KR101669594B1 - System for performing payment process and method for controlling the same - Google Patents

Abstract

A system including a mobile device, a service terminal, a first server, and a second server for executing a payment process using a two-dimensional barcode and each control method are disclosed. A method of controlling a system according to an embodiment of the present invention includes the steps of displaying information about a specific product by a service terminal and transmitting a payment request signal for the specific product from the service terminal Generating a two-dimensional barcode that is mapped with at least one URL information by the first server or the second server, and transmitting the generated two-dimensional barcode to the service terminal Displaying the generated two-dimensional bar code by the service terminal, and when the mobile device recognizes the displayed two-dimensional bar code, the mobile device transmits the mapped URL Displaying a standard settlement window for settlement of the specific commodity based on the information; The.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a mobile device, a service terminal, a system including a first server and a second server for executing a payment process using a two-dimensional bar code,

The present invention relates to electronic commerce and online settlement. For example, the present invention is applicable to a system-related technology capable of making a payment process using a two-dimensional bar code.

According to the technology development of the mobile terminal, a solution for quicker settlement on the online / offline basis is being discussed. On the other hand, it has been forced to provide a standard payment window in connection with a micropayment of a mobile terminal.

The standard payment settlement window refers to a payment settlement window that standardizes items and requirements so that a customer can accurately recognize and settle contents regarding settlement using a mobile terminal (e.g., a mobile phone or the like).

However, in a device (for example, a smart TV, a kiosk, etc.) where input of basic information for electronic payment is inconvenient, it is difficult to input a telephone number, a resident registration number, . For example, in order to input a standard settlement window from a public kiosk, there is a problem such as leakage of personal information. In order to input various items required by a standard settlement window through a TV remote control, .

KIOSK (KIOSK) is an unmanned information terminal installed in a public place such as a government agency, a local government, a bank, a department store, or an exhibition hall, and can be used for dynamic traffic information and public transportation information, route guidance, Provides business information, various phone numbers and address information, administrative procedures and product information, and how to use facilities. Touch screen and sound. graphic. It can also refer to an unmanned comprehensive information guidance system that provides efficient information to users such as voice service and video implementation utilizing advanced multimedia devices such as communication cards.

The present invention is directed to solving the above-mentioned problems and other problems.

According to one embodiment of the present invention, in a variety of device environments, a specific graphic image (e.g., a two-dimensional bar code, a QR code, etc.) So as to define a solution capable of providing a micropayment service for mobile phones without separately collecting personal information at the merchant. For example, purchasing of contents, goods, and the like is performed in a terminal such as a smart TV or a kiosk. However, by using another third device (e.g., mobile terminal, smart phone, etc.) We want to improve both payment speed and security. The payment information corresponds to, for example, comprehensive information necessary for receiving a mobile phone micro settlement service.

According to another embodiment of the present invention, there is provided a settlement service for a technology environment in which a standard settlement window provided by a payment gateway (PG) can not be implemented on a web basis in order to use a mobile phone micro settlement service. For example, a user implements a service without installing a dedicated application in a smart phone, and minimizes a possible error by providing a payment service by specifying a transaction type.

According to another embodiment of the present invention, an affiliated shop that can not use the web-based payment window of the PG can not provide the mobile phone settlement service according to the amendment of the personal information protection law, and thus the kiosk, the IPTV, In the device environment, the mobile payment settlement service can not be provided, so that the settlement convenience of the user is lowered. Furthermore, it has a technical purpose of essentially eliminating the feeling of rejecting the input of payment information even in a common PC environment such as a PC room.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory and are not restrictive of the invention, unless further departing from the spirit and scope of the invention as defined by the appended claims. It will be possible.

According to another aspect of the present invention, there is provided a method of controlling a system including a mobile device, a service terminal, a first server, and a second server for executing a payment process using a two-dimensional bar code according to an embodiment of the present invention, The method comprising the steps of: displaying information on a specific commodity by a terminal; transmitting a settlement request signal for the specific commodity from the service terminal to a second server via a first server; The method comprising: generating a two-dimensional bar code mapped to at least one URL information by a second server; transmitting the generated two-dimensional bar code to the service terminal; Dimensional bar code to the displayed two-dimensional bar code by the mobile device, If true recognition is made, the mobile device comprises the step of displaying the standard payment window for payment for the specific goods on the basis of the map URL information.

A content provider (CP) server capable of data communication with a service terminal and a payment gateway (PG) server according to an embodiment of the present invention includes a first receiving module for receiving a payment request signal for a specific product from the service terminal, A first transmission module for transmitting the received request signal to the payment gateway server, and a second receiving module for receiving a unique key value from the PG server, wherein the unique key value includes a payment request user and a payment request A generating module for generating a graphic image mapped with the unique key value or at least one URL information, and a second transmitting module for transmitting the generated graphic image to the service terminal, .

