KR101974464B1 - Easy Payment System And Method Using QR Code - Google Patents

Abstract

Disclosed are an easy payment system and method of a push-message mode using a QR code. The easy payment system of a push-message mode using a QR code includes: a consumer terminal having a consumer application provided by an easy payment service business operator; an affiliate member terminal having an affiliate member application provided by the easy payment service business operator; a payment terminal connected to the affiliate member terminal in a wired or wireless manner and positioned to be adjacent to the affiliate member terminal; an easy payment server connected to the affiliate member terminal and the consumer terminal and receiving an easy payment request including Identification information on the QR code from the affiliate member terminal, wherein the easy payment server also transmits a push message about the easy payment request including the identification information on the QR code to the consumer terminal; and a QR code management server issuing the QR code of the affiliate member from the affiliate member terminal and managing the issued QR code. Therefore, provided are a system and method for providing an easy payment in a mode of allowing a consumer to approve the same by using a push message even if the consumer does not photograph and recognize a QR code, which can issue an electronic receipt through a mobile communication device when the payment is completed.

Description

Technical Field [0001] The present invention relates to an easy payment system and method using a QR code,

The present embodiment relates to a simple payment system and method for allowing a consumer to confirm whether or not to make a payment using a QR code (Quick Response Code).

The contents described below merely provide background information related to the present embodiment and do not constitute the prior art.

Conventionally, in a payment method using a QR code, when a consumer drives an app installed in a terminal such as a smart phone, recognizes the QR code of the seller as a photo shoot, and inputs a settlement amount, And the server of the simple settlement provider requests the financial institution server to transfer the amount of the settlement request from the account of the consumer to the account of the provider. When the account transfer is completed at the financial institution server, the simplified payment provider server transmits the account transfer to the seller so that the account can be confirmed.

However, as described above, when the consumer takes the QR code of the seller and inputs the amount of money, there is a problem that he / she has to input the process amount of the QR code and the payment amount every time when the payment is needed. It may become a factor that makes it difficult to use for an unfamiliar consumer, and a method for solving such a problem is required.

The present embodiment provides a system and method for providing a simple settlement of a method approved by a consumer using a push message even if the consumer does not photograph and recognize the QR code and can issue an electronic receipt through the mobile communication device when payment is completed And the like.

According to an aspect of the present invention, there is provided a simple payment system of a push message method using a QR code, the system comprising: a consumer terminal equipped with a consumer app provided by a simple settlement service provider; A merchant terminal equipped with an affiliate store app provided by a simple settlement service provider; A settlement terminal located close to the merchant terminal and connected to the merchant terminal by wire or wireless; A simple settlement unit connected to the merchant terminal and the consumer terminal to receive a simple settlement request including the QR code identification information from the merchant terminal and to transmit a simple settlement request push message including the QR code identification information to the consumer terminal, server; And a QR code management server for issuing and managing a QR code of the merchant from the merchant terminal, and a QR code management server using the QR code.

According to another aspect of the present invention, there is provided a simple payment method of a push message method using a QR code,

The merchant terminal transmits merchant identification information and merchant information of a merchant to the QR code management server and receives QR code information from the QR code management server; A step in which the merchant terminal recognizes a consumer terminal in the store; The merchant terminal transmits merchant store identification information to the consumer terminal, the consumer terminal transmits the merchant store identification information and consumer identification information to the simple settlement server, and the simple settlement server transmits the consumer identification information to the merchant terminal Process; Transmitting the settlement request including the QR code identification information to the simple payment server by the merchant terminal; The simple payment server transmitting a simple settlement request push message including the QR code identification information to the consumer terminal; Transmitting the approval result of the push message to the consumer terminal; The simple payment server retrieving and extracting the QR code information corresponding to the QR code identification information; And a simple settlement server transmitting the simple settlement request message including the QR code information to the QR code management server and receiving a result of the simple settlement request message. .

As described above, according to the present embodiment, if payment is made in such a manner that an account is transferred from an account of a consumer to an account of a provider, a fee for payment may not be generated. It is possible to eliminate the hassle of recognizing and photographing, and the operator can omit such a procedure, thereby making it possible to promptly settle the settlement, thereby providing convenience to both the business operator and the consumer.

