WO2023277484A1 - Payment system using device that transmits payment-related information of affiliated store to payment member - Google Patents

Payment system using device that transmits payment-related information of affiliated store to payment member Download PDF

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Publication number
WO2023277484A1
WO2023277484A1 PCT/KR2022/009132 KR2022009132W WO2023277484A1 WO 2023277484 A1 WO2023277484 A1 WO 2023277484A1 KR 2022009132 W KR2022009132 W KR 2022009132W WO 2023277484 A1 WO2023277484 A1 WO 2023277484A1
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WIPO (PCT)
Prior art keywords
payment
cancellation
information
calculator
transaction
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PCT/KR2022/009132
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French (fr)
Korean (ko)
Inventor
박경양
Original Assignee
주식회사 하렉스인포텍
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Priority claimed from KR1020210158292A external-priority patent/KR20230004219A/en
Application filed by 주식회사 하렉스인포텍 filed Critical 주식회사 하렉스인포텍
Publication of WO2023277484A1 publication Critical patent/WO2023277484A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Definitions

  • the present invention relates to a payment system using a device for transmitting payment-related information of an affiliated store to a payment member.
  • the payment member store transmits payment-related information (store ID) to the payment member side by presenting a QR code or NFC tag without having a payment terminal such as CAT or POS, and the payment member terminal It has become possible to perform mobile payments using
  • the present invention has been proposed to solve the above problems, and proposes a seller calculator device including a wireless communication module for wirelessly transmitting store identification information and payment amount information for user-centric mobile payment, and a previous transaction or previous transaction.
  • a payment cancellation service that allows for intuitive cancellation request and cancellation approval, when there is an error in calculating the payment amount or when you want to cancel the payment due to a defect in the purchased product, the previous transaction or previous transaction.
  • the purpose is to provide a payment system that can be canceled smoothly.
  • a payment system using a device for transmitting payment-related information of an affiliated store to a payment member receives a preset button input signal in response to a transaction cancellation request from a payment member, and transmits seller calculator identification information and transaction cancellation request information
  • the seller calculator, the payment member device (user app) that checks the cancellation transaction information received from the seller calculator and requests the cancellation message, and transmits the request for the cancellation message to the payment institution server, and the cancellation result received from the payment institution server It includes a relay server that transmits data to the payment member device and affiliated store device (eg, affiliated store owner's smartphone).
  • the merchant calculator transmits cancellation data through a wireless communication module using at least one of BLE, NFC, and sound waves, and the cancellation data includes identification information and transaction amount information.
  • the identification information includes the serial number and device number information of the retailer's calculator.
  • the merchant calculator Upon request for cancellation of the previous transaction, the merchant calculator displays the amount information for the previous transaction on the screen and encrypts the cancellation data including the identification information and the transaction amount information as the merchant calculator receives the payment cancel button input signal after inputting the predetermined operation symbol. and send it
  • the payment member device When requesting cancellation of the previous transaction, the payment member device displays the approval information subject to cancellation (electronic receipt subject to cancellation), and the seller calculator receives the input signal of the payment cancellation button after the original transaction approval number is entered, identifying information and Transmits cancellation data including previous transaction amount information.
  • the merchant calculator includes an input unit that receives a preset button input signal in response to a payment cancellation request, a processor that generates transaction cancellation request information according to a preset button input signal, and transaction cancellation request information including member store side identification information It includes a communication unit that transmits.
  • the communication unit transmits the transaction cancellation request information through a wireless communication module including at least one of BLE, NFC, and sound waves.
  • the input unit receives an input signal for a predetermined operation symbol and a payment cancellation button when requesting cancellation of the previous transaction, and the processor controls to display amount information for the previous transaction accordingly, including seller calculator identification information Control to encrypt and transmit transaction cancellation request information.
  • the input unit receives an input for the approval number information confirmed through the payment member device when requesting cancellation of the previous transaction, and the processor includes the seller calculator identification information when the input for the approval number information and the input for the payment cancellation button are completed. Controls transmission of transaction cancellation request information.
  • the payment member store transmits the payment amount information calculated or input through the merchant calculator and the identification information on the payment member store side using a wireless communication module, so that the payment member's It has the effect of supporting mobile payment using a mobile terminal, and when a transaction is completed based on an incorrectly calculated payment amount, or when a payment member requests cancellation of payment due to a defect in a purchased product, It has the effect of enabling intuitive and seamless cancellation request/approval for transactions or previous transactions.
  • FIG. 1 is a diagram showing a seller's calculator according to an embodiment of the present invention.
  • FIG. 2 shows a sequence diagram related to cancellation of the previous transaction according to an embodiment of the present invention.
  • FIG. 3 shows a sequence diagram related to cancellation of a previous transaction according to an embodiment of the present invention.
  • Payment merchants process the payment process by providing a payment terminal such as a high-functioning card reader (Credit Authorization Terminal (CAT)) or a point of sale (POS) terminal.
  • a payment terminal such as a high-functioning card reader (Credit Authorization Terminal (CAT)) or a point of sale (POS) terminal.
  • CAT High-functioning card reader
  • POS point of sale
  • a store ID identification device such as a QR code or an NFC tag is being used so that electronic transactions can be made even in payment affiliates that do not have such a payment terminal.
  • the payment member who wants to make a payment needs to operate his/her mobile terminal to scan a QR code, etc., and it is inconvenient to directly input the purchase amount following recognition of the store ID.
  • KakaoPay QR payment the payment process proceeds in such a way that a payment member scans a QR code presented by a payment affiliate using his/her terminal, inputs the amount to be sent by the payment member, and transfers money.
  • the payment merchant must inform the payment amount to the payment member verbally or otherwise.
  • a payment member misunderstands and inputs an incorrect payment amount, there is a problem in that a process such as payment cancellation, repayment, or additional transfer is required.
  • the payment member store informs the payment member of the payment amount through a display device or separate paper
  • the payment member store has the inconvenience of having to have a display device or paper for conveying the payment amount information, and the payment member
  • the present invention has been proposed to solve the above-described problems, and for user-centric mobile payment, by installing a wireless communication module for wirelessly transmitting payment affiliate identification information (store ID, etc.) and payment amount information to a seller calculator, It minimizes the inconvenience of payment members that may occur during the payment process by preventing the payment member from directly entering the payment amount information, and furthermore, if the transaction is completed with the payment amount incorrectly calculated, or if the product is defective after payment is completed
  • a payment system that supports intuitive and smooth cancellation request and cancellation approval for the previous transaction or previous transaction in the case of a request for cancellation of the payment after being discovered.
  • FIG. 1 illustrates a merchant calculator according to an embodiment of the present invention.
  • Merchant calculator includes an input unit that receives a preset button input signal in response to a transaction cancellation request from a payment member, a processor that generates transaction cancellation request information according to a preset button input signal, and member store side identification information. and a communication unit that transmits transaction cancellation request information.
  • the communication unit transmits the transaction cancellation request information through a wireless communication module including at least one of BLE, NFC, and sound waves.
  • the input unit receives an input signal for a predetermined operation symbol and a payment cancellation button when requesting cancellation of the previous transaction, and the processor controls to display amount information for the previous transaction accordingly, including seller calculator identification information Control to encrypt and transmit transaction cancellation request information.
  • the input unit receives an input for the approval number information confirmed through the payment member device when requesting cancellation of the previous transaction, and the processor includes the seller calculator identification information when the input for the approval number information and the input for the payment cancellation button are completed. Controls transmission of transaction cancellation request information.
  • a request for cancellation of a previous transaction can be processed through another calculator of the seller in addition to the seller's calculator that performed the previous transaction.
  • the merchant calculator includes "Payment Request” and "Pay Cancel” buttons.
  • the short-distance wireless transmission module included in the seller's calculator uses a BLE (Bluetooth Low Energy) module, sound waves, or NFC.
  • BLE Bluetooth Low Energy
  • the payment member device receives identification information and payment amount information transmitted from a merchant calculator through a wireless transmission/reception short-range communication function in a method such as BLE, sound wave, and NFC.
  • the payment member store calculates amount information to request payment from the payment member through four arithmetic operations using the seller's calculator, and transmits it to the payment member device using the seller's calculator equipped with a communication unit.
  • identification information (store ID, calculator ID) is pre-entered into the seller's calculator, and the seller's calculator simultaneously transmits the payment amount information and identification information calculated by the processor to the payment member device using the communication unit.
  • the payment member may perform mobile payment through the application using the identification information and payment amount information received through the payment member device, and the need to directly input the payment amount information Since there is no , there is an effect of solving the inconvenience in the payment process caused by incorrect transmission of the payment amount from the payment affiliated store to the payment member or when the payment member incorrectly inputs payment amount information.
  • the communication unit of the merchant calculator sets the mastery distance of the data to a preset distance to ensure a 1: 1 payment environment between the payment merchant side and the payment member side, and adjusts the mastery distance to be limited to, for example, 50 centimeters or 1 meter. do.
  • the payment request button and the cancel button may be provided as described above.
  • the processor when a communication module is added to an existing calculator, in order to transmit identification information and payment amount information, the processor sends a transmission command to the communication unit according to a specific key input for transmission.
  • the processor of the seller's calculator transmits identification information and payment amount information a preset number of times within a preset time.
  • the merchant calculator receives a payment request from a payment member store (of course, the name can be changed to a payment request, etc.) according to a button input at a predetermined time (e.g., payment completion through a payment member device).
  • the identification information and the payment amount information are transmitted during the time required to perform until about 5 seconds or 15 seconds).
  • the identification information may include a store owner ID and an ID of the seller calculator 100 .
  • the relay institution server transmits payment completion information to the mobile terminal of the payment affiliated store (eg, store owner or salesperson), and according to the input of the cancel button of the merchant calculator , transmission of the aforementioned identification information and payment amount information is stopped.
