KR102260095B1 - A method for operating and an appratus using it for providing transaction managements based on codes - Google Patents

Abstract

A method of operating a purchaser terminal according to an embodiment of the present invention includes: recognizing code information corresponding to a product; determining a purchase list according to a user input for the code information; generating remittance transfer information to the payment account in which product information for the purchase list is included in a sender name by using the product information and the payment account identified from the code information; and transmitting the remittance transfer information to a bank server.

Description

Operation method of a terminal providing transaction management using remittance transfer, and device therefor {A METHOD FOR OPERATING AND AN APPRATUS USING IT FOR PROVIDING TRANSACTION MANAGEMENTS BASED ON CODES}

The present invention relates to a method of operating a terminal providing transaction management and an apparatus therefor.

In general, when purchasing goods, cash and credit cards are mainly used as payment methods for this. As such, among the payment methods, when carrying cash to consumers, there is a risk of loss, and for sellers, it is difficult to secure tax revenue transparency and manage transaction information.

Accordingly, payment using credit cards is encouraged until now, which not only provides convenience in use, such as enabling consumers to pay for the goods they purchase later, and receiving income deductions, but also allows consumers to pay for the products purchased by consumers. Since purchase-related details are converted into a database, there is an advantage in that tax revenue can be secured.

However, since the credit card must have a separate credit card issuance procedure and authentication process, and the actual card must be carried or stored in a portable terminal, there is a problem in security management of the payment method.

Accordingly, in a situation where Internet-only banks are launched and many cash transactions are processed through online transfers between mobiles by Internet remittance, the online payment method using remittance transfer has emerged as a payment method that combines only the advantages of the above two methods. is becoming

Currently, in the case of such remittance transfer, it is common for the buyer to receive account information for payment of the necessary product from the seller, transfer the corresponding amount, and show the result to the seller or the seller directly confirms the process.

However, the seller has the inconvenience of having to check the transfer to the deposit account and the buyer information according to the buyer's request, and input management of transaction details, management of sales information, and inventory management using his/her terminal every time. .

In the same way from the buyer's point of view, in a situation where only the amount information and the seller's account information are input during remittance, a separate personal management input is required for which product the remittance is for payment, which is very inconvenient to be.

The present invention is to solve the above problems, by including transaction information including product information recognized from code information at the time of remittance payment in the transferee information to perform transfer processing, and by providing transaction history management based on this An object of the present invention is to provide an operating method and an apparatus for a terminal that provides transaction management using remittance transfer, in which both a buyer and a seller can easily manage each transaction history with only the transfer details without inputting information.

A method according to an embodiment of the present invention for solving the above problems, in the method of operating a purchaser terminal, the steps of: recognizing code information corresponding to a product to be purchased; determining a purchase list according to a user input for the code information; generating remittance transfer information to the payment account in which transaction information corresponding to the purchase list is included in a remitter name by using product information and payment account information identified from the code information; and transmitting the remittance transfer information to a bank server.

A method according to an embodiment of the present invention for solving the above problems, in the method of operating a payment terminal, includes: checking transaction details of a payment account to be used for product sales; checking remittance transfer information from the transaction details to the payment account in which transaction information corresponding to a product purchase list is included in a sender name; and processing transaction information management of the product sale by using product information identified from the remitter name information of the remittance transfer information.

An apparatus according to an embodiment of the present invention for solving the above problems, in the purchaser terminal device, a code recognition unit for recognizing code information corresponding to a product to be purchased; a payment management unit that determines a purchase list according to a user input for the code information; a transfer processing unit generating remittance transfer information to the payment account in which transaction information corresponding to the purchase list is included in a sender name by using product information and payment account information identified from the code information; and a communication unit for transmitting the remittance transfer information to a bank server.

An apparatus according to an embodiment of the present invention for solving the above problems, in a payment terminal device, comprises: an account detail checking unit for checking transaction details of a payment account to be used for product sales; a remittance payment identification unit for identifying remittance transfer information from the transaction details to the payment account in which transaction information corresponding to a product purchase list is included in a remitter name; and a transaction information management unit that processes transaction information management of the product sale by using product information identified from the remitter name information of the remittance transfer information.

