KR102470816B1 - User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded therefor - Google Patents

Abstract

The present invention discloses a user device, a service providing device, a POS terminal, a payment system including the same, a control method thereof, and a recording medium on which a computer program is recorded. That is, in the present invention, a user device entering a store receives identification information of a beacon transmitted from a beacon provided in the store, the user device transmits a PIN number according to a user input to a service providing device, and the transmitted PIN number After receiving the one-time token corresponding to the user device, the user device generates a barcode or QR code including identification information of the token and the user device, and when a preset payment method is selected for the product to be paid, Based on the barcode information or QR code information corresponding to the barcode or QR code generated by the user device in the POS terminal, the payment function is performed by interworking with the service providing device, payment server, user device, etc. The user's convenience can be improved by solving the payment function with benefits applied at once, and the user's satisfaction can be increased according to the simple payment.

Description

A user device, a service providing device, a POS terminal, a payment system including the same, a control method thereof, and a recording medium on which a computer program is recorded medium having computer program recorded therefor}

The present invention relates to a user device, a service providing device, a POS terminal, a payment system including the same, a control method thereof, and a recording medium on which a computer program is recorded, and in particular, transmission from a beacon provided in a store from a user device entering a store. Receives the identification information of the beacon, transmits the PIN number according to the user input from the user device to the service providing device, receives the one-time token corresponding to the transmitted PIN number from the user device, and then the user device receives the token and A barcode or QR code including identification information of the user device is generated, and when a preset payment method is selected for a product to be paid for, the barcode information or QR code corresponding to the barcode or QR code generated by the user device at the POS terminal A user device that performs a payment function by interworking with a service providing device, a payment server, a user device, etc. based on code information, a service providing device, a POS terminal, a payment system including the same, a control method thereof, and a record in which a computer program is recorded. It's about the media.

A beacon or wireless hub installed in a store transmits a wireless signal such as a BLE beacon signal for promotion of the store or service, and a user device adjacent to the beacon or wireless hub transmits a wireless signal transmitted from the beacon or wireless hub and performs a function of displaying information included in the received radio signal.

Such a user device simply receives and displays information provided by a store, making it difficult to perform additional service functions based on information provided by a corresponding store.

Korean Patent Publication No. 10-2015-0002067 [Title: Payment service method, terminal and server using app-type mobile card]

An object of the present invention is to receive identification information of a beacon transmitted from a beacon provided in the store in a user device entering a store, transmit a PIN number according to a user input from the user device to a service providing device, and transmit the PIN number transmitted from the user device. After receiving the one-time token corresponding to the user device, the user device generates a barcode or QR code including identification information of the token and the user device, and when a preset payment method is selected for the product to be paid, A user device or service providing device that performs a payment function by interworking with a service providing device, payment server, user device, etc. based on barcode information or QR code information corresponding to the barcode or QR code generated by the user device in the POS terminal To provide a POS terminal, a payment system including the same, a control method thereof, and a recording medium on which a computer program is recorded.

A payment system according to an embodiment of the present invention includes a service providing device that provides advertisement information and benefit information and verifies the validity of an issued token; To receive a token transmitted from the service providing device in response to the type of payment card sent to the service providing device, personal identification number (PIN number) and identification information of the user device, and to receive a barcode or QR code containing the token and the identification information of the user device. a user device that generates a code and provides barcode information corresponding to the generated barcode or QR code information corresponding to the generated QR code; Scan one or more products to be paid, receive barcode information or QR code information provided from the user device, scan product information about one or more products to be paid, received barcode information or QR code information, and identification information of the POS terminal POS terminal that transmits; And barcode information or QR code information transmitted from the POS terminal is transmitted to the service providing device, and when the token in the transmitted barcode information or QR code information is valid, based on the card information, user information and benefit information transmitted from the service providing device It may include a payment server that performs a payment function for one or more products to be paid.

