KR102431265B1 - A method and apparatus for providing a service linked with payment based on a locatoin of mobile device - Google Patents

Abstract

The present disclosure relates to a 5G or pre-5G communication system to be provided to support a higher data rate after a 4G communication system such as LTE. The present disclosure relates to the payment-linked location-based service comprising the steps of: obtaining payment information for an item purchased at a store subscribed to the payment-linked location-based service; and including the payment information to a server providing the payment-linked location-based service transmitting a request; transmitting, by the mobile terminal, export information on the purchased product including location information indicating that the payment-linked location-based service is provided in an area available to the server; and receiving a processing result of the payment-related location-based service corresponding to the service request from a server.

Description

A method and apparatus for providing a location-based payment linkage service for a mobile terminal

The present disclosure relates to a method and an apparatus for providing a service related to payment based on a location of a mobile terminal. More specifically, it relates to a method of providing a refund and return service based on a location of a mobile terminal that has obtained payment information.

The Internet is evolving from a human-centered connection network where humans create and consume information, to an Internet of Things (IoT) network that exchanges and processes information between distributed components such as objects. Internet of Everything (IoE) technology may be an example in which big data processing technology through connection with cloud servers, etc. are combined with IoT technology.

In order to implement IoT, technology elements such as sensing technology, wired/wireless communication and network infrastructure, service interface technology, and security technology are required. , M2M), and MTC (Machine Type Communication) are being studied.

In the IoT environment, intelligent IT (Internet Technology) services that create new values in human life by collecting and analyzing data generated from connected objects can be provided. IoT can be applied to fields such as smart home, smart building, smart city, smart car or connected car, smart grid, health care, smart home appliance, and advanced medical service through convergence and complex between existing IT technology and various industries. have.

Due to the introduction of smartphones, which is one of the representative means of implementing such IoT, non-face-to-face financial transactions through electronic payments are being activated. Mobile payment, which is one of the representative payment methods of electronic payment, is divided into a hardware method and a software method depending on whether an integrated circuit (IC) chip that stores core payment information is embedded. According to the service type, it is divided into mobile wallet type, code scanning type, server type, and mobile POS type. The mobile wallet type provides a complex payment service by storing money, coupons, tickets, and exchanges. The code scanning type utilizes a barcode or QR (Quick Resposne) code. In the long-distance payment, the user scans the code image attached to the flyer or product and moves to the online payment page to make the payment. It is a method of using payment by acquiring a code image to which payment information is linked. Server-type payment is a method in which a user registers his/her payment information such as a credit card number and a key for payment in advance with a specific server, and then pays by inputting only the key value instead of complicated payment information each time he/she makes a payment. Finally, the mobile key POS refers to a service that uses a mobile terminal such as a smartphone tablet or a personal computer (PC) as a card payment terminal.

As the mobile payment market is rapidly growing, methods are required to additionally provide convenient services to users based on the mobile payment history of the mobile terminal and information generated accordingly.

The present disclosure relates to a method and apparatus for providing a location-based payment related service through a mobile terminal.

The present disclosure relates to a method and apparatus for providing a tax refund service based on a location of a mobile terminal that has obtained payment information.

The present disclosure relates to a method and an apparatus for providing a return service based on a location of a mobile terminal that has obtained payment information.

A method according to an embodiment of the present disclosure; A method for a mobile terminal to request a payment-linked location-based service, the method comprising: obtaining payment information for an item purchased at a store subscribed to the payment-related location-based service; to a server providing the payment-related location-based service Transmitting the payment-linked location-based service request including the payment information, and location information indicating that the mobile terminal is located in an area where the payment-related location-based service can be provided. transmitting export information to the server; and receiving a processing result of the payment-related location-based service corresponding to the service request from the server.

Another method according to an embodiment of the present disclosure; In the method for providing the payment-linked location-based service by an unmanned terminal installed in an area providing a payment-linked location-based service, the method comprising: payment information of goods purchased at a store subscribed to the payment-linked location-based service from a mobile terminal Receiving a service request and receiving, from the mobile terminal, export information about the purchased product including location information indicating that the mobile terminal is located in an area where the payment-related location-based service can be provided, The method comprising: transmitting to a server providing a payment-related location-based service; and receiving, from the server, a processing result of the payment-related location-based service corresponding to the service request.

Another method according to an embodiment of the present disclosure; A method for providing the payment-linked location-based service by a store device installed in a store subscribing to a payment-linked location-based service, the method comprising: receiving a payment request including payment method information of goods to be purchased at the store from a mobile terminal; generating payment information of the item by accessing a financial server corresponding to the payment method information and performing the payment; and transmitting the payment information to the mobile terminal.

An apparatus according to an embodiment of the present disclosure includes; In the mobile terminal requesting a payment-linked location-based service, the payment-related location-based service is provided to a control unit for obtaining payment information for an item purchased at a store subscribing to the payment-related location-based service, and to a server providing the payment-linked location-based service. Transmitting the payment-linked location-based service request including information, and sending out information about the purchased item including location information indicating that the mobile terminal is located in an area where the payment-related location-based service can be provided and a transmitter for transmitting to the server, and a receiver for receiving a processing result of the payment-linked location-based service corresponding to the service request from the server.

Another device according to an embodiment of the present disclosure; In the unmanned terminal for providing a payment-linked location-based service, receiving a service request including payment information of goods purchased at a store subscribed to the payment-related location-based service from a mobile terminal, and the mobile terminal from the mobile terminal Receives export information about the purchased product including location information indicating that the payment-linked location-based service is located in an area where the payment-linked location-based service is available, and transmits it to a server providing the payment-linked location-based service, and from the server and a transceiver configured to receive a processing result of the payment-linked location-based service corresponding to the service request.

Another device according to an embodiment of the present disclosure; A store device that provides the payment-linked location-based service at a store subscribed to the payment-linked location-based service, the store device comprising: a receiving unit configured to receive a payment request including payment method information of an item to be purchased at the store from a mobile terminal; and a controller configured to connect to a financial server corresponding to the information to perform the payment to generate payment information of the product, and a transmitter to transmit the payment information to the mobile terminal.

Other aspects, benefits and key features of the present disclosure will become apparent to those skilled in the art from the following detailed description, taken together with the accompanying drawings, which discloses preferred embodiments of the present disclosure.

Before processing the detailed explanatory part of this publication below, it may be effective to establish definitions for certain words and phrases used throughout this patent document: the terms "include" and " “comprise” and its derivatives mean inclusive indefinitely; the term “or” is inclusive and means “and/or”; The phrases “associated with” and “associated therewith” and their derivatives include, be included within, and interconnected with (interconnect with), contain, be contained within, connect to or with, couple to or with, be communicable with, cooperate with, interleave, juxtapose, be proximate to, means such as be bound to or with, have, have a property of, etc.; The term “controller” means any device, system, or part thereof that controls at least one operation, such a device being hardware, firmware or software, or some combination of at least two of the hardware, firmware or software. can be implemented in It should be noted that the functionality associated with any particular controller may be centralized or distributed, and may be local or remote. Definitions for specific words and phrases are provided throughout this patent document, and those of ordinary skill in the art will in many, if not most cases, apply such definitions to conventional as well as conventional, as well as words and phrases defined above. It should be understood that this also applies to future uses of the phrases.

