WO2016028070A1

WO2016028070A1 - Method for providing financial payment service, and device and system for same

Info

Publication number: WO2016028070A1
Application number: PCT/KR2015/008631
Authority: WO
Inventors: 곽세병
Original assignee: 에스케이플래닛 주식회사
Priority date: 2014-08-19
Filing date: 2015-08-19
Publication date: 2016-02-25

Abstract

The present invention relates to a method for providing a financial payment service, which issues a personal barcode for each user, generates an integrated barcode by mapping the personal barcode and a product barcode for a particular product, and performs payment using the integrated barcode. Accordingly, when a customer purchases a product in a particular store, the customer can use a payment service conveniently as card information for receiving discount benefit and card information for payment are integrated and provided as an integrated barcode. Further, the present invention enables a financial service between users to be performed, without being connected to a financial institution, in a state of being connected to a service device which provides a particular service to a user.

Description

Method of providing financial settlement service, apparatus and system for same

The present invention relates to a method of providing a financial settlement service, and issues a personal barcode for each user, performs a payment using an integrated barcode generated by mapping a personal barcode and a product barcode for a specific product, and at the same time, the user accesses a financial institution. The present invention relates to a financial service providing method capable of performing a financial service between users by accessing a service device providing a specific service, and a device and a system therefor.

The contents described in this section merely provide background information on the present embodiment and do not constitute a prior art.

With the development of mobile communication networks and the development of terminal specifications, mobile communication terminals have become a necessity of modern man and are evolving into total entertainment devices beyond the conventional simple communication devices or information providing devices. In particular, the mobile communication terminal, which is a necessity for the modern man, has not only achieved miniaturization and light weight through steady development, but is also being reborn as a composite communication terminal having various functions.

In addition, the mobile communication terminal has been implemented to use various functions such as data communication, photography or video recording using a camera, music or video file playback, games, and broadcast viewing.

Such a mobile terminal may provide a barcode recognition function. A barcode that can be attached to a product to recognize product information is currently read and sold by a barcode scanner provided in a cash register or a point of sales system of a large store. This is useful for automatically organizing data. The code system is expanding from a one-dimensional array to a two-dimensional or higher array, and the information that can be contained is rapidly increasing, and the scope of use is expanding day by day.

However, when a customer makes a purchase at a specific store, there is an inconvenience in that each card must be provided separately in order to provide card information for a discount and card information for payment. We need a way to do this.

In addition, various types of applications are provided, such as a communication application including a messenger application capable of conducting a conversation by sending and receiving a message with a plurality of users, a banking application for performing an account transfer, etc. It only supports transmission and reception of messages or transmission and reception of contents such as still images and videos, and it is not possible to provide an account transfer service between users registered on the application while using the application.

The present invention has been proposed in order to solve the above-described problems, issuing a personal barcode for each user, to generate a integrated barcode by mapping a personal barcode and a product barcode for a specific product, and perform a payment using the integrated barcode Provided is a method for providing an integrated barcode for a payment service, and a system and apparatus for the same.

In addition, it is an object of the present invention to provide a financial service providing method, an apparatus and a system therefor that can perform financial services between users even when connected to a service device that provides a specific service to a user even without accessing a financial institution.

However, the object of the present invention is not limited to the above object, and other objects not mentioned will be clearly understood from the following description.

The service device according to an embodiment of the present invention for achieving the object as described above is a service communication unit for transmitting and receiving data related to the payment service by communicating with at least one terminal and the POS device and information for generating a personal barcode from the first terminal Receives, combines the received information to issue a personal barcode, and generates an integrated barcode by mapping the issued personal barcode and the product barcode for at least one product, and provides the integrated barcode to the first terminal It may include a service control unit for controlling to.

At this time, the user by reflecting the priority information related to the user's preference for the discount card information, the point accumulation information for each card, mileage accumulation information and payment method information corresponding to credit card, check card, gift card, bank transfer information It may further include a service storage unit for storing the personal barcode issued for each and the authentication information for each terminal user.

The terminal according to an embodiment of the present invention for achieving the object as described above registers the communication unit for transmitting and receiving data related to the payment service and the information for generating a personal barcode to the service device in communication with the service device and the POS device, Receiving a personal barcode generated by combining the information from the service apparatus, receiving an integrated barcode generated by mapping a product barcode for the at least one product and the personal barcode from the service apparatus, and using the integrated barcode It may include a control unit for controlling to perform the payment, wherein the control unit from the service device user authentication code and discount card information, point earning information for each card, mileage accumulation information and credit card, check card, gift card, account transfer information Payments with payment method information corresponding to However, a personal barcode including a code may be issued and stored.

In the integrated bar code providing method for a payment service according to an embodiment of the present invention, the service device receives information for generating a personal barcode from at least one terminal, the service device is issued a personal barcode by combining the received information And generating, by the service apparatus, the integrated barcode by mapping the issued personal barcode and at least one product barcode to the first terminal, and providing the integrated barcode to the first terminal by the service apparatus. In the receiving step, the service apparatus sends one of discount card information, point earning information for each card, mileage accumulation information, and payment means information corresponding to a credit card, a check card, a gift card, and a bank transfer information to the first terminal. Requesting information about the abnormality and the service apparatus Receiving the information from the first terminal in response or confirming priority information related to a user's usage preference with respect to payment means information from the first terminal and preset service priority information set by the service apparatus. Reflecting this may include the step of setting the payment ranking.

The issuing of the personal barcode may include collecting, by the service apparatus, at least one of user information, various card information, terminal information, password, and OTP code for authentication of payment means for each user, and the service apparatus. The method may further include generating a user authentication code based on the collected information, wherein the generating may include a country code, a manufacturer code and a product code included in the product barcode, and a personal barcode. It may be characterized in that to generate an integrated bar code by combining the user authentication code and the payment means code included, after the providing step, the service device at the request of the first terminal using the integrated bar code payment service In performing the above, the method may further include interworking with a payment device.

In the integrated barcode providing method for a payment service according to an embodiment of the present invention, the first terminal registers information for generating a personal barcode as a service device, wherein the first terminal displays the personal barcode generated by combining the information. Receiving an issue from the service device, the first terminal receiving the integrated barcode generated by mapping the product barcode and the personal barcode for at least one product from the service device and the first terminal using the integrated barcode It may include the step of performing a payment.

The terminal according to another embodiment of the present invention for achieving the object as described above is connected to the communication unit for transmitting and receiving information with the service device and when a predetermined condition for using the financial service occurs in the state connected to the service device, The financial transaction information including the user ID and the amount information of the other terminal registered in the service device to perform a transaction is transmitted to the service device through the communication unit, and the service is determined according to the terminal authentication result in the service device. A virtual key previously issued from a device or a password registered at the time of registering to use the financial service is transmitted to the service device, and the amount corresponding to the amount information is transferred from the account previously registered to the financial service to the designated account of the other terminal. It may include a controller for requesting a transfer to, The control unit transmits the financial information including account information, the password for using the financial service, and its user ID to the service device through the communication unit while being connected to the service device to use the financial service. Request a service usage registration, receive a financial service usage registration completion message from the service apparatus through the communication unit, further receive a virtual key together with a financial service usage registration completion message from the service apparatus, and receive the received virtual When a key is stored and a terminal authentication success message is received according to a terminal authentication result at the service device, the virtual key may be transmitted to the service device to request that the virtual key-based financial transaction be performed.

The user ID may be any one of an application ID provided by the service device, a member ID pre-registered in the service device, and a phone number, and the controller may set an amount corresponding to the price information in the account. After requesting the service device to transfer to the designated account of the terminal, it is possible to set the use restriction information for limiting the use of the money and to be transmitted to the service device or the other terminal, and to use the financial service. The predetermined condition may be that a predetermined keyword is input or received from the other terminal in a state of being connected to the service device, and the financial transaction information including the amount information is connected to the service device. Extracted based on messages originating from Can be seen.

A service device according to another embodiment of the present invention for achieving the above object is to perform a financial transaction from one or more terminals and a service communication unit for transmitting and receiving information with one or more financial service providing device and any one terminal connected to the service device. When financial transaction information including user ID and amount information of another terminal is received through the service communication unit, terminal authentication is performed on the terminal, and the terminal is previously issued to the terminal through the service communication unit according to a terminal authentication result. If the request for the provision of the virtual key or the pre-registered password is received and the virtual key or the password received from the terminal matches the pre-issued virtual key or the pre-registered password, the user ID of the other terminal is used. After checking the corresponding financial information, And a service control unit for requesting a financial service providing apparatus corresponding to the designated account of the terminal to transfer the amount corresponding to the amount information from the predetermined account to the designated account of the other terminal, wherein the service control unit is provided from the terminal. When the financial information including the account information, the password for using the financial service, and the user ID of the terminal are received, the user information corresponding to the user ID of the terminal is checked, and corresponding to the financial information through the service communication unit. Sending the financial information and the user information to the financial service providing device to request a user authentication, if the user authentication is successful, it can be controlled to transmit a financial service use registration complete message to the terminal through the service communication unit, Financial services When the ball in association with the device is successful in the user authentication, it is possible to issue a virtual key corresponding to the financial information transmitted to the terminal.

In addition, when the use control information is received from the terminal, the service controller determines whether the specific product corresponds to the use restriction information when a payment request for a specific product to be purchased from the other terminal is generated. If not applicable, in conjunction with the financial service providing apparatus, the amount corresponding to the amount information can be controlled to be transferred, and if the terminal authentication fails by performing terminal authentication on the terminal, the terminal is transferred to the terminal. Request and provide a registered password, and if the password received from the terminal matches a registered password, the designated account of the terminal from the designated account of the terminal to the designated account of the other terminal according to the request of the terminal. To the designated account of the terminal so that the amount corresponding to the amount information is transferred After requesting a financial service provider apparatus, and to a registered terminal when the financial services registered to notify the information on the financial transaction.

