KR102421860B1 - A system that provides an O2O integrated payment service platform and an O2O integrated payment method using it - Google Patents

Abstract

The O2O integrated payment system using the O2O integrated payment service platform according to an embodiment of the present invention receives a one-time credit card number using the O2O electronic payment platform, and uses the one-time credit card number to pay for online or offline products a customer terminal requesting; a payment web server or sales terminal that requests payment approval of the one-time credit card number to a VAN server in order to process a sale amount of an online product or an offline product with the one-time credit card number provided by the customer terminal; a VAN server for transmitting a payment approval request of the one-time credit card number of the payment web server or the sales terminal to the server of the corresponding card company; and a card company server that pays a payment to a designated account of the payment web server or the sales terminal in response to a payment approval request of the one-time credit card number transmitted from the VAN server.

Description

A system that provides an O2O integrated payment service platform and an O2O integrated payment method using it}

The present invention relates to an O2O integrated payment system using an O2O integrated payment service platform and an O2O integrated payment method using the same.

1 is a flowchart for explaining the conventional on/offline card payment processing. Referring to FIG. 1, in the current online transaction, the card approval payment is made with the payment module of the PG company and the affiliated store number of the PG company. There are structural problems such as high payment agency fees (1.8~5%), long payment cycles (usually 5~15 days), and direct affiliate marketing with credit card companies. As payment with Manetak cards is possible, the risk of credit card number duplication and hacking still exists, and problems between card companies and members due to the risk of card loss also exist.

Registered Patent No. 10-0802760 (Title of the invention: Credit card payment approval processing method and system, and payment approval processing server and recording medium for the same)

An object to be solved by the present invention is to provide an O2O integrated payment system using an O2O integrated payment service platform that can solve conventional problems and an O2O integrated payment method using the same.

delete

The O2O integrated payment method using the O2O integrated payment service platform according to another embodiment of the present invention for solving the above problems is an O2O integrated payment method operated by a platform operation server in a customer terminal for product payment to a payment terminal of an offline store (merchant) requesting a one-time credit card number issuance from a credit card company through an integrated payment service platform; issuing a one-time credit card number from the card company to the customer terminal; generating a QR code or NFC tag of the one-time credit card number in the O2O integrated payment service platform; reading or tagging the QR code or the NFC tag in the payment terminal, extracting the one-time credit card number from the payment terminal, and requesting approval for payment to a VAN server; transmitting the one-time credit card number to the credit card company in an approval request message transmitted from the payment terminal in the VAN server, and then requesting payment approval; Approving the payment of the payment amount paid by the one-time credit card number by the card company, wherein the customer terminal presents the one-time credit card number during online payment, and a QR code or NFC tag during offline payment Present a one-time credit card number to an offline sales terminal through And, the O2O integrated payment service platform includes a product order interface for searching and selecting product information for an affiliated online store; and a payment interface for selecting a payment method, online and offline payment method, card company type, and issuance of a one-time credit card number, wherein the platform operation server is configured by age based on the payment details of customers using the O2O integrated payment service platform It is characterized in that it provides statistics of product order types by region and season, and manages and provides company information of affiliated affiliated stores (online and offline product stores), web pages of companies, and sales product information.

delete

The O2O integrated payment platform service system according to an embodiment of the present invention for solving the above problems is issued a one-time credit card number using the O2O integrated payment service platform, and an online store or an offline store using the one-time credit card number a customer terminal requesting payment processing for the product to be purchased; a payment web server or offline sales terminal that requests payment approval of the one-time credit card number to a VAN server in order to process a sale amount of an online product or an offline product with the one-time credit card number provided by the customer terminal; a VAN server for transmitting a payment approval request of the one-time credit card number of the payment web server or the sales terminal to the server of the corresponding card company; a card company server that pays a payment amount to a designated account of the payment web server or sales terminal according to a payment approval request of the one-time credit card number transmitted from the VAN server; and a platform operating server operating the O2O integrated payment service platform; wherein the customer terminal presents the one-time credit card number during online payment, and sends it to an offline sales terminal through a QR code or NFC tag during offline payment. Present a one-time credit card number, store the credit card number issued by the card company, provide authentication information to prove the owner of the credit card number when requesting a one-time credit card number issuance, and provide the O2O integrated payment service The platform includes a product order interface for searching and selecting product information for affiliated online stores; and a payment interface for selecting a payment method, online and offline payment method, card company type, and issuance of a one-time credit card number, wherein the platform operation server is configured by age based on the payment details of customers using the O2O integrated payment service platform It provides statistics on product order types by region and season, and manages and provides company information of affiliated affiliated stores (online and offline product stores), web pages of companies, and sales product information.