1A is an example of an overall configuration diagram of a system for providing a tax refund service according to an embodiment of the present disclosure;
1B is an example of an operation flowchart for providing a tax refund service according to an embodiment of the present disclosure;
2 is an example of an operation flowchart for providing a tax refund service according to another embodiment of the present disclosure;
3 is an example of an operation flowchart for providing a tax refund service according to another embodiment of the present disclosure;
4 is an example of an operation flowchart for providing a tax refund service according to another embodiment of the present disclosure;
5 is an example of an operation flowchart in which a tax refund service is provided according to another embodiment of the present disclosure;
6 is an example of a block diagram of a kiosk according to an embodiment of the present disclosure;
7A is an example of an overall configuration diagram of a system for providing a return service of purchased goods according to another embodiment of the present disclosure;
7B is an example of an operation flowchart for providing a return service of goods purchased through mobile payment according to another embodiment of the present disclosure;
7c is an example of an operation flowchart for providing a location-based return service of a mobile terminal that has obtained payment information of a purchased product according to another embodiment of the present disclosure
8A is an example of an operation flowchart of a personal terminal according to an embodiment of the present disclosure;
8B is an example of a block diagram of a personal terminal according to an embodiment of the present disclosure;
9A is an example of an operation flowchart of a store terminal according to an embodiment of the present disclosure;
9B is an example of a block diagram of a personal terminal according to an embodiment of the present disclosure;
10 is an example of an operation flowchart of a kiosk according to an embodiment of the present disclosure;

Hereinafter, an operating principle of a preferred embodiment of the present disclosure will be described in detail with reference to the accompanying drawings. For the same components shown in the drawings, even though they are shown in different drawings, they are indicated by the same reference numbers as much as possible, and in the following, in describing the present disclosure, detailed descriptions of related well-known functions or configurations are unnecessary to the gist of the present disclosure. If it is determined that it may be blurry, a detailed description thereof will be omitted. In addition, the terms described below are terms defined in consideration of functions in the present disclosure, which may vary according to intentions or customs of users and operators. Therefore, the definition should be made based on the content throughout this specification.

Since the present disclosure may have various changes and may have various embodiments, specific embodiments will be described in detail by illustrating the drawings. However, this is not intended to limit the present disclosure to specific embodiments, and it should be understood to include all modifications, equivalents and substitutes included in the spirit and scope of the present disclosure.

In addition, it will be understood that singular expressions such as "above" and "above" include plural expressions in this specification, unless otherwise clearly indicated. Thus, as an example, a “component surface” includes one or more component surfaces.

Also, terms including an ordinal number, such as first, second, etc., may be used to describe various elements, but the elements are not limited by the terms. The above terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present disclosure, a first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component. and/or includes a combination of a plurality of related listed items or any of a plurality of related listed items.

In addition, the terms used herein are used only to describe specific embodiments, and are not intended to limit the present disclosure. The singular expression includes the plural expression unless the context clearly dictates otherwise. In the present specification, terms such as “comprise” or “have” are intended to designate that a feature, number, step, operation, component, part, or combination thereof described in the specification exists, but one or more other features It is to be understood that this does not preclude the possibility of the presence or addition of numbers, steps, operations, components, parts, or combinations thereof.

In addition, in the embodiments of the present disclosure, unless otherwise defined, all terms used herein, including technical or scientific terms, are those commonly understood by those of ordinary skill in the art to which the present disclosure belongs. have the same meaning. Terms such as those defined in a commonly used dictionary should be interpreted as having a meaning consistent with the meaning in the context of the related art, and unless explicitly defined in an embodiment of the present disclosure, an ideal or excessively formal meaning is not interpreted as

Hereinafter, in an embodiment of the present disclosure, a method and an apparatus for providing a service related to payment based on the location of a mobile terminal are proposed. Hereinafter, in an embodiment of the present disclosure, a service associated with payment based on the location of the mobile terminal (hereinafter referred to as "payment-related location-based service") includes payment information in a form that can be stored through the mobile terminal and the location of the mobile terminal. It means a service provided by using, for example, payment information in a form that can be stored by the mobile terminal, in addition to the tax refund service or return/exchange/refund service, and all services that can be performed using the location information of the mobile terminal. may include As an example of such a payment-linked location-based service, in an embodiment of the present disclosure, a tax refund service in which a user of a mobile terminal receives a tax refund when the purchase price exceeds a certain amount for an item purchased abroad is provided. case will be described. In the existing tax refund service, when a user purchases goods from abroad or a foreigner purchases goods in Korea, the user usually moves to the airport and receives confirmation of the goods to be exported from the airport staff during the departure process, and the tax refund procedure is performed. Accordingly, since the existing tax refund procedure can be performed only during the departure process, location restrictions occur, which requires a separate waiting time for tax refund in the departure process, thereby increasing user inconvenience. In addition, after the user purchases the product, the user receives the document for the tax refund procedure at the store, and then, in order to use it in the tax refund procedure, the user must keep the document until the user performs the tax refund procedure, and the document If the document is lost or damaged, the inconvenience of having to go to the store and go through the process of reissuing the document may occur. Therefore, in an embodiment of the present disclosure, in order to simplify a tax refund procedure, a method and an apparatus for providing a tax refund service using payment settlement information obtained by a mobile terminal and location information of the mobile terminal are proposed.

Hereinafter, although drawings are exemplified for each embodiment for convenience of description, each embodiment may be implemented by mixing with some or all of at least one other embodiment according to the intention of the operator or the embodiment. 1A is an example of an overall configuration diagram of a system for providing a tax refund service according to an embodiment of the present disclosure.

Referring to FIG. 1A , a system for providing a tax refund service according to an embodiment of the present disclosure includes a store terminal 106 provided in an affiliated store 100 that has subscribed to the tax refund service, and a method for acquiring and storing payment information. It includes a personal mobile terminal (hereinafter, referred to as 'personal terminal') 104 and a refund operation server 108 that provides the tax refund service. In order for the personal terminal 104 to receive the tax refund service, it moves to a preset tax refund processing area, for example, the airport 120 and receives location information indicating that the personal terminal 104 is located at the airport 120 . It should be provided to the refund operation server 108, and the location information may be obtained from a beacon device that is installed in the airport 120 and broadcasts airport-related information. An operation of each component included in the tax refund system in FIG. 1A will be described in detail with reference to FIG. 1B .

1B is an example of an operation flowchart for providing a tax refund service according to an embodiment of the present disclosure. Here, the user of the personal terminal 104 purchases goods at a store 100 that provides a foreign tax refund service, or enters Korea as a foreigner and purchases goods at the store 100 corresponding to a domestic duty-free store. A purchase case can be assumed.

Referring to FIG. 1B , it is assumed in step 110 that the user of the personal terminal 104 performs a payment for purchasing an article. If the personal terminal 104 supports a mobile payment function, the item may be purchased through mobile payment. Accordingly, when the store terminal 106 receives a payment request from the personal terminal 104 , it acquires payment method information of the personal terminal 104 included in the payment request. Here, the payment means may include a credit card, a debit card, a gift card, a small amount payment, a payment in a giro, and the like, which can easily realize the electronic payment service. Accordingly, the store terminal 106 connects to a card company server or a bank network server that is mapped to a payment method corresponding to the obtained payment method information, performs payment for the product, and receives the result. , can be generated from the result information. And, when the payment is completed, the store terminal 106 transmits the result information on the payment to the personal terminal 104 in step 112 . According to an embodiment of the present disclosure, the store terminal 106 provides result information on the purchased product in the form of an electronic document that the personal terminal 104 can store. According to an embodiment of the present disclosure, the result information for the payment is based on Near Field Communication (NFC) or Radio Frequency Identification (RFID), the personal terminal 104 tags the store terminal 106 ) can be obtained by Alternatively, according to another embodiment, the result information may be acquired based on social network services/sites (SNS). According to another embodiment, the store terminal 106 may operate as a beacon device that transmits a beacon including, for example, the location of the store, information on items to be sold, price information, and sale information. In this case, the result information may be received in the form of a beacon transmitted by the store terminal 106 . Here, the result information may include payment information including purchase details of goods purchased through the payment according to an embodiment of the present disclosure, and the store information. The payment information may include an item of the product, a purchase date, a purchase price, and the like, and the store information may include a trade name of the store 100 , location information, business name, and the like. Meanwhile, according to another embodiment of the present disclosure, payment information and store information may be combined or encrypted and provided in the form of a new message. According to an embodiment, the payment information further includes a link providing a connection to a refund operation server providing the tax refund service, or application information providing a tax refund service provided by the refund operation server can do. In this case, in step 114a, the personal terminal 104 may attempt to connect to the link, execute an application corresponding to the application information, or download and install the application. In step 114b, the personal terminal 104 may transmit a tax refund request for the item purchased in step 110 to the refund operation server 108 through the link or the application. Accordingly, the timing and location at which the personal terminal 104 transmits the tax refund request to the refund operation server according to the embodiment of the present disclosure is not limited to the case where the personal terminal 104 is located at the airport. As a specific example, the personal terminal 104 according to an embodiment of the present disclosure makes a request for a tax refund for a paid item using the payment information obtained after the payment, all the time before moving to the airport, or arriving at the airport It can be transmitted to the refund operation server 108 in all places where it is located before. The tax refund request includes product information purchased according to an embodiment of the present disclosure and personal information of a user who has transmitted the tax refund request. Here, the personal information may include personally identifiable information about the purchaser of the product required for tax refund, for example, nationality, home country address, name, passport number, account information for tax refund, etc. It may include the purchase price of the product, the date of purchase, information about the store where it was purchased, a trade name, an item, and the like. The refund operation server according to an embodiment of the present disclosure is a specific region or place among stores grouped according to the characteristics of the region or place where the stores subscribed to the payment-based tax refund service of the mobile device are located, or the type of goods sold by the store, respectively. As an example, it is possible to manage corresponding stores grouped into department stores. Accordingly, it is assumed that the refund operation server 108 is a server that manages tax refunds of stores in a certain area including the tax refund service providing store 100 . For example, the refund operation server 108 may be a tax refund agency server that is affiliated with the tax refund service providing store 100 . Accordingly, in step 115, the refund operation server 108 maps the item information and personal information of the personal terminal 104 obtained in step 114 to the store 100 and stores it in a database (DB). Assume the case