According to an embodiment of the present invention, a method for providing a financial service includes determining whether a predetermined condition for using a financial service occurs while the terminal is connected to a service device. Transmitting the financial transaction information including the user ID and the amount information of the other terminal to perform the financial transaction to the service device and the virtual key or the pre-registration previously issued by the terminal according to the terminal authentication result in the service device And transmitting the password to the service device, and requesting to transfer the amount corresponding to the amount information from the designated account to the designated account of the other terminal, and before the determining, Financial information and financial services including account information while connected to the service device The method may further include requesting a financial service use registration by transmitting a password for use and a user ID to the service device, and receiving, by the terminal, a financial service use registration completion message from the service device.

According to another aspect of the present invention, there is provided a method for providing a financial service, the method comprising: receiving financial transaction information including user ID and amount information of another terminal to perform a financial transaction from any one terminal to which a service apparatus is connected; Requesting and providing a pre-issued virtual key or a pre-registered password to the terminal according to a terminal authentication result by the device performing terminal authentication on the terminal, the service device receiving the virtual key received from the terminal Or confirming financial information corresponding to a user ID of the other terminal when the password matches a previously issued virtual key or a previously registered password, and the service device of the other terminal in the designated account of the terminal. The amount corresponding to the above amount information is transferred to the designated account And requesting a financial service providing apparatus corresponding to the designated account, and before the receiving step, the service apparatus includes financial information including account information from the terminal, and a password for using financial services. And receiving a user ID of the terminal, checking, by the service device, user information corresponding to the user ID of the terminal, wherein the service device is a financial service providing device corresponding to the financial information. Requesting user authentication by transmitting user information, and when the service device receives a user authentication success message from the financial service providing device, transmitting the financial service use registration completion message to the terminal, Completion of registration for use of financial services The service device may be configured to issue a virtual key in response to the financial information, when the service device receives a user authentication success message from the financial service providing device. Storing in response to a user ID; and transmitting, by the service apparatus, a financial service use registration completion message including the virtual key to the terminal.

In accordance with another aspect of the present invention, there is provided a method for providing a financial service, the method comprising: displaying a list of a plurality of other terminals registered while a first terminal is connected to a service device, and wherein the first terminal is any one of Selecting a second terminal, wherein the first terminal transmits the financial transaction information including the user ID of the selected second terminal, a password and amount information preset in the service apparatus to use the financial service, to the service apparatus; Requesting an account transfer, setting the usage restriction information for limiting the use of the money by the first terminal, and transmitting the usage restriction information set by the first terminal to the second terminal; When a payment request for a specific product to be purchased by the second terminal occurs, the specific product is stored in the company. Determining whether it corresponds to the usage restriction information, and if it does not correspond to the usage restriction information, the payment request from the amount transferred from the designated account of the first terminal by the second terminal in association with the service device; And requesting the service device to subtract the amount generated according to the request, and transmitting the details according to the payment request by the second terminal to the first terminal.

In addition, the financial service providing method and the integrated barcode providing method according to the above embodiments may be provided as a computer-readable recording medium recording a program for executing such a method.

According to the present invention, when a customer purchases an item at a specific store, the card information for receiving a discount and the card information for payment are integrated and provided as an integrated bar code, so that a payment service can be conveniently used, and one integrated It is convenient to discount and settle products of various companies at the same time with bar codes, and customers can pay for products using their own terminals, which can reduce the time required for purchasing products offline. The store owner or the clerk can also conveniently check the information about the product that the customer wants to purchase with his own terminal.

In addition, according to the present invention, even without access to a financial institution, a user can perform financial services between users while connected to a service device that provides a specific service to a user. Even without knowing the account information of other users subscribed to the same service, it is possible to perform a financial transaction such as account transfer in connection with the service device.

In addition, various effects other than the above-described effects may be directly or implicitly disclosed in the detailed description according to the embodiment of the present invention to be described later.

1 is a view showing the configuration of a financial, payment service providing system according to an embodiment of the present invention.

2 is a block diagram showing the configuration of a terminal according to the present invention.

3 is a block diagram showing the configuration of a service apparatus according to the present invention.

4 is a flowchart illustrating a method of operating a terminal for providing an integrated barcode for a payment service according to an exemplary embodiment of the present invention.

5 is a flowchart illustrating a method of operating a service apparatus for providing an integrated barcode for a payment service according to an exemplary embodiment of the present invention.

6A and 6B are exemplary diagrams for describing a method of providing an integrated barcode for a payment service according to an exemplary embodiment of the present invention.

7 is a flowchart illustrating a financial service providing method in a terminal according to an exemplary embodiment of the present invention.

8 is a flowchart illustrating a financial service providing method in a service apparatus according to an exemplary embodiment of the present invention.

9 is a data flowchart illustrating a financial service use registration procedure according to an embodiment of the present invention.

10 is a data flow diagram illustrating in more detail a method of providing a financial service according to an embodiment of the present invention.

11 is a data flow diagram for describing in more detail a method of providing a financial service according to another embodiment of the present invention.

12 is a data flow diagram illustrating a method of using a financial service performed between terminals according to an embodiment of the present invention.

FIG. 13 is a data flowchart illustrating a method of using a financial service performed between terminals according to another embodiment of the present invention. FIG.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, in the following description and the accompanying drawings, detailed descriptions of well-known functions or configurations that may obscure the subject matter of the present invention will be omitted. In addition, it should be noted that like elements are denoted by the same reference numerals as much as possible throughout the drawings.

The terms or words used in the specification and claims described below should not be construed as being limited to ordinary or dictionary meanings, and the inventors are appropriate as concepts of terms for explaining their own invention in the best way. It should be interpreted as meanings and concepts in accordance with the technical spirit of the present invention based on the principle that it can be defined. Therefore, the embodiments described in the present specification and the configuration shown in the drawings are only the most preferred embodiments of the present invention, and do not represent all of the technical ideas of the present invention, and various alternatives may be substituted at the time of the present application. It should be understood that there may be equivalents and variations.

Hereinafter, a terminal according to an embodiment of the present invention will be described as a representative example of a mobile communication terminal that can be connected to a communication network to perform a payment service using an integrated barcode, but the terminal is not limited to the mobile communication terminal and all information communication devices It can be applied to various terminals such as a multimedia terminal, a wired terminal, a fixed terminal, and an Internet Protocol (IP) terminal. In addition, the terminal may be a mobile phone, a portable multimedia player (PMP), a mobile internet device (MID), a smart phone, a desktop, a tablet computer, a notebook, a net book. And a mobile terminal having various mobile communication specifications, such as an information communication device.

Hereinafter, a financial settlement service providing system according to an exemplary embodiment of the present invention will be described.

1 is a view showing the configuration of a financial settlement service providing system according to an embodiment of the present invention.

Referring to FIG. 1, a system for providing a financial settlement service according to an embodiment of the present invention includes a terminal 10, a service device 20, a POS device 30, a payment device 40, and a financial service providing device 50. ) And the communication network 60.

According to an exemplary embodiment of the present invention, one or two terminals 10 may be used. For convenience of description, FIG. 1 illustrates a first terminal 10a and a second terminal 10b. When two terminals are required for the description of an embodiment of the present invention, the first terminal 10a and the second terminal 10b are divided and described. The operation of the embodiment will be described.

The processor mounted in the terminal 10 or the service apparatus 20 according to the present invention may process program instructions for executing the method according to the present invention. In one implementation, this processor may be a single-threaded processor, and in other implementations, the processor may be a multi-threaded processor. Furthermore, the processor is capable of processing instructions stored on memory or storage devices.

The communication network 60 performs a series of data transmission and reception operations for data transmission and information exchange between the terminal 10 and the service device 20. In particular, the communication network 50 may be used in various forms of communication networks, for example, wireless LAN (WLAN, Wireless LAN), Wi-Fi (Wi-Fi), Wibro, Wimax (Wimax), high speed downlink packet access ( Wireless communication methods such as HSDPA, High Speed Downlink Packet Access (HSDPA) or Ethernet, xDSL (ADSL, VDSL), Hybrid Fiber Coax (HFC), Fiber to The Curb (FTTC), and Fiber To The Home (FTTH) Wired communication can be used. On the other hand, the communication network 50 is not limited to the above-described communication method, and may include all other communication methods in addition to the above-described communication method well-known or to be developed in the future.

An integrated barcode providing system for a payment service according to an embodiment of the present invention will be described.

The terminal 10 is connected to the service device 20, the POS device 30, and the payment device 40 through the communication network 60 to transmit and receive all data related to providing an integrated barcode for payment service. In particular, the terminal 10 according to the present invention registers information for generating a personal barcode as the service apparatus 20 and receives a personal barcode generated by combining the information from the service apparatus 20. Subsequently, the terminal 10 receives user authentication code and discount card information, point accumulation information for each card, mileage accumulation information and payment means information corresponding to credit card, check card, gift card, and account transfer information from the service device 20. Personal barcodes containing the applied payment means codes are issued, stored and managed.

The terminal 10 recognizes a product barcode for a specific product and transmits the recognized product barcode to the service device 20. In addition, the terminal 10 receives an integrated barcode generated by mapping a product barcode and a personal barcode from the service apparatus 20, and performs payment through the payment apparatus 40 using the integrated barcode.

The service device 20 is connected to the terminal 10, the POS device 30, and the payment device 40 through the communication network 60 to transmit and receive all data related to providing an integrated barcode for a payment service. In particular, the service device 20 according to the present invention receives information for generating a personal barcode from the terminal 10. Here, the service device 20 to the terminal 10 for at least one of the discount card information, the point earning information for each card, mileage earning information and payment means information corresponding to credit card, check card, gift card, account transfer information Request information. In addition, the service device 20 receives corresponding information from the terminal 10 in response to the request.

