KR102007759B1 - System and method for payment service using optically readable code - Google Patents

Abstract

The present invention relates to a payment service system using an optical readable code and a method thereof. In case of a method which scans an optically readable code such as a barcode or a QR code attached to a product through a POS device during payment for a purchased product, the amount of goods and the price of the purchased product are sent to the buyer′s smartphone before payment is made, thereby allowing the buyer to check one more time and to perform a safe payment. Additionally, the present invention relates to the payment service system using the optical readable code and the method thereof, capable of increasing convenience of the buyer by automatically providing a translation service for shopping or the purchased product during a payment time for the goods purchased by the buyer domestically or overseas.

Description

System and method for payment service using optically readable code

The present invention relates to a payment service, and more particularly, in the case of scanning an optically readable code such as a barcode or a QR code attached to a product through a POS machine at the time of payment for a purchased product, The present invention relates to a payment service system and method using an optically readable code that can be securely settled by transmitting an amount of goods and a price for a purchased product so that a purchaser can perform verification once more.

In general, as the market competition intensifies due to market liberalization, and the needs and demands of consumers are increasingly complicated and diversified, the business environment of the industry is rapidly changing, and the change in the business environment requires the company's management to make new strategic decisions.

Factors that must be considered in decision making for such a neuro-marketing strategy include consideration of the likelihood of special market share, the possibility of securing a competitive advantage, the consumer's perspective, cost-efficiency and long-term profit margins. Strategies for maximizing should be created, such as the Quick Response (QR) system.

In this case, the rapid response refers to a neural domain strategy that can optimize and accelerate the flow of goods and information between production and distribution companies in order to maximize consumer satisfaction. This management strategy will involve the establishment of close cooperative frameworks among companies and the introduction of new technologies in production and distribution (eg, EDI (Eletronic Data Interchange) system and Point of Sale system (POS)). It is required as an essential element of development.

On the other hand, customers have to pay after purchasing goods or goods or services. Recently, they pay through cash, credit cards, check cards, and even fintech such as PayPal, Alipay, Samsung Pay, and Kakao Pay. .

In the process of payment of goods, an error in price of goods or goods may occur. In particular, when a large quantity of goods is purchased, the price error may not be known exactly. This is because the error of the person putting the price of the goods or the recognition of the goods in the POS machine may occur, and some large supermarkets may reimburse customers for a certain amount when such an error occurs.

However, if this is confirmed in the field, there is no particular problem, but this should be confirmed by looking at the specification table after payment, and if confirmed, there was an inconvenience of visiting the customer center or repaying.

In addition, if the goods or goods buyers are foreigners can not easily know the error, in such a case, especially when leaving the country had a problem that is difficult to solve particularly. This is also because, for most commodity purchases, the inventory is in the language of the country where the item or commodity is purchased.

Patent Document 1: Republic of Korea Patent Application Publication No. 10-2012-0103924-Payment system using the JR code and its control method Patent Document 2: Republic of Korea Patent Publication No. 10-2014-0099814-Immediate payment system and method using a QR code

Accordingly, the present invention is to solve the above-mentioned disadvantages and problems of the prior art, in the case of a method of scanning an optical readable code such as a barcode or QR code attached to the product through the POS machine at the time of payment for the purchased product A payment service system and method using an optically readable code that can be securely paid by sending an amount of goods and price for a product purchased by the buyer to the buyer's smartphone before the buyer can confirm once more. The purpose is to provide.

In addition, the present invention provides a payment service system and method using an optically readable code that can automatically improve the buyer's convenience by automatically providing a translation service for shopping or purchased products at the time of payment for goods purchased by the buyer at home or abroad There is another purpose to provide.

In order to achieve the above object, the present invention scans the information of the goods purchased by the customer through a barcode scanner, converts the purchased goods to the optical code through the pre-installed optical code conversion software, the list of goods and stores (business) A plurality of POS terminals 200 for converting the payment account information of the goods into payment information and transmitting the payment and translation service server 100 together with the optical code which is the customer ID displayed on the screen of the smart device 300 of the buyer; A plurality of purchaser smart devices 300 to which applications provided from the payment and translation service server 100 are installed to generate an optical code which is the customer ID; A plurality of payment servers 400 which are financial company servers such as domestic banks and card companies or domestic fintech servers and foreign financial company servers; And a purchase article optical code including deposit account information of a store from the plurality of POS terminals 200 and the optical codes are analyzed when the buyer identification optical code is transmitted from the smart device 300, and the buyer's smart device ( 300 to convert the purchased goods information so that you can check and send to the smart device 300 of the buyer, and when the identity is authenticated to the smart device 300 according to a preset payment method (FIN TECH) or card It provides a payment service system using an optical readable code, characterized in that it comprises a; and the payment and translation service server 100 to make a payment through a predetermined payment server (400).

