KR101747935B1 - A smart payment system, a method for providing a payment platform, and a computer-readable storage medium - Google Patents

A smart payment system, a method for providing a payment platform, and a computer-readable storage medium Download PDF

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KR101747935B1
KR101747935B1 KR1020150061367A KR20150061367A KR101747935B1 KR 101747935 B1 KR101747935 B1 KR 101747935B1 KR 1020150061367 A KR1020150061367 A KR 1020150061367A KR 20150061367 A KR20150061367 A KR 20150061367A KR 101747935 B1 KR101747935 B1 KR 101747935B1
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South Korea
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distance
user terminal
payment
agent device
provider server
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KR1020150061367A
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Korean (ko)
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KR20160129969A (en
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강태정
이주형
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(주)한국크레딕라이프
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device

Abstract

The present invention relates to a smart payment system composed of a payment agent device, a service provider server for sharing evaluation information, a pin tech server server, and a user terminal, and a method for providing a settlement platform in such a system and a computer- .

Description

TECHNICAL FIELD [0001] The present invention relates to a smart payment system, a method for providing a payment platform, and a computer-readable storage medium therefor.

The present invention relates to a smart payment system composed of a payment agent device, a service provider server for sharing evaluation information, a pin tech server server, and a user terminal, and a method for providing a settlement platform in such a system and a computer- .

In accordance with the recent development of mobile communication technology and the development of terminal specifications, in addition to a conventional voice communication function and a low capacity data communication function beyond the conventional simple communication apparatus or information providing apparatus, multimedia reproduction and editing, It is evolving into a smart terminal that integrates entertainment functions.

In general, when a consumer purchases a product in an offline store, uses a service, and intends to pay with a financial card such as a credit card, a check card, or a debit card, the physical card itself such as an IC card or an MS card is read by the merchant terminal, In the case of an online store, additional information related to the credit card number (such as the expiration date of the credit card) was entered through the Internet and the user had to undergo the authentication process. The terms related to the subject of the settlement function in the offline store and the online store can be described as follows.

Value-Added Network (VAN) is a provider that provides a settlement platform environment by linking credit card companies and merchants offline, and provides terminals for settlement to offline merchants. When a credit card transaction occurs, a transaction is charged for the transaction .

Payment Gateway (PG) is a provider of payment transaction services. It provides payment transactions such as credit card, real-time transaction based on real-time account transfer, simple payment based on portable terminal, escrow and virtual account, Means an electronic payment system that supports payment when it occurs.

In this environment, the interest in the so-called "Fintech" industry and the market has been increased in order to enable easy settlement of users with high-end user terminals. However, in the existing market, There is a limit to the implementation of PINTECH, O2O (Online to Offline), and simple payment function on the formed payment platform.

Korean Patent Publication No. 10-2014-0026186 (a simple payment method using a user terminal)

An object of the present invention is to provide a smart settlement system composed of a payment agent device, a service provider server for sharing evaluation information, a pin tech server server, and a user terminal, and a simple settlement platform in such a system environment.

As a first aspect of the present invention, a smart settlement system composed of a settlement agent device, a service provider server for sharing evaluation information, a pin tech provider server, and a user terminal is disclosed. Wherein the settlement agent device monitors a distance between the settlement agent device and the user terminal based on the information of the user terminal and includes a service provider server for sharing the evaluation information and a communication part capable of transmitting and receiving data with the FinTech provider server ; A memory for storing identification information of the user terminal for a predetermined validity period; And a data input unit for identifying, from the user terminal, the payment means provided by the PinTech provider server.

Wherein the communication unit in the payment agent device can be a beacon communication method, and the payment means is provided in the second application program by the Pin-tec company server and includes an NFC payment means, a QR code payment means, ≪ / RTI > Such payment agent devices can be implemented in an online or offline workplace.

