the plurality of simple payment servers based on the one-time authentication information included in the payment request data generated by the affiliated store terminal, and sending the information to the identified simple payment server. It may be configured to include a payment integration server that transmits payment request data.

In addition, the affiliated store terminal captures an image including the QR code at a time when the QR code is recognized through the camera, and the payment integration server image processing the image including the QR code. Based on, it is possible to verify the simple payment server identified by the one-time authentication information.

Specifically, the payment integration server identifies an area corresponding to the display of the payer terminal from the image including the QR code, and a pattern of a user interface included in the area corresponding to the display It is possible to identify and verify the simple payment server that generated the QR code based on the pattern of the user interface.

To this end, the payment integration server extracts an edge in the image including the QR code (edge detection), binarizes the image based on the extracted edge, and converts the binarized image to the edge. Identifies one area having a width within a preset identification range among areas generated by dividing into a plurality of closed enclosures and merging one or more of the divided areas as the area corresponding to the display can do.

The payment integration server may identify the pattern of the user interface based on the shape and color of the area closed by the edge included in the area corresponding to the identified display.

On the other hand, the payment integration server estimates the type of simple payment server by querying the user interface pattern to machine-learned artificial intelligence (AI) using a pre-arranged artificial neural network (ANN) And, the verification may be performed by matching the simple payment server type estimated by the pattern of the user interface with the simple payment server identified by the one-time authentication information.

In this case, the artificial neural network may include a hidden layer including a generalized matrix factorization (GMF) for learning a linear relation between a user interface pattern outputting a QR code and a simple payment server. can

In addition, the payment integration server performs one-hot encoding on the items constituting the pattern of the user interface and expresses them as vectors, and embeds the expressed vectors to dimensionalize them. After generating a reduced dense vector (dense vector), inputting the generated dense vector to the GMF layer of the hidden layer, and estimating the type of the easy payment server based on the result output from the output layer can

Meanwhile, after the QR code is output through the display, the payer terminal continuously photographs images through a front camera that photographs the same direction as the output direction of the display, and responds to a request to the payment integration server. and transmits one or more images among the continuously photographed images, and the payment integration server requests an image at the time when the QR code is recognized from the payer terminal, and the QR code is generated from the image received from the payer terminal. If identified, payment between the payer terminal and the affiliated store terminal based on whether the QR code included in the video received from the payer terminal and the QR code included in the video received from the affiliated store terminal are identical to each other It can also be verified whether or not

In order to achieve the technical problem as described above, the present invention proposes a device constituting an integrated payment system using a QR code. The device includes a communication unit for receiving payment request data from an affiliated store terminal and transmitting the payment request data to one of a plurality of simple payment servers; and identifying a simple payment server that generated the QR code among the plurality of simple payment servers based on the one-time authentication information included in the payment request data, and requesting the payment to the identified simple payment server through the communication unit. It may be configured to include a service provider identification unit that transmits data.

In this case, the plurality of simple payment servers generate and transmit the QR code including one-time authentication information to the payer terminal based on the information about the payment method entered in advance, and when the payment request data is received, PG, Payment is performed using VAN or its own payment system, and the affiliated store terminal recognizes the QR code output through the camera or through the display of the payer terminal after the payment amount for the product or service is input, the QR The payment request data may be generated by including the one-time authentication information identified from the code, the payment amount, and affiliate store information input in advance.

Details of other embodiments are included in the detailed description and drawings.

According to embodiments of the present invention, among numerous companies that provide simple payment services using QR codes, the payer can use the existing payment system without the need to consciously identify a company that has entered into a franchise agreement with a store that sells goods or services. You can freely perform simple payment using the application you have used.

In particular, according to the embodiments of the present invention, after identifying a company that provides a simple payment service based on the QR code, verification is performed based on the user interface of the application that outputs the QR code to determine whether the QR code has been arbitrarily tampered with. whether it can be verified.

The effects of the present invention are not limited to the effects mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the description of the claims.

1 is an exemplary diagram for explaining a process of simple payment according to an embodiment of the present invention.
2 is a configuration diagram for explaining components of an integrated payment system according to an embodiment of the present invention.
3 is a logical configuration diagram of a payment integration server according to an embodiment of the present invention.
4 is a hardware configuration diagram of a payment integration server according to an embodiment of the present invention.
5 and 6 are exemplary diagrams for explaining characteristics of a process of identifying and verifying a simple payment server according to an embodiment of the present invention.
7 is an exemplary diagram for explaining characteristics of a process of verifying a payer according to an embodiment of the present invention.
8 is an exemplary diagram for explaining characteristics of a process of verifying an affiliated store according to an embodiment of the present invention.
9 is a flowchart illustrating a signal flow of an integrated payment system according to an embodiment of the present invention.
10 is a flowchart illustrating an integrated payment method according to an embodiment of the present invention.

It should be noted that the technical terms used in this specification are only used to describe specific embodiments and are not intended to limit the present invention. In addition, technical terms used in this specification should be interpreted in terms commonly understood by those of ordinary skill in the art to which the present invention belongs, unless specifically defined otherwise in this specification, and are overly inclusive. It should not be interpreted in a positive sense or in an excessively reduced sense. In addition, when the technical terms used in this specification are incorrect technical terms that do not accurately express the spirit of the present invention, they should be replaced with technical terms that those skilled in the art can correctly understand. In addition, general terms used in the present invention should be interpreted as defined in advance or according to context, and should not be interpreted in an excessively reduced sense.

Also, singular expressions used in this specification include plural expressions unless the context clearly indicates otherwise. In this application, terms such as "consisting of" or "having" should not be construed as necessarily including all of the various components or steps described in the specification, and some of the components or steps are included. It should be construed that it may not be, or may further include additional components or steps.

Also, terms including ordinal numbers such as first and second used in this specification may be used to describe various components, but the components should not be limited by the terms. These terms are only used for the purpose of distinguishing one component from another. For example, a first element may be termed a second element, and similarly, a second element may be termed a first element, without departing from the scope of the present invention.

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 other components may exist in the middle. On the other hand, when a component is referred to as “directly connected” or “directly connected” to another component, it should be understood that no other component exists in the middle.

Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the accompanying drawings, but the same or similar components are given the same reference numerals regardless of reference numerals, and redundant description thereof will be omitted. In addition, in describing the present invention, if it is determined that a detailed description of a related known technology may obscure the gist of the present invention, the detailed description will be omitted. In addition, it should be noted that the accompanying drawings are only for easily understanding the spirit of the present invention, and should not be construed as limiting the spirit of the present invention by the accompanying drawings. The spirit of the present invention should be construed as extending to all changes, equivalents or substitutes other than the accompanying drawings.

As described above, there are many types of companies that provide simple payment services using QR codes, such as credit card companies, banks, distribution companies, PG companies, VAN companies, mobile communication terminal manufacturers, online platform companies, and mobile communication companies. As such, various companies that provide simple payment services generate QR codes in their own unique way, so a payer who wants to purchase a product or service identifies the simple payment service company that has signed an affiliate agreement with the store selling the product or service. After that, there is an inconvenience of having to present a QR code by executing an application for simple payment provided by the company. In addition, since the QR code is only a two-dimensional image, there is a limit that arbitrary modulation or duplication by a third party is easy, and a mobile communication terminal that performs simple payment using a QR code is miniaturized for easy portability, so that a third party There is also a risk of malicious theft or loss by

In order to overcome these limitations, the present invention intends to propose various means capable of improving the convenience of simple payment and increasing the level of security.

1 is an exemplary diagram for explaining a process of simple payment according to an embodiment of the present invention.

As shown in FIG. 1 , simple payment according to an embodiment of the present invention can be made by the affiliated store terminal 200 recognizing the QR code 10 output from the payer terminal 100 .

Specifically, a person who wants to purchase a product or service can control the payer terminal 100 he/she owns to execute the application 110 for performing simple payment. In addition, a person who wants to purchase a product or service can control the application 110 for performing simple payment and output the QR code 10 for simple payment through the display of the payer terminal 100.

In this case, a person who wants to purchase a product or service may be referred to as a payer, a purchaser, or a user of the payer terminal 100 . In addition, a person who wants to purchase a product or service is not limited to a legitimate payer or purchaser, but a person who arbitrarily falsifies or reproduces the QR code 10, a malicious extortioner of the payer terminal 100, or a lost payer. It may also be a acquirer of the terminal 100.

