JP2015176469A - Account settlement method and device, and mobile wallet service method using the same - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an account settlement method and device in which the function of a plastic and paper type membership card can be loaded to a smartphone and be used, and to provide a mobile wallet service method using the same.SOLUTION: An account settlement method comprises: a step of displaying a function selection screen comprising a button for selecting a point saving/using function as a smartphone of a seller is activated; a step of recognizing an optical code for displaying it on the smartphone of a purchaser as selecting the point saving/using function; a step of displaying a screen for entering a holding point, a use point and a settlement amount corresponding to the recognized optical code as the optical code is recognized; and a step of transmitting the subtracted settlement amount to a mobile wallet management system so that the subtracted settlement amount may be provided to an electronic payment service PG system on the basis of the use point, as selecting an applicable button after the seller inputs the settlement amount.

Description

The present invention relates to a mobile wallet, and more particularly, to an amount settlement method and apparatus and a mobile wallet service method using the same.

  Recently, various wireless communication services using a wireless communication network have been provided as computer, electronic, and communication technologies have drastically developed. Accordingly, services provided by a mobile communication system using a wireless communication network tend to develop not only voice services but also multimedia communication services that transmit data such as circuit data and packet data.

  With this trend, mobile communication terminals such as mobile phones have become a necessity for modern people, and in addition to the original function of voice calls, various portable digital devices (for example, cameras, MP3 (MP3)) , Memo function, etc.) as an additional function.

  Meanwhile, a payment function using a mobile communication terminal has been developed, which is one of the additional functions described above, and is based on the characteristic that a mobile communication terminal such as a wallet is always carried by a user. Such payment functions have been tried globally, particularly in South Korea and Japan, and in particular, the mobile communication terminal has a USIM (Universal Subscriber) after changing to the 3G WCDMA (Wideband Code Division Multiple Access) method. It has been standardized that a smart card called “Identity Module” is inserted, and mobile payment using such a smart card has become an opportunity to be further activated.

  According to the prior art, when performing payment using a mobile communication terminal, after executing a payment related program on the mobile communication terminal and entering a password, payment information is exchanged between the mobile communication terminal and the payment system. Payment was executed by sending and receiving payment information through infrared communication, non-contact or contact-type wireless communication with the data communication terminal to be relayed.

  On the other hand, payment methods for purchasing goods and services include main payment methods such as credit cards, direct payment cards, and prepaid cards, and additional payments such as membership cards, discount coupons, free coupons, and points. Means exist, and such various settlement means are selectively used by goods or service purchasers.

  According to the payment service procedure according to the prior art, the payment procedure using the main payment means such as credit card, direct payment card, prepaid card, and additional such as membership card, point card, discount coupon, free coupon, etc. Payment procedures using various payment methods were processed independently of each other. For example, there is an inconvenience that a plastic card or a paper card must be presented separately from a membership card or a point card that can receive a discount or a fund when making a settlement.

  Existing issuance of point accumulation cards and mileage cards provided by large companies and medium-sized companies were issued through manuals, or cards with authentication numbers entered during the settlement process.

  On the other hand, in the case of small businessmen, they issued paper-type and plastic-type point accumulation cards.

  In the above two cases, there is a problem that the cost required for issuing the card is high.

Korean Published Patent No. 10-2011-0067750 Korean Registered Patent No. 10-2011-0068116

  On the other hand, the technical problem of the present invention focuses on such points, and the object of the present invention is to provide a money settlement method that can be used by mounting the function of a plastic or paper type membership card on a smartphone. That is.

  Another object of the present invention is to provide an amount settlement apparatus for performing the amount settlement method described above.

  Another object of the present invention is to provide a mobile wallet service method for providing a function to use a plastic or paper type membership card on a smartphone.

  In order to realize the above-described object of the present invention, an amount settlement method according to an embodiment includes a step of displaying a function selection screen including buttons for selecting a point accumulation / use function as a seller's smartphone is activated. Recognizing the optical code displayed on the purchaser's smartphone as the point accumulation / use function is selected, and as the optical code is recognized, the possession point corresponding to the recognized optical code, the use point, and Displaying a screen for entering the payment amount, and providing the payment amount deducted based on the points used to the electronic payment agency PG system as the seller selects the button to apply after entering the payment amount And transmitting the deducted payment amount to the mobile wallet management system.

  In one embodiment of the present invention, the function selection screen may further include a button for selecting a coupon use function. The amount settlement method recognizes an optical code displayed on the purchaser's smartphone as the coupon use function is selected; displays the coupon information corresponding to the recognized optical code as the optical code is recognized. A step of transmitting a payment amount corresponding to the coupon to a mobile wallet management system as the seller selects a button to be used on the displayed coupon information screen;

  In one embodiment of the present invention, the function selection screen may further include a button for selecting a stamp accumulation function. The amount settlement method recognizes an optical code to be displayed on the purchaser's smartphone as the stamp accumulation function is selected; displays stamp information corresponding to the recognized optical code as the optical code is recognized. A step of displaying a screen for inputting a payment amount as the seller selects a button to be used on the displayed stamp information screen; and, after the seller inputs the payment amount, a button to be applied is selected. Accordingly, the method may further include transmitting stamp information to a mobile wallet management system so that the payment amount and a stamp corresponding to the payment are accumulated.

  In one embodiment of the present invention, the function selection screen may further include a button for selecting a stamp use function. The amount settlement method recognizes the optical code displayed on the purchaser's smartphone as the stamp use function is selected, and displays the stamp information corresponding to the recognized optical code as the optical code is recognized. The method may further include transmitting a payment amount corresponding to the stamp to the mobile wallet management system as the seller selects a button to be used on the displayed stamp information screen.

  In order to realize the other object of the present invention described above, an amount settlement apparatus according to an embodiment is arranged to communicate with a display unit, an optical code reader machine, a processor, and the processor, and has instructions adapted to the processor. Contains memory to save. The instruction activates the smart phone of the seller, displays a function selection screen including a button for selecting a point accumulation / use function on the display unit, and selects the point accumulation / use function, The optical code reader is activated to recognize the optical code to be displayed on the smartphone, and as the optical code is recognized, the possession point corresponding to the recognized optical code, the usage point and the payment amount input are entered. The screen is displayed on the display unit, and after the seller inputs the settlement amount, the settlement amount deducted based on the use points is provided to the electronic settlement agency PG system as the user selects a button to apply. The settlement amount deducted is transmitted to the mobile wallet management system.

  In one embodiment of the present invention, the function selection screen may further include a button for selecting a coupon use function. Here, the instruction recognizes as the optical code is recognized by activating the optical code reader so as to recognize the optical code displayed on the purchaser's smartphone as the coupon use function is selected. The coupon information corresponding to the optical code displayed on the display unit is displayed on the display unit, and a screen for entering the settlement amount is displayed on the display unit as the seller selects a button to be used on the displayed coupon information screen. The payment amount can be transmitted to the mobile wallet management system corresponding to the coupon as the seller selects a button to apply after entering the payment amount.

  In one embodiment of the present invention, the function selection screen may further include a button for selecting a stamp accumulation function. Here, the instruction is recognized as the stamp accumulation function is selected, the optical code reader is activated to recognize the optical code displayed on the purchaser's smartphone, and the optical code is recognized. The stamp information corresponding to the optical code is displayed on the display unit, and a screen for entering the settlement amount is displayed on the display unit as the seller selects a button on the displayed stamp information screen. Then, after the seller inputs the settlement amount, the stamp information can be transmitted to the mobile wallet management system so that the settlement amount and the stamp corresponding to the settlement are accumulated as the button to be applied is selected.

  In one embodiment of the present invention, the function selection screen may further include a button for selecting a stamp use function. The instruction activates the optical code reader to recognize the optical code displayed on the purchaser's smartphone as the stamp use function is selected, and the recognized optical code is recognized. The stamp information corresponding to the code is displayed on the display unit, and the payment amount corresponding to the stamp is transmitted to the mobile wallet management system as the seller selects a button to be used on the displayed stamp information screen. be able to.

  In order to realize the above-described other object of the present invention, a mobile wallet service method according to an embodiment includes a step of issuing, accumulating and using a point-type membership by a user operation, and a stamp-type membership by a user operation. Is issued, accumulated and used, and a downloadable coupon is downloaded and used by a user operation.