Here, the optical code is characterized in that one of a QR code or a barcode.

In addition, in order to achieve the above object, the present invention comprises the steps of installing the optical code conversion software provided by the payment and translation service server in the POS terminal (S100); Installing an application provided by the payment and translation service server to display an optical code for identifying a smart device customer on a smart device (S110); The POS terminal scanning the price of the item through a scanner for the item to be purchased (S120); Generating, at the POS terminal, an article payment optical code including the scanned article and price and payment information (S130); When the smart device is logged in to the payment and translation service server, the payment and translation service server transmits a customer identification optical code for identifying the customer to the smart device, and the customer identification optical code is displayed on the screen of the smart device. Displayed step (S140); Scanning the customer identification optical code displayed on the smart device in the POS terminal and transmitting the item identification optical code to the payment and translation service server together with the item identification optical code generated for receiving the payment (S150); The payment and translation service server transmits the information necessary for payment of the article to the smart device in the basic language of the smart device included in the article payment optical code (S170); And if the user is authenticated by the payment method set in advance in the smart device (S180) is made through the payment server; provides a payment method of a payment service system using an optical readable code comprising the.

According to the present invention has the following effects.

First, in the case of scanning optically readable codes such as a barcode or QR code attached to the product through a POS device when paying for the purchased product, the amount of goods and prices for the product purchased by the buyer is purchased on the buyer's smartphone before payment. Send it so that the buyer can confirm once more and pay securely.

Second, when a buyer pays for a product purchased by a buyer at home or abroad, he or she can provide a translation service for the product purchased by the buyer, so that the buyer can more accurately check and pay for the item purchased by the buyer.

Third, the customer can accurately check the product before payment, thereby minimizing the inconvenience of payment errors, and particularly convenient, accurate, and safe payment of goods when purchasing goods in foreign countries or foreigners.

1 to 5 are diagrams for explaining the concept of a payment service using an optical readable code according to the present invention.
6 is a block diagram illustrating a payment service system using an optical readable code according to the present invention.
FIG. 7 is a block diagram illustrating an embodiment of a payment and translation service server in a payment service system using the optical readable code shown in FIG. 6.
8 is a flowchart illustrating a payment service method using an optical readable code according to the present invention.

When described in detail with reference to the accompanying drawings a preferred embodiment of the present invention.

In addition, the terminology used in the present invention was selected as a general term that is widely used at present, but in certain cases, the term is arbitrarily selected by the applicant, and in this case, since the meaning is described in detail in the corresponding part of the present invention, a simple term It is to be understood that the present invention is to be understood as a meaning of terms rather than names. In addition, in describing the embodiments, descriptions of technical contents which are well known in the technical field to which the present invention belongs and are not directly related to the present invention will be omitted. This is to more clearly communicate without obscure the subject matter of the present invention by omitting unnecessary description.

1 to 5 are diagrams for explaining the concept of a payment service using an optical readable code according to the present invention.

The concept of payment service using the optical readable code according to the present invention is as shown in Figs. 1 to 5, the present invention is to provide a payment system applicable to miscellaneous goods, clothing, convenience stores and the like handling a large amount of goods.

Referring to FIG. 1, when a customer purchases an item, the customer requests a calculation from a cashier.

The clerk then recognizes the goods through a barcode scanner connected to the POS terminal and selects a payment method as shown in FIG. 2.

At this time, when the customer requests a payment from the clerk through the present invention payment and translation service server (see FIG. 6), the POS terminal binds the product list and the company's bank, account number and account holder information to the present invention payment and translation service server. Ready to send to In addition, the customer can also identify the identification code (ID) through his smart device (smartphone, smart pad, etc.) through the payment and translation service server (platform) of the present invention two-dimensional barcode or three-dimensional barcode ( And converts them into optically readable codes (hereinafter, abbreviated as optical codes).

