KR20120076670A - System and method for code based settlement - Google Patents

Abstract

PURPOSE: A code based payment system and a service method thereof are provided to recognize an information code by a user terminal, thereby obtaining product information and providing a convenient payment service. CONSTITUTION: A code reading unit(111) reads an information code including product information and payment information. A code converting unit(112) converts the read information into data to be displayed on a display screen. A payment information generating unit(121) generates an available payment unit. A recommendation information generating unit(122) generates payment benefits of the available payment unit.

Description

Code-based payment system and its service method {SYSTEM AND METHOD FOR CODE BASED SETTLEMENT}

The present invention relates to an apparatus and method for recognizing product information and payment information using an information code and performing payment of goods.

More specifically, the present invention utilizes a two-dimensional barcode recognition technology such as a QR code to recognize product information by using a two-dimensional code displayed on flyers, newspapers, magazines, and other multimedia devices, and details the contents of a product discount or promotion. The present invention relates to a user terminal device and a service method that can be conveniently purchased through payment of a corresponding product after confirmation.

In the past, product promotion and product purchase were mainly performed off-line, but recently, various types of wired / wireless commerce services have been developed and commercialized due to the spread of wired and wireless Internet and the spread of smart phones.

In particular, with the proliferation of camera technology mounted on smartphones and user terminals, product promotion functions using QR codes are expanding. QR code is a matrix two-dimensional code developed by Denso Wave Co., Ltd. in 1994. It can store large amounts of data up to 2,953 bytes, print in a small space, and recognize 360 degrees in all directions. Therefore, it can have a variety of applications compared to the conventional one-dimensional barcode. In particular, QR code recognition technology can be used as a convenient marketing tool by allowing users to directly connect to the web by simply scanning a code without having to enter a long URL address inconveniently. It can be used as a highly available marketing tool that can connect online and offline by exposing advertising media to.

However, up to now, there are many cases of providing product promotion through QR code, but there is a lack of development of a system supporting the purchase and payment of the product.

The present invention has been made to solve the above problems, the present invention recognizes an information code including the product information, such as QR code, recommends a payment method that is advantageous and convenient to the user based on the user information and payment of goods It is an object to provide an apparatus and method for processing.

To this end, according to the first aspect of the present invention, an information code including product information and payment information is read, the read information is displayed, and the payment means determined based on the payment information and pre-stored user information is recommended, A payment system is provided that includes a user terminal configured to send a payment request, and a payment device that receives the payment request from the user terminal and performs payment processing.

According to a second aspect of the present invention, there is provided an electronic device comprising: a code reading unit which reads an information code including product information and payment information; A code converter which converts the information read by the code reader into data for display on a display screen; A payment information generation unit for generating a payment means usable among previously stored payment means based on the payment information; A recommendation information generation unit for generating and comparing payment benefits of the available payment means based on the payment information; And a communication unit which transmits a payment request to a payment device requesting payment using a payment means selected by the user.

According to a third aspect of the present invention, a payment service providing method used in a payment system including a user terminal and a payment device, the method comprising: photographing an information code by the user terminal; Reading the information code by the user terminal; Generating, by the user terminal, display information based on the information read from the information code; Extracting, by the user terminal, payment information from information read from the information code; Generating, by the user terminal, recommendation information by comparing payment benefits of payment methods available to the user based on the payment information; Transmitting, by the user terminal, a payment request to the payment device; And performing, by the payment apparatus, payment processing in response to the payment request from the user terminal.

According to a fourth aspect of the present invention, a payment service providing method used in a user terminal, the method comprising: photographing an information code; Reading the information code; Generating display information based on the information read from the information code; Extracting payment information from the information read from the information code; Determining a payment method available to a user based on the payment information; Comparing the payment benefits of the available payment means; Recommending a payment method based on a comparison of payment benefits of the available payment means; And transmitting a payment request to a payment device in response to the user selecting a payment method.

According to the present invention, using a user terminal to extract information with good discount rate and usability from the product information recognized from the information code, such as QR code, and recommends a card advantageous to the user in consideration of the information of the card possessed by each user It works.

In addition, according to the present invention, by recognizing the information code, such as QR code through the user terminal has the effect of providing in conjunction with the convenient payment service as well as product information acquisition.

In addition, according to the present invention, communication costs and network load due to network interworking can be reduced by acquiring payment-related user information directly in a user terminal without a connection with another server during product payment processing.