According to the present embodiment, since the procedure of delivering information for settlement to a business person through a mobile communication device is omitted, information for payment is automatically collected and payment is made only by a simple check in a mobile communication device, And all members can use the same franchisee by each simple payment service provider, so that the same method can be applied in the simple payment system, thus ensuring general versatility, and a simple payment service provider or merchant Even if you do not make much effort, you can naturally gain membership.

 According to this embodiment, when the consumer installing the simple payment application accesses the payment terminal of the simple payment module and the provider of the smartphone with the merchant's smartphone, the payment terminal specifies the consumer and the consumer makes payment by simple payment after purchase If the consumer indicates that he or she intends to do so, the consumer creates a payment window by pushing the consumer to the consumer even if there is no separate application, and the consumer makes payment by one-touch through authentication means such as fingerprint or password, It is possible to automatically receive and confirm the electronic receipt including the item information and the sales tax information.

FIGS. 1A and 1B are block diagrams schematically showing a push message system simple settlement system using a QR code according to the present embodiment.
FIGs. 2A and 2B are flowcharts illustrating a settlement process of the simple payment system using the push message using the QR code according to the present embodiment.
FIG. 3 is a flowchart schematically illustrating a process of registering a merchant and a consumer in the simple payment system according to the present embodiment.
FIG. 4 is a block diagram schematically illustrating a process of specifying a consumer terminal to perform payment according to the present embodiment.
FIG. 5 is a flowchart schematically illustrating a process of performing a simple settlement according to the present embodiment.
FIG. 6 is a flowchart schematically illustrating an overall process of the simple settlement according to the present embodiment.

Hereinafter, the present embodiment will be described in detail with reference to the accompanying drawings.

FIGS. 1A and 1B are block diagrams schematically showing a push message system simple settlement system using a QR code according to the present embodiment.

In the conventional simple payment method, a consumer drives an application on a terminal, captures and recognizes a QR code of a provider, inputs a payment amount, and transmits the payment amount to a financial institution server. When a financial institution server transfers a payment amount from a consumer account to a seller account And provides the result to the seller's terminal. On the other hand, the technical idea of the present invention is to allow a consumer to settle a payment request requested by a seller by way of a password or fingerprint recognition without a process of a consumer recognizing the QR code and inputting a payment amount, The convenience of the various types of operators can be secured without having to build any system, and it is also advantageous in that the user can secure the stability by allowing the user to directly approve payment.

A simple payment system using a push message method using a QR code includes an affiliate terminal 100 including a simple payment merchant application, a payment terminal 110 such as a POS (point of sale system), and a simple payment consumer application A simple settlement server 300, a QR code management server 310, a financial institution server 400, an electronic receipt server 500, and a network 600. However, the simple payment system may further include various types of components, wherein the network 600 includes at least one of a wired / wireless network, a short-range wireless communication, and a broadband wireless communication, May be configured in a mutually different manner.

The merchant terminal 100 and the consumer terminal 200 may be a smart phone, a tablet, a laptop, a personal computer (PC), a personal digital assistant (PDA) A console, a portable multimedia player (PMP), a wireless communication terminal, a media player, and the like.

The franchisee terminal 100 and the consumer terminal 200 are connected to each other by a communication device such as (i) a communication modem for performing communication with various devices or wired / wireless networks, (ii) a memory for storing various programs and data, (iii) And a microprocessor for calculating and controlling the execution of the program. According to at least one embodiment, the memory may be a computer such as a random access memory (RAM), a read only memory (ROM), a flash memory, an optical disk, a magnetic disk, or a solid state disk Readable recording / storage medium. According to at least one embodiment, a microprocessor can be programmed to selectively perform one or more of the operations and functions described in the specification. In accordance with at least one embodiment, the microprocessor may be implemented in hardware, such as an Application Specific Integrated Circuit (ASIC), in wholly or partially of a particular configuration.

According to the technical idea of the present invention, in order to prevent a commission charged by a business operator from being generated when a business operator provides goods or services and pay for the payment, an account such as a credit card or a check card, It is based on the transfer method.

According to the technical idea of the present invention, the franchisee terminal 100 and the payment terminal 110 can be realized as separate devices, but it is possible to perform a wired / wireless network, perform a payment function, and include a short- It is also possible to implement it as an integrated terminal if possible.