Hereinafter, it is assumed that the personal terminal 104 moves to an overseas airport 102 for departure. Then, the user of the personal terminal 104 transmits the product export information to the refund operation server 108 in step 116 to receive a tax refund on the purchased product before departure. The product discharging information may also be transmitted by accessing the downloaded application or the link. Here, the product discharging information includes the user's location information together with the product information to be tax refunded. Here, the user's location information may be obtained using a global positioning system (GPS) provided in the personal terminal 104 . In addition, the user's location information may be configured in the form of a security message from airport-related information transmitted by a beacon device installed at an airport in order to increase security and reliability according to an embodiment. Such a security message may be configured using, for example, a technology for setting up a geo-fencing area in an airport and detecting whether a user who has sent the corresponding article export information is located within the geo-fencing area. For example, within the set geo-fencing area, a beacon may transmit a signal indicating that the area is a geo-fencing area, and the personal terminal 104 receives the signal and includes it in the product export information to operate the refund can be sent to the server 108 . In this case, the signal transmitted by the beacon device may be transmitted in the form of a text notification or specific information. The text notification or specific information may use, for example, an authentication code configured using a hash based message authentication code (HMAC). Accordingly, the refund operation server 108 provides a tax refund service only for the item export information composed of a security message based on information provided through a beacon device installed at a designated airport for departure of the personal terminal 104 . can act to provide. In addition, according to an embodiment, the product information included in the product discharging information may also be configured by combining location information to increase security and reliability. In this case, the combination of location information uses the camera function of the personal terminal 104 to acquire an image of the purchased product, and then watermarks a signal indicating that it is a geo-fencing area acquired at the airport; It can be configured by combining through a method such as steganography. Here, the information obtainable at the airport is, for example, an image or QR (Quick Response) that the beacon device changes at a predetermined time or pattern according to a rule agreed in advance with the refund operation server 108 code, etc. The refund operation server 108, which has received the article taking out information according to the embodiment of the present disclosure configured as described above, checks whether the tax refund condition of the corresponding article is satisfied based on the article taking out information in step 118, , a tax refund process is performed according to the confirmation result, and the processing result information is transmitted to the personal terminal 104 in step 120 . For example, the refund operation server 108 is the location where the personal terminal 104 can receive a tax refund through the location information or image of the personal terminal 104 included in the product information obtained from the product export information. , you can check whether you are at the airport. Specifically, according to an embodiment, the refund operation server 108 may determine the reliability of the location information of the personal terminal 104 by checking the validity time of the authentication information included in the location information. Alternatively, according to an embodiment, the refund operation server 108 checks whether the item is located in the airport from a signal indicating that it is a geo-fencing area included in the image transmitted by the personal terminal 104, and the item If it is confirmed that it is located within the airport, it is possible to perform tax refund processing on the goods, and generate information as a result. The result information of the tax refund processing according to an embodiment of the present disclosure may be directly transmitted to the personal terminal 1040 in the form of an electronic document that can be stored by the personal terminal 104. Alternatively, according to an embodiment, the tax refund The result information of the processing can be obtained by tagging it with a kiosk installed in the airport based on NFC or RFID, according to an embodiment, the result information of the tax refund processing is the kiosk or the refund operation server 108 It may be obtained based on a provided message (eg, short message service (SMS), etc.).

As a result, as the personal terminal 104 that has received the result information displays the successfully processed tax refund processing result on the personal terminal 104 through the downloaded application, separate occurrences for the tax refund procedure can save time.

According to another embodiment of the present disclosure, the personal terminal may transmit the tax refund request to the refund operation server, and then transfer the article discharging information through the kiosk installed at the airport. Then, according to the embodiment, the kiosk performs tax refund processing of the goods to be taken out in connection with the refund operation server, and notifies the tax refund result information to the personal terminal. 2 is an example of an operation flowchart for providing a tax refund service according to another embodiment of the present disclosure. As in FIG. 1B , when the user of the personal terminal 104 moves to a store 100 that provides a tax refund service abroad and purchases an item at the store 100 , or a foreigner enters the country, Assume that you purchase an item at a duty-free shop.

Referring to FIG. 2 , the personal terminal 104 , the store terminal 106 and the refund operation server 108 in steps 210 to 215 operate in the same manner as in steps 110 to 115 in FIG. 1 , so redundant description is omitted do. Accordingly, in step 210, the user of the personal terminal 104 has delivered a tax refund request including payment information of the purchased item stored in the personal terminal 104 to the refund operation server 108, and the The refund operation server 108 also maps the item information and personal information of the personal terminal 104 obtained from the tax refund request with the store 100 and stores it in the DB.

Then, it is assumed that the personal terminal 104 moves to the airport for departure and is located in the airport 120 . In this case, according to another embodiment of the present disclosure, the personal terminal 104 transmits a tax refund request to the kiosk 200 installed in the airport 120 in step 216a. In this case, the tax refund request includes information on taking out goods. Here, the article taking out information includes location information that can prove that the article to be taken out is located in the airport 120 , like the article taking out information of FIG. 1B . Since the article discharging information has the same configuration as the article discharging information of FIG. 1B , a detailed description thereof will be omitted. Additionally, in the article discharging information, personal information to be used for authenticating the personal terminal 104 when the kiosk 200 transmits the product discharging information to the refund operation server 108 according to an embodiment of the present disclosure is added. include as Here, the personal information is configured to include personal identification information about the purchaser of the goods required for tax refund, for example, nationality, home country address, name, passport number, account information for tax refund, and the like. According to an embodiment, the personal information transmitted together with the product discharging information may consist of only some of the information. Then, in step 216b, the kiosk 200 transmits the tax refund processing request of the personal terminal 104 to the refund operation server 108 . In this case, the tax refund processing request includes product export information including personal information of the personal terminal 104 obtained through step 216a.