A person who sells goods or services may control the affiliated store terminal 100 provided in his/her store to input a payment amount for the goods or services. In addition, a person who sells goods or services can use the affiliated store terminal 200 to recognize the QR code 10 output through the display of the payer terminal 100 to perform simple payment.

In this case, the seller of the product or service may be referred to as an affiliate store, a retail store, or a user of the affiliate store terminal 200 . In addition, a person who sells goods or services is not limited to a legitimate affiliate or a retail store, and may be a malicious stealer of the affiliate store terminal 100 .

Characteristically, when using the integrated payment system according to an embodiment of the present invention, the payer can consciously identify a company that has entered into an affiliate agreement with the affiliate among numerous companies that provide simple payment services using the QR code (10). Simple payment can be freely performed using the previously used application 110 without need.

In addition, the integrated payment system according to an embodiment of the present invention determines whether the QR code 10 for performing simple payment has been arbitrarily tampered with, or whether the payer terminal 100 or the affiliated store terminal 200 is manipulated by a third party. It can be verified whether it has been stolen or lost.

Hereinafter, an integrated payment system according to an embodiment of the present invention having the above characteristics will be described in more detail.

2 is a configuration diagram for explaining components of an integrated payment system according to an embodiment of the present invention.

As shown in FIG. 2, the integrated payment system according to an embodiment of the present invention includes a payer terminal 100, an affiliated store terminal 200, a payment integration server 300, and a simple payment server 400. It can be.

In particular, the simple payment server 400 of the integrated payment system according to an embodiment of the present invention is not limited to a single number, and is a plurality of server devices individually operated by a plurality of companies providing simple payment services using QR codes. may apply.

As such, since the components of the integrated payment system according to an embodiment of the present invention merely represent functionally distinct elements, two or more components are integrated with each other in an actual physical environment, or one component is actually implemented. In the physical environment, they may be implemented separately from each other.

Each component will be described. The payer terminal 100 is a device used by a user (payer, buyer) to perform a simple payment using the QR code 10 to purchase goods or services.

Such a payer terminal 100 does not correspond to a dedicated device only for a simple payment function, but may correspond to a general-purpose device such as a user equipment defined by the 3rd Generation Partnership Project (3GPP).

That is, the payer terminal 100 may be any device capable of transmitting and receiving data to and from the payment integration server 300 and the simple payment server 400 and performing calculations based on the transmitted and received data. For example, the payer terminal 100 includes a smart phone, a laptop, a tablet, a phablet, a portable multimedia player (PMP), and a personal portable terminal ( It may be any one of portable computing devices such as Personal Digital Assistants (PDAs) or E-book readers, but is not limited thereto.

Specifically, the payer terminal 100 may execute the application 110 for performing simple payment in response to the user's (payer's, purchaser's) control. For this purpose, the application 110 may correspond to an application distributed to perform simple payment by a company providing a simple payment service using the QR code 10.

Prior to performing simple payment, the payer terminal 100 may request user authentication. In this case, user authentication may be any one of password, pattern, fingerprint recognition, or iris recognition, but is not limited thereto.

When the user's authentication is completed, the payer terminal 100 distributes the above-described application 110 among a plurality of simple payment servers 400 to the simple payment server 400 operated by a company providing a simple payment service. Generation of the QR code 10 may be requested.

The payer terminal 100 may receive the QR code 10 from the simple payment server 400 . And, the payer terminal 100 may output the received QR code 10 through a display.

The payer terminal 100 may terminate the output of the QR code 10 through the display in response to the user's control. Also, the payer terminal 100 may terminate the application 110 for performing simple payment in response to the user's control.

Characteristically, the payer terminal 100 may generate behavioral data in which events generated during the execution of the application 110 are accumulated and recorded when a user requests termination of the running application 110 . Then, the payer terminal 100 may terminate the application 110 after transmitting the generated behavioral data to the payment integration server 300 .

In this case, the behavioral data is data related to events occurring in the payer terminal 100 due to a user's conscious or unconscious behavior from the execution of the application 110 for simple payment to its termination. .

According to an embodiment, the behavioral data may include information about occurrence times of events. For example, the behavioral data includes the execution time of the application 110 for performing simple payment, the time at which the generation of the QR code 10 is requested, the time at which the QR code 10 is received from the simple payment server 400, and the reception The time at which the QR code 10 is output through the display, the time at which the output of the QR code 10 through the display is ended, and the time at which the application 110 is requested to be terminated may be included.

According to another embodiment, the behavioral data may include location information of the payer terminal 100 at the time when events occur. To this end, location information of the payer terminal 100 may be acquired by a Global Positioning System (GPS) constituting the payer terminal 100 . For example, the behavioral data include location information of the payer terminal 100 obtained at the time of execution of the application 110 for performing simple payment, and the payer terminal obtained at the time of requesting generation of the QR code 10 ( 100) location information, the location information of the payer terminal 100 acquired at the time the QR code 10 is received from the simple payment server 400, and the received QR code 10 output through the display The acquired location information of the payer terminal 100, the location information of the payer terminal 100 acquired at the time when the output of the QR code 10 through the display is ended, and the time when the application 110 is requested to be terminated The acquired location information of the payer terminal 100 may be further included.

According to another embodiment, the behavioral data may include information about calculations performed by the payer terminal 100 from execution of the application 110 for simple payment to termination. For example, the behavioral data may further include information about other applications, processes, threads, or tasks executed concurrently with the application 110 for performing simple payment.

Meanwhile, the payer terminal 100 transmits an acceleration value measured by an acceleration sensor in the process of executing the application 110 for performing simple payment according to a request of the payment integration server 300 to the payment integration server. (300).

In addition, after the QR code 10 is output through the display, the payer terminal 100 continuously takes images through a front camera that photographs the same direction as the output direction of the display, and the payment integration server 300 In response to the request, one or more images among continuously photographed images may be transmitted.

With the following configuration, the affiliated store terminal 200 is a device used to perform simple payment using the QR code 10 in order to sell goods or services.

Like the payer terminal 100, the affiliated store terminal 200 does not correspond to a dedicated device only for simple payment functions, but may correspond to a general-purpose device such as a user device stipulated by 3GPP.

That is, the affiliated store terminal 200 may accept any device as long as it can transmit and receive data to and from the payment integration server 300 and the simple payment server 400 and perform calculations based on the transmitted and received data. For example, the affiliated store terminal 200 may be any one of mobile computing devices such as a smartphone, laptop, tablet, phablet, portable multimedia player (PMP), personal digital assistant (PDA), or e-book terminal. , but not limited thereto.

Specifically, the affiliated store terminal 200 may receive affiliated store information from a manager or employee of an affiliated store or a store. Here, the affiliated store information may include an identifier of the affiliated store, the name of the affiliated store, the address of the affiliated store, the representative of the affiliated store, or the contact information of the affiliated store, but is not limited thereto.

The affiliated store terminal 200 may receive an input of a payment amount for a product or service to perform simple payment from a manager or employee of an affiliated store or a store. When a payment amount for a product or service is input, the affiliated store terminal 200 may activate a camera until the QR code 10 is recognized.

When the QR code 10 is recognized through the camera, the affiliated store terminal 200 may identify one-time authentication information from the recognized QR code 10. In this case, the QR code 10 may be the QR code 10 being output through the display of the payer terminal 100. Further, the one-time authentication information may be one-time authentication information given by a company providing a simple payment service to determine whether to approve a simple payment.

The affiliated store terminal 200 may generate payment request data by including the one-time authentication information recognized from the QR code 10, the payment amount for goods or services, and the affiliated store information input in advance. And, the affiliated store terminal 200 may transmit the generated payment request data to the payment integration server 300 .

Characteristically, the affiliated store terminal 200 may capture an image through the same camera as the camera used for recognizing the QR code 10 at the time when the QR code 10 is recognized through the camera. In this case, the QR code 10 may be included in the image captured through the same camera. In addition, the affiliated store terminal 200 may transmit an image including the captured QR code 10 to the payment integration server 300 .