The payment terminal 110 such as the merchant terminal 100 and the POS and the consumer terminal 200 refer to an electronic device that performs data communication via a network and includes a memory for storing a program or a protocol for communication, And a microprocessor for computing and controlling the microprocessor.

The merchant terminal 100 can be operated using various hardware provided in the merchant terminal 100 by loading an application (hereinafter referred to as "application") driven by a user's operation or command, The present invention is not limited thereto, and it is possible to implement and operate it as a separate apparatus.

The merchant terminal 100 includes at least one local communication device of Wi-Fi, BLE, beacon, NFC, and at least one of 2G, 3G, LTE, and 5G.

The merchant application included in the merchant terminal 100 is connected to the consumer terminal 200 through a Bluetooth communication device such as Bluetooth, Bluetooth low energy (BLE), NFC, or Wi-Fi. Measures the distance between the terminal 200 and the merchant terminal 100 using the signal strength information of the radio wave and transmits the measured distance to the payment terminal 110. The merchant terminal 100 and the payment terminal 110 may be positioned in close proximity to each other, or may be located at the same position, or may be implemented as an integrated terminal.

When the consumer visits the store, the merchant app recognizes the consumer terminal 200 in the store, automatically generates the identification information of the consumer terminal 200, and transmits the merchant identification information to the consumer terminal 200.

The merchant app transmits the identification information of the automatically generated consumer terminal 200 and the distance value between the merchant terminal 100 and the consumer terminal 200 to the payment terminal 110.

The franchisee terminal 100 can measure the distance between the franchisee terminal 100 and the consumer terminal 200 at predetermined time intervals and display the result on the screen of the payment terminal 110. In addition, The user terminal 200 closest to the terminal 110 can be specified. In other words, the merchant terminal 100 may determine that the consumer terminal 200 closest to the payment terminal 110 is the consumer terminal 200 to be settled.

The merchant application or the payment terminal 110 included in the merchant terminal 100 transmits information on the merchant to the simple payment server 300 and registers it as a merchant member. At this time, the business operator can photograph his own QR code and transmit it to the simple settlement server 300, and the simple settlement server 300 can transmit the settlement to the financial institution server 400. The simple payment server 300 receives the QR code of the merchant member, generates the QR code identification information, and transmits the QR code identification information to the merchant terminal 100 or the payment terminal 110. When the provider requests payment to the consumer, Code identification information can be transmitted as a push message. Upon receiving the payment approval message from the consumer terminal 200, the simple payment server 300 can transmit the QR code information corresponding to the QR code identification information to the QR code management server 310. [

When the merchant terminal 100 or the payment terminal 110 transmits a QR code issuance request, the QR code management server 310 can issue a QR code and transmit the QR code to the requesting merchant terminal 100 or the payment terminal 110 have. When the merchant terminal 100 or the payment terminal 110 receives the QR code, it transmits the QR code to the simple payment server 300 and receives the QR code identification information from the simple payment server. However, the QR code management server 310 and the simple settlement server 300 may be implemented as individual servers, but they may be implemented as an integrated server so that each of the functions can be performed by one server.

The merchant terminal 100 or the payment terminal 110 stores the merchant identification information, the account information, the QR code identification information, and the provider information in the simple payment server 200 so that the simple payment server 200 can transfer money when the payment is made. . The account information includes information on the bank in which the account is opened, an account number, and the merchant identification information may include at least one of payment terminal identification information, a business operator number, and a merchant telephone number.

The payment terminal 110 may be connected to the affiliate terminal 100 through a local area communication device or a wired network such as LAN, USB (Universal Serial Bus), or serial communication, and the merchant terminal 100 may be connected to a store And automatically measures the distance between the consumer terminal 200 and the franchise terminal 100 at predetermined time intervals and transmits the measured distance information to each of the consumer terminals 200. [ Lt; / RTI > The payment terminal 110 receives the payment request and determines that the payment is to be paid to the consumer terminal 200 closest to the merchant terminal 100 and transmits a payment request to the simple payment server 300. At this time, information including payment amount, payment history, coupon provided to the consumer, and discount can be transmitted together. Benefits such as coupons and discounts offered to consumers can be analyzed by analyzing the consumer's consumption pattern and can be targeted marketing that provides different depending on the consumer's taste.