Therefore, if the O2O integrated payment method using the O2O integrated payment service platform according to an embodiment of the present invention is used, the credit card merchant number of the offline store, not the PG affiliated store number, is converted into a payment module on the platform, and a credit card like offline transaction is used. By requesting payment approval from the credit card company through the VAN company, and allowing stores and consumers to make direct transactions without PG intermediary online as well, various problems in online transactions due to the PG company intermediary and hardware such as real cards, checkers, and POS The transaction problems of offline stores due to transactions through the company's O2O integrated payment module can be used conveniently regardless of online and offline areas, and there is an advantage that existing problems can be solved at once.

1 is a flowchart for explaining a conventional on/offline card payment process.
2 is a block diagram illustrating an O2O integrated payment system using an O2O integrated payment service platform according to an embodiment of the present invention.
3 is an exemplary diagram of a detailed configuration of the platform management server shown in FIG. 1 .
4 and 5 are flowcharts illustrating an O2O integrated payment method using the O2O integrated payment service platform according to an embodiment of the present invention.
6 and 7 are flowcharts illustrating an O2O integrated payment method using an O2O integrated payment service platform according to another embodiment of the present invention.
8 is an exemplary view showing an execution screen of the O2O integrated payment service platform executed in the customer terminal.
9A to 9H are exemplary views showing an execution screen of the O2O integrated payment service platform executed in the offline merchant terminal.
10 illustrates an example computing environment in which one or more embodiments disclosed herein may be implemented.

Hereinafter, various embodiments of the present specification are described with reference to the accompanying drawings. However, it is to be understood that the technology described herein is not limited to specific embodiments, and includes various modifications, equivalents, and/or alternatives of the embodiments of the present specification. . In connection with the description of the drawings, like reference numerals may be used for like components. In the present specification, expressions such as “have,” “may have,” “include,” or “may include” indicate the presence of a corresponding characteristic (eg, a numerical value, function, operation, or component such as a part). and does not exclude the presence of additional features.

In this specification, expressions such as “A or B,” “at least one of A and/and B,” or “one or more of A or/and B” may include all possible combinations of the items listed together. . For example, "A or B," "at least one of A and B," or "at least one of A or B" means (1) includes at least one A, (2) includes at least one B; Or (3) it may refer to all cases including both at least one A and at least one B.

As used herein, expressions such as "first," "second," "first," or "second," can modify various elements, regardless of order and/or importance, and refer to one element. It is used only to distinguish it from other components, and does not limit the components. For example, the first user equipment and the second user equipment may represent different user equipment regardless of order or importance. For example, without departing from the scope of the rights described in this specification, a first component may be referred to as a second component, and similarly, the second component may also be renamed as a first component.

A component (eg, a first component) is "coupled with/to (operatively or communicatively)" to another component (eg, a second component) When referring to "connected to", it will be understood that the certain element may be directly connected to the other element or may be connected through another element (eg, a third element). On the other hand, when it is said that a component (eg, a first component) is "directly connected" or "directly connected" to another component (eg, a second component), the component and the It may be understood that other components (eg, a third component) do not exist between other components.

As used herein, the expression "configured to (or configured to)" depends on the context, for example, "suitable for," "having the capacity to ," "designed to," "adapted to," "made to," or "capable of." The term “configured (or configured to)” may not necessarily mean only “specifically designed to” in hardware. Instead, in some circumstances, the expression “a device configured to” may mean that the device is “capable of” with other devices or parts. For example, the phrase “a processor configured (or configured to perform) A, B, and C” refers to a dedicated processor (eg, an embedded processor) for performing the operations, or by executing one or more software programs stored in a memory device. , may mean a generic-purpose processor (eg, a CPU or an application processor) capable of performing corresponding operations.

The terms used herein are used only to describe specific embodiments, and may not be intended to limit the scope of other embodiments. The singular expression may include the plural expression unless the context clearly dictates otherwise. Terms used herein, including technical or scientific terms, may have the same meanings as commonly understood by one of ordinary skill in the art described herein. Among the terms used in this specification, terms defined in a general dictionary may be interpreted with the same or similar meaning as the meaning in the context of the related art, and unless explicitly defined in the present specification, have ideal or excessively formal meanings. is not interpreted as In some cases, even the terms defined in this specification cannot be construed to exclude the embodiments of the present specification.

