KR101826444B1 - System for multiple payment processing based on mobile device - Google Patents

Abstract

The present invention relates to a multi-payment system utilizing a mobile terminal which performs payment only with a purchaser terminal, a user terminal, and a payment server not with a POS-based payment method. Therefore, the multi-payment system performs payment through an application installed in a portable terminal of a purchaser and a seller.

Description

 [0001] The present invention relates to a payment system using a mobile terminal,

The present invention relates to a multi-payment system using a mobile terminal, and more particularly, to a payment processing system capable of maintaining security by tokenizing a payment means and easily paying based on a mobile terminal app.

POS (Point of Sales) system refers to a system that records the sales results of goods installed at the cashier's receivables store, such as large discount stores, supermarkets, and convenience stores. That is, a system that processes data on sales of a product at the point of sale by a computer is generally referred to as a "point-of-sale information management system". Recently, it has been used as the same terminology as the counter at large discount stores and has become an indispensable information system in the distribution industry.

When POS is transmitted, the product information read by the cashier's scanner is immediately sent to the computer, and the barcode read by the scanner is transferred to the cashier. This process was accomplished in a short time with the salesperson skipping the process of directly inputting the price, and also solved the accounting problem by mistake while tapping the price promptly.

Therefore, information on the product being sold can be clearly grasped, and it is possible to improve the efficiency of the logistics including prevention of selling out because it is possible to know at a glance which product is sold when and how much.

For example, when a customer pushes a shopping cart or carries a shopping basket, he or she walks through the store and puts the item into a shopping cart or shopping basket and goes to the settlement POS terminal. Then, at the settling POS terminal, the clerk retrieves the goods one by one from the shopping cart or shopping basket and reads the bar code (commodity code) attached to the commodity by using a scanner to perform the registration processing. In particular, since the total amount of purchased goods is calculated to retrieve from the PLU file corresponding to the commodity code according to the commodity code information read out from each barcode, the logistics efficiency can be increased.

However, in the case of a POS-based payment method, there is a problem that a lot of manpower and time are put into the calculation of merchandise because merchants have to take a barcode of each merchandise barcode in order to calculate merchandise imported for purchase by the customers.

In addition, the customer must take the inconvenience of having to wait a lot of time for calculation, and in the process of presenting the payment means (for example, credit card, etc.) to the clerk, the personal information is exposed There is a danger to be.

In general, the POS terminal can be used only when the VAN company that manufactures and supplies hardware and software receives the PSTN, the wireless communication network, and the merchant use approval from the VAN company for manufacturing and supplying hardware and software. In case of failure, You should get support.

To solve such a problem, a franchisee has a plurality of dedicated POS terminals and connects the POS terminals to a plurality of VAN communication networks.

In addition, as described above, the franchisee needs to have a plurality of dedicated POS terminals to prevent an error situation such as a failure, a breakdown, a communication failure, etc., and must join a plurality of VAN communication networks, .

Meanwhile, in recent start-up companies and SMEs, systems are being developed to directly connect sellers and buyers through various apps. However, although the app is being developed in various ways, there is a need to develop a system that can easily and quickly settle the payment by implementing the various methods in one way.

KR 10-1644568 B1 (2016, 07, 26)

The present invention has been made to solve the problems associated with the use of a POS terminal as described above, and it is an object of the present invention to provide a multi-payment system using a mobile terminal that enables payment through an application installed in a mobile terminal of a buyer and a seller .

