KR102298470B1 - Device and method for easy payments service - Google Patents

Abstract

The present technology relates to a simple payment device and a method. The simple payment device of this technology includes: a payment code generation/authentication processing unit which communicates with an affiliated store server and receives order information to generate payment code information including a key value, communicates with a user terminal device, and performs a user authentication process for payment processing using the payment code information; and a payment processing unit which transmits the payment code information to an affiliated store server and proceeds with a payment process between the affiliated store server and a VAN company based on the key value, when the user authentication is completed. This technology enables an offline mobile simple payment service without using a PG network even in a merchant environment without a scanner, thereby reducing merchant fees.

Description

Easy payment device and method {Device and method for easy payments service}

The present invention relates to a simple payment device and method, and more particularly, to a simple payment device and method using a QR code.

With the development of IT technology, various mobile simple payment services are being provided for online and offline payments.

The simple payment service is being applied to various payment methods such as credit card, check card, account-based debit, and prepaid payment method. Recently, it has been actively applied as a payment method through rechargeable money provided by simple payment companies.

In order to preoccupy the mobile simple payment market, competition among simple payment companies to provide easier, faster, and safer payment methods is fiercer than ever.

A two-dimensional barcode, QR (Quick Response) code, is generally used for simple payment. A QR code contains more information than a one-dimensional barcode.

QR code simple payment method can be divided into two main methods. These are the Customer Presented Mode (CPM) method and the Merchant Presented Mode (MPM) method. The former is called the customer presentation method, and the latter is called the merchant presentation method.

CPM is a method in which a consumer generates a QR code, and the merchant terminal recognizes it and communicates. Conversely, MPM is a method in which the consumer reads the QR code generated by the merchant terminal with a smartphone.

For example, if the merchant has a scanner, the merchant can read the scanner, so you can make an offline payment using the CPM method. You can scan with your phone and make an offline payment.

On the other hand, there are fixed types and variable types of QR codes or barcodes. A static QR code refers to a method in which a QR code value is fixed, and is exposed in the form of a printout at a merchant checkout counter or POS (Point on Sales). The product price is fixed and the customer directly enters the amount.

Dynamic QR code is a one-time QR code generated for each transaction, and is displayed as an image on the smartphone screen or POS screen. Since information such as product information and price input from the device is included, the consumer does not need to input an amount separately.

In the above market situation, in the case of payment through MPM-type variable QR code, most existing companies are providing payment service through PG (Payment Gate). That is, the PG company is involved in offline payment.

Even though it is an offline payment, it is not an offline payment using a general credit/debit card that only a VAN (Value Added Network) company is involved in, but a PG company is intervening like an online payment.

From the point of view of the franchisee, there is a burden of paying an additional intermediate fee. The PG company receives an intermediate fee according to the use of the PG network.

Since most franchisees are small and medium-sized enterprises, research is needed to reduce the burden of franchise fees. In particular, in the simple payment method using the variable QR code of the MPM method operated in affiliated stores without a scanner, a system that can perform simple payment without a PG company is more required.

The inventor of the present invention has completed the present invention after long research and trial and error in order to solve these problems.

An embodiment of the present invention provides a new simple payment method that allows the offline mobile simple payment service to be used without using a PG network even in an affiliated store environment without a scanner.

On the other hand, other objects not specified in the present invention will be additionally considered within the range that can be easily inferred from the following detailed description and effects thereof.

The simple payment device according to an embodiment of the present invention communicates with an affiliated store server, receives order information, generates payment code information including a key value, communicates with a user terminal device, and provides a user for payment processing using the payment code information. a payment code generation/authentication processing unit that performs an authentication process; and a payment processing unit that transmits the payment code information to the affiliated store server when the user authentication is completed and performs a payment process between the affiliated store server and the VAN company based on the key value.

The payment code generation/authentication processing unit may include: a generation unit generating the payment code information; an input unit for receiving scan information and payment method information from a user terminal device that scans a payment code in an affiliated store terminal device displayed using the payment code information; a verification unit that verifies the validity of the payment code information using the scan information; and a user authentication unit for requesting payment progress confirmation to the user terminal device and receiving a payment progress confirmation from the user terminal device.

The payment processing unit, when the payment progress confirmation is received, transmits the payment code information to the affiliated store server and a request unit for requesting the payment process progress while transmitting the payment code information to the affiliate store server; The payment process may proceed by transferring the key value from the affiliated store server that has verified the validity of the payment code information to the VAN company server.

It may further include; a response value receiving unit for receiving a response value from the affiliated store server that has normally received the payment process progress request.

The payment processing unit may include: a confirmation unit configured to confirm the payment method information corresponding to the key value according to a request of the VAN company server to which the key value has been transmitted; and when the confirmation result is an external payment method, a one-time code enabling payment by the confirmed payment method is obtained from the external card company server and provided to the VAN company server, and if the confirmation result is an internal payment method, the confirmed payment method It may further include;

The payment processing unit is connected to the external card company server, receives a payment approval result generated from the VAN company server that has received approval for the payment or has received the notification, and transmits and receives the result of transmitting the payment approval result to the user terminal device It may further include;

The affiliated store server completes the payment when the payment approval result is received from the VAN company server, but the affiliated store server analyzes the payment code information to determine the payment approval result within an effective time defining the activation time of the key value When received, the payment may be completed.

