KR102627327B1 - User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon - Google Patents

Abstract

The present invention discloses a user device, a service provision device, a POS terminal, a payment system including the same, a control method thereof, and a recording medium on which a computer program is recorded. That is, the present invention provides one or more recommended payment cards and coupons that can be used at the current location of the user device, and when a preset diagonal manipulation input to the user device or physical movement of the user device is detected, the present invention provides one or more recommended payment cards and coupons that can be used at the current location of the user device. By changing the status of recommended payment cards and coupons, users can effectively select payment methods, improving user convenience and interest, and increasing users' satisfaction with payment method recommendations.

Description

User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon}

The present invention relates to a user device, a service provision device, a POS terminal, a payment system including the same, a control method thereof, and a recording medium on which a computer program is recorded. In particular, among a plurality of payment cards and coupons registered in the user device, the current user device In addition to providing one or more recommended payment cards and coupons available at the location, when a diagonal manipulation input to a preset user device or physical movement of the user device is detected, the status of providing recommended payment cards and coupons is changed according to such input or movement. It relates to a user device that allows a user to effectively select a payment method by changing it, a service provision device, a POS terminal, a payment system including the same, a control method thereof, and a recording medium on which a computer program is recorded.

When paying with one of the multiple credit cards registered on the user's device, a credit card with many benefits among the multiple credit cards is selected and presented to the user, and the user selects one of them to proceed with the payment. do.

This uniform recommendation card provision and payment method is difficult to reflect the diversification of recommendation methods, differences in user preferences, and changes in user convenience according to display status, thereby limiting user satisfaction.

Korean Patent Publication No. 10-2015-0022259 [Name: Mobile payment card recommendation method based on payment card usage location and past payment history and management server applying the same]

The purpose of the present invention is to provide one or more recommended payment cards and coupons that can be used at the current location of the user device among a plurality of payment cards and coupons registered in the user device, as well as to provide a diagonal movement of the user with respect to a preset user device or a user device. A user device, service provision device, POS terminal, payment system including the same, and its control that allow the user to effectively select a payment method by changing the recommended payment card and coupon provision status according to the movement when its own movement is detected. The purpose is to provide a recording medium on which methods and computer programs are recorded.

The user device according to an embodiment of the present invention communicates with the store's beacon to confirm store information where the user is located, detects input and physical movement for operation, displays the payment method for payment on the screen, and selects the payment method. A user device that performs a payment process using a beacon. When checking store information through a beacon, at least one payment method available in the store is displayed on the screen so that it can be selected for payment, and when a diagonal manipulation input is detected, a diagonal manipulation direction is displayed. It may include a user device control unit that changes the screen in response to the screen and displays a selected payment method so that it can be selected, unlike the previous screen.

As an example related to the present invention, the user device control unit may select payment methods according to different payment method recommendation criteria and display them on the screen corresponding to the diagonal direction.

As an example related to the present invention, the user device control unit may detect a movement of the user device and, if the movement is set, remove from the screen a payment method that cannot be used in the store among payment methods displayed on the screen.

As an example related to the present invention, when selecting a payment method that cannot be selected at the store among payment methods displayed on the screen, the user device control unit may display a reason for not being able to select it while providing a screen effect different from the selectable payment method. .

The user device control unit according to an embodiment of the present invention may provide a disappearing effect using a fade-out function when removing a payment method that cannot be used in the store from the screen or an effect disappearing while moving the location.

The user device control unit according to an embodiment of the present invention selects payment methods according to the criteria of recommending at least one payment method among the lowest price, maximum benefit, achievement of credit card usage amount, newly available payment method, and unreceived coupon, and diagonally selects the payment method. It can be displayed on the screen corresponding to the direction.

The control method of a user device according to an embodiment of the present invention includes the steps of receiving unique identification information of a beacon transmitted from a beacon provided in a store through a user device communication unit and transmitting it to a service providing device along with the identification information of the user device. ; Receiving, through the user device communication unit, information on a plurality of recommended payment methods corresponding to the store among a plurality of payment methods issued to the user device from the service providing device; Displaying a plurality of payment methods stored in the user device storage through the user device display unit; And when the user's diagonal operation input is detected through the user device control unit, the screen is switched in response to the diagonal operation direction and at least some of the received recommended payment method information is selected and matched to each screen. It may include a display step.

As an example related to the present invention, when the movement of the user device set through the motion recognition sensor unit is detected, the user device control unit selects one or more payment methods that cannot be used in the store among the payment methods displayed on the user device display to preset the effect. The step of controlling the user device display unit to disappear from the screen may be further included.

As an example related to the present invention, when one payment card is selected from at least one payment card and coupon available at the store displayed on the user device display through the user device control unit, the selected payment is performed according to the user input. Receiving a PIN number corresponding to the card; And it may further include transmitting information about the selected payment card, a PIN number corresponding to the payment card, and identification information of the user device to the service providing device through the user device communication unit.

A computer program for performing the method according to the above-described embodiment may be stored in a recording medium on which the computer program according to the embodiment of the present invention is recorded.

The present invention provides one or more recommended payment cards and coupons that can be used at the current location of the user device among a plurality of payment cards and coupons registered in the user device, as well as different recommendation results according to the user's diagonal movement with respect to the preset user device. When movement of the screen or the user's device itself is detected, it allows the user to effectively select a payment method by leaving only the payment card or coupon that can be used according to this movement, thereby improving the user's convenience and interest, and improving the user's payment It has the effect of increasing satisfaction with method recommendation.

1 is a block diagram showing the configuration of a payment system according to an embodiment of the present invention.
Figure 2 is a block diagram showing the configuration of a user device according to an embodiment of the present invention.
Figure 3 is a block diagram showing the configuration of a payment system according to another embodiment of the present invention.
Figure 4 is a block diagram showing the configuration of a user device according to another embodiment of the present invention.
5 to 6 are flowcharts showing a control method of a payment system according to the first embodiment of the present invention.
Figure 7 is a diagram showing a screen of a user device according to an embodiment of the present invention.
8 to 9 are flowcharts showing a control method of a payment system according to a second embodiment of the present invention.
10 to 13 are diagrams showing the screen of a user device according to an embodiment of the present invention.

It should be noted that the technical terms used in the present invention are only used to describe specific embodiments and are not intended to limit the present invention. In addition, the technical terms used in the present invention, unless specifically defined in a different sense in the present invention, should be interpreted as meanings generally understood by those skilled in the art in the technical field to which the present invention pertains, and are not overly comprehensive. It should not be interpreted in a literal or excessively reduced sense. Additionally, if the technical terms used in the present invention are incorrect technical terms that do not accurately express the idea of the present invention, they should be replaced with technical terms that can be correctly understood by those skilled in the art. In addition, general terms used in the present invention should be interpreted according to the definition in the dictionary or according to the context, and should not be interpreted in an excessively reduced sense.

Additionally, as used in the present invention, singular expressions include plural expressions unless the context clearly dictates otherwise. In the present invention, terms such as “consists of” or “comprises” should not be construed as necessarily including all of the various components or steps described in the invention, and some of the components or steps may not be included. It may be possible, or it should be interpreted as being able to further include additional components or steps.

Additionally, terms containing ordinal numbers, such as first, second, etc., used in the present invention may be used to describe constituent elements, but the constituent elements should not be limited by the terms. Terms are used only to distinguish one component from another. For example, a first component may be named a second component without departing from the scope of the present invention, and similarly, the second component may also be named a first component.

Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the attached drawings. However, identical or similar components will be assigned the same reference numbers regardless of the reference numerals, and duplicate descriptions thereof will be omitted.

Additionally, when describing the present invention, if it is determined that a detailed description of related known technologies may obscure the gist of the present invention, the detailed description will be omitted. In addition, it should be noted that the attached drawings are only intended to facilitate easy understanding of the spirit of the present invention, and should not be construed as limiting the spirit of the present invention by the attached drawings.

In particular, in explaining the present invention, a payment card includes a payment method that has a payment function or a discount function, such as a credit card, check card, point card, or membership card, and a coupon includes a discount coupon, a gift coupon, They are collectively referred to as coupons such as purchase coupons, service coupons, etc., or encompass semantically identical components.

Figure 1 is a block diagram showing the configuration of a payment system 10 according to an embodiment of the present invention.

As shown in FIG. 1, the payment system 10 consists of a user device 100, a beacon 200, a service providing device 300, a POS terminal 400, and a payment server 500. Not all of the components of the payment system 10 shown in FIG. 1 are essential components, and the payment system 10 may be implemented with more components than those shown in FIG. 1, or fewer components. The payment system 10 may also be implemented by .

The user device 100 may be a smart phone, a portable terminal, a mobile terminal, a personal digital assistant (PDA), a portable multimedia player (PMP) terminal, or a telematics device. Terminal, navigation terminal, personal computer, laptop computer, Slate PC, Tablet PC, ultrabook, wearable device (e.g., watch type) Terminal (Smartwatch), glass-type terminal (Smart Glass), HMD (Head Mounted Display), etc.), Wibro terminal, IPTV (Internet Protocol Television) terminal, smart TV, digital broadcasting terminal, television, 3D It can be applied to various terminals such as televisions, home theater systems, AVN (Audio Video Navigation) terminals, A/V (Audio/Video) systems, and flexible terminals.

As shown in FIG. 2, the user device 100 includes a user device communication unit 110, a user device storage unit 120, a user device display unit 130, a user device voice output unit 140, and a user device control unit 150. ) is composed of. Not all of the components of the user device 100 shown in FIG. 2 are essential components, and the user device 100 may be implemented with more components than those shown in FIG. 2, or fewer components. The user device 100 may also be implemented by .

The user device communication unit 110 communicates with any internal component or at least one external terminal through a wired/wireless communication network. At this time, any external terminal may include a beacon 200, a service providing device 300, a POS terminal 400, a payment server 500, etc. Here, wireless Internet technologies include Wireless LAN (WLAN), DLNA (Digital Living Network Alliance), Wibro (Wireless Broadband: Wibro), Wimax (World Interoperability for Microwave Access: Wimax), and HSDPA (High Speed Downlink Packet Access). ), HSUPA (High Speed Uplink Packet Access), IEEE 802.16, Long Term Evolution (LTE), LTE-A (Long Term Evolution-Advanced), Wireless Mobile Broadband Service (WMBS), etc. There is a user device communication unit 110 that transmits and receives data according to at least one wireless Internet technology, including Internet technologies not listed above. In addition, short-range communication technologies include Bluetooth, RFID (Radio Frequency Identification), Infrared Data Association (IrDA), UWB (Ultra Wideband), ZigBee, and Near Field Communication (NFC). , Ultrasound Communication (USC), Visible Light Communication (VLC), Wi-Fi, Wi-Fi Direct, etc. may be included. Additionally, wired communication technologies may include Power Line Communication (PLC), USB communication, Ethernet, serial communication, optical/coaxial cables, etc.