However, the identification information of the consumer terminal 200 automatically generated by the merchant terminal 100 is different from the consumer identification information stored in the consumer terminal 200, and the consumer identification information is used in the simple settlement process. However, 100 may be used before the consumer identification information is acquired or the distance of the consumer terminal 200 may be measured.

The consumer terminal 200 is provided with a consumer app that is driven by a user's operation and command, and the consumer app can operate using the hardware provided in the consumer terminal 200, but is not limited thereto. It is also possible to implement and operate the device.

Consumer apps can become apps for easy payment service providers that offer a variety of easy payment services. The consumer application automatically receives the merchant identification information from the merchant terminal 100 when the consumer of the consumer terminal 200 visits the store where the merchant terminal 100 is installed, Receives the electronic receipts issued by the electronic receipt server 500, and transmits the electronic receipts.

The consumer application and the merchant application can exchange various types of data with the simple payment server 300. The simple payment operating company can provide an API (Application Programming Interface) for easily developing and applying an application to be loaded in the consumer terminal 200 and the merchant terminal 100 linked to the simple payment server 300 have. When the API is called in order to interoperate with the simple payment server 300 in the consumer application and the merchant application, it is possible to perform network connection, data transmission / reception, and data verification within the API, and transmit the result to the consumer application and the merchant application.

When the consumer terminal 200 enters the store, the merchant terminal 100 receives the merchant store identification information from the merchant store terminal 100. The merchant store terminal 100 receives the consumer identification information stored in the consumer terminal 200 or entered by the consumer, To the simple payment server 300. [ The simple payment server 300 may transmit the received consumer identification information to the merchant terminal 100 and the merchant terminal 100 may transmit the same to the payment terminal 110. [

The merchant terminal 100 stores a settlement request message together with settlement information and QR code identification information including information on consumer identification information, settlement amount, settlement item, benefit offered to the consumer from the merchant, To the simple payment server 300. The simple payment server 300 receives the simple payment request message and transmits the simple payment request message to the consumer terminal 200 corresponding to the consumer identification information to be paid. The simple settlement request push message may include a payment amount, payment time, business name, business address information, and QR code identification information.

When the consumer terminal 200 receives the simple settlement request push message for payment, the consumer application is activated and displayed on the screen, allowing the consumer to confirm the settlement contents, and being approved of the settlement from the consumer. When the consumer terminal 200 receives approval from the consumer, the consumer terminal 200 transmits the approval result and transmits a payment request message to the simple payment server 300.

When the consumer terminal 200 transmits the payment request message to the simple payment server 300, the consumer terminal 200 can transmit the consumer identification information, the merchant identification information, and the QR code identification information together. However, when the simple payment server 300 transmits the simple settlement request push message for requesting payment to the consumer terminal 200 while storing the consumer identification information and the merchant identification information, the consumer terminal 200 and the merchant terminal 100 If you keep your motivation, you can make a simple payment without sending information about it.

When the simple payment server 300 receives the payment request message from the consumer terminal 200, the simple payment server 300 searches and extracts the QR code information corresponding to the QR code identification information, and transmits the QR code information to the QR code management server 310 And transmits a settlement request message to the financial institution server 400 by transmitting the account transfer request message. It is determined whether the account transfer of the requested amount of money has been made, the balance information of the consumer account after transfer of the account, And receives it via the QR code manager 310.

The simple settlement server 300 transmits the success or failure of the account transfer to the merchant terminal 100 and transmits it to the settlement terminal 110 through the merchant terminal 100 to display it on the screen of the settlement terminal 110 . The consumer terminal 200 may transmit the settlement request message to the simple settlement server 300 and directly receive the result of the settlement request message but may transmit the balance information providing request message for confirming the account balance thereof to the simple settlement server 300 And can receive the balance information after settlement.

The payment terminal 110 can receive the simple settlement result and issue the electronic receipt when the account transfer is successfully performed. The payment terminal 110 transmits the payment information to the electronic receipt server 500 so that the consumer application included in the consumer terminal 200 can receive the electronic receipt when the consumer uses the simple payment. At this time, the payment information transmitted from the payment terminal 110 to the electronic receipt server 500 includes at least one of a payment amount, a list of purchased goods, price information of each product, and additional tax amount information.