*According to the embodiment of the present invention, by including transaction information including product information recognized from code information at the time of remittance payment, transfer processing is performed, and transaction history management is provided based on this, thereby transferring information without inputting additional information. With the history alone, both the buyer and the seller can provide transaction management using remittance transfer, which can easily manage each transaction history.

1 is a conceptual diagram schematically illustrating an entire system according to an embodiment of the present invention.
2 is a block diagram illustrating in more detail a purchaser terminal according to an embodiment of the present invention.
3 is a block diagram illustrating a payment terminal according to an embodiment of the present invention in more detail.
4 is a ladder diagram illustrating an overall system operation according to an embodiment of the present invention.
5 to 8 are diagrams illustrating user interfaces of a purchaser terminal and a payment terminal according to an embodiment of the present invention.
9 is a view for explaining the transaction details management according to the conversion of the depositor information according to an embodiment of the present invention.

The following content merely exemplifies the principles of the present invention. Therefore, those skilled in the art can implement the principles of the present invention and invent various devices included in the concept and scope of the present invention, although not clearly described or illustrated herein. In addition, all conditional terms and examples listed in this specification are, in principle, clearly intended only for the purpose of understanding the concept of the present invention, and should be understood as not limiting to the embodiments and states specifically listed as described above. do.

Moreover, it is to be understood that all detailed description reciting the principles, aspects, and embodiments of the present invention, as well as specific embodiments, are intended to cover structural and functional equivalents of such matters. It should also be understood that these equivalents include not only currently known equivalents, but also equivalents to be developed in the future, that is, all devices invented to perform the same function regardless of the structure.

Accordingly, all flowcharts, state transition diagrams, pseudo code, etc. may be tangibly embodied on computer-readable media and should be understood to represent various processes performed by a computer or processor, whether or not a computer or processor is explicitly shown. .

The functions of the various elements shown in the drawings, including a processor or functional block represented by a similar concept, may be provided by the use of dedicated hardware as well as hardware having the ability to execute software in association with appropriate software. When provided by a processor, the function may be provided by a single dedicated processor, a single shared processor, or a plurality of individual processors, some of which may be shared.

The above-described objects, features, and advantages will become more apparent through the following detailed description in connection with the accompanying drawings, whereby those of ordinary skill in the technical field to which the present invention pertains can easily implement the technical idea of the present invention. There will be. In addition, in describing the present invention, when it is determined that a detailed description of a known technology related to the present invention may unnecessarily obscure the subject matter of the present invention, a detailed description thereof will be omitted.

Hereinafter, various embodiments of the present invention will be described in detail with reference to the accompanying drawings.

First, terms used in the specification of the present invention are briefly defined, and then embodiments of the present invention will be described.

As used herein, "terminal" or "terminal device" includes a mobile phone, a smart phone, a laptop computer, a digital broadcasting terminal, Personal Digital Assistants (PDA), Portable Multimedia Player (PMP), navigation, etc. may be included, but the present invention is not limited thereto, and may be various devices capable of user input and information display other than that.

1 is a conceptual diagram schematically illustrating an entire system according to an embodiment of the present invention.

Referring to FIG. 1 , the entire system according to an embodiment of the present invention includes a purchaser terminal 100 , a seller's payment terminal 200 , and a bank server 300 .

The purchaser terminal 100 performs wireless communication through a general mobile communication network, and transmits and receives at least one of various messages such as a short message service (SMS), a multimedia message service (MMS), and an e-mail message. It may include cellular phone functionality.

In addition, the purchaser terminal 100 and the payment terminal 200 can access a mobile communication network and use a Personal Digital Assistant (PDA) function capable of transmitting and receiving data with an IP (Internet Protocol) network such as the Internet. .