Hereinafter, an O2O integrated payment system and method using the O2O integrated payment service platform according to an embodiment of the present invention will be described in more detail based on the accompanying drawings.

2 is a block diagram illustrating an O2O integrated payment system using an O2O integrated payment service platform according to an embodiment of the present invention, and FIG. 3 is an exemplary diagram of a detailed configuration of the platform management server shown in FIG. 1 .

2 and 3, the O2O integrated payment system 100 according to an embodiment of the present invention is a customer terminal 200, an offline sales terminal or a payment web server 300, and a platform management server 400. , including a VAN server 500 and a card company server 600 .

Each of the components 200 , 300 , 400 , 500 , and 600 are generally connected through a network.

Here, the network refers to a connection structure capable of exchanging information between each node such as a plurality of terminals and servers, and examples of such networks include RF, 3rd Generation Partnership Project (3GPP) network, Long Term Evolution (LTE). ) network, 5GPP (5th Generation Partnership Project) network, WIMAX (World Interoperability for Microwave Access) network, Internet, LAN (Local Area Network), Wireless LAN (Wireless Local Area Network), WAN (Wide Area Network), PAN (Personal Area Network), Bluetooth (Bluetooth) network, NFC network, satellite broadcasting network, analog broadcasting network, DMB (Digital Multimedia Broadcasting) network, etc. include, but are not limited thereto.

In the following, the term at least one is defined as a term including the singular and the plural, and even if at least one term does not exist, each component may exist in the singular or plural, and may mean the singular or plural. it will be self-evident In addition, whether each component is provided in singular or plural will be changeable according to the embodiment.

On the other hand, the O2O integrated payment service platform 10 is a platform for processing on/offline product payment, and may be a platform installed in a customer terminal, a payment web server that processes on/offline payment, or an offline sales terminal.

The customer terminal and the offline sales terminal are terminals capable of installing or opening the O2O integrated payment service platform 10 (application, program, app page, web page, etc.), and a service program using a script executed in a web browser It may be a terminal that can be driven.

Here, the web browser is a program that enables the use of a web (world wide web) service, and refers to a program that receives and displays hypertext written in HTML (hyper text mark-up language), for example, Netscape , Explorer, and Chrome. In addition, the application means an application on the terminal, for example, includes an app (app) executed in a mobile terminal (smartphone).

The terminals mentioned herein are a smart phone, a portable terminal, a mobile terminal, a foldable terminal, a personal digital assistant (PDA), a portable terminal (PMP). Multimedia Player) terminal, telematics terminal, navigation terminal, personal computer, notebook computer, slate PC, tablet PC, ultrabook, wearable device ( Wearable Device, for example, watch-type terminal (Smartwatch), glass-type terminal (Smart Glass), HMD (Head Mounted Display), etc.), Wibro (Wibro) terminal, IPTV (Internet Protocol Television) terminal, smart TV, digital It can be applied to various terminals such as a broadcasting terminal, an AVN (Audio Video Navigation) terminal, an A/V (Audio/Video) system, a flexible terminal, and a digital signage device.

The customer terminal 200 receives a one-time credit card number using the O2O integrated payment service platform 10, and requests payment processing for a product to be purchased at an online or offline store with the one-time credit card number. can be

The customer terminal 200 may generate an NFC tag or QR code including a one-time credit card number using the O2O integrated payment service platform 10 when paying for a product in an offline store, and the offline sales terminal ( 300) receives the one-time credit card number by performing a tagging or reading process of the NFC tag or QR code using an O2O electronic payment platform.

For reference, the customer terminal 200 stores the credit card number issued by the card company, and provides authentication information that can prove the owner of the credit card number when a one-time credit card number issuance is requested. Here, the authentication information may be different according to the identity authentication confirmation policy of the corresponding card company.

On the other hand, the customer terminal 200 requests and receives a one-time credit card number issuance using the O2O integrated payment service platform 10 when paying for a product in an offline store, and then receives an NFC tag including a one-time credit card number. Alternatively, a QR code can be generated and provided to a sales terminal of an offline store, and the sales terminal 300 uses the O2O integrated payment service platform (for stores) to perform a one-time tagging or reading process of an NFC tag or QR code. You can receive a credit card number.

That is, the customer terminal 200 may provide a one-time credit card number during online payment, and may provide a one-time credit card number to the offline sales terminal through an OR code or NFC tag during offline payment.