The simple payment server 300 registers the franchise shop as an agent of a simple settlement operating company in which the franchise store operator installs the merchant store application in the franchisee terminal 100 and operates the simple payment server 300. [ The simple payment server 300 manages the business registration number, the address, the mutual name, the account information of the business operator for easy payment, the QR code information and the QR code identification information issued by the QR code management server 310 in the database . Also, the simple payment server 300 receives the account information to be used for the simple settlement from the consumer terminal 200, registers it as a consumer member, and manages the consumer member database do.

The simple settlement operating company that operates the simple settlement server 300 is a simple settlement service provider that provides the simplified settlement service provider with a simple settlement service such as an administrator terminal 300 for managing information of a simple settlement service provider in the simple settlement server 300, 320). However, the administrator terminal 320 may be an independent type terminal or may be provided in the form of software as a part of the simple payment server 300. The manager terminal 320 can inquire, search, change, newly register or delete the information of the merchant that receives the service from the simple settlement service provider at the simple settlement server 300.

A simple payment service provider can be a company that requires various forms of simple settlement. In other words, it includes simple settlement services for providing specialized services within the municipalities operated by local governments, and the use of simple settlement as payment means necessary for the operation of franchisees in the franchise headquarters operating the franchise business. can do. The simple payment service provider can develop a consumer application optimized for the service provided by the simple payment service provider and distribute it to the consumer terminal 200. [

According to the technical idea of the present invention as described above, the consumer terminal 1 (200) provided with the consumer app 1 provided by the simple settlement service provider 1 is not related to the service provided by the simple settlement service provider 2, The settlement can be made using the simple settlement server 300 operated by the simple settlement operating company through the simple settlement provided by the simple settlement service provider 2 if the consumer app 1 is installed. Therefore, even if the merchant terminal 100 and the payment terminal 110 perform only the business related to the simple settlement service provider 2, if the consumer app 1 is installed in the consumer terminal 200, the user can perform the simple settlement through the simple settlement server 300 The merchant has the advantage of making a simple payment through a consumer app installed by a customer of another business without making any effort to spread the simple payment service.

The financial institution server 400 receives the account information of the business operator and the account information of the consumer from the QR code management server 310, transfers the settlement amount to the account of the business operator from the account of the consumer, transfers the result and the balance information to QR And transmits it to the simple settlement server 300 through the code management server 310. If the financial institution server 400 attempts to transfer money to the settlement amount but can not transfer the account due to non-existence of the account, insufficient funds, account suspension, or other reasons, the information can be provided.

The electronic receipt server 500 receives payment history information from the payment terminal 110 and issues an electronic receipt to the consumer terminal 200 that has performed the payment. At this time, the electronic receipt server 500 may include the customer identification information, the merchant identification information and the payment amount, the list of the purchased goods, the price of each product, and the tax amount information from the payment terminal 110. The electronic receipt server 500 may store and store the carrier information of the merchant for issuing the electronic receipt corresponding to the merchant identification information in a database.

FIGs. 2A and 2B are flowcharts illustrating a settlement process of the simple payment system using the push message using the QR code according to the present embodiment.

The merchant terminal 100 or the payment terminal 110 transmits the payment request push message to the consumer terminal 200 through the simple payment server 300. [ At this time, the payment request push message includes payment information (for example, payment amount, payment date, product name, quantity, price) and QR code identification information. Upon receiving the settlement request push message, the consumer terminal 200 transmits a settlement approval message to the simple settlement server 300. The simple payment server 300 searches the QR code corresponding to the QR code identification information transmitted together with the payment approval message from the consumer terminal 200 and transmits the extracted QR code information and payment information to the QR code management server 310 .

The QR code management server 310 transmits a request for the account transfer request from the account of the customer who has requested payment to the financial institution server 400 to the account of the business entity and the financial institution server 400 transmits the transfer result information to the QR code management server 400. [ To the merchant terminal (100) or the payment terminal (110) through the payment server (310) and the simple payment server (300).

FIG. 3 is a flowchart schematically illustrating a process of registering a merchant and a consumer in the simple payment system according to the present embodiment.

The simple payment server 300 according to the present embodiment is managed by a simple settlement service provider, the simple settlement service provider is a service provider that receives a payment by simple settlement using the simple settlement server 300, By providing consumer and merchant apps that are optimized for the services they provide, consumers can make payments through consumer apps provided by a simple payment service provider and receive additional benefits such as coupons or points.