A multi-payment system using mobile terminals is introduced.
To this end, the present invention provides a multi-payment system using a mobile terminal in which a payment is made using only a purchaser terminal, a user terminal and a payment server, rather than a POS-based payment method, and a token corresponding to a purchaser's payment means A seller terminal provided with a seller app provided with a function capable of scanning; And a payment server that generates the token corresponding to the payment means of the purchaser and generated by the purchaser terminal when the purchaser's app runs, to the purchaser terminal, wherein the token issued to the purchaser terminal The payment information scanned by the seller terminal and including the scanned token and the goods to be paid and the payment amount to be paid out by the scanned token is transmitted to the payment server, and after the payment information is verified, And the payment approval information is transmitted to the seller terminal, wherein the seller terminal is composed of a main seller terminal and a plurality of sub-seller terminals, wherein the main seller terminal registers the first registration of the set seller, Through the payment server And the approval of the plurality of sub-seller terminals is performed by executing the application after the seller app is installed in the plurality of sub-seller terminals and inputting the telephone number of the mutual seller and the seller of the set seller, And the approval of the sub-seller terminal is performed when a password transmitted to the main seller terminal for authorizing the sub-seller terminal is inputted. The main seller terminal is provided with a registration and deletion function Wherein the settlement approval information is transmitted from the settlement server to the seller terminal, and a purchase statement asking whether or not settlement completion is to be transmitted to the buyer terminal is also transmitted. When the confirmation button according to the purchase statement is inputted, Payment is complete between the seller and the buyer And a mobile receipt for a purchaser is transmitted from the seller terminal to the purchaser terminal at the same time that the payment server receives the payment receipt. The payment server further includes a token management unit, Tokens are issued to the buyer terminal, and when a token, which can be paid at a price more than a predetermined amount by the buyer, is issued to the buyer terminal, the buyer terminal sends a token to the buyer terminal A password input field for inducing re-input of a password is generated, and a password different from a password input for issuing a token, which is a payment means, is input, wherein the token management unit in the payment server further comprises: The token is set for the first period Wherein the buyer selects the set first period through the buyer application installed in the buyer terminal, and transmits the selected first period to the payment server. The purchaser selects the buyer's app, Wherein the token management unit in the payment server re-issues a plurality of newly generated tokens to the buyer terminal at the lapse of a second period set in the buyer terminal, And the payment server may be provided with a function of allowing the purchaser to select the second period and transmit the selected second period to the payment server. The payment server may include discount information for each credit card used at the time of purchasing a product operated by the seller, Membership point information and mobile coupon information are stored And analyzes the payment means selected by the buyer when the buyer's application is operated, and transmits the analyzed result to the buyer terminal so that a minimum settlement amount is generated among the settlement amounts generated when purchasing the goods.

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According to the multi-payment system using the mobile terminal of the present invention having the above-described configuration, the following various effects can be realized.

First, by implementing a payment model in the form of sending a one-time token, which is a direct payment method, to the seller, the seller does not need to scan the product code for a large number of buyers, so the manpower and time consumed in the calculation process There is an advantage to be minimized.

Second, the calculation process can be automated by proceeding the payment using the token indicating the payment means suggested by the purchaser, and the payment method of the buyer is not exposed to the seller at the time of the payment process. There is an advantage that can be provided.

Third, since the merchant does not need to configure a plurality of dedicated POS terminals and a plurality of VAN communication networks, there is an advantage that the cost of establishing the card payment system can be reduced.

Fourth, since the mobile communication terminal can be used as a card payment terminal, there is an advantage that the use of the mobile financial card can be further activated.

Fifth, since the electronic receipt can be received directly through the mobile communication terminal, it is advantageous in terms of the user, and there is no need to issue a paper receipt. Therefore, it is possible to reduce the consumption of paper resources, Various effects are realized.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is an overall configuration diagram of a mobile-based payment processing system according to the present invention; FIG.
2 is a configuration diagram in which a plurality of tokens are generated by the token management unit;
FIG. 3 is an application execution diagram for explaining token relocation and token re-issuance.
FIGS. 4 to 8 are flowcharts of a payment process according to an embodiment of the present invention.
9-12 are a payment flow diagram in which another embodiment of the present invention is implemented.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of a multi-payment system using a mobile terminal according to the present invention will be described with reference to the accompanying drawings.

FIG. 1 is an overall configuration diagram of a multi-payment system using a mobile terminal according to the present invention.

As shown in the figure, the present invention mainly includes a buyer terminal 100, a seller terminal 200, and a payment server 300. The settlement related server 400 may further include a card issuer server, a mobile coupon providing server, a gift certificate issuing server, or a game money server.

The buyer terminal 100, the seller terminal 200, the payment server 300 and the settlement related server 400 are connected through a communication network to exchange various information and data. The communication network may be a local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN), the Internet, 2G, 3G, 4G mobile communication network, Wi- A Wibro, a Value Added Network (VAN), and the like. The communication method is not limited to wired and wireless, and any communication method can be used.