As an example related to the present invention, the user device transmits the identification information of the beacon transmitted from the beacon in the store and the identification information of the user device to the service providing device, one or more advertisement information provided from the service providing device, one or more benefit information and It is possible to output a list of recommended cards including one or more recommended cards to which benefit information can be applied among a plurality of cards issued to the user device, check the type of payment card selected by the user, and receive a PIN number according to user input. .

As an example related to the present invention, the service providing device, based on the identification information of the beacon transmitted from the user device and the identification information of the user device, when the user of the user device is a pre-registered member, a plurality of pre-stored advertisement information and a plurality of Among the benefit information, one or more advertisement information and one or more benefit information that can be provided to the user device in the store corresponding to the identification information of the beacon may be checked, and the identified one or more advertisement information and one or more benefit information may be provided to the user device. .

As an example related to the present invention, when the POS terminal is not connected to the user device, it recognizes a barcode or QR code displayed on the user device and responds to the barcode information corresponding to the recognized barcode information or the recognized QR code information. QR code information can be checked.

As an example related to the present invention, the card information includes at least one of a card number, an expiration date, a card verification code (CVC) number, and a user name, and the user information includes at least one of a user name, date of birth, address, and image, , The benefit information may include at least one of coupon information, membership benefit information, and discount benefit information.

A control method of a payment system according to an embodiment of the present invention includes receiving identification information of a beacon transmitted from a beacon through a user device; When the user corresponding to the user device is a pre-registered member based on the identification information of the beacon transmitted from the user device and the identification information of the user device through the service providing device, among a plurality of pre-stored advertisement information and a plurality of benefit information Transmitting, to a user device, a recommendation card list including one or more identified advertisement information, one or more benefit information, and one or more recommendation cards to which the benefit information can be applied; receiving, through a user device, a payment card type and a PIN number according to user selection; Transmitting a payment card type, a PIN number, and user device identification information to a service providing device via a user device; transmitting a token corresponding to the PIN number provided from the user device to the user device through the service providing device; and generating a barcode or QR code including identification information of the token transmitted from the service providing device and the user device through the user device.

After scanning one or more products to be paid through a POS terminal as an example related to the present invention, receiving barcode information or QR code information provided from a user device; Transmitting, through the payment server, barcode information or QR code information among one or more products to be paid information, barcode information or QR code information transmitted from the POS terminal and identification information of the POS terminal to a service providing device; Checking whether the token in the barcode information or the QR code information is valid through the service providing device; As a result of verification, when the token in the barcode information or QR code information is valid, the card information, user information, and benefit information corresponding to the identification information of the user device in the barcode information or QR code information are transmitted to the payment server via the service providing device. doing; performing a payment function for a payment amount corresponding to at least one product information to be paid based on card information, user information, and benefit information transmitted from a service providing device through a payment server; Transmitting the result of performing the payment function to the POS terminal through the payment server; and displaying a result of performing the payment function through the POS terminal.

After scanning one or more products to be paid through a POS terminal as an example related to the present invention, recognizing a barcode or QR code displayed on a user device; Checking barcode information corresponding to the recognized barcode information or QR code information corresponding to the recognized QR code information through the POS terminal; Transmitting, through the payment server, barcode information or QR code information among one or more products to be paid information, barcode information or QR code information transmitted from the POS terminal and identification information of the POS terminal to a service providing device; Checking whether the token in the barcode information or the QR code information is valid through the service providing device; As a result of verification, when the token in the barcode information or QR code information is valid, the card information, user information, and benefit information corresponding to the identification information of the user device in the barcode information or QR code information are transmitted to the payment server via the service providing device. doing; performing a payment function for a payment amount corresponding to at least one product information to be paid based on card information, user information, and benefit information transmitted from a service providing device through a payment server; Transmitting the result of performing the payment function to the POS terminal through the payment server; and displaying a result of performing the payment function through the POS terminal.