The order information is generated by any one of a plurality of affiliated store terminal devices connected to the affiliated store server through a network and transmitted to the affiliated store server, and the affiliated store server analyzes the payment code information to analyze the payment code information to the one of the affiliated store terminal devices. to deliver the payment code information.

The payment code may be an MPM type variable QR code.

In addition, the affiliate store server according to an embodiment of the present invention transmits the order information received from any one affiliate store terminal device among a plurality of affiliate store terminal devices to the simple payment server, receives the order information, and receives the payment code including a key value a communication unit for receiving the payment code information from the simple payment server that has generated the information; a storage unit for storing the received payment code information; a display unit for displaying a payment code image using the stored payment code information; and when receiving a request to proceed with the payment process while receiving the payment code information from the simple payment server that has performed the user authentication process for the payment process using the payment code, after checking the validity of the received payment code information, the stored It may include; an approval request unit that transmits the key value of the payment code information to the VAN company server to request payment approval.

In addition, a simple payment method of a simple payment device according to an embodiment of the present invention includes the steps of: receiving order information received from an affiliated store server and generating payment code information including a key value; receiving scan information and payment method information from a user terminal device that scans a payment code in an affiliated store terminal device displayed using the payment code information; verifying the validity of the payment code information using the scan information; requesting payment progress confirmation to the user terminal device, and receiving a payment progress confirmation from the user terminal device; and transmitting the payment code information to the affiliated store server when the payment progress confirmation is received and requesting to proceed with the payment process between the affiliated store server and the VAN company. A key value can be used.

According to the payment process progress request, the key value is transmitted from the affiliated store server, which has confirmed the validity of the received payment code information, to the VAN company server, so that the payment process can be performed.

This technology enables offline mobile simple payment service without using a PG network even in a merchant environment without a scanner, thereby reducing merchant fees.

In addition, this technology can relieve the burden of having to sign a PG affiliate contract for the use of the PG network for existing offline payment merchants that have a simple payment method using the variable QR code of the MPM method.

In addition, this technology has the advantage that it does not require additional development for system application as it can utilize the payment approval section of the existing offline payment merchants with VAN companies.

In addition, the present technology can provide a more efficient simple payment service method to an affiliated store having a plurality of affiliated store terminal devices (such as a kiosk).

In addition, the present technology can satisfy not only versatility and efficiency, but also security.

1 is a diagram showing the overall configuration of a simple payment system according to an embodiment of the present invention.
2 is a diagram illustrating a detailed configuration of a simple payment device according to an embodiment of the present invention.
3 is a diagram illustrating a detailed configuration of a payment code generation/authentication processing unit according to an embodiment of the present invention.
4 is a diagram illustrating a detailed configuration of a payment processing unit according to an embodiment of the present invention.
5 is a flowchart illustrating the overall operation of the simple payment system according to an embodiment of the present invention over time.
6 is a flowchart illustrating the overall operation of the simple payment system according to an embodiment of the present invention over time.
7 is a diagram illustrating a detailed configuration of an affiliated store server according to an embodiment of the present invention.
8 is a flowchart illustrating a simple payment method of a simple payment device according to an embodiment of the present invention over time.
It is revealed that the accompanying drawings are exemplified by reference for understanding the technical idea of the present invention, and the scope of the present invention is not limited thereby.

In the following, the most preferred embodiment of the present invention is described. In the drawings, the thickness and the interval are expressed for convenience of description, and may be exaggerated compared to the actual physical thickness. In describing the present invention, well-known components that are not related to the gist of the present invention may be omitted. In adding reference numbers to the components of each drawing, it should be noted that only the same components are given the same number as possible even though they are indicated on different drawings.

1 is a diagram showing the overall configuration of a simple payment system 1 according to an embodiment of the present invention.

As shown in FIG. 1 , the simple payment system 1 includes a simple payment device 100 , an affiliated store server 200 , affiliated store terminal devices FT1 and FT2 , a VAN company server 300 , and card company servers CS1 . , CS2) and a user terminal device (MT).

The simple payment device, the affiliated store server, the bansa server, and the user terminal device are connected to each other through a network to exchange information. The network may be a wired/wireless communication network.

The simple payment device 100 may be a server. The simple payment device may be a server of a company (simple payment company) that provides a mobile simple payment service to the user USER through an application installed on the user terminal device MT. The simple payment device is also referred to as a simple payment server in the present invention.

The user terminal device may be a smart phone, a PDA, or the like.

The affiliated store server 200 is connected to a plurality of affiliated store terminal devices FT1 and FT2 through a network. The affiliate store server and affiliate store terminal devices may all be computers. The affiliated store server may control a plurality of affiliated store terminal devices.

For example, like a PC room, there are several computers FT1 and FT2, and the affiliated store central computer 200 connected to them through a network may be considered. Although only two affiliated store terminal devices connected to the affiliated store server are shown in the drawings, the present invention is not limited to the number.

The simple payment method according to an embodiment of the present invention will focus on an embodiment using a variable QR code of the MPM method. A one-dimensional barcode may be used instead of the QR code, and the present invention is not limited to the image form of the code.