A control method of a payment gateway (PG) server capable of data communication with a content provider (CP) server and a mobile device according to an embodiment of the present invention includes receiving a payment request signal for a specific product from the CP server Generating a graphic image mapped to a unique key value or at least one URL information, transmitting the generated graphic image to the CP server, and using the URL information mapped with the graphic image When the mobile device is accessed, transmitting predetermined predetermined additional information necessary for payment of the specific goods to the mobile device.

Effects of the mobile terminal and the control method according to the present invention will be described as follows.

According to at least one of the embodiments of the present invention, the purchase of content, goods, and the like is performed in a terminal such as a smart TV or a kiosk, but only in a specific process related to settlement, a third device (for example, Smart phone, etc.), there is a technical effect that both settlement speed and security can be improved.

According to another embodiment of the present invention, a settlement service can be performed even in a technical environment in which a standard settlement window provided by a payment gateway (PG) can not be implemented on the Web in order to use a mobile phone micro settlement service. For example, it is possible to implement a service without providing a dedicated application in a smart phone, and to minimize a possible error by providing a settlement service by specifying each transaction, thus solving the problems of the related art.

Further scope of applicability of the present invention will become apparent from the following detailed description. It should be understood, however, that the detailed description and specific examples, such as the preferred embodiments of the invention, are given by way of illustration only, since various changes and modifications within the spirit and scope of the invention will become apparent to those skilled in the art.

1 is a view for explaining a standard settlement window related to the present invention.
FIG. 2 illustrates a signal processing relationship of a system for processing a payment process using a two-dimensional bar code and a third device according to an embodiment of the present invention.
FIG. 3 illustrates content payable in a first device according to an embodiment of the present invention.
Fig. 4 shows a process in which the content of Fig. 3 is changed to a specific image, and the second device recognizes the specific image.
FIG. 5 illustrates a standard settlement window provided by the second device of FIG.
FIG. 6 specifically defines a flow of data necessary for proceeding a payment service in an environment including a first device, a second device, and a plurality of servers according to an embodiment of the present invention.
Figures 7-9 illustrate applicable technical environments in which one embodiment of the present invention is applicable.
FIGS. 10 to 13 sequentially illustrate graphic images generated by the first device and the second device, respectively, according to another embodiment of the present invention.
FIG. 14 illustrates a signal processing relationship of a system for processing a payment process using a two-dimensional bar code and a second device according to another embodiment of the present invention.
FIG. 15 specifically defines a flow of data necessary for proceeding a payment service in an environment including a first device, a second device, and a plurality of servers according to another embodiment of the present invention.
FIGS. 16 through 19 sequentially illustrate graphic images generated by the first device and the second device, respectively, in accordance with another embodiment of the present invention.
20 shows a signal processing relationship of a system for processing a payment process using a two-dimensional bar code and a second device according to another embodiment of the present invention.
FIG. 21 specifically defines a flow of data necessary for proceeding a payment service in an environment including a first device, a second device, and a plurality of servers according to another embodiment of the present invention.
FIG. 22 is a flow chart for enhancing security by enabling QR code settlement according to a position restriction of a second device according to another embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, wherein like reference numerals are used to designate identical or similar elements, and redundant description thereof will be omitted. The suffix "module" and " part "for the components used in the following description are given or mixed in consideration of ease of specification, and do not have their own meaning or role. In the following description of the embodiments of the present invention, a detailed description of related arts will be omitted when it is determined that the gist of the embodiments disclosed herein may be blurred. It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. , ≪ / RTI > equivalents, and alternatives.

Terms including ordinals, such as first, second, etc., may be used to describe various elements, but the elements are not limited to these terms. The terms are used only for the purpose of distinguishing one component from another.

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

The singular expressions include plural expressions unless the context clearly dictates otherwise.

In the present application, the terms "comprises", "having", and the like are used to specify that a feature, a number, a step, an operation, an element, a component, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

The mobile terminal described in this specification includes a mobile phone, a smart phone, a laptop computer, a digital broadcasting terminal, a personal digital assistant (PDA), a portable multimedia player (PMP), a navigation device, a slate PC A tablet PC, an ultrabook, a wearable device such as a smartwatch, a smart glass, and a head mounted display (HMD). have.

However, it will be appreciated by those skilled in the art that the configuration according to the embodiments described herein may be applied to fixed terminals such as a digital TV, a desktop computer, a digital signage, and the like, will be.

1 is a view for explaining a standard settlement window related to the present invention.

According to an embodiment of the present invention, a user must input various information into a standard settlement window in order to perform a small-scale settlement of a mobile phone. As described above, and as shown in FIG. 1, the standard settlement window has predetermined basic items and requirements, for example, so that the customer can accurately recognize and pay for the settlement of the mobile phone.

However, if such a micropayment process is performed using a smart TV, it takes a considerable amount of process time to input various items, letters, numbers, and the like required by a standard payment window, compared with a mobile terminal.

In addition, when the microcredit payment process is conducted in the kiosk, if the standard payment window can not be displayed due to technical limitations of the kiosk, there is a fundamental problem that the settlement itself is impossible.

When such a micropayment process is carried out on a common PC or the like, there is a limit in that the utilization rate is significantly lowered due to issues such as actual security and hacking.