In addition, the affiliated store terminal 200 may capture images through a camera at predetermined intervals until a QR code is recognized when a payment amount for a product or service to be performed for simple payment is input. In this case, the camera photographing period may be set in various ways according to the computational capability of the affiliated store terminal 200 . When transmitting payment request data to the payment integration server 300, the affiliated store terminal 200 may also transmit periodically captured images.

With the following configuration, the payment integration server 300 controls so that the simple payment using the QR code 10, generated by numerous companies providing simple payment services in their own way, can be processed in a unitary way. It is a device that

To this end, the payment integration server 300 generates a QR code 10 from among a plurality of simple payment servers 400 based on the one-time authentication information included in the payment request data generated by the merchant terminal 200 The simple payment server 400 may be identified, and payment request data may be transmitted to the identified simple payment server 400 .

Characteristically, the payment integration server 300 according to the embodiments of the present invention is independent of the company that provides the simple payment service (ie, the operator of the simple payment server 400), the payer terminal 100 and the merchant Simple payment using the QR code 10 between terminals 200 can be controlled so that it is smoothly performed. In addition, the payment integration server 300 determines whether the QR code 10 for performing simple payment has been arbitrarily tampered with, or whether the payer terminal 100 or the merchant terminal 200 has been stolen or lost by a third party. can be verified.

As such, the payment integration server 400 transmits and receives data to and from the payer terminal 100, the affiliated store terminal 300, and the simple payment server 400, and any device capable of performing calculations based on the transmitted and received data. Any device may be acceptable. For example, the payment aggregation server 400 may be any one of a fixed computing device such as a desktop, workstation, or server, but is not limited thereto.

The specific configuration and operation of the payment aggregation server 400 having the above characteristics will be described in more detail later with reference to FIGS. 3 to 8 .

With the following configuration, the simple payment server 400 is a device operated by a company providing a simple payment service using the QR code 10 to perform payment. That is, the simple payment server 400 is a credit card company, bank, distribution company, PG company, VAN company, mobile communication terminal manufacturer, online platform company or mobile carrier that provides a simple payment service using the QR code 10 Performs payment It is a device used for

Specifically, the simple payment server 400 may receive a request for generating a QR code 10 from the payer terminal 100 . The simple payment server 400 may generate a QR code 10 including one-time authentication information based on information about a payment method input in advance in relation to the user of the payer terminal 100 . And, the simple payment server 400 may transmit the generated QR code 10 to the payer terminal 100.

In this case, the one-time authentication information may be one-time authentication information given by a company providing a simple payment service to determine whether to approve a simple payment. To this end, companies providing simple payment services may grant one-time authentication information according to individually defined policy standards.

The simple payment server 400 may receive payment request data from the affiliated store terminal 200 or the payment integration server 300 . Here, the payment request data may include one-time authentication information recognized from the QR code 10, payment amount, and affiliated store information, but is not limited thereto.

When payment request data is received, the simple payment server 400 may perform payment using PG, VAN, or its own payment system. For example, when the simple payment server 400 corresponds to a device operated by a mobile communication terminal manufacturer, an online platform company, or a mobile communication company, the simple payment server 400 performs payment through a PG when payment request data is received can do. Alternatively, when the simple payment server 400 corresponds to a device operated by a credit card company or a bank, the simple payment server 400 may perform payment using its own payment system.

In addition, when payment is completed, the simple payment server 400 may transmit information about the completed payment to the payer terminal 100, the affiliated store terminal 200, or the payment integration server 300. In addition, the simple payment server 400 may cancel a previously completed payment in response to a request from the payer terminal 100, the affiliated store terminal 200, or the payment integration server 300.

As described above, the payer terminal 100, the affiliated store terminal 200, the payment integration server 300, and the simple payment server 400 constituting the integrated payment system are at least one of a public wired communication network and a mobile communication network. Data can be transmitted and received using the combined network.

For example, public wired communication networks may include Ethernet, x Digital Subscriber Line (xDSL), Hybrid Fiber Coax (HFC), and Fiber To The Home (FTTH). It may, but is not limited thereto. In addition, the mobile communication network includes Code Division Multiple Access (CDMA), Wideband CDMA (WCDMA), High Speed Packet Access (HSPA), Long Term Evolution, LTE) and 5th generation mobile telecommunication may be included, but are not limited thereto.

Hereinafter, the configuration of the payment integration server 300 having the above characteristics will be described in more detail.

3 is a logical configuration diagram of a payment integration server according to an embodiment of the present invention.

As shown in FIG. 3, the payment integration server 300 according to an embodiment of the present invention includes a communication unit 305, an input/output unit 310, a service provider identification unit 315, a payer verification unit 320, It may be configured to include an affiliated store verification unit 325 and a simple payment request unit 330.

Since the components of the payment integration server 300 are merely functionally distinct elements, two or more components are integrated and implemented in an actual physical environment, or one component is separated from each other in an actual physical environment. and can be implemented.

Describing each component, the communication unit 305 may transmit/receive data to/from one or more of the payer terminal 100, the affiliated store terminal 200, and the simple payment server 400.

Specifically, the communication unit 305 may receive behavioral data from the payer terminal 100 . The communication unit 305 may receive an acceleration value measured by an acceleration sensor from the payer terminal 100 . The communication unit 305 may receive images continuously photographed through the front camera from the payer terminal 100 .

The communication unit 305 may receive payment request data from the affiliated store terminal 200 . The communication unit 305 may receive an image including the QR code 10 from the affiliated store terminal 200 .

Also, the communication unit 305 may transmit payment request data to the simple payment server 400 . In addition, the communication unit 305 may transmit a cancellation request of a pre-performed payment to the simple payment server 400 .

With the following configuration, the input/output unit 310 may receive a signal from a user (or manager) through an input/output device or output an operation result to the outside.

Specifically, the input/output unit 310 may receive information about the plurality of simple payment servers 400 from the user in advance. The input/output unit 310 may receive information about an affiliate store where the affiliate store terminal 200 is located from a user in advance.

The input/output unit 310 may receive an activation function to be applied to a generalized matrix factorization (GMF) of an artificial neural network (ANN) and an edge weight of a hidden layer from a manager.

Also, when the payment is completed by the simple payment server 400, the input/output unit 310 may output information about the completed payment.

With the following configuration, the service provider identification unit 315 is a simple payment server that generates a QR code 10 in response to a request from the payer terminal 100 (ie, the payer A server operated by a company providing a simple payment service used by a user of the terminal 100) may be identified.

Basically, the service provider identification unit 315 receives payment request data from the merchant terminal 200 through the communication unit 305, and based on the one-time authentication information included in the received payment request data, a plurality of simple payment servers Among 400, it is possible to identify the simple payment server 400 that generated the QR code 10 in response to the request of the payer terminal 100.

Additionally, the service provider identification unit 315 may verify the simple payment server 400 pre-identified by the one-time authentication information using an image including the QR code 10.

Specifically, the service provider identification unit 315 may receive an image including the QR code 10 from the affiliated store terminal 200 through the communication unit 305 . In this case, the image including the QR code 10 may be an image captured at the time when the QR code 10 being output through the display of the payer terminal 100 is recognized through the camera of the merchant terminal 200 there is. In addition, the service provider identification unit 315 verifies whether the simple payment server 400 identified by the one-time authentication information is accurate based on the result of image processing of the image including the QR code 10. can do.

In more detail, the service provider identification unit 315 may identify a region corresponding to the display of the payer terminal 100 from the image including the QR code 10 . For example, the service provider identification unit 315 extracts an edge in an image including the QR code 10 (edge detection) and binarizes the image including the QR code 10 based on the extracted edge. ), and the binarized image may be divided into a plurality of enclosures closed by edges. Further, the service provider identification unit 315 displays one area having a width within a preset identification range among areas generated by merging one or more divided areas on the display of the payer terminal 100. It can be identified as a corresponding area.

Next, the service provider identification unit 315 may identify a user interface pattern included in an area corresponding to the display of the payer terminal 100 . For example, the service provider identification unit 315 based on the form and color of the area closed by the edge included in the area corresponding to the display of the payer terminal 100, the user interface patterns can be identified.