For example, when a user places an order for something a user wants in a PC room (that is, when making an offline payment), the PC he is using presents a variable QR code with order information, and the user An example of paying on the spot with a phone (that is, when making a mobile simple payment) will be mainly described.

The simple payment service according to an embodiment of the present invention can be applied without limitation as long as it is a place where simple payment is provided, but it is particularly usefully applied when the affiliated store type includes several affiliated store terminal devices and an affiliated store server that controls them, such as a PC room. can That is, it can be usefully applied as a simple payment method when several users order a necessary product through an affiliated store terminal device that they are using among several affiliated store terminal devices.

The VAN company server 300 is connected to a plurality of card company servers CS1 and CS2 through a network. The card company server may be a server of a card company that issues credit or debit cards and manages members.

In the drawing, only two card company servers linked to the VAN company server are shown, but the present invention is not limited to the number.

The VAN company server performs a unique role for the VAN. When there is a request for payment approval from the affiliated store server, the card company server that allows the payment to be approved is accessed so that the corresponding payment can be processed.

At this time, if the PG company is involved, the bansa server will receive a payment approval request from the PG company and process the corresponding payment, but according to the embodiment of the present invention that does not use the PG network, the payment process between the merchant server and the VAN company can proceed like the existing offline payment method.

Hereinafter, the operation of the simple payment service according to an embodiment of the present invention will be described in more detail with reference to FIGS. 2 to 6 .

2 is a diagram illustrating a detailed configuration of a simple payment device 100 according to an embodiment of the present invention.

As shown in FIG. 2 , the simple payment device 100 includes a payment code generation/authentication processing unit 110 and a payment processing unit 130 .

The payment code generation/authentication processing unit 110 receives order information, generates payment code information, and performs a user authentication process for payment processing using the payment code information.

The payment code information includes a key value according to an embodiment of the present invention. The key value serves to mediate the payment code generation/authentication process and the subsequent payment process in the present invention. The key value generated in the initial stage of the entire process is used in the payment process between the affiliated store server and the VAN company corresponding to the later stage. Detailed description will be given later.

According to an embodiment of the present invention, the payment code may be a QR code. Therefore, the payment code information contains QR code information. It contains information for generating QR codes. The payment code information contains a key value.

The payment code generation/authentication processing unit 110 communicates with the affiliate store server 200 and receives order information to generate payment code information including a key value.

The order information is generated by the affiliated store terminal device (FT). It may be generated by any one of several affiliated store terminal devices.

The payment code generation/authentication processing unit 110 for the generated payment code information communicates with the user terminal device MT and performs a user authentication process for payment processing using the payment code information.

When the user authentication is completed, the payment processing unit 130 transmits the payment code information to the affiliated store server to proceed with the payment process between the affiliated store server and the VAN company based on the key value.

In the present invention, the term "payment process between the affiliated store server and the VAN company" may be used to emphasize that the PG network is not used. It can be used to emphasize that simple payments such as existing offline payments are made between VAN companies from merchant servers without PG networks. That is, it can be used to emphasize that simple payment is made by using the existing franchise-VAN section as it is.

According to an embodiment of the present invention, the operation of the payment code generation/authentication processing unit and the operation of the payment processing unit are asynchronous to each other. After all the operations of the payment code generation/authentication processing unit are performed, the operation of the payment processing unit is performed. Only the key value generated by the payment code generation/authentication processing unit is involved in the start of the operation of the payment processing unit.

Therefore, when user authentication is completed by the payment code generation/authentication processing unit, the affiliated store server 200 requests payment approval to the VAN company server 300 with the key value it has, thereby performing the payment process according to the embodiment of the present invention. . That is, the affiliated store server holds the key value and, when user authentication is completed, requests payment approval from the VAN company server with the key value.

Note that the key value is independently generated by the simple payment device regardless of the VAN company, but is used in the payment approval request section from the affiliated store server to the VAN company. This means that the simple payment method according to the embodiment of the present invention is applied as it is in the section between the existing affiliated store and the VAN company (that is, without additional development in the payment approval request section), which means that it can be used universally. This means that transaction confirmation and validation are possible efficiently without separate indexing for transaction number management. It means that it can satisfy both versatility/efficiency/security as it communicates directly with the simple payment device without intervening third parties in the N:1 and 1:1 communication with multiple merchant terminal devices and the merchant server. do. It means that the possibility of key value leakage can be fundamentally blocked and development is easy in an asynchronous way.

3 is a diagram illustrating a detailed configuration of the payment code generation/authentication processing unit 110 according to an embodiment of the present invention.

4 is a diagram illustrating a detailed configuration of the payment processing unit 130 according to an embodiment of the present invention.

5 and 6 are flowcharts illustrating the overall operation of the simple payment system according to an embodiment of the present invention over time. 5 to 6 are continuous.

First, referring to FIGS. 3 and 4 , the payment code generation/authentication processing unit 110 may include a generation unit 112 , an input unit 114 , a verification unit 116 , and a user authentication unit 118 . The payment processing unit 130 may include a requesting unit 131 , a response value receiving unit 133 , a checking unit 135 , a providing unit 137 , and a result transmitting and receiving unit 139 .