The clerk then scans the customer's ID optical code (QR or barcode) with the scanner as shown in Figure 3, the POS terminal is ready to send to the payment and translation service server of the present invention and the company's bank, account number, The account holder information is transmitted to the payment and translation service server of the present invention together with the optical code of the customer's ID.

The payment and translation service server of the present invention transmits the purchased goods, product name and price information, which are transmitted payment related information, to the smart device of the customer as shown in FIG. 4 through the push notification.

Then, the customer proceeds with wire transfer (fintech) and card payment after authenticating through a method such as a password, fingerprint recognition, etc., if the received purchase product and the amount are correct as shown in FIG. 5.

In this case, the payment and translation service server of the present invention provides a service for translating payment related information transmitted from the POS terminal into the default language of the smart device when the basic language of the customer's smart device and the language transmitted from the POS terminal are different. do.

As a result, the buyer can check once more and securely pay. In addition, when the buyer pays for the purchased goods, he or she provides shopping or translation services for the purchased goods. It is possible to check and pay for goods more accurately, which minimizes the inconvenience of payment errors due to accurate checking of goods before payment, and is convenient, accurate, and safe for payment of goods in foreign countries or for foreigners. It is possible.

The concept of the payment service using the optical readable code of the present invention will be described in more detail with reference to FIGS. 6 to 8.

6 is a block diagram illustrating a payment service system using an optical readable code according to the present invention, and FIG. 7 is an embodiment of a payment and translation service server in a payment service system using an optical readable code shown in FIG. 6. It is a block diagram for explaining.

As shown in FIG. 6, the payment service system using the optical readable code according to the present invention includes a payment and translation service server 100, a plurality of first to n-th store POS terminals 200: 201, 202, and 203. A plurality of buyers (customers) first to n-th smart device (300: 301, 302, 303), a plurality of first to n-th payment server (400: 401. 402. 403) and a platform that is a domestic and international Internet portal site (Google , Yahoo, Daum, Naver, Baidu, etc.).

Here, the plurality of first to n-th store POS terminals 200: 201, 202, and 203 scan information (price and product information) of a product purchased by a customer through a barcode scanner, and scan the information on the scanned item at the request of the customer. With the optical code conversion software installed in advance, the purchased goods are converted into optical codes (bar codes or QR codes). At this time, the product list and the bank (account number) of the deposit account information of the store (company) are converted together. And it transmits to the payment and translation service server 100 together with the optical code (bar code or QR code) that is the customer ID displayed on the screen of the smart device 300 of the buyer.

A plurality of buyers (customers) first to n-th smart device (300: 301, 302, 303) is a customer, that is, if you download and install the application provided from the payment and translation service server 100 with a smart phone or smart pad, etc. Buyer identification information (ID) for identifying a buyer is generated as a buyer identification optical code (bar code or QR code) and the corresponding buyer identification optical code is displayed on the screen when the app is executed.

The plurality of first to n-th payment servers (400: 401. 402. 403) are financial company servers such as domestic banks and credit card companies, or domestic fintech (Kakao Pay, Samsung Pay, etc.) servers and foreign financial company servers.

The payment and translation service server 100 provides optical code conversion software for a corresponding POS terminal to a plurality of first to n-th store POS terminals 200: 201, 202, and 203, and a member subscribed to the smart device 300. Provides to generate an optical code (bar code or QR code) to identify the user of the smart device. Then, the purchase article optical code including the payment account information of the store from the POS terminal 200, and the buyer identification optical code is transmitted and analyzes the corresponding optical codes, the corresponding purchase article information (brand name) in the buyer's smart device 300 , Price information, etc.) and convert the purchased goods information to the smart device 300 of the corresponding buyer according to the buyer identification optical code (push alarm). Then, when the user is authenticated according to a preset payment method (fingerprint recognition, password, etc.), the user transfers money (fintech) or card payment through a predetermined payment server 400. At this time, the payment and translation service server 100 is a smart device 200 the payment related information transmitted from the POS terminal 100 when the language of the customer's smart device 200 and the language transmitted from the POS terminal 100 is different. Translated into the default language of) and send

On the other hand, the payment and translation service server 100 when the goods or goods information sent from the POS terminal for the goods or goods information purchased by the customer changes the price information of the relevant stores, such as domestic and international Internet portal site platform (Google, Yahoo, Next, Naver, Baidu, etc.) to provide 500. Of course, the information changed from the payment and translation service server 100 is changed between the payment and translation service server 100 and the platform (Google, Yahoo, Daum, Naver, Baidu, etc.) 500 which are domestic and international Internet portal sites. The program can be contracted in advance to automatically reflect the change information during transmission.