The purchaser terminal 100 may be implemented as a smart phone, a tablet computer, or the like, to which a telephone number is assigned, as a portable terminal used by the purchaser for payment for a fee for receiving goods or services from a seller (or a merchant).

The purchaser's terminal 100 of the present invention is installed with a purchaser's app. The buyer's application means a smartphone application that provides a payment service to a buyer using a token corresponding to a payment means such as a credit card, a mobile coupon, a gift certificate, etc. linked to a buyer's financial account at a bank.

In other words, the buyer pre-registers and stores the payment means (credit card, mobile coupon, gift certificate, membership card, electronic money) owned by the buyer in the electronic purse inside the buyer's app.

The token corresponding to the payment means may be a barcode, a Quick Response Code, a Data Matrix, a maxicode (or a bar code), or a token corresponding to a credit card or a gift certificate or a mobile coupon linked to a buyer's financial account Maxi Code).

The buyer can execute the buyer app when he / she wants to receive the goods or service provided by the seller, and can select any one of the payment means including the credit card, the mobile coupon, and the gift certificate, Is issued from the payment server 300 to the purchaser terminal 100 and then generated from the purchaser terminal 100 (see FIGS. 2 and 3)

The seller terminal 200 can be implemented as a smart phone, a tablet computer or the like to which a telephone number is assigned as a portable terminal used by a seller to receive a payment for a product or service provided to a purchaser, Can also be used.

The seller terminal 200 is installed with the seller app. The seller app has a function of scanning the token which is the payment means generated in the buyer terminal 100 and has a function of scanning the buyer's token and transmitting the payment information to the payment server 300 It means application for smartphone.

At this time, the seller terminal 200 in which the seller app is installed may be composed of the main seller terminal 210 and a plurality of sub-seller terminals 220, The seller terminal 200 is provided with an approval deletion function of the plurality of the sub-seller terminals 220. In this case,

That is, the first business owner (seller) registers after the seller application execution and the seller member registration process is implemented in cooperation with the payment server 300 through identification of the seller terminal 200 and the like. The terminal of the first owner (seller) is implemented in the main seller terminal 210.

In addition, in order to proceed with the seller application registration using the terminal of the employee employed by the employer, it is necessary to approve the merchant application after downloading the seller app, the seller name, the business partner phone number, the approval through the main seller terminal 210 ) You can register after the consent process. And the terminals of the subscribers are implemented in the sub-seller terminal 220.

The main seller terminal 210 of the business owner is provided with a function of having authority to register and delete employees through the seller app.

As a result, customers can easily make payment from the table to the employees' terminals without having to line up the POS terminal, making payment more convenient and quick.

Meanwhile, the payment server 300, which is a component of the present invention, generates a token corresponding to the payment means of the buyer to the buyer terminal 100 when the buyer runs the buyer's app. Of course, this token is stored in the payment server 300 as a token to be issued to the purchaser terminal 100 by interlocking with the settlement server 300 and the payment server 300. [

When a purchaser wants to purchase a commodity at a merchant subscribed to the system implemented in conjunction with the payment server 300 and the settlement related server 400, the purchaser drives the buyer app and selects an arbitrary payment means. (See FIG. 3). For example, when a gift certificate is selected, a payment means token (implemented as a bar code or a QR code) corresponding to the gift certificate is stored in the payment server 300, And issues the token to the terminal 100.

At this time, when the buyer selects a payment means installed in the buyer's app and inputs a password for security, the payment server 300 determines whether or not the input password is matched with the password previously stored in the payment server 300 And when the password is matched, the buyer terminal 100 issues a token corresponding to the payment means selected by the buyer. Of course, it is also possible to perform a procedure for confirming the purchaser by fingerprint recognition, iris recognition, facial recognition, etc. in addition to the password.

Thereafter, the seller starts the seller app and scans the token generated in the buyer terminal 100. Of course, the seller app includes a function to recognize and pay for the barcode or QR code. For this, a separate app can be installed for the seller to implement the scan function.