A solution for solving all of the above problems will be described in detail with reference to FIG. 2 to FIG. Of course, the standard settlement window for micropayment is one example, and it is obvious that the present invention is also applicable to an electronic settlement technology environment that is performed on another online / offline basis.

FIG. 2 illustrates a signal processing relationship of a system for processing a payment process using a two-dimensional bar code and a third device according to an embodiment of the present invention.

As described above, according to one embodiment of the present invention, a graphics image (e.g., QR code) unique to each transaction is designed to be used in another device for progressing a payment process in various device environments. The other device can use, for example, an application capable of general-purpose QR code reading, promptly input and authenticate payment information via the mobile web, and settle the payment. In this regard, it will be described in more detail with reference to FIG. 2 below.

2, the system according to an embodiment of the present invention includes a service terminal 201, a CP server 202, and a PG server 203. [ Of course, it is obvious that the system shown in the present specification is an example, and the scope of the right should be determined according to the matters described in the claims. The service terminal 201 may be, for example, a kiosk, a smart TV, or the like.

A signal for selecting a specific product on-line / off-line and requesting payment is transmitted from the service terminal 201 to the CP server 202 (S210). The CP server 202 requests authentication to the PG server 203 and the PG server 203 transmits a payment key value to the CP server 202 at step S220. If the service terminal 201 corresponds to the kiosk of the merchant, it proceeds through server-to-server communication between the CP server 202 and the PG server 203 for merchant authentication and merchandise authentication, Corresponds to a unique transaction key value to be used in the CP server.

The CP server 202 generates a unique QR code including the URL information and the generated key value (key information) and transmits it to the service terminal 201 (S230). Of course, designing to generate the QR code in the PG server 203 is also within the scope of the present invention. Therefore, the service terminal 201 can display the received QR code on the screen.

The user uses the mobile terminal (mobile device) to which the application capable of general-purpose QR code reading is downloaded, recognizes the QR code displayed on the service terminal 201, moves to the mobile web page, inputs the payment information, (S240). 2, payment information is input between the service terminal 201 and the PG server 203. However, as will be clearly shown in FIG. 6, a payment process is performed using a second device other than the service terminal 201 There is another feature of the present invention. In particular, when the service terminal can not provide a standard payment window or it is very difficult to input related information, the present invention has the advantage of solving related problems.

The CP server 202 (for example, an affiliate shop) receives a response to the payment authorization of the PG server 203 and transmits the payment request signal to the PG server 203 again (S250). After receiving the payment completion response signal from the PG server 203, the CP server 202 completes the final approval of the content or the goods in the service terminal 201 (S260).

FIG. 3 illustrates content payable in a first device according to an embodiment of the present invention. 3 will be described in more detail in connection with FIG.

The first device shown in FIG. 3 corresponds to, for example, the service terminal 201 shown in FIG. In FIG. 3, the rectangle highlighted in red corresponds to the specific content the user wants to settle. In step S210 shown in FIG. 2, the graphic image of FIG. 3 may be output.

However, if electronic payment or micropayment is performed using only the first device (e.g., smart TV) shown in FIG. 3, it takes too much time to input the information required for the standard payment window. This is solved in detail in Fig. 4 and Fig.

Fig. 4 shows a process in which the content of Fig. 3 is changed to a specific image, and the second device recognizes the specific image. Fig. 4 is a supplementary analysis with reference to Fig. 2 and Fig.

4 and FIG. 3, it is confirmed that the specific content to be purchased shown in FIG. 3 is changed to a specific image (QR code) in FIG. FIG. 4 corresponds to step S230 described in FIG.

4, when the first device (smart TV) displays the QR code, the second device (mobile device, mobile phone, etc.) captures the output QR code and purchases the specific content The payment process that is required for payment is replaced.

FIG. 5 illustrates a standard settlement window provided by the second device of FIG. With reference to Figs. 2 to 4 described above, Fig. 5 can be supplementarily analyzed.

FIG. 5 may correspond to step S240 shown in FIG. In FIG. 2, although the service terminal 201 is illustrated as an example, the output and payment process of the standard settlement window proceeds through the second device, not the service terminal 201 in practice.

That is, FIG. 5 illustrates a standard consolidation field output by the mobile device, not the service terminal 201. 5, if the service terminal 201 can not provide the standard payment window or has a security problem, the service terminal 201 can select the first service terminal and the content of the specific content through the mobile device as the second device There is an advantage to be able to purchase.

FIG. 6 specifically defines a flow of data necessary for proceeding a payment service in an environment including a first device, a second device, and a plurality of servers according to an embodiment of the present invention. The processes described above with reference to Figs. 2 to 5 will now be described in more detail with reference to Fig.

The system assumes at least four entities, as shown in FIG. For example, the mobile device 610, the service terminal 620, the CP server 630, and the PG server 640 are included. The CP server 630 may correspond to, for example, an affiliate shop operating a kiosk or a specific server that sells content online, and there is no particular limitation.