The simple settlement operating company operates the simple settlement server 300 on behalf of the simple settlement service provider and operates the application programming interface (API) for the consumer application and the merchant application so that the simple settlement service provider can easily interoperate with the simple settlement server 300. [ The simple payment service provider can develop in the form of an in-app in a consumer application and an affiliate store application using the above API, and can work in conjunction with the simple payment server 300. In addition, Can be provided.

 The technical idea of the present invention is that a plurality of simple settlement service providers can use the same simple settlement server 300, and even if it is a merchant that provides a service of a specific simple settlement service provider, There is an advantage in that it is possible to perform the simple settlement even in the consumer terminal 200 in which the mobile terminal 200 is installed and provides the compatibility or flexibility of the simple settlement and allows the merchant to settle the settlement even if no other device or software is installed . However, it is natural that a simple settlement service provider can become a simple settlement service provider.

The merchant using the simple settlement service of the specific simple settlement service provider installs the merchant store application provided by the simple settlement service provider in the merchant terminal 100 and registers the merchant in the simple settlement server 300. [ The merchant business operator (seller) must receive the QR code to be used for the simple settlement in the QR code management server 310, and register it in the simple settlement server 300 to receive the QR code identification information. The merchant terminal 100 transmits the merchant information including the QR code information, the merchant business operator registration number, the name, and the address, and the merchant account information for the payment of money, which are issued by the QR code management server 310 to the simple payment server 300 And receives the QR code identification information from the simple payment server 300. [

When the simple settlement server 300 receives the merchant account information, it inquires of the financial institution server 400 whether the account of the merchant is valid or not. The simple settlement account registration request message is transmitted to the financial institution server 400, Inquires whether or not the merchant account information is valid, registers it as a simple settlement account if valid, and transmits the result to the simple settlement server 300.

 The simple settlement server 300 receives the result of the simple settlement account registration from the financial institution server 400 and registers it as a simple settlement account of the merchant in the database of the simple settlement server 300 and transmits the result to the merchant terminal 100). The merchant terminal 100 can transmit the registration information of the simple settlement account so that the simple payment account can be registered on the screen of the payment terminal 110. [

The consumer can install the consumer app provided by the simple settlement service provider in his / her consumer terminal 200 and enjoy the benefit provided by the simple settlement service provider by using the service provided by the simple settlement service provider. When the consumer application is installed, the consumer terminal 200 transmits the consumer identification information, the consumer real name information, and the account information used for the simple settlement to the simple payment server 300. The simple payment server 300 receives the request and inquires whether the account information received by the financial institution server 400 is valid and transmits a message requesting registration of the account information to the simple payment account.

If the account information is valid, the financial institution server 400 registers the received account information as a simple settlement account and transmits the result to the simple settlement server 300. The simple settlement server 300 receives And transmits the result to the consumer terminal 200. The process of registering the simple settlement account at the consumer terminal 200 is the same as the process of registering the simple settlement account at the merchant.

FIG. 4 is a block diagram schematically illustrating that a merchant terminal according to the present embodiment specifies a consumer terminal to perform settlement.

When each terminal of the consumer terminals 1 to 4 200 enters the merchant store, the merchant terminal 100 is connected to the consumer terminal 200 through a short-range communication device including BLE (Bluetooth Low Energy) The distance between the franchise terminal 100 and each consumer terminal 200 can be calculated by measuring the strength.

4, the signal strength between the merchant terminal and the consumer terminal 200 is 10, the distance is 1 m, the signal strength between the consumer terminal 201 and the consumer terminal 201 is 56, the distance is 1.5 m, 72, the distance is 3 m, and the signal strength between the consumer terminal 4 (200) is 129 and the distance is 5.5 m. In this case, the franchisee terminal 100 determines that the consumer terminal 1 200 closest to the customer is in front of the franchise terminal 100 and the payment terminal 110 for settlement, 1 (200) can display a part or all of the consumer identification information. When the business entity selects the consumer identification information displayed on the screen of the payment terminal 110, the merchant terminal 100 transmits a payment request message to the simple payment server 300.

FIG. 5 is a flowchart schematically illustrating a process of performing a simple settlement according to the present embodiment.

