KR102612033B1 - Apparatus and method for paying in unmanned stores using token information of credit or debit cards - Google Patents

Abstract

The payment device of the present invention includes a first acquisition unit that acquires token information of a payment card; It may include a payment unit that pays the price of the product using the pre-obtained token information.

Description

Apparatus and method for paying in unmanned stores using token information of credit or debit cards}

The present invention relates to a device and method for automatically performing payment in an unmanned store.

As IT technology develops, unmanned store operation systems without clerks are being proposed.

However, the unmanned store operation system has limitations as it is mainly used in specific stores that can handle rapid payment processing. For example, an unmanned store operation system is suitable for stores that require quick payment processing, sell relatively small items so there is less burden on packaging, and purchase a relatively small number of items. A representative example of this is convenience stores.

In order to popularize the unmanned store operation system, the payment process needs to be simplified.

Korean Patent Publication No. 2019-0019453 discloses an automatic payment device for selling cosmetics and an unmanned cosmetics store operation system including the same.

Korea Patent Publication No. 2019-0019453

The present invention is intended to provide a payment device and method that can simplify entry into or payment at an unmanned store using token information of a credit card or check card.

The payment device of the present invention includes a first acquisition unit that acquires token information of a payment card; It may include a payment unit that pays the price of the product using the pre-obtained token information.

The payment device of the present invention includes an acquisition means for obtaining the user's payment card information; Transmitting means for transmitting the payment card information to a payment server; Receiving means for receiving token information corresponding to the payment card information from the payment server in response to providing the payment card information; an input means for receiving terminal information of a user who provided the payment card information to the acquisition means; Providing means for providing the token information and the terminal information together to a management server that issues an entry code for entering the store; An entrance gate installed at the entrance of the store; It may include an exit gate installed at the exit of the store.

The entrance gate may physically operate in one of a first mode allowing the user's entrance and a second mode restricting the user's entrance.

The entry gate basically operates in the second mode, and can operate in the first mode only when the entry code output from the terminal is recognized.

When a user who entered the store leaves the store, the exit gate may extract the shopping cart code given to the user at the time of entering the store.

The exit gate may transmit specific token information linked to the shopping cart code to the management server or the payment server along with the product code of the specific product purchased by the user.

The payment method of the present invention includes the steps of obtaining token information of the user's payment card from a payment server that pays for product prices in a store or a kiosk installed around the store; Obtaining the user's terminal information; When the token information is obtained, transmitting an entry code to the user's terminal may include.

According to the present invention, a one-time entry means that allows use of an unmanned store without installing a separate application can be implemented.

According to the present invention, an environment in which an unmanned store can be used without separate membership registration can be provided.

According to the present invention, postpaid payment, repayment, cancellation, etc. can be performed using token information.

According to the present invention, the existing payment process performed upon exit can be greatly simplified. As a result, congestion at exit gates, which are the most congested when using stores, can be greatly reduced.

1 is a schematic diagram showing a payment device of the present invention.
Figure 2 is a block diagram showing the management server of the present invention.
Figure 3 is a block diagram showing the kiosk of the present invention.
Figure 4 is a block diagram showing an exit gate of the present invention.
Figure 5 is a flow chart showing the payment method of the present invention.

Below, with reference to the attached drawings, embodiments of the present invention will be described in detail so that those skilled in the art can easily implement the present invention. However, the present invention may be implemented in many different forms and is not limited to the embodiments described herein. In order to clearly explain the present invention in the drawings, parts that are not related to the description are omitted, and similar parts are given similar reference numerals throughout the specification.

In this specification, duplicate descriptions of the same components are omitted.

Also, in this specification, when a component is mentioned as being 'connected' or 'connected' to another component, it may be directly connected or connected to the other component, but may be connected to the other component in the middle. It should be understood that may exist. On the other hand, in this specification, when it is mentioned that a component is 'directly connected' or 'directly connected' to another component, it should be understood that there are no other components in between.

Additionally, the terms used in this specification are merely used to describe specific embodiments and are not intended to limit the present invention.

Also, in this specification, singular expressions may include plural expressions, unless the context clearly dictates otherwise.

In addition, in this specification, terms such as 'include' or 'have' are only intended to designate the presence of features, numbers, steps, operations, components, parts, or combinations thereof described in the specification, and one or more It should be understood that this does not exclude in advance the presence or addition of other features, numbers, steps, operations, components, parts, or combinations thereof.

Also, in this specification, the term 'and/or' includes a combination of a plurality of listed items or any of the plurality of listed items. In this specification, 'A or B' may include 'A', 'B', or 'both A and B'.

