KR20200113592A - Payment Method for Performing Payment in a Different Manner in One Terminal, and a Payment Apparatus - Google Patents

Abstract

Disclosed are a payment method for performing a payment in different manners in one terminal and a device for performing the same which can fully perform a payment by reflecting transfer information even for payment terminals with different payment methods. According to an aspect of the present invention, the transportation payment method for performing a payment in different manners in one terminal comprises: a step of receiving QR code-based payment completion information; a step of performing a virtual payment of the same payment information as the QR code-based payment completion information by a payment method incompatible with the QR code; a step of reflecting the virtual payment performance in payment details; a step of receiving a payment request by a payment method incompatible with the QR code; and a step of checking whether a transferable condition is satisfied based on the payment details.

Description

Payment Method for Performing Payment in a Different Manner in One Terminal, and a Payment Apparatus}

The present invention relates to a payment method for performing payment in a different manner in one terminal and a payment device for performing the payment method.

The content described in the section merely provides background information on an embodiment of the present invention and does not constitute the prior art.

The first-generation cards were used within the range of the balance in the savings account using a physical medium of a predetermined shape, or the amount used after first use was charged later. Each card has a card ID, and it is a structure to charge, pay, and settle based on the card ID. Recharging or payment using a card is made through information exchange between the card and the payment terminal.

Since such a physical first-generation card exists separately as a physical medium, there is a complication that a user must possess the card in order to charge or pay for the card.

In order to solve this problem at the time when the use of smartphones has become common, various payment methods using smartphones are emerging. After storing the information of the card to be used in the smartphone, there is a method of making payment using communication between the smartphone and the payment terminal, and a code that stores the information of the payment terminal with a smartphone (e.g., barcode or There is a method of recognizing a QR code, etc.), inputting payment information, and processing it. With the emergence of various payment methods using a smart phone, payment is proceeding by replacing a conventional physical card.

This payment method is also being applied to the transportation field. In the field of transportation, a method of using a smart phone has been applied, rather than a method of paying cash with a conventional transportation fee or paying a transportation fee by communicating a physical card with a payment terminal provided in a (public) transportation means.

However, the method of performing payment by performing communication with a smartphone and the method of performing payment by recognizing a code with a smartphone has a problem that the data processed in the payment process are not linked. That is, there is a problem that it is impossible to check the progress or details of payment performed by performing communication with a smartphone and proceeding with payment by recognizing a code with a smartphone (and vice versa. Established). If it is a normal payment, data does not need to be linked between each method, but it is different in the transportation field. In the field of transportation, there is a transfer system, but if data is not linked between each method, payment is made in a specific transportation method in one method, and then payment is made in another transportation method within the available transfer time in another method. The transfer is not performed and payment is made separately. Since there is no standard for payment using a smartphone yet, only arbitrary methods are provided according to convenience for each mode of transportation and for each region. In this situation, there is a problem in that a user who wants to make a payment using a smartphone in transportation must pay an excessive payment fee without receiving the transfer benefit.

An object of the present invention is to provide a payment device and method that allows a user to fully perform payment by reflecting transfer information even for payment terminals having different payment methods using a mobile device.

According to an aspect of the present embodiment, in a payment method for performing payment in a different manner from one terminal, receiving payment completion information based on a QR code and payment information identical to payment completion information based on the QR code Performing a virtual payment using a payment method incompatible with the QR code, reflecting the virtual payment progress in a payment history, receiving a payment request using a payment method incompatible with the QR code, and the payment details It provides a payment method comprising the step of checking whether the conditions for transfer to and from are met.

According to an aspect of the present embodiment, the payment method incompatible with the QR code is an NFC-based payment method.

According to one aspect of the present embodiment, the payment completion information includes identification information of the terminal.

According to an aspect of the present embodiment, the step of determining whether a transferable condition is met based on the payment details is performed by determining whether a transfer condition is possible based on the payment details, and transmitting the result of determining whether the transfer is possible It characterized in that it comprises the step of receiving one payment completion information.

According to an aspect of this embodiment, in a payment method for performing payment in a different manner in one terminal, receiving payment completion information based on NFC and payment information identical to the payment completion information based on NFC to the NFC Proceeding with a virtual payment using a payment method incompatible with the based payment, reflecting the virtual payment progress in a payment history, receiving a payment request using a payment method incompatible with the NFC-based payment, and the payment details It provides a payment method including the step of confirming whether the conditions for transfer are satisfied based on.

According to an aspect of the present embodiment, the payment method incompatible with the NFC-based payment is a QR code method.

According to an aspect of the present embodiment, the step of receiving a payment request in a payment method incompatible with the NFC-based payment further comprises changing payment request information corresponding to the received payment request to the NFC-based payment information. It characterized in that it includes.

According to one aspect of the present embodiment, the payment completion information based on the NFC is characterized in that it includes identification information of the terminal.

According to an aspect of the present embodiment, in a payment method that enables an app server to perform payment with a payment terminal that performs payment with a different payment method, payment for payment performed with a payment terminal that is not compatible with the app server itself The steps of receiving completion information from the outside, performing a virtual payment as if the payment was performed with a payment terminal compatible with the user in the same manner as the received payment completion information, and transmitting the virtual payment details to the outside. Provides a payment method that includes.

According to an aspect of the present embodiment, a payment device for performing the above-described payment method is provided.

As described above, according to an aspect of the present invention, even for payment terminals having different payment methods, there is an advantage in that the terminal can completely perform payment without a separate operation.

1 is an exemplary view showing an example of using a transportation payment system according to an embodiment of the present invention.
2 is a block diagram of a transportation payment system according to a first embodiment of the present invention.
3 is a diagram illustrating an operation in which payment is performed according to the first embodiment of the present invention.
4 is a configuration diagram of a terminal according to the first embodiment of the present invention.
5 is a block diagram of a QR system according to a first embodiment of the present invention.
6 is a timing chart showing a process in which payment is performed according to the first embodiment of the present invention.
7 is a block diagram of a transportation payment system according to a second embodiment of the present invention.
8 is a configuration diagram of a terminal according to a second embodiment of the present invention.
9 is a block diagram of a QR system according to a second embodiment of the present invention.
10 is a timing chart showing a process in which payment is performed according to the second embodiment of the present invention.
11 is a block diagram of a transportation payment system according to a third embodiment of the present invention.
12 is a diagram illustrating an operation in which payment is performed according to a third embodiment of the present invention.
13 is a configuration diagram of a terminal according to a third embodiment of the present invention.
14 is a configuration diagram of a QR system according to a third embodiment of the present invention.
15 is a timing chart showing a process in which payment is performed according to the third embodiment of the present invention.

In the present invention, various changes may be made and various embodiments may be provided, and specific embodiments will be illustrated in the drawings and described in detail. However, this is not intended to limit the present invention to a specific embodiment, it is to be understood to include all changes, equivalents, and substitutes included in the spirit and scope of the present invention. In describing each drawing, similar reference numerals have been used for similar elements.