Further, the PG server 640 may be, for example, a subject in charge of payment and payment of a credit card by making a contract with a credit card company on behalf of a shopping mall or the like which is difficult to conclude a merchant contract with a credit card company, Any entity that acts as a mediator for a transaction is applicable and will be interpreted in accordance with the particulars of the claims and the particulars set forth in that specification.

Meanwhile, the mobile device 610 shown in FIG. 6 may or may not include an action of a user, and will be described later in detail with reference to FIG. 6 in detail.

A user using the service terminal 620 selects a specific product to be purchased on-line / off-line and requests payment (S601). The step S601 does not have to proceed through the mobile device.

In step S602, the service terminal 620 transmits a payment request signal for the specific product specified in step S601 to the CP server 630, including the service terminal information. The CP server 630 transmits the CP authentication and specific goods settlement request signal to the PG server 640 (S603).

The step S603 will be described in more detail as follows.

The PG server 640 verifies the validity of the merchant through the unique ID and password given to the merchant (for example, a specific CP), and the information about the merchant's payment request item (for example, product name, Number, etc.), and includes information received when providing web pages related to payment information input later. Further, as another embodiment, it is also possible to specify the payment user by transmitting the mobile phone number among the payment information together and reflecting the mobile phone number as a default in step S607 to be described later. In this regard, FIG. 10 will be described in detail as another embodiment and another embodiment of the present invention.

The PG server 640 transmits a response signal and a unique key value to the CP server 630 (S604). That is, after authentication, a unique transaction key is assigned to the corresponding transaction, and the key value is valid for a limited time, for example, for 3 minutes. Further, the payment request user and the payment request transaction are designed to be matched by the corresponding merchant or CP server 630 with the corresponding key value.

The CP server 630 transmits a QR code to the service terminal 620 to which URL information that can be moved to the standard settlement window required for the specific commodity purchase is mapped (S605). However, the QR code can be selectively generated by the CP server 630 or the PG server 640. Furthermore, the QR code is mapped to a unique transaction key value and a web page of a merchant (CP), and the corresponding QR code is designed to have unique characteristics for each transaction, thereby making it impossible to use the QR code in duplicate. Therefore, it is designed to be robust against security issues such as hacking.

Then, the mobile device 610 can read the QR code displayed by the service terminal 620 (S606). It is assumed that the QR code reader or related application is downloaded to the mobile device 610.

The mobile device 610 moves to a web page (hidden page) of the merchant based on the recognized QR code, and then moves to a page for inputting payment information provided by the PG server (S607). The user having the mobile device 610 inputs payment information through the corresponding page, and additionally performs a process of user authentication and occupancy authentication.

The PG server 640 transmits an authentication success response signal to the CP server 630 in step S608 and finally the CP server 640 transmits a payment request signal for the specific content to the PG server 640 in step S609, . If there is no problem with the payment information or the user information, the PG server 640 transmits a final payment confirmation signal to the CP server 630 (S610).

Accordingly, the CP server 630 provides the corresponding content to the service terminal 620 after completing the settlement process (S611). For example, a user who wishes to purchase and view the content provided by the smart TV 620 may replace the standard payment window and the payment process on the mobile device 610 instead of outputting and processing the standard payment window using the smart TV And the resultant purchased content is still output through the smart TV 620.

Of course, it is another feature of the present invention that, as shown in FIG. 6, the purchased content and the payment success guide message are additionally transmitted (S612, S613) to the mobile device 610 as well.

An embodiment of the present invention described in the previous drawings will be summarized as follows.

One embodiment of the present invention is directed to a system comprising a mobile device, a service terminal, a first server and a second server for executing a payment process using a two-dimensional bar code.

First, information on a specific product is displayed by the service terminal (see Fig. 3). The payment request signal for the specific product is transmitted from the service terminal to the second server via the first server (S602, S603). More specifically, for example, the first server corresponds to the CP server 630, and the second server corresponds to the PG server 640.

Dimensional barcode mapped with at least one URL information by the first server or the second server, and transmits the generated two-dimensional barcode to the service terminal (S605).

Dimensional barcode is displayed by the service terminal, and when the displayed two-dimensional barcode is recognized by the mobile device (S606), the mobile device displays the generated two-dimensional barcode on the basis of the mapped URL information A standard settlement window for settlement of a specific commodity is displayed (S607).

The CP (content provider) server capable of data communication with the service terminal 620 and the payment gateway (PG) server 640 can be summarized as follows.

The CP server (for example, a merchant) according to an embodiment of the present invention receives a settlement request signal for a specific commodity from the service terminal (for example, performed by the first receiving module) Signal to the PG (payment gateway) server (e.g., in the first transmission module).

Further, the CP server may receive a unique key value from the PG server (e.g., performed by the second receiving module), and the unique key value may be used, for example, to match the payment request user with the payment request item do.

The CP server generates a graphic image mapped to the unique key value or at least one URL information (for example, in a generation module), and transmits the generated graphic image to the service terminal (E.g., in a second transmission module).

Furthermore, from the point of view of a payment gateway (PG) server capable of data communication with a content provider (CP) server and a mobile device, the following is summarized.