The service device 20 checks priority information related to the preference of the customer (discount, mileage, payment, etc.) with respect to the payment method information from the terminal 10, and sets the payment priority by reflecting the preset priority information. . That is, the service device 20 may set the priority of the payment means preferred by the user, and set the payment rank by checking the discount card preference according to the remaining points.

The service device 20 issues a personal barcode by combining the received information. In this case, the service device 20 collects one or more pieces of user information, various card information, terminal information, password, and OTP code to perform authentication for each user's payment means, and authenticates the user based on the collected information. Generate the code. In addition, the service device 20 prioritizes the user's preference for the discount card information, the point accumulation information for each card, the mileage accumulation information, and the payment method information corresponding to the credit card, the check card, the gift card, and the account transfer information. It reflects the information and stores and manages the personal barcode issued for each user and the authentication information for each terminal user.

The service device 20 receives a barcode for a product from the terminal 10 or the POS device 30 capable of a barcode recognition function. In addition, the service device 20 generates an integrated barcode by mapping the issued personal barcode and a product barcode for a specific product. Here, the service device 20 generates an integrated barcode by combining a country code, a manufacturer code and a product code included in a product barcode, a user authentication code and a payment means code included in a personal barcode.

The service device 20 provides an integrated barcode to the terminal 10. Then, the service device 20 may interwork with the payment device 40 in performing the payment service using the integrated barcode according to the request of the first terminal 10a.

The POS device 30 is installed in an affiliated store, recognizes a product barcode for a specific product, collects product barcode information, and provides the information to the service device 20. In addition, the POS device 30 recognizes the integrated barcode according to the request of the terminal 10 and provides a payment service.

The payment device 40 is a server operated by a payment institution such as a financial institution, a credit card company, or a mobile communication company that performs authentication and payment approval related to mobile payment, and authenticates and pays an integrated barcode used by the terminal 10. Perform the approval task.

Now, a financial service providing system according to another embodiment of the present invention will be described.

Although the terminal 10 according to an embodiment of the present invention is not registered with a financial service providing apparatus 50 for providing a financial service in a state registered in advance in the financial service provided by the service apparatus 20 for providing a specific service, Through the service device 20, it is possible to use financial services between different terminals.

In addition, the terminal 10 according to an embodiment of the present invention can transfer the amount of money to another terminal in connection with the service device 20, for example, the first terminal 10a may transfer a certain amount of money to the second terminal 10b. In this case, the usage limit for the amount of money may be set together, and the second terminal 10b may be controlled to be used only for a predetermined place of use when the amount of money remitted from the first terminal 10a is used.

More specific operation of the terminal 10 will be described later.

On the other hand, the service device 20 refers to a device that provides a specific service to the plurality of terminals 10, for example, a device that provides an application-based service, such as a messenger application, or provides a specific service on the web, such as a blog service. do.

The service device 20 is a terminal 10 executing an application provided by the terminal 10 and a terminal 10 connected to a predetermined web space provided by the financial service providing apparatus 40 in connection with the financial service providing apparatus 40. It serves to provide.

To this end, the service device 20 may support the financial service use registration process and the financial service performance process of the terminal 10.

In addition, the financial service providing system according to an exemplary embodiment of the present invention may further include a financial service providing apparatus 50. The financial service providing apparatus 50 supports the financial service of the terminal 10 in association with the service apparatus 20. The financial service according to the embodiment of the present invention may correspond to, for example, a remittance service. In this case, the financial service providing apparatus 50 may be a financial institution such as a bank. In addition, the financial service according to an embodiment of the present invention is not limited to the remittance service, and may include a card payment service, a charging service, and the like. For example, in the case where it is desired to perform card payment according to the use of a card to a credit card company, it is assumed that a virtual friend corresponding to the credit card company is registered on the service device 20, and the card is the virtual friend. Card payment can be carried out by transferring the amount used. In addition, assuming that a virtual friend providing a rechargeable service such as a transportation card service is registered in the service device 20, a predetermined amount of money may be transferred to the virtual friend to continue using the rechargeable service. .

Hereinafter, for convenience of description, the financial service of the present invention will be described by taking a remittance service for another terminal as an example. As described above, the other terminal is not only acquaintance of the user of the terminal 10 but also provides a specific service. Keep in mind that you may be friends of.

Hereinafter, the main configuration and operation method of the terminal 10 according to an embodiment of the present invention.

2 is a block diagram illustrating a main configuration of a terminal according to an exemplary embodiment of the present invention illustrated in FIG. 1.

Referring to FIG. 2, the terminal 10 according to the present invention includes a communication unit 11, an input unit 12, a display unit 13, a storage unit 14, and a control unit 15. Here, the control unit 11 includes a barcode recognition module 15a, a payment execution module 15b, a financial service registration processing module 15c, and a financial transaction control module 15d.

The communication unit 11 performs a function for transmitting and receiving data through the service device 20, the POS device 30, the payment device 40, the financial service providing device 50, and the communication network 60. Here, the communication unit 11 includes RF transmitting means for up-converting and amplifying the frequency of the transmitted signal, and RF receiving means for low-noise-amplifying and down-converting the received signal. The communication unit 11 may include at least one of a wireless communication module (not shown) and a wired communication module (not shown). The wireless communication module is configured to transmit and receive data according to a wireless communication method. When the terminal 10 uses wireless communication, any one of a wireless network communication module, a wireless LAN communication module, and a wireless fan communication module may be used. Data may be transmitted and received to the service device 20. In addition, the wired communication module is for transmitting and receiving data by wire. The wired communication module may be connected to the communication network 60 through a wire to transmit / receive data to / from the service device 20. In particular, the communication unit 11 according to the present invention communicates with the service device 20 and the POS device 30 to transmit and receive data related to the payment service.

The input unit 12 receives various information such as numeric and text information, and transmits a signal input in connection with setting various functions and controlling functions of the terminal 10 to the controller 15. In addition, the input unit 12 may include at least one of a keypad and a touch pad generating an input signal according to a user's touch or manipulation. In this case, the input unit 12 may be configured in the form of a single touch panel (or touch screen) together with the display unit 13 to simultaneously perform input and display functions. In addition, the input unit 12 may be any type of input means that can be developed in the future, in addition to input devices such as a keyboard, a keypad, a mouse, a joystick, and the like. In particular, the input unit 12 according to the present invention detects all input signals related to the provision of payment service using the integrated barcode and transmits them to the control unit 15.

The display unit 13 displays information on a series of operation states and operation results generated during the functioning of the terminal 10. In addition, the display unit 13 may display a menu of the terminal 10 and user data input by the user. Here, the display unit 13 includes a liquid crystal display (LCD), an ultra-thin liquid crystal display (TFT-LCD, thin film transistor LCD), a light emitting diode (LED), an organic light emitting diode (OLED, Organic) LED), an active organic light emitting diode (AMOLED, Active Matrix OLED), a Retina display, a flexible display, and a three-dimensional display. In this case, when the display unit 13 is configured in the form of a touch screen, the display unit 13 may perform some or all of the functions of the input unit 12. In particular, the display unit 13 according to the present invention outputs all information related to the payment service providing using the integrated barcode.

The storage unit 14 is a device for storing data. The storage unit 14 includes a main memory device and an auxiliary memory device, and stores an application program necessary for a functional operation of the terminal 10. The storage unit 14 may largely include a program area and a data area. When the terminal 10 activates each function in response to a user's request, the terminal 10 executes corresponding application programs under the control of the controller 15 to provide each function. In particular, the storage unit 14 according to the present invention stores an operating system for booting the terminal 10, a program for generating a personal barcode, a program for collecting a product barcode, a program for performing a payment service, and the like. In addition, the storage unit 14 is a payment means code applied to the user authentication code and discount card information, the point earning information for each card, mileage earning information and payment method information corresponding to credit card, check card, gift card, account transfer information A personal barcode 14a is stored. In addition, the storage unit 14 stores user information, various card information, terminal information, passwords, and the like for authentication of payment means for each user.

In addition, the storage unit 14 according to an embodiment of the present invention may store and manage various information supporting the financial service providing method according to an exemplary embodiment of the present invention. For example, a user ID registered in the service device 20, a password for using the financial service provided by the service device 20, and a virtual key issued from the service device 20 after registering the use of the financial service may be stored and managed. have.

The controller 15 performs overall control of the terminal 10, in which at least one processor and at least one memory loading data including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) are loaded in hardware. It may include an execution memory (eg, a register and / or random access memory (RAM)) and a bus (BUS) for inputting and outputting at least one or more data into the processor and the memory. In addition, a predetermined program routine or program loaded into the execution memory from a predetermined recording medium and arithmeticly processed by the processor to perform a function (eg, a financial service function) defined in the terminal 10 by software. Including data. In other words, among the functions provided in the terminal 10 to process the financial service providing method according to an exemplary embodiment of the present invention, a component that can be processed by software may be determined as the function of the controller 15.

In particular, the control unit 15 according to an embodiment of the present invention registers information for generating a personal barcode as the service apparatus 20 and receives a personal barcode generated by combining the information from the service apparatus 20. Subsequently, the control unit 15 receives user authentication code and discount card information, card point accumulation information, mileage accumulation information and payment means information corresponding to credit card, check card, gift card and bank transfer information from the service device 20. Personal barcodes containing the applied payment means codes are issued, stored and managed.

The controller 15 recognizes a product barcode for a specific product and transmits the recognized product barcode to the service device 20. In addition, the controller 15 receives the integrated barcode generated by mapping the product barcode and the personal barcode from the service apparatus 20, and performs payment through the payment apparatus 40 using the integrated barcode.

