KR101964288B1 - Method and system for providing service of integrated payment - Google Patents

Abstract

The present invention relates to providing an integrated payment service for enhancing convenience of a user, and in order to accomplish the above object, there is provided a method of providing an integrated payment service, the method comprising: acquiring merchant information from a customer terminal; acquiring discount coupon information using the acquired merchant information; Transmitting a discount coupon key corresponding to the acquired use request discount coupon information to an integrated payment server connected through a communication network to request issuance of an integrated payment code; Generating an integrated payment code in which a payment key and a discount coupon key are matched, and transmitting the integrated payment code to the customer terminal; and imaging and storing the received integrated payment code in the customer terminal; When the above-mentioned commodity is to be purchased, Reading out the stored image and transmitting the read result of the image and a list of purchased goods to be purchased to the integrated payment server and requesting settlement; and receiving the integrated payment code Calculating a settlement amount by applying a discount rate through a comparison between a discount coupon key matched to the purchased coupon key and the purchased product list, and performing payment based on the payment key and the payment amount matched to the received integrated payment code Provide a method of providing integrated payment service.

Description

[0001] METHOD AND SYSTEM FOR PROVIDING INTEGRATED PAYMENT [0002]

The present invention relates to a method and system for providing an integrated payment service.

In recent years, the number of subscribers to mobile phone networks has greatly increased globally, and mobile communication terminals providing only simple voice communication functions by means of technological progress and functions have evolved into mediums that provide various types of information and services. As a result, the mobile information society is developing, and personal and regional services are becoming increasingly important. These " CA (Context-Aware) "mobile phones are used at low power with suitable short range base stations, such as shopping malls, to provide location-specific information. This information may include local maps, information about shops and restaurants, and so on. This information is often sent free of charge, but it may be that the user is paying for the data services (e.g., updating the sports score, downloading new ringing tone of the mobile phone). The payment for such goods and services may be made by conventional methods such as sending a check or credit card authorization, or by tel-banking or direct debit arrangements, It has been recognized that an automated payment system may be beneficial.

As described above, there is a growing interest in Fin-Tech technology in accordance with the development and dissemination of mobile communication technology. PinTech is a payment system that integrates financial companies and IT companies. It enables payment by mobile device without cash or card.

Meanwhile, with the expansion of the network infrastructure, the spread of the Internet, and the development of mobile communication technology, modern people can access communication services through their portable terminals, for example, mobile devices anytime and anywhere. In addition, interactive services are widely spread based on such communication services. The interactive service means a service type capable of bi-directional data transmission in the conventional unidirectional data transmission. In order to provide such an interactive service, an interactive access point (AP) for transmitting a beacon signal and a terminal for receiving such a beacon signal, The terminal is essential.

Also, in order to provide convenience and useful information to the user of mobile terminal, development of a technology combining the above-mentioned PinTech technology and beacon-based interactive service is proceeding.

Korean Patent Publication No. 2007-0014380 (published on Feb. 1, 2007)

The present invention provides a method of providing an integrated payment service capable of performing settlement based on an integrated settlement code in which a settlement key and a discount coupon key are matched, and a terminal and a server device therefor.

According to another aspect of the present invention, there is provided a method of providing an integrated payment service, including the steps of: acquiring merchant information from a customer terminal; Requesting issuance of an integrated payment code by transmitting the discount coupon key corresponding to the acquired usage request discount coupon information to the integrated payment server connected through a communication network; Generating an integrated payment code in which a payment key and a discount coupon key corresponding to the registered payment means are matched, and transmitting the integrated payment code to the customer terminal; and imaging and storing the received integrated payment code in the customer terminal , When the customer wants to purchase at least one product, Reading the image stored in the base customer terminal and sending a read result of the image and a purchase product list to be purchased to the integrated payment server to request payment; The payment amount is calculated by applying the discount rate through comparison between the discount coupon key matched to the integrated payment code and the purchased product list, and then payment is made based on the payment key and payment amount matched to the received integrated payment code Step < / RTI >

According to an embodiment of the present invention, the customer terminal includes means for receiving a beacon signal broadcasted in a beacon transmitter installed in an affiliated store, the beacon ID being broadcast, and the acquiring of the merchant information includes receiving the beacon signal Extracting a beacon ID through analysis of the beacon signal, transmitting the beacon ID to a merchant management server connected through a communication network, requesting merchant information, and receiving the merchant information in response thereto .