An operation for each component will be described in more detail with reference to FIGS. 5 and 6 .

Meanwhile, in FIGS. 5 and 6 , the simple payment server 100 is divided into two parts for convenience of explanation. A part referenced by reference numeral 101 is a main element that directly communicates with the affiliated store server and the user terminal device. A part referred to by reference numeral 102 is a sub-element that only works to receive payment-related information from the user terminal device. For convenience, the former is referred to as the first simple payment server 101 and the latter as the second simple payment server 102 . The present invention is not limited thereto, and the simple payment device may be a single element.

In addition, it is assumed that the payment code used for simple payment in FIGS. 5 and 6 is a QR code.

First, referring to FIG. 5 , order information is generated in the affiliated store terminal device (FT) (S11).

In FIGS. 5 and 6, the entire operation is described with reference to any one affiliated store terminal device, and reference numeral FT is used to represent FT1 or FT2.

For example, if a PC room user seated at seat number 56 places an order for 1 hour of usage time and 1 ramen, the order information generated by the merchant terminal device is 1 hour additional, 1 ramen, total 3,000 won, payment It may be created to include information such as means mobile simple payment, seat number 56, and affiliate number 1234.

The merchant server 200 receives the order information generated in this way (S12). The merchant server may store the received order information. The stored order information can be utilized in the process of matching with subsequent QR code information.

The affiliated store server requests generation of QR code information while transmitting the received order information to the first simple payment server 101 .

In response to the QR code information generation request, the generating unit 112 of the first simple payment server 101 generates QR code information including a key value (S13).

QR code information including the generated key value may be stored by being mapped with the received order information. That is, the first simple payment server may generate QR code information after storing the order information, map it with the order information and store it.

The key value may be content for generating a QR code.

The QR code information may further include information such as a URL and an affiliated store unique code.

The generated QR code information is returned to the affiliate store server 200 .

The affiliated store server 200 receives and stores the QR code information (S14).

The affiliated store server may store the received QR code information by mapping it with the received order information.

The stored QR code information may be used in a validation process to be described later.

The affiliated store server transmits the QR code information to the affiliated store terminal device (FT) that generated the corresponding order information. Since the order information includes the identification value of the affiliated store terminal device that generated the order information, it is possible to specify the target of delivery. By following the order information when requesting QR code information generation and when replying to the generated QR code information, the merchant server makes it possible to specify the order including the merchant terminal device identification value with the received QR code information.

The affiliated store terminal device (FT) generates a QR code image by using the received QR code information (S15).

A QR code image may be displayed through the display unit of the affiliated store terminal device.

Creating a QR code image with QR code information is also possible on the affiliated store server side. That is, the affiliate store server side may generate a QR code image in advance and then transmit it to the affiliate store terminal device. However, in the present invention, an embodiment in which the QR code image is generated by the affiliated store terminal device will be mainly examined.

Next, a user authentication process for making a payment using the corresponding QR code in the user terminal device MT is performed. As follows.

First, the user terminal device MT selects a payment method prior to scanning the QR code (S21).

Information on the payment method selected by the user (payment method information) is transmitted to the first simple payment server 101 .

The payment method information may include information regarding selection of any one of several payment methods previously registered by the user for use in simple payment. For example, it may include information about selecting any one of the company A credit card, the company B check card, and the company C rechargeable money registered in advance through the smartphone app. If you select Company A's credit card, the payment process is processed so that the payment proceeds using Company A's credit card. If Company C's rechargeable money is selected, payment is processed using Company C's rechargeable money.

In the present invention, the payment method information has meaning in distinguishing whether the payment method is an external means or an internal means. Recently, simple payment services are available not only through credit/debit cards issued by other financial companies, but also various types of rechargeable money provided by simple payment companies (Kakao Money, Toss Money, SSG Money, Naver Point, etc.) ), in order to proceed with the subsequent payment process differently depending on whether the payment method is an external means or an internal means.

The first simple payment server 101 stores the received payment method information (S22). The input unit 114 may perform this. That is, the input unit 114 may receive the payment method information from the user terminal device and store it.

In this case, the payment method information may be mapped to a user ID and stored. User ID_payment method information can be stored.

To this end, the user ID may be received from the user terminal device together with payment method information. Since the first simple payment server has previously performed user registration and card registration through the smartphone application through the user terminal device of the user who wants to use the simple payment service, it is possible to map the user ID to the payment method .

The stored payment method information is utilized in a payment process step to be described later.

Meanwhile, steps S21 to S22 may be performed after steps S23 to S24 to be described later. It is sufficient that the steps (S21 to S22) of generating and storing payment method information are performed only before using them (eg, only before the payment information storage step (S26)).

Subsequently, the user terminal device MT scans the QR code (S23).

QR code scan information is generated by the user terminal device, and is transmitted from the user terminal device (MT) to the second simple payment server (102). The input unit 114 may be involved. That is, the input unit 114 may receive the scan information from the user terminal device and store it.

The second simple payment server 102 verifies the received scan information (S24). The verification unit 116 is involved.

Step S24 may include determining whether the code format is valid.