Terms such as first, second, A, and B may be used to describe various elements, but the elements should not be limited by the terms. These terms are used only for the purpose of distinguishing one component from another component. For example, without departing from the scope of the present invention, a first element may be referred to as a second element, and similarly, a second element may be referred to as a first element. The term and/or includes a 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 is understood that it may be directly connected or connected to the other component, but other components may exist in the middle. Should be. On the other hand, when a component is referred to as being "directly connected" or "directly connected" to another component, it should be understood that there is no other component in the middle.

The terms used in the present application are used only to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In the present application, terms such as "include" or "have" should be understood as not precluding the possibility of existence or addition of features, numbers, steps, actions, components, parts, or combinations thereof described in the specification. .

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

Terms as defined in a commonly used dictionary should be interpreted as having a meaning consistent with the meaning in the context of the related technology, and should not be interpreted as an ideal or excessively formal meaning unless explicitly defined in this application. Does not.

In addition, each configuration, process, process, or method included in each embodiment of the present invention may be shared within a range not technically contradicting each other.

1 is an exemplary view showing an example of using a transportation payment system according to an embodiment of the present invention.

The traffic payment system 100 according to an embodiment of the present invention includes a terminal 120, a first traffic terminal 210, a second traffic terminal 250, a third traffic terminal 270, and a first traffic app server ( 220), and a second traffic app server 225.

The first transportation terminal 210 transmits/receives information necessary for payment to and from the terminal 120 using NFC communication, so that the payment proceeds. The terminal 120 transmits the unique information and location information of the terminal 120 including the information received from the first traffic terminal 210 to the first traffic app server 220 so that the first traffic app server 220 You can make the payment possible. The information received from the first traffic terminal 210 is information that can only be identified by the first traffic app server 220 and is not compatible with the second traffic app server 225.

The second traffic terminal 250 is provided with a QR code display device, and the terminal 120 identifies the QR code expressed by the QR code display device, and payment can be made. The QR code display device is a device that receives and displays a QR code from an external server, and can perform payment only when the terminal 120 is physically close to recognize the QR code. The QR code recognized by the terminal 120 by the second traffic terminal 250 can only be identified by the second traffic app server 225 and is not compatible with the first traffic app server 220.

The third transportation terminal 270 is provided with a TAG data generating device, and the terminal 120 recognizes the TAG data possessed by the TAG data generating device and payment can be made. The TAG data generating device receives TAG data from an external server, and the terminal 120 may receive information necessary for payment by using short-range wireless communication with the TAG data generating device. The third traffic terminal 270 may be recognized by the first traffic app server 220, but cannot deliver payment information that can be processed by the second traffic app server 225 to the terminal 120. Therefore, when the user boards the metropolitan bus, rides the subway, and transfers to the village bus again, if the first transportation terminal 210, the second transportation terminal 250, and the third transportation terminal 270 are provided in each transportation means, , Whenever a payment request comes from the terminal 120, the first transportation app server 220 or the second transportation app server 225 needs to check the transfer conditions and then proceed with payment.

Conventionally, the terminal 120 is physically close to each of the first transportation terminal 210, the second transportation terminal 250, and the third transportation terminal 270 for payment when changing to a metropolitan bus, subway, or town bus. The operation to perform payment can be performed, but the transfer information could not be reflected. Since the first traffic app server 220 is not compatible with the second traffic app server 225, different traffic app servers receive payment information processed by the first traffic app server 220 or the second traffic app server 225. Even if they did, because they could not recognize each other's data, it was impossible to determine whether the conditions for the transfer were met by reflecting this.

In the present invention, in order to check the transfer information of the user holding the terminal 120, the first transportation app server 220 and the second transportation app server 225 transmit payment completion information to each other through data format conversion even if they are not compatible with each other. By sharing and making a virtual payment corresponding to the payment completion information made on the other party's transportation app server, the payment details made on the incompatible transportation app server are reflected to check whether the conditions for the transfer are met, and the payment can be made. I can.

In the present invention, when the terminal 120 requests payment to the first traffic app server 220 or the second traffic app server 225, the terminal 120 transmits its own identification information together, and the first traffic app server 220 ) Or the second transportation app server 225 to check whether the conditions for transfer are met.

2 is a block diagram of a transportation payment system according to an embodiment of the present invention (first), and FIG. 3 is a view showing an operation in which payment is performed according to an embodiment of the present invention.

2 and 3, the traffic payment system 100 according to an embodiment of the present invention includes a terminal 120, a first traffic terminal 210, a first traffic app server 220, and a second traffic app. It includes a server 225, a QR system 230, and a QR code display device 240.

The first transportation terminal 210 transmits/receives information necessary for payment to and from the terminal 120 using short-range wireless communication, so that payment is made, and a payment terminal that can perform payment only when the transportation card is physically close. Corresponds to. The first transportation terminal 210 is provided in a means of transportation such as a bus, subway, or taxi, and transmits and receives information necessary for direct payment with the terminal 120 using short-range wireless communication. The information required for payment is information that can only be identified by the first traffic app server 220 and is not compatible with the second traffic app server 225. The first traffic terminal 210 is compatible with the first traffic app server 220, and the first traffic terminal 210 identifies the terminal 120 in order to check whether the terminal 120 meets the conditions for transfer. Along with the information, payment details between the first transportation terminal 210 and the same type of payment terminal (any payment terminal compatible with the first payment server) are received from the terminal 120. The first traffic terminal 210 recognizes the validity of the terminal 120 using the identification information of the terminal 120, determines whether the terminal 120 can transfer using the payment details, and makes payment according to the determination result. Calculate the amount. The first transportation terminal 210 requests payment to the terminal 120 together with the calculated payment amount and its current location information, so that the terminal 120 and the first transportation app server 220 make payment through long-distance communication. Alternatively, payment may be performed through direct communication with the first traffic app server 220.

The QR code display device 240 may display a QR code provided by the QR system 230 so that the terminal 120 recognizes the QR code so that payment can be processed. The terminal 120 may make a payment request to the second transportation app server 225 by recognizing the QR code indicated by the QR code display device 240 and transmitting it to the second transportation app server 225. In the second transportation app server 225, payment details information corresponding to the terminal 120 is stored, so that the second transportation app server 225 responds to the terminal 120 when a payment request is received from the terminal 120. After checking the payment details, check if the conditions for transfer are met, and then proceed with the payment.

The QR system 230 may receive a request to generate QR code data from the second traffic app server 225. The second traffic app server 225 may request generation of a QR code including identification information and payment amount information of the QR code display device 240. The QR system 230 may generate a QR code and then transmit the QR code to the QR code display device 240.

The terminal 120 transmits and receives information necessary for payment with the first transportation terminal 210. The terminal 120 receives the payment details made with the traffic terminal of the same kind as the first traffic app server 220 from the first traffic app server 220, transmits the payment details to the first traffic terminal 210, and transmits a payment request signal. It is received from the first traffic terminal 210. The terminal 120, prior to the payment process with the first transportation terminal 210, when payment is performed with another payment terminal of the same kind as the first transportation terminal 210, the payment details from the first transportation app server 220 Is received and transmitted to the first traffic terminal 210. The terminal 120 transmits the payment details to the first transportation terminal 210 so that the first transportation terminal 210 can calculate the payment amount in consideration of transfer conditions. On the other hand, when payment with the QR code display device 240 is first performed, and then payment with the first transportation terminal 210 is desired, the terminal 120 receives the virtual payment details from the first transportation app server 220. Receive. The terminal 120 transmits the virtual payment details to the first transportation terminal 210 so that the first transportation terminal 210 can calculate the payment amount by considering the transfer conditions. Thereafter, the terminal 120 receives a payment request signal including the payment amount and identification information of the first traffic terminal 210 from the first traffic terminal 210.