Next, the token, which is the payment means scanned by the seller terminal 200, and the payment information including the goods to be paid and the payment amount by the scanned token, are transmitted from the seller terminal 200 to the payment server 300 . Of course, the payment information may be transmitted to the payment server 300 at the same time that the token is scanned as the payment means. Alternatively, the payment information may be transmitted to the payment server 300 by the sender .

Meanwhile, the payment information transmitted from the seller terminal 200 to the payment server 300 may include the seller's terminal number, the seller ID, and the like.

The payment server 300 may include a token comparing unit 310. The token comparing unit 310 may store a token to be issued to the purchaser terminal 100 in advance, A comparison is made between the stored token and the token scanned by the purchaser terminal 100 out of the payment information transmitted from the seller terminal 200, and a verification process is performed to determine whether the token is matched. And when it is determined that the token is valid to the seller terminal 200 again according to the verification result, the payment approval information is transmitted.

After the payment approval information is transmitted from the payment server 300 to the seller terminal 200, a purchase statement for asking whether the payment completion is confirmed is transmitted to the buyer terminal 100 again. The billing server 300 may be configured to transmit the purchase statement to the buyer terminal 100 or may be configured to transfer the purchase statement to the buyer terminal 100 from the seller terminal 200. [

The purchase statement may include the name and price of the goods or services the buyer desires to purchase, payment means, and the like. (See FIG. 4). When the buyer confirms the purchase statement and presses the OK button, settlement between the buyer and the seller is completed. When the completion information is transmitted to the seller terminal 200 again, the buyer terminal 100 transmits a mobile receipt . The mobile receipt for the purchaser may be transmitted from the payment server 300 or transmitted to the purchaser terminal 100 from the seller terminal 200. [

Meanwhile, the present invention is characterized in that a token issued from the payment server 300 is generated only for a predetermined time during the operation of the buyer's app installed in the buyer terminal 100 (see FIG. 4)

For example, if a buyer selects a gift voucher as a payment method, the payment barcode (or QR code) corresponding to the gift voucher may be generated for only 2 minutes. If the set time exceeds 2 minutes, Buyer needs to run app. Thus, the token, which is a payment means, is not leaked to the outside and security can be maintained.

FIG. 2 is a diagram illustrating a configuration in which a plurality of tokens are generated by the token management unit 320. FIG.

As shown in FIGS. 1 and 2, the payment server further includes a token management unit 320.

The token management unit 320 forms a plurality of tokens that are differentiated and distinguished according to the amount to be paid by the purchaser, and the plurality of tokens are issued to the purchaser terminal 100. [ Also, a token to be settled at a predetermined amount or more is generated in the buyer terminal 100, and a password entry box is generated to guide the buyer terminal 100 to re-enter the password for settlement when the buyer attempts to make a purchase .

That is, when registering a credit card, which is a payment means implemented in cooperation with the payment server 300 and the settlement related server 400, the buyer transmits a plurality of tokens differentiated and distinguished according to an amount to be paid, Can be issued through the intermediary.

For example, as shown in FIG. 2, in the case of (a) payment of an amount of less than 100,000 won, the first token implemented in the form of a bar code is paid (b) in an amount of 100,000 won to less than 1,000,000 won A third token, which is implemented in a barcode format, may be issued when a second token is implemented in a barcode format and an amount of more than one million won is paid in step (c).

Accordingly, when purchasing a large amount of goods, the buyer can pay attention to the payment, and the tokens to be set according to the amount can be variously set, thereby enhancing security at the time of settlement.

At this time, if the payment is made in a set amount or more, a password entry box is generated to prompt the buyer to re-enter the password. This allows buyers to recognize that they are currently purchasing a large amount of commodities and induce them to settle more reliably and carefully.

When the purchaser selects a credit card as a payment means and inputs a password, the first token, the second token, and the third token, which are a plurality of payment means corresponding to the credit card, are transmitted from the payment server 300 to the purchaser terminal 100 The input windows (a, b, c) of not more than 100,000 won, more than 100,000 won, less than 1,000,000 won and more than one million won are generated (see FIG. 2).

Thereafter, if the buyer wishes to purchase a product worth more than one million won, he or she will select an input window of over one million won. At this time, a field is created to prompt the buyer to input the password again. At this time, the password may be set differently from the password initially input. When the user purchases a large amount of goods, the user inputs the password twice, thereby inducing the buyer to make a careful purchase and paying the settlement more stably.