  In one embodiment of the present invention, the step of issuing the point-type membership includes displaying a point-type membership card that can be added by a user's point-type membership addition request for issuing the point-type membership. When the user selects one of the newly registered point type membership cards, the detailed information of the point type membership card is displayed, and when the user requests the download, the point type membership card is displayed. It may include a step of downloading and saving to My Page, and a step of exposing the detailed information of the issued point type membership card and displaying the newly issued point and optical code as the download is completed.

  In one embodiment of the present invention, the step of accumulating the point-type membership includes the point of the point-type membership card as the user selects a specific point-type membership for the issued point-type membership accumulation. After the recognition of the optical code by the optical code reader for inputting sales information and executing point accumulation, the standby point and the usable point are displayed as the user selects the refresh button. And a step of displaying the funding breakdown as the user selects the funding breakdown button.

  In one embodiment of the present invention, the step of using the point-type membership includes the step of using the point-type membership card as the user selects a specific point-type membership for using the accumulated point-type membership. After the point and the optical code are displayed, and after the optical code is recognized by the optical code reader for inputting sales information and executing the use of the point, the standby point and the usable point are selected as the user selects the refresh button. And displaying a usage breakdown as the user selects a usage breakdown button.

  In one embodiment of the present invention, the step of issuing the stamp type membership includes displaying a stamp type membership card that can be added by a user's request for adding a stamp type membership for the purpose of issuing the stamp type membership. When the user selects one of the newly registered stamp type membership cards, the detailed information of the stamp type membership card is displayed, and when the user requests the download, the stamp type membership card is displayed. It may include a step of downloading and storing in My Page, and a step of exposing the detailed information of the stamp type membership card issued as the download is completed and displaying a newly issued stamp and an optical code.

  In one embodiment of the present invention, the step of accumulating the stamp-type membership includes a stamp of the stamp-type membership card as the user selects a specific stamp-type membership for the issued stamp-type membership accumulation. And displaying an optical code, and displaying a standby stamp and a usable stamp as the user selects the refresh button after the optical code reader recognizes the optical code for sales information input and stamp accumulation execution. And displaying a funding breakdown as the user selects a usage breakdown button.

  In one embodiment, the step of using the stamp-type membership includes the stamp and optical card of the stamp-type membership card as the user selects a specific stamp-type membership for the use of the accumulated stamp-type membership. A step of displaying a code, and a step of displaying a standby stamp and a usable stamp as the user selects the refresh button after the optical code reader recognizes the optical code for sales information input and stamp use execution. , Displaying a usage breakdown as the user selects a usage breakdown button.

  In one embodiment of the present invention, the downloading of the downloadable coupon includes posting a coupon registered by an administrator corresponding to the user peripheral area as the user selects refresh in order to download the downloadable coupon. When the user selects a coupon, the step of displaying the coupon detailed information, and the user selects download of a specific coupon from among the registered coupons. A step of storing may be included.

  In one embodiment of the present invention, the step of using the downloadable coupon includes detailed information and an optical code of the downloadable coupon as the user selects a specific downloadable coupon for use of the downloadable coupon. And a step of displaying a use completion message so that the use completion process is confirmed as the user selects the refresh button after the optical code reader recognizes the optical code.

  According to such an amount settlement method and apparatus and a mobile wallet service method using the same, a membership card or a point card function is given to an application mounted on a smartphone, and the card is issued with a plastic card or a paper card. It can be an alternative to managing. Along with this, the seller can reduce the cost of purchasing and maintaining the POS terminal by reflecting the points, stamps, and coupons through a smartphone possessed without a separate POS terminal. Buyers can manage points, stamps, coupons, etc. through their smartphones without having a plastic or paper type membership card.

1 is a configuration diagram for schematically explaining a mobile wallet management system according to an embodiment of the present invention; FIG. It is a block diagram for demonstrating the smart phone by which the application which has the mobile wallet service function illustrated by FIG. 1 was mounted. It is a flowchart for demonstrating the application mounted in the smart phone of the seller illustrated in FIG. It is a flowchart for demonstrating the application mounted in the smart phone of the seller illustrated in FIG. It is an example of the user interface screen displayed on a smart phone of a seller. It is an example of the user interface screen displayed on a smart phone of a seller. It is an example of the user interface screen displayed on a smart phone of a seller. It is an example of the user interface screen displayed on a smart phone of a seller. It is an example of the user interface screen displayed on a smart phone of a seller. It is an example of the user interface screen displayed on a smart phone of a seller. It is an example of the user interface screen displayed on a smart phone of a seller. FIG. 2 is a block diagram for explaining the mobile wallet management system illustrated in FIG. 1. 3 is a flowchart for explaining a mobile wallet management method according to an embodiment of the present invention; 6 is a flowchart illustrating an operation of a mobile wallet application according to an embodiment of the present invention. 6 is a flowchart illustrating an operation of a mobile wallet application according to an embodiment of the present invention. FIG. 16 is a flowchart for explaining a point-type membership card issuance step illustrated in FIGS. 14 and 15. FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the point type membership card issue stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the point type membership card issue stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the point type membership card issue stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the point type membership card issue stage illustrated in FIG. FIG. 16 is a flowchart illustrating a point-type membership accumulation stage illustrated in FIGS. 14 and 15. FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the point type membership accumulation stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the point type membership accumulation stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the point type membership accumulation stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the point type membership accumulation stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the point type membership accumulation stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the point type membership accumulation stage illustrated in FIG. FIG. 16 is a flowchart for explaining a point-type membership use stage illustrated in FIGS. 14 and 15. FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the point type membership use stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the point type membership use stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the point type membership use stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the point type membership use stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the point type membership use stage illustrated in FIG. 16 is a flowchart for explaining a stamp-type membership card issuance step illustrated in FIGS. 14 and 15. It is an example of the user interface screen displayed on a smart phone corresponding to the stamp type membership card issue stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the stamp type membership card issue stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the stamp type membership card issue stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the stamp type membership card issue stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the stamp type membership card issue stage illustrated in FIG. FIG. 16 is a flowchart for explaining a stamp type membership accumulation step illustrated in FIGS. 14 and 15. It is an example of the user interface screen displayed on a smart phone corresponding to the stamp type membership accumulation stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the stamp type membership accumulation stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the stamp type membership accumulation stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the stamp type membership accumulation stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the stamp type membership accumulation stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the stamp type membership accumulation stage illustrated in FIG. FIG. 16 is a flowchart for explaining a stamp-type membership use stage illustrated in FIGS. 14 and 15. It is an example of the user interface screen displayed on a smart phone corresponding to the stamp type membership use stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the stamp type membership use stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the stamp type membership use stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the stamp type membership use stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the stamp type membership use stage illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the stamp type membership use stage illustrated in FIG. FIG. 16 is a flowchart for explaining a download step of the download coupon illustrated in FIGS. 14 and 15. FIG. FIG. 55 is an example of a user interface screen displayed on a smartphone corresponding to a download stage of a download coupon illustrated in FIG. 54. FIG. FIG. 55 is an example of a user interface screen displayed on a smartphone corresponding to a download stage of a download coupon illustrated in FIG. 54. FIG. FIG. 55 is an example of a user interface screen displayed on a smartphone corresponding to a download stage of a download coupon illustrated in FIG. 54. FIG. FIG. 55 is an example of a user interface screen displayed on a smartphone corresponding to a download stage of a download coupon illustrated in FIG. 54. FIG. FIG. 55 is an example of a user interface screen displayed on a smartphone corresponding to a download stage of a download coupon illustrated in FIG. 54. FIG. FIG. 55 is an example of a user interface screen displayed on a smartphone corresponding to a download stage of a download coupon illustrated in FIG. 54. FIG. FIG. 16 is a flowchart for explaining a download stage of the issuance type coupon illustrated in FIGS. 14 and 15. FIG. FIG. 62 is an example of a user interface screen displayed on a smartphone corresponding to the issue coupon download stage illustrated in FIG. 61. FIG. FIG. 62 is an example of a user interface screen displayed on a smartphone corresponding to the issue coupon download stage illustrated in FIG. 61. FIG. FIG. 62 is an example of a user interface screen displayed on a smartphone corresponding to the issue coupon download stage illustrated in FIG. 61. FIG. FIG. 62 is an example of a user interface screen displayed on a smartphone corresponding to the issue coupon download stage illustrated in FIG. 61. FIG. FIG. 62 is an example of a user interface screen displayed on a smartphone corresponding to the issue coupon download stage illustrated in FIG. 61. FIG. FIG. 16 is a flowchart for explaining a use stage of the coupon illustrated in FIGS. 14 and 15. FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the use stage of the coupon illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the use stage of the coupon illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the use stage of the coupon illustrated in FIG. It is an example of the user interface screen displayed on a smart phone corresponding to the use stage of the coupon illustrated in FIG.

  Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. While the invention is amenable to various modifications and alternative forms, specific embodiments have been shown by way of example in the drawings and have been described in detail herein. However, it should be understood that the invention is not intended to be limited to a particular disclosed form, but includes all modifications, equivalents or alternatives that fall within the spirit and scope of the invention.

  Like reference numerals have been used for like components while describing the respective figures. In the accompanying drawings, the size of the structure is illustrated in an enlarged manner for the sake of clarity of the present invention.

  The terms such as “first” and “second” may be used in describing various components, but the components should not be limited by the terms. The terms are only used to distinguish one component from another. For example, the first component can be named as the second component without departing from the scope of the present invention, and the second component can be named as the first component as well. The singular form includes the plural form unless the context clearly dictates otherwise.

  In this application, terms such as “comprising” or “having” are intended to indicate that there is a feature, number, step, action, component, part, or combination thereof, as described in the specification. Does not pre-exclude the presence or additional possibilities of one or more other features or numbers, steps, actions, components, components or combinations thereof, etc. Must be understood.

  Unless defined differently, all terms used herein, including technical and scientific terms, are generally understood by those having ordinary skill in the art to which this invention belongs. It has the same meaning. Terms as commonly used and pre-defined should be construed to have a meaning consistent with the meaning possessed in the context of the related art, and should be ideally or overly formal unless explicitly defined in this application. It is not interpreted as a typical meaning.

  FIG. 1 is a block diagram schematically illustrating a mobile wallet management system according to an embodiment of the present invention.

  Referring to FIG. 1, a mobile wallet management system 200 according to the present invention downloads a mobile wallet application to a seller's smartphone 10 and a purchaser's smartphone 20.

  In this embodiment, the mobile wallet application downloaded to the seller's smartphone 10 displays a function selection screen including a button for selecting a point accumulation / use function as the seller's smartphone 10 is activated. As the function to be used is selected, the optical code displayed on the purchaser's smartphone 20 is recognized. The optical code may be a QR code (registered trademark) or a barcode. Hereinafter, it will be described as an example that the optical code is a QR code (registered trademark). Next, as the QR code (registered trademark) is recognized, a screen for inputting the retained points, used points, and settlement amount corresponding to the recognized QR code (registered trademark) is displayed. Then, after the seller inputs the settlement amount, the selected settlement amount is provided so that the settlement amount deducted based on the use points is provided to the electronic settlement agency PG system as the button to be applied is selected. Transmit to the mobile wallet management system 200. In the present specification, the term “point” may refer to a payment that is variably generated depending on the amount of payment and enables payment through the point or payment with the amount deducted corresponding to the point when the next payment is made. .

  The function selection screen may further include a button for selecting a coupon use function. At this time, the mobile wallet application downloaded to the seller's smartphone 10 recognizes the QR code (registered trademark) displayed on the purchaser's smartphone 20 as the coupon use function is selected. Next, as the QR code (registered trademark) is recognized, coupon information corresponding to the recognized QR code (registered trademark) is displayed. Next, as the seller selects a button to be used on the displayed coupon information screen, a screen for entering the settlement amount is displayed. Next, after the seller inputs the settlement amount, the settlement amount deducted based on the coupon is transmitted to the mobile wallet management system 200 as the button to be applied is selected. In this specification, a coupon can be referred to as being issued by a seller or product producer so that the amount can be discounted at the time of settlement.

  The function selection screen may further include a button for selecting a stamp accumulation function. At this time, the mobile wallet application downloaded to the seller's smartphone 10 recognizes the QR code (registered trademark) displayed on the purchaser's smartphone 20 as the stamp accumulation function is selected. Next, as the QR code (registered trademark) is recognized, the stamp information corresponding to the recognized QR code (registered trademark) is displayed. Next, as the seller selects a button to be used on the displayed stamp information screen, a screen for inputting the settlement amount is displayed. Next, after the seller inputs the payment amount, the stamp information is transmitted to the mobile wallet management system 200 so that the payment amount and the stamp corresponding to the payment are accumulated as the button to be applied is selected. The stamp in this specification can be referred to as a product provided by a seller free of charge or at a discounted amount if the number of stamps generated by settlement matches the set amount.

  The function selection screen may further include a button for selecting a stamp use function. At this time, the mobile wallet application downloaded to the seller's smartphone 10 recognizes the QR code (registered trademark) displayed on the purchaser's smartphone 20 as the stamp use function is selected. Next, as the QR code (registered trademark) is recognized, the stamp information corresponding to the recognized QR code (registered trademark) is displayed. Next, as the seller selects a button to be used on the displayed stamp information screen, a screen for inputting the settlement amount is displayed. Next, after the seller inputs the payment amount, the payment amount subtracted based on the stamp is transmitted to the mobile wallet management system 200 as the button to be applied is selected.

  On the other hand, in the present embodiment, the mobile wallet application downloaded to the purchaser's smartphone 20 receives membership cards and coupons, and when the payment is made, membership points are accumulated or accumulated on the membership cards. It is an application that helps you to receive discount benefits through membership points and coupons. Here, the membership may be a simple presentation type membership, a point type membership, or a stamp type membership. The coupon may be a download coupon or an issue coupon. The explanation for the above-mentioned membership and coupon will be described later.

  The mobile wallet management system 200 is provided by partner companies and member stores for various membership services such as simple presentation type membership, point type membership, stamp type membership, and various coupon services same as download type coupons and issue type coupons. Provided with information for service, process and service it. For such services, the mobile wallet management system 200 may include a point server 210, a stamp server 220, a coupon server 230, and an external interface server 240. In the present embodiment, the mobile wallet management system 200 is logically divided, not hardware.

  The point server 210, the stamp server 220, and the coupon server 230 are connected to the purchaser's smartphone 20 through a wireless network.

  The external interface server 240 is connected to the POS system 40 connected to the POS terminal 30 provided in various shops where payment is established. The external interface server 240 is connected to an electronic payment agency PG system, an Apple push notification service APNS, a Google cloud message system GCM, and the like.

  The mobile wallet management system 200 further includes a DB 250, a placement server 260, a web server 270, and a data middleware server 280.

  The DB 250 is connected to the data middleware server 280 and the arrangement server 260 and performs a function of storing various information used in the mobile wallet management system 200.

  The placement server 260 performs a data collection function to provide statistical data.

  The web server 270 provides various web pages so that an administrator of the mobile wallet management system 200 can connect to the web and manage services. In addition, the web server 270 is connected to the president of the store or the manager of the store head office associated with the store on the web, and can provide various input services such as membership cards and coupon designs and comments. You can also provide a page.

  The data middleware server 280 is connected to the point server 210, the stamp server 220, the coupon server 230, the DB 250, and the web server 270, and is responsible for the central control function of the mobile wallet management system 200.

  During operation, the president of a small and medium-sized store, the manager of a store association, the manager of a member store, etc. access the mobile wallet management system 200 and subscribe to a membership or coupon providing service. Through such subscription procedures, small and medium-sized stores and member stores can offer membership services and coupon services on smartphones without issuing separate plastic-type membership cards, paper-type membership cards, and various coupons. Can do.

  When a smartphone user downloads and saves the mobile wallet application, when the membership service or coupon service is requested, the mobile wallet application is activated to receive the membership card or coupon and settle the expense Accumulate membership points and membership stamps. In addition, membership points, membership stamps, coupons, etc., accumulated when paying for expenses can be used to deduct the price or discount the settlement amount.