  • the payment affiliated store eg, store owner or salesperson
  • a payment system using a device for transmitting payment-related information of an affiliated store to a payment member receives a preset button input signal in response to a transaction cancellation request from a payment member, and provides seller calculator identification information and transaction cancellation request information
  • a merchant calculator that transmits, a payment member device (user app) that checks the cancellation transaction information received from the seller calculator and requests a cancellation message, transmits the request for cancellation message to the payment institution server, and It includes a relay server that transmits the cancellation result to the payment member device and affiliated store device (eg, affiliated store owner's smartphone).
  • the merchant calculator transmits cancellation data through a wireless communication module using at least one of BLE, NFC, and sound waves, and the cancellation data includes identification information and transaction amount information.
  • the identification information includes the serial number and device number information of the retailer's calculator.
  • the merchant calculator Upon request for cancellation of the previous transaction, the merchant calculator displays the amount information for the previous transaction on the screen and encrypts the cancellation data including the identification information and the transaction amount information as the merchant calculator receives the payment cancel button input signal after inputting the predetermined operation symbol. and send it
  • the payment member device When requesting cancellation of the previous transaction, the payment member device displays the approval information subject to cancellation (electronic receipt subject to cancellation), and the seller calculator receives the input signal of the payment cancellation button after the original transaction approval number is entered, identifying information and Transmits cancellation data including previous transaction amount information.
  • FIG. 2 shows a sequence diagram related to cancellation of the previous transaction according to an embodiment of the present invention.
  • the cancellation of the previous transaction is defined as the cancellation of the payment details immediately before.
  • the payment member transmits purchase information corresponding to the immediately preceding payment to the payment affiliate, and the payment member device 200 drives the user app.
  • BLE communication will be described as an example to help those skilled in the art understand, that is, the payment member device 200 performs BLE reception standby.
  • the seller's calculator 110 performs button input according to the previous transaction cancellation request, and among the buttons provided in the seller's calculator 110, the operation symbol "-" is input and the "payment cancellation” button is input.
  • the seller calculator reads the last transaction amount (the previous transaction amount), displays it on the display unit, and transmits cancellation data to the payment member device 200 .
  • Cancellation data includes calculator serial number, calculator device number, and previous transaction amount information.
  • the affiliated store side identification information is encrypted and transmitted to the payment member device 200 .
  • the payment member device 200 checks cancellation transaction information, and in this process checks the affiliated store name, approval number, and payment amount.
  • the payment member device 200 generates a cancellation message and requests the cancellation message from the relay agency server 300 .
  • the relay institution server 300 requests a cancellation message from the payment institution server 400 and receives a cancellation result according to cancellation processing by the payment institution server 400 .
  • the relay agency server 300 transmits the cancellation result to the payment member device 200 and the affiliated store main terminal 120 .
  • FIG. 3 shows a sequence diagram related to cancellation of a previous transaction according to an embodiment of the present invention.
  • the payment member requests cancellation of the payment within a predetermined period (a certain period after purchase, e.g., 3 days, 5 days, 1 week, or 2 weeks payment history period is set), or the payment amount is calculated incorrectly, the payment is canceled and if a user wants to make a repayment, it is possible to cancel the previously approved transaction details using the seller calculator 110 if a defective product is found and the payment member requests cancellation of the payment.
  • a predetermined period e.g., 3 days, 5 days, 1 week, or 2 weeks payment history period is set
  • the payment member device 200 drives the user app, searches for approval details, checks the e-receipt to be canceled, and delivers it to the affiliated store (displays and delivers).
  • the seller calculator 110 transmits cancellation data to the payment member device 200 according to the original transaction approval number (for example, only the last four digits can be entered for convenience) and the payment cancellation button input.
  • a preset number of digits (eg, the last 4 digits) is entered, rather than the entire approval number transmitted from the payment member side, and the payment member device 200 displays the last 4 digits of the BLE received approval number, It is possible to prepare all the approval numbers called when checking the transaction history, and to process the cancellation of the previous transaction corresponding to the approval number matching the comparison result.
  • Cancellation data includes calculator serial number, calculator device number, and previous transaction amount information.
  • the payment member device 200 checks cancellation transaction information, and in this process checks the affiliated store name, approval number, and payment amount.
  • the payment member device 200 generates a cancellation message and requests the cancellation message from the relay agency server 300 .
  • the relay institution server 300 requests a cancellation message from the payment institution server 400 and receives a cancellation result according to cancellation processing by the payment institution server 400 .
  • the relay agency server 300 transmits the cancellation result to the payment member device 200 and the affiliated store main terminal 120 .
  • the payment member requests partial cancellation of the payment within a predetermined period (a certain period after purchase, e.g., 3 days, 5 days, 1 week, or 2 weeks payment history period is set), or the payment amount is calculated incorrectly, the payment is not made.
  • a predetermined period e.g., 3 days, 5 days, 1 week, or 2 weeks payment history period is set
  • the payment amount is calculated incorrectly, the payment is not made.
  • partial cancellation or in the case of an agreement between the payment member and the payment merchant to adjust the price by canceling some of the payment amount due to a defect in the purchased product, using the seller calculator 110 It is possible to cancel some of the previously approved transactions.
  • a payment member performs a partial cancellation request for a previously purchased item.
  • the approval number of the payment to be partially canceled is checked and transmitted to the payment affiliated store.
  • the approval number shown in the application of the payment member device 200 is shown so that the payment affiliate can check it.
  • the payment member device 200 performs BLE reception standby.
  • the seller calculator 110 inputs the approval number shared according to the previous transaction cancellation request.
  • the approval number received by the payment member store from the payment member is input into the merchant calculator 110, and information on a payment amount to be partially canceled and a "cancel payment" button are input.
  • the approval number input can be input up to a preset number of digits (eg, 8 digits), and the approval number input determines the number of digits and is reflected in the application and server (eg, 12, 1235, 12345678).
  • a preset number of digits eg, 8 digits
  • the approval number input determines the number of digits and is reflected in the application and server (eg, 12, 1235, 12345678).
  • the merchant calculator 110 displays the approval number on the display unit, and the affiliate code, approval number information, and information on the target amount to be partially canceled are encrypted and transmitted through BLE.
  • a password eg, 4 digits
  • an affiliated store code, approval number information, password information, and information on a target amount to be partially canceled are encrypted and transmitted.
  • a cancellation message request is transmitted from the payment member device 200 to the relay agency server 300 .
  • the payment server 300 uses the received partial cancellation information to match the previously registered member store information to confirm partial cancellation information (S705).
  • the payment institution server 300 approves partial cancellation of the previous transaction and performs settlement (S709). Upon completion of the partial cancellation approval of the previous transaction, the payment member device 200 and the affiliate store send a PUSH message for partial cancellation of approval and a PUSH message for partial payment cancellation. It is transmitted to the main device 120.
  • a computer system may include at least one processor, a memory, a user input device, a data communication bus, a user output device, and a storage. Each of the aforementioned components communicates data through a data communication bus.
  • the computer system may further include a network interface coupled to the network.
  • the processor may be a central processing unit (CPU) or a semiconductor device that processes instructions stored in memory and/or storage.
  • the memory and storage may include various types of volatile or non-volatile storage media.
  • memory may include ROM and RAM.
  • the method according to the embodiment of the present invention can be implemented as a method executable on a computer.
  • computer readable instructions may perform the method according to the embodiment of the present invention according to the present invention.
  • Computer-readable recording media includes all types of recording media in which data that can be decoded by a computer system is stored. For example, there may be read only memory (ROM), random access memory (RAM), a magnetic tape, a magnetic disk, a flash memory, an optical data storage device, and the like.
  • ROM read only memory
  • RAM random access memory
  • magnetic tape magnetic tape
  • magnetic disk magnetic disk
  • flash memory an optical data storage device
  • the computer-readable recording medium may be distributed in computer systems connected through a computer communication network, and stored and executed as readable codes in a distributed manner.

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Abstract

The present invention relates to a payment system using a device that transmits payment-related information of an affiliated store to a payment member. The payment system using a device that transmits payment-related information of an affiliated store to a payment member, according to the present invention, comprises: a seller calculator that receives a preset button input signal in response to a payment cancellation request and transmits seller calculator identification information and transaction cancellation request information; a payment member device (user app) that confirms transaction cancellation information received from the seller calculator and requests a cancellation message; and a relay agency server that transmits the request for the cancellation message to a payment institution server and transmits a cancellation result received from the payment institution server to the payment member device and an affiliated store device (e.g. an affiliated store owner's smartphone).

Description

가맹점의 결제 관련 정보를 결제 회원에게 전달하는 장치를 이용한 결제 시스템A payment system using a device that delivers payment-related information from merchants to payment members
본 발명은 가맹점의 결제 관련 정보를 결제 회원에게 전달하는 장치를 이용한 결제 시스템에 관한 것이다. The present invention relates to a payment system using a device for transmitting payment-related information of an affiliated store to a payment member.
모바일 결제 기술의 발전에 따라, 결제 가맹점 측은 CAT 또는 POS 등의 결제 단말기를 구비하지 않고도, QR 코드 또는 NFC 태그 등을 제시하여, 결제 회원 측으로 결제 관련 정보(판매점 ID)를 전송하고, 결제 회원 단말을 이용하여 모바일 결제를 수행하는 것이 가능하게 되었다. With the development of mobile payment technology, the payment member store transmits payment-related information (store ID) to the payment member side by presenting a QR code or NFC tag without having a payment terminal such as CAT or POS, and the payment member terminal It has become possible to perform mobile payments using
그런데, 결제 회원(구매자) 측에서 결제 금액을 직접 입력하여야 하는 경우, 결제 금액을 잘못 입력하는 경우가 발생되어, 결제 가맹점(판매자, 상점)은 결제 회원에게 결제 금액을 알려주어야 하는 불편함 외에도, 결제 회원이 결제 금액을 제대로 입력 및 결제(또는 이체)하였는지 확인하여야 하여, 결제 회원과 결제 가맹점 모두에게 결제 편의성이 떨어지는 문제점이 있다. However, when the payment member (buyer) has to enter the payment amount directly, there is a case where the payment amount is entered incorrectly, and the payment member store (seller, store) has to inform the payment member of the payment amount. In addition to the inconvenience, It is necessary to check whether the payment member properly inputs and pays (or transfers) the payment amount, resulting in poor payment convenience for both the payment member and the payment affiliate.