After verifying whether the code format is valid, the verification result is transmitted to the first simple payment server 101, and a code validation process by the first simple payment server 101 is performed (S25). The verification unit 116 is involved.

Step (S25) is the process of determining whether the code of the scan information is the code issued by the simple payment server, whether it is a code that has already been paid, or whether it is a code within an effective time (eg, 150 seconds) from the time of code generation. may include The second simple payment server 102 may participate in these processes together.

After the QR code validity is verified by the above steps, the first simple payment server 101 performs the mapping process once again (S26).

In detail, the information of user ID_payment means mapped in the above-described step (S22) is further mapped to the validated QR code information. That is, information such as QR code information_user ID_payment means can be stored. This information is referred to as payment information.

Subsequently, the first simple payment server 101 requests payment progress confirmation from the user terminal device MT.

The payment progress confirmation request corresponds to the end-user authentication process as to whether it is possible to proceed with the payment for the order with the corresponding QR code.

The user terminal device MT that has received the payment processing request performs a process of generating a payment history page (S27).

In this case, the user terminal device may receive the URL for generating the payment details page from the second simple payment server 102 . The second simple payment server may generate a URL and instruct the user terminal device to open a corresponding page. In this case, the content to be displayed on the payment details page may be received from the first simple payment server 101 .

The payment details page is provided to the user through the display unit of the user terminal device, and the user finally confirms the payment details. For confirmation, a security release process such as password input by the user, bio-authentication, and face recognition may be performed. This is to receive payment progress confirmation from true users who are willing to pay.

That is, the first simple payment server 101 receives a payment progress confirmation from the user terminal device (MT) (S28).

Receiving such a payment progress confirmation does not require any encryption/decryption process, and corresponds to a process of confirming only the payment intention from the true user. Note that security is secured since verification of whether the QR code scanned by the user is valid is already completed.

Upon receiving the payment progress confirmation, the first simple payment server may communicate with the user terminal device to close the payment details page.

The above-described steps S27 to S28 may be performed by the user authentication unit 118 .

Hereinafter, the payment process between the affiliated store server and the VAN company proceeds.

That is, the payment process proceeds by transmitting QR code information from the first simple payment server 101 that has received the payment progress confirmation to the affiliate store server 200 .

In detail, the affiliated store server 200 that has received the request for proceeding the payment process together with the QR code information from the first simple payment server simply replies that the request has been normally received through the response value, and proceeds with the payment process (S31).

Transmitting the QR code information to the merchant server and requesting the payment process to proceed may be performed by the requesting unit 131 of the payment processing unit 130 . This may be performed by the response value receiving unit 133 of the payment processing unit 130 receiving the response value.

In response to the payment process request, the affiliated store server 200 checks the validity of the received QR code information (S32).

The affiliated store server may use the QR code information received and stored in step S14 for validation. The validity can be checked from whether the QR code information stored in the step (S14) and the QR code information received in the step (S31) match.

The affiliated store server 200, which has completed validation, transmits the key value held by the VAN company server 300 to request payment approval.

At this time, the transmitted key value is the key value that the affiliated store server has received in step S14 and held in advance. That is, the affiliated store server holds the key value and requests payment approval from the bansa with the key value after user authentication is completed.

Thereafter, the bansa server 300 proceeds with a payment approval procedure (S33).

As such, according to an embodiment of the present invention, the payment process is performed by transferring the key value from the affiliated store server to the bansa server.

Hereinafter, a process in which payment is completed from the payment approval procedure will be described in more detail with reference to FIG. 6 .

The bansa server 300 receiving the key value requests confirmation of payment method information corresponding to the key value to the first simple payment server 101 .

The first simple payment server 101 matches the key value received from the bansa server with the payment information generated in step S26 to confirm what payment method corresponds to the key value (S34 and S35).

Specifically, it is checked whether it is an external payment method or an internal payment method.

Steps S34 and S35 may be performed by the confirmation unit 135 of the payment processing unit 130 .

As a result of checking in step S35, if it is an external payment method (such as a credit card from another financial company), the VAN company notifies the external payment method, and the VAN company communicates with the external card company server (such as CS1 or CS2) and approves the same card as before It allows the process to proceed (S36).

To this end, the first simple payment server 101 may obtain a one-time code enabling payment by the corresponding payment method from an external card company server (such as CS1 or CS2) and provide it to the VAN company server 300 . The providing unit 137 of the payment processing unit 130 may perform this.

As a result of checking in step S35, if it is an internal payment method (such as a simple payment company's own rechargeable money), the internal payment process is carried out by itself (S37), and the VAN company notifies that the internal payment has been completed, and the VAN company communicates with the external card company server It allows you to create payment approval results right away without communication.

The providing unit 137 of the payment processing unit 130 may be involved in providing a notification that the internal payment has been completed.

Even when the step S36 is completed, the VAN company receives a notification from the external card company server that the external payment has been completed and generates a payment approval result (S38) is the same.

As such, when the payment is completed by the external or internal payment means, the VAN company server 300 generates a payment approval result (S38), and transmits it to the affiliated store server 200 and the first simple payment server 101.

The affiliated store server 200 that has received the payment approval result transmits the payment approval result to the affiliate store terminal device FT so that the corresponding payment can be displayed through the display unit of the affiliate store terminal device (S39 and S40).

