KR20140007707A - Smart simple payment system and method using qr code scan - Google Patents

Abstract

A system and method for smart simple payment using a QR code scan are disclosed. The system comprises: a smart terminal for scanning a QR code with embedded product information including a representative, a business registration number, a payment account, a product name, product specifications, a product price, and coupons, generating and displaying an order window including fields for inputting destination and information about the product name, the product specifications, the product price, a delivery charge and the coupons using the product information acquired by the QR code scan, receiving destination information through the displayed order window, and transmitting the destination information with the product information, pre-stored credit card information or mobile communication company information; an online/offline member store server for receiving the destination information and the order information from the smart terminal and requesting payment according to the received order information; a QR code payment server for requesting, if the online/offline member store server requests payment according to the order information, subscriber authentication to a mobile communication company which the smart terminal has joined or a credit card company of a user to authenticate the subscriber and performing payment according to the order information; an authentication server of the mobile communication company or the credit card company for creating, if the QR code payment server requests subscriber authentication, an authentication number such that the QR code payment server can authentication the subscriber and providing the authentication number to the QR code payment server and the smart terminal. [Reference numerals] (110) Smart terminal; (111) QR scan module; (112) Touch screen; (113) Control module; (114) Wireless communication module; (120) Online/offline member store server; (121) Wireless communication module; (122) Payment request module; (130) QR code payment server; (131) Payment module; (132) Authentication module; (140) Authentication server; (141) Authentication server generation module

Description

SMART SIMPLE PAYMENT SYSTEM AND METHOD USING QR CODE SCAN}

The present invention relates to a smart terminal and a payment method using the same, and more particularly, to a smart terminal and a method for performing a payment using a QR code.

Recently, as a PC-level function is implemented in a smart phone, various online product orders and payments can be made on the smart phone.

However, such an online product order is usually configured to use after signing up and logging in to an online product sales site. As such, the existing member registration and login system requires a cumbersome procedure such as registering by inputting user's personal information.

Recently, the leakage of personal information to a serious level due to hacking or viruses, etc., there is a problem that online / offline product transactions using a smart phone is also very sensitive to personal information leakage.

On the other hand, in recent years, users receive and use so many credit cards and point cards. If necessary, many people are issued a large number, so it is often too much to fill in the wallet. It also increases the risk of losing your card. Even so, even if you carry a lot of cash, there is a high risk of loss.

Best of all, you'll get a lot of receipts if you use your credit card several times a day. The same is true that it is too expensive to carry in a wallet, and receipts have a problem of adverse effects in terms of environmental pollution.

Overall, there is a need for a safer and easier way to make online / offline transactions using a smartphone, which has become a necessity of modern people, and a simple way to transact without storing multiple credit cards or receipts in a wallet.

An object of the present invention to provide a smart simple payment system using a QR code scan.

Another object of the present invention to provide a smart simple payment method using a QR code scan.

Smart simple payment system using a QR code scan according to the object of the present invention described above, scanning the QR code embedded in the product information, including representative, business number, payment account and product name, product specification, product price, coupon, Using the product information obtained by scanning the QR code, create and display an order window including information on a product name, product specification, product price, shipping cost, coupon, and a shipping address input field, and enter shipping information in the displayed order window. A smart terminal that receives the product information, pre-stored credit card information or mobile carrier information; An online / offline affiliate server for receiving delivery address information and order information from the smart terminal and requesting payment according to the received order information; When the payment request according to the order information from the online / offline merchant server, the smart terminal is requested to authenticate the subscriber to the mobile carrier or the user's credit card company to perform the authentication, QR to perform the payment according to the order information Code billing server; When the subscriber authentication request is received from the QR code payment server, an authentication server of a mobile communication company or a credit card company that generates an authentication number and provides the QR code payment server and the smart terminal to the QR code payment server to perform authentication The smart terminal generates and displays a payment window including a social security number input field, a credit card password field or a fingerprint recognition field after performing the authentication, and receives the social security number, credit card password or fingerprint from the displayed payment window. Sending to the code payment server to finalize the payment, the smart terminal is any one of a smart phone, tablet PC, PMP, the QR code payment server receives the social security number, credit card password or fingerprint, the mobile communication company Or after confirming with your credit card company, There.