또한, 판매자 계산기로부터 결제 금액 정보를 수신하여 결제 회원 디바이스를 통해 결제를 완료하였는데, 결제 금액 산출에 오류가 있는 것으로 발견된 경우, 또는 구매 완료한 제품에 하자가 있어 결제를 취소하고자 하는 경우 등에 있어서, 승인 취소 절차가 번거로운 문제점이 있다. In addition, when payment information is received from the seller's calculator and payment is completed through a payment member device, an error is found in the calculation of the payment amount, or when a product purchased is defective and the payment is canceled, etc. However, there is a problem that the approval cancellation procedure is cumbersome.
본 발명은 전술한 문제점을 해결하기 위하여 제안된 것으로, 사용자 중심 모바일 결제를 위해 상점 식별 정보와 결제 금액 정보를 무선으로 송신하는 무선 통신 모듈을 포함하는 판매자 계산기 장치를 제안하고, 직전 거래 또는 이전 거래에 대한 직관적인 취소 요청 및 취소 승인이 가능한 결제 취소 서비스를 구현함으로써, 결제 금액 산출에 오류가 있는 경우 또는 구매 완료한 제품의 하자 등으로 인해 결제를 취소하고자 하는 경우에 있어서, 직전 거래 또는 이전 거래에 대한 원활한 취소가 가능한 결제 시스템을 제공하는데 그 목적이 있다. The present invention has been proposed to solve the above problems, and proposes a seller calculator device including a wireless communication module for wirelessly transmitting store identification information and payment amount information for user-centric mobile payment, and a previous transaction or previous transaction. By implementing a payment cancellation service that allows for intuitive cancellation request and cancellation approval, when there is an error in calculating the payment amount or when you want to cancel the payment due to a defect in the purchased product, the previous transaction or previous transaction The purpose is to provide a payment system that can be canceled smoothly.
본 발명에 따른 가맹점의 결제 관련 정보를 결제 회원에게 전달하는 장치를 이용한 결제 시스템은 결제 회원의 거래 취소 요청에 따라 기설정된 버튼 입력 신호를 수신하고, 판매자 계산기 식별정보와 거래취소 요청 정보를 전송하는 판매자 계산기와, 판매자 계산기로부터 수신한 취소거래 정보를 확인하고 취소 전문을 요청하는 결제 회원 디바이스(사용자 앱)과, 취소 전문의 요청을 결제기관 서버로 전달하고, 결제기관 서버로부터 수신한 취소 결과를 결제 회원 디바이스와 가맹점 디바이스(예: 가맹점주 스마트폰)에 전송하는 중계기관 서버를 포함한다. A payment system using a device for transmitting payment-related information of an affiliated store to a payment member according to the present invention receives a preset button input signal in response to a transaction cancellation request from a payment member, and transmits seller calculator identification information and transaction cancellation request information The seller calculator, the payment member device (user app) that checks the cancellation transaction information received from the seller calculator and requests the cancellation message, and transmits the request for the cancellation message to the payment institution server, and the cancellation result received from the payment institution server It includes a relay server that transmits data to the payment member device and affiliated store device (eg, affiliated store owner's smartphone).
판매자 계산기는 BLE, NFC 및 음파 중 적어도 어느 하나의 수단을 이용하는 무선 통신 모듈을 통해 취소 데이터를 전송하며, 취소 데이터에는 식별 정보 및 거래 금액 정보가 포함된다. The merchant calculator transmits cancellation data through a wireless communication module using at least one of BLE, NFC, and sound waves, and the cancellation data includes identification information and transaction amount information.
식별정보는 판매점 계산기의 일련번호 및 기기번호 정보를 포함한다. The identification information includes the serial number and device number information of the retailer's calculator.
직전 거래 취소 요청 시, 판매자 계산기는 기설정된 연산 기호 입력 후 결제 취소 버튼 입력 신호를 수신함에 따라, 직전 거래에 대한 금액 정보를 화면에 디스플레이하고, 식별 정보 및 거래 금액 정보를 포함하는 취소 데이터를 암호화하여 전송한다. Upon request for cancellation of the previous transaction, the merchant calculator displays the amount information for the previous transaction on the screen and encrypts the cancellation data including the identification information and the transaction amount information as the merchant calculator receives the payment cancel button input signal after inputting the predetermined operation symbol. and send it
이전 거래 취소 요청 시, 결제 회원 디바이스는 취소 대상이 되는 승인 정보(취소대상 전자영수증)를 표출하고, 판매자 계산기는 원거래 승인 번호가 입력된 후 결제 취소 버튼 입력 신호를 수신함에 따라, 식별 정보 및 이전거래 금액 정보를 포함하는 취소 데이터를 전송한다. When requesting cancellation of the previous transaction, the payment member device displays the approval information subject to cancellation (electronic receipt subject to cancellation), and the seller calculator receives the input signal of the payment cancellation button after the original transaction approval number is entered, identifying information and Transmits cancellation data including previous transaction amount information.
본 발명에 따른 판매자 계산기는 결제 취소 요청에 따라 기설정된 버튼 입력 신호를 수신하는 입력부와, 기설정된 버튼 입력 신호에 따라 거래 취소 요청 정보를 생성하는 프로세서 및 가맹점 측 식별 정보를 포함하는 거래 취소 요청 정보를 전송하는 통신부를 포함한다. The merchant calculator according to the present invention includes an input unit that receives a preset button input signal in response to a payment cancellation request, a processor that generates transaction cancellation request information according to a preset button input signal, and transaction cancellation request information including member store side identification information It includes a communication unit that transmits.
통신부는 BLE, NFC, 음파 중 적어도 어느 하나의 수단을 포함하는 무선 통신 모듈을 통해 거래 취소 요청 정보를 전송한다. The communication unit transmits the transaction cancellation request information through a wireless communication module including at least one of BLE, NFC, and sound waves.
입력부는 직전 거래 취소 요청 시, 기설정된 연산 기호에 대한 입력, 결제 취소 버튼에 대한 입력 신호를 수신하고, 프로세서는 그에 따라 직전 거래에 대한 금액 정보를 표시하도록 제어하고, 판매자 계산기 식별정보를 포함하는 거래 취소 요청 정보를 암호화하여 전송하도록 제어한다. The input unit receives an input signal for a predetermined operation symbol and a payment cancellation button when requesting cancellation of the previous transaction, and the processor controls to display amount information for the previous transaction accordingly, including seller calculator identification information Control to encrypt and transmit transaction cancellation request information.
입력부는 이전 거래 취소 요청 시, 결제 회원 디바이스를 통해 확인된 승인번호 정보에 대한 입력을 수신하고, 프로세서는 승인번호 정보에 대한 입력 및 결제 취소 버튼에 대한 입력이 완료되면 판매자 계산기 식별정보를 포함하는 거래 취소 요청 정보를 전송하도록 제어한다. The input unit receives an input for the approval number information confirmed through the payment member device when requesting cancellation of the previous transaction, and the processor includes the seller calculator identification information when the input for the approval number information and the input for the payment cancellation button are completed. Controls transmission of transaction cancellation request information.
본 발명에 따르면, 결제 가맹점은 판매자 계산기를 통해 산출 또는 입력한 결제 금액 정보와 결제 가맹점 측 식별 정보를 무선 통신 모듈을 이용하여 전송함으로써, CAT, POS 등의 결제 단말기를 구비하지 않고도, 결제 회원의 휴대 단말을 이용한 모바일 결제를 수행할 수 있도록 지원하는 효과가 있으며, 잘못 산출된 결제 금액에 의한 거래가 완료된 경우, 또는 구매 완료한 제품에 하자가 있어 결제 회원이 결제 취소를 요청하는 경우 등에 있어서, 직전 거래 또는 이전 거래에 대한 직관적이고 원활한 취소 요청/승인이 가능한 효과가 있다. According to the present invention, the payment member store transmits the payment amount information calculated or input through the merchant calculator and the identification information on the payment member store side using a wireless communication module, so that the payment member's It has the effect of supporting mobile payment using a mobile terminal, and when a transaction is completed based on an incorrectly calculated payment amount, or when a payment member requests cancellation of payment due to a defect in a purchased product, It has the effect of enabling intuitive and seamless cancellation request/approval for transactions or previous transactions.
본 발명의 효과는 이상에서 언급한 것들에 한정되지 않으며, 언급되지 아니한 다른 효과들은 아래의 기재로부터 당업자에게 명확하게 이해될 수 있을 것이다.The effects of the present invention are not limited to those mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the description below.
도 1은 본 발명의 실시예에 따른 판매자 계산기를 나타내는 도면이다. 1 is a diagram showing a seller's calculator according to an embodiment of the present invention.
도 2는 본 발명의 실시예에 따른 직전 거래 취소와 관련한 시퀀스 다이어그램을 도시한다. 2 shows a sequence diagram related to cancellation of the previous transaction according to an embodiment of the present invention.
도 3은 본 발명의 실시예에 따른 이전 거래 취소와 관련한 시퀀스 다이어그램을 도시한다. 3 shows a sequence diagram related to cancellation of a previous transaction according to an embodiment of the present invention.