  As described above, according to the mobile wallet management system according to the present invention, the membership card, membership stamp card, or coupon card is added to the application installed in the smartphone, thereby providing a plastic card or paper card. It is possible to substitute that issued and managed in

  FIG. 2 is a block diagram for explaining a smartphone equipped with an application having the mobile wallet service function shown in FIG. The smartphone may be the seller's smartphone 10 illustrated in FIG. 1 or the purchaser's smartphone 20.

  Referring to FIG. 2, the smartphone includes a key input unit 102, a memory unit 104, a display unit 106, a processor 108, an RF unit 110, an audio unit 112, and an optical code reader 114.

  The RF unit 110 is a comprehensive component of a high-frequency processing unit, an intermediate frequency processing unit, and a baseband processing unit. The RF unit 110 receives voice and various multimedia data received from the external wireless communication network through the antenna ANT at a wireless communication band frequency. An intermediate frequency process that temporarily processes and lowers it again to a lower frequency band and a signal in a frequency band that can be processed again by the processor 108 are processed.

  Under the control of the processor 108, the audio unit 112 modulates an audio signal input through the microphone MIC with a radio signal, demodulates the received radio signal, and sends it to the speaker SPK as an audio signal.

  The key input unit 102 includes a large number of numeric keys, and when the user presses a predetermined key, the key data is generated and output by the processor 108.

  The display unit 106 displays various information of the smartphone 100 under the control of the processor 108, and displays the key data generated by the key input unit 102 and various information signals of the processor 108 for display.

  The optical code reader 114 recognizes an optical code captured by a camera (not shown) in response to the control of the processor 108 and provides the processor 108 with information corresponding to the optical code. The optical code may be a QR code (registered trademark) or a barcode. Hereinafter, in this embodiment, the optical code is a QR code (registered trademark) as an example.

  The processor 108 controls the overall operation of the smartphone 100 according to an operation program stored in the memory unit 104. When the cost settlement is performed, the processor 108 transmits the point-type membership discount, the stamp-type membership discount or the coupon information used when the cost settlement is performed from the memory unit 104, and displays it on the display unit 106. Control.

  The memory unit 104 is equipped with a mobile wallet application according to the present invention and is arranged to communicate with the processor 108. When the mobile wallet application downloads and saves point-type membership, stamp-type membership, coupon information, and the user pays for the goods, etc., the stored membership, points, coupons, etc. may be deducted. it can.

  The mobile wallet application manages information such as point-type membership, stamp-type membership, and various coupon information registered to the user of the smartphone 100 as an additional settlement means, and when performing credit settlement or advance payment, When searching for point-type membership discounts, stamp-type membership discounts and coupon information that can be used in conjunction with the payment method, and providing them to users or member stores for credit or advance payments Use point-type membership discounts, stamp-type membership discounts, and coupon information.

The mobile wallet application refers to the user's various point-type membership cards, stamp-type membership cards, and coupon information accumulated when paying for expenses using a credit card or prepaid card. After searching for possible point-type membership discounts, stamp-type membership discounts and coupon information, the searched information is transmitted to the processor 108 of the smartphone 100 and displayed on the display unit 106 so that the user can settle the expense. Make it easy to recognize points, stamps, and coupon information used together.

  In addition, when the cost settlement is established, the mobile wallet application transmits the point breakdown discount, the stamp membership discount, or the payment breakdown information on the cost settlement using the coupon to the processor 108, and the smartphone 100 By displaying the payment breakdown information through the display unit 106, the user of the smartphone 100 can easily check the payment breakdown information through the screen of the display unit 106.

  3 and 4 are flowcharts for explaining an application installed in the seller's smartphone shown in FIG. 5 to 11 are examples of user interface screens displayed on the seller's smartphone.

  Referring to FIGS. 3 and 4, it is checked whether the seller's smartphone is activated (step T100).

  In step T100, as the seller's smartphone is activated, an initial screen as shown in FIG. 5 is displayed, and then a function selection screen as shown in FIG. 6 is displayed (step T102). In this embodiment, a button for selecting a point accumulation / use function, a button for selecting a stamp accumulation function, a button for selecting a coupon use function, and a button for selecting a stamp use function are displayed on the function selection screen. The

  Next, it is checked whether or not the point accumulation / use function is selected (step T104).

  If it is checked in step T104 that the point accumulation / use function is selected, the optical code reader is activated and the QR code (registered trademark) is displayed through the QR code (registered trademark) recognition screen as shown in FIGS. Recognize (step T106).

  As the QR code (registered trademark) is recognized, the screen for entering the retained points, used points, and settlement amount is displayed through the screen as shown in FIG. 9 (step T108).

  The merchant checks whether the payment amount has been input through the payment amount input screen (step T110).

  If it is checked in step T110 that the payment amount has been input, the debited payment amount is transmitted to the mobile wallet management system (step T112), and then a screen informing the seller that the application has been applied as shown in FIG. Is displayed.

  Whether or not the smartphone is terminated is checked (step T114).

  If it is checked in step T114 that the smartphone has been terminated, the operation of the application is terminated, and if it is checked that the smartphone is not terminated, feedback is performed in step T102.

  If it is checked in step T104 that the point accumulation / use function is not selected, it is checked whether the coupon use function is selected (step T116).

  If it is checked in step T116 that the coupon use function is selected, the QR code (registered trademark) is recognized (step T118).

  As the QR code (registered trademark) is recognized, coupon information is displayed through a screen as shown in FIG. 11 (step T120).

  Next, it is checked whether a button to be used for coupon use has been selected (step T122).

  If it is checked in step T122 that the button to be used is selected, the settlement amount corresponding to the coupon is transmitted to the mobile wallet management system (step T124), and then fed back in step T114.

  If it is checked in step T116 that the coupon use function is not selected, it is checked whether the stamp accumulation function is selected (step T130).

  If it is checked in step T130 that the stamp accumulation function is selected, the QR code (registered trademark) is recognized (step T132).

  Next, stamp information is displayed (step T134).

  Next, it is checked whether a button to be used has been selected (step T136).

  If it is checked in step T136 that a button to be used is selected, a settlement amount input screen is displayed (step T138).

  Next, it is checked whether or not a settlement amount has been input (step T140).

  If it is checked in step T140 that the payment amount has been input, the payment amount and stamp information for accumulation are transmitted to the mobile wallet management system (step T142).

  If it is checked that the stamp accumulation function is not selected, it is checked whether or not the stamp use function is selected (step T144).

  If it is checked in step T144 that the stamp use function is selected, the QR code (registered trademark) is recognized (step T146).

  Stamp information is displayed (step T148).

  Next, it is checked whether a button to be used for stamp use has been selected (step T150).

  If it is checked in step T150 that the button to be used is selected, the settlement amount corresponding to the stamp is transmitted to the mobile wallet management system (step T152) and then fed back in step T114.

  As described above, the purchaser can select any one of the QR code (registered trademark) corresponding to the point, the QR code (registered trademark) corresponding to the stamp, and the QR code (registered trademark) corresponding to the coupon through his / her smartphone. When the merchant recognizes the QR code (registered trademark) and processes the payment amount when making a payment, the seller deducts the payment amount based on the points, stamps, or coupons, Accumulate.

  Along with this, the seller is required to purchase and maintain the POS terminal by making payment by reflecting the points, stamps, and coupons through the smartphone owned by the seller without having a separate POS terminal. Cost can be saved. Buyers can manage points, stamps, coupons, etc. through their smartphones without having a plastic or paper type membership card.

  FIG. 12 is a block diagram for explaining the mobile wallet management system 200 shown in FIG.

  Referring to FIG. 12, the mobile wallet management system 200 includes a dynamic control server 2100, an application server 2200, a data agent server 2300, an external gateway server 2400, an Oracle DB 2500, an arrangement server 2600, and an administrator central server 2700. In this embodiment, the mobile wallet management system 200 includes a dynamic control server 2100, an application server 2200, a data agent server 2300, an external gateway server 2400, an Oracle DB 2500, an arrangement server 2600, and an administrator central server 2700. However, this is only logically divided for convenience of explanation, not hardware.