In other words, the O2O integrated payment service platform 10 disclosed herein can be used for face-to-face and non-face-to-face payment.

Next, the payment web server or the offline sales terminal 300 is a one-time credit card number provided by the customer terminal 200 to the VAN server to process the sales amount of the online product or the offline product with the one-time credit card number. It may be a configuration to request payment approval of

For reference, the payment web server or offline sales terminal 300 may be a payment device of an on/offline affiliated store with the O2O integrated payment platform service of the present application.

The VAN server 400 may be a medium that transmits a one-time credit card number payment approval request from the payment web server or the sales terminal to the server of the corresponding card company.

The card company server 500 checks the issuance status of the one-time credit card number when requesting payment approval of the one-time credit card number transmitted from the VAN server 400, and when the one-time credit card number is a valid number, the payment web server Alternatively, it may be configured to pay the payment to a designated account of the sales terminal.

Next, the platform operation server 600 is a server that operates the O2O integrated payment service platform. When a one-time credit card number issuance request of the customer terminal 200 is requested, the card company based on the validity information of the credit card number stored in the customer terminal may be configured to request issuance of a one-time credit card number.

In addition, the platform operation server 600 may be configured to transmit a one-time credit card number payment authorization request to the VAN server when a one-time credit card number payment authorization is requested from a payment web server or an offline sales terminal.

In addition, when the platform operation server 600 receives a request for issuance of a one-time credit card number required for product payment in an offline store from the customer terminal 200, it generates and provides an NFC tag or QR code containing a one-time credit card number. can be configuration.

More specifically, the platform operation server 600 includes a platform providing unit 610 , a customer management unit 620 , an affiliated store management unit 630 , a customer payment processing unit 640 , and an affiliated store payment processing unit 650 .

The platform providing unit 610 functions to provide an O2O integrated payment service platform (app).

The O2O integrated payment service platform 10 may include applications, programs, web pages, etc. installed or driven in a payment web server or an offline sales terminal of a customer terminal and an affiliated store through a network.

Here, the web browser is a program that enables the use of a web (World Wide Web) service, and refers to a program that receives and displays hyper text described in HTML (hyper text mark-up languge), for example, Netscape (Netscape). ), Explorer, and Chrome.

In addition, the application means an application on the terminal, for example, includes an app (app) executed in a mobile terminal (smartphone). Apps can be downloaded and installed from the application market, a virtual marketplace where mobile content can be freely bought and sold.

The O2O integrated payment service platform 10 includes a product order interface for searching and selecting product information for online stores (eg, restaurants, shopping malls, etc.) affiliated with the O2O integrated electronic payment service.

The O2O integrated payment service platform 10 includes a payment interface for paying for the online product selected through the product order interface.

The payment interface provides a service for selecting a payment method, a payment method, a card company, and issuance of a one-time credit card number.

As an example, the payment method includes any one of one-time credit card issuance (Bachelain Pay), credit card payment, Naver Pay, Kakao Pay, mobile phone payment, and Payco.

Next, the customer management unit 620 may be configured to register and manage customer (personal) information subscribed to the O2O integrated electronic payment service.

In addition, the customer management unit 620 may be configured to record and manage the search date, search information, purchase information, payment information, etc. searched through the O2O integrated payment service platform for each customer.

In addition, customer information may be stored and managed by encrypting identification information (eg, name, address, contact information, etc.) that can confirm the identity of the customer. In addition, the customer management department issues and provides the ID and/or password of the member who wants to use the O2O integrated payment service platform. In addition, the customer management unit may provide statistics of product order types by age, region, and season based on the customer's payment details.

Next, the affiliated store management unit 630 manages and provides the O2O integrated electronic payment service and the company information of the affiliated stores (online and offline product stores), the web page of the company, the sales product information, and the like.

Next, the customer payment processing unit 640 may be configured to process payment for products ordered online from the customer terminal.

The customer payment processing unit 640 may be linked with a payment interface of the O2O integrated payment service platform 10 .

The customer payment processing unit 640 is a VAN server to issue a one-time credit card number to the card company based on the credit card number stored in the customer terminal when a one-time credit card issuance (Bachelain Pay) is requested as a payment method from the customer terminal. to request issuance of a one-time credit card number.

In addition, when the payment processing unit 640 selects 'one-time credit card number issuance request' as the payment method in the customer terminal and 'face-to-face payment (meeting card payment)' as the product payment method, after receiving the one-time credit card number , performs a function of processing to generate a QR code or NFC tag containing the issued one-time credit card number.