The terminal 120 transmits information on the first traffic terminal 210 to the first traffic app server 220 so that payment with the first traffic terminal 210 is performed. When the code of the first traffic terminal 210 is recognized, the terminal 120 transmits the recognized code information together with its identification information to the first traffic terminal 210. Accordingly, the first traffic app server 220 recognizes the traffic terminal requesting the payment and the terminal that will perform the payment, and performs payment for the requested payment amount. When payment is completed in the first transportation app server 220, the terminal 120 may receive payment completion information from the first transportation app server 220.

The terminal 120 recognizes the QR code from the QR code display device 240, and stores information necessary for payment included in the QR code, identification information of the terminal 120, and location information of the terminal 120 as a second transportation app. It transmits to the server 225. The QR code includes a payment amount and identification information of the QR code display device 240, and the terminal 120 may interpret the information from the QR code and transmit it to the second traffic app server 225. The second transportation app server 225 may perform payment after calculating a payment amount based on information required for payment included in the QR code, identification information of the terminal 120, and location information of the terminal 120. .

The first traffic app server 220 and the second traffic app server 225, which are not compatible with each other, share each other's payment completion information even if a user makes a payment using a payment method performed in a different manner, and again each By making a virtual payment corresponding to the payment completion information in the transportation app servers 220 and 225 of, it is possible to reflect the transfer information to proceed with the payment even if it is determined whether a transfer condition is possible by making a virtual payment corresponding to the payment completion information. . To this end, the first traffic app server 220 transmits the first traffic terminal 210 and the payment terminal of the same type and the payment completion information to the second traffic app server 225 to transmit the second traffic app server ( Within 225), the terminal 120 may perform a virtual payment as if payment was performed with the QR code display device 240.

The second traffic app server 225 may receive a payment request signal from the terminal 120 and perform payment. The terminal 120 recognizes the QR code from the QR code display device 240, and transmits information necessary for payment, identification information of the terminal 120, and location information of the terminal 120 from the QR code to the second traffic app server 225 ) To perform payment. The second transportation app server 225 may check the payment details corresponding to the identification information of the terminal 120 in order to check whether the transfer conditions are satisfied prior to performing the payment, and calculate the payment amount by considering the transfer conditions. have. On the other hand, when a payment is first performed with the first transportation app server 220 and then payment with the second transportation app server 225 is desired, the second transportation app server 225 is the first transportation app server 220 Even if data in the payment process performed by the first traffic app server 220 is received from, it corresponds to separate data that is not linked to each other. Therefore, even if the second traffic app server 225 receives the payment details made by the first traffic app server 220, the second traffic app server 225 does not recognize this. Due to this problem, even if the second transportation app server 225 transfers the payment details with the first transportation app server 220, which was previously processed to proceed with payment, to the second transportation app server 225 within the transferable condition , The second traffic app server 225 does not recognize this and performs a normal payment rather than a transfer. In order to solve this problem, the second transportation app server 225 prior to performing payment with the terminal, the second transportation app server 225 is a payment corresponding to the payment details that were made in the first transportation app server 220 A QR code display device 240 and the same type of device as the terminal 120 and the payment is performed as if the virtual payment can be performed. Accordingly, the second transportation app server 225 may determine the transfer condition by reflecting the payment details made in the first transportation app server 220 through virtual payment, and then calculate the payment amount. The second traffic app server 225 stores identification information of the terminal 120, location information of the terminal 120, and identification information of the QR code display device 240 included in the payment request information received from the terminal 120. Based on this, it is accompanied by a judgment as to whether the transfer conditions are satisfied. The second transportation app server 225 may transmit the payment completion information to the first transportation app server 220 after completing the payment process with the terminal 120. The first transportation app server 220 Upon receiving the payment completion information, virtual payment may be performed as if payment was performed between the first transportation terminal 210 and the same type of transportation terminal, and reflected in the payment details. Therefore, when the first traffic app server 220 receives a payment request from the terminal 120 in the future, it transmits the payment details including virtual payment to the terminal 120, and the terminal 120 is the first traffic terminal ( 210) by transmitting the payment details so that the first transportation terminal 210 can calculate the payment amount.

The first traffic app server 220 performs payment by receiving identification information of the terminal 120, identification information of the first traffic terminal 210, the current location of the terminal 120, and a payment amount from the terminal 120. . In the first traffic app server 220, identification information and account information of traffic terminals previously registered to perform payment in the first traffic app server 220 are stored corresponding to each traffic terminal. Identification information of terminals and account information or transportation card information are stored in correspondence to each terminal. The first transportation app server 220 performs payment by deducting the requested payment amount from the account of the terminal 120 or the balance of the transportation card using the received information or by reflecting the corresponding amount in the usage amount of the transportation card. After performing the payment, the first transportation app server 220 may transmit payment completion information to the terminal 120 and may additionally transmit the payment completion information to the second transportation app server 225. When transmitting the payment completion information to the second traffic app server 225, the first traffic app server 220 may convert the information into an appropriate data format so that the second traffic app server 225 can recognize the information and transmit the information. .

Even when the terminal 120 performs payment with each of the transportation terminal and transportation app servers that make payment with a payment method that is not compatible with each other, the transportation payment system 100 recognizes payment details with each other using virtual payment. By doing so, there is an advantage that transfer conditions can be considered in the payment process.

For a more detailed description, referring to FIG. 3, the terminal 120 may physically access the first traffic terminal 210 in order to perform payment (① payment) with the first traffic terminal 210. The terminal 120 is a payment performed with the terminal 120 and another traffic terminal of the same kind as the first traffic app server 220 from the first traffic app server 220 before proceeding with the payment with the first traffic terminal 210 It receives the details and transmits it to the first traffic terminal 210 again. The first transportation terminal 210 may calculate a payment amount by considering a transfer condition based on the payment details for the terminal 120. The first traffic terminal 210 transmits to the terminal 120 a payment request signal including the amount of payment, the current location of the first traffic terminal 210 and identification information of the first traffic terminal 210. The terminal 120 transmits a payment request signal including the amount of payment, the current location of the first traffic terminal 210, and the identification information of the first traffic terminal 210 to the first traffic app server 220 to transmit the first traffic The app server 220 may be able to perform payment (① payment) with the first transportation terminal 210. The first traffic app server 220 transmits payment (① payment) completion information with the first traffic terminal 210 to the second traffic app server 225, and the second traffic app server 225 transmits the first traffic As the payment (① payment) completion information with the terminal 210, the virtual payment can be performed as if payment was performed with another device of the same kind as the QR code display device 240. Accordingly, the second transportation app server 225 may include virtual payment information for payment (① payment) with the first transportation terminal 210 in the payment details for the terminal 120.