The PG server receives a payment request signal for a specific product from the CP server and generates a graphic image mapped with a unique key value or at least one URL information.

The PG server transmits the generated graphic image to the CP server, and when the mobile device is accessed using the URL information mapped with the graphic image, Information to the mobile device.

Figures 7-9 illustrate applicable technical environments in which one embodiment of the present invention is applicable.

As shown in FIG. 7, the service terminal according to an embodiment of the present invention may correspond to a kiosk used in an unmanned locker. Further, as shown in FIG. 8, the service terminal according to an embodiment of the present invention includes any type of terminal in which an online game is executed. For example, it can be applied to an environment in which a specific content is purchased on an online game. As shown in FIG. 9, the service terminal according to an embodiment of the present invention corresponds to a smart TV, an IPTV, and the like.

Meanwhile, in the previous drawings, one embodiment of the present invention has been described in detail so that actual payment is made in a second device (mobile device), which is a specific content in a first device (service terminal).

Hereinafter, another embodiment of the present invention in which the QR code proposed in one embodiment of the present invention is personalized will be described. Hereinafter, the QR code to be described later with reference to FIGS. 10 to 21 means a personalized QR code. The QR code can be QR read through all devices, but the mobile phone number is set as the default, so that it can not be paid through other mobile devices.

In particular, FIGS. 10 to 15 illustrate the initial settlement process for personalizing the QR code, and FIGS. 16 to 21 illustrate the settlement process for the second product after the personalization of the QR code is confirmed (that is, FIGS. 16 to 21 10 to 15 are premised on).

FIGS. 10 to 13 sequentially illustrate graphic images generated by the first device and the second device, respectively, according to another embodiment of the present invention.

As shown in FIG. 10, a service terminal (first device) 1000 displays a specific content 1010 available for purchase. It is impossible to use the specific content 1010 before purchasing, and a payment process is necessarily required.

When the specific content 1010 shown in FIG. 10 is selected, as shown in FIG. 11, the service terminal (first device) 1100 is provided with a guide for inputting a specific mobile number to be used for payment prior to the specific content purchase Gt; 1110 < / RTI > This is different from the embodiment of the present invention described in Figs. 1 to 9.

12, the service terminal (first device) 1200 displays a personalized QR code 1210 at a location where the specific content was displayed or at another location. The QR code 1210 shown in FIG. 12 maps information on a specific mobile phone number, or a part for inputting a mobile phone number when accessing a URL related to a standard payment account window is a mobile phone Designed to be numbered.

12, when the personalized QR code 1210 output by the service terminal (first device) 1200 is photographed using the mobile device (second device) 1250, As shown in FIG. 13A, the mobile device (second device) 1350 displays a standard settlement window. FIG. 13B is an enlarged view of FIG. 13A. In particular, as shown in FIG. 13 (b), the specific mobile phone number input in FIG. 11 is output to the portion 1351 for inputting the mobile phone number in the standard settlement window as a default. Therefore, even if a personalized QR code is photographed by another mobile device, the settlement process can not proceed, and there is a technological effect that the third party hacking can be blocked at its source.

With reference to the above-described drawings, the operation sequence of each subject included in the system according to another embodiment of the present invention will be described in more detail with reference to FIG. 14 and FIG.

FIG. 14 illustrates a signal processing relationship of a system for processing a payment process using a two-dimensional bar code and a second device according to another embodiment of the present invention.

A specific merchandise is selected using the merchant's shop or general service terminal 1410, and a specific request for a payment request signal and a specific mobile number to be used for payment are transmitted to the CP server 1420 (S1401).

The authentication request for payment of the merchant and the specific commodity including the payment mobile phone number input from the service terminal 1410 is performed between the CP server 1420 and the PG server 1430. The PG server 1430 transmits a unique transaction And transmits a key value and a QR code that allows the transaction to proceed to the CP server 1420 (S1402).

The CP server 1420 exposes the QR code received from the PG server 1430 through the service terminal 1410 (S1403).

The user reads the QR code exposed by the service terminal 1410 using the general-purpose QR code reading application, moves to the mobile web page, and proceeds to enter the payment information and perform the authentication procedure (S1404). However, the step S1404 may be performed through a mobile device rather than a service terminal.

The CP server 1420 receives the response to the payment authorization of the PG server 1430, transmits the payment request information to the PG server 1430, and waits for a payment completion response (S1405). After completing the final approval, the CP server 1420 provides the corresponding contents or goods through the service terminal 1410 (S1406).

On the other hand, the QR code generation can be provided to the CP server or the merchant after proceeding in the PG server, and it is also possible to transmit only the key value to the CP, and the CP can perform graphic image conversion through the module provided by the PG server.

FIG. 15 specifically defines a flow of data necessary for proceeding a payment service in an environment including a first device, a second device, and a plurality of servers according to another embodiment of the present invention. In particular, a mobile device has been added in comparison with FIG.

Meanwhile, the mobile device shown in FIG. 15 may or may not include an action of the user. Specifically, the mobile device shown in FIG. 15 will be described later in detail with reference to FIG.