In step 218a, the refund operation server 108 authenticates the personal terminal 104 by comparing the personal information of the personal terminal 104 stored in the DB with the personal information received from the step 216b. Then, the refund operation server 108 uses the product information and location information included in the product export information to check whether the purchase place of the corresponding product, the purchase price, and the user's location satisfy the tax refund conditions and determine whether a tax refund is possible according to the result of the confirmation. In step 218b, the refund operation server 108 transmits information indicating whether the determined tax refund is possible to the kiosk 200 . Then, in step 218c, the kiosk 200 performs a refund process for paying the tax refunded to the personal terminal 104 . Then, in step 220, the kiosk 200 transmits a refund result indicating that the tax refund processing is completed to the personal terminal 104.

According to the embodiment of FIG. 2 , the personal terminal 104 to take out the goods may perform tax refund processing through a kiosk installed at the airport.

Hereinafter, in another embodiment of the present disclosure, the tax refund request from the personal terminal may be transmitted to the refund operation server through the store terminal installed in the store where the item is purchased.

3 is an example of an operation flowchart for providing a tax refund service according to another embodiment of the present disclosure. As in FIG. 2 , when the user of the personal terminal 104 moves to a store 100 that provides a tax refund service abroad and purchases an item at the store 100 , or when a foreigner enters the country and Assume that you purchase an item at a duty-free shop.

Referring to FIG. 3 , since the operations between the personal terminal 104 and the store terminal 106 in steps 310 to 314a operate the same as in steps 110 to 114a of FIG. 1B , redundant description is omitted. Accordingly, the personal terminal 104 obtains payment information and store information of the item purchased in step 310 , and executes an application providing a tax refund service according to an embodiment of the present disclosure provided from the store terminal 106 . or downloaded and installed, or a link has been obtained.

In step 314, when the personal terminal 104 transmits a tax refund request for the goods purchased in step 310 to the store terminal 106 according to an embodiment of the present disclosure, in step 316, the store terminal 106 receives the tax The refund request is transmitted to the refund operation server 108 . Here, the tax refund request includes result information on the payment of the item purchased in step 310 and the personal information of the user who sent the tax refund request. omit However, since the tax refund request in step 314b of FIG. 3 is transmitted through the store terminal 106 , the time and location of the tax refund request is transmitted when the personal terminal 104 is located in the store 100 . is limited to

Thereafter, since the operation between the personal terminal 104 and the refund operation server 108 in steps 315 to 320 operates in the same manner as in steps 115 to 120 of FIG. 1B, redundant description is omitted.

Hereinafter, in another embodiment of the present disclosure, when a payment for purchasing an item is performed at a store where a tax refund service is provided, and information on the result of the payment is obtained through a personal terminal, the store terminal installed in the store Instruction information for tax refund mapped to the result information together with the result information on the payment may be transmitted to the personal terminal and the refund operation server. Accordingly, in another embodiment of the present disclosure, the personal terminal transmits the tax refund instruction information to the store terminal instead of transmitting the tax refund request to the refund operation server. Tax refund instruction information according to another embodiment of the present disclosure is set in advance between the store terminal 106 and the refund operation server 108 and is used for instructing a tax refund request. The information may be configured in the form of at least one of a flag, a code, and an image. 4 is an example of an operation flowchart for providing a tax refund service according to another embodiment of the present disclosure. Here, when the user of the personal terminal 104 moves to a store 100 that provides a tax refund service abroad and purchases an item at the store 100, or a foreigner enters the country and enters the country, the Assume that you have purchased an item.

Referring to FIG. 4 , in step 410 , the user of the personal terminal 104 performs payment to purchase an item at the store 100 . If the personal terminal 104 is a device that supports mobile payment, the product may be purchased through mobile payment. Accordingly, the store terminal 106 obtains payment method information of the personal terminal 104 included in the payment request obtained from the personal terminal 104, and a payment method corresponding to the payment method information, for example, , by accessing the card company server corresponding to the card information, performing a payment for the goods, receiving the result, and generating the result information. And, when the payment is completed, the store terminal 106 transmits the result information on the payment to the personal terminal 104 in step 412 . According to an embodiment of the present disclosure, the store terminal 106 provides payment information for a purchased product in the form of an electronic document that the personal terminal 104 can store. According to an embodiment of the present disclosure, the result information for the payment may be obtained by tagging the store terminal 106 by the personal terminal 104 based on NFC or RFID. Alternatively, according to another embodiment, the result information may be obtained based on SNS or may be received in the form of a beacon transmitted by a beacon device of the store. Here, the result information includes payment information including purchase details of goods purchased through the mobile payment according to another embodiment of the present disclosure, and the tax refund set in advance with the refund operation server 108 together with the store information Instruction information for use may be additionally included. Here, since the payment information and the store information overlap with the description of FIG. 1B , a detailed description thereof will be omitted. In addition, the tax refund instruction information is set in advance between the store terminal 106 and the refund operation server 108 and is used for instructing a tax refund request. The information may be configured in the form of at least one of a flag, a code, and an image.

In step 414a, the personal terminal 104 operates in the same manner as in step 114a of FIG. 1 to obtain link information for providing a tax refund service, or execute or download and install an application. In step 414b, the personal terminal 104 stores the tax refund instruction information.

On the other hand, the store terminal 106 transmits to the personal terminal 104 the result information on the payment including the tax refund instruction information according to an embodiment of the present disclosure in step 412 , and then in step 414c the individual The payment information and store information transmitted to the terminal 104 are mapped with the tax refund instruction information and transmitted to the refund operation server 108 . Then, in step 415, the refund operation server 108 maps the payment information and store information of the personal terminal 104 with the tax refund instruction information and stores the mapping in the DB.

Thereafter, in step 416a, the personal terminal 104 transmits only the tax refund instruction information obtained and stored in step 412 to the refund operation server 108 instead of requesting a tax refund for the goods purchased using payment in step 410. do. Here, the timing and location of transmitting the tax refund instruction information in step 416a may be transmitted through the application at the time and location immediately before departure from the personal terminal 104 after purchasing the product. . In addition, the personal terminal 104, which has moved to the airport for departure, transmits the goods discharging information for the goods to the refund operation server 108 in step 416b. If the user arrives at the airport and wants to transmit a tax refund request, according to an embodiment, steps 416a to 416b map the tax refund instruction information to the product export information and simultaneously transmit it to the refund operation server 108 It can be operated in one step. In this case, the time and place at which the tax refund instruction information and the article take-out information are simultaneously transmitted is limited to a case where the information is located at an airport for departure. Here, since the article discharging information is the same as the previous description, a redundant description will be omitted.

And, in step 418, the refund operation server 108 checks whether the personal terminal 104 satisfies the tax refund condition based on the payment information mapped to the tax refund instruction information in the DB and the product export information and perform tax refund processing according to the confirmation result. In step 420 , the result of the tax refund processing is transmitted to the personal terminal 104 . Here, since the procedure for checking whether the tax refund condition is satisfied operates the same as that of FIG. 1B , a redundant description is omitted.

Meanwhile, in another embodiment of the present disclosure, the embodiment of FIG. 2 and the embodiment of FIG. 3 may be mixed. Specifically, in another embodiment of the present disclosure, the personal terminal transmits a request for tax refund of goods purchased through the store terminal to the refund operation server through the store terminal, and transfers the goods export information for the tax refund to the kiosk installed in the airport and the tax refund processing result transmitted from the refund operation server may be received through the kiosk. 5 is an example of an operation flowchart in which a tax refund service is provided according to another embodiment of the present disclosure.

Referring to FIG. 5 , steps 510 to 515 operate in the same manner as steps 310 to 315 of FIG. 3 , and thus a redundant description will be omitted. According to another embodiment, in step 512 , when the store terminal 106 transmits result information for payment of goods purchased by the personal terminal 104 in step 512 , similarly to the embodiment of FIG. 4 , an instruction for tax refund Information can be mapped and transmitted. In this case, the store terminal transmits the result information to which the tax refund instruction information is mapped to the refund operation server 108 . Accordingly, in step 514b, the personal terminal 104 may transmit the tax refund instruction information to the store terminal 106 instead of the tax refund request.

In addition, since steps 516a to 520 operate in the same manner as steps 216a to 220 of FIG. 2 , a detailed description thereof will be omitted.