In addition, according to the present invention, product marketing promotion effect can be enhanced by linking product advertisement and product settlement using information code recognition technology such as QR code.

1 is a conceptual diagram showing the configuration of a product payment system according to an embodiment of the present invention.
2A is a diagram illustrating a screen on which product information is displayed on a user terminal according to an embodiment of the present invention.
2B is a diagram illustrating a screen displaying a payment method on a user terminal according to an embodiment of the present invention.
3 is a conceptual diagram illustrating a configuration of a user terminal according to an embodiment of the present invention.
4 is a flow chart showing a payment processing performed in the product payment system according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. The configuration of the present invention and the operation and effect thereof will be clearly understood through the following detailed description.

Prior to the detailed description of the present invention, the same components will be denoted by the same reference numerals even if they are displayed on different drawings, and the detailed description will be omitted when it is determined that the well-known configuration may obscure the gist of the present invention. do.

1 is a conceptual diagram showing the configuration of a product payment system according to an embodiment of the present invention.

Referring to FIG. 1, the product payment system includes a user terminal 100 including a code processor 110 and a payment processor 120, and a communication network 200 connecting the two with the payment device 300.

The user terminal 100 may include various types of user terminals capable of transmitting and receiving data through the communication network 200 and capturing codes. For example, the user terminal 100 includes various mobile communication terminals including a smart phone, PC, PDA, digital camera, web cam, fixed or mobile subscriber unit, or any other type of device operable in a wired or wireless environment. The user terminal 100 may communicate with the payment apparatus 300 through the communication network 200.

The user terminal 100 includes a code processor 110 for recognizing and processing the information code. The information code mentioned in the present invention is a large-capacity QR code capable of inserting various information, a two-dimensional code such as PDF417, DataMatrix, Maxicode, a color combination three-dimensional code such as a smart tag, and a code capable of accommodating a large amount of information. Ramen can be applied in various ways regardless of its kind, such as 1-dimensional, 2-dimensional code, 3-dimensional code.

The code processing unit 110 reads the information code photographed using a camera or the like and performs data conversion to display the read information on the display screen. The information thus read is displayed on the display screen of the user terminal 100 to provide various information related to the product.

The information code may include product information and payment information. For example, the product information may include a product name, a release date, an internet site, status information, a purchase site (URL information), a purchase review, and the like, but are not limited thereto.

In addition, the payment information may include price information, discount information, supportable payment means, and the like, but is not limited thereto. Here, the price information may include the purchase price and price change information of the product. In addition, the discount information may include discount coupons, free coupons, and promotional content information, and may be provided with a large amount of content such as a video by accessing the corresponding site through the address of the relevant web site indicated in the discount information. In addition, the payment methods that can be supported include information on all payment methods available at the time of purchase, including information on whether mobile credit card payment, general credit card payment, bank transfer payment, electronic coupon payment, and various point payments are possible. can do.

The payment processing unit 120 of the user terminal 100 extracts necessary user information based on the payment information obtained from the information code, and generates available payment means to be displayed on the display screen. The user terminal 100 previously stores user information including various credit card information, financial account information, electronic coupon possession information, various points of accumulation information, etc. possessed by the user. The user terminal 100 may retrieve credit card information, bank information, and telecommunication company information through an application program stored therein. That is, the credit card information, the bank information and the telecommunication company information of the user may be acquired and stored in association with the financial application program, the card company application program or the telecommunication company application program, and the information acquisition may be updated at appropriate intervals. Accordingly, communication cost and network load due to network interworking can be reduced by acquiring payment related user information directly in the user terminal without linking with another server during product payment processing.

For example, in the case of credit card information, the user further includes information such as the name of the credit card provider, the name of the owner, the card number, the expiration date, as well as the use history of the credit card, the limit amount, the amount used so far, and the monthly payment status. Personalized information can be provided. In addition, the check card may further include balance information and account number information in addition to the card information. In addition, the bank information may include a bank name, a branch name, an owner's name, an account number, and a balance. In addition, the carrier information may include the name of the carrier used, earned points and the like. Such payment information is very important for security, and may require an authorized certificate for identity verification for information interworking and retrieval.

The payment processing unit 120 generates payment means available to the user by matching the product payment information extracted from the information code with the user's credit card information, bank information and carrier information as described above. For example, it is possible to determine whether a user possesses a credit card, an account balance, a credit point, an electronic coupon, etc., to generate a payment method available to the user and display it on the display screen.