In this case, the smart terminal may query the discount information or the mobile coupon of the mobile card previously stored in the smart terminal, and the discount information or the mobile coupon of the inquired mobile card may be the product information, the shipping address information, the previously stored credit card information or the mobile coupon. It may be configured to transmit to the QR code payment server along with the carrier information. And the QR code payment server may be configured to perform the payment by applying the discount information or the mobile coupon of the received mobile card.

Smart simple payment method using the QR code scan according to another object of the present invention described above, the smart terminal is a QR code that embeds the product information, including the representative, business number, payment account and product name, product specification, product price, coupon Scanning; Generating and displaying an order window including information on a product name, a product specification, a product price, a shipping cost, a coupon, and a delivery address input field by using the product information acquired by scanning the QR code by the smart terminal; Receiving, by the smart terminal, the delivery address information from the displayed order window and transmitting the product information together with previously stored credit card information or mobile communication company information; An online / offline affiliate server to receive online shipping information and order information from the smart terminal, and to request a QR code payment server for payment according to the received order information; When the QR code payment server receives a payment request based on order information from the online / offline affiliate server, requesting a subscriber authentication to an authentication server of a mobile communication company or a credit card company to which the smart terminal is subscribed; When the authentication server receives a subscriber authentication request from the QR code payment server, generating an authentication number to provide the QR code payment server and the smart terminal so that the QR code payment server can perform authentication; Receiving, by the QR code payment server, an authentication number from the smart terminal, performing authentication, and transmitting an authentication result to the smart terminal; Receiving, by the smart terminal, an authentication result and generating and displaying a payment window including a social security number input field, a credit card password field, or a fingerprint recognition column when authentication is successful; The smart terminal receiving a social security number, a credit card password or a fingerprint from the displayed payment window and sending the QR code to the QR code payment server for final approval of the payment; The QR code payment server may be configured to include performing a payment according to the order information.

In this case, the smart terminal receives the delivery address information in the displayed order window and transmits the merchandise information, pre-stored credit card information or mobile communication company information, discount information or mobile coupon of the pre-stored mobile card in the smart terminal Inquiry, and the discount information or mobile coupon of the inquired mobile card is sent to the QR code payment server with the product information, shipping information, pre-stored credit card information or mobile carrier information, the QR code payment server the order information The performing of the payment may be configured to apply the discount information or the mobile coupon of the received mobile card to perform the payment.

According to the smart simple payment system and method using the QR code scan as described above, by using a smart phone instead of a credit card by scanning the QR code provided for each product in the on-line store by acquiring the product / payment information, There is an effect that you can safely and easily trade products without a separate membership or login. Therefore, there is no need for a separate credit card or cash, there is no risk of loss and it is possible to reduce the environmental pollution by receipt issuance. In addition, since the QR code scan is used, there is no need for a card terminal, so there is an advantage that a transaction can be easily made.

1 is a block diagram of a smart simple payment system using a QR code scan according to an embodiment of the present invention.
2 is an exemplary view of an order window using a QR scan according to an embodiment of the present invention.
3 is a flowchart of a smart simple payment method using a QR code scan according to an embodiment of the present invention.

While the invention is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail to the concrete inventive concept.

It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

Like reference numerals are used for like elements in describing each drawing.

The terms first, second, A, B, etc. may be used to describe various elements, but the elements should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another.

For example, without departing from the scope of the present invention, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component. And / or < / RTI > includes any combination of a plurality of related listed items or any of a plurality of related listed items.

When a component is referred to as being "connected" or "connected" to another component, it may be directly connected to or connected to that other component, but it may be understood that other components may be present in between. Should be.

On the other hand, when an element is referred to as being "directly connected" or "directly connected" to another element, it should be understood that there are no other elements in between.

The terminology used in this application is used only to describe a specific embodiment and is not intended to limit the invention. Singular expressions include plural expressions unless the context clearly indicates otherwise.

In this application, the terms "comprise" or "have" are intended to indicate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, and one or more other features. It is to be understood that the present invention does not exclude the possibility of the presence or the addition of numbers, steps, operations, components, components, or a combination thereof.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs.