  The dynamic control server 2100 processes a dynamic data service request that is a basic request for a mobile service. In order to provide an opportunity to accept various services, the dynamic control server 2100 adopts a simple request and response system based on RESTful and JSON. Further, the dynamic control server 2100 employs an authentication method that is reduced in weight by a cookie method that is not a session method so that a more flexible service can be provided.

  In addition, the dynamic control server 2100 provides an API lightened by Spring MVC based on a Spring Framework having excellent compatibility between upper and lower versions. A cache mechanism (Cache Mechanism) for improving service performance for static data was used. Service reliability is ensured by providing a consistent authentication method for requests using a Spring Interceptor. By providing a JSON-based automated response method, API recyclability is maximized and maintenance convenience is provided.

  The dynamic control server 2100 is a server that provides a front-end service. Therefore, the dynamic control server 2100 is designed so that the DB access can be minimized so that a large number of requests (requests) can be processed. In addition, the dynamic control server 2100 is designed so that the request and response performance is optimized by processing complicated business logic so as to meet the purpose of the server. In addition, the dynamic control server 2100 is designed so as to minimize the additional server and the work cost related to the network load distribution. Also, the dynamic control server 2100 is designed by minimizing elements that can affect the service quality by patch work by distributing and packaging application packages according to main services.

  The application server 2200 receives a DCS (Dynamic Control Server) service request and processes various business logics. The application server 2200 analyzes / authenticates the state of the cookie received by the interceptor. The application server 2200 handles personalized data through DCS request breakdown and condition analysis. The application server 2200 performs connection log generation, billing, notification linkage processing, and the like.

  The Spring MVC-based business logic processing scheme reduces the source weight, shortens analysis and processing time, and realizes a time-to-market.

  In the application server 2200, an upper core component (Core Component) of each service is placed to minimize the duplicate development of services. The business logic execution performance was improved by processing asynchronously without using DB DML SQL directly.

  The application server 2200 is designed so as not to directly use DML (Data Manipulation Language) SQL, which is a main function for lowering execution performance of DB queries. Here, the select syntax is excluded. In addition, the data processing is designed not to be performed in the application layer (Application Layer), and the business logic component is reduced in weight. Further, at the time of designing the application server 2200, the query performance is improved by utilizing a query cache (QUERY Cache) function. Also, the application server 2200 is designed to provide an interface for convenient linkage with various external services. In addition, the application server 2200 is designed to use a data linkage protocol that takes into account convenience, expandability, and reusability during data communication between servers in the system. Further, the application server 2200 is designed so that various types of service expansion can be performed.

  The data agent server 2300 performs processing based on a queue that does not synchronize with a service request, such as an insert, update, delete, and the like, which is the most difficult to degrade service execution performance. This guarantees improvement in service quality. The data agent server 2300 processes the data with a large execution time ratio by providing the insert multiplexing function to ensure the service stability.

  In the data agent server 2300, a message queue-based asynchronous multiple processing method can stably process data according to a situation where service requests are concentrated.

  The external gateway server 2400 provides a link interface with the external authentication system, and provides a link interface with the external billing system. In addition, the external gateway server 2400 provides an interface linked with a device manufacturer platform such as APNS (Apple Push Notification Service), GCM (Google Cloud Message), etc. to improve the quality of service. Provides standardized basic interface components that can be easily linked.

  Since it is a form linked with various systems, the development productivity at the time of linked development is improved by providing a standardized interface from a specific form.

  The external gateway server 2400 provides components for quickly processing various received data such as XML, JSON, and Text. The external gateway server 2400 provides an interface capable of speeding up linked development and improving service entry speed. By providing various parsers in the external gateway server 2400, a rapid data processing performance is ensured.

  The Oracle DB 2500 configures a DB server as active-active through an Oracle RAC, and performs request data processing of various servers quickly and quickly.

  The placement server 2600 provides a data collection function for providing statistical data. The placement server 2600 can provide a point / stamp automatic disappearance function to flexibly set the disappearance point. The placement server 2600 provides a large-capacity coupon issue function. The arrangement server 2600 provides a function capable of providing dynamic services such as notification push and event push.

  In this embodiment, the arrangement server 2600 does not use an OS-dependent scheduler, so that the processing logic can be easily controlled. In addition, the placement server 2600 can dynamically control the scheduler time, and can respond to the service situation. In addition, the placement server 2600 must be capable of dynamic control so that the scheduler is executed to meet the needs of the operator. In addition, the placement server 2600 performs threaded work processing and minimizes mutual interference between applications executed in a short cycle.

  The placement server 2600 is designed so as not to interfere with a schedule job (Schedule Job) of another application by issuing a large-capacity coupon and message notification.

  The administrator central server 2700 provides various web pages so that the administrator of the mobile wallet management system 200 can connect to the web and manage services. Further, the manager central server 2700 is connected to the web by the president of the store or the manager of the store headquarters related to the store, and can provide input services such as membership card and coupon designs and comments. Various web pages can also be provided.

  FIG. 13 is a flowchart for explaining a mobile wallet management method according to an embodiment of the present invention.

  Referring to FIG. 13, it is checked whether the authorized manager requests partner company management (step S110). If it is checked in the step S110 that the partner company management is requested, the partner company management process related to the operation of the administrator is performed (step S112).

  After checking that partner company management is not requested in step S110 or executing step S110, it is checked whether membership card management is requested (step S120). If it is checked that the membership card management is requested in step S120, the membership card management process related to the administrator's operation is performed (step S122). In this embodiment, the membership card to be managed may be a simple presentation type, a point type, or a stamp type.

  After checking whether membership card management is not requested in step S120 or executing step S122, it is checked whether to request member store management (step S130). If it is checked that the member store management is requested in step S130, the member store management process related to the operation of the manager is performed (step S132).

  After checking whether the member store management is not requested in step S130 or executing step S132, it is checked whether coupon management is requested (step S140). If it is checked that the coupon management is requested in step S140, a coupon management process related to the operation of the administrator is performed (step S142).

  After checking whether coupon management is not requested in step S140 or executing step S142, it is checked whether to request membership management (step S150). If it is checked that member management is requested in step S150, a member management process related to the operation of the administrator is performed (step S152).

  After checking whether member management is not requested in step S150 or executing step S152, it is checked whether point management is requested (step S160). If it is checked in step S160 that point management is requested, a point management process related to the operation of the administrator is performed (step S162).

  In step S160, it is checked whether point management is not requested or after performing step S162, it is checked whether hot management is requested (step S170). If it is checked in step S170 that hot management is requested, a hot management process related to the operation of the administrator is performed (step S172). In the present embodiment, the hot may be a series of processes for controlling exposure from the member stores according to the priority order or exposing a specific menu of the specific member store according to the priority order. Further, a series of processes for controlling exposure of points, stamps, coupons and the like most popular with buyers in a certain order may be used.

  After checking that hot management is not requested in step S170 or executing step S172, the process ends.

  14 and 15 are flowcharts for explaining the operation of the mobile wallet application according to the embodiment of the present invention.

  Referring to FIGS. 14 and 15, it is checked whether or not the purchaser requests to issue a point-type membership card (step S200).

  If it is checked in step S200 that a point-type membership card issuance is requested, a point-type membership card issuance operation is performed (step S210).

  After performing step S210, or if it is checked in step S200 that point type membership card issuance is not requested, it is checked whether or not a purchase of point type membership card by the purchaser is requested (step S220).

  If it is checked in step S220 that a point-type membership card accumulation request is requested, a point-type membership card accumulation operation is performed (step S230).

  After performing step S230, or if it is checked in step S220 that no point-type membership card accumulation is requested, it is checked whether or not the purchaser requests use of the point-type membership card (step S240).

  If it is checked in step S240 that the use of the point type membership card is requested, a point type membership card use operation is performed (step S250).

  After performing step S250, or if it is checked in step S240 that the use of the point type membership card is not requested, it is checked whether or not the purchaser requests the purchase of the stamp type membership card (step S300).

  If it is checked in step S300 that a stamp type membership card issuance is requested, a stamp type membership card issuance operation is performed (step S310).

  After performing step S310, or if it is checked in step S300 that a stamp-type membership card issuance is not requested, it is checked whether a stamp-type membership card is requested by the purchaser (step S320).

  If it is checked in step S320 that a stamp type membership card accumulation request is made, a stamp type membership card accumulation operation is performed (step S330).