According to an embodiment of the present invention, the step of acquiring the usage request discount coupon information may include transmitting the merchant information to the discount coupon information providing server connected through a communication network, and transmitting at least one discount coupon information Providing an interface for selecting at least one of the received discount coupon information, and acquiring usage coupon information by selecting on the interface.

According to the embodiment of the present invention, the step of requesting the issuance of the integrated payment code requests issuance of the integrated payment code using the member key and the authentication key of the customer, The method comprising the steps of: authenticating the customer based on the member key and the authentication key; selecting one of the plurality of payment means registered by the authenticated customer; Generating the integrated payment code in which the payment key, the discount coupon key, the member key, and the authentication key are matched, and transmitting the integrated payment code to the customer terminal.

According to an embodiment of the present invention, the step of transmitting to the customer terminal includes the steps of: selecting any one of the plurality of membership information registered by the authenticated customer; Generating the integrated payment code corresponding to the payment key, the discount coupon key, the member key, and the authentication key, and transmitting the integrated payment code to the customer terminal, wherein the integrated payment service providing method comprises: To the membership management server to request the accumulation of the accumulated key and the payment amount, and receiving the accumulation result in response thereto.

According to an embodiment of the present invention, the effective settlement time of the integrated settlement code is set, and the step of imageizing and storing the effective settlement time includes the effective time set in the integrated settlement code for indicating whether the integrated settlement code is usable Operating the set timer, and displaying an unusable message in the imaged integrated settlement code as the operation of the timer is terminated.

According to another aspect of the present invention, there is provided a terminal device for providing an integrated payment service, including a microphone, a display, at least one processor, a communication circuit, a storage medium, Wherein the one or more applications are configured to cause a beacon ID in the received beacon signal to be communicated to the communication circuit as a beacon signal having a beacon ID received via the microphone is received, To the merchant management server, and in response to the merchant information, the merchant information is executed in cooperation with the library that receives the merchant information, and after obtaining the discount information of the use request based on the merchant information received through the library, Do the information corresponding to Transmits a coupon key to an integrated payment server connected through a communication circuit to request issuance of an integrated payment code, receives an integrated payment code corresponding to the payment key and discount coupon key corresponding to the payment means from the integrated payment server, And the integrated payment code stored and imaged is transmitted to the integrated payment server together with a purchase product list read and purchased from the merchant terminal when the customer intends to purchase at least one product, A payment amount is calculated by applying a discount rate through a comparison between a discount coupon key matched to the integrated payment code corresponding to the received readout result and the purchased goods list, and then the payment amount matched to the received integrated payment code and the payment amount Based payment system.

According to an embodiment of the present invention, the application requests issuance of an integrated payment code using a member key and an authentication key for authenticating the customer and a payment means selected by the customer, Generating the integrated payment code in which the payment key, the discount coupon key, the member key, and the authentication key corresponding to the payment means selected by the customer are matched, after the authentication of the customer is performed based on the member key and the authentication key, To the customer terminal.

According to an embodiment of the present invention, the application transmits membership information selected by the customer to the integrated payment server to request issuance of the integrated payment code, and the integrated payment server transmits the membership information selected by the customer to the payment means selected by the customer The integrated payment code in which the payment key, the earned key corresponding to the membership information selected by the customer, the discount coupon key, the member key, and the authentication key are matched and transmitted to the customer terminal.

According to an embodiment of the present invention, the effective time of the integrated payment code is set, and the application may operate a timer for which the effective time set in the integrated payment code for indicating whether the imaged integrated payment code is usable is set And may display an unusable message in the imaged integrated billing code as the operation of the timer is terminated.