Additionally, in this specification, detailed descriptions of well-known functions and configurations that may obscure the gist of the present invention will be omitted.

1 is a schematic diagram showing a payment device of the present invention.

The payment device shown in FIG. 1 may include an entry gate 10, an exit gate 20, a kiosk 30, a management server 100, and a payment server 200.

The entrance gate 10 may be installed at the entrance of a store selling products, for example, an unmanned store without a manager. The entrance gate 10 can guide the entrance path of a user who wants to use the store. Alternatively, the entrance gate 10 may physically restrict the user's entrance according to set conditions. For example, the entrance gate 10 may be provided with a barrier or bar that blocks the user's entrance. The diaphragm or diaphragm may be installed to be movable. If a specific user is allowed to enter, the user can escape from the blocked entry path. If a specific user is not allowed to enter, the user can enter the blocked entry path and block the specific user's entry.

The entrance gate 10 may physically operate in one of a first mode that allows the user's entry and a second mode that restricts the user's entry. The first mode may represent a state in which the block escapes from the entry path. The second mode may indicate a state in which the barrier enters the entry path.

The entrance gate 10 basically operates in the second mode, and can operate in the first mode only when the entrance code output from the terminal 90 is recognized.

The exit gate 20 may be installed at the exit of the store. The exit gate 20 may guide the user's exit route from the store. In some cases, the exit gate 20 may be equipped with a barrier similar to that of the entry gate 10. The block allows the user to escape from the exit path and allow the user to leave the store only when payment for the product has been completed. If the block is determined to be in an abnormal payment state in which payment for the product owned by the user who entered the exit path was not made normally, the user may remain in the exit path. It is possible to restrict the user's exit from a blocked store that remains in the exit path. There may be no separate barrier at the exit gate 20.

The kiosk 30 can receive various information related to payment from the user.

The kiosk 30 may be provided outside the store rather than inside the store. Preferably, the kiosk 30 may be installed around the entrance of the store, for example, within 10 m from the store entrance. The kiosk 30 may include a reader capable of reading card information from the user's payment card. The kiosk 30 can use the reading information to check whether the card is stolen/lost.

The management server 100 can manage the entry gate 10, the exit gate 20, and the kiosk 30.

As an example, the management server 100 may determine whether to enter the path of the barrier provided at the entry gate 10 or the exit gate 20. Alternatively, the management server 100 may communicate with the kiosk 30 and exchange various information with the kiosk 30. When the entry gate 10 and the exit gate 20 are controlled by the control means of the store itself, the management server 100 can concentrate on exchanging various information with the kiosk 30.

The payment server 200 can authenticate, authorize, and process a user's payment for a product. As an example, at least one of the kiosk 30, the entry gate 10, and the exit gate 20 may be equipped with a POS (Point Of Sales) payment machine that allows payment with a credit card or check card. The payment server 200 may include a VAN (Value-Added Network) server that communicates with the POS payment machine and performs various payment and settlement-related tasks using credit or check cards, etc.

The payment device of the present invention allows entry into the store only to users holding a credit or check card capable of payment, and provides an environment in which the product price is automatically settled without the user having to separately settle the product price upon leaving. there is.

As an example, the kiosk 30 may transmit information on payment cards such as credit cards and check cards provided by the user, such as card number and expiration date, to the payment server 200.

The payment server 200 may generate token information based on payment card information and provide it to the kiosk 30.

The kiosk 30 may provide token information to the management server 100. In some cases, token information may be transmitted directly from the payment server 200 to the management server 100.

The kiosk 30 may additionally provide information about the terminal 90 provided by the user to the management server 100. The terminal 90 may include a user's mobile communication terminal 90, such as a smartphone. Information on the terminal 90 may include the phone number of the terminal 90, etc.

When token information is obtained, the management server 100 may provide an entry code to the user's terminal 90 using the terminal 90 information entered by the user of the payment card that is the basis of the token information. The entry code may have been agreed upon with the entry gate 10 in advance. Alternatively, the management server 100 may deliver the admission code to the entrance gate 10 through the kiosk 30 or directly deliver the admission code to the entrance gate 10.

The admission code may include a barcode, QR (Quick Response) code, etc. When the user puts the entrance code output from the terminal 90 to the sensor of the entrance gate 10, the entrance gate 10 can check the entrance code and determine whether to open or close the curtain. If the detected entry code is determined to be valid, the entry gate 10 clears the block from the entry path, and the user can enter the store through the entry path. The management server 100 may grant a shopping cart code associated with token information to a user entering the store. In reality, the shopping cart code may be given to the user's terminal 90, or to a cart provided by the store and dragged by the user.