  After performing step S330, or if it is checked in step S320 that no stamp-type membership card accumulation is requested, it is checked whether the purchaser requests use of the stamp-type membership card (step S340).

  If it is checked in step S340 that the use of a stamp-type membership card is requested, a stamp-type membership card is used (step S350).

  After performing step S350, or if it is checked in step S340 that the use of a stamp-type membership card is not requested, it is checked whether or not a download coupon is requested by the purchaser (step S400).

  If the download coupon download request is checked in step S400, a download coupon download operation is performed (step S410).

  After performing step S410, or if the download type coupon download request is not requested in step S400, it is checked whether there is a coupon use request by the purchaser (step S420).

  After performing step S430, or if the coupon use request is checked in step S420, a coupon use operation is performed (step S430).

  FIG. 16 is a flowchart for explaining the point-type membership card issuance step shown in FIGS. 17 to 20 are examples of user interface screens displayed on the smartphone corresponding to the point type membership card issuance stage illustrated in FIG.

  Referring to FIG. 16, it is checked whether there is a request for adding a point membership card by a user who wishes to issue a point membership card (step S2110). Here, the user is a user who has been approved through input of an account and a password by executing an application having a mobile wallet service function mounted on his / her smartphone.

  If a request for adding a point-type membership card is checked in step S2110, a point-type membership card that can be added is displayed through a user interface screen as shown in FIG. 17 (step S2112).

  It is checked whether or not the user has selected a specific point type membership card that can be added in the step S2112 (step S2114).

  As the specific point type membership card is selected in step S2114, detailed information on the point type membership card is displayed through the user interface screen as shown in FIG. 18 (step S22116).

  Next, it is checked whether or not there is a request for downloading the point type membership card (step S2118).

  If the download request for the point type membership card is checked in step S2118, the agreement agreement screen is displayed (step S2120).

  It is checked whether the user agrees with the agreement on the agreement agreement screen displayed in step S2120 (step S2122).

  If it is checked in step S2122 that the user does not agree to the terms, feedback is provided in step S2116.

  If it is checked in step S2122 that the user has agreed to the terms, the point-type membership card is downloaded through the user interface screen as shown in FIG. 19, and the downloaded point-type membership card is stored in My Page (step S2122). S2124). In this embodiment, after the agreement agreement screen is displayed, when the agreement is agreed, the step of displaying the agreement agreement screen described above can be omitted with respect to downloading the point type membership card.

  Next, it is checked whether or not the point type membership card has been downloaded (step S2126).

  If it is checked in step S2126 that the download of the point type membership card is completed, the detailed information of the downloaded point type membership card is exposed through the user interface screen as shown in FIG. 20, and the point and the QR code (registered trademark) are displayed. Is displayed (step S2128).

  FIG. 21 is a flowchart for explaining the point-type membership accumulation stage illustrated in FIGS. 14 and 15. 22 to 27 are examples of user interface screens displayed on the smartphone corresponding to the point-type membership accumulation stage shown in FIG.

  Referring to FIG. 21, it is checked whether a user who wants to accumulate point type memberships has selected a specific point type membership card through a user interface screen as shown in FIG. 22 (step S2310).

  If it is checked in step S2310 that the user selects a specific point type membership card, detailed information on the point type membership card selected through the user interface screen as shown in FIG. 23 is displayed (step S2312). The detailed information includes a point and a QR code (registered trademark).

  Next, after contacting the optical code reader for sales information input and point accumulation execution, it is checked whether or not QR code (registered trademark) recognition is completed (step S2316). In the present embodiment, the number of accumulated points is 1300 points.

  If it is checked in step S2316 that QR code (registered trademark) recognition is completed, it is checked whether the user selects the refresh button through the user interface screen as shown in FIG. 24 (step S2318). The refresh button has a shape of two rotating arrows displayed on the upper right of the user interface screen of FIG.

  If it is checked that the refresh button is selected in step S2318, the standby points and usable points are displayed through the user interface screen as shown in FIG. 25 (step S2320). In FIG. 25, the standby point is 1000 points, and the available points are 1300 points.

  Next, it is checked whether or not the use breakdown button is selected by the user through the user interface screen as shown in FIG. 26 (step S2322).

  If it is checked that the use breakdown button is selected in step S2322, the accumulated breakdown is displayed through the user interface screen as shown in FIG. 27 (step S2324).

  FIG. 28 is a flowchart for explaining the point-type membership use stage shown in FIGS. FIGS. 29 to 33 are examples of user interface screens displayed on the smartphone corresponding to the point-type membership use stage shown in FIG.

  Referring to FIG. 28, it is checked whether or not a specific point type membership card is selected by a user who desires to use a point type membership point through a user interface screen as shown in FIG. 29 (step S2510).

  If it is checked in step S2510 that the user selects a specific point type membership card, detailed information on the point type membership card used through the user interface screen as shown in FIG. 30 is displayed (step S2512). The detailed information for the point type membership card includes points to be used and a QR code (registered trademark). In this embodiment, the points used are 1000 points and the usable points are 1300 points.

  Next, after contacting the optical code reader for inputting sales information and using points, it is checked whether or not QR code (registered trademark) recognition is completed (step S2516). In the present embodiment, the points used are 500 points, and the accumulated points are 1000 points.

  If it is checked in step S2516 that QR code (registered trademark) recognition is completed, it is checked whether or not the refresh button is selected (step S2518).

  If it is checked that the refresh button is selected in step S2518, the standby points and usable points are displayed through the user interface screen as shown in FIG. 30 (step S2520). In this embodiment, the waiting point is 500 points, and the usable point is 1300 points.

  Next, it is checked whether the use breakdown button is selected through the user interface screen as shown in FIG. 32 (step S2522).

  If it is checked that the use breakdown button is selected in step S2522, the point use breakdown of the point membership card is displayed through the user interface screen as shown in FIG. 33 (step S2524). In this embodiment, the displayed point usage breakdown is 1000 points for the first commemorative accumulated points, 1300 points accumulated at the Gangnam store, 500 points used at the Yeoksam store, and at the Yeoksam store. It is illustrated that the accumulated points are 1000 points.

  FIG. 34 is a flowchart for explaining a stamp type membership card issuing step shown in FIGS. 35 to 39 are examples of user interface screens displayed on the smartphone in response to the stamp type membership card issuance stage shown in FIG.

  Referring to FIG. 34, it is checked whether there is a request for adding a stamp type membership card by the user through the user interface screen as shown in FIG. 35 (step S3110). By selecting the New button on the user interface screen shown in FIG. 35, the user can request addition of a stamp type membership card.

  If it is checked in step S3110 that the addition of the stamp type membership card is requested, a stamp type membership card that can be added corresponding to the user peripheral area is displayed through the user interface screen as shown in FIG. 36 (step S3112). .

  It is checked whether or not the user has selected a stamp-type membership card that can be added displayed in step S3112 (step S3114). By selecting a specific stamp type membership card on the user interface screen illustrated in FIG. 36, the user can select a stamp type membership card that can be added.

  If it is checked in step S3114 that the user selects a specific stamp type membership card, detailed information is displayed through the user interface screen as shown in FIG. 37 (step S3116).

  Next, it is checked whether or not there is a request for downloading a stamp-type membership card (step S3118). By selecting the Download button on the user interface screen shown in FIG. 37, the user can request downloading of the specific stamp type membership card.

  If the download request is checked in step S3118, the agreement agreement screen is displayed (step S3120).

  In the agreement agreement screen displayed in step S3120, it is checked whether the user agrees with the agreement (step S3122).

  If it is checked in step S3122 that the user does not agree to the agreement, feedback is provided in step S3116.

  If it is checked in step S3122 that the user has agreed to the agreement, the stamp-type membership card is downloaded through the user interface screen as shown in FIG. 38 and stored in My Page (step S3124). In this embodiment, after the agreement agreement screen is displayed, when the agreement is agreed, the step of displaying the agreement agreement screen described above can be omitted with respect to downloading the stamp type membership card.

  Next, it is checked whether or not the download is completed (step S3126).

  If it is checked in step S3126 that the download has been completed, the detailed information for the newly issued stamp type membership card is exposed through the user interface screen as shown in FIG. 39, and the stamp and the QR code (registered trademark) are displayed ( Step S3128).