A user using the service terminal selects a specific product to be purchased on-line / off-line and requests payment (S1501). The step S1501 does not have to be performed through the mobile device.

In step S1502, the service terminal transmits a payment request signal for the specific product specified in step S601, and a mobile phone number specified in FIG. 11 to the CP server, including information on the service terminal. The CP server transmits CP authentication, specific product information, and the specified mobile phone number to the PG server (S1503).

Step S1503 will be described in more detail as follows.

The PG server verifies the validity of the merchant through the unique ID and password given to the merchant (for example, a specific CP), and stores information (for example, product name, price information, order number, etc.) And information (in particular, a mobile phone number) received when the web page related to the input of billing information is received. This is the part where technical difference with the embodiment of the present invention described above arises.

The PG server transmits a response signal, a unique key value, and a personalized QR code to the CP server (S1504). That is, after authentication, a unique transaction key is assigned to the corresponding transaction, and the key value is valid for a limited time, for example, for 3 minutes. Further, the payment request user and the settlement request transaction are designed to be able to be matched at the merchant's or CP server with the corresponding key value. Therefore, since the QR code generated in step S1504 includes personalized information, other devices can be read but payment can be made only through a mobile device that matches the mobile phone number. This enhances security.

The CP server transmits to the service terminal a QR code to which URL information capable of moving to a standard settlement window necessary for purchasing the specific commodity is mapped (S1505). However, the QR code can be selectively generated in the CP server or the PG server. Furthermore, the QR code is mapped to a unique transaction key value and a web page of a merchant (CP), and the corresponding QR code is designed to have unique characteristics for each transaction, thereby making it impossible to use the QR code in duplicate.

Then, the mobile device can read the QR code displayed by the service terminal (S1506). It is assumed that a QR code reader or related application is downloaded to the mobile device.

The mobile device moves to a Web page (hidden page) of the merchant based on the recognized QR code, and then moves to a page for inputting payment information provided by the PG server (S1507). The user who owns the mobile device inputs payment information through the page, and further performs a process of user authentication and occupancy authentication.

The PG server transmits an authentication success response signal to the CP server (S1508). Finally, the CP server transmits a settlement request signal for the specific content to the PG server (S1509). If there is no problem with the payment information or the user information, the PG server transmits a final settlement confirmation signal to the CP server (S1510).

Accordingly, after completing the settlement process, the CP server provides the content to the service terminal (S1511). For example, a user who wishes to purchase and view content provided by a smart TV (service terminal), instead of outputting and processing a standard settlement window using a smart TV, may replace the standard settlement window and the settlement process on the mobile device , And the resultant purchased content is still output through a smart TV.

Then, the merchant (CP server) maps the corresponding terminal ID to the user key value provided by the PG server upon completion of payment, and then transmits the key value to the PG server when the same mobile device (same mobile phone number) And provides a quicker and easier payment process to the user without having to enter the payment information (for example, enter the mobile phone number). In this regard, it will be described later in detail with reference to FIG. 16 to FIG.

FIGS. 16 through 19 sequentially illustrate graphic images generated by the first device and the second device, respectively, in accordance with another embodiment of the present invention. The process of registering the initial mobile phone number for personalized QR code generation is described above with reference to FIGS. 10 to 13, and FIGS. 16 to 19, which will be described later, assume FIGS. 10 to 13. That is, there is no need to re-enter the same mobile phone number to create a personalized QR code.

As shown in FIG. 16, the service terminal (first device) 1600 displays a specific content 1610 available for purchase. It is impossible to use the specific content 1610 before purchasing, and a payment process is necessarily required.

When the specific content 1610 shown in FIG. 16 is selected, as shown in FIG. 17, the service terminal (first device) 1700 is provided with a guide for inputting a specific mobile number to be used for payment prior to the specific content purchase Message 1710 to the user. However, unlike FIG. 11 shown previously, a mobile phone number 1711 that is initially registered and a window 1712 for additional input are displayed together. In other words, the problem of delaying the payment process due to the re-entry is solved by previously exposing the mobile phone number in which the over-payment history exists.

Further, as shown in FIG. 18, the service terminal (the first device) can omit the payment information input process and display a window 1810 for inputting the approval number sent to the corresponding mobile device. That is, there is an advantage that the QR code reading process can be omitted. Finally, as shown in Fig. 19, the final payment screen 1910 is output.

With reference to the above-described drawings, the operation procedure of each subject included in the system according to another embodiment of the present invention will be described in more detail with reference to FIG. 20 and FIG.

20 shows a signal processing relationship of a system for processing a payment process using a two-dimensional bar code and a second device according to another embodiment of the present invention.

Selects a specific commodity using the merchant's shop or general service terminal 2010, and transmits a settlement request signal to the CP server 2020 (S2010). At this time, the prepaid history of the corresponding terminal ID is checked through the CP server 2020 or a merchant server, and if there is a mapped user key, the simple payment UI is displayed without exposing the QR code for payment . That is, the drawing as shown in Fig. 17 is displayed on the screen.