In order for the holder of the terminal 120 to use the transportation means equipped with the QR code display device 240 in the transportation means equipped with the first transportation terminal 210, the terminal 120 pays with the QR code display device 240 (② Payment) can be prepared. The terminal 120 may transmit identification information and payment amount information of the QR code display device 240 to the second transportation app server 225 to request a QR code generation. The second traffic app server 225 may transmit identification information and payment amount information of the QR code display device 240 to the QR system 230. The QR system 230 may generate a QR code corresponding to the identification information and payment amount information of the QR code display device 240 and then transmit the QR code to the QR code display device 240. After recognizing the QR code displayed on the QR code display device 240, the terminal 120 obtains information necessary for payment from the QR code to identify identification information of the terminal 120, location information of the terminal 120, and terminal 120. The payment request time information of) may be transmitted to the second transportation app server 225. The second traffic app server 225 may search for payment details corresponding to the terminal 120 by using the identification information of the terminal 120. Since the second traffic app server 225 already includes virtual payment information for payment (① payment) between the terminal 120 and the first transportation terminal 210 in the payment details for the terminal 120, the terminal Based on the payment history information for (120), it is possible to check whether the conditions for transfer are met. The second transportation app server 225 may calculate the amount of payment (② payment) with the QR code display device 240 by reflecting the transfer condition. The second transportation app server 225 transmits payment (② payment) completion information with the QR code display device 240 to the first transportation app server 220 to perform virtual payment in the first transportation app server 220 You can do it.

Even when the terminal 120 performs payment with each of the transportation app servers that make payments with a payment method that is not compatible with each other, the transportation payment system 100 recognizes the payment details with each other using a virtual payment, so that the payment process It has the advantage of allowing transfer conditions to be taken into account.

4 is a configuration diagram of a terminal according to the first embodiment of the present invention.

4, the terminal 120 according to an embodiment of the present invention includes a QR code recognition unit 130, an NFC communication module 140, a long distance communication module 150, a control unit 160, and a memory unit 170. ) And a display unit 180.

The QR code recognition unit 130 may recognize the QR code displayed by the QR code display device 240 to analyze information contained in the QR code. The QR code recognition unit 130 may transmit the recognized QR code information to the second traffic app server 225 through the long-distance communication module 150.

The NFC communication module 140 transmits/receives data to and from the first traffic terminal 210 in a short-range communication method, and the long-distance communication module 150 transmits and receives data to and from the traffic app servers 220 and 225. The payment information of the transportation terminal 210 or the QR code information of the QR code display device 240 is transmitted to each of the transportation app servers 220 and 225.

The controller 160 controls the operation of each component in the terminal 120.

The control unit 160 controls the QR code recognition unit 130 to recognize the QR code. When the QR code recognition unit 130 recognizes the code provided from the QR code display device 240, the control unit 160 provides identification information of the terminal 120, location information of the terminal 120, and The long distance communication module 150 is controlled to transmit the payment request time information to the second traffic app server 225. In addition, when the control unit 160 recognizes the first traffic terminal 210 by the NFC communication module 140 and receives the information, the control unit 160 includes the identification information of the terminal 120 and the first traffic terminal ( The long distance communication module 150 is controlled to transmit identification information of 210), a payment request time, and location information of the terminal 120 to the first traffic app server 220.

When the long-distance communication module 150 receives payment completion information from the first traffic app server 220 or the second traffic app server 225, the controller 160 displays the display unit 180 so that it is displayed on the display unit 180. Can be controlled.

The display unit 180 allows a user with the terminal 120 to view the payment completion information performed by the first traffic app server 220 or the second traffic app server 225 received by the long-distance communication module 150. Show. The display unit 180 may display not only the payment amount, but also the balance excluding the payment amount from the transportation card and information on whether to transfer.

The memory unit 170 stores identification information of the terminal 120 itself. When requesting payment or requesting payment details, the memory unit 170 stores identification information of the terminal 120 so that each transportation app server 220 and 225 can check which transportation terminal the payment request has been received. Additionally, the memory unit 170 may store identification information of a transportation card, a payment account, or a payment credit card together with its identification information. Accordingly, when requesting payment, the terminal 120 may transmit identification information of a transportation card instead of its identification information, or may transmit identification information of a transportation card together with its identification information.

5 is a block diagram of a QR system according to a first embodiment of the present invention.

5, a diagram showing the configuration of a QR system 230 according to an embodiment of the present invention.

Referring to FIG. 5, a QR system 230 according to an embodiment of the present invention includes a QR data processing unit 310, a communication unit 320, a QR data generation unit 330, and a control unit 340.

The QR data processing unit 310 extracts the identification information of the QR code display device 240 and information on the payment amount from the QR code generation request received from the second transportation app server 225, and the QR data generation unit 330 Allows you to generate QR codes.

The QR data generation unit 330 converts the identification information of the QR code display device 240 obtained from the QR data processing unit 310 and the information on the payment amount into a QR code and transmits it to the QR code display device 240 again. . When the QR code display device 240 receives the QR code, it displays the QR code so that the terminal 120 can recognize it.

When the communication unit 320 receives payment request information from the second transportation app server 225, it transmits the payment request information to the control unit 340. The communication unit 320 may transmit the QR code generated by the QR data generation unit 330 to the QR code display device 240.

The control unit 340 controls the operation of the QR data processing unit 310, the communication unit 320, and the QR data generation unit 330. When a request for generating QR data from the second traffic app server 225 is requested, the controller 340 may control the QR data processing unit 310 to obtain information necessary for generating a QR code. Thereafter, the control unit 340 controls the QR data generation unit 330 to generate a QR code that can indicate the identification information of the QR code display device 240 provided from the QR data processing unit 310 and information on the payment amount. can do. Thereafter, the controller 340 may control the communication unit 320 to transmit the generated QR code to the QR code display device 240.

6 is a timing chart showing a process in which payment is performed according to the first embodiment of the present invention.

The terminal 120 recognizes the payment information of the first traffic terminal 210 (S410). The terminal 120 generates payment request information by recognizing the payment information of the first transportation terminal 210. The payment request information of the terminal 120 may include identification information of the first transportation terminal 210, current location of the first transportation terminal 210, payment request time, and payment amount information.

The terminal 120 transmits the payment request information of the terminal 120 to the first traffic app server 220 to request payment (S415). The terminal 120 requests payment from the first transportation app server 220 including its own identification information together with payment information recognized from the first transportation terminal 210.

The first traffic app server 220 proceeds with payment (S420). The first transportation app server 220 proceeds with payment based on identification information of the first transportation terminal 210, identification information of the terminal 120, and payment amount information. The first transportation app server 220 may check the payment details and then proceed with payment in order to check whether there is no transferable information of the terminal 120 for performing the payment (S420).

The second traffic app server 225 receives payment completion information from the first traffic app server 220 (S425). However, the present invention is not necessarily limited thereto, and the second traffic app server 225 transmits payment completion information with the first traffic app server 220 to the terminal 120, and the first traffic app server 220 from the terminal 120 ) And payment completion information may be received. When the first traffic app server 220 transmits the payment completion information to the second traffic app server 225, the second traffic app server 225 may change the data to recognizable data and transmit it to the second traffic app server 225. have.