Additionally, the user device communication unit 110 can transmit information to and from any terminal through a universal serial bus (USB).

In addition, the user device communication unit 110 supports technical standards or communication methods for mobile communication (e.g., Global System for Mobile communication (GSM), Code Division Multi Access (CDMA), Code Division Multi Access 2000 (CDMA2000), EV-DO (Enhanced Voice-Data Optimized or Enhanced Voice-Data Only), WCDMA (Wideband CDMA), HSDPA (High Speed Downlink Packet Access), HSUPA (High Speed Uplink Packet Access), LTE (Long Term Evolution), LTE- Wireless signals are transmitted and received with a base station, beacon 200, service providing device 300, POS terminal 400, payment server 500, etc. on a mobile communication network built according to A (Long Term Evolution-Advanced), etc.).

In addition, the user device communication unit 110 is controlled by the user device control unit 150, and the identification information of the beacon 200 (or the unique identification information of the store equipped with the beacon 200) is transmitted from the beacon 200. ) is received.

The user device storage unit 120 stores various user interfaces (UI), graphic user interfaces (GUI), etc.

Additionally, the user device storage unit 120 stores data and programs necessary for the user device 100 to operate.

That is, the user device storage unit 120 may store a plurality of application programs (application programs or applications) running on the user device 100, data for operating the user device 100, and commands. At least some of these applications may be downloaded from an external service providing device through wireless communication. Additionally, at least some of these applications may be present on the user device 100 from the time of shipment for the basic functions of the user device 100 (e.g., call incoming and outgoing functions, message receiving and sending functions). Meanwhile, the application program is stored in the user device storage unit 120, installed on the user device 100, and driven by the user device control unit 150 to perform the operation (or function) of the user device 100. there is.

In addition, the user device storage unit 120 includes flash memory type, hard disk type, multimedia card micro type, and card type memory (for example, SD or XD memory, etc.), magnetic memory, magnetic disk, optical disk, RAM (Random Access Memory), SRAM (Static Random Access Memory), ROM (Read-Only Memory: ROM), EEPROM (Electrically Erasable Programmable Read-Only Memory) , and may include at least one storage medium among PROM (Programmable Read-Only Memory). Additionally, the user device 100 may operate web storage that performs a storage function of the user device storage unit 120 on the Internet, or may operate in relation to web storage.

In addition, the user device storage unit 120 stores the identification information of the corresponding beacon 200 (or the store equipped with the corresponding beacon 200) received through the user device communication unit 110 under the control of the user device control unit 150. unique identification information).

The user device display unit 130 may display various contents, such as various menu screens, using the user interface and/or graphic user interface stored in the user device storage unit 120 under the control of the user device control unit 150. Here, the content displayed on the user device display unit 130 includes various text or image data (including various information data) and a menu screen including data such as icons, list menus, and combo boxes. Additionally, the user device display unit 130 may be a touch screen.

In addition, the user device display unit 130 includes a liquid crystal display (LCD), a thin film transistor-liquid crystal display (TFT LCD), an organic light-emitting diode (OLED), and a flexible display. It may include at least one of a flexible display, a 3D display, an e-ink display, and a light emitting diode (LED).

Additionally, the user device display unit 130 may be configured as a stereoscopic display unit that displays a stereoscopic image.

A three-dimensional display method such as a stereoscopic method (glasses method), an autostereoscopic method (glasses-free method), or a projection method (holographic method) may be applied to the three-dimensional display unit.

In addition, the user device display unit 130 displays the identification information of the beacon 200 (or the unique information of the store equipped with the beacon 200) received through the user device communication unit 110 under the control of the user device control unit 150. identification information).

The user device voice output unit 140 outputs voice information included in a signal processed by the user device control unit 150. Here, the user device audio output unit 140 may include a receiver, speaker, buzzer, etc.

Additionally, the user device voice output unit 140 outputs a guidance voice generated by the user device control unit 150.

In addition, the user device voice output unit 140 receives the identification information of the beacon 200 (or the unique information of the store equipped with the beacon 200) received through the communication unit 110 under the control of the user device control unit 150. Outputs voice information corresponding to identification information).

The user device control unit 150 performs overall control functions of the user device 100.

Additionally, the user device control unit 150 executes overall control functions of the user device 100 using programs and data stored in the user device storage unit 120. The user device control unit 150 may include RAM, ROM, CPU, GPU, and a bus, and the RAM, ROM, CPU, GPU, etc. may be connected to each other through a bus. The CPU can access the user device storage unit 120 and perform booting using the O/S stored in the user device storage unit 120, and various programs, content, and data stored in the user device storage unit 120. You can perform various operations using the etc.

In addition, the user device control unit 150 performs a membership registration procedure for the user of the corresponding user device 100 by linking with the service providing device 300.

In addition, when performing the membership registration process, the user device control unit 150 must complete the authentication function through an identity authentication method (including mobile phone, credit card, i-PIN, email, etc.) to register the member for the service provision device 300. You can complete the registration process normally.

In addition, when a user carrying the user device 100 enters the store, the user device control unit 150 provides identification information of the beacon 200 transmitted from the beacon 200 (or information provided with the beacon 200). The user device communication unit 110 is controlled to receive unique identification information of the store.

In addition, the user device control unit 150 transmits the unique identification information of the received beacon 200 (or the unique identification information of the store equipped with the beacon 200), the identification information of the user device 100, etc. to the user device communication unit ( It is transmitted to the service providing device 300 through 110). Here, the identification information of the user device 100 includes MDN (Mobile Directory Number), mobile IP, mobile MAC, SIM (subscriber identity module) card unique information, serial number, etc.

In addition, if the user of the user device control unit 150 is not a member pre-registered in the service provision device 300, the user device control unit 150 provides guidance information related to membership registration provided by the service provision device 300. Based on this, a membership registration procedure is performed for the corresponding user device 100 (or the user of the corresponding user device 100).

In addition, if the user of the user device control unit 150 is a member pre-registered in the service providing device 300, the user device control unit 150 may provide the unique identification information of the transmitted beacon 200 (or the corresponding beacon 200). The user device communication unit 110 transmits one or more advertising information, one or more benefit information, a recommended card list, etc. transmitted from the service providing device 300 in response to the unique identification information of the store provided (unique identification information), identification information of the user device 100, etc. ) is received through. Here, benefit information includes coupon information, membership benefit information, discount benefit information, etc. Additionally, the recommended card list includes one or more cards to which the benefit information can be applied among a plurality of cards (or one or more cards) previously issued to the user device 100.

Additionally, the user device control unit 150 outputs one or more received advertisement information, benefit information, recommended card or coupon lists, etc. through the user device display unit 130 and/or the user device audio output unit 140.

In addition, the user device control unit 150 confirms one payment card (or unique identification information of the payment card) selected from a plurality of payment cards registered (or issued) to a specific app pre-installed on the user device 100. do.

Additionally, the user device control unit 150 may check the payment card selected from the recommended card or coupon list transmitted from the service providing device 300.

In addition, the user device control unit 150 selects one or more payment cards to which the benefit information can be applied among a plurality of payment cards pre-registered in the user device 100 based on one or more benefit information provided from the service providing device 300. A corresponding recommendation card list containing a may be generated, and the generated recommendation card list may be displayed on the user device display unit 130. Additionally, it is possible to check one payment card selected from the list of recommended cards displayed on the user device display unit 130.

In particular, in an embodiment of the present invention, the user device control unit 150 performs a specific input operation by the user through an input unit (not shown) (e.g., a touch using a diagonal movement (drag/sliding/swipe) that is not generally used for screen switching). Provides recommended payment information, preferred payment information, payment information for new subscriptions, or collectible coupon information according to various types of different recommendation methods without leaving the environment where recommended payment information (card or coupon list) is provided according to the input). It allows you to select the desired payment method by easily moving to the screen, and in case of a payment method that cannot be selected at the current location, the expression or motion effect is different from the payment method that can be selected, or gesture recognition that detects the physical movement of the user's device. By allowing only the payment methods that can be selected by the user's movement according to the detection result of the sensor unit (not shown) to remain, the user can check the type of recommended result desired at the stage where the payment method recommendation result screen is provided and actually select the recommended result from among the recommended results. Allows you to conveniently select and select payment methods. Switching between these recommended payment method providing screens or displaying the payment method may be performed in the user device control unit 150, but may also be performed in the user device display unit 130 that includes a screen control function.

Additionally, the user device control unit 150 receives a PIN number (personal identification number) according to user input through a specific app pre-installed on the user device 100. Here, the PIN number may be a PIN number corresponding to the confirmed payment card type.

In addition, the user device control unit 150 transmits the confirmed payment card type (or unique identification information of the payment card), PIN number, and identification information of the user device 100 to the service providing device 300 through the user device communication unit 110. ) is sent to

Additionally, the user device control unit 150 receives a token transmitted from the service providing device 300 in response to the previously transmitted PIN number through the user device communication unit 110.

Additionally, the user device control unit 150 generates a barcode (or QR code (Quick Response code)) including the received token (or token information) and identification information of the user device 100.

Additionally, the user device control unit 150 stores the generated barcode (or QR code) in the user device storage unit 120.

In addition, when a preset payment method is selected through a specific app pre-installed on the user device 100, the user device control unit 150 provides barcode information (or QR code) corresponding to the previously generated barcode (or QR code). information) is transmitted to the POS terminal 400 through the user device communication unit 110. Here, barcode information corresponding to the barcode (or QR code information corresponding to the QR code) includes a token (or token information), identification information of the user device 100, etc. At this time, payment methods include cash payment, card payment, electronic payment, etc., and the preset method may be electronic payment.

As such, when the user device 100 and the POS terminal 400 are connected through wired/wireless communication, barcode information (or QR code information) can be transmitted from the user device 100 to the POS terminal 400.

In addition, if the user device 100 and the POS terminal 400 are not connected through wired/wireless communication, the user of the user device 100 may use a preset app through a specific app pre-installed on the user device 100. When a payment method is selected, a barcode (or QR code) displayed on the user device display unit 130 may be recognized (or scanned/tagged) by the POS terminal 400.