Next, the affiliated store payment processing unit 650 may be configured to process the settlement of the card payment amount sold and processed by the on/offline affiliated stores subscribed to the O2O integrated electronic payment service.

The affiliated store payment processing unit 650 may request to transmit the payment approval request for the credit card number provided by the customer terminal to the corresponding card company through the VAN server.

The affiliated store payment processing unit 650 may request payment approval of the one-time credit card number provided from the customer terminal to the corresponding card company through the VAN server.

4 and 5 are flowcharts illustrating an O2O integrated payment method using the O2O integrated payment service platform according to an embodiment of the present invention.

4 and 5 , the O2O integrated payment method ( S700 ) using the O2O integrated payment service platform according to an embodiment of the present invention executes the O2O integrated payment service platform 10 in the customer terminal 200 , After designating an online store (merchant) to pay for the online order product, a payment request is made to the payment web page of the online store (merchant) with a one-time credit card number provided by the card company (S710).

Thereafter, when the VAN server requests approval for payment of the one-time credit card number on the payment web page (S720), the VAN server transmits the one-time credit card number to the card company for an approval request message transmitted from the sales terminal. After transmission, when a payment approval is requested (S730), the card company confirms the validity of the issuance of the one-time credit card number, and upon completion of the verification, approves the payment of the payment amount paid with the one-time credit card number (S730). S740).

After that, the credit card company charges the payment to the customer terminal to which the one-time credit card number was issued.

6 and 7 are flowcharts illustrating an O2O integrated payment method using an O2O integrated payment service platform according to another embodiment of the present invention.

6 and 7, the O2O integrated payment method (S800) using the O2O integrated payment service platform according to another embodiment of the present invention integrates O2O from a customer terminal for product payment to a payment terminal of an offline store (merchant) When the card company requests issuance of a one-time credit card number through the payment service platform (S810), the card company issues a one-time credit card number to the customer terminal (S820).

After that, the O2O integrated payment service platform processes the one-time credit card number into a QR code or NFC tag (S830), and after reading or tagging the QR code or the NFC tag in an offline sales terminal, the one-time After extracting the credit card number, the VAN server requests approval for payment approval (S840).

When the VAN server transmits the one-time credit card number to the card company in the approval request message transmitted from the offline sales terminal, and requests payment approval from the card company (S850), the card company issues the one-time credit card number After confirming, if confirmed, the payment of the payment amount paid with the one-time credit card number is approved (S850).

10 is a diagram illustrating an example computing environment in which one or more embodiments disclosed herein may be implemented, and is an illustration of a system 1000 including a computing device 1100 configured to implement one or more embodiments described above. shows For example, computing device 1100 may be a personal computer, server computer, handheld or laptop device, mobile device (mobile phone, PDA, media player, etc.), multiprocessor system, consumer electronics, minicomputer, mainframe computer, distributed computing environments including any of the aforementioned systems or devices, and the like.

The computing device 1100 may include at least one processing unit 1110 and a memory 1120 . Here, the processing unit 1110 may include, for example, a central processing unit (CPU), a graphic processing unit (GPU), a microprocessor, an Application Specific Integrated Circuit (ASIC), Field Programmable Gate Arrays (FPGA), etc. and may have a plurality of cores. The memory 1120 may be a volatile memory (eg, RAM, etc.), a non-volatile memory (eg, ROM, flash memory, etc.), or a combination thereof. Additionally, the computing device 1100 may include additional storage 1130 . Storage 1130 includes, but is not limited to, magnetic storage, optical storage, and the like.

The storage 1130 may store computer readable instructions for implementing one or more embodiments disclosed herein, and other computer readable instructions for implementing an operating system, an application program, and the like. Computer readable instructions stored in storage 1130 may be loaded into memory 1120 for execution by processing unit 1110 . Computing device 1100 may also include input device(s) 1140 and output device(s) 1150 .

Here, the input device(s) 1140 may include, for example, a keyboard, mouse, pen, voice input device, touch input device, infrared camera, video input device, or any other input device, or the like. Further, the output device(s) 1150 may include, for example, one or more displays, speakers, printers, or any other output device, or the like. Also, the computing device 1100 may use an input device or an output device included in another computing device as the input device(s) 1140 or the output device(s) 1150 . Computing device 1100 may also include communication connection(s) 1160 that enable computing device 1100 to communicate with other devices (eg, computing device 1300 ).