In the payment and translation service server according to the embodiment of the payment service system using the optical readable code shown in FIG. 6, the communication unit 101 includes the POS data receiver 102 and the POS data analyzer 103 as illustrated in FIG. 7. , Analysis data conversion unit 104, conversion data storage unit 105, smart device language analysis unit 106, store information analysis / update unit 107, smart device language conversion unit 108, conversion data generation and sending The unit 109, a store POS database (DB) 110, a member database (DB) 111, the update information platform providing unit 112 and the control unit 113.

Here, the communication unit 101 communicates with the POS terminal 200, the smart device 300, the payment server 400, and the platform 500 through a communication network.

The POS data receiving unit 102 receives the POS data transmitted through the communication unit 101 from the POS terminal 200.

The POS data analyzer 103 analyzes the POS data received through the POS data receiver 102. The POS data includes an optical code for the information (price, product information) of the goods purchased by the customer, information such as bank, account number, account holder information, etc., which are the deposit account information of the store (company), and the optical code corresponding to the customer ID. Analyze (bar code or QR code).

The analysis data conversion unit 104 converts the POS data analysis unit 103 into data that can be confirmed by the smart device with respect to the analyzed optical code.

The converted data storage unit 105 stores the converted data.

The smart device language analyzer 106 analyzes language information from the converted data.

The store information analysis / update unit 107 analyzes and updates price change information of the corresponding store when existing goods or product information is changed in the converted data.

 Provided by the platform (Google, Yahoo, Daum, Naver, Baidu, etc.) 500. Of course, the information changed from the payment and translation service server 100 is changed between the payment and translation service server 100 and the platform (Google, Yahoo, Daum, Naver, Baidu, etc.) 500 which are domestic and international Internet portal sites. The program can be contracted in advance to automatically reflect the change information during transmission.

The smart device language converter 108 converts the data stored in the language analyzed by the smart device language analyzer 106 into a language set in the smart device.

The conversion data generating and sending unit 109 generates the converted data as data for transmitting to the smart device of the customer, and requests for sending through the communication unit 101.

Store POS database (DB) 110 stores one or more of the POS identification information, location information, price information, bank, account number, account holder information of the store.

Member database (DB) 111 stores the member's smart device identification information, optical code information for identifying a customer member.

The update information platform providing unit 112 provides the updated various information of the store through the communication unit 101 to the platform.

The control unit 113, the communication unit 101, POS data receiving unit 102, POS data analysis unit 103, analysis data conversion unit 104, conversion data storage unit 105, smart device language analysis unit 106 , Store information analysis / update unit 107, smart device language conversion unit 108, conversion data generation and sending unit 109, store POS database (DB) 110, member database (DB) 111 and updates Of the information transmitted from the POS terminal 100 by controlling the information platform provider 112, whether the bank, account number, account holder information is consistent with the store POS database (DB) (110) and also among the smart device identification information of the customer member It is determined whether the number information and the optical code information match the information stored in the member database (DB) 111, and if an error occurs, error processing is performed so that safe product payment is possible at the time of purchase or payment.

8 is a flowchart illustrating a payment service method using an optical readable code according to the present invention.

In the payment service method using the optical readable code according to the present invention, as shown in FIG. 8, the optical code conversion software provided by the optical code payment and translation service server is installed in the POS terminal (S100).

The smart device installs the application provided by the optical code payment and translation service server (S110). This application is to display the optical code to identify the customer (buyer) as an optical code on the screen of the smart device to enable scanning in the barcode scanner of the POS terminal.

The customer's POS terminal scans the product price through the scanner for the product selected to purchase (S120).

Subsequently, the POS terminal generates an optical code including payment information on the scanned product and the price (S130).