In addition, after the payment function is performed for one or more products to be paid for selected by the user of the user device 100 based on the previously transmitted barcode information (or QR code information), the user device control unit 150 The result of performing the payment function transmitted from the POS terminal 400 (or the service providing device 300) in response to the barcode information (or QR code information) is received through the user device communication unit 110.

Additionally, the user device control unit 150 outputs the received payment function performance result through the user device display unit 130 and/or the user device audio output unit 140.

Additionally, the user device 100 may further include an interface unit (not shown) that serves as an interface with all external devices connected to the user device 100. For example, the interface unit includes a wired/wireless headset port, an external charger port, a wired/wireless data port, a memory card port, a port for connecting a device equipped with an identification module, and audio I/O ( Input/Output) port, video I/O (Input/Output) port, earphone port, etc. Here, the identification module is a chip that stores various information for authenticating the use authority of the user device 100, including a user authentication module (UIM), a subscriber identity module (SIM), and a general user authentication. It may include a module (Universal Subscriber Identity Module: USIM), etc. Additionally, a device equipped with an identification module may be manufactured in a smart card format. Accordingly, the identification module can be connected to the user device 100 through a port. Such an interface unit receives data or power from an external device and transmits it to each component inside the user device 100, or transmits data inside the user device 100 to an external device.

In addition, when the user device 100 is connected to an external cradle, the interface unit becomes a path through which power from the cradle is supplied to the user device 100, or various command signals input from the cradle by the user are transmitted to the user device 100. It can be a passage to (100). Various command signals or corresponding power input from the cradle may be operated as signals for recognizing that the user device 100 is correctly mounted on the cradle.

In addition, the user device 100 includes an input unit ( (not shown) may further be included.

The input unit is a means for receiving at least one of the user's commands, selections, data, and information, and may include a plurality of input keys and function keys for receiving numeric or character information and setting various functions.

In addition, the input unit includes a key pad, dome switch, touch pad (static/capacitive), touch screen, jog wheel, jog switch, jog shuttle, and mouse. , a variety of devices such as a stylus pen and a touch pen may be used. In particular, when the user device display unit 130 is formed in the form of a touch screen, some or all of the input functions can be performed through the user device display unit 130. In an embodiment of the present invention, the touch screen is regarded as a basic user operation input device, and when checking various recommended payment information, switching screens, or selecting a payment method, drag, slide, swipe, short or long touch, multiple touches, etc. They can be differentiated and perform different functions. In particular, rarely used diagonal movements (for example, drag/slide/swipe) can be used to switch specific screens.

Additionally, each component (or module) of the user device 100 may be software stored in the memory (or user device storage unit 120) of the user device 100. The memory may be an internal memory of the user device 100, an external memory, or another type of storage device. Additionally, the memory may be non-volatile memory. Software stored on the memory may include a set of instructions that cause the user device 100 to perform a specific operation when executed.

The beacon 200 communicates with the user device 100, POS terminal 400, etc.

In addition, the beacon 200 receives store information related to the store equipped with the beacon 200, unique identification information of the store equipped with the beacon 200, etc. transmitted from the POS terminal 400.

Additionally, the beacon 200 broadcasts (or transmits) store information, identification information of the beacon 200 (or unique identification information of the store equipped with the beacon 200), etc.

The service providing device 300 communicates with the user device 100, POS terminal 400, payment server 500, etc.

In addition, the service providing device 300 includes a user device communication unit 110, a user device storage unit 120, a user device display unit 130, a user device voice output unit 140, and a user device included in the user device 100. The control unit 150 may include a communication unit (not shown), a storage unit (not shown), a display unit (not shown), a voice output unit (not shown), and a control unit (not shown) corresponding to each other.

In addition, the service providing device 300 performs a membership registration procedure for each user of the user device 100 by linking with the user device 100.

Additionally, the service providing device 300 receives unique identification information of the beacon 200, identification information of the user device 100, etc. transmitted from the user device 100.

In addition, the service provision device 300 determines that the user corresponding to the user device 100 is a member who has previously registered (or joined) the service provision device 300 based on the received identification information of the user device 100. Determine (or confirm) whether it is recognized or not.

As a result of judgment (or confirmation result), if the user corresponding to the corresponding user device 100 is not a member who has previously registered with the service providing device 300, the service providing device 300 sends guidance information related to membership registration to the user device. Send to (100).

Additionally, the service providing device 300 performs a membership registration procedure for the user device 100 (or a user of the user device 100) by linking with the user device 100.

In addition, as a result of judgment (or confirmation result), if the user corresponding to the corresponding user device 100 is a member who has previously registered with the service providing device 300, the service providing device 300 may use the previously received beacon 200 One or more advertisements that can be provided to the user device 100 at a store equipped with the beacon 200 among a plurality of advertisement information and a plurality of benefit information pre-stored based on the unique identification information and the identification information of the user device 100. Check information, information about one or more benefits, etc.

In addition, the service providing device 300 recommends one or more recommended cards to which the benefit information can be applied (or reflected) among a plurality of cards issued to the user device 100 based on one or more confirmed benefit information. Create a card list. Here, benefit information includes coupon information, membership benefit information, discount benefit information, etc.

In addition, the service providing device 300 provides a recommendation card list including one or more advertisement information, one or more benefit information, and one or more recommendation cards that can be provided to the user device 100 at a store equipped with the confirmed beacon 200. etc. are transmitted to the user device 100.

This recommended card list may be a list of payment methods according to various recommended methods, for example, based on the maximum benefit combining coupons or membership discounts and credit cards with high points accumulation, or based on the lowest price that results in the lowest payment amount. Or, it is based on the achievement of monthly credit card usage performance, or it is based on an unregistered credit card or membership card that has many benefits at the store and allows new sign-ups, or it is based on a coupon that can be used at the store but is not registered and has not been received. It may be a list of payment methods recommended according to various criteria, such as .

That is, if the user corresponding to the corresponding user device 100 is a member who has previously registered with the service providing device 300, the service providing device 300 selects the corresponding beacon ( 200) Check the store information corresponding to the unique identification information. In addition, the service providing device 300 confirms one or more advertisement information, benefit information, etc. that can be provided to the user device 100 at the store based on the confirmed store information and the received identification information of the user device 100. . Additionally, the service providing device 300 generates a recommended card list including one or more cards to which the benefit information can be applied among a plurality of cards (or one or more cards) previously issued to the user device 100. Additionally, the service providing device 300 transmits one or more confirmed advertisement information, one or more benefit information, and a generated recommendation card list to the user device 100.

Additionally, the service providing device 300 receives payment card type, PIN number, identification information of the user device 100, etc. transmitted from the user device 100.

Additionally, the service providing device 300 generates a token (or one-time token, token information, temporary token) corresponding to the received PIN number. Here, the token is a temporary token, is randomly generated in response to the PIN number, and may have a preset number of uses or a period of use. At this time, the service providing device 300 may generate a token corresponding to the received PIN number and payment card type.

Additionally, the service providing device 300 manages (or stores) the generated token in conjunction with the payment card type, PIN number, and identification information of the user device 100.

Additionally, the service providing device 300 transmits the generated token (or a token corresponding to the PIN number, a token corresponding to the PIN number and payment card type) to the user device 100.

In addition, the service providing device 300 uses a payment server 500 to perform an authentication function for the user before performing the payment function for the product in relation to one or more products to be paid for selected by the user of the user device 100. ) receives barcode information (or QR code information) transmitted from

In addition, the service providing device 300 determines whether the token in the barcode information (or QR code information) is valid based on the token in the received barcode information (or QR code information) and the identification information of the user device 100. do.

That is, the service providing device 300 includes the token in the received barcode information (or QR code information) and the identification information of the user device 100 within the identification information of the user device for each plurality of pre-stored (or pre-issued) tokens. Check whether the corresponding token and identification information of the user device are included (or present).

In this way, the service providing device 300 can verify the validity of the issued token.

As a result of confirmation, within the identification information of the user device for each of the plurality of tokens pre-stored in the service providing device 300, the token in the received barcode information (or QR code information) and the token corresponding to the identification information of the user device 100 and the user If identification information of the device is not included, that is, if the token in the received barcode information (or QR code information) is invalid, the service providing device 300 transmits authentication failure information to the payment server 500.

In addition, as a result of confirmation, within the identification information of the user device for each of the plurality of tokens pre-stored in the service providing device 300, the token in the received barcode information (or QR code information) and the token corresponding to the identification information of the user device 100 And if the identification information of the user device is included, that is, if the token in the received barcode information (or QR code information) is valid, the service providing device 300 is the user device in the received barcode information (or QR code information) ( Card information, user information, benefit information, etc. corresponding to the identification information of 100) are transmitted to the payment server 500. At this time, the service providing device 300 is a PIN managed in conjunction with the payment card type related to the valid token (or the corresponding payment card type/token confirmed based on the token previously generated corresponding to the PIN number and payment card type). Card information, user information, benefit information, etc. corresponding to the corresponding payment card type (identified based on the number, payment card type, and identification information of the user device)) may be transmitted to the payment server 500. Here, card information includes card number, expiration date, CVC (card verification code) number, user name, etc. Additionally, user information includes user name, date of birth, address, image, etc. Additionally, benefit information includes coupon information, membership benefit information, discount benefit information, etc.

That is, as a result of confirmation, if the token in the received barcode information (or QR code information) is valid, the service providing device 300 corresponds to the identification information of the user device 100 in the received barcode information (or QR code information). In relation to the user (or the corresponding user device 100), check the card information, user information, benefit information, etc. pre-stored in the service providing device 300, and make payment using the confirmed card information, user information, benefit information, etc. Transmitted to server 500. At this time, the service providing device 300 checks card information, user information, benefit information, etc. corresponding to the type of payment card previously transmitted from the user device 100, and makes payment using the confirmed card information, user information, benefit information, etc. It can also be transmitted to the server 500.

Additionally, the service providing device 300 receives payment function performance results (or payment information) transmitted from the payment server 500.

Additionally, the service providing device 300 stores the received payment function performance result in conjunction with the identification information of the corresponding user device 100.

Additionally, the service providing device 300 may transmit the received payment function performance result to the user device 100 corresponding to the identification information of the user device 100.

Additionally, the service providing device 300 may be implemented in the form of a web server, database server, proxy server, etc. In addition, the service providing device 300 may be equipped with a network load balancing mechanism or one or more of various software that allows the service providing device 300 to operate on the Internet or other networks, through which it can be converted into a computerized system. It can be implemented. Additionally, the network may be an http network, a private line, an intranet, or any other network. Furthermore, the service providing device 300 and the user device 100 may be connected through a secure network to prevent data from being attacked by hackers or other third parties. In addition, the service providing device 300 may include a plurality of database servers, and these database servers are implemented in such a way that they are separately connected to the service providing device 300 through any type of network connection, including a distributed database server architecture. It can be.