본 발명의 전술한 목적 및 그 이외의 목적과 이점 및 특징, 그리고 그것들을 달성하는 방법은 첨부되는 도면과 함께 상세하게 후술되어 있는 실시예들을 참조하면 명확해질 것이다. The foregoing and other objects, advantages and characteristics of the present invention, and a method of achieving them will become clear with reference to the detailed embodiments described below in conjunction with the accompanying drawings.
그러나 본 발명은 이하에서 개시되는 실시예들에 한정되는 것이 아니라 서로 다른 다양한 형태로 구현될 수 있으며, 단지 이하의 실시예들은 본 발명이 속하는 기술분야에서 통상의 지식을 가진 자에게 발명의 목적, 구성 및 효과를 용이하게 알려주기 위해 제공되는 것일 뿐으로서, 본 발명의 권리범위는 청구항의 기재에 의해 정의된다. However, the present invention is not limited to the embodiments disclosed below and may be implemented in various different forms, and only the following embodiments provide the purpose of the invention, As only provided to easily inform the configuration and effect, the scope of the present invention is defined by the description of the claims.
한편, 본 명세서에서 사용된 용어는 실시예들을 설명하기 위한 것이며 본 발명을 제한하고자 하는 것은 아니다. 본 명세서에서, 단수형은 문구에서 특별히 언급하지 않는 한 복수형도 포함한다. 명세서에서 사용되는 "포함한다(comprises)" 및/또는 "포함하는(comprising)"은 언급된 구성소자, 단계, 동작 및/또는 소자가 하나 이상의 다른 구성소자, 단계, 동작 및/또는 소자의 존재 또는 추가됨을 배제하지 않는다.Meanwhile, terms used in this specification are for describing the embodiments and are not intended to limit the present invention. In this specification, singular forms also include plural forms unless specifically stated otherwise in a phrase. As used herein, “comprises” and/or “comprising” means the presence of one or more other components, steps, operations, and/or elements in which a stated component, step, operation, and/or element is present. or added.
결제 가맹점에서는 고기능의 카드리더기(CAT, Credit Authorization Terminal) 또는 판매단말기(POS, Point of Sale)와 같은 결제 단말기(Payment Terminal)를 구비하여 결제 과정을 처리한다. Payment merchants process the payment process by providing a payment terminal such as a high-functioning card reader (Credit Authorization Terminal (CAT)) or a point of sale (POS) terminal.
최근에는 이러한 결제 단말기를 구비하지 않은 결제 가맹점에서도 전자 거래가 이루어질 수 있도록, QR 코드 또는 NFC 태그 등의 상점 ID 식별 장치를 이용하고 있다. Recently, a store ID identification device such as a QR code or an NFC tag is being used so that electronic transactions can be made even in payment affiliates that do not have such a payment terminal.
그런데, 이러한 경우 결제를 하고자 하는 결제 회원이 자신의 휴대 단말기를 조작하여 QR 코드 등을 스캔하는 과정이 필요하고, 상점 ID 등의 인식에 후속하여 구매 금액을 직접 입력하여야 하는 불편함이 야기된다. However, in this case, the payment member who wants to make a payment needs to operate his/her mobile terminal to scan a QR code, etc., and it is inconvenient to directly input the purchase amount following recognition of the store ID.
또한, 구매 금액을 직접 입력하는 과정에서는 금액 입력의 오류로 인해 결제 가맹점 측과 결제 회원 측 모두 불편을 겪게 되는 문제점이 있다. In addition, in the process of directly inputting the purchase amount, there is a problem in that both the payment member store side and the payment member side experience inconvenience due to an error in the amount input.
예컨대, 카카오페이 QR 결제는 결제 회원이 자신의 단말을 이용하여 결제 가맹점 측에서 제시한 QR코드를 스캔하고, 결제 회원이 보낼 금액을 입력하여 송금을 하는 방식으로 그 결제 과정이 진행된다. For example, in KakaoPay QR payment, the payment process proceeds in such a way that a payment member scans a QR code presented by a payment affiliate using his/her terminal, inputs the amount to be sent by the payment member, and transfers money.
그런데, 1) 결제 가맹점 측에서 결제 회원에게 결제 금액이 얼마인지 알려주는 과정, 2) 결제 회원이 결제 금액 정보를 직접 입력하는 과정, 3) 결제 가맹점 측에서는 결제 회원이 결제 금액 정보를 제대로 입력하여 이체를 완료하였는지 확인하는 과정이 모두 수반되어야 하며, 이로부터 결제 가맹점 측과 결제 회원 측 모두에게 결제 편의성이 떨어지는 문제점이 발생한다.By the way, 1) the process of notifying the payment amount to the payment member on the payment merchant side, 2) the process of directly entering the payment amount information by the payment member, 3) the payment member on the payment merchant side The process of confirming whether the process has been completed must all be accompanied, resulting in a problem of poor payment convenience for both the payment affiliated store and the payment member side.
예를 들어 전술한 1)의 과정은 결제 가맹점 측에서 결제 회원에게 구두로 또는 다른 방식으로 결제 대상 금액을 알려주어야 하는 것인데, 혼잡하고 시끄러운 상점 내에서 구두로 결제 금액을 알려주는 것은 정보 전달의 정확성이 떨어질 뿐 아니라, 결제 회원으로 하여금 잘못 알아들어 결제 금액을 잘못 입력하는 경우 결제 취소, 재결제 또는 추가 이체 등의 과정이 필요하게 되는 문제점이 있다. For example, in the process of 1) described above, the payment merchant must inform the payment amount to the payment member verbally or otherwise. In addition, when a payment member misunderstands and inputs an incorrect payment amount, there is a problem in that a process such as payment cancellation, repayment, or additional transfer is required.
또한, 결제 회원은 제대로 결제 금액을 알아듣지 못한 경우 결제 가맹점 측에 되묻는 과정을 수행하여야 하는 등, 상호간의 편의성이 크게 떨어지고, 결제 회원으로 하여금 결제 서비스 나아가 결제 가맹점이 제공하는 서비스 자체에 대한 심각한 불만을 가지게 되는 문제점이 있다. In addition, when the payment member does not properly understand the payment amount, mutual convenience is greatly reduced, such as having to ask the payment merchant back, and causing the payment member to seriously dissatisfy the payment service and the service itself provided by the payment merchant. There is a problem with having .
또한, 결제 가맹점 측에서 디스플레이 장치나 별도의 종이 등으로 결제 금액을 결제 회원에게 알려주는 경우에도, 결제 가맹점은 결제 금액 정보 전달을 위한 디스플레이 장치 또는 종이 등을 구비하여야 하는 불편함이 있고, 결제 회원은 구두로 전달 받을 때보다는 결제 금액을 원활히 인지할 수 있겠으나, 결제 금액 정보를 결제 회원 자신의 휴대 단말기에 입력하여야 하는 불편함 및 결제 금액 정보 입력 시 오타가 발생되는 경우 다시 입력하여야 하는 등 후속적인 결제 과정 상에서의 불편함은 여전히 존재한다. In addition, even when the payment member store informs the payment member of the payment amount through a display device or separate paper, the payment member store has the inconvenience of having to have a display device or paper for conveying the payment amount information, and the payment member Although it is possible to recognize the payment amount more easily than when receiving it verbally, it is inconvenient to input the payment amount information into the payment member's own mobile terminal, and if a typo occurs when entering the payment amount information, it is necessary to re-enter it. Inconvenience in the traditional payment process still exists.
또한, 결제 가맹점 측의 착오 등으로 인해 결제 금액을 잘못 산출하여 제공한 상태에서 결제 회원이 인지하지 못하고 결제가 완료된 경우, 또는 결제 완료 후 결제 회원이 구매 물품에 하자가 있는 것을 발견하여 해당 결제에 대한 취소를 요청하는 경우 등을 가정하여 볼 때, 해당 거래에 대한 취소 요청 및 취소 승인은 번거로운 절차가 수행되어야 하는 문제점이 있다. In addition, if the payment is completed without being recognized by the payment member while the payment amount was incorrectly calculated and provided due to a mistake on the part of the payment merchant, or the payment member finds a defect in the purchased item after payment is completed, Assuming a case of requesting cancellation of a transaction, there is a problem in that cumbersome procedures are required to request and approve cancellation of a corresponding transaction.
본 발명은 전술한 문제점을 해결하기 위하여 제안된 것으로, 사용자 중심 모바일 결제를 위해, 결제 가맹점 측 식별 정보(상점 ID 등)와 결제 금액 정보를 무선으로 송신하는 무선 통신 모듈을 판매자 계산기에 탑재함으로써, 결제 회원이 결제 금액 정보를 직접 입력하지 않도록 하여 결제 과정 상에서 발생될 수 있는 결제 회원의 불편함을 최소화하고, 나아가 결제 금액이 잘못 산출된 상태로 거래가 완료된 경우, 또는 결제 완료 후 구매 물품의 하자가 발견되어 해당 결제에 대한 취소가 요청되는 경우 등에 있어서, 직전 거래 또는 이전 거래에 대한 취소 요청과 취소 승인을 직관적이고 원활하게 할 수 있도록 지원하는 결제 시스템을 제안한다. The present invention has been proposed to solve the above-described problems, and for user-centric mobile payment, by installing a wireless communication module for wirelessly transmitting payment affiliate identification information (store ID, etc.) and payment amount information to a seller calculator, It minimizes the inconvenience of payment members that may occur during the payment process by preventing the payment member from directly entering the payment amount information, and furthermore, if the transaction is completed with the payment amount incorrectly calculated, or if the product is defective after payment is completed We propose a payment system that supports intuitive and smooth cancellation request and cancellation approval for the previous transaction or previous transaction in the case of a request for cancellation of the payment after being discovered.
도 1은 본 발명의 실시예에 따른 판매자 계산기를 도시한다. 1 illustrates a merchant calculator according to an embodiment of the present invention.