Here, communication connection(s) 1160 may be a modem, network interface card (NIC), integrated network interface, radio frequency transmitter/receiver, infrared port, USB connection, or other for connecting computing device 1100 to another computing device. It may include interfaces. Further, the communication connection(s) 1160 may include a wired connection or a wireless connection. Each component of the computing device 1100 described above may be connected by various interconnections such as a bus (eg, peripheral component interconnection (PCI), USB, firmware (IEEE 1394), optical bus structure, etc.) and may be interconnected by a network 1200 . As used herein, terms such as "component," "system," and the like, generally refer to a computer-related entity that is hardware, a combination of hardware and software, software, or software in execution.

For example, a component can be, but is not limited to being, a process running on a processor, a processor, an object, an executable, a thread of execution, a program, and/or a computer. For example, both an application running on a controller and a controller may be a component. One or more components may reside within a process and/or thread of execution, and components may be localized on one computer or distributed between two or more computers.

The present invention is not limited by the above embodiments and the accompanying drawings. For those of ordinary skill in the art to which the present invention pertains, it will be apparent that components according to the present invention can be substituted, modified and changed without departing from the technical spirit of the present invention.

100: O2O integrated payment platform service system
200: customer terminal
300: offline sales terminal or payment web server
400: VAN Server
500: card company server
600; Platform operation server
610: platform provider
620: customer management department
630: Merchant Management Department
640: customer payment processing unit
650: Merchant payment processing unit

Claims (4)

delete requesting the issuance of a one-time credit card number from the customer terminal through the O2O integrated payment service platform operated by the platform operation server from the customer terminal to the payment terminal of the offline store (merchant);
issuing a one-time credit card number from the card company to the customer terminal;
generating a QR code or NFC tag of the one-time credit card number in the O2O integrated payment service platform;
reading or tagging the QR code or the NFC tag in the payment terminal, extracting the one-time credit card number from the payment terminal, and requesting approval for payment to a VAN server;
transmitting the one-time credit card number to the credit card company in an approval request message transmitted from the payment terminal in the VAN server, and then requesting payment approval;
Approving the payment of the payment amount paid by the one-time credit card number by the card company;
The customer terminal is
Present the one-time credit card number at the time of online payment, and present the one-time credit card number to the offline sales terminal through a QR code or NFC tag at the time of offline payment;
storing the credit card number issued by the card company, and providing authentication information to prove the owner of the credit card number when requesting for issuance of a one-time credit card number;
The O2O integrated payment service platform is
a product order interface for searching and selecting product information for affiliated online stores; and
Includes a payment interface for selecting payment methods, online and offline payment methods, card company types, and one-time credit card number issuance,
The platform operating server is
Based on the payment details of customers using the O2O integrated payment service platform, statistics on product order types are provided by age, region and season, and company information of affiliated merchants (online and offline product stores), company web page, and sales O2O integrated payment method using O2O integrated payment service platform that manages and provides product information.
a customer terminal that receives a one-time credit card number using the O2O integrated payment service platform and requests payment processing for a product to be purchased at an online or offline store with the one-time credit card number;
a payment web server or offline sales terminal that requests payment approval of the one-time credit card number to a VAN server in order to process a sale amount of an online product or an offline product with the one-time credit card number provided by the customer terminal;
a VAN server for transmitting a payment approval request of the one-time credit card number of the payment web server or the sales terminal to the server of the corresponding card company;
a card company server that pays a payment to a designated account of the payment web server or the sales terminal according to a payment approval request of the one-time credit card number transmitted from the VAN server; and
Including; a platform operating server for operating the O2O integrated payment service platform;
The customer terminal is
Present the one-time credit card number at the time of online payment, and present the one-time credit card number to the offline sales terminal through a QR code or NFC tag at the time of offline payment;
storing the credit card number issued by the card company, and providing authentication information to prove the owner of the credit card number when requesting for issuance of a one-time credit card number;
The O2O integrated payment service platform is
a product order interface for searching and selecting product information for affiliated online stores; and
Includes a payment interface for selecting payment methods, online and offline payment methods, card company types, and one-time credit card number issuance,
The platform operating server is
Based on the payment details of customers using the O2O integrated payment service platform, statistics on product order types are provided by age, region and season, and company information of affiliated merchants (online and offline product stores), company web page, and sales O2O integrated payment system using O2O integrated payment service platform that manages and provides product information. delete

Images