Meanwhile, the token management unit 320 rearranges the tokens of the plurality of tokens after the set time elapses, and re-issues the tokens to the purchaser terminal 100. In the buyer terminal 100, And a function of selecting the first period and transmitting the selected first period to the payment server 300 is provided.

That is, the order of the first token, the second token, and the third token is changed when the first period is set, thereby further enhancing security. For example, if the set first period is set to one month (which may be set to 30 days or 31 days), the first token for payment of less than 100,000 won and the amount of less than 100,000 won for less than 1 million won The second tokens are transferred to the purchaser terminal 100 and the tokens changed from each other upon payment through the purchaser application are issued from the payment server 300 to the purchasing terminal 100.

To this end, as shown in FIG. 3, the buyer's app installed in the buyer terminal 100 has a function of allowing the purchaser to determine the relocation of the bar code (token). For example, if the buyer sets the batch period in units of one month and presses the corresponding field, the period is transmitted to the settlement server 300, and the settlement server 300 again transmits the settlement period to the buyer terminal 100 every month These plural tokens are rearranged and issued.

In addition, the token management unit 320 may re-issue a plurality of newly generated tokens to the buyer terminal 100 at the lapse of the set second period, And a function of selecting the second period and transmitting the selected second period to the payment server 300 (see FIG. 3).

That is, when the second period set for enhancing security also passes, the payment server 300 automatically issues a plurality of newly generated tokens (barcodes) to the buyer terminal 100 when the buyer intends to purchase the goods . As shown in FIG. 3, the purchaser can determine the set second period through the purchaser's application. When the set second period determined by the purchaser has elapsed, the payment server 300 generates a new And generates a plurality of generated tokens.

Meanwhile, according to the present invention, the buyer operates the buyer's app, and the goods information including the payment means, the amount of goods, the name of the goods, and the quantity of goods selected by the buyer is transmitted to the seller terminal 200 via the payment server 300, The product information is generated at the time of driving.

That is, when a buyer drives a buyer's app, a plurality of goods and services and their respective amounts provided by a seller or a merchant are displayed. If the buyer selects the item, the goods information is transmitted to the seller terminal 200). Even if the seller does not select the goods or the amount selected by the purchaser, the seller receives the above information only by driving the seller app and actually scans only the token which is the payment means when the purchaser purchases the goods, and the settlement process is completed.

Meanwhile, the billing server 300, which is one component of the present invention, stores discount information for each credit card used at the time of purchasing goods at a retailer operated by the seller, membership point information and mobile coupon information corresponding thereto, Analyzing the payment means selected by the user, and transmitting the analyzed result to the buyer terminal 100 so that the minimum payment amount of the payment amount generated when the goods are purchased is generated.

That is, the payment server 300 stores discount information for each of the merchandise sold by the seller or the merchant, the membership point information and the mobile coupon information according to the discount information, and transmits the information to the purchaser terminal 100 in real time do. The buyer can recognize the above information when executing the buyer's app installed in the buyer terminal 100. [

At this time, when the buyer selects an arbitrary credit card as the payment means, the payment server 300 informs the buyer terminal 100 of the payment method by which the minimum payment amount can be generated when purchasing the product.

For example, in the case of a credit card arbitrarily selected by the buyer, payment can be made only by the mobile coupon previously issued to the buyer terminal 100 in cooperation with the settlement server 300 and the settlement related server 400, You will be informed that you can pay by membership points only.

Such information is stored in the payment server 300 and transmitted to the purchaser terminal 100 in real time in an interlocking process between the settlement related server 400 and the settlement server 300 associated with the card company.

In addition, if the purchaser selects an arbitrary credit card payment means, it is preferable that the purchaser's app is installed so that remaining points, usage details, and points available for the card can be confirmed.

Meanwhile, the payment server 300, which is one component of the present invention, stores discount information for each credit card used at the time of purchasing goods at a retailer operated by the seller, membership point information and mobile coupon information corresponding thereto, And transmits the analyzed result to the purchaser terminal 100 so that the minimum payment amount is generated at the retailer before the purchaser selects the payment means at the time of driving.