The second traffic app server 225 is based on the received payment completion information of the first traffic app server 220, the second traffic app server 225 is compatible with the same kind of payment terminal (for example, a QR display device) Virtual payment is performed as if payment has been performed (S430). The second transportation app server 225 analyzes the received payment completion information by the first transportation app server 220, and the same payment terminal and the same type of payment terminal equipped with the QR code display device 240 are the same as the corresponding payment completion information. Virtual payment is performed as if payment was performed. The payment completion information performed by the first traffic app server 220 may be received in a data format that can be recognized by the second traffic app server 225, or the second traffic app server 225 may recognize it. Payment completion information performed by the first transportation app server 220 may be converted into a data format that can be used.

The terminal 120 may request QR code data from the second traffic app server 225 and the second traffic app server 225 for payment (S435). The terminal 120 may transmit identification information and a payment amount of the QR code display device 240 to the second transportation app server 225 together with the QR code data request.

The second traffic app server 225 may request QR code data generation from the QR system 230 (S440). The second traffic app server 225 transmits the identification information and payment amount of the QR code display device 240 transmitted from the terminal 120 to the QR system 230, so that the QR system 230 transmits the QR code display device ( 240) identification information and a payment amount and corresponding QR code can be generated.

The QR system 230 generates QR code data so that the QR display device 240 can display the QR code (S445). The QR code display device 240 displays the QR code information received from the QR system 230 so that the terminal 120 can recognize the QR code information.

The terminal 120 recognizes the QR code displayed by the QR code display device 240 (S455). The terminal 120 may recognize the QR code and extract identification information and payment amount information of the QR code display device 240 included in the QR code.

The terminal 120 determines the identification information of the terminal 120 and the current location of the terminal 120 along with identification information and payment amount information of the QR code display device 240 extracted from the QR code to the second traffic app server 225. It can be transmitted together to request payment according to the QR code (S460). The second transportation app server 225 uses the identification information of the terminal 120 to check whether the transfer conditions are met from the payment details for the terminal 120, and then calculates the payment amount based on the current location information of the terminal 120. Can be calculated. The second transportation app server 225 may perform payment with the terminal 120 with the calculated payment amount. Thereafter, the second traffic app server 225 transmits payment information with the terminal 120 to the first traffic app server 220, and the second traffic app server 225 and the terminal from the first traffic app server 220 A virtual payment corresponding to the payment information with 120 may be performed and reflected in the payment details for the terminal 120.

7 is a block diagram of a transportation payment system 101 according to a second embodiment of the present invention.

The traffic payment system 1010 includes a terminal 121, a first traffic terminal 210, a QR code recognition device 245, a first traffic app server 220, a third traffic app server 226, and a QR system 235. ).

Since the payment process method between the first traffic terminal 210, the first traffic app server 220, and the terminal 121 is the same as in the first embodiment, a description thereof will be omitted.

The terminal 121 may request the third traffic app server 226 to generate a QR code, and the third traffic app server 226 may again request the QR system 235 to generate a QR code. The terminal 121 may transmit identification information of the terminal 121 and the current location of the terminal 121 to the third transportation app server 226 together with a QR code generation request. The third traffic app server 226 transmits the identification information of the terminal 121 and the current location of the terminal 121 to the QR system 235, and the QR system 235 transmits the identification information of the terminal 121 and the terminal 121 A QR code corresponding to the current location of) can be generated. The QR system 235 may transmit the generated QR code to the terminal 121 so that the QR code can be displayed on the display portion of the terminal 121.

The QR code recognition device 245 may recognize the QR code from the terminal 121 and transmit the QR code information to the QR system 235. The QR code recognition device 245 may transmit identification information and payment amount of the QR code recognition device 245 together with the recognized QR code information to the third transportation app server 226.

The QR system 235 may receive a QR code generation request from the third transportation app server 220, generate a QR code, and transmit the QR code to the terminal 121. In addition, the QR system 235 may receive a QR code from the QR code recognition device 245 to obtain information necessary for payment among the QR code information and transmit it to the third transportation app server 226. The QR system 235 may verify that the QR code is a valid QR code by authenticating the QR code, and then request payment to the third transportation app server 226.

The third traffic app server 226 may process payment with the terminal 121 and request that the QR system 235 transmit a QR code to the terminal 121. When the third traffic app server 226 receives a request for generating a QR code from the terminal 121, the third traffic app server 226 may request the QR system 235 to generate a QR code. The third traffic app server 226 transmits the identification information of the terminal 121 and the current location information of the terminal 121 to the QR system 235 so that the QR system 235 transmits the identification information of the terminal 121 and the terminal ( 121) can generate a QR code that can indicate the current location information. When the QR code recognition device 245 recognizes the QR code from the terminal 121 and transmits it to the QR system 235, the QR system 235 interprets the QR code to analyze the identification information of the terminal 121, the terminal 121 After extracting the current location information of and verifying whether the payment request is a valid QR code, it may be transmitted to the third transportation app server 226 to request payment. The third transportation app server 226 may check the payment details from the identification information of the terminal 121 in order to check the transfer conditions before proceeding with the payment, calculate the payment amount, and proceed with the payment.

When the payment is made with the terminal 121, the first transportation app server 220 transfers payment completion information to the third transportation app server 226 so that the third transportation app server 226 performs a virtual payment. Make it possible. The payment method performed by the first transportation app server 220 and the payment method performed by the third transportation app server 226 are not compatible with each other, so the payment information processed by the first transportation app server 220 Even if it is transmitted to the traffic app server 226, the third traffic app server 226 cannot determine whether a transfer is possible by reflecting this. Therefore, in order for the third transportation app server 226 to determine whether a transfer is possible using the payment completion information received from the first transportation app server 220, the first transportation app server 220 When transmitting the payment completion information to 226, the third transportation app server 226 may convert and transmit data recognizable, or the third transportation app server 226 may convert the payment completion information received.

The third transportation app server 226 may perform a virtual payment as if payment was made in a device similar to the QR code recognition device 245 based on the payment information received from the first transportation app server 220. The third transportation app server 226 includes the virtual payment information as payment details after making a virtual payment, and when receiving a payment request from the QR system 235, the identification information of the terminal 120 and the By checking the corresponding payment details, it is possible to determine whether the conditions for transfer are met.

8 is a configuration diagram of a terminal 121 according to a second embodiment of the present invention.

Referring to FIG. 8, the terminal 121 includes a QR code display unit 131, an NFC communication module 140, a long distance communication module 150, a control unit 160, a memory unit 170, and a display unit 180. .

Since the payment process method using the NFC communication module 140 is the same as the method described above, the description will be omitted, and a description will be made mainly on the payment method using the QR code display unit 131.

The QR code display unit 131 may display QR code information received from the QR system 235. The display unit 180 of the terminal 121 has the QR code display unit 131 positioned at a portion, so that the QR code can be displayed. The terminal 121 may display QR code information on the QR code display unit 131 so that payment can be made with the third transportation app server 226.