본 발명에 따른 판매자 계산기는 결제 회원 측의 거래 취소 요청에 따라 기설정된 버튼 입력 신호를 수신하는 입력부와, 기설정된 버튼 입력 신호에 따라 거래 취소 요청 정보를 생성하는 프로세서 및 가맹점 측 식별 정보를 포함하는 거래 취소 요청 정보를 전송하는 통신부를 포함한다. Merchant calculator according to the present invention includes an input unit that receives a preset button input signal in response to a transaction cancellation request from a payment member, a processor that generates transaction cancellation request information according to a preset button input signal, and member store side identification information. and a communication unit that transmits transaction cancellation request information.
통신부는 BLE, NFC, 음파 중 적어도 어느 하나의 수단을 포함하는 무선 통신 모듈을 통해 거래 취소 요청 정보를 전송한다. The communication unit transmits the transaction cancellation request information through a wireless communication module including at least one of BLE, NFC, and sound waves.
입력부는 직전 거래 취소 요청 시, 기설정된 연산 기호에 대한 입력, 결제 취소 버튼에 대한 입력 신호를 수신하고, 프로세서는 그에 따라 직전 거래에 대한 금액 정보를 표시하도록 제어하고, 판매자 계산기 식별정보를 포함하는 거래 취소 요청 정보를 암호화하여 전송하도록 제어한다. The input unit receives an input signal for a predetermined operation symbol and a payment cancellation button when requesting cancellation of the previous transaction, and the processor controls to display amount information for the previous transaction accordingly, including seller calculator identification information Control to encrypt and transmit transaction cancellation request information.
입력부는 이전 거래 취소 요청 시, 결제 회원 디바이스를 통해 확인된 승인번호 정보에 대한 입력을 수신하고, 프로세서는 승인번호 정보에 대한 입력 및 결제 취소 버튼에 대한 입력이 완료되면 판매자 계산기 식별정보를 포함하는 거래 취소 요청 정보를 전송하도록 제어한다. The input unit receives an input for the approval number information confirmed through the payment member device when requesting cancellation of the previous transaction, and the processor includes the seller calculator identification information when the input for the approval number information and the input for the payment cancellation button are completed. Controls transmission of transaction cancellation request information.
이전 거래 취소 요청에 대해서는, 이전 거래를 수행한 판매자 계산기 외에 해당 판매자의 다른 계산기를 통해서도 처리 가능하다. A request for cancellation of a previous transaction can be processed through another calculator of the seller in addition to the seller's calculator that performed the previous transaction.
판매자 계산기는 도 1에 도시된 바와 같이, 1~9, 0, 000, 사칙연산(+, -, x, ÷)기호, 전원 On/Off 버튼, AC, CE 버튼, = 버튼 등 일반적인 전자계산기에 포함되는 버튼을 포함한다. As shown in Figure 1, the seller's calculator is a general electronic calculator such as 1 to 9, 0, 000, arithmetic operations (+, -, x, ÷) symbols, power On / Off button, AC, CE button, = button Include buttons included.
본 발명의 실시예에 따른 판매자 계산기는 "결제 요청", "결제 취소"(Pay Cancel) 버튼을 포함한다. The merchant calculator according to an embodiment of the present invention includes "Payment Request" and "Pay Cancel" buttons.
판매자 계산기에 포함되는 근거리 무선 송신 모듈은 BLE(Bluetooth Low Energy)모듈, 음파 또는 NFC 등이 이용된다 The short-distance wireless transmission module included in the seller's calculator uses a BLE (Bluetooth Low Energy) module, sound waves, or NFC.
본 발명의 실시예에 따른 결제 회원 디바이스는 BLE, 음파, NFC 등의 방식으로 무선 송수신 근거리 통신 기능을 통해, 판매자 계산기로부터 전송되는 식별정보와 결제 금액 정보를 수신한다. The payment member device according to an embodiment of the present invention receives identification information and payment amount information transmitted from a merchant calculator through a wireless transmission/reception short-range communication function in a method such as BLE, sound wave, and NFC.
결제 가맹점은 판매자 계산기를 이용하여, 사칙연산 등을 통해 결제 회원에게 결제를 요청하여야 할 금액 정보를 계산하고, 이를 통신부를 구비한 판매자 계산기를 이용하여 결제 회원 디바이스로 전송한다. The payment member store calculates amount information to request payment from the payment member through four arithmetic operations using the seller's calculator, and transmits it to the payment member device using the seller's calculator equipped with a communication unit.
이 때, 판매자 계산기에는 식별 정보(상점 ID, 계산기 ID)가 사전 입력되어 있으며, 판매자 계산기는 프로세서에 의해 연산된 결제 금액 정보와 식별 정보를 통신부를 이용하여 결제 회원 디바이스로 동시에 송신한다. At this time, identification information (store ID, calculator ID) is pre-entered into the seller's calculator, and the seller's calculator simultaneously transmits the payment amount information and identification information calculated by the processor to the payment member device using the communication unit.
따라서, 본 발명의 실시예에 따르면, 결제 회원은 결제 회원 디바이스를 통해 수신되는 식별정보와 결제 금액 정보를 이용하여 어플리케이션을 통해 모바일 결제를 수행하면 되고, 결제 금액 정보를 자신이 직접 입력하여야 할 필요가 없으므로, 결제 가맹점으로부터 결제 회원으로 결제 금액이 잘못 전달됨으로써 발생되거나, 결제 회원이 결제 금액 정보를 잘못 입력함으로써 발생되는 결제 과정 상의 불편함을 해소하는 효과가 있다. Therefore, according to an embodiment of the present invention, the payment member may perform mobile payment through the application using the identification information and payment amount information received through the payment member device, and the need to directly input the payment amount information Since there is no , there is an effect of solving the inconvenience in the payment process caused by incorrect transmission of the payment amount from the payment affiliated store to the payment member or when the payment member incorrectly inputs payment amount information.
판매자 계산기의 통신부는 결제 가맹점 측과 결제 회원 측의 1:1 결제 환경을 보장하기 위해, 데이터의 통달 거리가 기설정된 거리로 설정되며, 예컨대 50 센티 미터 또는 1 미터 이내로 그 통달 거리가 제한되도록 조정된다. The communication unit of the merchant calculator sets the mastery distance of the data to a preset distance to ensure a 1: 1 payment environment between the payment merchant side and the payment member side, and adjusts the mastery distance to be limited to, for example, 50 centimeters or 1 meter. do.
본 발명의 실시예에 따르면, 식별 정보 및 결제 금액 정보 전송을 위한 프로그램이 설치됨에 따라, 기존의 계산기를 그대로 이용하는 것이 가능하며(즉, 펌웨어 수정만으로 적용 가능함), 본 발명의 실시예에 따른 판매자 계산기에 대해 신규 금형 제작 시(즉, 기존 계산기에 펌웨어를 업데이트하는 것이 아닌) 전술한 바와 같이 결제 요청 버튼 및 취소 버튼을 구비하도록 할 수 있다. According to an embodiment of the present invention, as a program for transmitting identification information and payment amount information is installed, it is possible to use an existing calculator as it is (that is, it is applicable only by modifying the firmware), and the seller according to the embodiment of the present invention When a new mold is manufactured for the calculator (that is, instead of updating the firmware of the existing calculator), the payment request button and the cancel button may be provided as described above.
전술한 실시예에 따라, 기존의 계산기에 통신모듈을 추가하여 사용하는 경우, 식별정보와 결제 금액 정보 송신을 위해, 프로세서는 지정된 송신용 특정 키 입력에 따라 통신부로 전송 명령을 보낸다. According to the above-described embodiment, when a communication module is added to an existing calculator, in order to transmit identification information and payment amount information, the processor sends a transmission command to the communication unit according to a specific key input for transmission.
예컨대, 판매 금액이 5,000원인 경우, 결제 가맹점은 판매자 계산기의 버튼 입력을 통해 5, 000을 입력하고, 송신용 특정 키 입력(예: = 버튼 2번 입력)을 통해 식별 정보와 결제 금액 정보를 송신한다. For example, if the sales amount is 5,000 won, the payment affiliate enters 5,000 through the button input of the seller's calculator, and transmits the identification information and the payment amount information through the input of a specific key for transmission (e.g., press = button 2 times) do.
판매자 계산기의 프로세서는 식별 정보와 결제 금액 정보 송신을 기설정된 시간 내 기설정 횟수 송신한다. The processor of the seller's calculator transmits identification information and payment amount information a preset number of times within a preset time.
또한, 결제 회원이 식별 정보와 결제 금액 정보를 수신하지 못한 경우, 판매자 계산기의 지정된 송신용 특정 키의 재입력(전술한 바와 같이 = 버튼 2번 재입력)을 통해, 재차 식별 정보와 결제 금액 정보를 송신한다. In addition, if the payment member does not receive identification information and payment amount information, through re-entry of the specific key for designated transmission of the merchant calculator (as described above = re-enter button 2), identification information and payment amount information again send
본 발명의 실시예에 따르면, 판매자 계산기는 결제 가맹점의 결제 요청(이는 지불 요청 등으로 명칭이 변경될 수 있음은 물론이다) 버튼 입력에 따라, 기설정 시간(예: 결제 회원 디바이스를 통해 결제 완료까지 수행하는 데 필요한 시간으로써 약 5초 또는 15초로 변경 설정될 수 있음) 동안 식별 정보와 결제 금액 정보를 송신한다. According to an embodiment of the present invention, the merchant calculator receives a payment request from a payment member store (of course, the name can be changed to a payment request, etc.) according to a button input at a predetermined time (e.g., payment completion through a payment member device). The identification information and the payment amount information are transmitted during the time required to perform until about 5 seconds or 15 seconds).
이 때, 식별 정보에는 상점 주인 ID, 판매자 계산기(100)의 ID가 포함될 수 있다. At this time, the identification information may include a store owner ID and an ID of the seller calculator 100 .