Terms such as those defined in commonly used dictionaries are to be interpreted as having a meaning consistent with the contextual meaning of the related art and are to be interpreted as either ideal or overly formal in the sense of the present application Do not.

Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of a smart simple payment system using a QR code scan according to an embodiment of the present invention.

Referring to FIG. 1, the smart simple payment system 100 (hereinafter, referred to as a smart simple payment system) using a QR code scan according to an embodiment of the present invention may include a smart terminal 110, an affiliated store server 120, It may be configured to include a QR code payment server 130 and the authentication server 140.

Smart simple payment system 100 is configured to acquire goods / payment information by scanning the QR code provided for each product in the on / offline stores using the smart phone 110 without a separate credit card. And the QR code payment server 130 receives only the delivery without a separate registration / login, etc., but the payment process using the credit card information or smart phone number registered in advance in the smart phone 110 or mobile phone company Complete the payment through.

The user does not need to have a credit card and does not have to issue a paper receipt, which is very convenient and eco-friendly. And even in the case of offline stores, you do not need a card lookup machine, you can use the QR code provided for each product.

In addition, since the QR code payment server 130 makes payment without a separate registration / login procedure, there is an advantage that there is no risk of leakage of personal information.

Hereinafter, the detailed configuration will be described.

First, the smart terminal 110 may be configured to include a QR scan module 111, a touch screen 112, a control module 113 and a wireless communication module 114.

The QR scanning module 111 of the smart terminal 110 is configured to scan a QR code containing product information including a representative, a business number, a payment account and a product name, a product specification, a product price, a coupon. That is, the QR code is attached or provided in advance for each product in the on / offline store. The QR code contains information for ordering goods and paying goods.

The control module 113 of the smart terminal 110 uses the product information obtained by scanning the QR code, and opens an order window including information on a product name, product specification, product price, shipping cost, coupon, and a shipping address input field. And generate and display through the touch screen 112. In the past, when ordering online on the smart terminal 110, it was necessary to register in advance and log in, but in the present invention, only the information about the product and the delivery of the orderer (user) in the order window are touch screen 112. It is configured to enter through. Thus, no input of special personal information is required, and personal information cannot be leaked according to the input.

And the smart terminal 110 is configured to receive the delivery address information in the order window and transmits to the online / offline merchant server 120 through the wireless communication module 114 with the product information, pre-stored credit card information or mobile carrier information. . And the online / offline merchant server 120 is configured to send it to the QR code payment server 130. At this time, in addition to the delivery address information or product information, the pre-registered credit card information or mobile carrier information may be further transmitted, which is intended to be integrated payment to the payment by the credit card or the mobile carrier. For the security of personal information, it is more desirable to be integrated payment to the carrier's fee.

In this case, the control module 113 of the smart terminal 110 inquires the discount information or the mobile coupon of the pre-stored mobile card in the smart terminal 110, the discount information or the mobile coupon of the inquired mobile card product information, delivery address information It is configured to transmit to the online / offline merchant server 120 through the wireless communication module 114 together with previously stored credit card information or mobile carrier information. And the online / offline merchant server 120 is configured to send it to the QR code payment server 130. Recently, NFC payment using a mobile card has been used a lot, it is preferable that the smart card 110 is configured to enable the inquiry in the mobile card application built in. And the mobile coupon is also preferably configured to be able to read and read information from the relevant application. Furthermore, the points of the mobile loyalty card may also be configured to be used by inquiring in related applications to be used for payment.

The smart terminal 110 is preferably any one of a smart phone, tablet PC, PMP.

Next, the online / offline affiliate server 120 may be configured to include a wireless communication module 121 and a payment request module 122.

The wireless communication module 121 of the online / offline merchant server 120 receives the delivery address information and the order information from the smart terminal 110, and the payment request module 122 performs the QR code payment server for payment according to the received order information. Request to 130. In this case, the wireless communication module 121 may be a wired communication module (not shown) on a wired network.

Next, the QR code payment server 130 may be configured to include a payment module 131 and the authentication module 132.

When the payment module 131 of the QR code payment server 130 receives a payment request according to the order information from the online / offline merchant server 120, the authentication module 132 is a mobile carrier or user to which the smart terminal 110 is subscribed. It is configured to perform the authentication by requesting subscriber authentication with a credit card company. At this time, subscriber authentication is performed through the authentication number generated by the authentication server 140 of the mobile carrier or credit card company.