The long-distance communication module 150 may receive QR code information from the QR system 235 and transmit a QR code generation request to the third traffic app server 226. The long-distance communication module 150 mainly serves to transmit and receive data with an external traffic app server or system.

The controller 160 controls the operation of each component in the terminal 121.

The control unit 160 controls the QR code display unit 131 to display the QR code. The QR code display unit 131 may recognize QR code information received through the long-distance communication module 150 by the control unit 160 and display it on the display unit 180. The controller 160 may control the long-distance communication module 150 to request generation of a QR code. The control unit 160 transmits the identification information of the terminal 121 and the location information of the terminal 121 stored in the memory unit 170 together with the QR code generation request, and the third transportation app server 226 makes payment when the QR code is generated. Based on the details, it provides a basis for judging whether the conditions for transfer are met. When the payment method selected by the user is based on the QR code display method, the control unit 160 needs to transmit the payment request to the third transportation app server 226, so the identification information or the identification information on the payment request method to the memory unit 170 The identification information information for the terminal may be stored in advance, and a payment request may be processed by determining the appropriate transportation app servers 220 and 226 according to the payment method.

The memory unit 170 stores the identification information of the terminal 121 and, when requesting payment, allows each of the transportation app servers 220 and 226 to check whether the request is received from a terminal or a payment method to be used. The memory unit 170 may store identification information for distinguishing it. Additionally, the memory unit 170 may store identification information of a transportation card along with its identification information. Accordingly, when requesting payment, the terminal 121 may transmit identification information of a transportation card instead of its identification information, or may transmit identification information of a transportation card together with its identification information.

9 is a block diagram of a QR system according to a second embodiment of the present invention.

Referring to FIG. 9, a QR system 235 according to a second embodiment of the present invention includes a QR data processing unit 311, a communication unit 320, a QR data generation unit 331, and a control unit 340.

The communication unit 320 transmits and receives data with the terminal 121 or the third traffic app server 226 so that the QR data generation unit 331 can generate the QR code data. The communication unit 320 receives a payment request signal including identification information of the terminal 121 and current location information of the terminal 121 from the third traffic app server 226. The communication unit 320 transmits the QR code data generated by the QR data generation unit 331 to the terminal 121 so that payment can proceed.

The communication unit 320 may receive QR code information from the QR code recognition device 245 and transmit it to the QR data processing unit 311.

The QR data generation unit 331 generates different QR code data according to the identification information of the terminal 121 and the current location information of the terminal 121. Accordingly, when the QR code data generated by the QR data generation unit 331 is analyzed, identification information of the terminal 121 and information on the current location of the terminal 121 can be obtained.

The QR data processing unit 311 analyzes the QR data code directly received from the QR code recognition device 245 to authenticate whether a valid QR code payment request is made based on the identification information of the terminal 121 and the current location information of the terminal 121. I can. For example, if the QR code recognized by the QR code recognition device 245 is not a QR code generated by the QR system 235, payment cannot be performed. After performing such QR code authentication, the QR system 235 may request payment from the third transportation app server 226.

The control unit 340 controls the QR data processing unit 311 to perform QR code authentication or the QR data generation unit 331 to generate the QR code according to the request signal received from the communication unit 320.

10 is a timing chart showing a process in which payment is performed according to the second embodiment of the present invention.

Referring to FIG. 10, the terminal 121 recognizes payment information of the first traffic terminal 210 (S510). The terminal 121 receives information of the first traffic terminal 210 through short-range communication with the first traffic terminal 210. The information received by the first traffic terminal 210 includes identification information, current location, and payment amount information of the first traffic terminal 210.

The terminal 121 may transmit a payment request to the first transportation app server 220 (S515). When receiving the payment request, the first transportation app server 220 determines whether there is an existing payment history, and if there is an existing payment history, it determines whether the terminal 121 meets the conditions for transfer.

The first transportation app server 220 calculates the payment amount by reflecting the condition of whether a transfer is possible and proceeds with the payment (S520).

The first traffic app server 220 may transmit payment completion information to the third traffic app server 226 that is not compatible with the first traffic app server 220 (S525). When transmitting the payment completion information to the third transportation app server 226, the first transportation app server 220 may convert and transmit data that can be recognized by the third transportation app server 226.

The third traffic app server 226 analyzes the payment completion information received from the first traffic app server 220 to virtualize the QR code recognition device 245 and the same kind of device as if payment was performed between the terminal 121. Payment can be proceeded (S530). The third transportation app server 226 may reflect virtual payment information on payment details for the terminal 121. Here, the payment completion information received from the first transportation app server 220 may be received in a data format that can be recognized by the third transportation app server 226 or the third transportation app server 226 can recognize. The received payment completion information may be converted into an existing data format. The third transportation app server 226 may store payment details including virtual payment information. The third traffic app server 226 may store payment details in correspondence with identification information of the terminal 121.

When the user of the terminal 121 selects the payment method using the QR code recognition method by the QR code recognition device 245, the terminal 121 may request QR code data from the third transportation app server 226 (S535 ). When requesting the QR code data, the terminal 121 transmits the identification information of the terminal 121 and the current location information of the terminal 121 together, and the identification information of the terminal 121 and the current location of the terminal 121 are transmitted only by recognizing the QR code. You can make it possible to obtain information.

The third traffic app server 226 may request QR code data generation from the QR system 235 (S540). The QR system 235 may generate a QR code corresponding to the identification information of the terminal 121 and the current location information of the terminal 121.

The QR system 235 may transmit the QR code data to the terminal 121 (S545).

The terminal 121 may display the QR code received from the QR system 235 (S550), and allow the QR code recognition device 245 to recognize the QR code of the terminal 121.

The QR code recognition device 245 may recognize the QR code of the terminal 121 and transmit identification information of the QR code recognition device 245 together with the QR code to the QR system 235 (S560).

The QR system 235 may analyze the QR code transmitted from the QR code recognition device 245 and authenticate whether it is a valid QR code using the identification information of the terminal 121 and the location information of the terminal 121 (S565). . If the QR system 235 is not a valid QR code, the additional process for payment may be stopped.

The third transportation app server 226 may receive a payment request (S570) from the QR system 235 and proceed with payment. The third transportation app server 226 checks the payment details corresponding to the terminal 121 using the identification information of the terminal 121 before proceeding with the payment, and then checks whether a transfer condition is satisfied, and then calculates the payment amount. You can proceed with the payment. The third transportation app server 226 made a virtual payment (S530) for the payment information that the terminal 121 made with the first transportation app server 220 and included it in the payment details, so the first transportation app server The payment information made with (220) may also be used to determine the transfer.

11 is a block diagram of a transportation payment system according to a third embodiment of the present invention.

Referring to FIG. 11, a traffic payment system 102 according to a third embodiment of the present invention includes a terminal 122, a TAG data generating device 218, a second traffic app server 225, and a fourth traffic app server ( 228), a QR system 230, a QR code display device 240, a second traffic terminal 250, and a TAG system 265.