In the smart payment system, the user terminal activates a first application program provided by the service provider server when the distance between the payment agent device and the user terminal is within a first distance, Activating a second application program provided by the FinTech provider server if the distance between the user terminals belongs to a second distance, wherein the first distance is greater than a second distance, Wherein the second application program provides a function for sharing the evaluation information about the business sites provided with the first application program, and the second application program provides the function for implementing the simple payment.

A second aspect of the present invention also discloses a method for providing a settlement platform in a smart settlement system comprising a settlement agent device, a service provider server for sharing evaluation information, a FinTech provider server, and a user terminal. The method comprises the steps of: (1) monitoring a distance between the payment agent device and the user terminal based on information of the user terminal and a beacon communication method of the payment agent device; (2) if it is determined that the distance is within the first distance, activating a first application program provided by the service provider server in the user terminal, and determining, from the time information determined that the distance is within the first distance, Storing identification information about the user terminal in the payment agent device and the service provider server; (3) if the distance is determined to be within the second distance, activating a second application program provided by the PinTech provider server at the user terminal; And (4) identifying the payment means by the activated second application program, wherein the first distance is greater than the second distance.

As a third aspect of the present invention, a computer-readable storage medium storing a computer program for implementing a method for providing a payment platform in a smart payment system is disclosed. The computer program comprising instructions for monitoring a distance between the payment agent device and the user terminal based on information of the user terminal and a beacon communication method of the payment agent device; Activating a first application program provided by the service provider server at the user terminal if the distance is determined to be within a first distance, Instructions for storing identification information about the user terminal at the agent device and the service provider server; If the distance is determined to be within a second distance, activating at the user terminal a second application program provided by the PinTech carrier server; And instructions for identifying the payment means by the activated second application program.

According to the method for providing a smart settlement system and settlement platform according to the present invention, the following effects can be recognized.

First, it is possible to provide a settlement platform and a system for integrating off-line VAN corporations while enabling easy mobile payment system through on-line PG company.

Second, it is possible to provide a payment platform and a system capable of easy settlement according to an application program and an application associated with a pin tech business, such as a mobile card of a user device, a simple payment function, and the like, for online and offline merchants.

Third, reliable information can be accumulated because service evaluation information felt by consumers about individual business sites and late information of the business sites can be created by the actual visiting customers.

Fourthly, since the above effects are based on the beacon communication method, a service evaluation sharing application program and / or application from a consumer's perspective, an application program and / or application provided by a pin tech provider for easy settlement, Lt; RTI ID = 0.0 > and / or < / RTI >

Those skilled in the art will recognize that the effects of the present invention are not limited to the foregoing description, but may be more widely accepted.

1 is a conceptual diagram of a smart settlement system according to the present invention.
2 is a functional block diagram of a conceptual diagram of the smart settlement system shown in FIG.
Figure 3 illustrates an embodiment associated with the functional configuration of Figure 2;
4 is a functional block diagram of a settlement agent device of the smart settlement system of the present invention.
5 is a flowchart of a method for providing a settlement platform according to the present invention.
Figure 6 illustrates an exemplary embodiment associated with a smart payment system and a payment platform provision method according to the present invention.
Figure 7 illustrates an exemplary implementation of a first application program provided by a service provider server for sharing evaluation information.

Hereinafter, a smart payment system, a method for providing a payment platform, and a computer-readable storage medium according to embodiments of the present invention will be described in detail with reference to the accompanying drawings. The present invention is susceptible to various modifications, changes and variations, as defined by the appended claims.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS In describing embodiments of the present invention, detailed description thereof will be omitted when it can obscure the gist of the present invention due to the description of specific configurations, steps, and features. ≪ / RTI > It is to be understood, however, that such description is not intended to limit the invention to the particular embodiments, but includes modifications, variations, alterations, and equivalents which fall within the spirit and scope of the invention.