이어서, 기설정된 시간 내에 결제 회원 디바이스를 통한 결제 완료가 이루어지는 경우, 중계기관서버는 결제 가맹점 측(예컨대 상점 주인 또는 판매원)의 휴대 단말로 결제 완료 정보를 전송하고, 판매자 계산기의 취소 버튼 입력에 따라, 전술한 식별 정보 및 결제 금액 정보 전송이 중단된다. Subsequently, when payment is completed through the payment member device within a predetermined time, the relay institution server transmits payment completion information to the mobile terminal of the payment affiliated store (eg, store owner or salesperson), and according to the input of the cancel button of the merchant calculator , transmission of the aforementioned identification information and payment amount information is stopped.
또한, 기설정 시간 내에 결제 완료 정보가 수신되지 않으면, 결제 가맹점 측에서 판매자 계산기의 지정된 송신용 특정 키 입력(예: =버튼 2번 입력 또는 결제 요청 버튼 입력)을 함에 따라, 식별 정보 및 결제 금액 정보 전송이 재차 수행한다. In addition, if the payment completion information is not received within the preset time, the identification information and payment amount as the payment merchant side inputs a specific key for designated transmission of the merchant calculator (eg, = button 2 input or payment request button input) Information transfer is performed again.
본 발명의 실시예에 따른 가맹점의 결제 관련 정보를 결제 회원에게 전달하는 장치를 이용한 결제 시스템은 결제 회원의 거래 취소 요청에 따라 기설정된 버튼 입력 신호를 수신하고, 판매자 계산기 식별정보와 거래취소 요청 정보를 전송하는 판매자 계산기와, 판매자 계산기로부터 수신한 취소거래 정보를 확인하고 취소 전문을 요청하는 결제 회원 디바이스(사용자 앱)과, 취소 전문의 요청을 결제기관 서버로 전달하고, 결제기관 서버로부터 수신한 취소 결과를 결제 회원 디바이스와 가맹점 디바이스(예: 가맹점주 스마트폰)에 전송하는 중계기관 서버를 포함한다. According to an embodiment of the present invention, a payment system using a device for transmitting payment-related information of an affiliated store to a payment member receives a preset button input signal in response to a transaction cancellation request from a payment member, and provides seller calculator identification information and transaction cancellation request information A merchant calculator that transmits, a payment member device (user app) that checks the cancellation transaction information received from the seller calculator and requests a cancellation message, transmits the request for cancellation message to the payment institution server, and It includes a relay server that transmits the cancellation result to the payment member device and affiliated store device (eg, affiliated store owner's smartphone).
판매자 계산기는 BLE, NFC 및 음파 중 적어도 어느 하나의 수단을 이용하는 무선 통신 모듈을 통해 취소 데이터를 전송하며, 취소 데이터에는 식별 정보 및 거래 금액 정보가 포함된다. The merchant calculator transmits cancellation data through a wireless communication module using at least one of BLE, NFC, and sound waves, and the cancellation data includes identification information and transaction amount information.
식별정보는 판매점 계산기의 일련번호 및 기기번호 정보를 포함한다. The identification information includes the serial number and device number information of the retailer's calculator.
직전 거래 취소 요청 시, 판매자 계산기는 기설정된 연산 기호 입력 후 결제 취소 버튼 입력 신호를 수신함에 따라, 직전 거래에 대한 금액 정보를 화면에 디스플레이하고, 식별 정보 및 거래 금액 정보를 포함하는 취소 데이터를 암호화하여 전송한다. Upon request for cancellation of the previous transaction, the merchant calculator displays the amount information for the previous transaction on the screen and encrypts the cancellation data including the identification information and the transaction amount information as the merchant calculator receives the payment cancel button input signal after inputting the predetermined operation symbol. and send it
이전 거래 취소 요청 시, 결제 회원 디바이스는 취소 대상이 되는 승인 정보(취소대상 전자영수증)를 표출하고, 판매자 계산기는 원거래 승인 번호가 입력된 후 결제 취소 버튼 입력 신호를 수신함에 따라, 식별 정보 및 이전거래 금액 정보를 포함하는 취소 데이터를 전송한다. When requesting cancellation of the previous transaction, the payment member device displays the approval information subject to cancellation (electronic receipt subject to cancellation), and the seller calculator receives the input signal of the payment cancellation button after the original transaction approval number is entered, identifying information and Transmits cancellation data including previous transaction amount information.
도 2는 본 발명의 실시예에 따른 직전 거래 취소와 관련한 시퀀스 다이어그램을 도시한다. 2 shows a sequence diagram related to cancellation of the previous transaction according to an embodiment of the present invention.
본 발명의 실시예에 따르면, 결제 회원이 결제 취소를 요청하는 경우, 결제 금액이 틀려서 결제를 취소하고 재결제를 하여야 하는 경우 등에 있어서, 판매자 계산기(110)를 이용하여 바로 직전에 완료된 해당 거래에 대한 취소를 수행한다. According to an embodiment of the present invention, when a payment member requests cancellation of payment, when the payment amount is wrong and the payment must be canceled and repaid, etc. perform cancellation.
직전 거래 취소는 바로 직전 결제한 내역에 대한 취소로 정의한다. The cancellation of the previous transaction is defined as the cancellation of the payment details immediately before.
결제 회원이 바로 직전 결제한 내역에 해당하는 구매 정보를 결제 가맹점에게 전달하고, 결제 회원 디바이스(200)는 사용자 앱을 구동한다. The payment member transmits purchase information corresponding to the immediately preceding payment to the payment affiliate, and the payment member device 200 drives the user app.
이 때, 전술한 무선 통신 방식 중, 당업자의 이해를 돕기 위해 BLE 통신을 예로 들어 설명하며, 즉 결제 회원 디바이스(200)는 BLE 수신 대기를 수행한다. At this time, among the above-described wireless communication methods, BLE communication will be described as an example to help those skilled in the art understand, that is, the payment member device 200 performs BLE reception standby.
판매자 계산기(110)는 직전 거래 취소 요청에 따라 버튼 입력이 수행되며, 판매자 계산기(110)에 구비된 버튼 중 연산 기호 "-"입력 후 "결제 취소"버튼이 입력된다. The seller's calculator 110 performs button input according to the previous transaction cancellation request, and among the buttons provided in the seller's calculator 110, the operation symbol "-" is input and the "payment cancellation" button is input.
이에 따라, 판매자 계산기는 마지막 거래 금액(직전 거래 금액)을 읽어오고 디스플레이부에 표시되며, 취소 데이터를 결제 회원 디바이스(200)로 전송한다. Accordingly, the seller calculator reads the last transaction amount (the previous transaction amount), displays it on the display unit, and transmits cancellation data to the payment member device 200 .
취소 데이터에는 계산기 일련번호, 계산기 기기 번호, 직전 거래 금액 정보가 포함된다. Cancellation data includes calculator serial number, calculator device number, and previous transaction amount information.
가맹점 측 식별정보는 암호화되어 결제 회원 디바이스(200)로 전송된다. The affiliated store side identification information is encrypted and transmitted to the payment member device 200 .
결제 회원 디바이스(200)는 취소거래 정보를 확인하며, 이 과정에서 가맹점 명, 승인번호, 결제 금액을 확인한다. The payment member device 200 checks cancellation transaction information, and in this process checks the affiliated store name, approval number, and payment amount.
결제 회원 디바이스(200)는 취소 전문을 생성하여 중계기관 서버(300)에 취소 전문을 요청한다. The payment member device 200 generates a cancellation message and requests the cancellation message from the relay agency server 300 .
중계기관 서버(300)는 결제기관 서버(400)로 취소 전문을 요청하고, 결제기관 서버(400)의 취소 처리에 따라 취소결과를 수신한다. The relay institution server 300 requests a cancellation message from the payment institution server 400 and receives a cancellation result according to cancellation processing by the payment institution server 400 .
중계기관 서버(300)는 취소 결과를 결제 회원 디바이스(200) 및 가맹점 주 단말(120)로 전송한다. The relay agency server 300 transmits the cancellation result to the payment member device 200 and the affiliated store main terminal 120 .
도 3은 본 발명의 실시예에 따른 이전 거래 취소와 관련한 시퀀스 다이어그램을 도시한다. 3 shows a sequence diagram related to cancellation of a previous transaction according to an embodiment of the present invention.
결제 회원이 기설정 기간(구매 이후 일정 기간, 예컨대 3일, 5일, 1주, 2주의 결제 내역 기간이 설정됨) 이내에 결제에 대한 취소를 요청하거나, 결제 금액이 잘못 산출되어 해당 결제를 취소하고 재결제를 수행하고자 하는 경우, 구매 완료한 물품에 하자가 있음이 발견되어 결제 회원이 해당 결제에 대한 취소를 요청하는 경우 판매자 계산기(110)를 이용하여 이전 승인 거래 내역을 취소하는 것이 가능하다. If the payment member requests cancellation of the payment within a predetermined period (a certain period after purchase, e.g., 3 days, 5 days, 1 week, or 2 weeks payment history period is set), or the payment amount is calculated incorrectly, the payment is canceled and if a user wants to make a repayment, it is possible to cancel the previously approved transaction details using the seller calculator 110 if a defective product is found and the payment member requests cancellation of the payment.
본 발명의 실시예에 따르면, 결제 회원 디바이스(200)는 사용자 앱을 구동하고, 승인 내역을 조회하여, 취소대상 전자영수증을 확인하고 이를 가맹점 측으로 전달한다(디스플레이하여 전달함). According to an embodiment of the present invention, the payment member device 200 drives the user app, searches for approval details, checks the e-receipt to be canceled, and delivers it to the affiliated store (displays and delivers).