According to another aspect of the present invention, there is provided an integrated payment server for providing an integrated payment service, including: a discount coupon key corresponding to discount coupon information requested from a customer terminal connected through a communication network; A first function of receiving an issuance request of an integrated settlement code through reception and a second function of generating an integrated settlement code in which a settlement key and a discount coupon key corresponding to a payment means of the customer are matched and transmitting the integrated settlement code to the customer terminal A discount coupon key that is matched to the integrated payment code in the information and a list of purchased goods as a result of receiving information related to the integrated payment code transmitted from the merchant terminal and a list of purchased goods to be purchased by the customer, To calculate the payment amount, and then, And a third function of performing settlement based on the settlement key and the settlement amount.

According to an embodiment of the present invention, the server apparatus receives a member key and an authentication key for authenticating a customer from the customer terminal and information on the payment means selected by the customer, Wherein the second function further comprises a fourth function for performing authentication on the customer based on the settlement key, the discount coupon key, the member key, and the authentication key corresponding to the payment means selected by the customer, The billing code can be generated and transmitted to the customer terminal.

According to an embodiment of the present invention, the server apparatus receives membership information selected by the customer from the customer terminal, and the second function is a payment key corresponding to the payment means selected by the customer, The integrated payment code in which the earned key corresponding to the membership information, the discount coupon key, the member key, and the authentication key are matched can be generated and transmitted to the customer terminal.

According to an embodiment of the present invention, the second function sets an effective time in the integrated settlement code and transmits the settlement time to the customer terminal, and the customer terminal, when receiving the currency settlement code, Operates the set timer, and displays the unusable message in the imaged integrated settlement code as the operation of the timer is terminated.

According to an aspect of the present invention, there is provided a method of providing an integrated payment service capable of performing discount and payment for a product based on an integrated payment code in which a payment key and a discount coupon key are matched, The convenience of the user can be improved.

FIG. 1 is a diagram illustrating an overall configuration of an integrated payment service providing system according to an embodiment of the present invention.
2 is a view illustrating an internal structure of a customer terminal according to an embodiment of the present invention.
FIG. 3 and FIG. 4 are flowcharts illustrating a process of providing an integrated settlement service in the integrated settlement service providing system according to the embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification of the present invention, when a part is referred to as "including " an element, it is understood that it may include other elements as well, without excluding other elements unless specifically stated otherwise.

The terms "about "," substantially ", etc. used to the extent that they are used throughout the present disclosure are used in their numerical value or in close proximity to their numerical values when the manufacturing and material tolerances inherent in the stated meanings are presented, Accurate or absolute numbers are used to prevent unauthorized exploitation by unauthorized intruders of the referenced disclosure. The word " step (or step) "or" step "used in the specification of the present invention does not mean" step for.

In this specification, the term " part " includes a unit realized by hardware, a unit realized by software, and a unit realized by using both. Further, one unit may be implemented using two or more hardware, or two or more units may be implemented by one hardware. In the present description, some of the operations or functions described as being performed by a terminal, a device, or a device may be performed instead in a server connected to the terminal, device, or device. Likewise, some of the operations or functions described as being performed by the server may also be performed in a terminal, device or device connected to the server. Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is an overall configuration diagram of an integrated payment service providing system according to an embodiment of the present invention.

1, the integrated payment service providing system includes a beacon transmitter 100, a customer terminal 110, an affiliate shop terminal 115, a discount coupon information providing server 140, an integrated payment server 150, A server 130, a payment server 160, a membership management server 170, and the like.

The beacon transmitter 100 is a wired or wireless access point (AP) installed in a store and capable of broadcasting a beacon signal within a predetermined radius. The beacon transmitter 100 is a dedicated AP equipped with a speaker or speaker of a PC communicating with the Internet network, The beacon signal corresponding to the sound signal can be broadcasted in such a manner that a sound wave is generated through the speaker of the speaker. Specifically, the beacon transmitter 100 is installed in a store, and can broadcast a sound signal in a high frequency band, that is, a beacon signal within a predetermined radius, with unique identification information (beacon ID) for a position and in a predetermined variation pattern.

Also, the beacon transmitter 100 according to the embodiment of the present invention may broadcast a beacon signal having unique identification information through Bluetooth or Bluetooth LE (Low Energy) communication.

The beacon transmitter 100 as described above may be installed in the merchant store and managed by the merchant store management server 130. [ For this, the merchant management server 130 may be interlocked with the merchant store management database 132 that stores and stores the beacon ID, the merchant information, and the location information.