In order to perform the function of the terminal 10 more effectively, the controller 15 according to the present invention includes a barcode recognition module 15a and a payment execution module 15b. In particular, the barcode recognition module 15a may recognize a product barcode for a specific product. Here, the barcode recognition module 15a may use a barcode reader or a camera for barcode recognition, and the recognized information may be provided to the service device 20. In addition, the payment performing module 15b provides a payment service using an integrated barcode received from the service device 20, and recognizes the integrated barcode through the POS device 30, and provides the payment service through the payment device 40. To perform.

In addition, the controller 15 may access the service device 20 to support the overall service usage process provided by the service device 20. For example, when the service device 20 provides an application-based messenger service, the controller 15 may control the overall process of executing the corresponding messenger application. In addition, when the service device 20 provides a web-based social network service, the controller 15 may drive a web browser and control the overall process of accessing the web service.

Then, the controller 15 is connected to the service device 20, in order to use the financial service based on the service device 20 according to a user's request, register the use of the financial service with the service device 20. You can control the entire process of registration by request. To this end, the controller 15 controls the process of inputting the financial information including the account information through the input unit 12 for the initial financial service use registration. Here, the financial information may further include financial institution information other than account information, official certificate information, a password for the account, and the like. In addition, when the financial service is a card payment service, card related information such as a card number and a card expiration date may be included. In this case, the controller 15 may control a process of using the registered financial information when the financial information is stored in the storage 14. For example, if the public certificate information is stored in the storage unit 14, the control unit 15 is a process of loading the public certificate information through the input unit 12, the password corresponding to the public certificate through the input unit 12 is The input process can be controlled. In addition, the storage unit 14 may control a process of loading card-related information registered on another service application such as a card application in association with the service application.

Thereafter, the controller 15 requests input of a password for using a financial service, and when the corresponding password is input, transmits the financial information and the password to the service device 20 through the communication unit 11. Here, the password is a password for using the financial service and means information that can be input separately from the password corresponding to the financial information.

In addition, the control unit 15 may transmit a user ID and terminal identification information previously registered to the service device 20 when the financial service use registration request is made to the service device 20. Here, the user ID may be any one of an application ID provided by the service device 20 and a member ID previously registered in the service device 20, and the service device 20 may be a terminal 10 instead of an application ID or a member ID. When user authentication is performed based on the phone number of), the user ID at this time may be a phone number. In addition, the terminal identification information may be terminal-specific information, such as an International Mobile Equipment Identity (IMEI).

Subsequently, when the financial service use registration completion message is received from the service device 20, the controller 15 confirms that the financial service use registration has been completed normally. In this case, the control unit 15 of the present invention may receive a virtual key together with the financial service use registration completion message from the service device 20, and store the received virtual key and use the same to authenticate a user in a financial transaction. You may request that this be done.

In addition, when the above-described financial information is input, the controller 15 may control a process in which a virtual friend corresponding to the financial information is registered in his friend list. For example, when the financial information is account information for the bank A, the controller 15 may control the bank A as a virtual friend to be registered in the friend list of the service device 20.

In addition, the controller 15 determines whether a predetermined condition for using a financial service is generated while being connected to the service device 20. Here, the preset condition may mean that a predefined keyword is input or received from another terminal. For example, the control unit 15 executes a messenger application provided by the service device 20 and is connected to the service device 20, and sends and receives 'accounts', It is determined whether a predetermined keyword such as 'transfer' is generated, and if it is determined that it is generated, the financial service operation is performed. That is, when a message 'I'll transfer 100,000 won' is transmitted from the user while the message is transmitted and received through the chat window screen, the controller 15 may have the keywords 'account', 'transfer', etc. specified in the message. In addition, by extracting the amount information (100,000 won) in the message, the amount information can be recognized as financial transaction information.

Therefore, it is possible to use the remittance service to another terminal more easily through a message generated while using the service provided by the service device 20 without any user input.

In addition, the controller 15 of the present invention may request and input a user's previously registered password for use of the financial service in the above-described process, and the service device 20 together with the financial transaction information described above. ), And transfers the amount corresponding to the amount information from the account previously registered in the financial service to the designated account of the other terminal.

At this time, the control unit 15 according to the terminal authentication result from the service device 20, the virtual device previously issued to the service device 20 or the password registered in advance by the user input at the time of registering the use of financial services service device ( 20). For example, when the terminal authentication success message is received from the service device 20, the controller 15 may request the virtual key based financial transaction support by transmitting the previously issued virtual key and financial transaction information to the service device 20. And, if the terminal authentication failure message is received from the service device 20, by requesting the user input of the password, and transmits the password input from the user to the service device 20 can request the password-based financial transaction support have. When the controller 15 requests the user to input the password, the controller 15 requests the input of the registered password when registering to use the financial service.

In addition, the control unit 15 according to the embodiment of the present invention may support the use of the financial service through a predetermined menu provided by the service device 20 other than the above-described process, and in a state of being connected to the service device 20. In addition to the generated message, it may support the input of financial transaction information including the amount of money information directly from the user, and transmit the input financial transaction information to the service device 20.

In addition, the control unit 15 according to an embodiment of the present invention requests the service device 20 to transfer the amount corresponding to the amount of money information from the specified account at the time of registering to use the financial service from the designated account to the designated account of the other terminal ( 20), the usage restriction information for limiting the use of the amount of money is set and transmitted to the service device 20 or the other terminal which has transferred the money, and interworking the service device 20 in the other terminal or The amount of money may be restricted according to the usage restriction information received.

More detailed operation of the control unit 15 according to an embodiment of the present invention as described above can be clearly understood through a flow chart to be described later, the control unit 15 according to an embodiment of the present invention as described above is It may be configured to include a financial service registration processing module 15c and a financial transaction control module 15d for performing a function. At this time, the financial service registration processing module 15c performs a function of requesting and processing a financial service use registration to the service device 20, and the financial transaction control module 15d performs financial service use while using the service device 20. Will be supported. In addition, although not shown in the drawing, a separate module for performing a function provided by the service device 20 may be further included.

As described above, main components of the terminal 10 have been described with reference to FIG. 2. However, not all components illustrated in FIG. 2 are essential components, and the terminal 10 may be implemented by more components than those shown, and the terminal 10 may be implemented by fewer components. It may be implemented. For example, the terminal 10 may further include a sound source output unit (not shown) for converting and outputting a sound source that is an electrical signal into an analog signal.

Hereinafter, the main configuration and operation method of the service device 20 according to an embodiment of the present invention will be described.

3 is a block diagram showing the configuration of the service apparatus 20 according to the present invention.

Referring to FIG. 3, the service device 20 according to the present invention includes a service control unit 21, a service storage unit 22, and a service communication unit 23. Here, the service control unit 21 includes a personal barcode generation module 21a and an integrated barcode generation module 21b.

The service control unit 21 may be a process device for driving the operating system and each component. In particular, the service control unit 21 according to an embodiment of the present invention receives information for generating a personal barcode from the terminal 10. Here, the service control unit 21 requests information on at least one of discount card information, point accumulation information for each card, mileage accumulation information, and payment method information corresponding to a credit card, a check card, a gift card, and a bank transfer information to the terminal. do. In addition, the service control unit 21 receives corresponding information from the terminal 10 in response to the request.

The service controller 21 checks the priority information related to the user's use preference with respect to the payment means information from the terminal 10 and sets the payment priority by reflecting the preset priority information. That is, the service control unit 21 may set the priority of the user's preferred payment means, and set the payment order by checking the discount card preference according to whether there are remaining points.

The service control unit 21 issues a personal barcode by combining the received information. At this time, the service control unit 21 collects at least one of user information, various card information, terminal information, password, OTP code in order to perform authentication for each user's payment means, and based on the collected information, user authentication Generate the code. In addition, the service control unit 21 prioritizes the user's preference for the discount card information, the point accumulation information for each card, mileage accumulation information and payment method information corresponding to the credit card, check card, gift card, and bank transfer information. It reflects the information and manages the personal barcode issued for each user and authentication information for each user.

The service control unit 21 receives a barcode for the product from the terminal 10 or the POS device 30 capable of a barcode recognition function. And, the service control unit 21 maps the issued personal barcodes and product barcodes for a particular product to generate an integrated barcode. Here, the service control unit 21 generates an integrated barcode by combining the country code, the manufacturer code and the product code included in the product barcode, the user authentication code and the payment means code included in the personal barcode.

The service control unit 21 provides the integrated barcode to the terminal 10. Then, the service controller 21 may interwork with the payment device 40 in performing the payment service using the integrated barcode according to the request of the terminal 10.

In order to more effectively perform such a function of the service apparatus 20, the service control unit 21 according to the present invention includes a personal barcode generation module 21a and integrated barcode generation module 21b. In particular, the personal barcode generation module 21a collects discount information, mileage information, payment means information for payment of goods for each user, generates a personal barcode for each customer based on the collected information, and generates a personal The barcode is provided to the user terminal 10. Here, the personal barcode is composed of a discount means code, a payment means code and a user authentication code, the discount means code includes discount card information, mileage credit card information, etc. applied to the product price, payment means code for payment of goods Credit card information, check card information, gift card information, prepaid card information, bank and account information for bank transfer, etc., the user authentication information, terminal information for secure payment, password, personal information, OTP code information, etc. It includes. In addition, the integrated barcode generation module 21b generates an integrated barcode by mapping and integrating a product barcode for a specific product collected from the user-specific personal barcode and the terminal 10 or the POS device 40. Here, the integrated barcode is composed of a product barcode and a personal barcode, the product barcode includes a product manufacturing country code, manufacturer code, product code, price code, verification code, etc., personal barcode is a discount means code, payment means code and user Contains an authorization code.