판매자 계산기(110)는 원거래 승인 번호(예컨대 편의상 마지막 4자리만 입력할 수 있음), 결제 취소 버튼 입력에 따라 결제 회원 디바이스(200)로 취소 데이터를 전송한다. The seller calculator 110 transmits cancellation data to the payment member device 200 according to the original transaction approval number (for example, only the last four digits can be entered for convenience) and the payment cancellation button input.
판매자 계산기(110)에는 결제 회원 측으로부터 전달받은 승인번호 전체가 아닌, 기설정 자리수(예: 뒷 4자리 번호)가 입력되고, 결제 회원 디바이스(200)는 BLE 수신된 승인번호 뒷 4자리와, 거래 내역 조회 시 호출된 승인 번호 전체를 대비하고, 대비 결과 일치하는 승인번호에 해당하는 이전 거래에 대한 취소를 처리하는 것이 가능하다. In the merchant calculator 110, a preset number of digits (eg, the last 4 digits) is entered, rather than the entire approval number transmitted from the payment member side, and the payment member device 200 displays the last 4 digits of the BLE received approval number, It is possible to prepare all the approval numbers called when checking the transaction history, and to process the cancellation of the previous transaction corresponding to the approval number matching the comparison result.
취소 데이터에는 계산기 일련번호, 계산기 기기 번호, 이전 거래 금액 정보가 포함된다. Cancellation data includes calculator serial number, calculator device number, and previous transaction amount information.
결제 회원 디바이스(200)는 취소거래 정보를 확인하며, 이 과정에서 가맹점 명, 승인번호, 결제 금액을 확인한다. The payment member device 200 checks cancellation transaction information, and in this process checks the affiliated store name, approval number, and payment amount.
결제 회원 디바이스(200)는 취소 전문을 생성하여 중계기관 서버(300)에 취소 전문을 요청한다. The payment member device 200 generates a cancellation message and requests the cancellation message from the relay agency server 300 .
중계기관 서버(300)는 결제기관 서버(400)로 취소 전문을 요청하고, 결제기관 서버(400)의 취소 처리에 따라 취소결과를 수신한다. The relay institution server 300 requests a cancellation message from the payment institution server 400 and receives a cancellation result according to cancellation processing by the payment institution server 400 .
중계기관 서버(300)는 취소 결과를 결제 회원 디바이스(200) 및 가맹점 주 단말(120)로 전송한다. The relay agency server 300 transmits the cancellation result to the payment member device 200 and the affiliated store main terminal 120 .
이하에서는, 본 발명의 실시예에 따른 이전 거래 일부 취소 과정을 설명한다. Hereinafter, a process of canceling a part of a previous transaction according to an embodiment of the present invention will be described.
결제 회원이 기설정 기간(구매 이후 일정 기간, 예컨대 3일, 5일, 1주, 2주의 결제 내역 기간이 설정됨) 이내에 결제에 대한 일부 취소를 요청하거나, 결제 금액이 잘못 산출되어 해당 결제를 일부 취소하고자 하는 경우, 또는 구매 완료 물품에 대한 하자가 발견되어 해당 결제 금액 중 일부를 취소하여 가격을 조정하는 것으로 결제 회원과 결제 가맹점 간의 합의가 이루어진 경우 등에 있어서, 판매자 계산기(110)를 이용하여 이전 승인 거래 내역을 일부 취소하는 것이 가능하다. If the payment member requests partial cancellation of the payment within a predetermined period (a certain period after purchase, e.g., 3 days, 5 days, 1 week, or 2 weeks payment history period is set), or the payment amount is calculated incorrectly, the payment is not made. In the case of partial cancellation, or in the case of an agreement between the payment member and the payment merchant to adjust the price by canceling some of the payment amount due to a defect in the purchased product, using the seller calculator 110 It is possible to cancel some of the previously approved transactions.
본 발명의 실시예에 따르면, 결제 회원은 이전에 구매한 물품에 대한 결제 일부 취소 요청을 수행한다. According to an embodiment of the present invention, a payment member performs a partial cancellation request for a previously purchased item.
이 때, 결제 회원 디바이스(200)에서 실행되는 결제 어플리케이션을 통해, 일부 취소하고자 하는 결제 건에 대한 승인 번호를 확인하고, 이를 결제 가맹점 측으로 전달한다. At this time, through the payment application executed on the payment member device 200, the approval number of the payment to be partially canceled is checked and transmitted to the payment affiliated store.
이 때, 결제 회원 디바이스(200)의 어플리케이션에 보여지는 승인 번호를 결제 가맹점이 확인할 수 있도록 보여준다. At this time, the approval number shown in the application of the payment member device 200 is shown so that the payment affiliate can check it.
이어서, 전술한 바와 같이, 결제 회원 디바이스(200)는 BLE 수신 대기를 수행한다. Subsequently, as described above, the payment member device 200 performs BLE reception standby.
판매자 계산기(110)에는 이전 거래 취소 요청에 따라 공유된 승인 번호가 입력된다. The seller calculator 110 inputs the approval number shared according to the previous transaction cancellation request.
결제 가맹점이 결제 회원으로부터 수신한 승인번호가 판매자 계산기(110)에 입력되고, 일부 취소되어야 할 결제 금액 정보 및 "결제 취소" 버튼이 입력된다. The approval number received by the payment member store from the payment member is input into the merchant calculator 110, and information on a payment amount to be partially canceled and a "cancel payment" button are input.
이 때, 승인 번호 입력은 기설정된 자리수(예: 숫자 8자리)까지 입력이 가능하며, 승인번호 입력은 자릿수를 정하여 어플리케이션과 서버에 반영된다(예: 12, 1235, 12345678). At this time, the approval number input can be input up to a preset number of digits (eg, 8 digits), and the approval number input determines the number of digits and is reflected in the application and server (eg, 12, 1235, 12345678).
"결제 취소" 버튼이 입력됨에 따라, 판매자 계산기(110)는 디스플레이부에 승인번호를 표출하고, 가맹점 코드, 승인번호 정보, 일부 취소되어야 할 대상 금액 정보가 암호화되어 BLE를 통해 전송된다. As the "Cancel Payment" button is input, the merchant calculator 110 displays the approval number on the display unit, and the affiliate code, approval number information, and information on the target amount to be partially canceled are encrypted and transmitted through BLE.
본 발명의 다른 실시예에 따르면, 판매자 계산기(110)의 사용 등록 시 설정된 비밀번호(예: 숫자 4자리)의 입력이 요구된다. According to another embodiment of the present invention, input of a password (eg, 4 digits) set when registering the use of the merchant calculator 110 is required.
전술한 다른 실시예에 따라 비밀번호가 입력되면, 가맹점 코드, 승인번호 정보, 비밀번호 정보, 일부 취소되어야 할 대상 금액 정보가 암호화되어 전송된다. According to another embodiment described above, when a password is input, an affiliated store code, approval number information, password information, and information on a target amount to be partially canceled are encrypted and transmitted.
결제 회원 디바이스(200)로부터 중계기관 서버(300)로 취소전문 요청이 전송된다. A cancellation message request is transmitted from the payment member device 200 to the relay agency server 300 .
결제 서버(300)는 수신한 일부 취소 정보를 이용하여, 기등록된 가맹점 정보와 매칭하여 일부 취소 정보를 확인한다(S705). The payment server 300 uses the received partial cancellation information to match the previously registered member store information to confirm partial cancellation information (S705).
결제기관 서버(300)는 이전 거래 일부 취소를 승인하고 정산을 수행하며(S709), 이전 거래 일부 취소 승인 완료에 따라 승인 일부 취소 PUSH 메시지와 결제 일부 취소 PUSH 메시지를 결제 회원 디바이스(200) 및 가맹점 주 디바이스(120)로 전송한다. The payment institution server 300 approves partial cancellation of the previous transaction and performs settlement (S709). Upon completion of the partial cancellation approval of the previous transaction, the payment member device 200 and the affiliate store send a PUSH message for partial cancellation of approval and a PUSH message for partial payment cancellation. It is transmitted to the main device 120.
한편, 본 발명의 실시예에 따른 방법은 컴퓨터 시스템에서 구현되거나, 또는 기록매체에 기록될 수 있다. 컴퓨터 시스템은 적어도 하나 이상의 프로세서와, 메모리와, 사용자 입력 장치와, 데이터 통신 버스와, 사용자 출력 장치와, 저장소를 포함할 수 있다. 전술한 각각의 구성 요소는 데이터 통신 버스를 통해 데이터 통신을 한다.Meanwhile, the method according to the embodiment of the present invention may be implemented in a computer system or recorded on a recording medium. A computer system may include at least one processor, a memory, a user input device, a data communication bus, a user output device, and a storage. Each of the aforementioned components communicates data through a data communication bus.
컴퓨터 시스템은 네트워크에 커플링된 네트워크 인터페이스를 더 포함할 수 있다. 프로세서는 중앙처리 장치(central processing unit (CPU))이거나, 혹은 메모리 및/또는 저장소에 저장된 명령어를 처리하는 반도체 장치일 수 있다. The computer system may further include a network interface coupled to the network. The processor may be a central processing unit (CPU) or a semiconductor device that processes instructions stored in memory and/or storage.
메모리 및 저장소는 다양한 형태의 휘발성 혹은 비휘발성 저장매체를 포함할 수 있다. 예컨대, 메모리는 ROM 및 RAM을 포함할 수 있다.The memory and storage may include various types of volatile or non-volatile storage media. For example, memory may include ROM and RAM.
따라서, 본 발명의 실시예에 따른 방법은 컴퓨터에서 실행 가능한 방법으로 구현될 수 있다. 본 발명의 실시예에 따른 본 발명의 실시예에 따른 방법이 컴퓨터 장치에서 수행될 때, 컴퓨터로 판독 가능한 명령어들이 본 발명에 따른 본 발명의 실시예에 따른 방법을 수행할 수 있다.Therefore, the method according to the embodiment of the present invention can be implemented as a method executable on a computer. When the method according to the embodiment of the present invention according to the embodiment of the present invention is performed in a computer device, computer readable instructions may perform the method according to the embodiment of the present invention according to the present invention.