The customer terminal 110 can receive a beacon signal of a microphone 210, a Bluetooth or a Bluetooth LE (Low Energy) band that can receive a beacon signal corresponding to a sound signal broadcast from the beacon transmitter 100 But also a communication circuit 210 capable of connecting to an external device such as a merchant management server 130, a discount coupon information providing server 140 and an integrated payment server 150 through the communication network 120.

The client terminal 110 may also include a storage medium 220 such as a memory and storage medium 220 that can be stored in an executable form of an application 224 having a library 222 operating on receipt of a beacon signal, And a plurality of processors 205 capable of providing a service purchase and settlement service through the execution of the application 224 stored in the processor 224. Specifically, the customer terminal 110 can execute an application 224 having a library 222 that can extract an ID in a beacon signal according to reception of a beacon signal and send it to the merchant management server 130 to request identification And the application 224 stored in the storage medium 220 may be executed using at least one processor 205 to provide a service such as a purchase of goods and a payment service for the service .

The function of the application 224 including the library 222 as described above will be described below.

First, the library 222 is executed when a beacon signal broadcast from the beacon transmitter 100 is received, that is, when the customer terminal 110 enters the communication range of the beacon transmitter 100, And transmits the ID to the merchant management server 130 and receives the merchant information matched to the beacon ID in response thereto.

Thereafter, the library 222 executes the application 224 based on the merchant information, and the executed application 224 requests and receives discount coupon information available from the merchant to the discount coupon information providing server 140, And displays it on the customer terminal 110 through an interface that can select a selectable interface, i.e., at least one discount coupon. Here, the discount coupon information may be composed of a discount coupon key and a discount coupon description, for example, a discount coupon key 1; "Discount coupon description 1"; Discount coupon key n; Quot; discount coupon description n ".

In the embodiment of the present invention, the discount coupon information providing server 140 is a means for managing discount coupon information for each merchant, and in response to a request from the application 224 in the customer terminal 110, Coupon information can be provided. For this, the discount coupon information providing server 140 may be interlocked with the discount coupon database 142 stored by matching a plurality of discount coupon information with each of the merchant information.

The application 224 may request the integrated payment server 150 to issue an integrated payment code as the customer of the customer terminal 110 selects at least one discount coupon. Specifically, the application 224 stores a membership key corresponding to the subscription information (for example, a member unique ID), an authentication key, and a discount corresponding to the selected discount coupon (hereinafter referred to as a "use request discount coupon" Coupon key, etc. to the integrated payment server 150 to request issuance of the integrated payment code. Here, the authentication key may be unique information such as biometric information, a predetermined encryption key, a UD ID of the customer terminal 110, an IMEI, a MAC address, and the like.

The integrated payment server 150 registers the payment key issued by the settlement server 160 corresponding to each of the plurality of payment means registered by the registered member, the subscription information of the registered member, And may transmit the integrated payment code to the customer terminal 110 after the integrated payment code is generated in cooperation with the member information database 152 in which the accumulated keys issued by the membership management server 170 corresponding to the plurality of earned membership cards are stored . Specifically, the integrated payment server 150 searches the membership information database 152 for a payment key by selecting one of a plurality of payment means available at an affiliated shop where the customer is located, The affiliate store searches for the earned key by selecting the earning membership card having the highest earning rate, and the retrieved earned key, the payment key, the member key, the authentication key, and the discount coupon key for the discount request coupon are matched and valid And transmits the integrated billing code to the customer terminal 110. [0050]

In addition, the integrated payment server 150 may store and manage the accumulation key, the payment key, the member key, the authentication key, and the discount coupon key in the integrated billing code in the member information database 152.

Meanwhile, the integrated payment server 150 transmits the integrated payment code together with the effective time and the merchant information to the customer terminal 110, and the application 224 in the customer terminal 110 converts the integrated payment code into an image form In addition to the display box, the integrated billing code valid time and available merchant information can be displayed together.

In the embodiment of the present invention, the integrated payment code may be stored in the customer terminal 110 as an image such as a barcode, a QR code, etc. readable by the customer terminal 110.