The merchant business operator confirms the consumer identification number (for example, the identification number of the mobile communication device) displayed on the screen of the payment terminal 110 and confirms the simple payment intention to the consumer who intends to settle the payment. If the simple payment request message is transmitted to the simple payment server 300 by touching the screen corresponding to the identification number, the simple payment server 300 transmits a simple settlement request push message to the consumer terminal 200 at step S510.

 When the consumer terminal 200 receives the simple settlement request push message, it displays it on the screen (S520), and approves it by the approval method provided in the consumer terminal 200 (S530). At this time, approval of the simple settlement can be made by various methods including fingerprint recognition, facial recognition, and password input.

The simple settlement server 300 transmits the result information to the settlement terminal 110 through the affiliate terminal 100 and the settlement terminal 110 transmits the result information to the consumer terminal 100. [ The electronic receipt server 500 transmits the payment history information to the electronic receipt server 500 in order to issue the electronic receipt to the consumer terminal 200 in operation S540.

FIG. 6 is a flowchart schematically illustrating an overall process of the simple settlement according to the present embodiment.

The merchant terminal 100 transmits a QR code issuance request message to the QR code management server 310 in step S600, and the QR code management server 310 issues and transmits a QR code corresponding to the merchant in step S601. The merchant terminal 100 transmits merchant identification information and merchant information (for example, a merchant registration number, a business address, and a representative) of the merchant to the QR code management server 310. The QR code management server 310 transmits a QR And transmits the code to the merchant terminal 100.

When the consumer terminal 200 enters the smartphone settlement area (BLE Payment Zone) in the store, the merchant terminal 100 automatically generates the identification information of the consumer terminal 200 (S610) and stores the merchant identification information in the consumer terminal 200 (S612).

When the consumer terminal 200 receives the merchant identification information, the consumer terminal 200 analyzes the stored consumer identification information into the simple payment server 300 (S620) and transmits the received consumer identification information to the merchant terminal 100 (Step S622), and the merchant terminal 100 transmits the consumer identification information to the payment terminal 110.

When the franchisee terminal 100 and the payment terminal 110 acquire the consumer identification information and the consumer accesses the franchisee terminal 100 for payment, the franchisee terminal 100 transmits the customer terminal 200 (Which may include a payment amount, a list of goods, a price of each commodity, and a tax amount information) corresponding to the consumer terminal 200 to be settled and a QR code identification information To the simple payment server 300 (S630 and S632).

When the simple payment server 300 receives the settlement request message, it transmits a simple settlement request push message to the consumer terminal 200 (S634). Upon receiving the simple settlement request push message, the consumer terminal 200 activates And receives the approval from the consumer in the form of biometrics or password input including fingerprint recognition, voice recognition, facial recognition, and transmits the approval to the simple payment server 300 (S636). When the simple payment server 300 receives the payment approval message, the QR code information corresponding to the QR code identification information received at this time is searched and extracted from the database.

When the simple settlement server 300 receives the approval result for the simple settlement request from the consumer terminal 200, the simple settlement server 300 inquires the account information of the provider, the account information of the consumer and the QR code information, And the QR code management server 310 transmits the message to the financial institution server 400 (S638). Upon receipt of the simple settlement request message, the financial institution server 400 performs the account transfer for the settlement amount through the authentication process for the consumer account information and the provider account information (S639).

The financial institution server 400 performs the account transfer and transmits the resulting information to the affiliate shop terminal 100 via the QR code management server 310 and the simple payment server 300 in step S640, The settlement terminal 110 transmits an electronic receipt issuance request message to the electronic receipt server 500 when the settlement is successful and the settlement is completed (S650) .

The electronic receipt server 500 issues an electronic receipt to the consumer terminal 200 corresponding to the consumer identification information included in the electronic receipt issuance request message (S660).

Although it is described in Fig. 6 that steps S600 to S660 are sequentially executed, the present invention is not limited thereto. In other words, Fig. 6 is not limited to the time-series order, since it would be applicable to changing or executing the steps described in Fig. 6 or executing one or more steps in parallel.

Also, the simple settlement method according to the embodiment described in FIG. 6 can be implemented by a program and recorded in a computer-readable recording medium. A program for implementing the simple payment method according to the present embodiment is recorded and a computer-readable recording medium includes all kinds of recording devices for storing data that can be read by a computer system.