  FIG. 40 is a flow chart for explaining the stamp type membership accumulation stage shown in FIGS. 41 to 46 are examples of user interface screens displayed on the smartphone corresponding to the stamp type membership accumulation stage shown in FIG.

  Referring to FIG. 40, it is checked whether a user who desires to accumulate stamps for a stamp type membership card through a user interface screen as shown in FIG. 41 selects a specific stamp type membership card (step S3310).

  If it is checked that the specific stamp type membership card is selected in step S3310, the stamp and the QR code (registered trademark) are displayed through the user interface screen as shown in FIG. 42 (step S3312).

  Next, after contacting the optical code reader for inputting sales information and applying stamps, it is checked whether or not QR code (registered trademark) recognition is completed (step S3316).

  If it is checked in step S3316 that the QR code (registered trademark) recognition is completed, it is checked whether or not the refresh button is selected through the user interface screen as shown in FIG. 43 (step S3318).

  If it is checked in step S3318 that the refresh button is selected, stamps accumulated through the user interface screen as shown in FIG. 44 are displayed (step S3320).

  Next, it is checked whether or not the use breakdown button is selected through the user interface screen as shown in FIG. 45 (step S3324).

  If it is checked that the use breakdown button is selected in step S3324, a stamp accumulation breakdown is displayed through the user interface screen as shown in FIG. 46 (step S3326).

  FIG. 47 is a flowchart for explaining the stamp-type membership use stage shown in FIGS. 48 to 53 are examples of user interface screens displayed on the smartphone corresponding to the stamp-type membership use stage shown in FIG.

  Referring to FIG. 47, it is checked whether or not a specific stamp type membership card is selected by a user who desires to use a stamp type membership card through a user interface screen as shown in FIG. 48 (step S3510).

  If it is checked that a specific stamp type membership card is selected in step S3510, detailed information of the stamp type membership card is displayed (step S3512). The detailed information of the stamp type membership card includes a stamp and a QR code (registered trademark) through a user interface screen as shown in FIG.

  Next, after contacting the optical code reader for sales information input and stamp application execution (step S3514), it is checked whether or not QR code (registered trademark) recognition is completed (step S3516).

  If it is checked in step S3516 that QR code (registered trademark) recognition is completed, it is checked whether or not the refresh button is selected through the user interface screen as shown in FIG. 50 (step S3518).

  If it is checked in step S3518 that the refresh button is selected, the used stamp is displayed through the user interface screen as shown in FIG. 51 (step S3520).

  Next, it is checked whether the use breakdown button is selected through the user interface screen as shown in FIG. 52 (step S3524).

  If it is checked that the use breakdown button is selected in step S3524, the use breakdown is displayed through the user interface screen as shown in FIG. 53 (step S3524).

  FIG. 54 is a flowchart for explaining a download stage of the downloadable coupon shown in FIGS. FIG. 55 to FIG. 60 are examples of user interface screens displayed on the smartphone corresponding to the download stage of the download coupon shown in FIG.

  Referring to FIG. 54, it is checked whether a refresh button is selected by a user who desires to download a downloadable coupon through a user interface screen as shown in FIG. 55 (step S4110).

  If it is checked in step S4110 that the refresh button is selected, the display of the downloadable coupon registered on the specific seller side through the user interface screen as shown in FIG. 56 is displayed (step S4112).

  Next, it is checked whether or not a specific download type coupon is selected from among the download type coupons displayed on the user interface screen in step S4112 (step S4114).

  If it is checked in step S4114 that the specific download type coupon is selected, the detailed information of the download type coupon is displayed through the user interface screen as shown in FIG. 57 (step S4116).

  Next, it is checked whether or not an additional button is selected through a user interface screen as shown in FIG. 58 (step S4118). In FIG. 58, the add button is an Add button.

  If it is checked in step S4118 that the add button is selected, a list of coupons that can be added is displayed through the user interface screen as shown in FIG. 59 (step S4120).

  Next, the downloadable coupon list displayed in step S4120 is checked for the download request of the specific coupon (step S4122). If the download of the specific coupon is requested, the downloadable coupon is downloaded and stored in My Page. Later (step S4124), feedback is provided in step S420. If it is checked in step S4122 that the download of the specific coupon is not requested, it can be fed back in step S4116 or in step S420.

  On the other hand, if it is checked in step S4118 that the add button is not selected, it is checked whether or not to select a peripheral button to be displayed on the user interface screen as shown in FIG. 58 (step S4126). In FIG. 58, the user's peripheral button is an arrow indicating the direction of 8 o'clock.

  If it is checked in step S4126 that the user selects his / her peripheral button, a list of coupons registered corresponding to his / her vicinity is displayed through the user interface screen as shown in FIG. 60 (step S4188), and then step S4122. Give feedback.

  FIG. 61 is a flowchart for explaining a download stage of the issuance-type coupon shown in FIGS. 62 to 66 are examples of user interface screens displayed on the smartphone corresponding to the issue coupon download stage shown in FIG.

  Referring to FIG. 61, it is checked whether an add button by a user who desires to download an issuance-type coupon is selected through a user interface screen as shown in FIG.

  If it is checked in step S4310 that the add button is selected, the issue coupon registered on the specific seller side is displayed through the user interface screen as shown in FIG. 63 (step S4312).

  Next, it is checked whether or not a specific issue coupon is selected (step S4314).

  If it is checked in step S4314 that the specific issue coupon is selected, a push alarm message is displayed through the user interface screen as shown in FIG. 64 as the specific issue coupon is requested to be downloaded and arrives. (Step S4316).

  Next, it is checked whether the user selects the confirmation button on the push alarm message through the user interface screen as shown in FIG. 65 (step S4318).

  If it is checked in step S4318 that the user has selected the confirmation button, the issuance-type coupon is downloaded and stored in My Page (step S4320).

  Next, the detailed information of the issuance-type coupon is displayed through the user interface screen as shown in FIG. 66 (step S4322). The detailed information on the issued coupon may include a QR code (registered trademark).

  FIG. 67 is a flowchart for explaining the use stage of the coupon shown in FIGS. 14 and 15. 68 to 71 are examples of user interface screens displayed on the smartphone corresponding to the use stage of the coupon shown in FIG.

  Referring to FIG. 67, whether or not a specific coupon is selected by a user who desires to use a download coupon or an issue coupon is checked through a user interface screen as shown in FIG. 68 (step S4510).

  If it is checked in step S4510 that a specific coupon is selected, detailed information on the coupon is displayed through a user interface screen as shown in FIG. 69 (step S). The detailed information of the coupon may include a QR code (registered trademark).

  Next, after contacting the optical code reader for sales information input and coupon use (step S4514), it is checked whether or not QR code (registered trademark) recognition is completed (step S4516).

  If it is checked in step S4516 that QR code (registered trademark) recognition is completed, it is checked whether or not the refresh button is selected (step S4518). The refresh button has a shape of two rotating arrows displayed on the upper right of the user interface screen shown in FIG.

  If it is checked in step S4518 that the refresh button is selected, a use completion message is displayed through the user interface screen as shown in FIG. 70 (step S4520). In addition, it is possible to further display a list of coupons whose use has been completed through the user interface screen shown in FIG.

  Although the above description has been made with reference to the embodiments, those skilled in the art can variously modify the present invention without departing from the spirit and scope of the present invention described in the following claims. And understand that there is a possibility of change.

  As described above, according to the present invention, it is possible to substitute a membership card or a point card for an application installed on a smartphone to be issued and managed by a plastic card or a paper card. it can.

  The buyer displays the optical code corresponding to the point, the optical code corresponding to the stamp, or the optical code corresponding to the coupon through his / her smartphone, and the seller recognizes the optical code when making a payment. When processing the settlement amount, the settlement amount is deducted based on the points, stamps, and coupons, and the points and stamps are accumulated. Along with this, the seller will reduce the cost required for purchasing and maintaining the POS terminal by reflecting the points, stamps, and coupons through the smartphone that does not have a separate POS terminal, and making payments. be able to. Buyers can manage points, stamps, coupons, etc. through their smartphones without having a plastic or paper type membership card.