It may be assumed that the terminal 122 is a terminal that cannot perform payment through two-way communication because only reception is possible through NFC communication and transmission function is impossible. The traffic app server according to the present invention may be implemented to enable transfer with a traffic payment terminal or device having different payment methods even if the terminal 122 is unable to communicate in both directions through NFC communication.

The TAG data generating device 218 may receive TAG data from the TAG system 265. The TAG system 265 may generate TAG data including identification information and payment amount information of the TAG data generating device and transmit it to the TAG data generating device 218. The terminal 122 may recognize TAG data possessed by the TAG data generating device 218 through NFC communication with the TAG data generating device 218.

Conversely, it is impossible for the terminal 122 to transmit the payment details of the terminal 122 to the TAG data generating device 218 through NFC communication. Therefore, the terminal 122 transmits identification information and payment amount information about the TAG data generating device 218 recognized by the terminal 122 through the long-distance communication module to the fourth transportation app server 228 to perform payment. I can do it.

The second transportation app server 225 performs payment using a payment method using a QR code, and the fourth transportation app server 228 performs payment through recognition of TAG data based on NFC. The second traffic app server 225 cannot interpret the payment completion information in the TAG data method of the fourth traffic app server 228, but on the contrary, the fourth traffic app server 228 is a second traffic app. Even when the payment details made of QR code information by the server 225 are received, it cannot be interpreted.

Therefore, the second traffic app server 225 and the fourth traffic app server 228 must communicate with each other to transmit/receive data necessary for payment, and then convert the received payment information. The second traffic app server 225 receives payment completion information performed by the fourth traffic app server 228, performs a virtual payment as if payment was performed on a device of the same kind as the QR code display device 240, and makes payment. Can be included in the description. Conversely, when the fourth transportation app server 228 also receives payment completion information from the second transportation app server 225, payment corresponding to the payment completion information is paid between the TAG data generating device 218 and the same type of device. As if is occurred, payment can be performed virtually and virtual payment information can be included in the payment details.

When performing payment, each of the second traffic app server 225 and the fourth traffic app server 228 checks whether there is a payment history using the identification information of the terminal 122, and then reflects the transferable condition to determine the payment amount. You need to check if it needs to be calculated.

The terminal 122 requests payment to one transportation app server that matches the payment request information by the pre-stored information according to whether the payment proceeds with the second transportation terminal 250 or the TAG data generating device 218 To transmit. When the terminal 122 wishes to proceed with the payment with the TAG data generating device 218, the terminal 122 may request generation of TAG data from the TAG system 265 via the fourth transportation app server 228. When requesting payment to the fourth transportation app server 228, the terminal 122 may transmit identification information and payment amount information of the TAG data generating device 218 together.

The fourth traffic app server 228 may request the TAG system 265 to generate TAG data so that the TAG system 265 can transmit the TAG data to the TAG data generating device 218. The fourth transportation app server 228 may perform payment by recognizing identification information and location information of the TAG data generating device 218 through NFC-based communication by the terminal 122. When receiving a payment request from the terminal 122, the fourth transportation app server 228 may receive identification information of the terminal 122 in addition to the TAG data received from the TAG data generating device 218. The fourth transportation app server 228 may use the identification information of the terminal 122 to check whether a transferable condition is met using payment details information corresponding to the terminal 122 and then calculate the payment amount.

When the TAG system 265 receives a request for generation of TAG data by the fourth transportation app server 228, the TAG system 265 may generate TAG data and transmit it to the TAG data generating device 218. In generating the TAG data, the TAG system 265 may generate TAG data including identification information and payment amount information of the TAG data generating device 218.

The method in which the terminal 122 performs payment with the second transportation app server 225 is the same as described above, and thus will be omitted.

12 is a diagram illustrating an operation in which payment is performed according to a third embodiment of the present invention.

The terminal 122 may transmit a request for generating TAG data to the fourth transportation app server 228 in order to proceed with payment using the TAG method. The terminal 122 may request generation of TAG data while transmitting identification information and payment amount information on the TAG data generating device 218 to the fourth transportation app server 228. Here, the payment amount information means payment amount information that does not reflect the transfer information. The fourth transportation app server 228 may check the payment details corresponding to the terminal 122 using the identification information of the terminal 122 and check whether there is a transferable payment details. The fourth transportation app server 228 calculates the payment amount according to the transferable payment details, and includes the payment amount, identification information of the terminal 122, location information of the terminal 122, and payment request time of the terminal 122 Information necessary for payment, including information, etc., may be transmitted to the TAG system 265 so that the TAG system 265 may request generation of TAG data.

After the TAG system 265 transmits the TAG data to the TAG data generating device 218, when the terminal 122 physically approaches the TAG data generating device 218, the terminal 122 uses the TAG data through a local area network. It can be received by using.

The terminal 122 may receive the TAG data through short-range communication and transmit identification information of the terminal 122 and location information of the terminal 122 to the fourth traffic app server 228. The fourth traffic app server 228 may allow payment to be performed when a payment request is received from the terminal 122.

When the fourth transportation app server 228 transmits the payment completion information to the terminal 122, the terminal 122 displays the payment amount, the balance information excluding the payment amount, and information on the transfer status on the terminal 122 to the user. Can be made aware of.

The fourth transportation app server 228 shares payment information with the second transportation app server 225 to make payment by reflecting the transferable condition when the second transportation app server 225 makes payment with the terminal 122. Let it proceed. When the second traffic app server 225 receives payment completion information from the fourth traffic app server 228, based on this, the second traffic app server 225 generates a payment as if payment was virtually performed, and makes a payment. You can save it in your history.

When the terminal 122 later transfers to a transportation means equipped with a QR display device 240, the second transportation app server 225 receives the identification information of the terminal 122 when a QR code generation request is received from the terminal 122. After checking the payment details by using, the QR system 230 may generate a QR code by determining whether a transfer is possible.

The QR display device 240 displays a QR code that reflects the transferable information of the terminal 122 and information on the payment amount, and when the terminal 122 recognizes the QR code, information on the payment amount and balance, transfer You can make it possible to get information about.

13 is a configuration diagram of a terminal 122 according to a third embodiment of the present invention.

The terminal 122 includes a QR code recognition unit 130, a TAG data recognition module 141, a long distance communication module 150, a control unit 160, a memory unit 170, and a display unit 180.

Descriptions of the QR code recognition unit 130, the long-distance communication module 150, the control unit 160, the memory unit 170, and the display unit 180 that overlap with the descriptions of the other terminals 120 and 121 will be omitted. .

The TAG data recognition module 141 recognizes the TAG data of the TAG data generating device 218 when the TAG data generating device 218 and the terminal 122 are physically close to each other. The TAG data recognition module 141 may interpret the received TAG data to obtain identification information of the terminal 122, information about transfer availability, and information about a payment amount.

14 is a block diagram of a TAG system 265 according to a third embodiment of the present invention.

The TAG system 265 includes a TAG data generation unit 350, a communication unit 360, and a control unit 370.

The communication unit 360 includes transfer information based on identification information of the terminal 122 and payment details of the terminal 122 from the fourth traffic app server 228, payment amount information, location information of the terminal 122, or terminal ( 122) payment request time information may be received. The communication unit 360 transmits the TAG data information generated by the TAG data generating unit 350 to the TAG data generating device 218.