In addition, the service control unit 21 according to another embodiment of the present invention supports the use of the financial service of the terminal 10 through a service provided by the service controller 21. To this end, the service control unit 21 may control the financial service use registration process of the terminal 10 previously registered in its service. That is, the service controller 21 receives the financial information including the account information, the password for using the financial service, and the user ID from the one terminal 10 through the service communication unit 23. Check the user information corresponding to the user ID of the user ID), and transmit the financial information and the user information to the financial service providing apparatus 50 corresponding to the financial information through the service communication unit 23 to request user authentication. do. Thereafter, when a result message indicating that the user authentication is successful is received from the financial service providing apparatus 50, the terminal 10 controls the transmission of the financial service use registration completion message, and controls the terminal 10 to use the financial service. Will save the information. In this case, the service control unit 21 may request and receive the terminal identification information from the terminal 10 when storing the related information for using the financial service, and store the information with respect to the terminal used to register the use of the financial service. Here, the terminal identification information used for terminal authentication may be an International Mobile Equipment Identity (IMEI).

When the user controller succeeds in interworking with the financial service providing apparatus 50, the service controller 21 issues a virtual key corresponding to the financial information, and corresponds to the user ID. Control to be stored and provided to the terminal 10, and then control to be authenticated using a virtual key.

Subsequently, when financial transaction information including user ID and amount information of another terminal to perform a financial transaction is received from any one terminal 10 for which financial service use registration is completed, terminal authentication for the terminal 10 is performed. To perform. In this case, the terminal authentication for the terminal 10 is a procedure for determining whether the terminal used when registering to use the financial service is the same as the terminal that requested the financial transaction, and requests and receives terminal identification information for the terminal 10. It is determined whether the terminal identification information is the same as the terminal identification information used when registering the use of financial services. According to the result of the determination, the service controller 21 requests the virtual key from the terminal 10 or requests for the provision of a password, and receives the virtual key or password received from the terminal 10. It is determined whether it is a virtual key or a password registered during the use of financial services.

When the virtual key received from the terminal 10 is a virtual key previously issued by the service controller 21 or the password received from the terminal 10 is a password registered at the time of registering to use a financial service, the service controller 21 may be configured to be different. After confirming the financial information corresponding to the user ID of the terminal, the financial service providing apparatus 50 corresponding to the designated account to transfer the amount corresponding to the amount information from the designated account of the terminal to the designated account of the other terminal; You will be asked.

In addition, the service control unit 21 according to an embodiment of the present invention, when the usage restriction information is further received from the terminal 10 transfers the amount of money to the other terminal, payment for a specific product to be purchased from the other terminal When a request is made, it is determined whether the specific product corresponds to the usage restriction information, and if not, in association with the financial service providing apparatus 50, the control unit transfers the amount corresponding to the amount information. You may. More specifically, the control operation of the service control unit 21 may be clearly understood through the following flowchart.

The service control unit 21 of the present invention for performing the above function may include a service control module 21c and a financial transaction control module 21d. The service control module 21c performs various processes for service control provided by the service device 20, and the financial transaction control module 21d may be configured to perform financial transaction services generated during the use of the services provided by the service device 20 as described above. There will be various processing involved.

The service storage unit 22 stores all the programs according to the function execution of the service device 20. In particular, the service storage unit 22 according to the present invention stores a program for generating a personal barcode for each user, a program for collecting a product barcode, a program for generating an integrated barcode by mapping a personal barcode and a product barcode. In addition, the service storage unit 22 prioritizes the user's preferences for the discount card information, card point accumulation information, mileage accumulation information and payment method information corresponding to credit cards, check cards, gift cards, and bank transfer information. The personal barcode 22a issued for each user and the authentication information 22b for each user are stored in consideration of the ranking information.

In addition, the service storage unit 22 may store and manage various types of information received from the terminal 10 in the form of service subscription information 22a for using a service provided by the service storage unit 22. In addition, the service storage unit 22 may store and manage various pieces of information received from the terminal 10 for financial service use registration as financial transaction registration information 22b.

Such, the service storage unit 22 of the present invention may be a storage located in the service device 20, may be located outside the service device 20 may be a data storage server capable of transmitting and receiving data with the service device 20. have.

On the other hand, the memory mounted in the terminal 10 or the service device 20 stores information in the device. In one embodiment, the memory is a computer readable medium. In one implementation, the memory may be a volatile memory unit, and for other implementations, the memory may be a nonvolatile memory unit. In one embodiment, the storage device is a computer readable medium. In various different implementations, the storage device may include, for example, a hard disk device, an optical disk device, or some other mass storage device.

The service communication unit 23 has a function of transmitting and receiving all data related to providing the financial settlement service with the terminal 10, the POS device 30, the payment device 40, and the financial service providing device 50 through the communication network 60. To perform.

In particular, the service communication unit 23 of the present invention can transmit and receive various information generated for the use of the financial service with any one terminal 10, and for authentication of the financial service providing apparatus 50 and the terminal 10 Various information can be transmitted and received.

The main configuration and operation method of the service device 20 according to the embodiment of the present invention have been described above.

The service apparatus 20 according to the embodiment of the present invention has the same configuration as a conventional web server or a network server in hardware. However, software includes program modules implemented through languages such as C, C ++, Java, Visual Basic, Visual C, and the like. The service device 20 may be implemented in the form of a web server or a network server, which is generally connected to an unspecified number of clients and / or other servers via an open computer network such as the Internet, and which is a client or other web server. It refers to a computer system that accepts a request to perform a work and derives and provides a work result thereof, and a computer software (web server program) installed therefor. However, in addition to the above-described web server program, it should be understood as a broad concept including a series of application programs (Application Program) running on a web server and, in some cases, various databases built therein. The service device 20 uses a web server program that is variously provided according to operating systems such as DOS, Windows, Linux, UNIX, Macintosh, and the like for general server hardware. A typical example may be a website used in a Windows environment, a website used in a Windows environment, an Internet Information Server (IIS), a CERN used in a UNIX environment, an NCSA, an APPACH, or the like. In addition, the service device 20 may classify service subscription information, store and manage the service subscription information in a member database, and the database may be implemented inside or outside the service device 20. In this case, the database implemented in the service device 20 may be a service storage unit 22.

In addition, the service device 20 of the present invention may be implemented as one or more servers operating in a server-based computing or cloud. In particular, the information transmitted and received through the financial settlement service system may be provided through a cloud computing function that may be permanently stored in a cloud computing device on the Internet. Here, cloud computing utilizes Internet technologies in digital terminals such as desktops, tablet computers, laptops, netbooks, and smartphones to virtualize information technology (IT) resources such as hardware (servers, storage, networks, etc.) and software. It refers to a technology that provides services on demand (database, security, web server, etc.), services, and data. In the present invention, all the information transmitted and received between the one or more terminals 10 and the service device 20 is stored in a cloud computing device on the Internet, and can be transmitted anytime, anywhere.

In addition, the term '~ module' used in the embodiment of the present invention refers to a software component, '~ module' plays a role. By way of example, a '~ module' may include components such as software components, object-oriented software components, class components, and task components, and processes, functions, properties, procedures, and subs. Routines, segments of program code, drivers, data, databases, data structures, tables, arrays, and variables. In addition, the functions provided in the components and '~ modules' may be combined into a smaller number of components and '~ modules' or further separated into additional components and '~ modules'.

Although the specification and drawings describe exemplary device configurations, the functional operations and subject matter implementations described herein may be embodied in other types of digital electronic circuitry, or modified from the structures and structural equivalents disclosed herein. It may be implemented in computer software, firmware or hardware, including, or a combination of one or more of them. Implementations of the subject matter described herein relate to one or more computer program products, ie computer program instructions encoded on a program storage medium of tangible type for controlling or by the operation of an apparatus according to the invention. It may be implemented as the above module. The computer readable medium may be a machine readable storage device, a machine readable storage substrate, a memory device, a composition of materials affecting a machine readable propagated signal, or a combination of one or more thereof.

Referring to FIG. 4, the terminal 10 registers information for generating a personal barcode as the service apparatus 20 and issues a personal barcode generated by combining the information from the service apparatus 20. (S11 to S13). Subsequently, the terminal 10 receives user authentication code and discount card information, point accumulation information for each card, mileage accumulation information and payment means information corresponding to credit card, check card, gift card, and account transfer information from the service device 20. Personal barcodes containing the applied payment means codes are issued, stored and managed.

The terminal 10 recognizes a product barcode for a specific product, and transmits the recognized product barcode to the service device 20 (S15 to S17). In addition, the terminal 10 receives an integrated barcode generated by mapping a product barcode and a personal barcode from the service apparatus 20 and performs a payment through the payment apparatus 40 using the integrated barcode (S19 to S21). .

5 is a flowchart illustrating a method of operating a service apparatus for providing an integrated bar code for a payment service according to an embodiment of the present invention, and FIGS. 6A and 6B illustrate a method for providing an integrated bar code for a payment service according to an embodiment of the present invention. It is also an example for explaining.

Referring to FIG. 5, the service apparatus 20 according to an embodiment of the present invention requests information for generating a personal barcode to the terminal 10 in step S31. Here, the service device 20 to the terminal 10 for at least one of the discount card information, the point earning information for each card, mileage earning information and payment means information corresponding to credit card, check card, gift card, account transfer information Request information. In operation S33, the service device 20 receives information for generating a personal barcode from the terminal 10.

In operation S35, the service apparatus 20 checks priority information related to the user's use preference with respect to the payment means information from the terminal 10, and sets the payment priority by reflecting preset priority information. That is, the service device 20 may set the priority of the payment means preferred by the user, and set the payment rank by checking the discount card preference according to the remaining points.