10 Seller's smartphone
20 Purchaser's smartphone 200 Mobile wallet management system 250 DB
260 Placement server 270 Web server
280 Data middleware server
102 Key input unit 104 Memory unit
106 Display unit 108 Processor
110 RF unit 112 Audio unit
114 Optical Code Reader 2100 Dynamic Control Server
2200 Application server
2300 Data agent server 2400 External gateway server
2500 Oracle DB
2600 Deployment server
2700 Central administrator server

Claims (17)

As the merchant's smartphone is activated, displaying a function selection screen including a button for selecting a point accumulation / use function,
Recognizing the optical code displayed on the purchaser's smartphone as the point accumulation / use function is selected;
As the optical code is recognized, displaying a screen for entering the possession points, use points and settlement amount corresponding to the recognized optical code;
After the seller inputs the payment amount, the selected payment amount is provided to the electronic payment proxy PG system as the payment amount deducted based on the usage points is selected as the mobile wallet. An amount settlement method including a stage of transmission to a management system. The function selection screen further includes a button for selecting a coupon use function, and as the coupon use function is selected, recognizing an optical code to be displayed on a purchaser's smartphone;
Displaying the coupon information corresponding to the recognized optical code as the optical code is recognized;
The method of claim 1, further comprising transmitting a payment amount corresponding to the coupon to a mobile wallet management system as a seller selects a button to be used on the displayed coupon information screen. Amount settlement method. The function selection screen further includes a button for selecting a stamp accumulation function, and as the stamp accumulation function is selected, recognizing an optical code displayed on the purchaser's smartphone;
Displaying the stamp information corresponding to the recognized optical code as the optical code is recognized;
Displaying a screen for entering a payment amount as the seller selects a button to be used on the displayed stamp information screen;
The method further includes transmitting stamp information to a mobile wallet management system so that the payment amount and a stamp corresponding to the payment are accumulated as the seller selects a button to be applied after inputting the payment amount. The amount settlement method according to claim 1. The function selection screen further includes a button for selecting a stamp use function, and as the stamp use function is selected, recognizing an optical code to be displayed on a purchaser's smartphone;
Displaying the stamp information corresponding to the recognized optical code as the optical code is recognized;
The method of claim 1, further comprising: transmitting a payment amount corresponding to the stamp to a mobile wallet management system as the seller selects a button to be used on the displayed stamp information screen. Amount settlement method. A display unit;
An optical code reader machine,
A processor;
A function selection screen including a memory arranged to communicate with the processor and storing instructions adapted to the processor, the instructions activating the seller's smartphone and including a button for selecting a point accumulation / use function As the point accumulation / use function is selected, the optical code reader is activated to recognize the optical code displayed on the purchaser's smartphone, and the optical code is recognized. As a result, a screen for entering the possession point, use point and settlement amount corresponding to the recognized optical code is displayed on the display unit, and after the seller inputs the settlement amount, the button to be applied is selected. The payment amount deducted based on the points used is provided to the electronic payment agency PG system. Amount approval and wherein the transmitting the subtracted the payment amount as a mobile wallet management system.   The function selection screen further includes a button for selecting a coupon use function, and the instruction activates the optical code reader so as to recognize the optical code displayed on the purchaser's smartphone as the coupon use function is selected. As the optical code is recognized, coupon information corresponding to the recognized optical code is displayed on the display unit, and a button used by the seller on the displayed coupon information screen is selected. A screen for entering the settlement amount is displayed on the display unit, and after the seller inputs the settlement amount, the settlement amount is transmitted to the mobile wallet management system corresponding to the coupon as the button to be applied is selected. The amount settlement apparatus according to claim 5.   The function selection screen further includes a button for selecting a stamp accumulation function, and the instruction activates the optical code reader to recognize an optical code to be displayed on a purchaser's smartphone as the stamp accumulation function is selected. As the optical code is recognized, stamp information corresponding to the recognized optical code is displayed on the display unit, and a button used by the seller is selected on the displayed stamp information screen. A screen for entering the settlement amount is displayed on the display unit, and after the seller inputs the settlement amount, the stamp corresponding to the settlement amount and the settlement is accumulated as the button to be applied is selected. 6. The money settlement apparatus according to claim 5, wherein the information is transmitted to a mobile wallet management system.   The function selection screen further includes a button for selecting a stamp use function, and the instruction activates the optical code reader so as to recognize the optical code displayed on the purchaser's smartphone as the stamp use function is selected. As the optical code is recognized, stamp information corresponding to the recognized optical code is displayed on the display unit, and a button used by the seller is selected on the displayed stamp information screen. The amount settlement apparatus according to claim 7, wherein the settlement amount is transmitted to the mobile wallet management system in correspondence with the stamp. Issuing, accumulating and using point-type membership by user operation,
Issuing, accumulating and using stamp-type membership by user operation,
A mobile wallet service method including a step of downloading and using a downloadable coupon by a user operation. The step of issuing the point type membership includes a step of displaying a point type membership card that can be added by a user's point type membership addition request for issuing the point type membership;
Displaying detailed information of the point type membership card as the user selects one of the newly registered point type membership cards;
Downloading the point-type membership card as the user requests the download and storing it on My Page;
10. The mobile wallet service method according to claim 9, further comprising the step of exposing the detailed information of the point type membership card issued as the download is completed and displaying the newly issued point and the optical code. The step of accumulating the point-type membership includes displaying points and optical codes of the point-type membership card as the user selects a specific point-type membership for the issued point-type membership accumulation. ,
After the recognition of the optical code by the optical code reader for sales information input and point accumulation execution is finished, displaying a waiting point and an available point as the user selects the refresh button;
10. The mobile wallet service method according to claim 9, further comprising the step of displaying the accumulated breakdown as the user selects the accumulated breakdown button. The step of using the point type membership includes displaying a point and an optical code of the point type membership card as the user selects a specific point type membership for using the accumulated point type membership. When,
After the recognition of the optical code by the optical code reader for inputting sales information and executing the use of points, the stage of displaying the standby points and the usable points as the user selects the refresh button, and the user uses the breakdown button The mobile wallet service method according to claim 10, further comprising a step of displaying a breakdown of usage as the user selects the item. The step of issuing the stamp type membership includes displaying a stamp type membership card that can be added by a user's request for adding a stamp type membership for the purpose of issuing the stamp type membership;
When the user selects one of the newly registered stamp type membership cards, the step of displaying the detailed information of the stamp type membership card and downloading the stamp type membership card as the user requests the download And save to My Page,
10. The mobile wallet service method according to claim 9, further comprising the step of exposing the detailed information of the issued stamp-type membership card as the download is completed and displaying the newly issued stamp and the optical code. The step of accumulating the stamp type membership includes displaying a stamp and an optical code of the stamp type membership card as the user selects a specific stamp type membership for the issued stamp type membership accumulation. ,
Displaying a standby stamp and an available stamp as the user selects the refresh button after the recognition of the optical code by the optical code reader for sales information input and stamp accumulation execution is completed;
10. The mobile wallet service method according to claim 9, further comprising the step of displaying a funded breakdown as the user selects a usage breakdown button. The step of using the stamp-type membership includes displaying a stamp and an optical code of the stamp-type membership card as the user selects a specific stamp-type membership for the use of the accumulated stamp-type membership. When,
Displaying the standby stamp and the available stamp as the user selects the refresh button after the recognition of the optical code by the optical code reader for entering the sales information and performing the stamp use;
10. The mobile wallet service method according to claim 9, further comprising displaying a usage breakdown as the user selects a usage breakdown button. The step of downloading the download-type coupon includes displaying a posting of the coupon registered by the administrator corresponding to the user peripheral area as the user selects refresh in order to download the download-type coupon;
As the user selects a coupon, displaying coupon details information;
The mobile wallet service method according to claim 9, further comprising: downloading a specific coupon from among registered coupons, and storing the coupon on a My Page. Using the downloadable coupon includes displaying detailed information and an optical code of the downloadable coupon as the user selects a specific downloadable coupon for use of the downloadable coupon;
10. The method of claim 9, further comprising displaying a use completion message so that the use completion process is confirmed as the user selects the refresh button after the optical code is recognized by the optical code reader. The mobile wallet service method described.

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