Then, the service provider identification unit 315 may verify the simple payment server 100 that generated the QR code 10 based on the identified pattern of the user interface. For example, the service provider identification unit 315 queries the pattern of the above-described user interface to machine learning artificial intelligence (AI) using a pre-arranged artificial neural network (ANN), thereby simplifying the process. The type of the payment server 400 is estimated, and the type of the simple payment server 400 estimated by the pattern of the user interface is matched with the simple payment server 400 identified by the above-described one-time authentication information to perform verification. can be done

For this purpose, the artificial neural network (ANN) includes Generalized Matrix Factorization (GMF) for learning a linear relation between the pattern of the user interface outputting the QR code 10 and the easy payment server 400. A hidden layer may be included.

More specifically, the GMF for learning the linear relationship between the pattern of the user interface that outputs the QR code 10 and the simple payment server 400 can be implemented using the following formula.

[formula]

In this case, p _u is the dense vector of the user interface pattern, q _i is the dense vector of the simple payment server, p _u ⊙ q _i is the Hadamard product of the dense vector of the user interface and the dense vector of the simple payment server, a is an activation function of an artificial neural network (ANN), h is an edge weight of a hidden layer, and h ^T can be a vector product of edge weights.

A dense vector is a vector whose dimension is reduced by embedding a vector expressed by one-hot encoding. That is, the dense vector is a vector whose dimensionality is reduced by removing a value of 0 from a sparse vector expressed by one-hot encoding.

Then, the service provider identification unit 315 one-hot encodes the items constituting the pattern of the user interface and expresses them as vectors, and embeds the expressed vectors to generate dense vectors with reduced dimensions, After the generated dense vector is input to the GMF layer of the hidden layer of the artificial neural network (ANN), the type of the simple payment server 400 can be estimated based on the result output through the output layer.

As described above, the image containing the QR code 10 is the merchant terminal 200 in the process of outputting the QR code 10 through the application 10 for performing simple payment by the payer terminal 100 is an image taken at the time when the QR code 10 is recognized through the camera. Therefore, the user interface identified from the image including the QR code 10 should be the same as the user interface of the application 10 distributed by the company providing the simple payment service to perform simple payment.

In addition, the user interface of the application 10 distributed by the company providing the simple payment service to perform the simple payment is composed of a unique shape and color for each company. Accordingly, the user interface of the application 10 distributed by the first company may be distinguished from the user interface of the application 10 distributed by the second company.

The service provider identification unit 315 according to the present invention verifies whether the simple payment server 400 identified by the one-time authentication information of the QR code 10 is accurate based on the user interface of the application 10.

On the other hand, when the service provider identification unit 315 recognizes the time point at which the QR code 10 is recognized based on the attribute value of the image received from the payer terminal 100, the payer terminal 100 through the communication unit 305. ), an image at the time when the QR code 10 is recognized can be requested.

And, when the service provider identification unit 315 identifies the QR code 10 from the image at the time when the QR code 10 received from the payer terminal 100 is recognized, the QR code 10 received from the payer terminal 100 Based on whether the QR code 10 included in the image and the QR code 10 included in the image received from the merchant terminal are identical to each other, the payment between the payer terminal 100 and the merchant terminal 200 is genuine It can also be verified whether or not

With the following configuration, the payer verification unit 320 determines that the user of the payer terminal 100 performing simple payment is a malicious stealer of the payer terminal 100 or a finder of the lost payer terminal 100. It can be verified that the

Specifically, when payment request data is received from the affiliated store terminal 200, the payer verification unit 320 may request behavior data from the payer terminal 100 through the communication unit 305. When behavioral data is received from the payer terminal 100, the payer verification unit 320 may verify the user of the payer terminal 100 based on the received behavioral data.

In this case, the behavioral data is generated in the payer terminal 100 by the conscious or unconscious actions of the user of the payer terminal 100 from execution to termination of the application 110 for performing simple payment. Data about events.

In general, payers using simple payment depend on their personal inclinations or habits, the time of executing the application 110, the time of requesting the QR code 10 by performing authentication and outputting it through the display, and the QR code after attempting simple payment. The timing of ending the output of the code 10 and the timing of ending the application 110 are slightly different.

Considering this point, the payer verification unit 320 may verify the user of the payer terminal 100 using difference values between times included in the behavior data.

In this case, the behavioral data includes the execution time of the application 110 for performing simple payment, the time at which the generation of the QR code 10 is requested, the time at which the QR code 10 is received from the simple payment server 400, and the received The time at which the QR code 10 is output through the display, the time at which output of the QR code 10 through the display is ended, and the time at which the application 110 is requested to be terminated may be included.

In general, payers who use simple payment do not attempt a special movement in the process of simple payment due to concerns about payment failure.

Considering this point, the payer verification unit 320 may verify the user of the payer terminal 100 by further using distance values between location information included in the behavior data.

In this case, the behavioral data includes the location information of the payer terminal 100 obtained at the time of execution of the application 110 for performing simple payment, and the payer terminal 100 obtained at the time when the generation of the QR code 10 is requested. ) Location information, location information of the payer terminal 100 acquired at the time the QR code 10 is received from the simple payment server 400, and obtained at the time the received QR code 10 is output through the display The location information of the payer terminal 100, the location information of the payer terminal 100 obtained when the output of the QR code 10 through the display is ended, and the time when the application 110 is terminated Acquired location information of the payer terminal 100 may be further included.

Also, in general, payers who use simple payment do not specifically run other applications at the same time for fear of leakage of personal information in the process of making simple payment.

In consideration of this point, the payer verification unit 320 determines whether an operation not intended by the user of the payer terminal 100 has been performed based on information about other applications, processes, threads, or tasks included in the behavioral data. whether it can be verified.

In this case, the behavioral data may further include information about other applications, processes, threads, or tasks executed concurrently with the application 110 for performing simple payment.

On the other hand, the payer verification unit 320 is based on the behavioral data of all users who use the application 110 for performing simple payment, between the times included in the behavioral data described above in machine learning artificial intelligence (AI). It is possible to verify whether the user of the payer terminal 100 corresponds to the same person who previously performed simple payment by querying based on difference values of and distance values between location information.

Unlike this, the payer verification unit 320 is the user of the payer terminal 100 of the times and location information included in the behavioral data at the time of using the application 110 to perform simple payment in the past. Based on the statistics, it may be verified whether the user of the payer terminal 100 corresponds to the same person who previously performed simple payment.

Furthermore, the payer verification unit 320 is a payer in the process of executing the application 110 for performing simple payment based on difference values between times and distance values between location information included in the behavioral data. The movement speed of the terminal 100 may be calculated. Also, the payer verification unit 320 may verify the user of the payer terminal 100 by further using the calculated movement speed.

In this case, the payer verification unit 320 receives the acceleration value measured by the acceleration sensor in the process of executing the application 110 for performing simple payment from the payer terminal 100, and the calculated payer terminal ( The user of the payer terminal 100 may be verified based on whether the movement speed of the payer terminal 100 and the acceleration value received from the payer terminal 100 correspond to each other.

With the following configuration, the affiliated store verification unit 325 can verify whether the user of the affiliated store terminal 200 performing simple payment corresponds to a malicious hijacker of the affiliated store terminal 200 .

Specifically, the affiliated store verification unit 325 may receive periodically captured images together with payment request data from the affiliated store terminal 200 through the communication unit 305 . The affiliate store verification unit 325 may estimate the structure of the store where the affiliate store terminal 200 is located based on images periodically captured by the affiliate store terminal 200 . Further, the affiliated store verification unit 325 may verify the store where the affiliated store terminal 200 is located based on the estimated store structure.

In this case, the periodically photographed images are taken by the camera at each preset period until the QR code 10 is recognized after the payment amount for the product or service to be simple payment is input to the merchant terminal 200. videos that have been

In general, stores that sell products or services have fixed locations such as an entrance through which customers enter and exit, a counter where payment is made, an area where products or services are prepared, and areas where products or services are provided to customers. In addition, the locations of objects unrelated to simple payment (corresponding to obstacles in terms of simple payment) such as a burglar alarm device, a computer for bookkeeping, and a fire extinguisher existing in the store are also fixed. Furthermore, in most cases, the affiliated store terminal 200 for performing simple payment is also fixed around the counter.