The service device 20 issues a personal barcode by combining the information received in step S37. At this time, the service device 20 collects one or more pieces of user information, various card information, terminal information, password, OTP code for authentication of the payment means for each user, and based on the collected information Create In addition, the service device 20 prioritizes the user's preference for the discount card information, the point accumulation information for each card, the mileage accumulation information, and the payment method information corresponding to the credit card, the check card, the gift card, and the account transfer information. It reflects the information and stores and manages the personal barcode issued for each user and the authentication information for each terminal user. For example, as shown in FIG. 6A, the personal barcode is composed of a discount means code 601, a payment means code 603, and a user authentication code 605. Here, the discount means code 601 includes discount card information, mileage accumulation card information, etc. applied to the product price, payment means code 603 is credit card information, check card information, gift card information, It includes prepaid card information, bank and account information for bank transfer, and the user authentication information 605 includes terminal information, password, personal information, and OTP code information for secure payment.

The service device 20 checks whether a product barcode for a specific product is received in step S39. Here, the service device 20 may receive a barcode for the product from the terminal 10 or the POS device 30 capable of a barcode recognition function.

When the product barcode is received, the service device 20 generates an integrated barcode by mapping a personal barcode issued in step S41 and a product barcode for a specific product. Here, the service device 20 generates an integrated barcode by combining a country code, a manufacturer code and a product code included in a product barcode, a user authentication code and a payment means code included in a personal barcode. For example, as shown in FIG. 6B, the integrated barcode consists of a merchandise barcode 611 and a personal barcode 613. In this case, the product barcode includes a product manufacturing country code, a manufacturer code, a product code, a price code, a verification code, and the like, and the personal barcode 613 is a discount means code 601 and a payment means as described above with reference to FIG. 6A. Code 603 and user authentication code 605.

The service device 20 provides the integrated barcode to the terminal 10 in step S43. Then, the service device 20 may interwork with the payment device 40 in performing a payment service using the integrated barcode according to the request of the terminal 10.

7 is a flowchart illustrating a financial service providing method in a terminal according to another embodiment of the present invention.

Referring to FIG. 7, the terminal 10 according to an embodiment of the present invention first performs a procedure of accessing the service device 20 (S101). For example, the terminal 10 executes an application provided by the service device 20 according to a user's request, or performs a procedure for accessing a predetermined web space provided by the service device 20. When the financial service use registration request is generated by the user in the state of being connected to the service device 20 according to the performance of the procedure (S103), the procedure for registering the financial service use is performed on the service device 20. Here, the financial service use registration request may be a predetermined menu input for the user to register the financial service use, the user makes a financial service use request, the terminal 10 is linked with the service device 20 to the user The procedure may include checking whether the user is a registered user in the financial service. In addition, the terminal 10 may include a procedure for checking whether a virtual key issued after the financial service registration is completed is stored. In addition, the financial service use registration procedure may be performed once.

In order to proceed with such financial service use registration, the terminal 10 transmits the financial information and the password input from the user to the service device 20 (S105 to S107). In this case, the terminal 10 may transmit a user ID and terminal identification information previously registered in the service device 20. Here, the financial information may further include financial institution information other than account information, official certificate information, a password for the account, and the like. In addition, when the financial service is a card payment service, card related information such as a card number and a card expiration date may be included. In addition, when there is previously stored financial information, for example, when there is financial information registered on another service application, the terminal 10 may use the previously stored financial information even if there is no user input.

When the normal financial service use registration is completed by the service device 20, the financial service use registration completion message is received from the service device 20, and at this time, the virtual key is received (S109).

In addition, when the terminal 10 displays a list of other terminals registered in the service apparatus 20 (S111), any one terminal is selected by the user (S113), and a financial service use request is generated. (S115) The terminal identification information is transmitted to the service device 20 (S117). The service device 20 that has received this performs the authentication process for the terminal (S119). When the result message, that is, the terminal authentication success message or the terminal authentication failure message is received from the service device 20, the terminal 10 receives the message. Accordingly, the virtual key based financial transaction may be requested (S121a) or the password based financial transaction may be requested (S121b).

Thereafter, the terminal 10 may receive a financial transaction result message from the service device 20 (S122).

Hereinafter, a method of providing a financial service in the service device 20 will be described.

8 is a flowchart illustrating a financial service providing method in a service apparatus according to another exemplary embodiment.

Referring to FIG. 8, the service device 20 according to an embodiment of the present invention receives a financial service use registration request including financial information, a password, and a user ID from any one of the connected terminals 10 (S201). ). At this time, the terminal identification information may be further received. Thereafter, the service device 20 checks the user ID and checks the financial service providing device 50 corresponding to the account by using the financial information including the received account information (S203 to S205). In addition, a user authentication is requested to the confirmed financial service providing apparatus 50 (S207). If authentication is successful (S209), the financial information, password, and user ID received from the terminal 10 are registered (S211). In this case, the service device 20 may obtain and store terminal identification information used when registering to use financial services. Thereafter, the service device 20 may issue a virtual key in response to the financial information and transmit the virtual key to the terminal 10 (S213). Thereafter, the service device 20 transmits a message for notifying that the financial service use registration is completed to the terminal 10.

Thereafter, when a financial transaction request is received from the terminal 10 (S215), the service device 20 performs a terminal authentication process (S217). Here, the terminal authentication process is obtained by the service device 20 by requesting the terminal identification information of the terminal 10, and using the terminal identification information obtained by using the terminal identification information used in the service use registration process when registering the financial service use; It can be done through the match.

That is, when the user requests a financial transaction from the terminal used when registering to use the financial service, the service device 20 supports the virtual key based financial transaction (S221a). On the other hand, when a user requests a financial transaction from a terminal other than the terminal used to register the financial service use, the terminal does not have a virtual key, and thus the financial transaction is performed based on the password used to register the financial service use. It will be supported (S221b).

Thereafter, the service device 20 performs a financial transaction in association with the financial service providing device 50 and transmits a financial transaction result message to the terminal 10 (S223).

Hereinafter, the above-described process of the present invention will be described in more detail.

9 is a data flowchart illustrating a financial service use registration procedure according to another embodiment of the present invention.

Referring to FIG. 9, the financial service according to an exemplary embodiment of the present invention is not linked with the terminal 10 and the financial service providing device 50 but with the service device 20. To this end, first, the terminal 10 must be connected to the service device 20, and must be registered in advance in the financial service provided by the service device 20.

To this end, the terminal 100 when the financial service use registration request is generated in response to the user's request (S303), the service device 20 performs a procedure for registering the financial service use. That is, the user requests input of a password for using a financial service, requests input of financial information including account information, and the like, when a password and financial information are input (S305), the terminal 10 services the service. To the device 20. In this case, the terminal 10 may further include a user ID and terminal identification information registered in advance in the service device 20.

The service device 20 checks the user ID of the terminal 10 and the user information on the user ID (S309), and after confirming the financial service providing device 50 corresponding to the financial information (S311), the corresponding finance. The user authentication is requested to the service providing apparatus 50 (S313). In this case, the service device 20 may request user authentication by transmitting user information and financial information to the financial service providing device 50.

The financial service providing apparatus 50 which has received this may compare the information received from the service apparatus 20 with the information previously registered in the self, and perform user authentication through matching or not, and service the result thereof. It can transmit to the device 20 (S315 ~ S317).

The service device 20 receiving this checks whether the user authentication is normally performed, and if it is confirmed that the authentication is successful (S319), it registers the information received from the terminal 10 and issues and stores a virtual key ( S323).

Here, the virtual key may be generated based on financial information, that is, account information, and information transmitted and received between the terminal 10 and the service device 20 may be encrypted and decrypted using the virtual key. .

Thereafter, the service device 20 transmits the financial service use registration completion message including the virtual key to the terminal 10 (S325) and stores related information. In this case, the service device 20 requests and obtains terminal identification information, and stores the obtained terminal identification information together so as to be used in a terminal authentication process later.

In addition, the terminal 10 receiving the virtual key from the service device 20 stores the virtual key to complete the financial service use registration.

Hereinafter, the financial service providing method will be described in detail.

Referring to FIG. 10, in a state in which the terminal 10 is connected to the service apparatus 20, the terminal 10 may display a list of other terminals previously registered in the same service apparatus 20 (S401 to S403). The other terminal may be an acquaintance of a user registered by the terminal 10. It can also be a virtual friend who provides a specific service.

Subsequently, in a state where another terminal for performing a financial transaction is selected (S405), when a financial service use request is generated (S407), the terminal 10 transmits terminal identification information to the service device 20 (S409). Terminal authentication will be requested. The service device 20 that receives this is to perform a terminal authentication process (S411), where the terminal authentication process indicates whether the terminal 10 requesting the use of the financial service is the same as the terminal used when registering to use the financial service. This can be a verification process.

Thus, when the terminal 10 is the same as the terminal used when registering to use the financial service, the service device 20 transmits a terminal authentication success message to the terminal 10 (S413), and the terminal 10 transmits the financial transaction information. It is input (S415).

Here, whether or not the request for using the financial service is generated may be determined by determining whether a predetermined condition for using the financial service occurs. For example, while the terminal 10 is connected to the service apparatus 20 by executing a messenger application provided by the service apparatus 20, the 'account' during the transmission and reception of a message with a specific counterpart terminal through a chat window screen, When a predefined keyword such as 'transfer' occurs, it can be confirmed that a request for using a financial service is generated.

In addition, financial transaction information including price information may also be extracted based on a message transmitted and received with the other terminal.