In addition, the application 224 in the customer terminal 110 can operate a timer corresponding to the validity time set in the received integrated settlement code, and inform the user that the validity period of the unified settlement code has elapsed in the form of a pop-up message . Specifically, the application 224 operates a timer for which a validity time set in the integrated settlement code is set as the currency settlement code is received, displays an unusable message in the integrated settlement code imaged as the operation of the timer is terminated, Can be displayed.

The merchant terminal 115 scans a barcode of a product purchased by a customer (hereinafter referred to as a "purchase item"), scans an image of the integrated payment code displayed on the customer terminal 110, (150) and request payment. Specifically, the merchant terminal 115 is a POS terminal installed in an affiliate shop. The merchant terminal 115 is a POS terminal installed in the merchant store, and stores information on the purchased merchandise acquired through the scanning of the barcode attached to the merchandise, that is, the price of the purchased merchandise, The payment request message may be generated based on the information obtained through the scanning of the image, and then may be transmitted to the integrated payment server 150 to request payment. Here, the payment request message may include a purchase product list including the purchase product code and the price of the purchased product, and a result of reading the image for the integrated payment code.

In this case, the integrated payment server 150 searches the member information database 152 for the integrated settlement code for the read result, compares the discount coupon key matched with the retrieved integrated settlement code with the purchased product list, and applies the discount coupon After selecting the purchased product, the payment request amount is calculated by applying the discount rate to the price of the selected purchased product, and the payment server 160 transmits the payment request amount calculated and the payment key matched to the retrieved integrated payment code to the payment server 160 After receiving the request, a corresponding response may be received, such as a payment success or payment failure message. In this case, the settlement server 160 may transmit a settlement failure message including a reason corresponding to the settlement failure to the consolidated settlement server 150.

On the other hand, when a settlement success message is received from the settlement server 160, the integrated settlement server 150 transmits an accumulation key to the membership management server 170 to request accumulation corresponding to the settlement amount, And receives the accumulation result or the accumulation failure message in response thereto.

In addition, the integrated payment server 150 may transmit a message corresponding to the payment result and the accumulation result to the affiliate shop terminal 115 and the customer terminal 110. Accordingly, the application 224 of the customer terminal 110 can display the payment result and the accumulation result.

The operation of the integrated payment service providing system having the above-described configuration will be described with reference to FIGS. 3 to 4. FIG.

3 to 4 are flowcharts illustrating a process of providing an integrated settlement service in the integrated settlement service providing system according to an embodiment of the present invention.

First, as shown in FIG. 3, the beacon transmitter 100 broadcasts a beacon signal within a predetermined radius. Specifically, the beacon transmitter 100 may broadcast a beacon signal having a beacon ID using the Bluetooth LE, or may broadcast a beacon signal corresponding to a high-frequency sound signal using a speaker.

When the customer having the customer terminal 110 approaches within a predetermined radius, the library 222 in the customer terminal 110 extracts the beacon ID in the beacon signal after receiving the beacon signal, and transmits the extracted beacon ID to the merchant management server (130) to request identification.

Accordingly, the library 222 receives the merchant information on the beacon ID from the merchant management server 130, and provides the received merchant information to the application 224 to execute the application 224.

Then, the application 224 transmits the merchant information to the discount coupon information providing server 140, requests discount coupon information available from the merchant, and receives discount coupon information in response thereto, so that the application 224 can select at least one discount coupon Display the interface.

Thereafter, when the customer selects at least one discount coupon, the application 224 transmits the member key, the authentication key, the merchant information, and the discount coupon key for the selected discount coupon to the integrated payment server 150, Request issuance.

Accordingly, the integrated payment server 150 performs user verification based on the member key and the authentication key, that is, performs user verification through whether the member key exists in the member information database 152, Retrieves one of the payment means registered in the member information database 152, searches for one of the membership cards registered in the member information database 152 by the customer, selects a payment key and an accumulation key, Key, discount coupon key, and earned key.

Then, the integrated payment server 150 generates an integrated payment code in which the valid period is set based on the payment key, discount coupon key, and earned key matched to the member key, and transmits the integrated payment code to the application 224 of the customer terminal 110 to provide. At this time, the integrated payment server 150 stores the discount coupon selection list selected by the customer in the integrated payment code.