Additionally, a processor mounted on the user device 100 or the service providing device 300 according to the present invention can process program instructions for executing the method according to the present invention. In one implementation, the processor may be a single-threaded processor, and in another implementation, the processor may be a multi-threaded processor. Furthermore, this processor is capable of processing instructions stored in memory or a storage device.

The POS (Point of Sales) terminal 400 communicates with the user device 100, the beacon 200, the service provision device 300, the payment server 500, etc.

In addition, the POS terminal 400 includes a user device communication unit 110, a user device storage unit 120, a user device display unit 130, a user device voice output unit 140, and a user device control unit included in the user device 100. It may include a communication unit (not shown), a storage unit (not shown), a display unit (not shown), a voice output unit (not shown), and a control unit (not shown) corresponding to 150, respectively.

In addition, the POS terminal 400 transmits store information related to the store equipped with the beacon 200 (or the POS terminal), unique identification information of the store equipped with the beacon 200, etc. to the beacon 200. .

In addition, the POS terminal 400 scans one or more products to be paid (or products to be paid) selected by the user of the user device 100 (or recognizes the barcode attached to the product to be paid). .

Additionally, the POS terminal 400 displays product information about one or more scanned (or recognized) products to be paid. Here, product information includes product name, product unique code, unit price, quantity, amount, total amount, etc.

In addition, if the user device 100 and the POS terminal 400 are not connected through wired/wireless communication, the user of the user device 100 may use a preset app through a specific app pre-installed on the user device 100. When a payment method is selected, the POS terminal 400 recognizes (or scans/tags) a barcode (or QR code) displayed on the corresponding user device 100.

Additionally, the POS terminal 400 receives barcode information (or QR code information) transmitted from the user device 100.

Additionally, when the POS terminal 400 recognizes a barcode (or QR code) displayed on the user device 100, the POS terminal 400 checks the recognized barcode information (or QR code information).

Additionally, the POS terminal 400 displays or stores the received (or confirmed) barcode information (or QR code information).

In addition, the POS terminal 400 transmits one or more product information to be paid (or recognized product information to be paid), barcode information (or QR code information), identification information of the POS terminal 400, etc. to the payment server 500. do.

Additionally, the POS terminal 400 receives authentication failure information transmitted from the payment server 500 in response to barcode information (or QR code information) transmitted to the payment server 500.

Additionally, the POS terminal 400 displays the received authentication failure information.

Additionally, the POS terminal 400 may transmit the received authentication failure information to the user device 100.

In addition, just before performing the payment function for one or more products selected by the user of the corresponding user device 100 based on the barcode information (or QR code information) transmitted to the payment server 500, the POS terminal 400 makes the payment. User information transmitted from the server 500 is received. Here, the user information includes user name, date of birth, address, image, etc. related to the user corresponding to the identification information of the corresponding user device 100.

Additionally, the POS terminal 400 displays the received user information.

In addition, the user of the POS terminal 400 checks the image in the user information displayed on the POS terminal 400 and the user of the user device 100 who wishes to pay for the product, and then matches the image in the user information and the user device ( If the users of 100) match, the POS terminal 400 receives information indicating the user match according to the user input of the POS terminal 400.

Additionally, the POS terminal 400 transmits information indicating the received user match, identification information of the POS terminal 400, etc. to the payment server 500.

In addition, if the payment function for one or more products selected by the user of the corresponding user device 100 is normally performed based on the barcode information (or QR code information) transmitted to the payment server 500, the POS terminal 400 Receives the payment function performance result (or payment information) transmitted from the payment server 500 in response to the barcode information (or QR code information) transmitted to the payment server 500. Here, the payment function performance result (or payment information ) includes product name, product unique code, unit price, quantity, discount amount, coupon application, amount, total amount, payment date and time information, payment card type, etc.

Additionally, the POS terminal 400 transmits the received payment function performance result to the user device 100.

Additionally, the POS terminal 400 may output the received payment function performance results through printed matter such as a receipt.

The payment server 500 communicates with the user device 100, the service provision device 300, the POS terminal 400, etc.

In addition, the payment server 500 includes a user device communication unit 110, a user device storage unit 120, a user device display unit 130, a user device voice output unit 140, and a user device control unit included in the user device 100. It may include a communication unit (not shown), a storage unit (not shown), a display unit (not shown), a voice output unit (not shown), and a control unit (not shown) corresponding to 150, respectively.

In addition, the payment server 500 may include one or more product information to be paid (or recognized product information to be paid) transmitted from the POS terminal 400, barcode information (or QR code information), identification information of the POS terminal 400, etc. receives.

Additionally, the payment server 500 transmits the received barcode information (or QR code information) to the service providing device 300 in order to perform an authentication procedure related to the user device 100.

Additionally, if the token in the barcode information (or QR code information) transmitted to the service providing device 300 is invalid, the payment server 500 may use the barcode information (or QR code information) transmitted to the service providing device 300. In response, authentication failure information transmitted from the service providing device 300 is received.

Additionally, the payment server 500 transmits the received authentication failure information to the POS terminal 400.

Additionally, if the token in the barcode information (or QR code information) transmitted to the service providing device 300 is valid, the payment server 500 responds to the barcode information (or QR code information) transmitted to the service providing device 300. card information, user information, and benefit information transmitted from the service provision device 300 (or card information, user information, and benefit information corresponding to the identification information of the user device 100 in the corresponding barcode information (or QR code information)) Receive etc.

Additionally, the payment server 500 performs a payment function for the payment amount corresponding to the one or more product information to be paid based on the received card information, user information, and benefit information. At this time, the payment server 500 provides benefits corresponding to the benefit information transmitted from the service providing device 300 (or benefit information applicable to the user of the corresponding user device 100) to the price information for one or more products to be paid. You can perform a payment function for the payment amount applied.

At this time, immediately before performing the payment function, the payment server 500 transmits user information transmitted from the service providing device 300 to the POS terminal 400.

In addition, if the image in the user information does not match the user of the user device 100 who wants to pay for the product, the payment server 500 transmits payment cancellation information for the one or more product information to the POS terminal 400. Alternatively, the payment function may be performed after performing an additional authentication process for the corresponding user device 100.

In addition, if the image in the user information matches the user of the user device 100 who wants to pay for the product, the payment server 500 receives the information from the POS terminal 400 in response to the user information transmitted to the POS terminal 400. Information indicating the transmitted user match, identification information of the POS terminal 400, etc. are received.

Additionally, the payment server 500 may perform a payment function for the payment amount corresponding to the one or more product information to be paid based on the received card information, user information, benefit information, and information representing the user match.

Additionally, the payment server 500 transmits the payment function performance result (or payment information) to the POS terminal 400, the service provision device 300, etc. Here, the payment function performance result (or payment information) includes product name, product unique code, unit price, quantity, discount amount, coupon application, amount, total amount, payment date and time information, payment card type, etc.

Figure 3 is a block diagram showing the configuration of the payment system 10 according to another embodiment of the present invention.

As shown in FIG. 3, the payment system 10 consists of a user device 100, a beacon 200, and a service providing device 300. Not all of the components of the payment system 10 shown in FIG. 3 are essential components, and the payment system 10 may be implemented with more components than those shown in FIG. 3, or fewer components than those shown in FIG. The payment system 10 may also be implemented by .

When the user device 100 enters the store, the user device 100 collects the unique identification information of the beacon 200, the location information of the user device 100, the identification information of the user device 100, etc. to the service providing device ( 300). Thereafter, the service providing device 300 selects the user device 100 from among a plurality of payment cards and/or coupons that have already been issued based on the unique identification information of the beacon 200, the location information of the user device 100, etc. Information about at least one payment card and/or coupon available at the store where the user device 100 is located is provided to the user device 100. Thereafter, while displaying a plurality of payment cards and/or coupons pre-registered on the user device 100, the user's input operation through the input unit of the user device 100 (e.g., a diagonal operation (drag) that is not generally used) Recommended payment information, preferred payment information, or payments that can be newly registered according to various types of different recommendation methods without leaving the environment where recommended payment information (card or coupon list) is provided according to (sliding/swiping) touch input) It is configured to provide a screen switching function so that you can easily move to a screen that provides information or collectible coupon information and select the desired payment method. In addition, while displaying a plurality of payment cards and/or coupons pre-registered on the user device 100, payment cards and/or coupons that can be used at the store where the user device 100 is currently located and payment cards and/or coupons that cannot be used Alternatively, it can be configured to have different expressions for coupons or operational effects for user input. In addition, when movement of the user device 100 is detected while displaying a plurality of payment cards and/or coupons pre-registered on the user device 100, the user device 100 is connected to the service provision device 300. It may be configured to display only at least one payment card and/or coupon that can be used in the store where the corresponding user device 100 is located, while the remaining payment cards and/or coupons disappear from the screen by a preset effect.

As shown in FIG. 4, the user device 100 includes a user device communication unit 110, a user device storage unit 120, a user device display unit 130, a user device voice output unit 140, and a user device control unit 150. ), a user device GPS receiver 160, and a motion recognition sensor unit 170.

The user device GPS receiver 160 receives a GPS signal transmitted from a satellite and generates (or generates/) location data of the user device 100 in real time based on the longitude and latitude coordinates included in the received GPS signal. check). Here, the generated location data is defined as the current location (or current location data) of the user device 100. Here, location information may be received not only through the user device GPS receiver 160 but also through Wi-Fi or Wibro communication.

In addition, the signal received through the user device GPS receiver 160 is 802.11, a wireless network standard for wireless LAN including wireless LAN and some infrared communications proposed by IEEE (Institute of Electrical and Electronics Engineers), and Bluetooth. , 802.15, a standard specification for wireless PAN (Personal Area Network) including UWB, ZigBee, etc., wireless MAN (Metropolitan Area Network) including fixed wireless access (FWA), etc., and broadband wireless access (Broadband) Wireless communications such as 802.16, a standard specification for Wireless Access: BWA, and 802.20, a standard specification for mobile Internet for wireless MAN (Mobile Broadband Wireless Access: MBWA), including Wibro, WiMAX, etc. The location information of the terminal can also be provided to the user device 100 using the method.

The motion recognition sensor 170 is provided at a predetermined location on the user device 100 and detects movement of the user device 100.