The payment processor 120 may extract and apply various discount information to estimate a payment amount, determine a payment method most advantageous to the user, and provide recommendation information to the user. To this end, the payment processing unit 120 generates various discount benefits of the payment means available to the user and performs a process of comparing them. In this case, in order to calculate a discounted discount when paying for the card, the payment amount that is settled when purchasing the current product is considered. In addition, in order to calculate the discount benefits according to the card use results, the card use records up to now, the total amount of card use, etc. may be considered.

The user may also enter preference information for the discount. For example, the discount preference preference information may include a preference for a discount rate, a reserve rate, a discount coupon, and the like. The payment processing unit 120 may recommend a payment method and a payment card in consideration of the discount preference of the user.

The user terminal 100 may determine and select a payment method based on the recommendation of the payment method. When the user presses the payment request icon on the screen of the user terminal 100, the payment request is sent to the payment device 300 through the communication network 200.

The communication network 200 includes various networks for providing wired and wireless communication to the user terminal 100 and the payment device 300. For example, the communication network 200 may include a wired internet network, a wireless data network connected through a mobile communication network (CDMA, WCDMA, WiBro, etc.), or an internet network connected through short-range communication. Specifically, the CDMA network may be connected to a data network through a PDSN (Packet Data Serving Node), and the W-CDMA network may be connected to a data network through a Gateway GPRS Support Node (GGSN). In addition, in an area such as a hot-spot that is accessible to an access point (AP), the Internet network may be connected through short-range communication such as Bluetooth or Wi-Fi.

Here, the Internet network is a network existing in the TCP / IP protocol and its upper layer, and includes HTTP (Hypertext Transfer Protocol), Telnet, File Transfer Protocol (FTP), Domain Name Server (DNS), Simple Mail Transfer Protocol (SMTP), Simple Network Management Protocol (SNMP), Network File Service (NFS), and Network Information Service (NIS).

The payment device 300 may include a payment processing server of a card company, a payment processing server of a bank, a payment processing server of a telecommunication company, etc., and may be a payment processing server of a service company that performs payment processing on the Internet. The payment device 300 receives a payment request from the user terminal 100 and performs a payment process using a processing server in the payment device 300.

2A illustrates a screen on which the user terminal 100 recognizes an information code and displays product information according to an embodiment of the present invention.

The user terminal 100 includes a camera 211 and a display screen 213 for photographing the information code 212. As shown in FIG. 2A, the information code 212 may be a one-dimensional barcode, a QR code, or a color code. When the information code 212 is photographed using the camera 211 of the user terminal 100, the user terminal 100 recognizes and reads the information code 212 and outputs the information stored in the information code to the display screen 213. do.

Referring to FIG. 2A, commodity information and payment information read through the information code 212 is displayed on the display screen 213. As the product information, a product name, a release date, an internet site, a product state, a purchase site, and the like can be displayed. As the payment information, price information, discount information, and the like may be displayed. Such product information and payment information may be connected to a related site URL address, and specific information may be obtained by accessing a related site through a shortcut icon 214.

In addition, after checking the product information and payment information, if the user wants to purchase the product, the user may press the payment icon 215. When the payment icon 215 is pressed, the available payment means are displayed on the display screen 213, as shown in FIG. 2B. Referring to FIG. 2B, mobile payment cards, credit cards, point payments, bank account transfers, and electronic coupons are displayed as payment methods. The display screen 213 may display only payment methods available to the user based on the user's credit card, bank account balance, earning points, electronic coupon status, and the like.

In addition, the user may be recommended a specific payment method according to the preference for the discount. For example, if the user prefers a discount rate benefit, the credit card having the highest discount rate may be recommended, and if the user prefers a credit rate benefit, the credit card having the highest point accumulation rate may be recommended. In addition, when the user prefers to pay points, the amount of points accumulated, the limit of use, and the expiration date may be displayed. In addition, when a user prefers an electronic coupon, the number of available electronic coupons, a coupon amount, and an expiration date may be displayed. The user may determine and select a payment method and proceed with payment according to the recommendation information.

3 is a conceptual diagram illustrating a configuration of a user terminal according to an embodiment of the present invention. Referring to FIG. 3, the user terminal 100 includes a code processing unit 110, a payment processing unit 120, a camera unit 130, a communication unit 140, an input unit 150, a display unit 160, and a storage unit 170. It includes.