Considering this point, the affiliate store verifier 325 estimates the store structure based on the images periodically captured by the affiliate store terminal 200, and determines the location of the affiliate store terminal 200 based on the estimated store structure. You can verify the store that does.

In more detail, the affiliated store verifier 325 may identify each QR code 10 from images periodically photographed by the affiliated store terminal 200 . The affiliate verification unit 325 connects the positions occupied by each of the identified QR codes 10 in the image according to the order of capturing the image to identify the moving path of the payer terminal 100 there is. Also, the affiliated store verifying unit 325 may estimate the store structure based on the shape of the movement path of the payer terminal 100 .

For example, when the movement path of the identified payer terminal 100 is in the form of a curve, the affiliate store verification unit 325 determines the affiliate store terminal based on a point at which the angle is maximized within the curve. A relative direction of an obstacle located between the 200 and the payer terminal 100 may be estimated.

The affiliate verification unit 325 determines the relative position between the position occupied by the first identified QR code 10 among periodically photographed images and the position occupied by the last identified QR code 10 in the image. Based on the directionality, a relative direction toward which the camera of the affiliated store terminal 200 faces may be estimated.

The affiliate verification unit 325 compares the relative size occupied by each of the QR codes 10 identified from the periodically photographed images, and determines the distance between the affiliated store terminal 200 and the payer terminal 100 A change in distance may be identified, and a height at which the affiliated store terminal 200 is installed within the store may be estimated based on the change in the identified separation distance.

Unlike this, the affiliate verification unit 325 determines the focal length of the image in which the QR code 10 is not identified among the periodically photographed images and the focal length of the image in which the QR code 10 is last identified. Based on the difference, the height at which the affiliated store terminal 200 is installed within the store may be estimated.

On the other hand, the affiliated store verifier 325 determines the relative direction of the obstacle estimated from the periodically photographed image described above with machine learning artificial intelligence (AI) based on the structure of all stores for affiliated stores capable of performing simple payment. , Query based on the relative direction of the camera of the affiliated store terminal 200 and the height at which the affiliated store terminal 200 is installed to determine whether the store where the affiliated store terminal 200 is located corresponds to the same place as the place where simple payment was previously performed. can be verified

Unlike this, the affiliate verification unit 325 determines the relative directions of obstacles that were estimated when the affiliated store terminal 200 previously performed simple payment, the relative directions to which the camera of the affiliated store terminal 200 was directed, and the affiliated store terminal Based on the statistics of the heights at which the 200 was installed, it may be verified whether the store where the affiliated store terminal 200 is located corresponds to the same place where simple payment was previously performed.

With the following configuration, the simple payment request unit 330, among a plurality of simple payment servers 400, sends the simple payment server 400 that generated the QR code 10 in response to the request of the payer terminal 100. You can request payment.

Specifically, the simple payment request unit 330 generates the QR code 10 in response to the request of the payer terminal 100 from among the plurality of simple payment servers 400 by the service provider identification unit 315. When the simple payment server 400 is identified, payment request data received from the affiliated store terminal 200 may be transmitted to the identified simple payment server 400 to request payment for goods or services with priority.

And, based on the result of verifying whether the simple payment server 400 identified by the one-time authentication information of the QR code 10 by the service provider identification unit 315 is correct, the simple payment request unit 330 preferentially You can decide whether to cancel the payment for the product or service you requested.

The simple payment requesting unit 330 may determine whether or not to cancel payment for a product or service that has been preferentially requested based on a result of the user verification of the user terminal 100 by the payer verifying unit 320 based on the behavioral data. .

In addition, the simple payment request unit 330 preferentially requests the simple payment server 400 based on the result of the affiliated store verification unit 325 verifying the store where the affiliated store terminal 200 is located based on the structure of the store. You can decide whether to cancel payment for goods or services.

Hereinafter, hardware for implementing the logical components of the payment aggregation server 300 as described above will be described in more detail.

4 is a hardware configuration diagram of a payment integration server according to an embodiment of the present invention.

As shown in FIG. 4, the payment integration server 300 includes a processor (Processor, 350), a memory (Memory, 355), a transceiver (360), an input/output device (365), a data bus ( Bus, 370) and storage (Storage, 375) can be configured.

The processor 350 may implement operations and functions of the payment integration server 300 based on instructions according to the software 380a in which the integrated payment method is resident in the memory 355 .

Software 380a implementing the integrated payment method and payment verification method according to embodiments of the present invention may be loaded in the memory 355 .

The transceiver 360 may transmit/receive data with the payer terminal 100, the affiliated store terminal 200, and the simple payment server 400.

The input/output device 365 may receive data necessary for the operation of the payment integration server 300 and output information about verification results and payment details.

The data bus 370 is connected to the processor 350, the memory 355, the transceiver 360, the input/output device 365, and the storage 375, and is a moving path for transferring data between each component. role can be fulfilled.

The storage 375 is an application programming interface (API), library files, and resources necessary for the execution of the software 380a in which the integrated payment method and payment verification method according to embodiments of the present invention are implemented. (resource) You can save files, etc. In addition, the storage 375 may store the software 380b and the database 385 in which a method according to embodiments of the present invention is implemented. In this case, the database 385 may store artificial intelligence (AI) implemented by an artificial neural network (ANN) used for verification.

According to one embodiment of the present invention, the software (380a, 380b) for implementing the payment verification method resides in the memory 355 or stored in the storage 375, the processor 350 transmits to the affiliated store terminal via the transceiver 360 When payment request data is received from 200, receiving behavioral data accumulatively recording events generated during the execution of the simple payment application 110 from the payer terminal 100 through the transceiver 360, the processor 350 ) transmits the payment request data to the simple payment server 400 through the transceiver 360 to preferentially request payment for goods or services, and the behavioral data received from the payer terminal 100 by the processor 350 The step of verifying the user of the payer terminal 100 based on and the step of determining whether to cancel the payment preferentially requested based on the result of the processor 350 verifying the user of the payer terminal 100. It may be a computer program recorded on a recording medium to be executed.

According to another embodiment of the present invention, the software (380a, 380b) for implementing the payment verification method resides in the memory 355 or stored in the storage 375, the processor 350 transmits to the merchant terminal through the transceiver 360 Receiving periodically photographed images and payment request data from 200, the processor 350 transmits the payment request data to the simple payment server 400 through the transceiver 360, and the product to perform simple payment Alternatively, the step of preferentially requesting the payment of the service, the processor 350 estimating the structure of the store where the affiliated store terminal 200 is located based on the periodically photographed image, the processor 350 of the estimated store verifying the store where the affiliated store terminal 200 is located based on the structure; And the processor 350 may be a computer program recorded on a recording medium in order to execute a step of determining whether or not to cancel the requested payment preferentially based on the result of verifying the store where the affiliated store terminal 200 is located.

More specifically, the processor 350 may include an Application-Specific Integrated Circuit (ASIC), another chipset, a logic circuit, and/or a data processing device. The memory 355 may include read-only memory (ROM), random access memory (RAM), flash memory, a memory card, a storage medium, and/or other storage devices. The transceiver 360 may include a baseband circuit for processing wired/wireless signals. The input/output device 365 includes an input device such as a keyboard, a mouse, and/or a joystick, and a Liquid Crystal Display (LCD), an Organic LED (OLED), and/or a liquid crystal display (LCD). Alternatively, an image output device such as an active matrix OLED (AMOLED) may include a printing device such as a printer or a plotter.

When the embodiments included in this specification are implemented as software, the above-described method may be implemented as a module (process, function, etc.) that performs the above-described functions. A module may reside in memory 355 and be executed by processor 350 . The memory 355 may be internal or external to the processor 350 and may be connected to the processor 350 by various well-known means.

Each component shown in FIG. 4 may be implemented by various means, eg, hardware, firmware, software, or a combination thereof. In the case of hardware implementation, one embodiment of the present invention includes one or more Application Specific Integrated Circuits (ASICs), Digital Signal Processors (DSPs), Digital Signal Processing Devices (DSPDs), Programmable Logic Devices (PLDs), FPGAs ( Field Programmable Gate Arrays), processors, controllers, microcontrollers, microprocessors, etc.