On the other hand, the payment terminal 200 is communicatively connected with the bank server 300, and performs remittance transfer payment using transaction information confirmed from the bank server 300 using a payment program, and manages the transaction details corresponding thereto. can be processed

In addition, although not shown, the payment terminal 200 may further include a normal payment terminal function, and may perform discount, accumulation, cash or credit payment processing by sending a transaction approval request message to request approval. .

Then, the seller attaches the code information 11 for the sale of the product 10 to the product 10 or arranges it in response to the product 10, so that the purchaser terminal 100 recognizes this by remittance transfer payment processing can induce

Here, according to an embodiment of the present invention, the code information may include various code information in a form that can be recognized offline or online from images such as QR codes and barcodes, and the purchaser terminal 100 receives the code information. Recognize to generate remittance transfer information, and transfer the generated remittance transfer information to the bank server 300 to process remittance transfer payment.

Here, the purchaser terminal 100 uses product information and payment account information identified from the code information to generate the remittance and transfer information, and transfers transaction information corresponding to the purchase list to the payment account including the sender name. of remittance transfer information may be generated, and the remittance transfer information may be transmitted to the bank server 300 .

The bank server 300 may perform a transfer process according to the remittance transfer information requested from the purchaser terminal 100 , and may provide transfer detail information to the payment terminal 200 . The transfer history information may be provided in a push form or according to a periodic request of the payment terminal 200 .

Accordingly, the payment terminal 200 may check account details according to the remittance transfer information. The payment terminal 200 may register payment account information to be used for product sales in advance, and according to the transaction details of the account, transaction information corresponding to the product purchase list is included in the name of the sender. can be checked.

In addition, the payment terminal 200 may process transaction information management of the product sale by using product information identified from the remitter name information of the remittance transfer information.

For example, the payment terminal 200 may process inventory management according to product identification information and quantity information from the sender name information of the remittance transfer information, and may process sales management according to the remittance amount information.

According to such processing, it is possible to automatically manage actual transaction details, especially sales and inventory, by simply changing the name of the sender without additional infrastructure, and also from the buyer's point of view, the purchased product or affiliated store information can be checked only with the remittance history. It enables convenient remittance and transfer payments between buyers and sellers. In addition, this can be provided by simply installing or updating a simple application for the purchaser terminal 100 and the payment terminal 200 , thereby minimizing the construction cost.

2 is a block diagram illustrating in more detail a purchaser terminal according to an embodiment of the present invention.

Referring to FIG. 2 , the purchaser terminal 100 according to an embodiment of the present invention includes a control unit 110 , a communication unit 120 , a code recognition unit 130 , a payment management unit 140 , a transfer processing unit 150 , and a remittance history. It includes a management unit 160 , an interface unit 170 , and a storage unit 180 .

The control unit 110 serves to control the overall operation of the purchaser terminal 100 .

The communication unit 120 may include one or more modules for performing communication between the purchaser terminal 100 and an external device such as the bank server 300 .

Here, the communication unit 120 is a type connected through a wireless or wired method through a local area network (LAN) and an Internet network, a type connected through a USB (Universal Serial Bus) port, and a mobile communication network such as 3G or 4G. It may include a communication module of a type connected through a short-range wireless communication method such as near field communication (NFC), radio frequency identification (RFID), Wi-Fi, and the like.

The interface unit 170 receives a user input and an external input for the purchaser terminal 100 . Here, the interface unit 170 includes at least one of various types of buttons, a touch sensor that receives a touch input to the display unit, a proximity sensor that receives a motion approaching without being directly connected to the surface of the display unit, and a microphone that receives a voice input. can be implemented using However, the present invention is not limited thereto, and may be implemented in any form capable of receiving a user input.

In particular, the interface unit 170 may display an interface screen for processing code information recognition and purchase list generation according to the operation of the purchaser terminal 100 according to an embodiment of the present invention. In addition, the interface unit 170 may display an image including one or more code information, and may select any one code information according to a user selection input to generate a purchase list.