Users who enter the store can select a product and exit the store using the exit path.

The exit gate 20 provided on the exit path can detect the shopping cart code and detect products held by the user or in the cart using an RFID (radio frequency identification) tag. To prevent products from being mixed with other users' products, the exit gate 20 may match the shopping cart code of a specific user with the product code of a specific product purchased by the specific user. The management server 100 may transmit specific token information linked to a specific shopping cart code and the product code of a specific product to the payment server 200. Since the payment server 200 can obtain the same payment information as the payment information received from the general POS payment machine, payment and settlement for the product can be performed without any difficulties. In some cases, the exit gate 20 may transmit token information and product code to the payment server 200 on behalf of the management server 100.

According to this embodiment, a user who has provided card information through the kiosk 30 in advance can just pass through the exit gate 20 without going through a settlement process such as taking each product out of the checkout counter and stamping it on a reader when leaving. . According to this embodiment, only users who can make payments through payment card information previously entered through the kiosk 30 can enter the store. A user who enters the store can select a product, carry it or put it in a cart, and then exit the store through the exit gate 20 without any product settlement procedures. Token information based on payment card information obtained through the kiosk 30 may be stored in the management server 100, etc. for a set time. The token information stored in the management server 100 for a set time can be used to pay for the product when the user leaves the product. Meanwhile, if it is within the set time, the user who has left the store can re-enter the store using the previously issued entry code without repeatedly inserting the payment card into the kiosk 30. To prevent token information from disappearing while the user enters the store, the flow of token information storage time may be paused when the user enters the store. If the user leaves the store, the flow of token information storage time may be replayed and the storage time may be deducted.

Figure 2 is a block diagram showing the management server 100 of the present invention.

The management server 100 may include a first acquisition unit 110, a second acquisition unit 120, an entry unit 130, a code unit 150, and a payment unit 170.

The first acquisition unit 110 may acquire token information of the payment card. Token information of the payment card may be generated in the payment server 200 based on the information of the payment card. The first acquisition unit 110 may obtain token information from the payment server 200 or may obtain token information from the kiosk 30 that receives token information from the payment server 200. Token information may include a disposable virtual card number containing (encrypted) essential information required for payment (card number, expiration date, etc.). Token information may be stored and used in the payment server 200 or management server 100 for a set period.

The second acquisition unit 120 may acquire terminal 90 information matching token information. Terminal 90 information may include a mobile phone (cellular phone) phone number, etc.

The entrance unit 130 may allow entry to a store where products are available using token information. Only users who have been given token information can enter the store through the entry unit 130.

As an example, when token information is acquired through the first acquisition unit 110, the admission unit 130 may transmit an admission code to the terminal 90 that matches the token information.

The code unit 150 may grant a shopping cart code associated with token information to a user (including the user's terminal 90) entering the store where the product is provided.

The payment unit 170 can pay or settle the price of the product using pre-acquired token information.

When a specific user leaves the store, the payment unit 170 can automatically pay for the product purchased by the specific user using the specific user's token information. Payment performed by the payment unit 170 may include transmitting the price or product code of the product along with the token information to the payment server 200 that generated the token information.

For example, when the payment unit 170 obtains the product code assigned to a product along with the equipment or code, it can calculate the price of the product using the product code. The payment unit 170 may transmit the calculated product price and token information to the payment server 200.

Figure 3 is a block diagram showing the kiosk 30 of the present invention.

The kiosk 30 installed around a store where products are provided may be provided with an acquisition means 31, a transmission means 35, a reception means 37, an input means 33, and a provision means 39.

The acquisition means 31 can obtain payment card information. The acquisition means 31 may include a reader that scans the information of the payment card.

The transmitting means 35 may transmit payment card information to the payment server 200.

The receiving means 37 may receive token information from the payment server 200 in response to providing payment card information. The transmitting means 35 and the receiving means 37 may include various communication modules capable of wired or wireless communication with the payment server 200.

The input means 33 can receive terminal 90 information of a user who has provided payment card information to the acquisition means 31 . The input means 33 may include buttons, touch pads, etc. operated by the user.

The provision means 39 may provide token information to the first acquisition unit 110 and terminal 90 information to the second acquisition unit 120. The provision means 39 may include a communication module capable of wired or wireless communication with the first acquisition unit 110 and the management server 100 provided with the second acquisition unit.

Figure 4 is a block diagram showing the exit gate 20 of the present invention.

The exit gate 20 may be provided with a first detection means 21, a second detection means 22, and a classification means 23.