On the other hand, the application 224 of the customer terminal 110 generates and displays an integrated payment code image corresponding to the received integrated payment code.

Then, when the customer selects a plurality of products and requests payment using the integrated payment code, the merchant terminal 115 scans a plurality of products selected by the customer and displays the list of purchased products, that is, After the product list is generated, the integrated payment code obtained through the scanning of the purchased product list and the integrated payment code image is transmitted to the integrated payment server 150 to request settlement.

Accordingly, the integrated payment server 150 may compare the discount coupon selection list matched with the integrated payment code and the purchased product list to select a product to which the discount coupon will be applied from the purchased product list, And transmits the calculated payment amount and the payment key matched to the integrated payment code to the settlement server 160 to request payment, and receives the settlement processing result in response thereto.

In addition, the integrated payment server 150 transmits the earned key matched to the payment amount and the integrated payment code to the membership management server 170, requests the earning, and receives the earned result.

Then, the integrated payment server 150 transmits the payment processing result and the accumulation result to the affiliate shop terminal 115 and the customer terminal 110. Accordingly, the application 224 of the customer terminal 110 displays the payment processing result and the accumulation result, and the customer receives the receipt printed by the merchant terminal 115, i.e., the payment processing result and the accumulation result, And collects the purchased product.

In the embodiment of the present invention as described above, the discount coupon information is provided on the basis of the merchant point and then the integrated payment code is generated based on the discount coupon information. However, after providing the discount coupon information on the basis of the purchase product and the merchant point, And generate a corresponding integrated payment code.

In this case, the application 224 of the customer terminal 110 may be interlocked with the product recognition library 226 that can recognize the information about the product that the customer intends to purchase. The product recognition library 226 operates the camera 230 using the access right to the camera 230 in the customer terminal 110 and displays the product image or the product May provide the barcode image of the application 224 to the user. Accordingly, the application 224 can be executed based on the barcode image or the product image of the goods and the merchant information, and can receive and receive the discount coupon information available from the merchant for the merchandise to the discount coupon information providing server 140. In this case, the discount coupon information providing server 140 obtains discount coupon information using the information of the goods obtained after the customer obtains the information of the goods to be purchased through the analysis of the barcode image or the product image of the goods And provides the discount coupon information to the customer terminal 110 if it exists.

Meanwhile, the product recognition library 226 activates the NFC module 240 using the access right to the NFC (Near Field Communication) module 240 in the customer terminal 110, and communicates with the IoT sensor And may provide the acquired information to the application 224. For example, In this case, the application 224 can receive the discount coupon information for the product by transmitting the information obtained through the product recognition library 226 and the merchant information to the discount coupon information providing server 140. [

As the discount coupon is selected by the customer, the application 224 registers the member key, the authentication key, and the discount coupon key corresponding to the selected discount coupon corresponding to the subscription information (e.g., the member unique ID) To the server 150 so as to request issuance of the integrated settlement code. In this case, the integrated payment server 150 may generate an integrated payment code for one product the customer wishes to purchase, and then provide the integrated payment code to the customer terminal 110.

Accordingly, the customer requests payment using the integrated payment code displayed on the customer terminal 110, and the merchant terminal 115 transmits information acquired through the scanning of the goods and the integrated payment code to the integrated payment server (150) and request payment. In response to this, the integrated payment server 150 calculates the payment amount by applying a discount rate to the price of the product using the discount coupon key in the integrated payment code and transmits the calculated payment amount and the payment key in the integrated payment code To the settlement server 160 and request a settlement and receive a response thereto.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

100: Beacon transmitter
110: Customer terminal
115: Merchant terminal
120: Network
130: Merchant Management Server
140: Discount coupon information server
150: Integrated payment server
160: Payment server
170: Membership Management Server

Claims (14)