For example, the code information may include a bar code (BARCODE) or a QR code image output through an image. In addition, the code recognition unit 130 may recognize transaction information required for payment from code information selected according to a user's selection among one or more code information output through the interface unit 170 .

Here, the code information may include at least one of product identification information, affiliate store identification information, and payment account information corresponding to the affiliate store identification information. For example, the product information may include product serial number information, and may be matched to a product information table managed by the payment terminal 200 . The affiliated store identification information may correspond to the payment terminal 200 in some cases. In addition, it may consist of identification information for identifying an affiliated store that does not correspond to the payment terminal 200 and matches the payment account information. In addition, if the payment account information is not directly included in the code information, Thus, it may be configured to be obtainable from the affiliated store identification information included in the code information. For example, payment account information corresponding to the affiliated store identification information may be matched and managed in the bank server 300 or a separate relay server that relays remittance transfer information processing to the bank server 300 .

In addition, when the code recognition unit 130 recognizes the affiliated store identification information included in the code information, the controller 110 uses the affiliated store identification information identified from the code information, and the affiliated store payment account corresponding to the affiliated store identification information. Information may be received from the external relay server, obtained and processed.

In this way, without obtaining affiliate store payment account information from separate code information, the bank server 300 or a separate relay server that relays remittance transfer information processing to the bank server 300 matches the affiliate store identification information It is also possible to process remittance transfer by identifying merchant payment account information. To this end, affiliate store payment account information corresponding to the affiliate store identification information may be registered in the bank server 300 or a separate relay server.

Accordingly, the control unit 110 may provide a purchase list selection input interface corresponding to the code information recognized by the code recognition unit 130 through the interface unit 170 .

Then, the control unit 110 generates remittance transfer information corresponding to the purchase list determined according to the user selection input through the payment management unit 140 , and processes the transfer request to the bank server 300 through the transfer processing unit 150 . can

Here, the remittance transfer information may be generated based on at least one of product information, affiliate store identification information, and payment account information recognized from the code information. In particular, the product information and affiliate store identification information may be included in the sender name. have.

As described above, the payment account information may be obtained from a separate relay server that relays remittance transfer information processing to the bank server 300 according to matching with the affiliate store identification information, not the code information, and thus Even if the management unit 140 does not include payment account information in the separate remittance transfer information, the payment account information that matches the affiliated store identification information in the bank server 300 or a separate relay server via the bank server 300 can be identified and inserted into remittance transfer information.

Here, the affiliated store identification information may be exemplified by at least one of a business registration number registered in an external affiliated store management server, a terminal TID, and a mobile phone number of an affiliated store owner.

Here, the sender name information may be converted to match according to the character limit of the sender name managed by the bank server 300 . To this end, the control unit 110 may use a predetermined conversion table to generate sender information having a minimum length corresponding to the sender name, and assign it to the sender name.

For example, the transfer processing unit 150 may convert the product code information and the affiliated store identification information into characters that can be mapped to a separate table set in advance, and include the converted characters in the name of the sender to process the request for remittance transfer. can

Meanwhile, the remittance history management unit 160 may check result information of the remittance details, and may provide management processing of transaction information according to the remittance details. For example, the remittance history management unit 160 may map the remittance information and the recognized code information, and provide a transaction history management process corresponding to purchased product information, price information, and date information.

The storage unit 180 functions to store various data and applications required for the operation of the purchaser terminal 100 . In particular, the storage unit 180 may store code information and applications for implementing various embodiments of the present invention.

Here, the storage unit 180 includes a random access memory (RAM), a flash memory, a read only memory (ROM), an erasable programmable ROM (EPROM), an electrically erasable and programmable ROM (EEPROM), a register, a hard disk, a removable disk, and a memory. It may be implemented as a storage device of a built-in type such as a card, as well as a storage device of a removable type such as a USB memory.

3 is a block diagram illustrating a payment terminal according to an embodiment of the present invention in more detail.

Referring to FIG. 3 , the payment terminal 200 according to an embodiment of the present invention includes a control unit 210 , a communication unit 220 , an account detail check unit 230 , a remittance payment identification unit 240 , and a transaction information management unit 250 . ), an interface unit 260 and a storage unit 270 .