The first simple payment server 101 receiving the payment approval result transmits the payment approval result to the user terminal device MT so that the corresponding payment can be displayed through the display unit of the user terminal device (S41 to S43) . The result transmission/reception unit 139 of the payment processing unit 130 may be involved in the reception and transmission of the payment approval result.

The above-described steps (S11 to S15) correspond to a process (QR code generation process) of generating an MPM-type DQR code according to order information according to communication between the affiliated store server and the simple payment server.

The above-described steps (S21 to S28) correspond to the verification and user authentication process (QR code authentication process) of the DQR code to be used for payment according to the communication between the user terminal and the simple payment server.

The above-described steps (S31 to S38) correspond to a process (payment process) in which actual payment is processed according to communication between the affiliated store server and the bansa server.

Note that the steps S11 to S28 performed for the QR code generation/authentication process are asynchronous to the steps S31 to S38 performed for the payment process.

7 is a diagram illustrating a detailed configuration of an affiliated store server 200 according to an embodiment of the present invention.

7 , the affiliate store server 200 may include a communication unit 210 , a storage unit 220 , and an approval request unit 230 .

The communication unit 210 transmits the order information received from any one of the affiliated store terminal devices FT among the plurality of affiliated store terminal devices FT1 and FT2 to the simple payment server 100, receives the order information, and includes a key value The payment code information is received from the simple payment server 100 that has generated the payment code information.

The storage unit 220 stores the received payment code information.

It corresponds to the role of the affiliate store server in steps S11 to S15 described above in FIG. 5 . A more detailed description will be omitted.

When the approval request unit 230 receives payment code information from the simple payment server 100 that has performed the user authentication process for the payment process using the payment code and receives a request to proceed with the payment process, the validity of the received payment code information After confirming, the key value of the stored payment code information is transmitted to the VAN company server to request payment approval.

As it corresponds to the role of the affiliate store server in the steps S31 to S33 described above in FIG. 5, a more detailed description will be omitted.

8 is a flowchart illustrating a simple payment method of a simple payment device according to an embodiment of the present invention over time.

As shown in FIG. 8 , the simple payment method of the simple payment device includes a generating step (S810), an input receiving step (S820), a verifying step (S830), a receiving step (S840), a requesting step (S850) , receiving a response value (S860), confirming (S870), providing (S880), receiving a payment approval result (S890), and transmitting the payment approval result (S900). have.

In step S810, order information is received from the affiliated store server and payment code information including a key value is generated.

In step S820, scan information and payment method information are received from a user terminal device that scans a payment code in an affiliated store terminal device displayed using the payment code information.

In step S830, the validity of the payment code information is verified using the scan information.

In step S840, when the scan information matches the payment code information, a payment progress confirmation is requested from the user terminal device, and a payment progress confirmation is received from the user terminal device.

In step S850, when the payment progress confirmation is received, the payment code information is transmitted to the affiliated store server and a payment process between the affiliated store server and the VAN company is requested.

In step S860, a response value is received from the affiliated store server that has normally received the request for proceeding with the payment process.

In step S870, the payment method information corresponding to the key value is checked according to the request of the VAN company server that has received the key value.

In step S880, if the confirmation result is an external payment method, a one-time code that enables payment by the confirmed payment method is obtained from the external card company server and provided to the VAN company server, and if the confirmation result is an internal payment method, the A notification that the internal payment by the confirmed payment method has been completed is provided to the VAN company server.

In step S890, the external card company server is connected to receive a payment approval result generated from the VAN company server that has been approved for the payment or has received the notification.

In step S900, the payment approval result is transmitted to the user terminal device.

The above-described payment code generation/authentication processing unit 110 may perform steps S810 to S840.

The above-described payment processing unit 130 may perform steps S850 to S900.

The embodiments of the simple payment method of the simple payment device according to the present invention have been described so far, and the configuration of the simple payment system 1 described above with reference to FIGS. 1 to 7 is also applicable to this embodiment as it is. Accordingly, a more detailed description will be omitted.

In addition, the embodiments of the present invention may be implemented in the form of program instructions that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded on the medium may be specially designed and configured for the present invention, or may be known and available to those skilled in the art of computer software. Examples of the computer-readable recording medium include magnetic media such as hard disks, floppy disks and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic such as floppy disks. - Examples of program instructions such as magneto-optical and ROM, RAM, and flash memory can be executed by a computer using an interpreter as well as machine code such as those created by a compiler. contains high-level language codes. The hardware device described above may be configured to operate as at least one software module to perform the operations of the embodiments of the present invention, and vice versa.

As described above, the present invention has been described with specific matters such as specific components and limited embodiments and drawings, but these are provided to help a more general understanding of the present invention, and the present invention is not limited to the above embodiments. , various modifications and variations are possible from these descriptions by those of ordinary skill in the art to which the present invention pertains. Therefore, the spirit of the present invention should not be limited to the described embodiments, and not only the claims to be described later, but also all those with equivalent or equivalent modifications to the claims will be said to belong to the scope of the spirit of the present invention. .