As an example related to the present invention, the step of transmitting the identified one or more advertisement information, one or more benefit information, and a recommendation card list to the user device includes a beacon among a plurality of previously stored advertisement information and a plurality of benefit information through the service providing device. A process of checking one or more advertisement information and one or more benefit information that can be provided to a user device in a store corresponding to the identification information of; generating a recommendation card list including one or more recommendation cards to which benefit information can be applied among a plurality of cards issued to a user device through a service providing device; and transmitting the identified one or more advertisement information, one or more benefit information, and a recommendation card list to the user device through the service providing device.

A computer program for performing the method according to the above-described embodiment may be stored in a recording medium on which a computer program according to an embodiment of the present invention is recorded.

In the present invention, a user device entering a store receives identification information of a beacon transmitted from a beacon provided in the corresponding store, the user device transmits a PIN number according to a user input to a service providing device, and responds to the transmitted PIN number. After receiving a one-time token to the user device, the user device generates a barcode or QR code including identification information of the token and the user device, and when a preset payment method is selected for the product to be paid, the POS terminal Based on the barcode information or QR code information corresponding to the barcode or QR code generated by the user device, the payment function is performed by linking with the service providing device, payment server, user device, etc. There is an effect of improving user convenience by solving the applied payment function at once and increasing user satisfaction according to simple payment.

1 is a block diagram showing the configuration of a payment system according to an embodiment of the present invention.
Figure 2 is It is a block diagram showing the configuration of a user device according to an embodiment of the present invention.
3 to 5 are It is a flowchart showing a control method of a payment system according to an embodiment of the present invention.
6 is a diagram illustrating a screen of a user device according to an embodiment of the present invention.
7 is a diagram showing a screen of a POS terminal according to an embodiment of the present invention.

It should be noted that technical terms used in the present invention are only used to describe specific embodiments and are not intended to limit the present invention. In addition, technical terms used in the present invention should be interpreted in terms commonly understood by those of ordinary skill in the art to which the present invention belongs, unless specifically defined otherwise in the present invention, and are excessively inclusive. It should not be interpreted in a positive sense or in an excessively reduced sense. In addition, when the technical terms used in the present invention are erroneous technical terms that do not accurately express the spirit of the present invention, they should be replaced with technical terms that those skilled in the art can correctly understand. In addition, general terms used in the present invention should be interpreted as defined in advance or according to context, and should not be interpreted in an excessively reduced sense.

Also, singular expressions used in the present invention include plural expressions unless the context clearly dictates otherwise. Terms such as "consisting of" or "comprising" in the present invention should not be construed as necessarily including all of the various elements or steps described in the invention, and some of the elements or steps may not be included. It should be construed that it may, or may further include additional components or steps.

In addition, terms including ordinal numbers such as first and second used in the present invention may be used to describe components, but components should not be limited by the terms. Terms are used only to distinguish one component from another. For example, a first element may be termed a second element, and similarly, a second element may be termed a first element, without departing from the scope of the present invention.

Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the accompanying drawings, but the same or similar components are given the same reference numerals regardless of reference numerals, and redundant description thereof will be omitted.

In addition, in describing the present invention, if it is determined that a detailed description of a related known technology may obscure the gist of the present invention, the detailed description will be omitted. In addition, it should be noted that the accompanying drawings are only for easily understanding the spirit of the present invention, and should not be construed as limiting the spirit of the present invention by the accompanying drawings.

1 is a block diagram showing the configuration of a payment system 10 according to an embodiment of the present invention.