In addition, in the case of implementation by firmware or software, an embodiment of the present invention is implemented in the form of a module, procedure, function, etc. that performs the functions or operations described above, and is stored on a recording medium readable through various computer means. can be recorded. Here, the recording medium may include program commands, data files, data structures, etc. alone or in combination. Program instructions recorded on the recording medium may be those specially designed and configured for the present invention, or those known and usable to those skilled in computer software. For example, recording media include magnetic media such as hard disks, floppy disks and magnetic tapes, optical media such as CD-ROMs (Compact Disk Read Only Memory) and DVDs (Digital Video Disks), floptical It includes hardware devices specially configured to store and execute program instructions, such as magneto-optical media, such as a floptical disk, and ROM, RAM, flash memory, and the like. Examples of program instructions may include high-level language codes that can be executed by a computer using an interpreter or the like as well as machine language codes generated by a compiler. These hardware devices may be configured to operate as one or more pieces of software to perform the operations of the present invention, and vice versa.

Hereinafter, features of the integrated payment system according to various embodiments of the present invention as described above will be described in detail with reference to the drawings.

5 and 6 are exemplary diagrams for explaining characteristics of a process of identifying and verifying a simple payment server according to an embodiment of the present invention.

Referring to FIG. 5, a plurality of simple payment servers 400a, 400b, 400c, ..., 400n; 400 are devices operated individually by numerous companies that provide simple payment services using QR codes 10. For example, the simple payment server 400 may be a device operated by a credit card company, a bank, a distribution company, a PG company, a VAN company, a mobile communication terminal manufacturer, an online platform company, or a mobile communication company.

Therefore, the payer terminal 100 of a person who wants to purchase a product or service determines which simple payment server 400 among a plurality of simple payment servers 400 to request the QR code 10 for simple payment, or The merchant terminal 200 of a store that sells goods or services becomes a problem as to which simple payment server 400 among a plurality of simple payment servers 400 to request payment for.

In order to solve this difficulty, the payment integration server 300 according to an embodiment of the present invention provides a simple payment service provider (ie, the operator of the simple payment server 400), regardless of the payer terminal 100 Simple payment using the QR code 10 made between the and the affiliated store terminal 200 can be processed in a unified manner.

Referring to FIG. 6, the payment integration server 300 according to an embodiment of the present invention is basically included in the payment request data received from the affiliated store terminal 200 (ie, identified from the QR code 10). Based on the authentication information, a simple payment server (ie, a simple payment server that generates a QR code 10 in response to a request from the payer terminal 100) to perform payment among a plurality of simple payment servers 400 can be identified.

In addition, the payment integration server 300 can verify whether the simple payment server 400 identified by the one-time authentication information is correct.

Specifically, the payment integration server 300 may receive the image 20 including the QR code 10 from the affiliated store terminal 200 . In this case, the image 20 including the QR code 10 is an image captured at the time when the QR code 10 being output through the display of the payer terminal 100 is recognized through the camera of the merchant terminal 200 This can be.

The payment integration server 300 may identify an area corresponding to the display of the payer terminal 100 from the image 20 including the QR code 10. The payment integration server 300 may identify a pattern of the user interface 120 included in the area corresponding to the display of the payer terminal 100 . Then, the payment integration server 300 queries artificial intelligence (AI) for the pattern of the identified user interface 120, estimates the type of the simple payment server 400 corresponding to the user interface 120, and Verification may be performed by matching the type of simple payment server 400 with the simple payment server 400 identified by the one-time authentication information.

In general, since the user interface 120 of the application 10 distributed by a company providing a simple payment service to perform a simple payment is composed of a unique shape and color for each company, It is what separates companies from each other.

According to the embodiment of the present invention as described above, among numerous companies that provide simple payment services using the QR code 10, there is no need to consciously identify a company that has entered into a franchise agreement with a store that sells goods or services. , The user of the payer terminal 100 can freely perform simple payment using the simple payment application 110 that he or she has previously used.

7 is an exemplary diagram for explaining characteristics of a process of verifying a payer according to an embodiment of the present invention.

Referring to FIG. 7, the payment integration server 400 according to an embodiment of the present invention allows the user of the payer terminal 100 to perform simple payment using the QR code 10 of the payer terminal 100. It is possible to verify whether the user corresponds to a malicious stealer or a finder of the lost payer terminal 100 .

To this end, when the payment request data is received from the merchant terminal 200, the payment integration server 400 requests the user's behavioral data 30a, 30b, 30c, 30d, 30e, 30f from the payer terminal 100, and , Based on the received behavioral data 30a, 30b, 30c, 30d, 30e, and 30f, it may be verified whether the user of the payer terminal 100 corresponds to the same person as the person who previously performed simple payment.

To this end, the behavioral data (30a, 30b, 30c, 30d, 30e, 30f) is the conscious or unconscious behavior of the user of the payer terminal 100 from the execution of the application 110 for simple payment to the end. Data related to events generated in the payer terminal 100 by actions.

Specifically, the payment integration server 400 based on the distance value between the time difference value and the location information included in the behavioral data (30a, 30b, 30c, 30d, 30e, 30f), the payer terminal ( 100) can be verified. In addition, the payment aggregation server 400 uses the user of the payer terminal 100 based on information about other applications, processes, threads, or tasks included in the behavioral data 30a, 30b, 30c, 30d, 30e, and 30f. can verify whether or not an unintended operation has been performed.

In general, payers using simple payment have slightly different timings for controlling the application 110 from execution to termination of the application 110 for simple payment according to personal inclinations or habits, and the The user of the payer terminal 100 is verified based on the fact that no special movement is attempted due to failure or the like, and other applications are not specifically executed at the same time due to concern about leakage of personal information.

8 is an exemplary diagram for explaining characteristics of a process of verifying an affiliated store according to an embodiment of the present invention.

Referring to FIG. 8, another payment integration server 400 according to an embodiment of the present invention allows a user of an affiliated store terminal 200 to perform a simple payment using a QR code 10 to detect malicious behavior of the affiliated store terminal 200. It can be verified that it corresponds to the hijacker.

To this end, the payment integration server 400 receives periodically photographed images 40a, 40b, and 40c together with payment request data from the affiliated store terminal 200, and periodically captures images 40a, 40b, and 40c. ) After estimating the structure of the store where the affiliated store terminal 200 is located based on, the store where the affiliated store terminal 200 is located based on the estimated store structure corresponds to the same place where simple payment was previously performed can verify that it is.

To this end, the periodically photographed images 40a, 40b, and 40c are stored in advance until the QR code 10 is recognized after the payment amount for the product or service to be performed is input to the affiliated store terminal 200. These are the images captured through the camera at intervals set in .

Specifically, the payment integration server 400 identifies the QR codes 10a, 10b, and 10c respectively from the periodically photographed images 40a, 40b, and 40c, and identifies the identified QR codes 10a, 10b, and 10c. The moving path 50 of the payer terminal 100 can be identified by connecting the positions occupied by the images 40a, 40b, and 40c according to the order in which the images 40a, 40b, and 40c are photographed. The payer terminal 100 may estimate the structure of the store based on the shape of the identified movement path 50 . Also, the payer terminal 100 may verify the store where the affiliated store terminal 100 is located based on the estimated structure of the store.

In general, a store that sells goods or services has a fixed location such as an entrance for customers to enter and exit, a counter for payment, an area for preparing products or services, and an area for providing products or services to customers. The location of objects unrelated to simple payment (corresponding to obstacles in terms of simple payment), such as existing burglar alarm devices, computers for bookkeeping, fire extinguishers, etc., is also fixed, and the merchant terminal 200 for performing simple payment is also fixed. The structure of the store where the affiliated store terminal 100 is located is estimated based on the fact that most cases are fixed around the counter.

9 is a flowchart illustrating a signal flow of an integrated payment system according to an embodiment of the present invention.

As shown in FIG. 9, after the payer terminal 100 according to an embodiment of the present invention executes the application 110 for performing simple payment in response to the control of the user (payer, purchaser), When user authentication (password, pattern, fingerprint recognition, iris recognition, etc.) is completed, generation of a QR code 10 may be requested from the simple payment server 400 through the executed application 110 (S105).