The TAG data generator 350 may generate TAG data including identification information and payment amount information of the TAG data generating device 218 from the fourth traffic app server 228. The terminal 122 may later analyze the TAG data received from the TAG data generating device 218 to obtain identification information and payment amount information of the TAG data generating device 218.

The control unit 370 controls the TAG data generation unit 350 to generate TAG data when a request for generation of TAG data is received by the communication unit 360. When TAG data generation by the TAG data generator 350 is completed, the control unit 370 controls the TAG data to be transmitted to the TAG data generating device 218 using the communication unit 360.

15 is a timing chart showing a process in which payment is performed according to the third embodiment of the present invention.

Referring to FIG. 15, when the terminal 122 requests the fourth traffic app server 228 to generate TAG data, the fourth traffic app server 228 may request the TAG system 265 to generate TAG data (S610). ). When the TAG system 265 receives a request for TAG data transmission from the fourth traffic app server 228, identification information of the TAG data generating device 218 and payment amount information may be transmitted together. The TAG system 265 may generate TAG data corresponding to identification information and payment amount information of the TAG data generating device 218.

The TAG system 265 may transmit TAG data to the TAG data generating device 218 (S615). The TAG data generating device 218 may transmit the TAG data using NFC communication with the received TAG data.

The terminal 122 recognizes the TAG data using the TAG data generating device 218 and NFC communication (S620). Since the terminal 122 cannot perform an operation such as transmitting the payment details of the terminal 122 to the TAG data generating device 218, the terminal 122 sends the received TAG data back to the fourth traffic app server 228. You can transfer to and proceed with payment.

The terminal 122 may transmit the TAG data recognized from the TAG data generating device 218 to the fourth traffic app server 228 to request payment (S625). When requesting payment to the TAG data generating device 218, the terminal 122 may transmit identification information of the terminal 122 and current location information of the terminal 122 together with the TAG data (S625).

The fourth traffic app server 228 may proceed with payment using identification information corresponding to the terminal 122 (S630). The fourth transportation app server 228 may search for a payment detail corresponding to the terminal 122 and, if there is transferable information, reflect this to calculate a payment amount.

The fourth traffic app server 228 may transmit payment completion information to the second traffic app server 225 (S635). The fourth traffic app server 228 transmits the payment completion information to the second traffic app server 225 (S635), so that when the second traffic app server 225 proceeds to pay with the terminal 122, the payment details are stored. Based on this, it determines the conditions for transfer and allows the payment to proceed. When the fourth traffic app server 228 transmits the payment completion information to the second traffic app server 225, the second traffic app server 225 may change and transmit data recognizable.

The second transportation app server 225 is a virtual payment for payment information corresponding to the payment information received by the fourth transportation app server 228 as if payment was performed by a device of the same kind as the QR code display device 240 Can proceed (S640). The second transportation app server 225 stores virtual payment information in the payment history, and when a payment request is received from the terminal 122 in the future, until the payment (S630) information processed by the fourth transportation app server 228 Considering it is possible to determine whether a transfer is possible and calculate the payment amount.

Since the remaining payment execution steps are duplicated with the timing chart of FIG. 6, a description thereof will be omitted.

In FIGS. 6, 10, and 15, it is described that each process is sequentially executed, but this is merely illustrative of the technical idea of an embodiment of the present invention. In other words, a person of ordinary skill in the technical field to which an embodiment of the present invention belongs can change the order described in Figs. 6, 10, and 15 without departing from the essential characteristics of an embodiment of the present invention, or during each process. Since one or more processes are executed in parallel, various modifications and variations may be applied, and thus FIGS. 6, 10, and 15 are not limited to a time series order.

Meanwhile, the processes shown in FIGS. 6, 10, and 15 can be implemented as computer-readable codes on a computer-readable recording medium. The computer-readable recording medium includes all types of recording devices that store data that can be read by a computer system. That is, the computer-readable recording media include storage media such as magnetic storage media (eg, ROM, floppy disk, hard disk, etc.) and optical reading media (eg, CD-ROM, DVD, etc.). In addition, the computer-readable recording medium can be distributed over a computer system connected through a network to store and execute computer-readable codes in a distributed manner.

The above description is merely illustrative of the technical idea of the present embodiment, and those of ordinary skill in the technical field to which the present embodiment belongs will be able to make various modifications and variations without departing from the essential characteristics of the present embodiment. Accordingly, the present exemplary embodiments are not intended to limit the technical idea of the present exemplary embodiment, but are illustrative, and the scope of the technical idea of the present exemplary embodiment is not limited by these exemplary embodiments. The scope of protection of this embodiment should be interpreted by the following claims, and all technical ideas within the scope equivalent thereto should be construed as being included in the scope of the present embodiment.

100, 101, 102: transportation payment system
120, 121, 122: terminal
130: QR code recognition unit
140: NFC communication module
150: long distance communication module
160: control unit
170: memory unit
180: display
210: first traffic terminal
220: first traffic app server
225: second traffic app server
230: QR system
240: QR code display device

Claims (10)

In the payment method for performing payment in a different manner in one terminal,
Receiving payment completion information based on the QR code;
Performing a virtual payment using a payment method incompatible with the QR code with payment information identical to the payment completion information based on the QR code;
Reflecting the progress of the virtual payment in payment details;
Receiving a payment request using a payment method incompatible with the QR code; And
Checking whether transfer conditions are met based on the payment details
Payment method comprising a. The method of claim 1,
Payment method, characterized in that the payment method incompatible with the QR code is a payment method based on NFC. The method of claim 1,
The payment completion information,
Payment method comprising the identification information of the terminal. The method of claim 1,
The step of checking whether the conditions for transfer are met based on the payment details,
Determining whether a transfer condition is possible based on the payment details;
And receiving payment completion information by transmitting a result of determining whether the transfer condition is possible. In the payment method for performing payment in a different manner in one terminal,
Receiving payment completion information based on NFC;
Performing a virtual payment using a payment method that is not compatible with the NFC-based payment with the same payment information as the NFC-based payment completion information;
Reflecting the progress of the virtual payment in payment details;
Receiving a payment request in a payment method incompatible with the NFC-based payment; And
And checking whether conditions for transfer are possible based on the payment details. The method of claim 5
Payment method, characterized in that the payment method incompatible with the NFC-based payment is a QR code method. The method of claim 5,
Receiving a payment request with a payment method incompatible with the NFC-based payment,
The payment method further comprising the step of changing payment request information corresponding to the received payment request into payment information based on the NFC. The method of claim 5
Payment completion information based on the NFC,
Payment method comprising the identification information of the terminal. In a payment method that enables an app server to perform payment with a payment terminal that performs payment in a different payment method,
Receiving payment completion information for payment performed with a payment terminal incompatible with the app server itself from the outside;
Virtually performing payment as if payment was performed with a payment terminal compatible with the user in the same manner as the received payment completion information; And
Payment method comprising the step of transmitting the virtually proceeded payment details to the outside. The method according to claim 1 to 9
Payment device, characterized in that performing the payment method.

Images