That is, before the purchaser determines the token as the payment means, the payment server 300 informs the payment means information that the minimum payment amount may be generated at the store selected by the buyer. Based on the information, the purchaser selects a credit card, which is a payment means in which a minimum amount of money is generated, and transmits the token As shown in FIG.

An embodiment in which the present invention is implemented will be described with reference to FIGS. 4 to 8. FIG.

As shown in FIGS. 4 and 7, the buyer and the seller (including the merchant) each install a buyer app and a seller app. The buyer app can be downloaded and installed in an application market such as an Android market, an app store, etc., and a server (a payment server 300 and a payment related server 400) that manages or manages the payment service according to the present invention, It is also possible to download it.

Like the buyer's app, the seller app can be downloaded from the application market or downloaded from the server (the payment server 300 and the payment related server 400) operated or managed by the bank. Of course, the seller according to the present invention does not have to be a credit card merchant, and the bank needs to have his or her financial account.

As shown in FIG. 4, the purchaser executes the purchaser's app in the purchaser's terminal 100, registers the member, and registers the payment means (credit card, membership card, gift certificate, coupon, electronic Money, etc.) are registered and stored.

On the other hand, as shown in FIG. 7, the seller enters the order details desired to be purchased by the buyer in the seller-specific mobile application POS program window opened after executing the seller application in the seller terminal 200, The user can select a scan function for scanning the token as a payment means.

On the other hand, a buyer application can be executed and a token issuing request can be made in advance to the payment server 300 which is operated in cooperation with the settlement related server 400. [ Of course, in order to enhance security and the like, the token issuance request may be made to be valid only in the buyer terminal 100 in which the telephone number is registered together with the identity of the person by facing the bank counter staff. Other methods for security can be applied together.

2, the token management unit 320 of the payment server 300 receives a plurality of tokens (a first token, a second token, and a token) differentiated according to an amount to be paid to the purchaser terminal 100 3 tokens). Also, the purchaser can request the first period set by relocation of the bar code, which can display a plurality of tokens, and the second period set for the re-issuance of the bar code, by executing the buyer's app as shown in FIG.

Accordingly, the payment server 300 issues a plurality of barcodes rearranged at the time of purchase of the goods or services of the purchaser when the first period set in the purchaser's terminal 100 is passed, and when the set second period elapses, Bar code is issued.

5, when the buyer visits the retailer and then makes a settlement payment in exchange for providing a predetermined article or service from the seller, the buyer executes the buyer app and transmits the payment means (credit card, Gift certificates, coupons). In the buyer application, the payment server 300 and the retailer subscribed to the payment related server 400 are registered, and the buyer can select the retailer and input the goods or service to be purchased. Of course, as shown in FIG. 7, the seller may execute the seller app in the seller terminal 200 and input the order details including the payment amount, the payment item, and the buyer's phone number on the screen displayed by the seller app. The telephone number of the purchaser terminal 100 may be directly inputted by the seller orally from the purchaser, but may be transmitted from the purchaser terminal 100 to the seller terminal 200 through a communication method such as Bluetooth or NFC It is possible. In addition, the merchandise information including the payment means, the amount of commodity, the name of the commodity, and the quantity of commodities selected by the purchaser is transmitted to the seller terminal 200 via the payment server 300, May be generated.

As shown in FIG. 5, after the purchaser selects the payment means, a procedure for inputting the password is performed in order to receive the token, which is the payment means, from the payment server 300. Of course, in addition to inputting a password, iris recognition and facial recognition can also be performed.

When the buyer inputs a password for creating a token as a payment means, a disposable gift voucher QR code (or a bar code for credit card payment) is generated as shown in Fig. At this time, when a barcode, which is a payment means by a credit card, is generated, the purchaser, in order to issue a token according to the payment amount, transmits a first token, a second token and a third token, A, b, and c to be issued from the server 300 to the purchaser terminal 100, that is, 100,000 won or less, 100,000 won or less, and 1,000,000 won or more. In the case of selecting any one of a plurality of input windows according to a settlement amount, if the settlement amount is equal to or larger than the set amount, a procedure of re-entering the password may be performed.