The control unit 210 controls the overall operation of the payment terminal 200, and may further perform the above-described normal payment processing function in addition to the functions described in the embodiment of the present invention.

In addition, the communication unit 220 may include one or more modules for performing communication between external devices such as the bank server 300 .

Here, the communication unit 220 is a type connected through a wireless or wired method through a local area network (LAN) and an Internet network, a type connected through a USB (Universal Serial Bus) port, and a mobile communication network such as 3G or 4G. It may include a communication module of a type connected through a short-range wireless communication method such as near field communication (NFC), radio frequency identification (RFID), Wi-Fi, and the like.

Then, the account details check unit 230 checks the transaction details of the payment account to be used for product sales through the communication unit.

To this end, the controller 210 matches the merchant identification information to the bank server 300 or a separate relay server that relays the remittance transfer information processing to the bank server 300 for payment account information to be used for product sales according to service registration. can be registered. Also, the payment account information may be included in code information recognized by the purchaser terminal 100 .

In addition, the remittance payment identification unit 240 may identify remittance transfer information to the payment account in which the transaction information corresponding to the product purchase list is included in the name of the remitter, as the remittance payment, from the confirmed transaction details.

Accordingly, the transaction information management unit 250 may process transaction information management of the sale of the product by using product information identified from the remitter name information of the remittance transfer information.

Here, the transaction information management unit 250 may process the inventory management according to product identification information and quantity information identified from the sender name information of the remittance transfer information.

In addition, the transaction information management unit 250 may process sales history management according to product identification information, quantity information, and deposit amount information identified from the sender name information of the remittance and transfer information.

To this end, the control unit 210 may generate and output code information including the product information, affiliated store identification information, and account information, and the code information may be displayed together with or separately from the product, or offline in the form of written output. may be provided through

Accordingly, the transaction information processed from the identified remittance payment is generated by recognizing code information corresponding to the product information in the purchaser terminal, and necessary information other than the payment date and payment amount may be processed to be obtained from the remitter information.

To this end, a mapping table for specifically identifying actual product information and purchase details from the sender's name and using it for inventory and sales management may be stored in the storage unit 270 , which will be described later.

4 is a ladder diagram illustrating an overall system operation according to an embodiment of the present invention.

Referring to FIG. 4 , first, the purchaser terminal 100 recognizes code information provided in correspondence with the product through the code recognition unit 130 ( S107 ).

Here, the code information may include product information and affiliate store identification information, and may optionally further include payment account information. For example, when payment account information corresponding to the affiliated store identification information is pre-registered in the bank server 300 or a separate relay server that relays remittance and transfer information processing to the bank server 300, the payment account information may be omitted from the code information.

Then, when the purchase product and number are selected through the interface unit 170 (S109), the purchaser terminal 100 generates remittance transfer information through the payment management unit 140 (S111).

Then, the transfer processing unit 150 transmits a remittance transfer request using the generated remittance transfer information to the bank server 300 .

Here, the sender information of the remittance transfer request may include at least one of affiliate store identification information, product information, and purchaser information.

* Then, the bank server 300 performs remittance transfer processing (S115), and transmits the processing result information to the payment terminal 200 and the purchaser terminal 100, respectively (S117 and S119).

Accordingly, the payment terminal 200 may identify product information corresponding to the affiliated store information from the transfer information (S121), and payment is processed by inputting product sales approval (or service provision completion input) to the payment terminal 200 (S121). may be performed (S123).

Accordingly, the payment terminal 200 may process the transfer information-based sales and inventory management (S125), and the purchaser terminal 100 may process the transfer information-based purchase history management (S111).

5 to 8 are diagrams illustrating user interfaces of a purchaser terminal and a payment terminal according to an embodiment of the present invention.

Referring to FIG. 5 , the purchaser terminal 100 according to an embodiment of the present invention may process to recognize code information including one or more product codes through the code recognition unit 130 .