It is to be understood that the present invention is intended to cover more than one form unless expressly specified to the contrary by the singular forms herein. For example, even though a smart payment system, a method for providing a payment platform, a payment agent device, a service provider server for sharing evaluation information, a pin tech provider server, a user device, and the like are described in a singular form, .

The terms 'first' or 'second' are used interchangeably herein to distinguish between corresponding elements, since they are not limited to these terms.

Also, in this specification, the term " comprises " means that a corresponding feature, step, attribute, configuration, or component exists, And does not preclude the presence or addition of one or more other features, attributes, configurations, components, and combinations thereof. And the word "exemplary" is used herein to mean "serving as an example, instance, or illustration," and that the "exemplary" aspects are to be understood as preferred or advantageous over other aspects It will not be.

1 is a conceptual diagram of a smart settlement system according to the present invention. The settlement agent device 10 is a device that enables a simple settlement by providing a settlement terminal according to the present invention to a settlement terminal provided by a VAN company, and a functional configuration diagram thereof will be described in detail with reference to FIG. 4 .

On the other hand, the user device 40 is not limited to terms such as O2O, pin-tec, simple settlement, and the like, and is not limited to any other medium such as a credit card, a check card, a debit card, Is not limited to the forms and names of mobile devices, mobile terminals, tablet PCs, smart watches and the like, although they are shown in the form of a smartphone in FIG. 1.

According to the smart settlement system of the present invention, the distance between the payment agent device 10 and the user terminal 40 is monitored by the beacon communication module built in the settlement agent device 10, and within the first distance and the second distance And judges whether or not it belongs.

The application program provided by the service provider server for sharing the evaluation information or the application program provided by the PinTech provider server may be respectively stored in the first distance or the second distance in accordance with the result determined by the payment agent device 10 And can be automatically executed by the user terminal 40.

In this regard, it will be explained with reference to FIG. 2, which shows a functional block diagram of the conceptual diagram of the smart settlement system shown in FIG. The settlement agent device 10 can be provided for each individual business site, which is indicated as a first business entity, a second business entity, ..., an nth business entity in FIG. The settlement agent device 10 is interlocked with the service provider server 20 and the pin tech company server 30 for sharing the evaluation information on the system and this interlocking is performed between the settlement agent device 10 and each of the servers 20 30 may be performed directly or may be linked to each other by a payment management server (not shown) for managing the payment agent device 10 in an integrated manner.

1 and 2, a payment agent device 10 constituting a smart payment system according to the present invention, a service provider server 20 for sharing evaluation information, and a FinTech provider server 30 And can be specifically understood with reference to FIG.

The payment agent device 10 may be understood as a VAN payment terminal and the payment agent device 10 may be an application program or an application provided by the pin tech carrier server 30 such as a mobile wallet eWallet, , A QR code Pay, a card manager application, and the like, and the PINTECH provider server 30 can be integrated with the online, offline, and mobile business sites through a PG server or system.

1, the case where the distance between the settlement agent device 10 and the user terminal 40 falls within the first distance or the second distance will be described.

First, when a distance between the settlement agent device 10 and the user terminal 40 is within a first distance, a first application program capable of sharing evaluation information on an individual business site provided by a service provider server is called a user terminal 40). The first distance can be set on the settlement system according to the area of the business site, for example, the distance corresponding to the coverage area of the entire business site.

The first application program is a program for allowing an individual user to perform an authentication process for an individual user with respect to, for example, a business type, basic information including the name, address, and telephone number of the business, information about the goods and / Refers to a program or an application that provides a service in which an authorized or unauthorized user can view and post evaluation, review, star point information, and the like.

If the distance between the settlement agent device 10 and the user terminal 40 is within the second distance, a second application program providing a function for implementing the simple settlement provided by the PinTech provider server is transmitted to the user terminal 40). The second distance refers to a proximity distance from the payment agent device 10 (i.e., VAN payment device or POS terminal) to a range that is relatively narrower than the first distance, and this may also be configurable on the payment system.