As shown in FIG. 1 , the payment system 10 is composed of a user device 100 , a beacon 200 , a service providing device 300 , a POS terminal 400 and a payment server 500 . Not all of the components of the payment system 10 shown in FIG. 1 are essential components, and the payment system 10 may be implemented by more components than those shown in FIG. The payment system 10 may also be implemented by

When the user device 100 enters the store, the user device 100 transmits unique identification information of the beacon 200 transmitted from the beacon 200, identification information of the user device 100, and the like to the service providing device 300. and displays one or more advertisement information, one or more benefit information, a recommendation card list, etc. transmitted from the service providing device 300 in response thereto. Thereafter, the user device 100 transmits the payment card type, PIN number, identification information of the user device 100, etc. according to the user input to the service providing device 300, and in response, the service providing device 300 A barcode (or QR code) is generated based on the transmitted token and identification information of the user device 100 . Thereafter, after the POS terminal 400 recognizes the scanning of the product to be paid for one or more products to be paid selected by the user of the user device 100, the POS terminal 400 receives the barcode information transmitted from the user device 100. (or QR code information), one or more product information to be paid, identification information of the POS terminal 400, etc. are transmitted to the payment server 500. Then, the payment server 500 transmits barcode information to the service providing device 300 . Thereafter, the service providing device 300 checks whether the token included in the barcode information is valid based on the barcode information transmitted from the payment server 500, and if the token is valid, the user device 100 in the barcode information Card information, user information, benefit information, etc. corresponding to the identification information of are transmitted to the payment server 500. Thereafter, the payment server 500 functions to pay for one or more products to be paid based on card information, user information, benefit information, etc. transmitted from the service providing device 300 in response to the previously transmitted barcode information. and provides the result of performing the payment function to the user device 100 through the POS terminal 400 .

The user device 100 includes a smart phone, a portable terminal, a mobile terminal, a personal digital assistant (PDA), a portable multimedia player (PMP) terminal, and telematics. Terminal, navigation terminal, personal computer, notebook computer, slate PC, tablet PC, ultrabook, wearable device (e.g., watch type Terminals (Smartwatch), glass-type terminals (Smart Glass), HMD (Head Mounted Display), etc.), Wibro terminals, IPTV (Internet Protocol Television) terminals, smart TVs, digital broadcasting terminals, televisions (Television), 3D It can be applied to various terminals such as televisions, home theater systems, audio video navigation (AVN) terminals, audio/video (A/V) systems, and flexible terminals.

As shown in FIG. 2, the user device 100 includes a user device communication unit 110, a user device storage unit 120, a user device display unit 130, a user device audio output unit 140, and a user device control unit 150. ) is composed of Not all of the components of the user device 100 shown in FIG. 2 are essential components, and the user device 100 may be implemented with more components than those shown in FIG. 2 or fewer components. The user device 100 may also be implemented by

The user device communication unit 110 communicates with any internal component or at least one external terminal through a wired/wireless communication network. At this time, any external terminal may include the beacon 200, the service providing device 300, the POS terminal 400, the payment server 500, and the like. Here, wireless Internet technologies include Wireless LAN (WLAN), DLNA (Digital Living Network Alliance), Wireless Broadband (Wibro), WiMAX (World Interoperability for Microwave Access: Wimax), HSDPA (High Speed Downlink Packet Access) ), High Speed Uplink Packet Access (HSUPA), IEEE 802.16, Long Term Evolution (LTE), Long Term Evolution-Advanced (LTE-A), Wireless Mobile Broadband Service (WMBS), etc. In addition, the user device communication unit 110 transmits and receives data according to at least one wireless Internet technology within a range including Internet technologies not listed above. In addition, short-range communication technologies include Bluetooth, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB), ZigBee, and Near Field Communication (NFC). , Ultra Sound Communication (USC), Visible Light Communication (VLC), Wi-Fi, Wi-Fi Direct, and the like may be included. In addition, wired communication technologies may include power line communication (PLC), USB communication, Ethernet, serial communication, optical/coaxial cables, and the like.

In addition, the user device communication unit 110 may mutually transmit information with an arbitrary terminal through a universal serial bus (USB).