In addition, the motion recognition sensor unit 170 includes a sensor that recognizes the movement or location of an object, a geomagnetism sensor, an acceleration sensor, a gyro sensor, an inertial sensor, and an altimeter ( Altimeter) and vibration sensors, and may additionally include sensors related to motion recognition.

In addition, the motion recognition sensor unit 170 monitors the movement of the user device 100, for example, the tilted direction, tilt angle, and/or tilt speed, and up/down/left/right/diagonal directions of the user device 100. Information including the direction of vibration and/or the number of vibrations is sensed.

Additionally, the motion recognition sensor unit 170 detects information including clockwise/counterclockwise movement (or rotation) and/or the number of rotations of the user device 100.

Here, the sensed information (tilt direction, tilt angle and/or tilt speed, vibration direction and/or number of vibrations, clockwise/counterclockwise rotation and/or number of rotations) is generated through digital signal processing. It is digitized through, and the digitized information is transmitted to the user device control unit 150.

Additionally, the motion recognition sensor unit 170 may include one or more sensors for sensing at least one of information within the user device 100, information on the surrounding environment surrounding the user device 100, and user information. For example, the motion recognition sensor unit 170 includes a proximity sensor, an illumination sensor, a touch sensor, an acceleration sensor, a magnetic sensor, and a gravity sensor ( G-sensor, gyroscope sensor, motion sensor, inertial sensor, altimeter, vibration sensor, RGB sensor, infrared sensor, fingerprint recognition Finger scan sensor, ultrasonic sensor, optical sensor (e.g. camera), microphone, battery gauge, environmental sensor (e.g. barometer, hygrometer, It may include at least one of a thermometer, a radiation detection sensor, a heat detection sensor, a gas detection sensor, etc.), and a chemical sensor (e.g., an electronic nose, a healthcare sensor, a biometric sensor, etc.). Meanwhile, the user device 100 disclosed in this specification can utilize information sensed by at least two of these sensors by combining them.

When the user device 100 (or a user holding the user device 100) enters the store, the user device control unit 150 receives the identification information of the beacon 200 transmitted from the beacon 200 (or the beacon The user device communication unit 110 is controlled to receive (unique identification information of the store equipped with the beacon 200), benefit information provided by the store in relation to the store equipped with the beacon 200, store information, etc. Here, benefit information includes coupon information, membership benefit information, discount benefit information, etc. Additionally, store information includes store name, store location, store phone number, etc.

In addition, the user device control unit 150 displays the received benefit information, store information, etc. provided by the relevant store through the user device display unit 130 and/or the user device by an electronic wallet app, which is a specific app pre-installed on the user device 100. It is output through the audio output unit 140.

Additionally, the user device control unit 150 collects location information of the user device 100 and location information of one or more devices (not shown) around the user device 100. Here, devices include beacons, Wi-Fi devices, base stations, Internet access devices, etc.

That is, the user device control unit 150 confirms (or collects/generates) location information of the user device 100 through the GPS receiver 160.

In addition, the user device control unit 150 transmits the previously received unique identification information of the beacon 200, the confirmed location information of the user device 100, and the identification information of the user device 100 through the user device communication unit 110. Transmitted to the service provision device 300. Here, the identification information of the user device 100 includes MDN, mobile IP, mobile MAC, SIM (subscriber identification module) card unique information, serial number, etc.

In addition, the user device control unit 150 receives information from the service providing device 300 in response to the previously transmitted unique identification information of the beacon 200, the confirmed location information of the user device 100, and the identification information of the user device 100. Receives transmitted store information, at least one payment card and/or coupon usable at the store (or information about at least one payment card and/or coupon available at the store), etc.

In addition, the user device control unit 150 stores the received store information, at least one payment card and/or coupon usable at the store (or information about at least one payment card and/or coupon available at the store), etc. It is output through the user device display unit 130 and/or the user device audio output unit 140.

At this time, when displaying at least one payment card and/or coupon that can be used at the relevant store on the user device 100, the user device control unit 150 may use a card previously registered (or issued) in the user device storage unit 120. /Stored) Among the plurality of payment cards and/or coupons, sequentially display at least one payment card and/or coupon that can be used at the store where the user device 100 is located at the top of the screen of the user device display unit 130; , one or more payment cards and/or coupons that cannot be used at the store where the user device 100 is located are displayed on the screen of the user device display unit 130 in a deactivated state through the bounce back function and cannot be used. It is additionally indicated that

That is, the user device control unit 150 selects a plurality of payment cards and/or coupons pre-registered (or issued/stored) in the user device storage unit 120, which can be used at the store where the user device 100 is located. At least one payment card and/or coupon is sequentially displayed at the top of the screen of the user device display unit 130. In addition, the user device control unit 150 selects one or more payment cards and/or coupons that cannot be used at the store where the user device 100 is located, from among a plurality of payment cards and/or coupons pre-registered in the user device storage unit 120. A preset bounce back function is applied to the coupon and displayed in a deactivated state at one end of the screen of the user device display unit 130. At this time, the user device control unit 150 provides information indicating that one or more payment cards and/or coupons that cannot be used at the store where the user device 100 is located cannot be used at the store where the user device 100 is located. (or reason for unavailability) may be additionally indicated.

In addition, the user device control unit 150 displays a plurality of payment cards and/or coupons pre-registered in the user device 100, and operates the user's input through the input unit of the user device 100 (e.g., in general Recommended payment information or preferences according to various types of recommendation methods without leaving the environment where recommended payment information (card or coupon list) is provided according to unused diagonal operation (drag/sliding/swipe touch input) A screen switching function can be provided so that users can easily move to a screen that provides payment information, payment information for new subscriptions, or collectible coupon information and select the desired payment method. That is, when the user touches the screen and moves diagonally while displaying a basic recommended payment card and/or coupon, the screen displays recommended payment cards and/or coupons according to other recommendation methods, and the user's preferred payment card and/or coupon is displayed. You can switch the screen to one of the screens that display coupons, the screen that displays new payment cards that can sign up, or the screen that displays collectible coupons, and select the desired payment card and/or coupon from that screen. Through this, you can easily compare and understand the various types of recommended payment method information set by the user by moving the screen, rather than the recommended payment method information provided based on a single standard, and select the desired payment method. If necessary, you can sign up or collect a new payment method. You can proceed. In addition, when a preset movement of the user device 100 is detected through the motion recognition sensor 170, the user device control unit 150 receives at least one payment card available at the corresponding store and/ Or, among a plurality of payment cards and/or coupons pre-registered (or issued/stored) in the user device 100 that are displayed on the user device display unit 130 based on the coupon, the user device 100 Continuously displays only at least one payment card and/or coupon available at the location store, and displays the remaining payment cards and/or coupons (or a plurality of payment cards and/or coupons pre-registered on the user device 100) to the user. One or more payment cards and/or coupons that cannot be used at the store where the device 100 is located are configured (or controlled) to disappear from the screen of the user device display unit 130 by a preset effect (or function). Here, the preset movement of the user device 100 includes movement (or vibration) in the up/down direction of the user device 100, movement in the left/right direction of the user device 100, and movement of the user device 100 in the left/right direction. This includes movement in a diagonal direction, clockwise rotation of the user device 100, and counterclockwise rotation of the user device 100. In addition, the preset effect (or function) includes a disappearing effect due to a fade-out function in the corresponding user device 100, a disappearing effect due to a function falling from the screen of the corresponding user device 100, etc.

That is, in a state where a plurality of payment cards and/or coupons pre-registered (or issued/stored) in the user device 100 are displayed on the user device display unit 130, the motion recognition sensor When the movement of the preset user device 100 is detected through (170), the user device control unit 150 may use a plurality of payment cards pre-registered (or issued/stored) in the user device 100 and/or Among the coupons, only at least one payment card and/or coupon that can be used at the store where the user device 100 is located is left (or continues to be displayed on the user device display unit 130), and the remaining payment cards and/or coupons are stored in advance. A screen switching function is performed so that the screen is not displayed on the corresponding user device display unit 130 (or disappears from the screen of the user device display unit 130) according to the set effect (or function).

In addition, among at least one payment card and/or coupon available at the store where the user device 100 is located, which is displayed on the user device display unit 130 through a specific app (electronic wallet app) pre-installed on the user device 100. When one payment card is selected, the user device control unit 150 receives a PIN number corresponding to the selected payment card according to user input (or user selection).

In addition, the user device control unit 150 transmits information about the selected payment card, a PIN number corresponding to the payment card, and identification information of the user device 100 to the service providing device 300 through the user device communication unit 110. do.

The beacon 200 communicates with the user device 100, POS terminal 400, etc.

In addition, the beacon 200 receives store information, benefit information, and unique identification information of the store equipped with the beacon 200 transmitted from the POS terminal 400.

Additionally, the beacon 200 broadcasts (or transmits) store information, benefit information, identification information of the beacon 200 (or unique identification information of the store equipped with the beacon 200), etc.

The service providing device 300 communicates with the user device 100 and the like.

Additionally, the service providing device 300 receives unique identification information of the beacon 200, location information of the user device 100, identification information of the user device 100, etc. transmitted from the user device 100.

In addition, the service providing device 300 stores the unique identification information of the previously received beacon 200 (or the location information of the user device 100) among the store information for each identification information of the beacon (or store information for each location information) stored in advance. Check the corresponding store information.

In addition, the service providing device 300 selects at least one payment card and/or coupon usable at the store from among a plurality of payment cards and/or coupons issued to the user device 100 based on the confirmed store information. Confirm.

In addition, the service providing device 300 may include previously confirmed store information, at least one payment card and/or coupon usable at the confirmed store (or information about at least one payment card and/or coupon available at the store). ), etc. are transmitted to the user device 100.

Additionally, the service providing device 300 receives information about the payment card transmitted from the user device 100, a PIN number corresponding to the payment card, and identification information of the user device 100.

In addition, the service providing device 300 stores (or temporarily stores) information about the received payment card, a PIN number corresponding to the payment card, and identification information of the user device 100, and is in a standby state for simple payment ( or check-in status).

In addition, the service providing device 300 provides the user device 100, the POS terminal 400, and the payment service for one or more products to be paid (or payment products) selected by the user of the user device 100 to be purchased at the corresponding store. By linking with the server 500, a payment function for one or more products to be paid can be performed.

Hereinafter, the control method of the payment system according to the present invention will be described in detail with reference to FIGS. 1 to 11.

5 to 6 are flowcharts showing a control method of a payment system according to the first embodiment of the present invention.