In particular, code information according to an embodiment of the present invention may be output through the purchaser terminal 100 so that a user can select a plurality of them in a single image. To this end, the control unit 110 of the purchaser terminal 100 recognizes one or more code information displayed from the image, and controls a user-selectable interface to be output through the interface unit 170 in response to the recognized code information. can

And, the purchaser terminal 100 outputs product information corresponding to the code information selected by the user among a plurality of code information, and adds it to the purchase list (eg, shopping cart of the application) according to the input of the quantity information corresponding thereto. can

And, as shown in FIG. 6 , payment for the purchase list may be processed according to the payment input of the purchaser terminal 100 .

However, for each product, the merchant selling it or the payment account information required for payment may be different. Accordingly, different affiliate store identification information and account information may be included in the code information, respectively.

Therefore, according to an embodiment of the present invention, when generating the remittance transfer information, the payment management unit 140 identifies each affiliate store information and account information selling products to be paid from the plurality of codes, and the identified Remittance and transfer information for each affiliate store and account information can be individually created.

In addition, as shown in FIG. 7 , according to a user input, each of the individually generated remittance and transfer information may be batch-processed. To this end, batch processing information for individual payment transfers may be output to the purchaser terminal 100 through the interface unit 170 .

Meanwhile, FIG. 8 shows the output of the interface unit 260 for product sales in the payment terminal 200 , and the payment terminal 200 transmits the remittance payment information identified through the remittance payment identification unit 240 to the interface unit. may be output to 260 , and approval of product sales may be processed according to the seller input.

Here, the remittance payment identification unit 240 may check the purchaser's identification information, the product identification information, and the affiliated store identification information from the sender's name (or the depositor's name), and according to the seller's approval processing, the transaction information management unit 250 can perform sales and inventory management processing according to the amount information and date information. In addition, the processing result according to the processing may be output through the interface unit 260 .

9 is a view for explaining the management of transaction details according to the conversion of the depositor information according to an embodiment of the present invention.

Referring to FIG. 9 , a separate conversion process may be required to extract transaction information from the restricted sender name. Accordingly, product information included in the name of the depositor, purchase quantity information, affiliate store identification information, and purchaser identification information may be encoded and inserted into the transaction history information. For this, a separate conversion table may be included, and the conversion table may be shared by both the purchaser terminal 100 and the payment terminal 200 .

For example, as shown in FIG. 9 , the deposit details may include a sender name in the form A01+1_X_AAA. However, the transaction information management unit 250 of the payment terminal 200 confirms, from the sender name information, that it is one piece of sales information for product A set in advance in response to A01 and sales information corresponding to the affiliated store X, and stores the transaction details. It can handle sales and inventory management.

In addition, as shown in FIG. 9 , since the recognized code information may include affiliate store identification information, even if it is a transaction history for the same account, product inventory and sales management for each affiliate store can be processed respectively, enabling efficient processing do.

On the other hand, the above-described method according to various embodiments of the present invention is implemented in the form of installation data to be executed in a terminal device and stored in various non-transitory computer readable media to each server or device. can be provided.

The non-transitory readable medium refers to a medium that stores data semi-permanently and can be read by a device, rather than a medium that stores data for a short moment, such as a register, a cache, and a memory. Specifically, the above-described various applications or programs may be provided by being stored in a non-transitory readable medium such as a CD, DVD, hard disk, Blu-ray disk, USB, memory card, ROM, or the like.

In addition, although preferred embodiments of the present invention have been illustrated and described above, the present invention is not limited to the specific embodiments described above, and the technical field to which the present invention belongs without departing from the gist of the present invention as claimed in the claims In addition, various modifications may be made by those of ordinary skill in the art, and these modifications should not be individually understood from the technical spirit or perspective of the present invention.