2 and 5 , the tax refund service according to an embodiment of the present disclosure may be provided through a refund operation server and a kiosk installed at an airport, and the kiosk is a personal terminal that intends to take out the goods. Information for constructing a message to increase security and reliability of information may be provided. 6 is an example of a block diagram of a kiosk according to an embodiment of the present disclosure.

Referring to FIG. 6 , the kiosk 600 includes, for example, a control unit 602 , a transceiver 604 , a purchase history request unit 606 , an authentication unit 608 , and a DB 610 . can be The configuration of such a kiosk is only described as an example, and each configuration may be subdivided or integrated into one unit according to the intention of the operator or the corresponding embodiment.

The control unit 602 controls the operations of the remaining components in order to perform the operations for providing the tax refund service of FIGS. 1B to 5 according to an embodiment of the present disclosure. The transceiver 604 receives information about taking out goods from a personal terminal or receives information indicating whether a tax refund is possible from a refund operation server, and transmits it to the corresponding personal terminal. When information indicating whether the terminal is tax refundable or not is received from the refund operation server, the control unit 602 performs tax refund processing for paying the tax to be refunded on the corresponding product according to an embodiment, and then the transceiver ( 604), the tax refund processing result may be output to the corresponding personal terminal.

The purchase history requesting unit 606 may request product export information of the product to be taken out from the personal terminal that has received the tax refund request.

The purchased item authentication unit 608 has a scale function to check the weight of the item to be taken out, supports RFID, NFC-based tagging, or has a barcode reader to identify the item, or adds a camera function to the corresponding item. By taking an image of the item, the item can be identified, and the security of location information required for tax refund processing of the item can be improved.

The DB 610 may store information transmitted and received through a tax refund procedure according to an embodiment of the present disclosure or information generated, and may store location identification information of an airport that is changed and output according to a pre-stored time or pattern.

Meanwhile, as another example of the payment-linked location-based service according to another embodiment of the present disclosure, a case in which a return service for exchange or refund of a purchased product is provided will be described. In another embodiment of the present disclosure, when a refund or exchange situation occurs for an item purchased through an offline store or an online shopping mall, the user must perform a return procedure for the purchased item in order to receive a refund or exchange the item . Therefore, an embodiment of the present disclosure proposes a method and apparatus for providing a return service for refund or exchange of a purchased product.

7A is an example of an overall configuration diagram of a system for providing a return service of a purchased product according to another embodiment of the present disclosure.

Referring to FIG. 7A , in a system for providing a return service of purchased goods according to another embodiment of the present disclosure, a kiosk installed in a specific area (hereinafter referred to as a 'return area') 704 in which the return service is provided ( 704). Here, the return area 704 may include not only stores that sell items to be returned, but also places easily accessible when users move, for example, convenience stores, subway stations, apartment management offices, and the like. More specifically, the kiosk providing the return service according to an embodiment of the present disclosure supports the return service of stores mapped for each area in which the corresponding kiosk is installed among offline stores and online stores subscribed to the return service. For example, a kiosk may be installed at each subway station, and a user may obtain location information of a kiosk supporting a return service of a store where the product is purchased from payment information of the product to be returned. For example, by checking the nearest subway station among subway stations where the kiosk supporting the return service of the store is installed, the user may return the item through the kiosk installed in the confirmed subway station. The kiosk 704 according to an embodiment of the present disclosure may additionally provide a separate space for accommodating items to be returned by the user, that is, a collection box. When the goods to be returned are stored in the collection box, thereafter, the stored goods are collected to the corresponding store every preset period with the server. Since the content related to the collection of goods to be returned is outside the scope of the technology proposed in the present disclosure, a detailed description thereof will be omitted herein. According to an embodiment of the present disclosure, the kiosk 704 may map the product information input by the user and output the return result information of the product stored in the collection box in a form that the user's personal terminal can store. Here, the product information may include a purchase price of the purchased product, a purchase date, purchased store information, a trade name, an item, and the like. In addition, the kiosk according to an embodiment of the present disclosure transmits the return result information of the corresponding product to the server as well as the personal terminal, so that when the return result information is obtained from the product discharging information received from the personal terminal, the product discharging information obtained from the kiosk By matching with , it is possible to determine the reliability of the returned result information. Return result information according to an embodiment of the present disclosure is information indicating whether a return target item is stored in the collection box of the corresponding kiosk.

After returning the purchased product, when the user transmits product export information including return result information and product information obtained from the kiosk through a personal terminal to the server, the server determines that the product is It is checked whether the conditions of exchange or refund corresponding to the return service are satisfied, the exchange or refund process is performed according to the confirmation result, and the exchange or refund process result information is transmitted to the personal terminal.

7B is an example of an operation flowchart for providing a location-based return service of a mobile terminal that has obtained payment information of a purchased product according to another embodiment of the present disclosure.

Referring to FIG. 7B , in step 710 , it is assumed that the user of the personal terminal 702 performs payment to purchase a corresponding product at an offline store or an online store. If the personal terminal 702 supports a mobile payment function, the item may be purchased through mobile payment. The store where the personal terminal 702 purchased the item is a store subscribed to a return service in which the item can be returned through a kiosk installed in at least one return area as well as the store according to an embodiment of the present disclosure. Then, in step 712a, the personal terminal 702 obtains result information about the purchased item from the server 706 that provides a return service to which the store where the item was purchased has subscribed. According to an embodiment of the present disclosure, result information on a purchased product is provided in the form of an electronic document that can be stored by the personal terminal 104 . Although not shown in FIG. 7B , according to an embodiment of the present disclosure, when the product is purchased at an offline store, the result information is the store terminal in which the personal terminal 702 is installed in the offline store based on NFC or RFID. It can be obtained by tagging with. Alternatively, when the personal terminal 702 purchases the item through an online shopping mall, it may be obtained in the form of an SNS. According to another embodiment, the result information may be received in the form of a beacon transmitted by a beacon device that transmits a beacon including, for example, the location of the store, information on sales items, price information, and sale information. . In this case, the result information according to an embodiment of the present disclosure includes payment details and store information. Here, the payment details may include items of the purchased product, purchase date, purchase price, purchased store information, and the like. And, according to an embodiment of the present disclosure, the store information may further include return service related information according to an embodiment of the present disclosure in addition to the location information and the name of the corresponding store according to an embodiment of the present disclosure. The return service related information may include an application for a return service provided by the server providing the return service or link information providing a connection to the server. Alternatively, according to an embodiment, the return service related information may further include location information of a kiosk to return a corresponding product when using the return service, or may additionally provide a link providing location information of the kiosk. According to an embodiment, payment information and store information may be combined or encrypted and provided in the form of a new message. Then, in step 712b, the personal terminal 702 stores the result information.

It is assumed that after purchasing the item, the user of the personal terminal 702 simply changes his mind or discovers a defect in the purchased item and decides to return the item for exchange or refund. In this case, in step 714a, the personal terminal 702 connects with a link provided from the return service related information included in the stored payment information in order to transmit a return request including payment information to the server 706, or executes the application. After running or downloading and installing, it can connect to the server 706 and forward the return request. Here, the return request includes product information purchased according to an embodiment of the present disclosure. Then, the user of the personal terminal 702 moves to the kiosk 704 corresponding to the location of the kiosk obtained from the return service related information to return the product, and then, in step 714b, the personal terminal 702 The product to be returned is stored in the collection box of the kiosk 704 , and product information of the product is transmitted to the kiosk 704 . When the kiosk 704 according to an embodiment of the present disclosure confirms the receipt of the corresponding item in the collection box, return result information indicating that the product has been received in the collection box may be output to the personal terminal 702 in step 716a. Then, in step 716b, the kiosk 704 transmits the return result information to the server 706 . In this case, the kiosk 704 maps at least one piece of product information received from the personal terminal 702 with the return result information and transmits it to the server 704 . The server 704 that has received this may map and store the return result information with the product information including the at least one information among the product information of the returned objects stored in the DB.