The first detection means 21 can detect the shopping cart code. As an example, the shopping cart code may be the same as the admission code. In this case, the first detection means 21 may include a QR reader, a barcode reader, etc. that can recognize the entry code. The user can skip the separate manual product settlement process and leave immediately by simply touching the entry code displayed on the terminal 90 to the first detection means 21 while exiting. As another example, the shopping cart code may include an RFID tag installed on the cart, etc. In this case, the first sensing means 21 may include an RFID reader capable of recognizing an RFID tag.

The second detection means 22 can detect the product code. For example, when each product is provided with an RFID tag, the second detection means 22 may include an RFID receiver or RFID reader capable of communicating with the RFID tag.

The distinguishing means 23 can distinguish a plurality of users.

According to the distinguishing means 23, it can be distinguished whether a specific product belongs to the first user or to the second user. As an example, the classification means 23 can group the origin of a specific product code and the origin of the closest shopping cart code into one and distinguish them from other shopping cart codes and other product codes. According to this embodiment, an abnormal operation in which a product purchased by the second user is paid for by the first user can be prevented.

The specific shopping cart code assigned to a specific user may be matched with the product code of a specific product purchased by the specific user through the classification means 23.

The payment unit 170 may transmit specific token information linked to a specific shopping cart code and the product code of a specific product to the payment server 200.

The payment device of the present invention may include a kiosk 30, an entry gate 10, an exit gate 20, a management server 100, and a payment server 200. Alternatively, the payment device of the present invention may be defined as a smaller concept.

As an example, the management server 100 may correspond to the payment device of the present invention.

For example, a kiosk 30, an entry gate 10, and an exit gate 20 that are externally present in a store may correspond to payment devices. In this case, the payment device may include an acquisition means 31, a transmission means 35, a reception means 37, an input means 33, a provision means 39, an entry gate 10, and an exit gate 20. You can.

As described above, the acquisition means 31 can obtain the user's payment card information.

The transmitting means 35 may transmit payment card information to the payment server 200.

The receiving means 37 may receive token information corresponding to the payment card information from the payment server 200 in response to providing the payment card information.

The input means 33 can receive terminal 90 information of a user who has provided payment card information to the acquisition means 31 .

The provision means 39 may provide token information and terminal 90 information together to the management server 100, which issues an entry code for entering the store.

The entrance gate 10 is installed at the entrance of the store and can open and close the entrance route.

The entrance gate 10 may physically operate in one of a first mode that allows the user's entry and a second mode that restricts the user's entry.

The entrance gate 10 basically operates in the second mode, and can operate in the first mode only when the entrance code output from the terminal 90 is recognized.

The exit gate 20 may be installed at the exit of the store. In some cases, the exit gate 20 may open and close the exit path. In order to minimize payment congestion in the store, the exit gate 20 may always keep the exit path open. However, the exit gate 20 may form an exit path to pass through the detection ranges of the first detection means 21 and the second detection means 22.

When a user who has entered the store leaves the store, the exit gate 20 can extract the shopping cart code given to the user at the time of entering the store.

The exit gate 20 may transmit specific token information linked to the shopping cart code to the management server 100 or payment server 200 along with the product code of the specific product purchased by the user.

Figure 5 is a flow chart showing the payment method of the present invention.

The payment method shown in FIG. 5 may be performed by the payment device of FIG. 1 or the payment device (management server 100) of FIG. 2.

The payment method may include a first acquisition step (S 510), a second acquisition step (S 520), a transmission step (S 530), and a payment step (S 540).

In the first acquisition step (S510), token information of the user's payment card may be acquired from the payment server 200 that pays for the product price in the store or the kiosk 30 installed around the store. The first acquisition step (S510) may be performed by the first acquisition unit 110 of the management server 100.

The second acquisition step (S520) may acquire information about the user's terminal 90. The second acquisition step (S520) may be performed by the second acquisition unit 120 of the management server 100.

In the transmission step (S530), when token information is obtained, an entry code may be transmitted to the user's terminal 90. The transmission step (S530) may be performed by the entry unit 130 of the management server 100.

The payment step (S 540) may obtain specific token information and the product code of a specific product linked to the shopping cart code from the exit gate 20, and transmit the specific token information and the product code of the specific product to the payment server 200. . According to the payment step (S540), payment or settlement of a specific product may be performed in the payment server 200 using the payment card indicated by specific token information. The payment step (S540) may be performed by the payment unit 170.