1: Easy payment system
100: easy payment device
110: payment code generation/authentication processing unit
112: generator
114: input unit
116: verification unit
118: user authentication unit
130: payment processing unit
131: request
133: response value receiving unit
135: confirmation unit
137: provider
139: result transmitting and receiving unit
200: Merchant Server
210: communication department
220: storage
230: Approval request unit
300: VAN company server
FT1, FT2, FT: Merchant terminal device
MT: User terminal device
SC1, SC2 : Card company server

Claims (12)

As a simple payment device connected through a network with an offline merchant server,
A payment code generation/authentication processing unit that communicates with the affiliated store server and receives order information to generate payment code information including a key value, communicates with a user terminal device, and performs a user authentication process for payment processing using the payment code information -The order information is generated by any one of a plurality of affiliated store terminal devices connected to the affiliated store server through a network and transmitted to the affiliated store server, and includes an affiliated store terminal device identification value; and
When the user authentication is completed, the payment processing unit transmits the payment code information to the affiliated store server to proceed with the payment process between the affiliated store server and the VAN company based on the key value;
The affiliated store server checks the validity by comparing the payment code information received from the payment processing unit with the payment code information generated by the payment code generation/authentication processing unit, and the key value of the payment code information whose validity is confirmed is the affiliated store server The payment process between the affiliated store server and the VAN company is carried out by being transferred from the
The affiliated store server analyzes the order information to identify the affiliated store terminal device that has delivered the order information among the plurality of affiliated store terminal devices, and transmits the payment code information to the identified affiliated store terminal device, whereby the identified affiliated store terminal The device acquires payment code scan information for the user authentication process from the user terminal device that has scanned it by displaying the payment code using the received payment code information,
The payment code generation/authentication processing unit,
a generator for generating the payment code information;
an input unit for receiving scan information and payment method information from a user terminal device that scans a payment code in an affiliated store terminal device displayed using the payment code information;
a verification unit that verifies the validity of the payment code information using the scan information; and
A user authentication unit that requests payment progress confirmation to the user terminal device and receives a payment progress confirmation from the user terminal device;
Reception of the payment progress confirmation by the user authentication unit,
It is made as a security release process of at least one of password input, bio-authentication, and face recognition by a true user willing to pay is performed through the payment details page generated by the user terminal device that has been requested to confirm the payment progress, It does not require any encryption/decryption process to receive payment confirmation.
The payment processing unit, when the payment progress confirmation is received, transmits the payment code information to the affiliated store server and requests the payment process to proceed, so that the payment process between the affiliated store server and the VAN company based on the key value proceeds immediately A simple payment device that features. delete According to claim 1,
The payment processing unit,
When the payment progress confirmation is received, the request unit transmits the payment code information to the affiliate store server and requests the payment process progress;
The simple payment device, characterized in that the payment process proceeds by transferring the key value from the affiliated store server that has confirmed the validity of the received payment code information to the VAN company server in response to the payment process progress request. 4. The method of claim 3,
The simple payment device further comprising a; a response value receiving unit for receiving a response value from the affiliated store server that has normally received the payment process progress request. 4. The method of claim 3,
The payment processing unit,
a confirmation unit for confirming the payment method information corresponding to the key value according to the request of the VAN company server that has received the key value; and
As a result of the confirmation, in the case of an external payment method, a one-time code that enables payment by the confirmed payment method is obtained from the external card company server and provided to the VAN company server. The simple payment device further comprising a; providing unit for providing a notification that the internal payment by the VAN is completed to the server. 6. The method of claim 5,
The payment processing unit,
Further comprising; a result transmitting/receiving unit for accessing the external card company server and receiving a payment approval result generated from the VAN company server that has approved the payment or has received the notification, and transmits the payment approval result to the user terminal device; Simple payment device, characterized in that. 7. The method of claim 6,
The merchant server completes the payment when the payment approval result is received from the VAN company server,
The affiliated store server analyzes the payment code information, and when the payment approval result is received within an effective time defining an activation time of the key value, the payment device is characterized in that it completes the payment. According to claim 1,
The affiliated store server analyzes the payment code information and transmits the payment code information to the one of the affiliated store terminal devices. According to claim 1,
The payment code is a simple payment device, characterized in that the MPM type variable QR code. As an offline affiliated store server connected through a network with a number of affiliated store terminal devices,
Transmitting the order information generated and delivered from any one of the affiliated store terminal devices among the plurality of affiliated store terminal devices to a simple payment server, the order information including the affiliated store terminal device identification value-, receiving the order information and receiving the key value a communication unit for receiving the payment code information from the simple payment server that has generated payment code information including;
a storage unit for storing the received payment code information; and
When receiving a request to proceed with the payment process while receiving the payment code information from the simple payment server that has performed the user authentication process for the payment process using the payment code, the stored payment after confirming the validity of the received payment code information An approval request unit that transmits the key value of the code information to the VAN company server to request payment approval;
The approval request unit performs the validation check by comparing the received payment code information with the stored payment code information,
By analyzing the order information, an affiliated store terminal device that has delivered the order information among the plurality of affiliated store terminal devices is identified, and the payment code information is transmitted to the identified affiliated store terminal device, whereby the identified affiliated store terminal device is transmitted The payment code is displayed using the received payment code information, and the simple payment server obtains payment code scan information for the user authentication process from the user terminal device that scanned it,