Thereafter, in step 718 , the personal terminal 702 transmits product discharging information including the return result information to the server 706 . The return result information may indicate a corresponding product by including one of the pieces of information included in the product information transmitted to the server 706 when a return request is made in step 714a. In addition, the return result information may be output in the form of a text notification, specific information, or an image. Alternatively, the return result information may be stored in the form of an image by the personal terminal 702 using a camera function. Accordingly, the article taking out information according to an embodiment of the present disclosure may be composed of information obtained from the return result information.

Then, in step 720 , the server 706 checks whether the return result information obtained from the product discharging information matches the product discharging information obtained from the kiosk 704 . As a result of the check, if the information is matched, it is checked whether a condition corresponding to the user's request for the item, that is, exchange or refund, is satisfied based on the item information of the item mapped to the return result information, and as a result of the check, If the above condition is satisfied, the server 706 exchanges or refunds the product. The above exchange or refund conditions apply to cases within a predetermined period from the date of purchase. In step 722 , the server 706 notifies the personal terminal 702 of the result of exchange or refund for the returned product.

According to another embodiment of FIG. 7B , the personal terminal 702 checks the location of the kiosk 704 from the return service related information included in the result information for payment of the product to be returned, and through the checked kiosk 704 . A return request for the item may be transmitted to the server. In this case, the kiosk 704 indicates whether an exchange or refund is possible, indicating whether an exchange or refund condition for the returned item is satisfied, based on the item information included in the return request from the server 706 . receive information If the received exchange or refund possibility indication information indicates that the returned item is exchangeable or refundable, the kiosk 704 checks whether the returned item is received in a collection box, and If the goods are received, the exchange or refund process may be performed, and the result of the execution may be notified to the personal terminal 702 .

According to another embodiment of FIG. 7B , the personal terminal 702 may transmit result information on the payment of goods to be returned to the server 706 through the store terminal installed in the store. According to another embodiment, the kiosk or store terminal may map and deliver instruction information for return when transmitting result information about payment to the personal terminal 702 that purchased the item. In this case, the result information and the return message information are also mapped and delivered to the server providing the return service. Then, the personal terminal 702 may map the return instruction information to the payment history and deliver it to the server 706 instead of sending a separate message when requesting a return.

The return service according to another embodiment of the present disclosure is installed in a store without a kiosk, checks the location of a returnable place of an item through a store terminal, and returns the item at the confirmed returnable place. information can be obtained. 7C is an example of an operation flowchart for providing a location-based return service of a mobile terminal that has obtained payment information of a purchased item according to another embodiment of the present disclosure.

Referring to FIG. 7C , in step 730, it is assumed that the user of the personal terminal 702 has made a payment for purchasing an article. If the personal terminal 702 supports a mobile payment function, the item may be purchased through a mobile payment. Accordingly, when the store terminal 705 receives a payment request from the personal terminal 702 , it acquires payment method information of the personal terminal 702 included in the payment request. Here, the payment means may include a credit card, a debit card, a gift card, a small amount payment, a payment in a giro, and the like, which can easily realize the electronic payment service. Accordingly, the store terminal 705 accesses a card company server or a bank server that is mapped to a payment method corresponding to the obtained payment method information, performs payment for the product, and receives the result. , can be generated from the result information. And, when the payment is completed, in step 732 , the store terminal 705 transmits information about the result of the payment to the personal terminal 702 . According to an embodiment of the present disclosure, the store terminal 702 may provide result information on the purchased product in the form of an electronic document that the personal terminal 702 can store. According to an embodiment of the present disclosure, the result information on the payment may be obtained by tagging the store terminal 705 by the personal terminal 702 based on NFC or RFID. Alternatively, according to another embodiment, the result information may be acquired based on the SNS provided by the store or the refund operation server 706 . Here, the store terminal 705 may operate as a beacon device that transmits, for example, a beacon including the store location, sale item information, price information, sale information, and the like. In this case, the result information may be received in the form of a beacon transmitted by the store terminal 705 . Here, the result information may include payment information including purchase details of goods purchased through the payment according to an embodiment of the present disclosure, and the store information. Here, the store information may further include return service related information according to an embodiment of the present disclosure in addition to the location information and the name of the corresponding store according to an embodiment of the present disclosure. The return service related information may include an application for a return service provided by the server providing the return service or link information providing a connection to the server. Alternatively, according to an embodiment, the return service related information may further include location information of a returnable place of the corresponding product when using the return service, or may additionally provide a link providing location information of the returnable location. . The refund operation server 706 according to an embodiment of the present disclosure is a specific region or place characteristic among stores grouped according to the region or place characteristics in which stores subscribed to the payment-based refund service are located, or the type of goods sold by the store, respectively. As an example, corresponding stores grouped into department stores may be managed. Accordingly, it is assumed that the refund operation server 706 is a server that manages refunds of stores in a certain area including the store where the personal terminal purchased the product. For example, the refund operation server 706 may be a refund agency server that is affiliated with a store that provides a refund service based on payment details of personal terminals. Accordingly, the returnable place according to an embodiment of the present disclosure may additionally include at least one specific place designated for each store managed by the refund operation server 108 or for each store group grouped for management. have. Here, the specific place may include a place easily accessible when users move, for example, a convenience store, a subway station, an apartment management office, and the like. According to an embodiment, payment information and store information may be combined or encrypted and provided in the form of a new message. In addition, according to an embodiment, the payment information includes a server providing the return service, for example, a link providing a connection to the refund operation server 706, or application information that provides a refund service provided by the refund operation server. may additionally include. In the embodiment of FIG. 7C for convenience of explanation, a refund operation server has been described as an example of a server that provides a return service. However, the return service according to the embodiment of the present disclosure is a service provided based on returns such as exchanges as well as refunds. can be applied to In this case, in step 734a, the personal terminal 702 may attempt to connect to the link, execute an application corresponding to the application information, or download and install the application. In step 734b, the personal terminal 702 may transmit a refund request for the item purchased in step 730 to the refund operation server 706 through the link or the application. Accordingly, the time and location at which the personal terminal 702 transmits the refund request to the refund operation server 706 according to an embodiment of the present disclosure is not limited to a specific time or location of the personal terminal 702 . As a specific example, the personal terminal 702 according to an embodiment of the present disclosure makes a request for a refund for a paid item, using the payment information obtained after the payment, all the time until just before moving to a place where the item can be returned, Alternatively, it may be transmitted to the refund operation server 706 in all places located before arriving at a place where the goods can be returned. Here, the refund request includes product information purchased according to an embodiment of the present disclosure. In step 735, it is assumed that the refund operation server 706 maps the item information and personal information of the personal terminal 702 obtained from the step 734b to the store where the store terminal 705 is installed and stores it in the DB. .