When the simple payment server 400 receives a request for generating the QR code 10 from the payer terminal 100, based on information about the payment method input in advance with respect to the user of the payer terminal 100, A QR code 10 including one-time authentication information may be generated (S110). Then, the simple payment server 400 may transmit the generated QR code 10 to the payer terminal 100 (S115).

When the QR code 10 is received from the simple payment server 400, the payer terminal 100 may output the received QR code 10 through a display (S120).

Characteristically, the payer terminal 100 may generate behavioral data in which events generated during the execution of the application 110 are accumulated and recorded when a user requests termination of the running application 110 . In this case, the behavioral data is data related to events occurring in the payer terminal 100 due to a user's conscious or unconscious behavior from the execution of the application 110 for simple payment to its termination. .

When a payment amount for a product or service to be performed for simple payment is input from a manager, an employee, etc., the affiliated store terminal 200 activates the camera until the QR code 10 is recognized, and then the QR code 10 is displayed through the camera. When recognized, it is possible to identify one-time authentication information from the recognized QR code 10. Then, the affiliated store terminal 200 may generate payment request data by including the one-time authentication information recognized from the QR code 10, the payment amount for goods or services, and the affiliated store information input in advance (S125).

Characteristically, the affiliated store terminal 200 may capture an image through the same camera as the camera used for recognizing the QR code 10 at the time when the QR code 10 is recognized through the camera. In addition, the affiliated store terminal 200 may capture images through a camera at predetermined intervals until a QR code is recognized when a payment amount for a product or service to be performed for simple payment is input.

When the payment request data is received from the affiliated store terminal 200 (S130), the payment integration server 300 may sequentially or simultaneously receive data for verification from the payer terminal 100 and the affiliated store terminal 200 ( S135). In this case, the data for verification may include behavioral data generated by the payer terminal 100, images including the QR code 10 captured by the affiliated store terminal 200, and periodically captured images.

The payment integration server 300 generates a QR code 10 in response to a request from the payer terminal 100 among a plurality of simple payment servers 400 based on the one-time authentication information included in the payment request data. The payment server 400 may be identified. In addition, the payment integration server 300 determines whether the simple payment server 400 identified by the one-time authentication information is accurate based on the result of image processing of the image containing the QR code 10 photographed by the merchant terminal 200. It is possible to verify whether or not (S140).

The payment integration server 300 may transmit the payment request data received from the affiliated store terminal 200 to the identified simple payment server 400, and may preferentially request payment for goods or services (S145).

The payment integration server 300 is based on the behavioral data generated by the payer terminal 100 and the images periodically taken by the affiliated store terminal 200, the user of the payer terminal 100 and the user of the affiliated store terminal 200 can be verified (S150). Since the detailed verification method is the same as that described with reference to FIGS. 3 to 8 , it will not be described repeatedly.

In addition, the payment integration server 300 determines that, as a result of verification, the user of the payer terminal 100 does not correspond to the same person who previously performed simple payment, or the store where the affiliated store terminal 200 is located is existing If it does not correspond to the same place as the place where the simple payment was performed, it is possible to request the cancellation of the product or service payment that has been preferentially requested to the simple payment server 400 (S155).

10 is a flowchart illustrating an integrated payment method according to an embodiment of the present invention.

As shown in FIG. 10 , the payment integration server 300 according to an embodiment of the present invention may receive payment request data from the affiliated store terminal 200 (S210). Here, the payment request data may include one-time authentication information recognized from the QR code 10, payment amount, and affiliated store information, but is not limited thereto.

The payment integration server 300 is simple payment to perform payment among a plurality of simple payment servers 400 based on the one-time authentication information included in the received payment request data (that is, identified from the QR code 10). The server (that is, the simple payment server that generated the QR code 10 in response to the request of the payer terminal 100) can be identified (S220).

The payment integration server 300 may verify the simple payment server 400 previously identified by the one-time authentication information using the image including the QR code 10 (S230).

Specifically, the payment integration server 300 may receive the image 20 including the QR code 10 from the affiliated store terminal 200 . The payment integration server 300 may identify an area corresponding to the display of the payer terminal 100 from the image 20 including the QR code 10. The payment integration server 300 may identify a pattern of the user interface 120 included in the area corresponding to the display of the payer terminal 100 . Then, the payment integration server 300 queries artificial intelligence (AI) for the pattern of the identified user interface 120, estimates the type of the simple payment server 400 corresponding to the user interface 120, and Verification may be performed by matching the type of simple payment server 400 with the simple payment server 400 identified by the one-time authentication information.

The payment integration server 300 may transmit the payment request data received from the affiliated store terminal 200 to the identified simple payment server 400, and may preferentially request payment for goods or services (S240).

The payment integration server 300 requests the user's behavioral data from the payer terminal 100, and based on the received behavioral data, the user of the payer terminal 100 is sent to the same person who previously performed simple payment. It can be verified whether it is applicable (S250).

Specifically, the payment integration server 400 may verify the user of the payer terminal 100 based on a difference value between times and a distance value between location information included in the behavior data. In addition, the payment integration server 400 may verify whether an operation not intended by the user of the payer terminal 100 has been performed based on information about other applications, processes, threads, or tasks included in the behavioral data. there is.

The payment integration server 300 estimates the structure of the store where the affiliated store terminal 200 is located based on the periodically photographed images received together with the payment request data from the affiliated store terminal 200, and then calculates the structure of the estimated store. Based on this, it can be verified whether the store where the affiliated store terminal 200 is located corresponds to the same place as the place where simple payment was previously performed (S260).

Specifically, the payment integration server 400 identifies each QR code from periodically photographed images, and connects the positions occupied by the identified QR codes in the images according to the shooting order of the images, so that the payer terminal ( 100) can be identified. The payer terminal 100 may estimate the structure of the store based on the shape of the identified movement path. Also, the payer terminal 100 may verify the store where the affiliated store terminal 100 is located based on the estimated structure of the store.

In addition, the payment integration server 300 determines that, as a result of verification, the user of the payer terminal 100 does not correspond to the same person who previously performed simple payment, or the store where the affiliated store terminal 200 is located is existing If it is determined that it is abnormal because it does not correspond to the same place where the simple payment was performed (S270), the simple payment server 400 may be requested to cancel the payment for the product or service requested first (S280).

As described above, although preferred embodiments of the present invention have been disclosed in the present specification and drawings, it is in the technical field to which the present invention belongs that other modified examples based on the technical spirit of the present invention can be implemented in addition to the embodiments disclosed herein. It is self-evident to those skilled in the art. In addition, although specific terms have been used in the present specification and drawings, they are only used in a general sense to easily explain the technical content of the present invention and help understanding of the present invention, but are not intended to limit the scope of the present invention. Accordingly, the foregoing detailed description should not be construed as limiting in all respects and should be considered illustrative. The scope of the present invention should be selected by reasonable interpretation of the appended claims, and all changes within the equivalent scope of the present invention are included in the scope of the present invention.

Payer terminal: 100 Merchant terminal: 200
Payment integration server: 300 Simple payment server: 400
Communication unit: 305 I/O unit: 310
Service Provider Identification Unit: 315 Payer Verification Unit: 320
Merchant Verification Department: 325 Easy Payment Request Department: 330

Claims (10)