Figure 6 illustrates an exemplary embodiment associated with a smart payment system and a payment platform provision method according to the present invention. If the distance between the settlement agent device 10 and the user equipment 40 is within the range of 3 m to 20 m according to the first distance, that is, the illustrated example, it is determined that the service zone corresponds to the service area, (10) causes the user device (40) to activate the application provided by the service provider server (20) for sharing the evaluation information. Here, 'activation' means that the user can selectively confirm the first application program when the display on the user device 40 is turned on. In this case, a 'TAG STORE' screen is displayed on the user device 40 in FIG. 6, and the sharing of the evaluation information will be described with reference to FIG.

Figure 7 illustrates an exemplary implementation of a first application program provided by a service provider server for sharing evaluation information.

Referring back to FIG. If the distance between the settlement agent device 10 and the user device 40 falls within the range of 3 m according to the first distance, that is, the illustrated example, it is determined that the settlement agent device 10 corresponds to the payment zone, , The user device 40 is caused to activate a second application program which is a simple settlement related application provided by the pin tech company server 30 so that when the display on the user device 40 is turned on, This means that the user can selectively check the application program. In this case, in FIG. 6, it can be seen that mobile cards such as APP card motion KB Kookmin Card, Samsung Card, Shinhan Card, NH Nonghyup Card and the like are interlocked as the previously downloaded and installed applications in the user device 40.

4 is a functional block diagram of a settlement agent device of the smart settlement system of the present invention. The payment agent device 10 includes a communication unit 10, a memory 120, a display unit 130, and a data input unit 140. These components include an exemplary configuration Element, and may additionally or alternatively include other functional configurations other than these components.

The communication unit 110 includes a beacon function module and a data communication module. The beacon function module monitors the distance between the payment agent device and the user terminal based on the information of the user terminal, and the data communication module is a service And transmits and receives data to and from the provider server, the PINTECH server, and the user terminal, respectively. The beacon is used as a periodic signal generator using a low-power Bluetooth (Low Energy) standard, and is known to be suitable for the O2O service using the ISM band 2.4GHz band radio frequency.

On the other hand, the memory 120 stores the identification information of the user terminal for a predetermined validity time. By holding the identification information of the user terminal during the validity time stored in the memory 120, the memory 120 identifies that the owner of the corresponding user terminal has visited the affiliated store And the consumer who actually visited the merchant shop or the business site records the evaluation information of the service, thereby recording the reliable information.

The display unit 130 may output image and moving image information stored in the memory 120 of the settlement agent device 10. [

The data input unit 140 identifies the payment means provided by the Pin Tech provider server from the user terminal, and the payment means may be any one of the group consisting of the NFC payment means, the QR code payment means, and the mobile card, But is not limited to.

5 is a flowchart of a method for providing a settlement platform according to the present invention. First, in step S10, the distance between the payment agent device and the user terminal is monitored based on the location information of the user terminal and the beacon communication method of the payment agent device.

If it is determined in step S20 that the distance between the payment agent device and the user terminal is within the first distance, the first application program provided by the service provider server is activated in the user terminal and the time information determined to be within the first distance The identification information on the user terminal is stored in the payment agent device and the service provider server during the valid period.

If it is determined in step S30 that the distance between the settlement agent device and the user terminal is within the second distance, the second application program provided by the PinTech provider server is activated in the user terminal.

Next, in step S40, payment is made by identifying any one of the group consisting of the NFC payment means, the QR code payment means, and the mobile card, which are the payment means by the activated second application program.

As described above, according to the smart payment system according to the present invention and the method for providing a settlement platform in such a system, a payment platform and a system for integrating off-line VAN corporations can be provided can do. In addition, it is possible to provide a payment platform and a system capable of easy settlement according to an application program and an application associated with a pin tech business, such as a mobile card of a user device, a simple payment function, and the like for an online or offline merchant, And the latter information of the provider can be created by the consumer who actually visited, so that reliable information can be accumulated.