Thereafter, it is assumed that the personal terminal 702 moves to a returnable area provided by the refund operation server 706 to return the product. Then, the user of the personal terminal 104 transmits the return result information to the refund operation server 706 in step 736 to receive a refund service of the returned product. The return result information may also be transmitted by accessing the downloaded application or the link. Here, the return result information includes the user's location information together with the product information to be returned. Here, the user's location information may be obtained using the GPS provided in the personal terminal 702 . In addition, the user's location information may be configured in the form of a security message using information obtained from a beacon transmitted by a beacon device installed in the returnable area in order to increase security and reliability according to an embodiment. Such a security message may be configured, for example, by using a technology for setting up a geo-fencing area in a store and detecting whether a user who has sent the corresponding article export information is located within the geo-fencing area. For example, within the set geo-fencing area, a beacon may transmit a signal indicating that the area is a geo-fencing area, and the personal terminal 702 receives the signal and includes it in the return result information to operate the refund can be sent to the server 706 . In this case, the signal transmitted by the beacon device may be transmitted in the form of a text notification or specific information. The text notification or specific information may use, for example, an authentication code configured using HMAC. Accordingly, the refund operation server 706 provides a refund service only for product export information composed of a security message based on information provided through a beacon device installed in a designated place for product return of the personal terminal 702. can act to provide. In addition, according to an embodiment, product information included in the return result information may also be configured by combining location information to increase security and reliability. In this case, the combination of location information uses the camera function of the personal terminal 702 to obtain an image of the purchased product, and then watermarks and steganography a signal indicating that it is a geo-fencing area acquired at the airport. It can be configured by combining them in such a way. Here, the information that can be obtained at the returnable place is, for example, an image that changes at a predetermined time or pattern according to a rule that the beacon device has promised in advance with the refund operation server 706, a QR code, or the like. corresponds to The refund operation server 706 that has received the return result information according to an embodiment of the present disclosure configured as described above, based on the return result information in step 738, checks whether the refund condition of the corresponding product is satisfied, Refund processing is performed according to the confirmation result, and processing result information is transmitted to the personal terminal 702 in step 740 . For example, the refund operation server 706 is located at a location where the return service is possible through the location information or image of the personal terminal 702 included in the product information obtained from the return result information. You can check whether there is Specifically, according to an embodiment, the refund operation server 706 may determine the reliability of the location information of the personal terminal 702 by checking the valid time of the authentication information included in the location information. Alternatively, according to an embodiment, the refund operation server 706 checks whether the item is located in a designated returnable place from a signal indicating that it is a geo-fencing area included in the image transmitted by the personal terminal 702, and , when it is confirmed that the product is located in a designated returnable place, a refund process for the product may be performed, and result information may be generated. Result information of the refund processing according to an embodiment of the present disclosure may be directly transmitted to the personal terminal 702 in the form of an electronic document that the personal terminal 702 can store. Alternatively, according to an embodiment, the result information of the refund processing may be obtained by tagging with a kiosk installed at a place where the personal terminal 702 returned the product based on NFC or RFID. According to an embodiment, the return result information may be obtained based on a message (eg, SMS, etc.) provided by the kiosk or the refund operation server 706 .

As a result, as the personal terminal 702 that has received the result information displays the refund processing result successfully processed on the personal terminal 702 through the downloaded application, a separate time generated for the refund service can save

8A is an example of an operation flowchart of a personal terminal according to an embodiment of the present disclosure.

Referring to FIG. 8A , in step 800, the personal terminal performs a payment for purchasing an item with a store terminal installed in a store that has subscribed to the location-based service, and obtains result information on the payment. When the personal terminal supports a mobile payment function, the payment may be performed through a mobile payment. The result information on the payment may be obtained by tagging the store terminal by the personal terminal based on NFC or RFID. Alternatively, according to another embodiment, the result information may be acquired based on SNS. According to another embodiment, the store terminal may operate as a beacon device that transmits, for example, a beacon including a location of the store, information on items to be sold, price information, and sale information. In this case, the result information may be received in the form of a beacon transmitted by the store terminal. Here, the result information may include payment information including purchase details of goods purchased through the payment according to an embodiment of the present disclosure, and the store information. The payment information may include an item of the product, a purchase date, a purchase price, and the like, and the store information may include a name of the store, location information, and a business name. According to an embodiment, the payment information may further include a link providing a connection to a refund operation server providing the tax refund service, or application information providing a tax refund service provided by the refund operation server. . According to the embodiment of FIG. 4 , the payment information may be received by being mapped with service request indication information of a corresponding location-based service. In this case, the personal terminal does not transmit the service request in step 802, but rather the service request indication information. can be sent.

In step 802, the personal terminal transmits a service request including personal information for the location-based service and the payment history information to the server providing the location-based service. Here, the location-based service corresponds to the tax refund service or return service described above, and accordingly, the server providing the location-based service corresponds to the refund operation server 108 of FIG. 1A or the server 706 of FIG. 7B . According to the embodiment of FIG. 3 , the service request may be transmitted to a corresponding server through the store terminal.

In step 804, the personal terminal transmits location information indicating that the location-based service is located in an available area, together with the personal information and the payment history information, to the corresponding server. Here, as a specific example, when the location-based service is a tax refund service according to the embodiment of FIG. 1A , the area where the location-based service can be provided corresponds to an airport to which the user of the personal terminal departs, and the embodiment of FIG. 7A Accordingly, when the location-based service is a return service, it may correspond to an area where a kiosk providing a return service subscribed to by the store where the individual user purchased the product is installed. According to the embodiment of FIG. 2 , when the personal terminal transmits the location information together with the personal information and the payment history information to the corresponding server, the personal terminal may also transmit the location information to the server through a kiosk installed at the airport.

In step 806, the personal terminal receives, from the server, a service processing result indicating whether the location-based service corresponding to the service request can be provided. The service processing result may also be transmitted from a server or from the server through a kiosk according to an embodiment, and may correspond to a tax refund or return processing result from the server or the kiosk.

8B is an example of a block diagram of a personal terminal according to an embodiment of the present disclosure.

Referring to FIG. 8B , the personal terminal 810 includes, for example, a control unit 812 , a transceiver 814 , a location-based service request unit 816 , and an information configuration unit 818 . The configuration of such a personal terminal is only described as an example, and each configuration may be subdivided or integrated into one unit according to the intention of the operator or the corresponding embodiment.

The controller 812 controls the remaining components for overall operations of the personal terminal according to the embodiment of FIGS. 1A to 7B . The transceiver 814 transmits and receives the information described with reference to FIG. 8A according to the instruction of the control unit 812 . In addition, the location-based service request unit 816 determines whether to perform a tax refund service or a return service according to an embodiment, generates a determined service request, and transmits the generated service request to the transceiver 814 . The information configuration unit 818 may configure information transmitted by the personal terminal according to embodiments of the present disclosure.

9A is an example of an operation flowchart of a store terminal according to an embodiment of the present disclosure. Here, the store terminal is a device installed in a store subscribed to a payment-linked location-based service according to an embodiment of the present disclosure.

Referring to FIG. 9A , in step 902 , the store terminal receives a payment request including payment method information from the personal terminal. Then, in step 904, the store terminal connects to a financial server corresponding to the payment method information and performs payment to generate result information on payment of the purchased product. Here, since the result information is the same as the result information for the payment described in FIG. 8A , a redundant description will be omitted. According to the embodiment of FIG. 4 , when the store terminal generates the result information, the process includes mapping and configuring the location-based service service request indication information, and configures the result information mapped with the service request indication information to the location. It is sent to the server that provides the base service. Here, the server providing the location-based service corresponds to the refund operation server or the server 706 of FIG. 7B providing the return service according to an embodiment.

In step 906, the store terminal transmits the result information on the payment to the personal terminal.

Meanwhile, according to the embodiment of FIG. 3 , the store terminal may receive a service request including personal information for the location-based service and the payment result information from the personal terminal and transmit it to the server providing the location-based service.

9B is an example of a block configuration diagram of a store terminal according to an embodiment of the present disclosure.

Referring to FIG. 9B , the store terminal 910 includes, for example, a controller 912 , a transceiver 914 , and a payment related information configuration unit 916 . The controller 912 controls the operations of the remaining components for the overall operation of the store terminal according to embodiments of the present disclosure. The payment-related information configuration unit 916 configures result information for payment according to the instruction from the control unit 912, and at this time, according to the embodiment of FIG. 4 , service request instruction information, for example, a tax refund service request instruction It can be organized by mapping information. Here, since the result information is the same as the result information for the payment described in FIG. 8A , a redundant description will be omitted. Alternatively, it may be configured by mapping return request indication information according to the embodiment of FIG. 7B .

Then, the transceiver 914 transmits the result information to the personal terminal or the corresponding server according to the instruction of the control unit 912 .

10 is an example of an operation flowchart of a kiosk according to an embodiment of the present disclosure. Here, the kiosk corresponds to an unmanned terminal installed in an area providing a payment-linked location-based service according to an embodiment of the present disclosure. As a specific example, the kiosk may be installed in an airport to provide a tax refund service according to an embodiment of the present disclosure or located in a corresponding area to support a return service for each store subscribed to the return service according to an embodiment of the present disclosure have.