First, when the user device 100 (or a user holding the user device 100) enters the store, the user device 100 receives unique identification information of the beacon 200 transmitted from the beacon 200. do. At this time, the user device 100 may receive the unique identification information of the beacon 200, as well as benefit information and store information provided by the store in relation to the store equipped with the beacon 200. Here, benefit information includes coupon information, membership benefit information, discount benefit information, etc. Additionally, store information includes store name, store location, store phone number, etc.

As an example, when a user carrying the user device 100 enters store A, the user device 100 receives the beacon 200 that is broadcast (or transmitted) from the beacon 200 provided in store A. Receiving identification information, etc. (S510).

Afterwards, the user device 100 checks the current location information of the user device 100.

That is, when the user device 100 receives unique identification information of the beacon 200 transmitted from the beacon 200, the user device 100 checks the current location information of the user device 100.

In addition, the user device 100 transmits the previously received unique identification information of the beacon 200, the confirmed location information of the user device 100, and the identification information of the user device 100 to the service providing device 300. . Here, the identification information of the user device 100 includes MDN, mobile IP, mobile MAC, SIM (subscriber identification module) card unique information, serial number, etc.

As an example, the user device 100 confirms the location information of the user device 100 corresponding to store A, which is the location where the user device 100 is located (or specific location information within a radius of 1 meter from the entrance door of store A). . In addition, the user device 100 includes unique identification information of the beacon 200, location information of the user device 100 (for example, GPS information corresponding to a radius of 1 meter from the entrance to store A), and identification of the user device 100. Information, etc. is transmitted to the service providing device 300 (S520).

Thereafter, the service providing device 300 receives unique identification information of the beacon 200, location information of the user device 100, identification information of the user device 100, etc. transmitted from the user device 100.

In addition, the service providing device 300 stores the unique identification information of the previously received beacon 200 (or the location information of the user device 100) among the store information for each identification information of the beacon (or store information for each location information) stored in advance. Check the corresponding store information.

As an example, the service providing device 300 may select previously received unique identification information of the beacon 200 and/or location information of the user device 100 from store information for each identification information of the beacon and/or store information for each location information stored in advance. Check store A information related to store A corresponding to (S530).

Thereafter, the service providing device 300 selects at least one payment card and/or coupon usable at the store from among the plurality of payment cards and/or coupons issued to the user device 100 based on the confirmed store information. Confirm.

In addition, the service providing device 300 may include previously confirmed store information, at least one payment card and/or coupon usable at the confirmed store (or information about at least one payment card and/or coupon available at the store). ) transmits the recommended list to the user device 100.

As an example, the service providing device 300 checks the AA payment card, CC payment card, and first discount coupon available at store A among the plurality of payment cards and/or coupons issued to the corresponding user device 100. . Additionally, the service providing device 300 transmits store A information, an AA payment card usable at store A, a CC payment card, and a first discount coupon to the user device 100 (S540).

Thereafter, the user device 100 transmits from the service providing device 300 in response to the previously transmitted unique identification information of the beacon 200, the confirmed location information of the user device 100, and the identification information of the user device 100. Store information, at least one payment card and/or coupon usable at the store (or information about at least one payment card and/or coupon available at the store), etc. are received.

Additionally, the user device 100 displays the received store information, at least one payment card and/or coupon available at the store (or information about at least one payment card and/or coupon available at the store), etc. do.

At this time, when at least one payment card and/or coupon that can be used at the corresponding store is displayed on the user device 100, the user device 100 may use a card previously registered (or issued/stored) on the user device 100. ) Among the plurality of payment cards and/or coupons, at least one payment card and/or coupon that can be used at the store where the user device 100 is located is sequentially displayed at the top, and at least one payment card and/or coupon that can be used at the store where the user device 100 is located is displayed at the top. One or more payment cards and/or coupons that cannot be used are marked as inactive and further marked as unusable through the bounce back feature.

That is, the user device 100 selects at least one payment card and/or coupon that is pre-registered (or issued/stored) in the user device 100 that can be used at the store where the user device 100 is located. Payment cards and/or coupons are displayed sequentially at the top. Thereafter, the user device 100 sequentially selects a plurality of payment cards and/or coupons pre-registered (or issued/stored) in the user device 100, which cannot be used at the store where the user device 100 is located. Apply a preset bounce back function to one or more payment cards and/or coupons. At this time, the user device 100 is provided with information indicating that the user device 100 cannot be used at the store where the user device 100 is located on one side of one or more payment cards and/or coupons that cannot be used at the store where the user device 100 is located ( or reasons for unavailability) may be displayed.

As an example, as shown in FIG. 7, the user device 100 uses an AA payment card, a BB payment card, a CC payment card, a DD payment card, an EE payment card, and a number of coupons pre-registered on the user device 100. Among them, the AA payment card, CC payment card, and first to third discount coupons available at store A where the user device 100 is located are sequentially displayed (710) (FIG. 7a), and the corresponding payment card or coupon is selected. In this case, details are displayed for payment (FIG. 7b), and a preset bounce back function is applied to BB payment cards, DD payment cards, EE payment cards, and coupons that cannot be used at store A where the user device 100 is located. While doing so, information indicating that it cannot be used at store A is displayed (720) (FIG. 7c) (S550).

Thereafter, any one of at least one payment card and/or coupon available at the store where the user device 100 is located is displayed on the user device 100 through a specific app (electronic wallet app) pre-installed on the user device 100. When one payment card is selected, the user device 100 receives a PIN number corresponding to the selected payment card according to user input (or user selection).

Additionally, the user device 100 transmits information about the selected payment card, a PIN number corresponding to the payment card, and identification information of the user device 100 to the service providing device 300.

For example, when an AA payment card is selected from among the AA payment card, CC payment card, and first discount coupon available at store A where the corresponding user device 100 shown in FIG. 7 is located, the user device 100 selects the selected AA The first PIN number (for example, 123456) corresponding to the payment card is received according to the user input. In addition, the user device 100 provides information about the AA payment card (or AA payment card/AA payment card type), first PIN number (for example, 123456), identification information of the user device 100, etc. to the service providing device. Transmit to (300) (S560).

Thereafter, the service providing device 300 receives information about the payment card transmitted from the user device 100, a PIN number corresponding to the payment card, and identification information of the user device 100.

Additionally, the service providing device 300 stores (or temporarily stores) information about the received payment card, a PIN number corresponding to the payment card, and identification information of the user device 100.

Accordingly, the service providing device 300 may maintain a standby state (or check-in state) for simple payment.

As an example, the service providing device 300 may include information about the AA payment card (or AA payment card/AA payment card type) transmitted from the user device 100, a first PIN number (for example, 123456), and a user device ( 100) receives identification information, etc., and maintains a check-in status for simple payment for the user device 100 (S570).

Thereafter, the POS terminal 400 scans the product to be paid (or recognizes the barcode attached to the product to be paid) for one or more products to be paid (or products to be paid) selected by the user of the user device 100. .

Additionally, the POS terminal 400 displays product information about one or more scanned (or recognized) products to be paid. Here, product information includes product name, product unique code, unit price, quantity, amount, total amount, etc.

As an example, the POS terminal 400 recognizes the barcode attached to the product selected by the user of the user device 100 and displays product information about the recognized product (S580).

Thereafter, the POS terminal 400 transmits one or more product information to be paid (or recognized product information to be paid), identification information of the POS terminal 400, identification information of the user device 100, etc. to the payment server 500. do.

As an example, the POS terminal 400 transmits product information about the recognized product, identification information of the POS terminal 400, and identification information of the user device 100 to the payment server 500 (S590).

Thereafter, the payment server 500 receives one or more product information to be paid (or recognized product information to be paid) transmitted from the POS terminal 400, identification information of the POS terminal 400, identification information of the user device 100, etc. receives.

Additionally, the payment server 500 transmits identification information of the user device 100 to the service providing device 300 in order to perform an authentication procedure related to the user device 100.

As an example, the payment server 500 receives product information about the product transmitted from the POS terminal 400, identification information of the POS terminal 400, identification information of the user device 100, and the received user device ( Identification information, etc. of 100) is transmitted to the service providing device 300 (S600).

Afterwards, the service providing device 300 receives the identification information of the user device 100 transmitted from the payment server 500.

In addition, the service providing device 300 provides information about the payment card (or payment card/payment card type) stored (or temporarily stored) in relation to the user device 100 based on the received identification information of the user device 100. ), check the PIN number (or the PIN number corresponding to the information on the payment card), etc.

In addition, the service provision device 300 may send card information, user information, benefit information, etc. corresponding to the identification information of the user device 100 and/or payment card information (or payment card/payment card type) to the payment server ( 500). Here, the card information includes the card number, expiration date, CVC number, user name, etc. for the card previously registered in the user device 100. Additionally, user information includes user name, date of birth, address, image, etc.

In other words, the service providing device 300 may provide information regarding the user device 100 (or the user device 100) corresponding to the identification information and/or information about the payment card (or payment card/payment card type). Card information, user information, benefit information, etc. previously stored in the service providing device 300 are checked, and the confirmed card information, user information, benefit information, etc. are transmitted to the payment server 500.

As an example, the service providing device 300 sends first card information, first user information, first benefit information, etc. corresponding to the identification information of the user device 100 and information about the AA payment card to the payment server 500. send.

In addition, the service providing device 300 corresponds to information about the payment card (or payment card/payment card type), PIN number (or information about the payment card) stored (or temporarily stored) in relation to the user device 100. Verifies (or performs an authentication procedure) the validity of the payment card issued to the user device 100 based on the PIN number, etc., and if the confirmation result (or the result of performing the authentication procedure) is that the payment card is valid, Card information, user information, benefit information, etc. corresponding to the payment card may be transmitted to the payment server 500 (S610).

Thereafter, the payment server 500 receives card information, user information, benefit information, etc. transmitted from the service providing device 300 in response to the previously transmitted identification information of the user device 100.

Additionally, the payment server 500 performs a payment function for the payment amount corresponding to the one or more product information to be paid based on the received card information, user information, and benefit information. At this time, the payment server 500 provides benefits corresponding to the benefit information transmitted from the service providing device 300 (or benefit information applicable to the user of the corresponding user device 100) to the price information for one or more products to be paid. You can perform a payment function for the payment amount applied.

As an example, the payment server 500 receives first card information, first user information, first benefit information, etc. transmitted from the service providing device 300 in response to the previously transmitted identification information of the user device 100, and , A payment function is performed for the payment amount by applying the benefit amount corresponding to the first benefit information for the product to be paid (S620).