On the other hand, when a token based on the purchaser's payment method selection is generated in the buyer terminal 100, the seller scans the token generated in the buyer terminal 100 using the scan function installed in the seller app, as shown in FIG. 7 . The token generated by the purchaser terminal 100 is generated only for the set time for security, and a password input procedure for regeneration is required when the set time passes.

Thereafter, the payment information including the goods to be paid and the payment amount to be paid by the scanned token and the scanned token is transmitted to the payment server 300 by the seller terminal 200, And then transmits the payment approval information corresponding to the payment approval information to the seller terminal 200. The token comparison unit 310 in the payment server compares the token issued to the purchaser terminal 100 with the token transmitted by the seller terminal 200 and determines whether the token is matched with the token transmitted from the seller terminal 200. Then, .

Next, as shown in FIG. 8, when the payment approval information is transmitted from the payment server 300 to the seller terminal 200, whether or not the payment completion confirmation and the mobile receipt for the purchaser according to the confirmation are transmitted to the buyer terminal 100 do. Of course, it is also possible to check whether payment has been confirmed to the buyer terminal 100 via the payment server 300 and to send a mobile receipt for the purchaser according to the confirmation. When the final approval result is transmitted to the seller terminal 200, the settlement process is finally terminated.

Of course, it is also possible to scan the generated token in the buyer terminal 100 in consideration of the security problem and convenience, skip the other procedure, and simplify the payment process by directly transferring the mobile receipt.

According to another embodiment of the present invention, there is provided a merchant terminal in which a seller app is installed and a central server for issuing a seller code for confirming information of a seller to a seller terminal when the seller app is operated, The seller information is transmitted to the seller terminal upon inputting the product information to be purchased through the buyer terminal.

At this time, the seller code is made of a QR code (Quick Response Code), and the QR code (Quick Response Code) is installed in a space where a merchandise or a service can be provided in a store operated by the seller. In addition, a menu order window is created that allows the purchaser to confirm the information of the goods or services sold by the seller when the QR code (Quick Response Code) is scanned by the purchaser terminal and to select the goods or services to be purchased by the buyer, The selected goods or service information is transmitted to the seller terminal.

Another embodiment of the present invention will be described with reference to FIGS. 9 to 12. FIG.

As shown in Fig. 9, the seller first downloads the seller app from the seller terminal, installs the seller app, and then executes the seller app. As shown in FIG. 10, the seller inputs seller information including a seller name, a supplier registration number, a contact number, an account number, a sale menu, and a product price for membership registration and information registration, The seller code (QR code) is issued.

The seller may output the QR code issued as shown in FIG. 10, and then may be attached to a leaflet to be provided for each table provided in the retailer operated by the seller or to promote the retailer. At this time, this QR code contains information about the order target and the method including order table number, whether to reserve a visit, whether or not to take out, and whether to deliver.

As shown in FIG. 11, when a buyer scans a QR code attached to a leaflet to be provided for each table or to promote a retailer, information of the goods or services to be sold can be checked and the buyer can select the goods or services A menu order window is created. That is, if the QR code stored in the table is scanned by the buyer terminal, the buyer can interact with the seller menu page web page where the buyer can place an order, and clicks the product selection and order request on the menu order sheet using the buyer terminal.

Then, as shown in FIG. 12, the order request information of the buyer is transmitted to the seller terminal (conventional POS terminal or other interlocking device is available), and when the goods requested for order are received and payment is made, the order process is completed. At this time, settlement may be performed using the token which is a payment means of various means transmitted from the payment server 300 to the purchaser terminal 100 as described above.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, Of the right.

100: Buyer terminal 200: Seller terminal
210: main seller terminal 220: sub seller terminal
300: Payment server 310: Token comparison unit
320: Token management unit 400:

Claims (16)