When this information is confirmed, the terminal 10 transmits another terminal user ID, the input financial transaction information, and a virtual key to the service device 20 (S417), and the service device 20 receiving the information receives the other terminal of the other terminal. By checking the financial information corresponding to the user ID (S419), it is determined whether the user of the other terminal is a normal user (S421), and if it is not a normal user, and transmits a transaction impossible guide message to the terminal (10). (S423). On the other hand, if the registered user is a normal user, the financial information corresponding to the virtual key is checked (S425). Here, since the virtual key is not information input by the user, but is pre-stored in the terminal 10, the service device 20 may determine that the financial user corresponding to the virtual key exists as a normal user. In addition, the service device 20 transmits the information received from the terminal 10 to the financial service providing apparatus 50 corresponding to the financial information of the terminal 10 to register the amount corresponding to the amount information with the financial service. In this account, it is requested to transfer to the designated account of the other terminal (S427 ~ S429).

The financial service providing apparatus 50 which has received this process the request (S429), and transmits the financial transaction result message thereof to the service apparatus 20 (S431), and the service apparatus 20 receives the received financial transaction result. The message is transmitted to the terminal 10 (S433).

On the contrary, a processing method when the terminal requesting the financial transaction is not the terminal used when registering to use the financial service will be described with reference to FIG. 11.

Referring to FIG. 11, as described with reference to FIG. 10, in a state in which the terminal 10 is connected to the service apparatus 20, the terminal 10 may display a list of other terminals previously registered in the same service apparatus 20. (S701-S703). Subsequently, in a state where another terminal for performing a financial transaction is selected (S705), when a financial service use request is generated (S707), the terminal 10 transmits terminal identification information to the service device 20 (S709). Terminal authentication will be requested. The service device 20 receiving this will perform a terminal authentication process (S711).

Therefore, when the terminal 10 is not the same as the terminal used when registering to use the financial service, the service device 20 transmits a terminal authentication success message to the terminal 10 (S713), and the terminal 10 performs a financial transaction. Information is entered (S715). At this time, since the terminal 10 requesting the financial transaction is not a terminal used when registering to use financial services, the terminal 10 does not store a virtual key issued when registering to use financial services. Therefore, since the virtual key-based financial transaction is impossible, the terminal 10 requests the user to input the password input when registering to use the financial service, and transmits the input password to the service device 20 together with the financial transaction information. (S717). Upon receiving this, the service device 20 checks the financial information corresponding to the user ID of the other terminal (S719), and determines whether the user of the other terminal is a normal user (S721). In step S723, a transaction impossible guide message is transmitted to the terminal 10. On the other hand, if the registered user is a normal user, the terminal 10 checks the financial information and password corresponding to the user ID (S725), the transmitted password and the password entered and registered at the financial service use registration is After checking whether it matches (S727), if not, transmits a transaction impossible guide message to the terminal 10 (S729), and if it matches, to the financial service providing apparatus 50 corresponding to the financial information of the terminal 10; The information received from the terminal 10 is transmitted to request to transfer the amount corresponding to the amount information from the account previously registered in the financial service to the designated account of the other terminal (S731).

The financial service providing device 50 receiving the request processes the request (S733), transmits a financial transaction result message to the service device 20 (S735), and the service device 20 receives the received financial transaction result. The message is transmitted to the terminal 10 (S737). In addition, since the financial transaction is performed at a terminal other than the terminal used to register the financial service use, the service device 20 may notify the terminal used at the financial service use registration to inform the information on the transaction content (S739).

In addition, after performing terminal authentication in FIG. 10 and FIG. 11, the financial transaction information is received from the terminal 10 as an example, but is not limited thereto. When the financial transaction information is received, the service device 20 requests and acquires terminal identification information of the terminal 10, performs authentication on the terminal 10, and then registers a secret registered according to the authentication result. After requesting and receiving the transmission of the number or the virtual key to the terminal 10, it may be used to support financial transactions.

Through this process, the terminal 10 may transfer a predetermined amount of money to the second terminal 10b according to a request of another terminal, for example, the first terminal 10a shown in FIG. 1. 10b) may use the transferred amount as virtual currency. When the use of the transferred money occurs in the second terminal 10b, the service device 20 may notify the first terminal 10a of the transfer.

This will be described with reference to FIG. 12.

12 is a data flow diagram for explaining a method of using a financial service performed between terminals according to another embodiment of the present invention.

Referring to FIG. 12, as described above, the first terminal 10a may transfer a predetermined amount to an account of the second terminal 10b in cooperation with the service apparatus 20 (S501). In addition, the first terminal 10a may transmit the account transfer result message to the second terminal 10b through a service provided by the service device 20. For example, when the service device 20 provides a messenger service, the first terminal 10a may transmit a transfer account result message to the second terminal 10b through the messenger service (S503).

In addition, the second terminal 10b may perform payment for the purchased product within the transferred amount limit. That is, when a purchase for a specific product is generated (S505), the payment can be performed by subtracting the amount transferred by the generated purchase amount (S507), so that the details thereof can be notified to the first terminal 10a. (S509). Through this, the first terminal 10a can easily check the usage history of the amount remitted to the second terminal 10b.

In addition, the first terminal 10a according to an embodiment of the present invention may control the use of the amount of money by setting usage restriction information when a predetermined amount of money is transferred to the second terminal 10b.

This will be described with reference to FIG. 13.

FIG. 13 is a data flowchart illustrating a financial service using method performed between terminals according to another exemplary embodiment of the present invention.

Referring to FIG. 13, the first terminal 10a may transfer a predetermined amount of money to an account of the second terminal 10b in cooperation with the service apparatus 20 (S601). In operation S603, the first terminal 10a may set usage restriction information. For example, it may be set such that use of a specific product such as game item purchase or alcohol purchase is restricted.

The first terminal 10a transmits the usage restriction information and the account transfer result message set through the service provided by the service device 20 to the second terminal 10b (S605). For example, when the service device 20 provides a messenger service, the first terminal 10a may set usage restriction information through the messenger service and transmit the usage restriction information and the transfer account result message to the second terminal 10b. There is (S605).

In addition, the second terminal 10b may perform payment for the purchased product within the transferred amount limit. That is, when a purchase for a specific product is generated (S607), it is checked whether the purchased product is a product included in the usage restriction information (S609) and, if applicable, the second terminal 10b of the user. The processing may be performed so that the purchase is not made, and the first terminal 10a may be controlled to inform the first terminal 10a that the user has attempted to purchase the product corresponding to the usage restriction information (S611).

On the other hand, in step S609, if the usage restriction information does not correspond, the second terminal 10b may perform payment by subtracting from the amount transferred by the purchase amount generated as described above (S613) This can be notified to the first terminal 10a (S615).

The financial settlement service providing method according to an embodiment of the present invention has been described above.

The financial service providing method of the present invention as described above may be provided in the form of a computer readable medium suitable for storing computer program instructions and data. In this case, a computer-readable medium suitable for storing computer program instructions and data may include, for example, a magnetic medium such as a hard disk, a floppy disk, and a magnetic tape, and a compact disk read only memory (CD-ROM). , Optical media such as Digital Video Disk (DVD), magneto-optical media such as Floppy Disk, and ROM (Read Only Memory), RAM And a semiconductor memory such as a random access memory, a flash memory, an erasable programmable ROM (EPROM), and an electrically erasable programmable ROM (EEPROM). The processor and memory can be supplemented by or integrated with special purpose logic circuitry. Examples of program instructions may include high-level language code that can be executed by a computer using an interpreter as well as machine code such as produced by a compiler. Such hardware devices may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

Although the specification includes numerous specific implementation details, these should not be construed as limiting to any invention or the scope of the claims, but rather as a description of features that may be specific to a particular embodiment of a particular invention. It must be understood. Certain features that are described in this specification in the context of separate embodiments may be implemented in combination in a single embodiment. Conversely, various features that are described in the context of a single embodiment can also be implemented in multiple embodiments individually or in any suitable subcombination. Furthermore, while the features may operate in a particular combination and may be initially depicted as so claimed, one or more features from the claimed combination may in some cases be excluded from the combination, the claimed combination being a subcombination Or a combination of subcombinations.

Likewise, although the operations are depicted in the drawings in a specific order, it should not be understood that such operations must be performed in the specific order or sequential order shown in order to obtain desirable results or that all illustrated operations must be performed. In certain cases, multitasking and parallel processing may be advantageous. Moreover, the separation of the various system components of the above-described embodiments should not be understood as requiring such separation in all embodiments, and the described program components and systems will generally be integrated together into a single software product or packaged into multiple software products. It should be understood that it can.

The present invention issues a personal barcode for each user, generates an integrated barcode by mapping a personal barcode and a product barcode for a specific product, and performs payment using the integrated barcode. Accordingly, when a customer purchases an item at a specific store, the card information for discount and the card information for payment are integrated and provided as an integrated bar code, so that a payment service can be conveniently used and a single integrated bar code is provided. It is convenient to discount and settle goods of various companies at the same time, and customers can make payments by using their own terminals, which can reduce the time required for purchasing products offline, and store managers of merchants. Or the clerk can conveniently check the information about the product that the customer wants to purchase with his own terminal.

In addition, the present invention provides a financial service that can perform financial services between users in a state of being connected to a service device that provides a specific service to a user even without accessing a financial institution, thereby providing a specific service to a user even without accessing a financial institution. It is possible to perform financial services between users while connected to a service device that provides a, thereby contributing to the development of the service industry.

In addition, the present invention has industrial applicability because the present invention is not only sufficiently commercially available or commercially viable, but also practically clearly implemented.