Thereafter, the payment server 500 transmits the payment function performance result (or payment information) to the POS terminal 400, the service provision device 300, etc. Here, the payment function performance result (or payment information) includes product name, product unique code, unit price, quantity, discount amount, coupon application, amount, total amount, payment date and time information, payment card type, etc.

As an example, the payment server 500 transmits the result of performing the payment function for the product to the POS terminal 400, the service providing device 300, etc. (S630).

Afterwards, the POS terminal 400 receives the result of performing the payment function transmitted from the payment server 500.

Additionally, the POS terminal 400 transmits the received payment function performance result to the user device 100.

As an example, the POS terminal 400 transmits the result of performing the payment function for the received product to the user device 100.

Additionally, the POS terminal 400 may output the received payment function performance results through printed matter such as a receipt (S640).

Thereafter, the user device 100 receives a payment function performance result transmitted from the POS terminal 400 after the payment function for one or more previously selected products is normally performed.

Additionally, the user device 100 displays the received payment function performance results.

As an example, the user device 100 receives a result of performing a payment function for a previously selected product. Additionally, the user device 100 displays the result of performing the payment function through the electronic wallet app (S650).

8 to 9 are flowcharts showing a control method of a payment system according to a second embodiment of the present invention.

First, when the user device 100 (or a user holding the user device 100) enters the store, the user device 100 receives unique identification information of the beacon 200 transmitted from the beacon 200. do. At this time, the user device 100 may receive the unique identification information of the beacon 200, as well as benefit information and store information provided by the store in relation to the store equipped with the beacon 200. Here, benefit information includes coupon information, membership benefit information, discount benefit information, etc. Additionally, store information includes store name, store location, store phone number, etc.

As an example, when a user carrying the user device 100 enters store A, the user device 100 receives the beacon 200 that is broadcast (or transmitted) from the beacon 200 provided in store A. Receiving identification information, etc. (S810).

Afterwards, the user device 100 checks the current location information of the user device 100.

That is, when the user device 100 receives unique identification information of the beacon 200 transmitted from the beacon 200, the user device 100 checks the current location information of the user device 100.

In addition, the user device 100 transmits the previously received unique identification information of the beacon 200, the confirmed location information of the user device 100, and the identification information of the user device 100 to the service providing device 300. . Here, the identification information of the user device 100 includes MDN, mobile IP, mobile MAC, SIM (subscriber identification module) card unique information, serial number, etc.

As an example, the user device 100 confirms the location information of the user device 100 corresponding to store A, which is the location where the user device 100 is located (or specific location information within a radius of 1 meter from the entrance door of store A). . In addition, the user device 100 includes unique identification information of the beacon 200, location information of the user device 100 (for example, GPS information corresponding to a radius of 1 meter from the entrance to store A), and identification of the user device 100. Information, etc. is transmitted to the service providing device 300 (S820).

Thereafter, the service providing device 300 receives unique identification information of the beacon 200, location information of the user device 100, identification information of the user device 100, etc. transmitted from the user device 100.

In addition, the service providing device 300 stores the unique identification information of the previously received beacon 200 (or the location information of the user device 100) among the store information for each identification information of the beacon (or store information for each location information) stored in advance. Check the corresponding store information.

As an example, the service providing device 300 may select previously received unique identification information of the beacon 200 and/or location information of the user device 100 from store information for each identification information of the beacon and/or store information for each location information stored in advance. Check store A information related to store A corresponding to (S830).

Thereafter, the service providing device 300 selects at least one payment card and/or coupon usable at the store from among the plurality of payment cards and/or coupons issued to the user device 100 based on the confirmed store information. Confirm.

In addition, the service providing device 300 may include previously confirmed store information, at least one payment card and/or coupon usable at the confirmed store (or information about at least one payment card and/or coupon available at the store). ) and transmits recommended payment method information or new addable payment method information to the user device 100.

As an example, the service providing device 300 may recommend payment methods that can be used at store A and have the lowest price among a plurality of payment cards and/or coupons issued to the user device 100, such as AA payment card, CC payment card, In addition to checking each coupon, you can also check information about recommended payment methods based on different types of criteria, the user's preferred payment method, newly available payment methods, and unreceived coupons. Additionally, the service providing device 300 transmits confirmed recommended payment information, newly available payment method information, and unreceived coupon information to the user device 100 (S840).

Thereafter, the user device 100 transmits from the service providing device 300 in response to the previously transmitted unique identification information of the beacon 200, the confirmed location information of the user device 100, and the identification information of the user device 100. Information on available stores and payment method information according to various recommended methods available at the store are received and displayed.

The user device 100 displays some of this recommended payment method information, and in this display state, the user's input operation through the input unit of the user device 100 (e.g., a diagonal drag (sliding/swipe) method that is not generally used) Touch input), without leaving the environment where recommended payment information (card or coupon list) is provided, recommended payment information, preferred payment information, newly registered payment information, or collectible coupon information according to various types of recommendation methods. Switch screens so that you can easily navigate to the provided screens and select the desired payment method.

For example, as shown in FIGS. 10 and 11, the user device 100 displays a basic screen 700 in which usable payment cards and/or coupons that are set by default and unusable payment cards and/or coupons are provided. ), a screen 701 that displays the user's preferred cards among available payment methods according to the diagonal input operation information through the input unit of the user device 100, and a screen 701 that sorts payment methods to enable payment at the lowest price. Screen 702 according to Recommendation Method 1, screen 703 according to Recommendation Method 2, which provides sorted payment methods to obtain the most benefits, and Recommendation Method 3, which provides payment methods available for new subscriptions and unreceived coupons. The screen 704 can be displayed while switching, and the payment method selection state is maintained even when these screens are switched, allowing the user to easily select the desired payment method. When a user manipulates the screen diagonally downward from the basic screen, the basic screen 700 may be pushed out and a screen 701 displaying the user's preference card may appear, as shown in FIG. 11 .

Meanwhile, according to the movement of the user device 100, the user device 100 selects payment cards and/or coupons currently available in the store and payment cards and/or coupons that cannot be used in the store among the payment cards and/or coupons pre-registered in the user device 100. In order to more clearly distinguish cards and/or coupons, unusable payment cards and/or coupons may disappear with a specific effect according to the physical movement of the user device 100. As an example, shown in FIG. 10 As described above, the user device 100 displays (1000) the AA payment card, BB payment card, CC payment card, DD payment card, EE payment card, and a plurality of coupons pre-registered in the user device 100 ( S850).

Thereafter, when a preset movement of the user device 100 is detected, the user device 100 displays a display on the user device 100 based on at least one payment card and/or coupon available at the store previously received. Among the plurality of payment cards and/or coupons being used, only the payment cards and/or coupons available at the store where the user device 100 is located continue to be displayed, and the remaining payment cards and/or coupons (or the user device 100 ) Among a plurality of payment cards and/or coupons pre-registered in ), one or more payment cards and/or coupons that cannot be used at the store where the user device 100 is located may be used by the user device 100 by a preset effect (or function). ) to disappear from the screen. Here, the preset movement of the user device 100 includes movement (or vibration) in the up/down direction of the user device 100, movement in the left/right direction of the user device 100, and movement of the user device 100 in the left/right direction. This includes movement in a diagonal direction, clockwise rotation of the user device 100, and counterclockwise rotation of the user device 100. In addition, the preset effect (or function) includes a disappearing effect due to a fade-out function in the corresponding user device 100, a disappearing effect due to a function falling from the screen of the corresponding user device 100, etc.

For example, as shown in FIG. 11, the user device 100 displays AA payment cards, BB payment cards, CC payment cards, DD payment cards, EE payment cards, and multiple coupons pre-registered on the user device 100. In this state, when the user device 100 is turned over and shaken, which is a preset movement of the user device 100, the user device 100 detects the AA payment card or BB payment displayed on the user device 100. Among the cards, CC payment cards, DD payment cards, EE payment cards, and multiple coupons, only the AA payment card, CC payment card, and first to third discount coupons that can be used at store A where the user device 100 is located are kept intact (1010 ), and remove (1020) the remaining BB payment card, DD payment card, EE payment card, and remaining coupons that cannot be used at store A where the user device 100 is located, as if the card or coupon was falling from the wallet. A screen switching function is performed to disappear from the screen of the corresponding user device 100 by the effect (S860).

Thereafter, any one of at least one payment card and/or coupon available at the store where the user device 100 is located is displayed on the user device 100 through a specific app (electronic wallet app) pre-installed on the user device 100. When one payment card is selected, the user device 100 receives a PIN number corresponding to the selected payment card according to user input (or user selection).

Additionally, the user device 100 transmits information about the selected payment card, a PIN number corresponding to the payment card, and identification information of the user device 100 to the service providing device 300.

As an example, when a CC payment card is selected among AA payment cards, CC payment cards, and discount coupons available at store A where the user device 100 is located, the user device 100 may use a second payment card corresponding to the selected CC payment card. A PIN number (e.g. 987654) is received based on user input. In addition, the user device 100 provides information about the CC payment card (or CC payment card/CC payment card type), a second PIN number (e.g. 987654), identification information of the user device 100, etc. to the service providing device. Transmit to (300) (S870).

Thereafter, the service providing device 300 receives information about the payment card transmitted from the user device 100, a PIN number corresponding to the payment card, and identification information of the user device 100.

Additionally, the service providing device 300 stores (or temporarily stores) information about the received payment card, a PIN number corresponding to the payment card, and identification information of the user device 100.

Accordingly, the service providing device 300 may maintain a standby state (or check-in state) for simple payment.

As an example, the service providing device 300 may include information about the CC payment card (or CC payment card/CC payment card type) transmitted from the user device 100, a second PIN number (for example, 987654), and the user device ( 100) receives identification information, etc., and maintains a check-in status for simple payment for the user device 100 (S880).

Thereafter, the POS terminal 400 scans the product to be paid (or recognizes the barcode attached to the product to be paid) for one or more products to be paid (or products to be paid) selected by the user of the user device 100. .

Additionally, the POS terminal 400 displays product information about one or more scanned (or recognized) products to be paid. Here, product information includes product name, product unique code, unit price, quantity, amount, total amount, etc.

As an example, the POS terminal 400 recognizes the barcode attached to each product selected by the user of the user device 100 and displays product information about the recognized product (S890).

Thereafter, the POS terminal 400 transmits one or more product information to be paid (or recognized product information to be paid), identification information of the POS terminal 400, identification information of the user device 100, etc. to the payment server 500. do.