The service mobile terminal 2010 selects the previously registered mobile phone number (S2020). When the user performs the simple settlement through the mobile phone number (where the payment history exists), the CP server 2020 transmits the user key value and the authentication request signal to the PG server 2030 (S2030).

The user receives the SMS transmitted from the PG server 2030 to the pre-registered mobile phone, and inputs the approval number to the service terminal 2010. [ In this regard, reference is made to the drawing shown in FIG. 18 above. The input approval number is transmitted to the PG server 2030 through the CP server 2020 (S2040).

The CP server 2020 receives a response to the settlement authentication from the PG server 2030 and transmits the settlement request information to the PG server 2030 again (S2050). The CP server 2020 receives the payment completion response from the PG server 2030 and finally provides the content or the goods to the user through the service terminal 2010 (S2060).

FIG. 21 specifically defines a flow of data necessary for proceeding a payment service in an environment including a first device, a second device, and a plurality of servers according to another embodiment of the present invention. In particular, a mobile device has been added in comparison with FIG.

Meanwhile, the mobile device shown in FIG. 21 may or may not include an action of the user, and will be described later in detail with reference to FIG. 21 in detail.

A user using the service terminal selects a specific product to be purchased on-line / off-line and requests payment (S2101). The step S2101 does not have to be performed through the mobile device.

The service terminal transmits the settlement request signal of the specific commodity specified in the step S2101 to the CP server, including the information of the service terminal (S2102). The CP server confirms a payment history of the corresponding terminal ID (serial number of the service terminal, etc.) and delivers the payment phone number to the service terminal when the payment history exists (S2103). 17 can be referred to. Therefore, in the situation where the screen as shown in FIG. 17 is exposed to the user (S2104), the simple settlement is provided as shown in FIG. 21 when the preset telephone number is selected. On the other hand, if a new telephone number is desired to be settled, the process proceeds to the processes described with reference to FIGS. 10 to 15.

When the user selects a payment number (pre-registered mobile number) on the service terminal (S2105), terminal information, a telephone number, and a payment request signal are transmitted to the CP server (S2106). The PG server verifies the validity of the merchant through the collective ID and the password given to the merchant or the CP, and the information (product name, price, order number, etc.) about the payment request product of the CP server or the merchant and the unique user The key value is transmitted to the PG server (S2107).

The PG server converts the user key value of the user to check whether or not the communication company can make a payment, and then transmits the unique key value to the CP server or the merchant (S2108). The CP server transmits a response to the user authentication to the service terminal (S2109). The service terminal outputs a UI for inputting an authentication number (S2110). See FIG. 18 above.

Further, the PG server transmits an SMS approval number to the mobile device corresponding to the pre-registered mobile number (S2111). The SMS approval number received at the mobile device is input to the service terminal (S2112). In addition, the input SMS approval number is transmitted to the CP server (S2113). The CP server transmits a payment request signal of the transaction together with the approval number input by the user to the PG server (S2114).

If a payment success response is received from the PG server (S2115), the CP server provides a payment success message and contents to the service terminal (S2116). Of course, as shown in FIG. 21, a payment success message and contents may be additionally provided to the mobile device (S2117).

Finally, as another embodiment of the present invention, a solution for further enhancing security will be described with reference to FIG. That is, the first device (service terminal) for selecting the specific content to be purchased and the second device (mobile terminal) for which the settlement process is performed are designed to judge at least one time the regional relationship diagram. Therefore, it is possible to additionally prevent the QR code from being arbitrarily hacked.

FIG. 22 is a flow chart for enhancing security by allowing a QR code settlement according to a position restriction of a second device according to another embodiment of the present invention.

As shown in FIG. 22, a Smart TV (an example of a service terminal) displays a QR code according to one of the embodiments of the present invention described above (S2201). The displayed QR code is photographed using a camera of the mobile device and is designed to be recognized (S2202).

Further, the URL is linked to the URL recorded in the QR code (S2203). For example, it corresponds to CP or PG server. In addition, the smart TV transmits the IP address to the CP or the PG server (S2204), and receives the IP address from the mobile device (S2205). To determine the location of each device using the IP address information.

The CP or PG server primarily compares the IP address of the smart TV with the IP address of the mobile device to determine whether the two devices are located in the same area (S2206). As a result of the determination, if it is determined to be located within the same area, payment approval is made (S2209).

On the other hand, if it is determined in step S2206 that the current location is not the same area, additional GPS information is collected from the mobile device (S2207). This is to reduce the possibility of error in the area judgment result by using dynamic IP address instead of fixed IP address.

The CP or PG server secondarily compares the IP address of the smart TV with the GPS information of the mobile device to determine whether the two devices are located in the same area (S2208). As a result of the determination, if it is determined to be located within the same area, payment approval is made (S2209). On the other hand, if it is determined that it is not the same area as the result of the determination, payment is not allowed (S2210).

The features of the present invention will be summarized below with reference to the above description and drawings.