In addition, the user device communication unit 110 complies with technical standards or communication methods for mobile communication (eg, Global System for Mobile communication (GSM), Code Division Multi Access (CDMA), Code Division Multi Access 2000 (CDMA2000), EV-DO (Enhanced Voice-Data Optimized or Enhanced Voice-Data Only), WCDMA (Wideband CDMA), HSDPA (High Speed Downlink Packet Access), HSUPA (High Speed Uplink Packet Access), LTE (Long Term Evolution), LTE- A (Long Term Evolution-Advanced), etc.) transmits and receives radio signals with a base station, a beacon 200, a service providing device 300, a POS terminal 400, a payment server 500, etc. on a mobile communication network.

In addition, the user device communication unit 110 transmits the identification information of the beacon 200 transmitted from the beacon 200 under the control of the user device control unit 150 (or the unique identification information of the store equipped with the corresponding beacon 200). ) is received.

The user device storage unit 120 stores various user interfaces (UI), graphic user interfaces (GUI), and the like.

In addition, the user device storage unit 120 stores data and programs necessary for the user device 100 to operate.

That is, the user device storage unit 120 may store a plurality of application programs (application programs or applications) running in the user device 100, data for operating the user device 100, and commands. At least some of these application programs may be downloaded from an external service providing device through wireless communication. In addition, at least some of these application programs may exist on the user device 100 from the time of shipment for the basic functions of the user device 100 (eg, incoming and outgoing calls, outgoing functions, receiving and sending messages). Meanwhile, the application program may be stored in the user device storage unit 120, installed in the user device 100, and driven by the user device control unit 150 to perform an operation (or function) of the user device 100. have.

In addition, the user device storage unit 120 may be a flash memory type, a hard disk type, a multimedia card micro type, or a card type memory (eg, SD or XD memory, etc.), magnetic memory, magnetic disk, optical disk, RAM (Random Access Memory: RAM), SRAM (Static Random Access Memory), ROM (Read-Only Memory: ROM), EEPROM (Electrically Erasable Programmable Read-Only Memory) , PROM (Programmable Read-Only Memory) may include at least one storage medium. In addition, the user device 100 may operate a web storage that performs a storage function of the user device storage unit 120 on the Internet, or may operate in relation to the web storage.

In addition, the user device storage unit 120 receives the identification information of the corresponding beacon 200 received through the user device communication unit 110 under the control of the user device control unit 150 (or the location of the store equipped with the corresponding beacon 200). unique identification information).

The user device display unit 130 may display various contents such as various menu screens using a user interface and/or a graphic user interface stored in the user device storage unit 120 under the control of the user device controller 150. Here, the content displayed on the user device display unit 130 includes various text or image data (including various information data) and a menu screen including data such as icons, list menus, and combo boxes. Also, the user device display unit 130 may be a touch screen.

In addition, the user device display unit 130 includes a liquid crystal display (LCD), a thin film transistor liquid crystal display (TFT LCD), an organic light-emitting diode (OLED), and a flexible At least one of a flexible display, a 3D display, an e-ink display, and a light emitting diode (LED) may be included.

Also, the user device display unit 130 may be configured as a 3D display unit that displays a 3D image.

A 3D display method such as a stereoscopic method (glasses method), an auto stereoscopic method (non-glasses method), a projection method (holographic method) may be applied to the 3D display unit.

In addition, the user device display unit 130 displays the identification information of the corresponding beacon 200 received through the user device communication unit 110 under the control of the user device control unit 150 (or the uniqueness of the store equipped with the corresponding beacon 200). identification information).

The user device audio output unit 140 outputs audio information included in the signal processed by the user device control unit 150 as a predetermined signal. Here, the user device audio output unit 140 may include a receiver, a speaker, a buzzer, and the like.

In addition, the user device audio output unit 140 outputs the guidance voice generated by the user device control unit 150.

In addition, the user device audio output unit 140 receives the identification information of the corresponding beacon 200 received through the communication unit 110 under the control of the user device control unit 150 (or the unique information of the store equipped with the corresponding beacon 200). Identification information) outputs audio information corresponding to it.