And QR code payment server 130 is configured to perform the payment according to the order information.

In this case, the QR code payment server 130 may be configured to perform a payment by applying the discount information or the mobile coupon of the mobile card received from the smart terminal 110. If there is a point of the mobile loyalty card is preferably configured to be applicable.

Next, the authentication server 140 may be configured to include an authentication number generation module 141.

When the authentication number generation module 141 of the authentication server 140 receives a subscriber authentication request from the QR code payment server 130, the QR code payment server 130 generates an authentication number so that the QR code payment server 130 can perform authentication. It may be configured to provide to the server 130. In addition, the authentication module 132 of the QR code payment server 130 may be configured to provide the authentication number to the smart terminal 110.

At this time, the smart terminal 110 receives the authentication from the authentication module 132 of the QR code payment server 130 by entering the authentication number. After the authentication is completed, the control module 113 of the smart terminal 110 is configured to generate a payment window including a social security number input field, a credit card password field, or a fingerprint recognition field and display the same through the touch screen 112.

In addition, the control module 113 of the smart terminal 110 receives a social security number, a credit card password or a fingerprint from the user through the touch screen 112 in the payment window and transmits the QR code to the payment server 130 to finally approve the payment. It is composed. At this time, it is also possible to use the accredited certificate if necessary.

And the payment module 131 of the QR code payment server 130 is configured to receive a social security number, credit card password or fingerprint, and complete the payment after receiving confirmation from the mobile carrier or credit card company.

2 is an exemplary view of an order window using a QR scan according to an embodiment of the present invention.

2, it can be seen that the order window is configured to automatically input information such as sales price, quantity, shipping cost, coupon, and the like. It is configured to only enter information such as the name or address of the orderer or the shipper. That is, it can be seen that the input of personal information is limited as much as possible.

3 is a flowchart of a smart simple payment method using a QR code scan according to an embodiment of the present invention.

Referring to FIG. 3, first, the smart terminal 110 scans a QR code including product information including a representative, a business number, a payment account and a product name, a product specification, a product price, and a coupon (S101). In this case, scanning may be performed using a QR code scanning application.

Next, the smart terminal 110 generates and displays an order window including information on a product name, a product specification, a product price, a shipping cost, a coupon, and a delivery address input field by using the product information obtained by scanning a QR code. (S102). In addition to the points of the point card or discount information of the mobile card, it may be configured to be displayed along with the mobile coupon registered in other applications.

Next, when the smart terminal 110 receives the delivery address information in the previously displayed order window (S103a), and transmits with the product information, pre-stored credit card information or mobile carrier information (S103b). In this case, the discount information or the mobile coupon of the pre-stored mobile card in the smart terminal 110 is inquired, and the discounted information or the mobile coupon of the inquired mobile card is stored with the product information, the delivery address, the pre-stored credit card information, or the mobile communication company information. It is preferable to transmit to the QR code settlement server 130 together.

Next, when the on / offline merchant server 120 receives the delivery address information and the order information from the smart terminal 110 (S104a), it requests the payment according to the received order information to the QR code payment server 130 (S104b). ).

Next, if the QR code payment server 130 receives a payment request according to the order information from the online / offline merchant server 120 (S105a), the authentication server of the mobile carrier or the user's credit card company that the smart terminal 110 is subscribed to Request for subscriber authentication to 140 (S105b).

Next, when the authentication server 140 receives a subscriber authentication request from the QR code payment server 120 (S106a), the QR code payment server 120 generates an authentication number so that the QR code payment server 120 can perform authentication. 130 and the smart terminal 110 (S106b).

Next, when the QR code payment server 130 receives the authentication number from the smart terminal 110 (S107a), performs the authentication and transmits the authentication result to the smart terminal 110 (S107b).

Next, when the smart terminal 110 receives the authentication result and authentication is successful (S108a), the smart terminal 110 generates and displays a payment window including a social security number input field, a credit card password field, or a fingerprint recognition column (S108b).

Next, when the smart terminal 110 receives the social security number, credit card password or fingerprint in the previously displayed payment window (S109a), and transmits to the QR code payment server 130 to finally approve the payment (S109b).