According to an embodiment of the present invention, a control method of a system including a mobile device, a service terminal, a first server, and a second server that executes a payment process using a two-dimensional bar code is as follows.

The service terminal is designed to display information on a specific commodity and transmit a settlement request signal for the specific commodity from the service terminal to the second server via the first server.

Dimensional barcode that is mapped with at least one URL information by the first server or the second server, transmits the generated two-dimensional barcode to the service terminal, and the service terminal generates the two- Dimensional bar code.

When the mobile device recognizes the displayed two-dimensional bar code, the mobile device displays a standard settlement window for settlement of the specific merchandise based on the mapped URL information.

Wherein the step of transmitting to the second server comprises the steps of receiving a mobile number identifying the mobile device together with a payment request signal for the specific merchandise and transmitting the received mobile number to a memory of the first server or the second server Further comprising the steps of:

The standard settlement window is designed, for example, as a graphic image corresponding to a personalized standard settlement window including ID information stored in the memory.

The first server corresponds to a content provider (CP) server, and the second server corresponds to a payment gateway (PG) server. The service terminal corresponds to any one of a smart TV, a kiosk (KIOSK), and a tablet PC.

A content provider (CP) server capable of data communication with a service terminal and a payment gateway (PG) server according to an embodiment of the present invention includes a first receiving module, a first transmitting module, a second receiving module, And a transmission module.

The first receiving module receives a payment request signal for a specific product from the service terminal, and the first transmission module transmits the received request signal to the payment gateway server.

Further, the second receiving module receives a unique key value from the PG server, and the unique key value is used to match the settlement request user with the settlement request item. The generation module generates a graphic image mapped with the unique key value or at least one URL information. The second transmission module transmits the generated graphic image to the service terminal.

The CP server may further include a memory for storing the received ID information when receiving the ID information for identifying the mobile device together with the payment request signal for the specific product by the first receiving module have.

For example, the generation module generates a graphic image that is additionally mapped with the ID information stored in the memory, and the graphic image corresponds to a matrix type two-dimensional barcode that displays information in a plaid pattern, for example .

The at least one URL information corresponds to at least one of URL information accessible to the CP server for settlement of the specific commodity or URL information accessible to the PG server for settlement of the specific commodity.

A payment gateway (PG) server capable of data communication with a content provider (CP) server and a mobile device according to an embodiment of the present invention receives a payment request signal for a specific product from the CP server, And generates a graphic image mapped with at least one URL information.

In addition, the PG server transmits the generated graphic image to the CP server, and when the mobile device is accessed using the URL information mapped with the graphic image, Information to the mobile device.

For example, the unique key value is used to match a payment request user with a payment request item.

Further, the PG server is designed to store the received ID information in a memory when receiving the ID information identifying the mobile device together with the payment request signal for the specific product.

The generating step generates a graphic image further mapped with the ID information stored in the memory, and the predetermined additional information corresponds to a personalized standard settlement window including ID information stored in the memory, for example.

The present invention described above can be embodied as computer-readable codes on a medium on which a program is recorded. The computer readable medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of the computer readable medium include a hard disk drive (HDD), a solid state disk (SSD), a silicon disk drive (SDD), a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, , And may also be implemented in the form of a carrier wave (e.g., transmission over the Internet). Also, the computer may include a control unit 180 of the terminal. Accordingly, the above description should not be construed in a limiting sense in all respects and should be considered illustrative. The scope of the present invention should be determined by rational interpretation of the appended claims, and all changes within the scope of equivalents of the present invention are included in the scope of the present invention.

610: Mobile device
620: Service terminal
630: CP server
640: PG server

Claims (15)

delete delete delete delete delete delete delete delete delete delete A control method of a payment gateway (PG) server capable of data communication with a smart TV and a mobile device,
Receiving a settlement request signal for a specific commodity from a CP server;
Generating a graphical image mapped with a unique key value or at least one URL information;
Transmitting the generated graphic image to the smart TV;
Transmitting predetermined additional information necessary for payment of the specific product to the mobile device when the mobile device is accessed using the URL information mapped with the graphic image;
Receiving an IP address from the smart TV and the mobile device;
Determining whether the smart TV and the mobile device are located in the same area;
Determining whether the smart TV and the mobile device are located in the same area based on the GPS information received from the mobile device when it is determined that the mobile terminal is not in the same area as the first determination result;
Controlling the payment of the specific commodity to be approved when it is determined that the same region is determined according to the primary judgment and the secondary judgment result; And
If it is determined that the region is not the same region according to the result of the primary judgment and the secondary judgment,
To the PG server. 12. The method of claim 11,
Wherein the unique key value is used to match a payment request user with a payment request product. 12. The method of claim 11,
Storing the received ID information in a memory when receiving ID information identifying a mobile device together with a payment request signal for the specific goods;
The PG server further comprising: 14. The method of claim 13,
Wherein the generating comprises:
And generating a graphic image further mapped with the ID information stored in the memory. 15. The method of claim 14,
The predetermined additional information may include,
And a graphic image corresponding to a personalized standard settlement window including ID information stored in the memory.

Images