한편, 상술한 본 발명의 실시예에 따른 방법은 컴퓨터로 읽을 수 있는 기록매체에 컴퓨터가 읽을 수 있는 코드로서 구현되는 것이 가능하다. 컴퓨터가 읽을 수 있는 기록 매체로는 컴퓨터 시스템에 의하여 해독될 수 있는 데이터가 저장된 모든 종류의 기록 매체를 포함한다. 예를 들어, ROM(Read Only Memory), RAM(Random Access Memory), 자기 테이프, 자기 디스크, 플래시 메모리, 광 데이터 저장장치 등이 있을 수 있다. 또한, 컴퓨터로 판독 가능한 기록매체는 컴퓨터 통신망으로 연결된 컴퓨터 시스템에 분산되어, 분산방식으로 읽을 수 있는 코드로서 저장되고 실행될 수 있다.Meanwhile, the method according to the above-described embodiment of the present invention can be implemented as computer readable codes on a computer readable recording medium. Computer-readable recording media includes all types of recording media in which data that can be decoded by a computer system is stored. For example, there may be read only memory (ROM), random access memory (RAM), a magnetic tape, a magnetic disk, a flash memory, an optical data storage device, and the like. In addition, the computer-readable recording medium may be distributed in computer systems connected through a computer communication network, and stored and executed as readable codes in a distributed manner.
이제까지 본 발명의 실시예들을 중심으로 살펴보았다. 본 발명이 속하는 기술 분야에서 통상의 지식을 가진 자는 본 발명이 본 발명의 본질적인 특성에서 벗어나지 않는 범위에서 변형된 형태로 구현될 수 있음을 이해할 수 있을 것이다. 그러므로 개시된 실시예들은 한정적인 관점이 아니라 설명적인 관점에서 고려되어야 한다. 본 발명의 범위는 전술한 설명이 아니라 특허청구범위에 나타나 있으며, 그와 동등한 범위 내에 있는 모든 차이점은 본 발명에 포함된 것으로 해석되어야 할 것이다. So far, we have looked mainly at the embodiments of the present invention. Those skilled in the art to which the present invention pertains will be able to understand that the present invention can be implemented in a modified form without departing from the essential characteristics of the present invention. Therefore, the disclosed embodiments should be considered from an illustrative rather than a limiting point of view. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the equivalent scope will be construed as being included in the present invention.

Claims (9)

  1. 결제 취소 요청에 따라 기설정된 버튼 입력 신호를 수신하고, 판매자 계산기 식별정보와 거래취소 요청 정보를 전송하는 판매자 계산기; A merchant calculator that receives a preset button input signal according to a payment cancellation request and transmits merchant calculator identification information and transaction cancellation request information;
    상기 판매자 계산기로부터 수신한 취소거래 정보를 확인하고 취소 전문을 요청하는 결제 회원 디바이스; 및a payment member device that checks cancellation transaction information received from the merchant calculator and requests a cancellation message; and
    취소 전문의 요청을 결제기관 서버로 전달하고, 상기 결제기관 서버로부터 수신한 취소 결과를 상기 결제 회원 디바이스와 가맹점 디바이스에 전송하는 중계기관 서버 A relay institution server that forwards the request for cancellation telegram to the payment institution server and transmits the cancellation result received from the payment institution server to the payment member device and affiliated store device
    를 포함하는 가맹점의 결제 관련 정보를 결제 회원에게 전달하는 장치를 이용한 결제 시스템. A payment system using a device that delivers payment-related information of an affiliated store to a payment member.
  2. 제1항에 있어서, According to claim 1,
    상기 판매자 계산기는 BLE, NFC 및 음파 중 적어도 어느 하나의 수단을 이용하는 무선 통신 모듈을 통해 취소 데이터를 전송하며, 취소 데이터에는 식별 정보 및 거래 금액 정보가 포함되는 것The merchant calculator transmits cancellation data through a wireless communication module using at least one of BLE, NFC, and sound waves, and the cancellation data includes identification information and transaction amount information
    인 가맹점의 결제 관련 정보를 결제 회원에게 전달하는 장치를 이용한 결제 시스템. A payment system using a device that delivers payment-related information of an affiliated store to a payment member.
  3. 제1항에 있어서, According to claim 1,
    직전 거래 취소 요청 시, 상기 판매자 계산기는 기설정된 연산 기호 입력 후 결제 취소 버튼 입력 신호를 수신함에 따라, 직전 거래에 대한 금액 정보를 화면에 디스플레이하고, 상기 판매자 계산기 식별정보와 거래 취소 요청 정보를 암호화하여 전송하는 것Upon request for cancellation of the previous transaction, the merchant calculator displays the amount information for the previous transaction on the screen and encrypts the seller calculator identification information and transaction cancellation request information upon receiving a payment cancellation button input signal after inputting a predetermined operation symbol. to transmit
    인 가맹점의 결제 관련 정보를 결제 회원에게 전달하는 장치를 이용한 결제 시스템. A payment system using a device that delivers payment-related information of an affiliated store to a payment member.
  4. 제3항에 있어서, According to claim 3,
    상기 식별정보는 판매점 계산기의 일련번호 및 기기번호 정보를 포함하는 것The identification information includes the serial number and device number information of the store calculator
    인 가맹점의 결제 관련 정보를 결제 회원에게 전달하는 장치를 이용한 결제 시스템. A payment system using a device that delivers payment-related information of an affiliated store to a payment member.
  5. 제1항에 있어서, According to claim 1,
    이전 거래 취소 요청 시, 상기 결제 회원 디바이스는 취소 대상이 되는 승인 정보를 표출하고, 상기 판매자 계산기는 원거래 승인 번호가 입력된 후 결제 취소 버튼 입력 신호를 수신함에 따라, 식별 정보 및 이전거래 금액 정보를 포함하는 취소 데이터를 전송하는 것Upon request for cancellation of the previous transaction, the payment member device displays approval information subject to cancellation, and the merchant calculator receives the input signal of the payment cancellation button after the original transaction approval number is input, and the identification information and the previous transaction amount information Sending cancellation data that includes
    인 가맹점의 결제 관련 정보를 결제 회원에게 전달하는 장치를 이용한 결제 시스템. A payment system using a device that delivers payment-related information of an affiliated store to a payment member.
  6. 결제 취소 요청에 따라 기설정된 버튼 입력 신호를 수신하는 입력부; an input unit for receiving a preset button input signal according to a payment cancellation request;
    상기 기설정된 버튼 입력 신호에 따라 거래 취소 요청 정보를 생성하는 프로세서; 및 a processor generating transaction cancellation request information according to the preset button input signal; and
    판매자 계산기 식별정보를 포함하는 상기 거래 취소 요청 정보를 전송하는 통신부Communication unit for transmitting the transaction cancellation request information including seller calculator identification information
    를 포함하는 판매자 계산기. Merchant Calculator that includes.
  7. 제6항에 있어서, According to claim 6,
    상기 통신부는 BLE, NFC, 음파 중 적어도 어느 하나의 수단을 포함하는 무선 통신 모듈을 통해 상기 거래 취소 요청 정보를 전송하는 것The communication unit transmits the transaction cancellation request information through a wireless communication module including at least one of BLE, NFC, and sound waves
    인 판매자 계산기. In-Seller Calculator.
  8. 제6항에 있어서, According to claim 6,
    상기 입력부는 직전 거래 취소 요청 시, 기설정된 연산 기호에 대한 입력, 결제 취소 버튼에 대한 입력 신호를 수신하고, 상기 프로세서는 그에 따라 직전 거래에 대한 금액 정보를 화면에 표시하도록 제어하고, 상기 판매자 계산기 식별정보를 포함하는 상기 거래 취소 요청 정보를 암호화하여 전송하도록 제어하는 것When requesting cancellation of the previous transaction, the input unit receives an input signal for a predetermined operation symbol and a payment cancellation button, and the processor controls to display price information for the previous transaction on the screen accordingly, and the seller calculator. Encrypting and controlling the transaction cancellation request information including identification information to be transmitted
    인 판매자 계산기. In-Seller Calculator.
  9. 제6항에 있어서, According to claim 6,
    상기 입력부는 이전 거래 취소 요청 시, 결제 회원 디바이스를 통해 확인된 승인번호 정보에 대한 입력을 수신하고, 상기 프로세서는 상기 승인번호 정보에 대한 입력 및 결제 취소 버튼에 대한 입력이 완료되면 상기 판매자 계산기 식별정보를 포함하는 상기 거래 취소 요청 정보를 전송하도록 제어하는 것The input unit receives an input on the approval number information confirmed through the payment member device when requesting cancellation of a previous transaction, and the processor identifies the seller calculator when the input on the approval number information and the input on the payment cancellation button are completed. Controlling to transmit the transaction cancellation request information including information
    인 판매자 계산기. In-Seller Calculator.
PCT/KR2022/009132 2021-06-30 2022-06-27 Payment system using device that transmits payment-related information of affiliated store to payment member WO2023277484A1 (en)

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US20130024366A1 (en) * 2011-07-21 2013-01-24 Ebay, Inc. Merchant initiated payment using consumer device
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US20130024366A1 (en) * 2011-07-21 2013-01-24 Ebay, Inc. Merchant initiated payment using consumer device
KR20160099143A (en) * 2015-02-11 2016-08-22 (주)오케이포스 Payment server and method for processing online payment information thereof
KR101910349B1 (en) * 2017-06-27 2018-12-19 주식회사 케이티 Server for providing smart card service, card type device and user device
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