The user device controller 150 executes overall control functions of the user device 100 .

In addition, the user device control unit 150 executes overall control functions of the user device 100 using programs and data stored in the user device storage unit 120 . The user device control unit 150 may include RAM, ROM, CPU, GPU, and a bus, and the RAM, ROM, CPU, and GPU may be connected to each other through a bus. The CPU can access the user device storage 120 and perform booting using the O/S stored in the user device storage 120, and various programs, contents, and data stored in the user device storage 120. Various operations can be performed using the etc.

In addition, the user device control unit 150 performs a membership sign-up procedure for a user of the corresponding user device 100 by interworking with the service providing device 300 .

In addition, when performing the membership sign-up procedure, the user device control unit 150 must complete the authentication function through a user authentication means (including, for example, a mobile phone, credit card, i-pin, e-mail, etc.) You can complete the registration process normally.

In addition, when a user carrying the user device 100 enters the store, the user device control unit 150 transmits the identification information of the corresponding beacon 200 transmitted from the beacon 200 (or the corresponding beacon 200 is provided). The user device communication unit 110 is controlled to receive store's unique identification information).

In addition, the user device control unit 150 transmits the received unique identification information of the beacon 200 (or unique identification information of the store equipped with the corresponding beacon 200), identification information of the user device 100, etc. to the user device communication unit ( 110) to the service providing device 300. Here, the identification information of the user device 100 includes MDN (Mobile Directory Number), mobile IP, mobile MAC, Sim (subscriber identity module: subscriber identity module) card-specific information, serial number, and the like.

In addition, when the user of the user device control unit 150 is not a member pre-registered in the corresponding service providing device 300, the user device control unit 150 provides guidance information related to member subscription provided from the service providing device 300. Based on this, a member registration procedure for the corresponding user device 100 (or the user of the corresponding user device 100) is performed.

In addition, when the user of the user device control unit 150 is a member pre-registered in the corresponding service providing device 300, the user device control unit 150 transmits the unique identification information of the transmitted beacon 200 (or the corresponding beacon 200). User device communication unit 110 transmits one or more advertisement information, one or more benefit information, a recommendation card list, etc. transmitted from the service providing device 300 in response to the unique identification information of the store provided therewith, identification information of the user device 100, and the like. ) is received through Here, benefit information includes coupon information, membership benefit information, discount benefit information, and the like. In addition, the recommended card list includes one or more cards to which the corresponding benefit information can be applied among a plurality of cards (or one or more cards) previously issued to the corresponding user device 100 .

In addition, the user device control unit 150 outputs one or more received advertisement information, benefit information, recommendation card list, etc. through the user device display unit 130 and/or the user device audio output unit 140.

In addition, the user device control unit 150 checks one payment card (or unique identification information of the payment card) selected from among a plurality of payment cards registered (or issued) to a specific app pre-installed on the corresponding user device 100. do.

In addition, the user device control unit 150 may check a payment card selected from the recommended card list transmitted from the service providing device 300 .

In addition, the user device control unit 150, based on the one or more benefit information provided from the service providing device 300, selects one or more cards to which the corresponding benefit information can be applied among a plurality of payment cards pre-registered in the corresponding user device 100. A corresponding recommendation card list including , and the created recommendation card list may be displayed on the display unit 130 of the user device. In addition, one payment card selected from the list of recommended cards displayed on the display unit 130 of the user device may be checked.

In addition, the user device controller 150 receives a personal identification number (PIN) according to a user input through a specific app pre-installed in the corresponding user device 100 . Here, the PIN number may be a PIN number corresponding to the identified payment card type.

In addition, the user device control unit 150 transmits the identified payment card type (or unique identification information of the payment card), PIN number, identification information of the user device 100, etc. to the service providing device 300 through the user device communication unit 110. ) is sent to

In addition, the user device control unit 150 receives the token transmitted from the service providing device 300 through the user device communication unit 110 in response to the previously transmitted PIN number.