Referring to FIG. 10 , in step 1000, the kiosk provides location information indicating that the location-based service is located in an area where the location-based service can be provided from the personal terminal, and the result of payment for goods purchased at a store subscribing to the location-based service. Receive a service request containing information. In step 1002, the kiosk transmits the service request to a server providing a location-based service corresponding to the service request. And, when the kiosk receives a service processing result indicating whether the location-based service can be provided in response to the service request from the server in step 1004, after providing the location-based service to the personal terminal in step 1006 notify the result. According to an embodiment of the present disclosure, the kiosk generates and broadcasts specific information, for example, an image, a QR code, etc. that changes at a predetermined time or pattern, that is, a rule agreed in advance with the server providing the location-based service. can Accordingly, the location information is configured including the specific information. The service processing result is determined to be successfully processed when the location information at which the server can provide the location service matches the location information.

Certain aspects of the present disclosure may also be embodied as computer readable code on a computer readable recording medium. A computer readable recording medium is any data storage device capable of storing data that can be read by a computer system. Examples of the computer readable recording medium include read only memory (ROM, hereinafter referred to as 'ROM') and random access memory (RAM, hereinafter referred to as 'RAM'). with compact disk-read only memories (CD-ROMs), magnetic tapes, floppy disks, optical data storage devices, and carrier wave (carrier waves) (such as data transmission over the Internet). The computer readable recording medium may also be distributed over network-connected computer systems, so that the computer readable code is stored and executed in a distributed manner. In addition, functional programs, code, and code segments for accomplishing the present disclosure may be readily interpreted by programmers skilled in the art to which the present disclosure is applied.

It will also be appreciated that the apparatus and method according to an embodiment of the present disclosure may be realized in the form of hardware, software, or a combination of hardware and software. Any such software, for example, whether erasable or rewritable, may contain a volatile or non-volatile storage device such as a ROM, or a memory such as, for example, RAM, a memory chip, device or integrated circuit. , or, for example, a compact disk (CD), DVD, magnetic disk or magnetic tape, etc., which is optically or magnetically writable and machine (eg computer) readable storage medium. have. The method according to an embodiment of the present disclosure may be implemented by a computer or portable terminal including a control unit and a memory, wherein the memory is suitable for storing a program or programs including instructions for implementing embodiments of the present disclosure You will see that it is an example of a machine-readable storage medium.

Accordingly, the present disclosure includes a program including code for implementing the apparatus or method described in any claim of the present specification, and a machine (computer, etc.) readable storage medium storing such a program. Also, such a program may be transmitted electronically over any medium, such as a communication signal transmitted over a wired or wireless connection, and the present disclosure suitably includes the equivalents thereto.

Also, the device according to an embodiment of the present disclosure may receive and store the program from a program providing device connected by wire or wirelessly. The program providing device may include a program including instructions for causing the program processing device to perform a preset content protection method, a memory for storing information necessary for the content protection method, and wired or wireless communication with the graphic processing device. It may include a communication unit for performing the operation, and a control unit for automatically transmitting the corresponding program to the transceiver at the request of the graphic processing device or automatically.

Meanwhile, although specific embodiments have been described in the detailed description of the present disclosure, various modifications are possible without departing from the scope of the present disclosure. Therefore, the scope of the present disclosure should not be limited to the described embodiments and should be defined by the claims described below as well as the claims and equivalents.

Claims (32)

In a method for a mobile terminal to request a payment-related location-based service,
obtaining payment information for goods purchased at a store subscribed to the payment-linked location-based service;
obtaining service request indication information of the payment-linked location-based service included in the payment information;
in response to obtaining the service request indication information, mapping the payment information to the service request indication information and transmitting the mapping information to a server;
The process of transmitting, to the server, export information about the purchased product including location information indicating that the payment-linked location-based service is located in an area where the payment-linked location-based service can be provided - The location information is capable of providing the payment-linked location-based service configured based on information obtained from a beacon device installed in the area and broadcasting location-related information of the area; and
Receiving the processing result of the payment-linked location-based service corresponding to the service request from the server - The processing result includes the first information of the area capable of providing the payment-related location-based service stored in the server in advance and the Determined based on whether the location information transmitted from the mobile terminal matches
Way.
delete delete delete delete delete delete delete delete In the method for providing the payment-linked location-based service by an unmanned terminal installed in an area providing a payment-linked location-based service,
receiving payment information mapped to service request indication information of the payment-linked location-based service from a mobile terminal;
A server that receives, from the mobile terminal, export information about a purchased product including location information indicating that the mobile terminal is located in an area where the payment-related location-based service can be provided, and provides the payment-linked location-based service a process of transmitting the location information to a location information configured based on information obtained from a beacon device that is installed in the area capable of providing the location-based service and broadcasts location-related information of the area; and
Receiving the processing result of the payment-linked location-based service corresponding to the service request from the server - The service processing result includes first information of the area capable of providing the payment-linked location-based service stored in advance in the server and Determined based on whether the location information transmitted from the mobile terminal matches
Way.
delete delete delete delete delete delete In the mobile terminal requesting a payment-related location-based service,
transceiver; and
a controller coupled to the transceiver;
The controller is
Acquire payment information for goods purchased at a store subscribed to the payment-linked location-based service,
Obtaining service request indication information of the payment-linked location-based service included in the payment information,
In response to obtaining the service request indication information, the payment information is mapped to the service request indication information and transmitted to the server,
and transmits, to the server, export information about the purchased product including location information indicating that the payment link is located in an area where the location-based service can be provided, and the location information is the area where the location-based service can be provided. is installed on the basis of information obtained from a beacon device that broadcasts location-related information of the area -, and
configured to receive, from the server, a processing result of the payment-linked location-based service corresponding to the service request, the processing result comprising first information of the area capable of providing the payment-related location-based service stored in advance in the server; Determined based on whether the location information transmitted from the mobile terminal matches -,
mobile terminal.
18. The method of claim 17,
The controller is
and a mobile terminal configured to transmit the service request to the server through a store device installed in a store and providing the payment information.
delete 18. The method of claim 17,
The controller is
When the mobile terminal moves to the area, the mobile terminal is configured to transmit the export information to the server through a kiosk installed in the area and broadcasting information related to the payment-related location-based service.
18. The method of claim 17,
The controller is
When the service request is transmitted, it is installed in the store and transmitted to the server through a store device that provides the payment information, and when the mobile terminal moves to the area, it is installed in the area and the payment-related location-based service A mobile terminal configured to transmit the export information to the server through a kiosk that broadcasts related information.
delete 18. The method of claim 17,
The location information is
The beacon device is configured to include information generated according to a rule negotiated in advance with the server.
delete 18. The method of claim 17,
The payment-linked location-based service is a mobile terminal that is one of a tax refund service for the purchased product and an exchange or refund service for the purchased product.
In the unmanned terminal providing a payment-linked location-based service,
transceiver; and
a controller coupled to the transceiver;
The controller is
Receive payment information mapped to service request indication information of the payment-linked location-based service from the mobile terminal,
A server that receives, from the mobile terminal, export information about a purchased product including location information indicating that the mobile terminal is located in an area where the payment-related location-based service can be provided, and provides the payment-linked location-based service and - the location information is configured based on information obtained from a beacon device that is installed in the area capable of providing the location-based service and broadcasts location-related information of the area - and
configured to receive, from the server, a processing result of the payment-linked location-based service corresponding to the service request, the service processing result being stored in advance in the server, first information of the area capable of providing the payment-related location-based service and determined based on whether the location information transmitted from the mobile terminal matches - ,
unmanned terminal.
delete 27. The method of claim 26,
The location information is
The beacon device is an unmanned terminal configured to include information generated according to a rule negotiated in advance with the server.
delete delete delete delete

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