The code processor 110 performs a function of recognizing and processing the information code 212, and includes a code reader 111 and a code converter 112. The code reading unit 111 reads out the information code photographed using the camera unit 130 or the like. The code reading unit 111 can read various kinds of one-dimensional and two-dimensional codes including a QR code. The code conversion unit 112 performs data conversion to display the read information on the display unit 160. The information read as described above is outputted through the display unit 160 of the user terminal 100.

The payment processing unit 120 extracts necessary user information based on the payment information obtained from the information code, generates payment methods to be displayed on the display unit 160, and the payment information generation unit 121 and the recommendation information generation unit 122. ). The payment information generation unit 121 generates available payment means among payment means previously stored in the user terminal based on the obtained payment information. The recommendation information generation unit 122 generates and compares payment benefits of available payment methods based on the obtained payment information. In addition, the recommendation information generation unit 122 may recommend a payment method and a payment card in consideration of the user's preference for discount benefits such as a discount rate, a reserve rate, a discount coupon, and the like.

The camera unit 130 may include a camera 211 formed on the front or rear of the user terminal 100 as a component for photographing the information code 212. The resolution level of the camera 211 should have a value sufficient to recognize the information code 212.

The communication unit 140 is a communication interface that allows the user terminal 100 to communicate with the payment device 300 through the communication network 200. The user terminal 100 may transmit a payment request to the payment device 300 through the communication unit 140. In addition, when payment processing is completed in the payment device 300, the payment completion report may be received through the communication unit 140.

The input unit 150 may be a component for user input and include a touch screen, a keypad, or a keyboard.

The display unit 160 is an image output unit for displaying various kinds of information, and may include a display screen 213 composed of LCD, PDP, OLED, and the like, but is not limited thereto.

The storage unit 170 stores user information including various credit card information, financial account information, electronic coupon possession information, various earning point information, etc. possessed by the user. The storage unit 170 may store card information about a card possessed by the user by the user's input. This card information may include information about the discount of each card possessed by the user.

The storage unit 170 may store a user's credit card information, bank information, and telecommunication company information acquired in conjunction with a financial application program, a card company application program, or a communication company application program. Such storage information may be stored in a card company, a financial institution, Information can be received from the carrier and updated at appropriate intervals. When the payment processing unit 120 extracts the recommendation information and the user information related to the payment processing, the user information stored in the storage unit 170 is searched and extracted.

The controller 180 is connected to other components in the user terminal 100 to control the functions of each component, and is responsible for interworking with each component.

4 is a flowchart illustrating a payment service providing method performed in a product payment system according to an exemplary embodiment of the present invention. The product payment system includes a user terminal 100 and a payment device 300, and the user terminal 100 and the payment device 300 are connected to each other via a wired or wireless connection through the communication network 200.

The user terminal 100 photographs the information code 212 using a camera mounted therein (S401).

Next, the user terminal 100 reads the photographed information code 212 (S402). At this time, it is also possible to read the information code previously photographed or the information code downloaded through the Internet. The information code includes information related to purchase and payment of goods, such as product information and payment information.

Next, the user terminal 100 generates display information to be displayed on the display screen by using the read information code 212 (S403). In this case, product information such as a product name, a release date, an internet site, a product state, a purchase site, and payment information such as price information and discount information may be displayed on the display screen 213.

Next, the user terminal 100 extracts payment information from the read information code 212 (S404). By comparing and searching the acquired payment information and the user information stored in the user terminal 100, a payment means available to the user at the time of product payment may be generated and displayed on the display screen 213.

Next, the user terminal 100 extracts various discount information obtained from the information code 212 and matches them with the user information to estimate the payment amount and determine the payment method most advantageous to the user, or The recommendation information is generated by recommending a specific payment method according to the preference (S405). The user terminal 100 may compare the payment benefits of the available payment methods to each other, and recommend the payment method having the greatest payment benefit to the user. In this case, a payment method and a payment card may be recommended in consideration of the user's preference for discount benefits such as a discount rate, a reserve rate, a discount coupon, and the like. The recommendation information generated as described above may be displayed on the display screen 213 of the terminal 100.

Next, the user selects a desired payment method in consideration of the recommendation information (S406).

In response to the payment method selection, the user terminal 100 transmits a payment request to the payment device 300 (S407). As such, the user terminal 100 performs all the processing in the user terminal 100 without accessing the payment device 300 or another server until the payment request is transmitted.