Claims (14)

In the method of operation of the purchaser terminal,
recognizing code information corresponding to a product;
determining a purchase list according to a user input for the code information;
generating remittance transfer information to the payment account including product identification information for the purchase list by using product information and a payment account identified from the code information; and
transmitting the remittance transfer information to a bank server;
The step of generating the remittance transfer information includes:
The transaction information including the product identification information of the product selected from the purchase list is converted into characters that can be mapped to a preset table, and the converted characters are included in the sender name information of the remittance transfer information, so that the sender name information is a product Including processing for use in inventory and sales management
How the terminal operates. The method of claim 1,

The transaction information includes at least one of product number information, affiliate store information, and purchaser information.
How the terminal operates. The method of claim 2,
The generating step is
converting at least one of the product number information, the affiliated store information, and the purchaser information into a sender code included in the sender name information of the remittance transfer information using a preset conversion table
How the terminal operates. The method of claim 3,
The sender code is converted by matching the character limit value of the sender's name.
How the terminal operates. The method of claim 1,
The code information includes a plurality of codes,
The step of generating the remittance transfer information includes:
identifying, from the plurality of codes, each affiliate store information and account information selling a product to be paid; and
and individually generating remittance and transfer information for each identified affiliate store information and account information.
How the terminal operates. The method of claim 5,
In accordance with a user input, comprising the step of batch processing each of the individually generated remittance and transfer information
How the terminal operates. The method of claim 1,
Recognizing the code information comprises:
displaying an image including the code information on the terminal;
identifying one or more pieces of code information included in the displayed image and displaying the selected code information; and
determining, according to the user input, a purchase list corresponding to the selected product among the one or more pieces of code information
How the terminal operates. The method of claim 1,
According to the remittance transfer details confirmed from the bank server, further comprising the step of processing at least one of sales or inventory management according to transaction details information processing
How the terminal operates. In the method of operation of a payment terminal,
checking transaction details of a payment account to be used for product sales;
checking remittance transfer information from the transaction details to the payment account including product information corresponding to a product purchase list; and
Using the product identification information identified from the remittance and transfer information, comprising the step of processing transaction information management of the product sale,
The remittance information is
In the purchaser terminal, the transaction information including the product identification information of the product selected from the purchase list is converted into characters that can be mapped to a preset table, and the converted characters are processed to be included in the sender name information of the remittance transfer information, Characterized in that the sender name information is processed to be used for product inventory and sales management
How the terminal operates. According to claim 9, The step of processing the transaction information management,
In accordance with the transaction information identified from the sender name information of the remittance transfer information, comprising the step of processing inventory management
How the terminal operates. The method of claim 9,
The step of processing the transaction information management,
According to the transaction information and the deposit amount information identified from the remittance and transfer information, comprising the step of processing sales details management
How the terminal operates. The method of claim 9,
The product information is characterized in that the purchaser terminal is generated by recognizing code information corresponding to the product
How the terminal operates. In the purchaser terminal device,
a code recognition unit for recognizing code information corresponding to a product to be purchased;
a payment management unit that determines a purchase list according to a user input for the code information;
a transfer processing unit generating remittance transfer information to the payment account including product identification information corresponding to the purchase list by using product information and payment account information identified from the code information; and
and a communication unit for transmitting the remittance transfer information to a bank server,
The transfer processing unit,
The transaction information including the product identification information of the product selected from the purchase list is converted into characters that can be mapped to a preset table, and the converted characters are included in the sender name information of the remittance transfer information, so that the sender name information is a product Including processing for use in inventory and sales management
terminal device. In the payment terminal device,
Account details check unit for checking the transaction details of the payment account to be used for product sales;
a remittance payment identification unit for identifying remittance transfer information from the transaction details to the payment account including transaction information corresponding to a product purchase list; and
Using the product identification information identified from the remittance and transfer information, including a transaction information management unit for processing the transaction information management of the product sale,
The remittance information is
In the purchaser terminal, the transaction information including the product identification information of the product selected from the purchase list is converted into characters that can be mapped to a preset table, and the converted characters are processed to be included in the sender name information of the remittance transfer information, Characterized in that the sender name information is processed to be used for product inventory and sales management
terminal device.

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