As an example, the POS terminal 400 transmits product information about the recognized product, identification information of the POS terminal 400, and identification information of the user device 100 to the payment server 500 (S900).

Thereafter, the payment server 500 receives one or more product information to be paid (or recognized product information to be paid) transmitted from the POS terminal 400, identification information of the POS terminal 400, identification information of the user device 100, etc. receives.

Additionally, the payment server 500 transmits identification information of the user device 100 to the service providing device 300 in order to perform an authentication procedure related to the user device 100.

As an example, the payment server 500 receives product information about the product transmitted from the POS terminal 400, identification information of the POS terminal 400, identification information of the user device 100, and the received user device ( Identification information, etc. (100) is transmitted to the service providing device 300 (S910).

Afterwards, the service providing device 300 receives the identification information of the user device 100 transmitted from the payment server 500.

In addition, the service providing device 300 provides information about the payment card (or payment card/payment card type) stored (or temporarily stored) in relation to the user device 100 based on the received identification information of the user device 100. ), check the PIN number (or the PIN number corresponding to the information on the payment card), etc.

In addition, the service provision device 300 may send card information, user information, benefit information, etc. corresponding to the identification information of the user device 100 and/or payment card information (or payment card/payment card type) to the payment server ( 500). Here, the card information includes the card number, expiration date, CVC number, user name, etc. for the card previously registered in the user device 100. Additionally, user information includes user name, date of birth, address, image, etc.

In other words, the service providing device 300 may provide information regarding the user device 100 (or the user device 100) corresponding to the identification information and/or information about the payment card (or payment card/payment card type). Card information, user information, benefit information, etc. previously stored in the service providing device 300 are checked, and the confirmed card information, user information, benefit information, etc. are transmitted to the payment server 500.

As an example, the service providing device 300 sends second card information, second user information, second benefit information, etc. corresponding to the identification information of the user device 100 and information about the CC payment card to the payment server 500. send.

In addition, the service providing device 300 corresponds to information about the payment card (or payment card/payment card type), PIN number (or information about the payment card) stored (or temporarily stored) in relation to the user device 100. Verifies (or performs an authentication procedure) the validity of the payment card issued to the user device 100 based on the PIN number, etc., and if the confirmation result (or the result of performing the authentication procedure) is that the payment card is valid, Card information, user information, benefit information, etc. corresponding to the payment card may be transmitted to the payment server 500 (S920).

Thereafter, the payment server 500 receives card information, user information, benefit information, etc. transmitted from the service providing device 300 in response to the previously transmitted identification information of the user device 100.

Additionally, the payment server 500 performs a payment function for the payment amount corresponding to the one or more product information to be paid based on the received card information, user information, and benefit information. At this time, the payment server 500 provides benefits corresponding to the benefit information transmitted from the service providing device 300 (or benefit information applicable to the user of the corresponding user device 100) to the price information for one or more products to be paid. You can perform a payment function for the payment amount applied.

As an example, the payment server 500 receives second card information, second user information, second benefit information, etc. transmitted from the service providing device 300 in response to the previously transmitted identification information of the user device 100, and , A payment function is performed for the payment amount by applying the benefit amount corresponding to the second benefit information for the product to be paid (S930).

Thereafter, the payment server 500 transmits the payment function performance result (or payment information) to the POS terminal 400, the service provision device 300, etc. Here, the payment function performance result (or payment information) includes product name, product unique code, unit price, quantity, discount amount, coupon application, amount, total amount, payment date and time information, payment card type, etc.

As an example, the payment server 500 transmits the result of performing the payment function for the product to the POS terminal 400, the service providing device 300, etc. (S940).

Afterwards, the POS terminal 400 receives the result of performing the payment function transmitted from the payment server 500.

Additionally, the POS terminal 400 transmits the received payment function performance result to the user device 100.

As an example, the POS terminal 400 transmits the result of performing the payment function for the received product to the user device 100.

Additionally, the POS terminal 400 may output the received payment function performance results through printed matter such as a receipt (S950).

Thereafter, the user device 100 receives a payment function performance result transmitted from the POS terminal 400 after the payment function for one or more previously selected products is normally performed.

Additionally, the user device 100 displays the received payment function performance results.

As an example, the user device 100 receives a result of performing a payment function for a previously selected product. Additionally, the user device 100 displays the result of performing the payment function through the electronic wallet app (S960).

The user device, service provision device, POS terminal, and payment system including the same according to an embodiment of the present invention can be written as a computer program, and the codes and code segments constituting the computer program can be easily written by a computer programmer in the field. can be inferred. In addition, the computer program is stored in computer readable media, and is read by a computer, user device, beacon, service provision device, POS terminal, payment server, etc. according to embodiments of the present invention. By being executed, a user device, a service provision device, a POS terminal, and a payment system including the same can be implemented.

Information storage media include magnetic recording media, optical recording media, and carrier wave media. The computer program implementing the user device, service providing device, POS terminal, and payment system including the same according to an embodiment of the present invention is stored and installed in the internal memory of the user device, beacon, service providing device, POS terminal, payment server, etc. It can be. Alternatively, an external memory such as a user device, a service providing device, a POS terminal, and a smart card storing and installing a computer program implementing a payment system including the user device according to an embodiment of the present invention may be connected to the user device, a beacon, or a service through an interface. It may be installed in provision devices, POS terminals, payment servers, etc.

As described above, an embodiment of the present invention provides only one or more payment cards and coupons available at the current location of the user device when a preset movement of the user device is detected among a plurality of payment cards and coupons registered to the user device. By providing the effect of disappearing while leaving the remaining payment cards and coupons, the user's convenience and interest can be improved, and the user's satisfaction with payment method recommendation can be increased.

The above-described content can be modified and modified by anyone skilled in the art without departing from the essential characteristics of the present invention. Accordingly, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention, but are for illustrative purposes, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be interpreted in accordance with the claims below, and all technical ideas within the equivalent scope should be construed as being included in the scope of rights of the present invention.

The present invention provides one or more recommended payment cards and coupons that can be used at the current location of the user device among a plurality of payment cards and coupons registered in the user device, as well as the diagonal movement of the user with respect to a preset user device or the user device itself. When movement is detected, the recommended payment card and coupon provision status are changed according to the movement, allowing the user to effectively select a payment method, improving user convenience and interest, and increasing the user's satisfaction with payment method recommendation. , can be widely used in the field of simple payment, advertising, service provision device field, user device field, POS terminal field, payment server field, payment card recommendation field, etc. The present invention provides a plurality of payment cards registered in the user device and Among the coupons, one or more recommended payment cards and coupons that can be used at the current location of the user's device are provided, and when the diagonal movement of the user relative to a preset user device or the movement of the user device itself is detected, recommended payment cards and coupons are provided according to such movement. By changing the coupon provision status, users can effectively select a payment method, improving user convenience and interest, and increasing users' satisfaction with payment method recommendations, which can be used in the fields of simple payment, advertising, service provision devices, It can be widely used in the user device field, POS terminal field, payment server field, payment card recommendation field, etc.

10: Payment system 100: User device
200: Beacon 300: Service provision device
400: POS terminal 500: Payment server
110: user device communication unit 120: user device storage unit
130: User device display unit 140: User device audio output unit
150: User device control unit 160: User device GPS receiver
170: Motion recognition sensor unit

Claims (10)

A user device that checks store information, detects input for operation and physical movement, displays a payment method for payment on the screen, and performs a payment process using the selected payment method,
When checking store information, at least one payment method available in the store is displayed on the screen so that one can select it for payment, and when a manipulation input is detected, the screen switches in response to the manipulation input and, unlike the previous screen, a selected payment method is selected. Includes a user device control unit that indicates that
The user device control unit detects movement of the user device, and when the set movement is detected, removes from the screen a payment method that cannot be used in the store among payment methods displayed on the screen, and when the manipulation input is detected, switches the screen to the preferred payment method. , among multiple payment method recommendation criteria including lowest price, maximum benefit, performance achievement for credit card usage amount, newly available payment method, and unreceived coupon, payment method recommendation criteria corresponding to the screen switched according to the above operation input. A payment method selected accordingly is selectably displayed on the screen switched according to the manipulation input, and when the manipulation input in the diagonal direction is detected while the basic screen including at least one payment method available in the store is displayed, A first screen providing one or more payment methods preferred by the user of the user device, a second screen providing a payment method that will obtain the lowest price, a third screen providing a payment method that will obtain the maximum benefit, and a credit. Multiple transitions including a fourth screen that provides one or more payment methods that need to achieve performance for the current month according to the card usage amount, a fifth screen that provides one or more payment methods that can be newly registered, and a sixth screen that provides unreceived coupons. A user device, characterized in that, among target screens, the switching target screen corresponding to the manipulation input is switched and displayed, and the plurality of switching target screens are switched and displayed whenever the manipulation input is detected. delete delete delete delete delete Receiving, through a user device communication unit, information on a plurality of recommended payment methods corresponding to a store among a plurality of payment methods issued to the user device from a service providing device;
Displaying a plurality of payment methods stored in the user device storage through the user device display unit; and
When the user's operation input is detected through the user device control unit, the screen is switched in response to the operation input, and each screen is displayed as the preferred payment method, lowest price, maximum benefit, credit card use among the plurality of recommended payment method information received. A step of selecting and matching at least some of the payment methods corresponding to the converted screen among the achievement of performance for the amount, new sign-up available payment methods, and unreceived coupons and displaying them for selection,
The step of displaying the plurality of payment methods includes, when the user device control unit detects movement of the user device set through the motion recognition sensor unit, at least one payment method that cannot be used in the store among the payment methods displayed on the user device display unit. Further comprising controlling the means to disappear from the screen of the user device display unit by a preset effect,
The step of displaying the selection as possible includes, when the manipulation input in the diagonal direction is detected while the basic screen including the plurality of payment methods is displayed through the user device control unit, one or more preferred by the user of the user device. The first screen provides payment method information, the second screen provides payment method information to obtain the lowest price, the third screen provides payment method information to obtain maximum benefits, and the current month's performance according to the amount used by the credit card. The above operation among a plurality of conversion target screens including a fourth screen providing information on one or more payment methods that need to be achieved, a fifth screen providing information on one or more payment methods that can be newly registered, and a sixth screen providing unreceived coupons. A method of controlling a user device, further comprising switching and displaying a switching target screen corresponding to an input, and switching and displaying the plurality of switching target screens whenever the manipulation input is detected. delete delete A recording medium on which a computer program for performing the method according to claim 7 is recorded.

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