If you log in to the payment and translation service server through your smart device and select a preset menu (e.g., the payment menu), the payment and translation service server uses the customer's smart device to provide the customer ID with an optical code such as a barcode or QR code. And, accordingly, the ID of the customer of the smart device is displayed as an optical code (S140).

The POS terminal of the store scans the optical code of the customer displayed on the smart device, and transmits it to the payment and translation service server together with the optical code generated for storing the payment (S150).

The payment and translation service server searches for the basic language of the smart device included in the transmitted optical code (S160).

Subsequently, if the basic language of the smart device is not the same as the language of the optical code transmitted for payment, the payment and translation service server converts the information required for product payment into a language set in the smart device and transmits it to the smart device (S170).

The customer checks the purchase product and the amount received through the smart device on the screen, and if it is correct, through the authentication, such as password, fingerprint recognition, proceeds with the transfer (fintech) and card payment (S180).

On the other hand, the payment and translation service server 100 provides the platform 500, the domestic and overseas Internet portal site price change information when the goods or goods information transmitted from the POS terminal for the goods or goods information purchased by the customer is changed do.

Although the present invention has been described by way of example as described above, the present invention is not necessarily limited to these examples, and various modifications can be made without departing from the spirit of the present invention. Therefore, the examples disclosed in the present invention are not intended to limit the technical idea of the present invention but to explain the present invention, and the scope of the technical idea of the present invention is not limited by these examples. The protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the equivalent scope should be interpreted as being included in the scope of the present invention.

100: payment and translation service server 101: communication unit
102: POS data receiving unit 103: POS data analysis unit
104: analysis data conversion unit 105: conversion data storage unit
106: smart device language analysis unit 107: store information analysis / update unit
108: smart device language conversion unit 109: conversion data generation and sending unit
110: store POS database (DB) 111: member database (DB)
112: update information platform provider 113: control unit
200: POS terminal 300: smart device
400: payment server 500: platform (domestic and foreign portal site)

Claims (3)

The scanner scans the purchase information of the purchased item by the customer, converts the purchase item list and the deposit account information of the store (vendor) into the purchased item optical code using pre-installed optical code conversion software, and the buyer's smart device (300 A plurality of POS terminals 200 for transmitting to the payment and translation service server 100 together with a buyer identification optical code which is a customer ID for identifying the customer displayed on the screen of the user;
A plurality of purchaser smart devices 300 to which applications provided from the payment and translation service server 100 are installed to generate the buyer identification optical code;
A plurality of payment servers 400 which are financial company servers such as domestic banks and card companies or domestic fintech servers and foreign financial company servers; And
When the purchase article optical code including the deposit account information of the store from the plurality of POS terminals 200 and the buyer identification optical code are transmitted from the smart device 300, the corresponding optical codes are analyzed and the buyer's smart device 300 ) To convert the purchased goods information to be confirmed and sent to the buyer's smart device 300, and when the user is authenticated to the smart device 300 according to a preset payment method, remittance (fintech) or card payment The payment and translation service server (100) through a predetermined payment server 400; Payment service system using an optical readable code, characterized in that it comprises a.
The method according to claim 1,
The optical code is a payment service system using an optical readable code, characterized in that one of a QR code or a barcode.
In the payment method of the payment service system using the optically readable code of Claim 1 or 2,
Installing the optical code conversion software provided by the payment and translation service server on the POS terminal (S100);
Installing an application provided by the payment and translation service server to display the buyer identification optical code on a screen of a smart device (S110);
The POS terminal scans the price of the item through a scanner for the purchased item to be purchased (S120);
Generating an optical code of the purchased item including the scanned purchase item, price, and payment information (S130);
When the smart device is logged in to the payment and translation service server, the payment and translation service server transmits the buyer identification optical code to the smart device, and displays the buyer identification optical code on the screen of the smart device (S140). );
Scanning the buyer identification optical code displayed on the smart device in the POS terminal, and transmitting the purchased optical code generated by the POS terminal to the payment and translation service server together with the purchase article optical code (S150);
The payment and translation service server transmits the information necessary for payment of the purchase article to the smart device in the basic language of the smart device included in the optical article optical code (S170); And
If the user is authenticated by the payment method set in advance in the smart device, the payment is made through the payment server (S180); Payment method of a payment service system using an optical readable code comprising the.

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