Claims

A service communication unit communicating with at least one terminal and a POS device to transmit and receive data related to a payment service; And

Receiving information for generating a personal barcode from a first terminal, issuing a personal barcode by combining the received information, and generating an integrated barcode by mapping the issued personal barcode and a product barcode for at least one product; A service control unit controlling to provide the integrated barcode to the terminal;

Service apparatus comprising a.
The method of claim 1,

It is issued for each user by reflecting priority information related to user's preference for discount card information, point accumulation information for each card, mileage accumulation information and payment method information corresponding to credit card, check card, gift card, and bank transfer information. A service storage unit storing personal barcodes and authentication information for each terminal user;

Service device characterized in that it further comprises.
Communication unit for communicating with the service device and the POS device for transmitting and receiving data related to the payment service; And

Registering information for generating a personal barcode to the service device, receiving a personal barcode generated by combining the information from the service device, integrated barcode generated by mapping the product barcode and the personal barcode for at least one product A control unit for receiving from the service device and controlling payment using the integrated barcode;

Terminal comprising a.
The method of claim 3, wherein the control unit

Personal barcode including a user authentication code and discount card information, card point accumulation information, mileage accumulation information and payment method information applied to credit card, check card, gift card, and bank transfer information from the service device. Receiving a terminal, characterized in that for storing it.
Receiving, by the service apparatus, information for generating a personal barcode from at least one terminal;

The service device issuing a personal barcode by combining the received information;

Generating, by the service device, an integrated barcode by mapping the issued personal barcode and a product barcode for at least one product; And

Providing, by the service apparatus, the integrated barcode to a terminal;

Integrated bar code providing method for a payment service comprising a.
The method of claim 5, wherein the receiving step

Requesting, by the service device, the terminal for information on at least one of discount card information, card point accumulation information, mileage accumulation information, and payment means information corresponding to a credit card, check card, gift card, and bank transfer information; And

Receiving, by the service apparatus, the information from the terminal in response to the request;

Integrated bar code providing method for a payment service comprising a.
The method of claim 5, wherein the receiving step

Checking, by the service apparatus, priority information related to a user's usage preference with respect to payment means information from the terminal; And

Setting, by the service apparatus, a payment priority by reflecting preset priority information;

Integrated bar code providing method for a payment service comprising a.
The method of claim 5, wherein issuing the personal barcode

Collecting, by the service apparatus, at least one of user information, various card information, terminal information, password, and OTP code for authentication of payment means for each user; And

Generating, by the service apparatus, a user authentication code based on the collected information;

Integrated bar code providing method comprising a further.
The method of claim 5, wherein the generating step

The integrated bar code for the payment service, characterized in that the service device generates a combined barcode by combining the country code, the manufacturer code and the product code included in the product barcode, the user authentication code and payment means code included in the personal barcode How to Provide.
The method of claim 5, wherein after the providing step,

Interworking with a payment device, when the service device performs a payment service using an integrated barcode according to a request of the terminal;

Integrated bar code providing method for a payment service, characterized in that it further comprises.
Registering, by the terminal, information for generating a personal barcode as a service device;

Receiving, by the terminal, a personal barcode generated by combining the information from the service device;

Receiving, by the terminal, an integrated barcode generated by mapping a product barcode for the at least one product and the personal barcode from the service device; And

The terminal performing a payment using the integrated barcode;

Integrated bar code providing method for a payment service comprising a.
Communication unit for transmitting and receiving information with the service device; And

In the state of being connected to the service device, if a predetermined condition for using the financial service occurs, the communication unit is provided with the financial transaction information including the user ID and the amount information of the other terminal registered in the service device to perform a financial transaction The amount of money is transmitted to the service device through the terminal, and according to a terminal authentication result at the service device, the virtual key previously issued from the service device or a password registered at the time of registration of the financial service use is transmitted to the service device. A control unit for requesting to transfer an amount corresponding to the information from an account previously registered to the financial service to a designated account of the other terminal;

Terminal comprising a.
The method of claim 12,

The control unit

In order to use the financial service, while connected to the service device, financial information including account information, a password for using the financial service, and a user ID of the user are transmitted to the service device through the communication unit to use the financial service. And requesting registration, and receiving a financial service use registration completion message from the service device through the communication unit.
The method of claim 13,

The control unit

The virtual device is further received from the service apparatus together with the financial service use registration completion message, and the received virtual key is stored. When the terminal authentication success message is received according to the terminal authentication result at the service apparatus, the virtual key is stored. And transmitting to the service device to request the virtual key based financial transaction to be made.
The method of claim 12,

The user ID is

And an application ID provided by the service device, a member ID previously registered in the service device, and a phone number.
The method of claim 12,

The control unit

After requesting the service apparatus to transfer the amount corresponding to the amount information from the account to the designated account of the other terminal, the service apparatus or the other terminal is set by setting usage restriction information for limiting the use of the amount. Terminal for controlling the transmission to.
The method of claim 12,

Preset conditions for using the financial service is

And a predetermined keyword is input or received from the other terminal while connected to the service device.
The method of claim 12,

Financial transaction information including the amount information is

And information extracted based on a message generated in a state of being connected to the service device.
A service communication unit for transmitting and receiving information with at least one terminal and at least one financial service providing apparatus; And

When the financial transaction information including the user ID and the amount information of the other terminal to perform the financial transaction from any one of the connected terminals is received through the service communication unit, the terminal authentication for the terminal is performed, and the terminal authentication result is determined. Accordingly, the service communication unit requests and receives the pre-issued virtual key or pre-registered password through the service communication unit, and the virtual key or password received from the terminal is pre-issued virtual key or pre-registered password. If it is matched with, and after confirming the financial information corresponding to the user ID of the other terminal, corresponding to the designated account of the terminal to transfer the amount corresponding to the amount information from the designated account of the terminal to the designated account of the other terminal Service requests to financial service providers part;

Service device comprising a.
The method of claim 19,

The service control unit

When the financial information including the account information, the password for using the financial service, and the user ID of the terminal are received from the terminal, the user information corresponding to the user ID of the terminal is checked, and the financial information is received through the service communication unit. Sending the financial information and the user information to the financial service providing apparatus corresponding to the user authentication request, and if the user authentication is successful, to control to transmit a financial service use registration complete message to the terminal through the service communication unit Service device, characterized in that.
The method of claim 20,

The service control unit

If the user authentication is successful in conjunction with the financial service providing apparatus, a service device, characterized in that for issuing a virtual key corresponding to the financial information and transmitting it to the terminal.
The method of claim 19,

The service control unit

When the usage restriction information is received from the terminal, when a payment request for a specific product to be purchased from the other terminal occurs, it is determined whether the specific product corresponds to the usage restriction information. The service apparatus of claim 1, wherein the service apparatus controls the transfer of the amount corresponding to the amount information in association with the financial service providing device.
The method of claim 19,

The service control unit

If terminal authentication fails by performing terminal authentication on the terminal, requesting and receiving a pre-registered password from the terminal and receiving the received password, and if the password received from the terminal matches the registered password, At the request of the terminal, after requesting the financial service providing apparatus corresponding to the designated account of the terminal to transfer the amount corresponding to the amount information from the designated account of the terminal to the designated account of the other terminal, And notifying information on the financial transaction to a registered terminal.
Determining whether a predetermined condition for using a financial service occurs while the terminal is connected to a service device;

If a predetermined condition occurs, transmitting, by the terminal, financial transaction information including user ID and amount information of another terminal to perform a financial transaction to the service device; And

According to a terminal authentication result in the service device, the terminal transmits a previously issued virtual key or a pre-registered password to the service device, and transfers the amount corresponding to the amount information from the designated account to the designated account of the other terminal. Requesting to be transferred to;

Financial service providing method comprising a.
The method of claim 24,

Before the determining step,

Requesting a financial service use registration by transmitting financial information including account information, a password for using a financial service, and a user ID to the service device while being connected to the service device; And

Receiving, by the terminal, a financial service use registration completion message from the service device;

Financial service providing method comprising the more.
Receiving financial transaction information including user ID and amount information of another terminal to perform a financial transaction from any one terminal to which the service apparatus is connected;

Performing, by the service apparatus, terminal authentication for the terminal and requesting and receiving a virtual key or a registered password previously issued to the terminal according to a terminal authentication result;

Checking, by the service apparatus, financial information corresponding to a user ID of the other terminal when the virtual key or password received from the terminal matches a previously issued virtual key or a registered password; And

Requesting, by the service apparatus, a financial service providing apparatus corresponding to the designated account so that the amount corresponding to the amount information is transferred from the designated account of the terminal to the designated account of the other terminal;

Financial service providing method comprising a.
The method of claim 26,

Prior to the receiving step,

Receiving, by the service apparatus, financial information including account information, a password for using a financial service, and a user ID of the terminal from the terminal;

Confirming, by the service apparatus, user information corresponding to the user ID of the terminal;

Transmitting, by the service apparatus, the financial information and the user information to a financial service providing apparatus corresponding to the financial information, requesting user authentication; And

When the service device receives a user authentication success message from the financial service providing device, transmitting a financial service use registration completion message to the terminal;

Financial service providing method comprising the more.
The method of claim 27,

The step of transmitting the financial service use registration complete message is

When the service device receives a user authentication success message from the financial service providing device, issuing a virtual key corresponding to the financial information;

Storing, by the service device, the issued virtual key corresponding to the user ID; And

Transmitting, by the service apparatus, a financial service use registration completion message including the virtual key to the terminal;

Financial service providing method comprising a.
Displaying a list of a plurality of other terminals registered while the first terminal is connected to the service device;

Selecting, by the first terminal, any one second terminal from the list of the other terminals;

Requesting an account transfer by transmitting, by the first terminal, financial transaction information including a user ID of the selected second terminal, a password and an amount of money information preset in the service apparatus to use the financial service;

Setting, by the first terminal, usage restriction information for limiting the use of the amount of money;

Transmitting, by the first terminal, the set usage restriction information to the second terminal;

Determining whether the specific product corresponds to the usage restriction information when a payment request for a specific product to be purchased is made by the second terminal;

If it does not correspond to the usage restriction information, the second terminal requests the service device to deduct the amount generated according to the payment request from the amount transferred from the designated account of the first terminal in cooperation with the service device. Making; And

Transmitting, by the second terminal, the details according to the payment request to the first terminal;

Financial service providing method comprising a.