Based on the information about the payment method entered in advance, a QR code (Quick-Response code) containing one-time authentication information is generated, and when payment request data is received, payment gateway (PG), value added network (VAN) or its own A plurality of simple payment servers that perform payment using a payment system;
a payer terminal requesting generation of the QR code to one of the plurality of simple payment servers and outputting the generated QR code through a display;
When the QR code output through the display is recognized through the camera after the payment amount for the product or service is input, the one-time authentication information identified from the QR code, the payment amount, and the merchant information entered in advance are included to make the payment An affiliated store terminal generating requested data; and
Based on the one-time authentication information included in the payment request data generated by the merchant terminal, the simple payment server that generated the QR code is identified among the plurality of simple payment servers, and the payment is made to the identified simple payment server Including a payment integration server that transmits the request data,
The payer terminal
After the QR code is output through the display, images are continuously photographed through a front camera that photographs the same direction as the output direction of the display, and the continuously photographed images are taken in response to a request to the payment integration server. transmits one or more images of
The affiliated store terminal
When the QR code being output through the display of the payer terminal is recognized through the camera, an image is captured through the same camera as the camera used for recognizing the QR code, and the image captured through the same camera is recalled. Send to the payment consolidation server,
The payment integration server
Requesting an image at the time when the QR code is recognized by the payer terminal, and when a QR code is identified from the image received from the payer terminal, the QR code included in the image received from the payer terminal and the affiliate store Verifying whether payment is made between the payer terminal and the affiliated store terminal based on whether the QR codes included in the images received from the terminal are identical to each other,
Identifying an area corresponding to the display of the payer terminal from the image received from the merchant terminal, identifying a pattern of a user interface included in the area corresponding to the display, and Verify the simple payment server that generated the QR code based on the pattern,
Edge detection in the image received from the affiliated store terminal, binarization of the image based on the extracted edge, and a plurality of enclosures closed by the edge and identifying one area having a width within a preset identification range among areas generated by merging one or more of the divided areas as an area corresponding to the display;
Identifying a pattern of the user interface based on a shape and color of an area closed by the edge included in an area corresponding to the identified display;
Using a pre-arranged artificial neural network (ANN), machine-learned artificial intelligence (AI) is queried for the pattern of the user interface to estimate the type of simple payment server, and the pattern of the user interface Performing the verification by matching the type of simple payment server estimated by and the simple payment server identified by the one-time authentication information with each other,
The affiliated store terminal
When the payment amount for a product or service for which a simple payment is to be made is entered, an image is taken through the camera at each preset cycle until the QR (Quick-Response) code is recognized,
When a QR code is recognized through the camera, payment request data is generated by including the one-time authentication information identified from the QR code, the payment amount, and merchant information entered in advance, and then the periodically photographed images and the payment Send the request data to the payment consolidation server,
The payment integration server
When the periodically photographed images and payment request data are received from the affiliated store terminal, a structure of a store where the affiliated store terminal is located is estimated based on the periodically photographed images;
verifying a store where the affiliated store terminal is located based on the estimated store structure;
Each of the QR codes is identified from the periodically photographed images, and the moving path of the payer terminal is identified by connecting positions occupied by each of the identified QR codes in the image in the order of photographing. and estimating the structure of the store based on the shape of the identified movement path;
When the movement path is in the form of a curve, a relative direction of an obstacle located between the merchant terminal and the payer terminal is estimated based on a point at which an angle is maximized within the curve,
Relative direction of the camera of the affiliated store terminal based on the relative direction between the position occupied by the first identified QR code among the periodically photographed images and the position occupied by the last identified QR code in the image estimate,
A change in the separation distance between the merchant terminal and the payer terminal is identified by comparing the relative sizes of each of the identified QR codes occupied in the image, and based on the change in the identified separation distance, in the store Estimating the height at which the affiliated store terminal is installed;
Based on the difference between the focal length of the image in which the QR code is not identified among the periodically photographed images and the focal length of the image in which the QR code is last identified, the affiliated store terminal in the store estimate the installed height,
The relative direction of the estimated obstacle, the relative direction the camera is facing, and the affiliated store terminal to the machine-learned artificial intelligence (AI) based on the structure of all stores for affiliates that can perform the simple payment An integrated payment system characterized by verifying whether the store where the affiliated store terminal is located corresponds to the same place where simple payment was previously performed by querying based on the installed height. delete delete delete delete delete The method of claim 1, wherein the artificial neural network
Integrated payment characterized by including a hidden layer including Generalized Matrix Factorization (GMF) for learning a linear relation between a pattern of a user interface that outputs a QR code and a simple payment server system. The method of claim 7, wherein the payment integration server
The items constituting the pattern of the user interface are one-hot encoded and expressed as a vector, and the expressed vector is embedded to reduce the dimensionality of the dense vector. vector) is generated, the generated dense vector is input to the GMF layer of the hidden layer, and the type of the simple payment server is estimated based on a result output from an output layer. system. delete a communication unit for receiving payment request data from an affiliated store terminal and transmitting the payment request data to one of a plurality of simple payment servers; and
Based on the one-time authentication information included in the payment request data, a simple payment server that generated a QR code is identified among the plurality of simple payment servers, and the payment request data is transmitted to the identified simple payment server through the communication unit. It is configured to include a service provider identification unit that
The plurality of easy payment servers
Based on the information about the payment method entered in advance, the QR code including one-time authentication information is generated and transmitted to the payer terminal, and when the payment request data is received, payment is made using PG, VAN or its own payment system perform,
The affiliated store terminal
When the QR code output through the camera and the display of the payer terminal is recognized after the payment amount for the product or service is input, the one-time authentication information identified from the QR code, the payment amount, and the merchant entered in advance generating the payment request data by including information;
When the QR code being output through the display of the payer terminal is recognized through the camera, an image is captured through the same camera as the camera used for recognizing the QR code, and the image captured through the same camera is recalled. transmit to the Service Provider Identity;
The payer terminal
After the QR code is output through the display, images are continuously photographed through a front camera that photographs the same direction as the output direction of the display, and the continuously photographed images are taken in response to a request to the payment integration server. transmits one or more images of
The service provider identification unit
Requesting an image at the time when the QR code is recognized from the payer terminal, and when the QR code is identified from the image received from the payer terminal, the QR code included in the image received from the payer terminal and the affiliate store Verifying whether payment is made between the payer terminal and the affiliated store terminal based on whether the QR codes included in the images received from the terminal are identical to each other,
Identifying an area corresponding to the display of the payer terminal from the image received from the merchant terminal, identifying a pattern of a user interface included in the area corresponding to the display, and Verify the simple payment server that generated the QR code based on the pattern,
Edge detection in the image received from the affiliated store terminal, binarization of the image based on the extracted edge, and a plurality of enclosures closed by the edge and identifying one area having a width within a preset identification range among areas generated by merging one or more of the divided areas as an area corresponding to the display;
Identifying a pattern of the user interface based on a shape and color of an area closed by the edge included in an area corresponding to the identified display;
Using a pre-arranged artificial neural network (ANN), machine-learned artificial intelligence (AI) is queried for the pattern of the user interface to estimate the type of simple payment server, and the pattern of the user interface Performing the verification by matching the type of simple payment server estimated by and the simple payment server identified by the one-time authentication information with each other,
The affiliated store terminal
When the payment amount for a product or service for which a simple payment is to be made is entered, an image is taken through the camera at each preset cycle until the QR (Quick-Response) code is recognized,
When a QR code is recognized through the camera, payment request data is generated by including the one-time authentication information identified from the QR code, the payment amount, and merchant information entered in advance, and then the periodically photographed images and the payment Sending request data to the service provider identification unit;
The service provider identification unit
When the periodically photographed images and payment request data are received from the affiliated store terminal, a structure of a store where the affiliated store terminal is located is estimated based on the periodically photographed images;
verifying a store where the affiliated store terminal is located based on the estimated store structure;
Each of the QR codes is identified from the periodically photographed images, and the moving path of the payer terminal is identified by connecting positions occupied by each of the identified QR codes in the image in the order of photographing. and estimating the structure of the store based on the shape of the identified movement path;
When the movement path is in the form of a curve, a relative direction of an obstacle located between the merchant terminal and the payer terminal is estimated based on a point at which an angle is maximized within the curve,
The relative direction of the camera of the affiliated store terminal based on the relative direction between the position occupied by the first identified QR code among the periodically photographed images and the position occupied by the last identified QR code in the image estimate,
A change in the separation distance between the merchant terminal and the payer terminal is identified by comparing the relative sizes of each of the identified QR codes occupied in the image, and based on the change in the identified separation distance, in the store Estimating the height at which the affiliated store terminal is installed;
Based on the difference between the focal length of the image in which the QR code is not identified among the periodically photographed images and the focal length of the image in which the QR code is last identified, the affiliated store terminal in the store estimate the installed height,
The relative direction of the estimated obstacle, the relative direction the camera is facing, and the affiliated store terminal to the machine-learned artificial intelligence (AI) based on the structure of all stores for affiliated stores capable of performing the simple payment Characterized in that, by querying based on the installed height, verifying whether the store where the affiliated store terminal is located corresponds to the same place where simple payment was previously performed, the payment integration server.

Images