The payment device 300 processes the payment in response to the reception of the payment request (S408), and transmits a payment processing completion notification message to the user terminal 100 (S409).

The user terminal 100 receives the payment processing completion notification message, and confirms that the payment is completed normally (S410).

On the other hand, the payment method used in the user terminal as described above may be configured in the form of a computer-readable recording medium recording a program for performing the method. In addition, the program for performing the payment method used in the user terminal as described above may be stored in the form of an application program in the user terminal. Accordingly, the user may simply perform the payment process by using the application program of the user terminal 100.

Further, according to another embodiment of the present invention, the hardware and software computing resources related to payment information and payment request processing performed by the user terminal or the payment device are stored in a server on the network, and when a request for the corresponding service is received from the terminal, the user terminal or The payment device may be implemented in a cloud computing form in which a payment device is connected to a server on a network, receives a corresponding service, and delivers the same to a terminal. In this case, the user terminal or payment device borrows computing resources such as hardware and software stored in a server on the network as much as necessary and pays a fee for using the computing resources such as the cost of the server and the maintenance of the computer system. It can save tremendous costs, time and manpower, including purchase and installation costs, update costs, and software purchase costs, and it can also save energy.

Accordingly, the embodiments disclosed in the specification of the present invention are not intended to limit the present invention. The scope of the present invention should be construed according to the following claims, and all the techniques within the scope of equivalents should be construed as being included in the scope of the present invention.

The present invention provides an apparatus and method for recognizing an information code including product information, such as a QR code, recommending a convenient and convenient payment method to a user based on user information, and processing a product payment. It can be widely used in the field using technology, product related information expression technology, wired / wireless system connection technology, and the like.

100: user terminal 110: code processing unit
120: payment processing unit 130: camera unit
140: communication unit 150: input unit
160: display unit 170: storage unit
180:
200: network
211: camera 212: information code
213: Display Screen 214: Shortcut Icon
215: Make a payment icon
300: payment device

Claims (12)

A user terminal configured to read an information code including product information and payment information, display the read information, recommend a payment means determined based on the payment information and pre-stored user information, and send a payment request; And
A payment device that receives the payment request from the user terminal and performs a payment process
Payment system comprising a. A code reading unit which reads an information code including product information and payment information;
A code converter which converts the information read by the code reader into data for display on a display screen;
A payment information generation unit for generating a payment means usable among pre-stored payment means based on the payment information;
A recommendation information generation unit for generating and comparing payment benefits of the available payment means based on the payment information; And
Communication unit for sending a payment request to the payment device requesting to pay using the payment method selected by the user
User terminal comprising a. The user terminal according to claim 2, further comprising a storage unit for storing card information about a card possessed by a user by the user's input. In the payment service providing method used in a payment system including a user terminal and a payment device,
Photographing the information code by the user terminal;
Reading the information code by the user terminal;
Generating, by the user terminal, display information based on the information read from the information code;
Extracting, by the user terminal, payment information from information read from the information code;
Generating, by the user terminal, recommendation information by comparing payment benefits of payment methods available to the user based on the payment information;
Transmitting, by the user terminal, a payment request to the payment device; And
The payment device performing a payment process in response to the payment request from the user terminal;
Payment service providing method comprising a. In the payment service providing method used in the user terminal,
Photographing the information code;
Reading the information code;
Generating display information based on the information read from the information code;
Extracting payment information from the information read from the information code;
Determining a payment method available to a user based on the payment information;
Comparing the payment benefits of the available payment means;
Recommending a payment method based on a comparison of payment benefits of the available payment means; And
Transmitting a payment request to a payment device in response to the user selecting a payment method;
Payment service providing method comprising a. The method of claim 5, wherein the information code comprises a one-dimensional barcode, a QR code, and a color code. The method of claim 5, wherein the display information includes at least one of a product name, a release date, price information, an internet site, a product status, a purchase site, and discount information. The method of claim 5, wherein the available payment means includes at least one of a mobile credit card, a credit card, a point payment, a bank account transfer, and an electronic coupon. The method of claim 5, further comprising receiving card benefit preference information of the user. The method of claim 9, wherein the recommending of the payment method comprises recommending a payment method based on the card benefit preference information of the user. The method of claim 5, further comprising the step of receiving a message informing that the payment processing is completed by the payment request from the payment device. A computer-readable recording medium having recorded thereon a program for performing the method of any one of claims 4 to 11.

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