Next, the QR code payment server 130 performs a payment according to the order information (S110). In this case, the QR code payment server 130 preferably performs the payment by applying the discount information or the mobile coupon of the mobile card.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention as defined in the following claims. There will be.

Claims (4)

Scan the QR code that contains the representative, business number, payment account and product information including the product name, product specification, product price, and coupon, and use the product information obtained by scanning the QR code. Smart to generate and display an order window including price, shipping cost, coupon information and shipping address input field, and receives the shipping address information in the displayed order window and transmits it with the product information, pre-stored credit card information or carrier information Terminal;
An online / offline affiliate server for receiving delivery address information and order information from the smart terminal and requesting payment according to the received order information;
When the payment request according to the order information from the online / offline merchant server, the smart terminal is requested to authenticate the subscriber to the mobile carrier or the user's credit card company to perform the authentication, QR to perform the payment according to the order information Code billing server;
When the subscriber authentication request is received from the QR code payment server, an authentication server of a mobile communication company or a credit card company that generates an authentication number and provides the QR code payment server and the smart terminal to the QR code payment server to perform authentication Including,
The smart terminal includes:
After performing the authentication, a payment window including a social security number input field, a credit card password field or a fingerprint recognition field is generated and displayed, and the social security number, credit card password or fingerprint is input from the displayed payment window, and transmitted to the QR code payment server for payment. Finalize your
The smart terminal includes:
Any one of smart phone, tablet PC, PMP,
The QR code payment server,
Smart simple payment system using the QR code scan, characterized in that receiving the social security number, credit card password or fingerprint, and complete the payment after receiving confirmation from the mobile carrier or credit card company. The method of claim 1,
The smart terminal includes:
Search the discount information or mobile coupon of the pre-stored mobile card in the smart terminal, and the QR code payment with the product information, shipping information, pre-stored credit card information or mobile carrier information with the discounted information or mobile coupon of the retrieved mobile card Send it to the server,
The QR code payment server,
Smart simple payment system using a QR code scan, characterized in that configured to perform the payment by applying the discount information or the mobile coupon of the received mobile card. Scanning, by the smart terminal, a QR code including product information including a representative, a business number, a payment account and a product name, a product specification, a product price, and a coupon;
Generating and displaying an order window including information on a product name, a product specification, a product price, a shipping cost, a coupon, and a delivery address input field by using the product information acquired by scanning the QR code by the smart terminal;
Receiving, by the smart terminal, the delivery address information from the displayed order window and transmitting the product information together with previously stored credit card information or mobile communication company information;
An online / offline affiliate server to receive online shipping information and order information from the smart terminal, and to request a QR code payment server for payment according to the received order information;
When the QR code payment server receives a payment request based on order information from the online / offline affiliate server, requesting a subscriber authentication to an authentication server of a mobile communication company or a credit card company to which the smart terminal is subscribed;
When the authentication server receives a subscriber authentication request from the QR code payment server, generating an authentication number to provide the QR code payment server and the smart terminal so that the QR code payment server can perform authentication;
Receiving, by the QR code payment server, an authentication number from the smart terminal, performing authentication, and transmitting an authentication result to the smart terminal;
Receiving, by the smart terminal, an authentication result and generating and displaying a payment window including a social security number input field, a credit card password field, or a fingerprint recognition column when authentication is successful;
The smart terminal receiving a social security number, a credit card password or a fingerprint from the displayed payment window and sending the QR code to the QR code payment server for final approval of the payment;
Smart QR payment method using a QR code scan comprising the step of performing the payment according to the order information by the QR code payment server. The method of claim 3, wherein the smart terminal receives the delivery address information from the displayed order window and transmits the delivery information together with the product information, pre-stored credit card information, or mobile communication company information.
Search the discount information or mobile coupon of the pre-stored mobile card in the smart terminal, and the QR code payment with the product information, shipping information, pre-stored credit card information or mobile carrier information with the discounted information or mobile coupon of the retrieved mobile card Send it to the server,
The QR code payment server to perform the payment according to the order information,
Smart simple payment method using a QR code scan, characterized in that for performing the payment by applying the discount information or the mobile coupon of the received mobile card.

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