Meanwhile, the embodiments of the present invention are not only implemented through the apparatus and/or method described so far, but may also be implemented through a program that realizes the function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded. This implementation can be easily implemented by anyone skilled in the art from the description of the above-described embodiments.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements made by those skilled in the art using the basic concept of the present invention defined in the following claims are also possible. It falls within the scope of invention rights.

10...entry gate 20...exit gate
21...first detection means 22...second detection means
23...Mean of classification 30...Kiosk
31...means of acquisition 33...means of input
35... means of transmission 37... means of reception
39...Means of provision 90...Terminal
100...Management Server 110...First Acquisition Department
120...2nd acquisition department 130...entry department
150...Code section 170...Payment section
200...Payment server

Claims (10)

a first acquisition unit that acquires token information of a payment card; a payment unit that pays the price of the product using the pre-obtained token information; an entrance unit that allows entry into a store where the product is available using the token information; a second acquisition unit that acquires terminal information matching the token information; and a code unit that grants a shopping cart code associated with the token information to a user who enters a store where the product is provided.
Kiosks installed around stores where the products are provided;
An entrance gate installed at the entrance of a store where the product is provided; and
Including an exit gate installed at the exit of the store where the product is provided,
The entrance section,
Only users who have been granted the token information can enter the store, but when the token information is obtained through the first acquisition unit, an entry code is transmitted to the terminal matching the token information,
The payment department,
When a specific user leaves the store, the price of the product purchased by the specific user is automatically paid using the specific user's token information,
Transmitting the price of the product along with the token information to the payment server that generated the token information,
When the product code assigned to the product is obtained along with the shopping cart code, the price of the product is calculated using the product code,
Transmitting the calculated price of the product and the token information to the payment server,
The kiosk,
Means of acquisition, means of transmission, means of reception, means of input, and means of provision are provided;
The acquisition means obtains information of the payment card,
The transmitting means transmits the payment card information to the payment server,
The receiving means receives token information from the payment server in response to providing information of the payment card,
The input means receives the terminal information of the user who provided the payment card information to the acquisition means,
The providing means provides the token information to the first acquisition unit and provides the terminal information to the second acquisition unit,
The entrance gate is,
Operates in one of a first mode that physically allows the user's entry, and a second mode that restricts the user's entry,
Basically, it operates in the second mode, and operates in the first mode only when the admission code output from the terminal is recognized,
The exit gate is,
A first detection means for detecting the shopping cart code, a second detection means for detecting the product code, and a classification means for distinguishing a plurality of users are provided,
The above means of distinction are:
The specific shopping cart code given to a specific user and the product code of the specific product purchased by the specific user are matched, but the origin of the specific product code and the closest shopping cart code are tied together, so that the specific product is not available to any of the different users. To distinguish whether it belongs to the user,
The payment department,
Transmitting specific token information linked to the specific shopping cart code and the product code of the specific product to the payment server,
The token information is,
Generated by the payment server based on the information of the payment card,
It is stored in the payment server or the management server for a preset time, and the stored token information is used to pay for the product when the user leaves the store,
Within the preset time, the user who has left the store can re-enter the store using the previously issued entry code,
When the user enters the store, the storage time flow of the stored token information is paused, and when the user leaves the store, the storage time flow of the stored token information is played again and the storage time is deducted,
The shopping cart code is,
A payment device that is identical to the above entry code or is an RFID tag installed on the cart.
delete delete delete delete delete delete delete delete In a payment method performed by a payment device including a management server, kiosk, entry gate, and exit gate,
Obtaining token information of the user's payment card from a payment server that pays for the product price of the store or a kiosk installed around the store;
Obtaining the user's terminal information;
When the token information is obtained, transmitting an entry code to the user's terminal; and
Obtaining specific token information and the product code of a specific product linked to the shopping cart code from the exit gate, and transmitting the specific token information and the product code of the specific product to the payment server,
The token information is,
It is stored in the payment server or the management server for a preset time, and the stored token information is used to pay for the product when the user leaves the store,
Within the preset time, the user who has left the store can re-enter the store using the previously issued entry code,
When the user enters the store, the storage time flow of the stored token information is paused, and when the user leaves the store, the storage time flow of the stored token information is played again and the storage time is deducted,
The shopping cart code is,
It is the same as the above entry code or an RFID tag installed on the cart,
In the step of transmitting the specific token information and the product code of the specific product to the payment server,
The exit gate matches the specific shopping cart code given to a specific user and the product code of the specific product purchased by the specific user, but ties the origin of the specific product code and the origin of the closest shopping cart code into one, so that the specific product is To distinguish which user belongs to which of the different users,
Payment methods including.