A multi-payment system using a mobile terminal in which settlement is made using only a buyer terminal, a user terminal, and a payment server, rather than a POS-based payment method,
A seller terminal provided with a seller terminal provided with a function of scanning a token corresponding to a payment means of a buyer and a buyer terminal installed with a buyer app;
And a payment server for generating the token generated by the purchaser terminal and corresponding to the payment means of the purchaser to the purchaser terminal when the purchaser's app is activated,
The token issued to the purchaser terminal is scanned by the seller terminal when the seller app is driven, and the scanned token and the payment information including the goods to be paid and the payment amount by the scanned token are transmitted to the payment server And transmits the settlement approval information corresponding to the transmitted payment information to the seller terminal after the payment information is verified.
Wherein the seller terminal comprises a main seller terminal and a plurality of sub-seller terminals, wherein the main seller terminal registers the merchant member through the payment server by first registering the set seller and confirming the identity of the set seller,
The approval of the plurality of sub-seller terminals is executed by executing the application after the seller app is installed in the plurality of sub-seller terminals, and inputting the phone number of the mutual seller and the seller of the set seller, And the approval of the sub-seller terminal is entered when a password transmitted to the terminal for authorizing the sub-seller terminal is inputted. The main seller terminal is provided with a function of registering and deleting the sub seller terminal through the seller app , ≪ / RTI >
After the settlement approval information is transmitted from the settlement server to the seller terminal, a purchase statement for inquiring whether or not the settlement completion is confirmed is also transmitted to the buyer terminal. Upon inputting the confirmation button according to the purchase statement, the settlement between the seller and the buyer is completed At the same time, the mobile receipt for the buyer is transmitted from the seller terminal to the buyer terminal,
The payment server further includes a token management unit,
Wherein the token management unit issues a token to the buyer terminal, the tokens being issued to the buyer terminal by a plurality of tokens differentiated according to an amount to be paid by the buyer, A password field for generating a password for re-inputting the password to the purchaser is generated by the buyer terminal so that the purchaser can pay attention to the purchaser so that a password different from the password input for issuing the token as the payment means is inputted .
The token management unit in the payment server,
Wherein the plurality of tokens are rearranged to the purchaser terminal when the purchaser app is operated after rearranging the plurality of tokens after a lapse of the set first period, Is selected by the purchaser and transmitted to the payment server,
The token management unit in the payment server,
Wherein the purchaser selects the second period through the purchaser's application installed in the purchaser terminal and transmits the selected second period to the payment server through the purchaser terminal installed in the purchaser terminal, To the mobile communication terminal,
The payment server stores discount information for each credit card used at the time of purchasing the merchandise of the retailer operated by the seller, membership point information and mobile coupon information corresponding to the discount information, and stores the payment means selected by the buyer And transmits the analyzed result to the purchaser terminal so that a minimum settlement amount of the settlement amount generated when purchasing the product is generated. The method according to claim 1,
The payment server,
When the purchaser selects the payment means installed in the purchaser's app, it is determined whether or not the password is matched with the password stored in the payment server at the time of inputting the password for security, and the token corresponding to the payment means selected by the purchaser is issued Wherein the mobile terminal is a multi-payment system. The method according to claim 1,
Wherein the payment server further comprises a token comparison unit,
Wherein the token comparison unit compares the token issued to the purchaser terminal with the token transmitted by the seller terminal and transmits the payment approval information to the seller terminal,
Wherein the settlement approval information is transmitted to the seller terminal, and whether or not the settlement completion confirmation is confirmed to the buyer terminal and the mobile receipt for the buyer according to the confirmation is transmitted. The method according to claim 1,
The token corresponding to the payment means issued from the payment server to the purchaser terminal may be a credit card or a gift certificate linked to the buyer's financial account or a token corresponding to a mobile coupon or electronic money,
Wherein the token comprises a multi-dimensional code of any one of a barcode, a Quick Response Code, a data matrix, and a Maxi Code. . delete The method according to claim 1,
The merchant application is activated and the payment server scans the token corresponding to the payment means issued to the purchaser terminal and then transmits the payment information including the goods to be paid and the payment amount by the scanned token, Is transmitted to the payment server (100). delete The method according to claim 1,
Wherein the token issued from the payment server to the buyer terminal is generated in the buyer terminal only for a predetermined time. delete delete delete delete The method according to claim 1,
The payment server,
Discount information for each credit card used at the time of purchasing the merchandise of the retailer operated by the seller, membership point information and mobile coupon information corresponding thereto are stored in advance,
And transmits a result of the analysis to the purchaser terminal so that a minimum payment amount is generated at the retailer before the purchaser selects the payment means when the buyer app runs. .

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