The foregoing description is merely illustrative of the technical idea of the present embodiment, and various modifications and changes may be made to those skilled in the art without departing from the essential characteristics of the embodiments. Therefore, the present embodiments are to be construed as illustrative rather than restrictive, and the scope of the technical idea of the present embodiment is not limited by these embodiments. The scope of protection of the present embodiment should be construed according to the following claims, and all technical ideas within the scope of equivalents thereof should be construed as being included in the scope of the present invention.

100 Merchant terminal 110 Payment terminal
200 consumer terminal
300 Easy Payment Server 310 QR Code Management Server
320 administrator terminal
400 financial institution server
500 Electronic Receipt Server

Claims (12)

In a simple payment method of a push message method using a QR code,
The merchant terminal transmits merchant identification information and merchant information of a merchant to the QR code management server and receives QR code information from the QR code management server;
A step in which the merchant terminal recognizes a consumer terminal in the store;
The merchant terminal transmits merchant store identification information to the consumer terminal, the consumer terminal transmits the merchant store identification information and consumer identification information to the simple settlement server, and the simple settlement server transmits the consumer identification information to the merchant terminal Process;
Transmitting the settlement request including the QR code identification information to the simple payment server by the merchant terminal;
The simple payment server transmitting a simple settlement request push message including the QR code identification information to the consumer terminal;
Transmitting the approval result of the push message to the consumer terminal;
The simple payment server retrieving and extracting the QR code information corresponding to the QR code identification information; And
Transmitting the simple settlement request message including the QR code information to the QR code management server and receiving a result of the simple settlement request message;
A process in which the payment terminal transmits an electronic receipt issuing request to the electronic receipt server; and
The electronic receipt server issues an electronic receipt to the consumer terminal
The method of claim 1, further comprising the steps of: The method according to claim 1,
The simple payment server transmits a simple settlement request push message including at least one of a settlement amount, a settlement time, a business name, a business address, and a QR code identification information to the consumer terminal,
Wherein the consumer application activates a consumer application installed in the consumer terminal when the consumer terminal receives the push message, and the consumer app approves the simple payment using biometrics or a password input method including fingerprint recognition, voice recognition, and facial recognition from the consumer And transmits the result to the simple settlement server, wherein the simple settlement server transmits the result to the simple settlement server. The method according to claim 1,
And a step of receiving an electronic receipt issuing request from the payment terminal which has received the settlement completion information from the simple settlement server at the electronic receipt server and issuing an electronic receipt to the consumer terminal. A simple message payment method. The method according to claim 1,
When the franchisee terminal recognizes a plurality of consumer terminals in the store, the franchisee terminal connects with each of the consumer terminals located in the store through one of Bluetooth, BLE (Bluetooth Low Energy), and Wi-Fi, The franchisee terminal measures the distance from each consumer terminal connected by the short distance communication based on the intensity of the signal received from each consumer terminal connected by the short distance communication and makes a payment to the consumer terminal located closest to the franchisee terminal And displaying the consumer identification information corresponding to the consumer terminal identified on the screen of the payment terminal by using the QR code. delete The method according to claim 1,
The merchant terminal establishes an affiliate store application, registers merchant information by transmitting business identification information, QR code information, and business account information for easy payment to the simple payment server,
Wherein the simple payment server generates QR code identification information corresponding to the QR code information and transmits the generated QR code identification information to the merchant terminal and stores the provider identification information, the QR code information and the business account information in a database, A simple push message payment method using code. The method according to claim 1,
The consumer terminal installs a consumer application, transmits consumer identification information and consumer account information for simple payment to the simple payment server, performs consumer registration,
Wherein the simple payment server stores the consumer identification information and the consumer account information in a database and inquires the inquiry result. The method according to claim 1,
The simple payment server requests the QR code management server to transfer money from the account of the consumer to the account of the provider and requests at least one of the account transfer success and the balance information of the consumer account and the business account The method comprising the steps of: receiving a QR code from a user; The method according to claim 1,
Wherein the consumer terminal is capable of requesting the simple settlement server for balance information of the consumer account when receiving the result of the simple settlement request from the simple settlement server and displaying the result on the screen. A simple payment method using push message. The method according to claim 1,
Communication between the consumer application installed in the consumer terminal and the merchant store installed in the merchant terminal and the simple settlement server invokes an API (Application Programming Interface) in the consumer application and the merchant store application, And a result of the transmission is transmitted to the user.
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