The simple payment server,
a generator for generating the payment code information;
an input unit for receiving scan information and payment method information from a user terminal device that scans a payment code in an affiliated store terminal device displayed using the payment code information;
a verification unit that verifies the validity of the payment code information using the scan information; and
A user authentication unit that requests payment progress confirmation to the user terminal device and receives a payment progress confirmation from the user terminal device;
Reception of the payment progress confirmation by the user authentication unit,
It is made as a security release process of at least one of password input, bio-authentication, and face recognition by a genuine user willing to pay is performed through the payment details page generated by the user terminal device for which the payment progress confirmation has been requested, It does not require any encryption/decryption process to receive payment confirmation.
When receiving a request to proceed with the payment process together with the transmission of the payment code information from the simple payment server that has received the payment progress confirmation, the validity of the received payment code information is checked and the key value of the stored payment code information is set to the VAN By transferring to the company server, the merchant server, characterized in that the payment process between the merchant server and the VAN company based on the key value proceeds immediately. As a simple payment method of a simple payment device,
Receiving order information from an offline affiliated store server and generating payment code information including a key value - The order information is generated by any one of a plurality of affiliated store terminal devices connected to the affiliated store server through a network and sent to the affiliated store server transmitted, and includes an identification value of the affiliated store terminal device;
receiving scan information and payment method information from a user terminal device that scans a payment code in an affiliated store terminal device displayed using the payment code information;
verifying the validity of the payment code information using the scan information;
requesting payment progress confirmation to the user terminal device, and receiving a payment progress confirmation from the user terminal device; and
When the payment progress confirmation is received, transmitting the payment code information to the affiliated store server and requesting to proceed with the payment process between the affiliated store server and the VAN company; including,
In the course of the payment process, the key value is used for payment approval,
The payment process proceeds by transferring the key value from the affiliated store server that has confirmed the validity of the received payment code information to the VAN company server according to the payment process request, and the affiliated store server generates the received payment code information Check the validity by comparing it with the payment code information generated in the step of
The affiliated store server analyzes the order information to identify the affiliated store terminal device that has delivered the order information among the plurality of affiliated store terminal devices, and transmits the payment code information to the identified affiliated store terminal device, whereby the identified affiliated store terminal The device displays a payment code using the received payment code information, and in the receiving step, the scan information is input from the user terminal device that scanned it,
Receiving the payment progress confirmation in the receiving step,
It is made as a security release process of at least one of password input, bio-authentication, and face recognition by a true user willing to pay is performed through the payment details page generated by the user terminal device that has been requested to confirm the payment progress, It does not require any encryption/decryption process to receive payment confirmation.
When the payment progress confirmation is received in the requesting step, the payment process between the affiliate store server and the VAN company based on the key value is immediately performed by transmitting the payment code information to the affiliate store server and requesting the payment process progress A simple payment method that features. a plurality of affiliated store terminal devices;
an offline affiliated store server connected to the affiliated store terminal devices through a network;
a simple payment server connected to the affiliated store server through a network;
a VAN company server connected to the simple payment server through a network;
a card company server connected to the VAN company server through a network; and
A user terminal device connected to the simple payment server through a network; including,
The merchant server,
Transmitting the order information generated and delivered from any one of the affiliated store terminal devices among the plurality of affiliated store terminal devices to the simple payment server, the order information including the affiliated store terminal device identification value-, receiving the order information a communication unit for receiving the payment code information from the simple payment server that has generated payment code information including a key value;
a storage unit for storing the received payment code information; and
When receiving a request to proceed with the payment process while receiving the payment code information from the simple payment server that has performed the user authentication process for the payment process using the payment code, the stored payment after confirming the validity of the received payment code information Including; but, including;
The approval request unit performs the validation check by comparing the received payment code information with the stored payment code information,
By analyzing the order information, an affiliated store terminal device that has delivered the order information among the plurality of affiliated store terminal devices is identified, and the payment code information is transmitted to the identified affiliated store terminal device, whereby the identified affiliated store terminal device is transmitted The payment code is displayed using the received payment code information, and the simple payment server obtains payment code scan information for the user authentication process from the user terminal device that has scanned it,
The simple payment server,
a generator for generating the payment code information;
an input unit for receiving scan information and payment method information from a user terminal device that scans a payment code in an affiliated store terminal device displayed using the payment code information;
a verification unit that verifies the validity of the payment code information using the scan information; and
A user authentication unit that requests payment progress confirmation to the user terminal device and receives a payment progress confirmation from the user terminal device;
Reception of the payment progress confirmation by the user authentication unit,
It is made as a security release process of at least one of password input, bio-authentication, and face recognition by a true user willing to pay is performed through the payment details page generated by the user terminal device that has been requested to confirm the payment progress, It does not require any encryption/decryption process to receive payment confirmation.
When the merchant server receives a request to proceed with the payment process while receiving the payment code information from the simple payment server that has received the payment progress confirmation, after confirming the validity of the received payment code information, the stored payment code information By transferring the key value to the VAN company server, the simple payment system, characterized in that the payment process between the affiliated store server and the VAN company based on the key value proceeds immediately.

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