A customer terminal having a microphone capable of receiving a beacon signal having a beacon ID that is unique identification information for a position broadcast in a beacon transmitter installed at an affiliated store and having a predetermined variation pattern, Extracting a beacon ID by analyzing the beacon signal using the library after executing the library upon receiving the beacon signal,
Transmitting the beacon ID from the library executed in the customer terminal to a merchant management server connected through a communication network to request merchant information and receiving and acquiring the merchant information in response thereto;
Acquiring information about a product through execution of a product recognition library in the customer terminal;
Requesting discount coupon information by transmitting merchandise information and merchant information from the discount coupon information providing server in the application in the customer terminal;
Retrieving discount coupon information available from the merchant using the information of the goods at the discount coupon information providing server, and transmitting the discount coupon information to the customer terminal;
Requesting issuance of an integrated payment code by transmitting the discount coupon key, the member key and the authentication key corresponding to the discount coupon information transmitted from the application executed in the customer terminal to an integrated payment server connected through a communication network;
A payment key corresponding to the payment means registered by the verified customer, a payment key corresponding to the registered customer by the verified customer, A discount coupon key, an authentication key, and a membership key corresponding to the membership card, and transmitting the integrated payment code to the customer terminal;
Storing the received integrated payment code in an image of an application of the customer terminal;
A step of reading an image stored in the customer terminal at the merchant terminal when the customer desires to purchase the product and requesting settlement by transmitting the read result of the image and the purchase goods list to be purchased to the integrated payment server; ,
The integrated payment server calculates a payment amount by applying a discount rate through a comparison between the discount coupon key matched to the integrated payment code corresponding to the received readout result and the purchased goods list, And performing payment based on the payment key and the payment amount,
The step of acquiring information on the goods includes:
Acquiring a product image or a barcode image of a product using the camera in the customer terminal or activating an NFC module in the customer terminal to provide an integrated payment service for acquiring information about the product through communication with the IoT sensor attached to the product Way.
delete delete delete The method according to claim 1,
The integrated payment service providing method includes:
Further comprising the step of transmitting an accumulated key and a settlement amount matched to the integrated settlement code to the membership management server after performing the settlement, requesting accumulation and receiving the accumulation result in response thereto.
6. The method according to claim 1 or 5,
The integrated billing code has an effective time set,
Wherein the imaging and storing comprises:
Operating a timer having a validity time set in the integrated payment code for indicating whether or not the image integrated payment code is usable,
And displaying an unusable message in the imaged integrated billing code as the operation of the timer is terminated.
A system for providing an integrated payment service, comprising a terminal device and a server device,
The terminal apparatus comprises:
A microphone, a display, at least one processor, an NFC module, a communication circuit, and a display device, which can receive a beacon signal having a beacon ID, which is unique identification information for a position broadcast at a merchant beacon transmitter, A storage medium, and one or more applications stored on the storage medium and configured to be executed by the one or more processors,
Wherein the one or more applications include:
A beacon ID in the received beacon signal is transmitted to the merchant management server through the communication circuit as the beacon signal having the beacon ID received through the microphone is received and is linked with the library receiving the merchant point information in response thereto Is executed,
A product recognition library that acquires a product image or a barcode image of the product using the camera or activates the NFC module to acquire information on the product through communication with the IoT sensor attached to the product,
Receiving merchandise information received through the library and information on a product obtained through the merchandise recognition library to request the discount coupon information,
Transmits a discount coupon key, a member key, and an authentication key corresponding to the received discount coupon information to a server device connected through a communication circuit to request issuance of an integrated payment code,
Receiving the integrated payment code corresponding to the payment key corresponding to the payment means, the earned key corresponding to the membership card, the discount coupon key, the member key, and the authentication key from the server device,
The server apparatus comprising:
A first function of retrieving discount coupon information available from the merchant using the information of the merchandise as the merchandise information and merchant store information is received from the terminal device and transmitting the discount coupon information to the terminal device,
And a user authentication module for performing a verification for a customer using the member key and the authentication key when a request for issuing a unified settlement code is received from the terminal device connected through a communication network, A system for generating an integrated payment code using a key, an authentication key, a payment key corresponding to the payment means registered by the customer, and an earned key corresponding to the membership card registered by the customer, 2 function,
As the information related to the transmitted integrated payment code and the list of purchase goods to be purchased by the customer are received from the merchant terminal, a discount rate is applied through comparison between the discount coupon key matched to the integrated payment code in the information and the purchased goods list And a third function of calculating a settlement amount and then performing settlement based on the settlement key matched to the received integrated settlement code and the settlement amount. delete delete delete delete delete delete delete

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