Since the above effects are based on the beacon communication method, it is possible to provide a service evaluation sharing application program and / or an application, a payment for making an application program and / or an application provided by a pin- Systems and platforms.

Steps, processes, logic blocks, means, steps, or combinations thereof, in connection with the embodiments described herein may be implemented as electronic hardware (digital designs designed by coding or the like), software Or a combination thereof). Hardware, and / or software may vary depending on design constraints imposed on the user terminal. In addition, the functions described herein may be implemented by hardware, software, firmware, or a combination thereof. When executed by software, the function may be stored on or transmitted via a computer-readable storage medium as one or more instructions or code. Computer-readable storage media generally refers to any available media that can be accessed by a computer.

Although the description herein has been made in some illustrative aspects, various modifications and variations can be made from the categories defined by the following claims, and the technical scope of the invention is defined in the following claims It should be decided by.

10: Payment agent device
20: Service provider server for sharing evaluation information
30: Pin Tech Business Server
40: User device
110:
120: Memory
130:
140: Data input unit

Claims (8)

A payment agent device, a service provider server for sharing evaluation information, a pin tech provider server, and a user terminal,
The payment agent device,
The distance between the payment agent device and the user terminal is monitored based on the information of the user terminal to determine whether the distance from the user terminal is within a first distance and a second distance, A communication server capable of transmitting and receiving data to and from the user terminal;
A memory for storing identification information of the user terminal for a predetermined valid time; And
And a data input unit for identifying the payment means provided by the PINTECH provider server from the user terminal, wherein the identification information of the user terminal during the valid time from the time information that the user terminal is determined to belong to the first distance, Thereby distinguishing that the user terminal actually visited the business site,
The user terminal comprises:
If the distance between the payment agent device and the user terminal is within the first distance, activating a first application program provided by the service provider server to share evaluation information on a business site in which the payment agent device is provided ,
Activating a second application program for implementing a simple settlement provided by the FinTech provider server if the distance between the settlement agent device and the user terminal is within the second distance,
Wherein the first distance is a distance that covers the entire business and the second distance is less than a first distance from a proximity distance from the payment agent device.
Smart payment system.
delete The method according to claim 1,
Characterized in that the monitoring in the communication unit of the payment agent device is based on a beacon communication method.
Smart payment system.
The method according to claim 1,
Wherein the payment means is any one of a group provided by the second application program by the FinTech provider server and composed of an NFC payment means, a QR code payment means, and a mobile card.
Smart payment system.
The method according to claim 1,
Wherein the payment agent device can be implemented in an online or offline workplace.
Smart payment system.
1. A method for providing a settlement platform in a smart settlement system comprising a settlement agent device, a service provider server for sharing evaluation information, a pin tech provider server, and a user terminal,
Monitoring a distance between the payment agent device and the user terminal based on information of the user terminal and a beacon communication method of the payment agent device;
Determining whether a distance between the payment agent device and the user terminal belongs to a first distance and a second distance;
Activating, in the user terminal, a first application program provided by the service provider server to share evaluation information on a business site in which the payment agent device is provided if the distance is determined to be within the first distance; ;
Storing the identification information of the user terminal in the payment agent device and the service provider server for a predetermined valid time from the time information determined to be within the first distance to distinguish that the user terminal actually visited the business location ;
Activating, at the user terminal, a second application program provided by the FinTech provider server to implement a simple settlement if the distance is determined to be within the second distance; And
Identifying the payment means by the activated second application program
Wherein the first distance is a distance that covers the entire business and the second distance is less than a first distance from a proximity distance from the payment agent device.
A method for providing a payment platform.
delete 16. A computer program product comprising: a computer readable medium having computer executable instructions embodied therein for implementing the method of claim 6;
KR1020150061367A 2015-04-30 2015-04-30 A smart payment system, a method for providing a payment platform, and a computer-readable storage medium KR101747935B1 (en)

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