In addition, the user device controller 150 generates a barcode (or quick response code (QR code)) including the received token (or token information) and identification information of the user device 100.

In addition, the user device control unit 150 stores the generated barcode (or QR code) in the user device storage unit 120.

In addition, when a payment method is selected as a preset method through a specific app pre-installed on the user device 100, the user device control unit 150 provides barcode information (or QR code) corresponding to the previously generated barcode (or QR code). information) is transmitted to the POS terminal 400 through the user device communication unit 110. Here, the barcode information corresponding to the barcode (or QR code information corresponding to the QR code) includes a token (or token information), identification information of the user device 100, and the like. At this time, the payment method includes cash payment, card payment, electronic payment, and the like, and the preset method may be electronic payment.

As such, when the user device 100 and the POS terminal 400 are connected through wired/wireless communication, barcode information (or QR code information) may be transmitted from the user device 100 to the POS terminal 400.

In addition, when the user device 100 and the POS terminal 400 are not connected through a wired/wireless communication method, the user of the user device 100 sets a preset value through a specific app pre-installed on the user device 100. When a payment method is selected, the barcode (or QR code) displayed on the user device display unit 130 may be recognized (or scanned/tagged) by the POS terminal 400 .

In addition, after the payment function is performed for one or more products to be paid selected by the user of the user device 100 based on the previously transmitted barcode information (or QR code information), the user device control unit 150 controls the previously transmitted In response to barcode information (or QR code information), a payment function performance result transmitted from the POS terminal 400 (or service providing device 300) is received through the user device communication unit 110.

In addition, the user device control unit 150 outputs the received result of performing the payment function through the user device display unit 130 and/or the user device audio output unit 140.

In addition, the user device 100 may further include an interface unit (not shown) that serves as an interface with all external devices connected to the user device 100 . For example, the interface unit includes a wired/wireless headset port, an external charger port, a wired/wireless data port, a memory card port, a port connecting a device having an identification module, audio I/O ( Input/Output) port, video I/O (Input/Output) port, earphone port, etc. Here, the identification module is a chip storing various information for authenticating the right to use the user device 100, and includes a user identity module (UIM), a subscriber identity module (SIM), and universal user authentication. module (Universal Subscriber Identity Module: USIM), etc. may be included. In addition, a device equipped with an identification module may be manufactured in the form of a smart card. Accordingly, the identification module may be connected to the user device 100 through the port. Such an interface unit receives data or power from an external device and transmits it to each component inside the user device 100 or transmits data inside the user device 100 to an external device.

In addition, when the user device 100 is connected to an external cradle, the interface unit becomes a passage through which power from the cradle is supplied to the corresponding user device 100, or various command signals input from the cradle by the user are transmitted to the corresponding user device. It can be a passage through which it is delivered to (100). Various command signals or corresponding power input from the cradle may operate as signals for recognizing that the user device 100 is correctly mounted on the cradle.

In addition, the user device 100 has an input unit for receiving a command or control signal generated by a user's manipulation of a button or selection of an arbitrary function, or a manipulation such as touching/scrolling a displayed screen ( not shown) may be further included.

The input unit is a means for receiving at least one of a user's command, selection, data, and information, and may include a plurality of input keys and function keys for receiving numeric or character information and setting various functions.

In addition, the input unit includes a key pad, a dome switch, a touch pad (static pressure/capacity), a touch screen, a jog wheel, a jog switch, a jog shuttle, and a mouse. Various devices such as a stylus pen, a touch pen, and the like may be used. In particular, when the user device display unit 130 is formed in the form of a touch screen, some or all of the input functions may be performed through the user device display unit 130.

Also, each component (or module) of the user device 100 may be software stored in the memory of the user device 100 (or the user device storage unit 120). The memory may be an internal memory of the user device 100, an external memory, or another type of storage device. Also, the memory may be a non-volatile memory. Software stored in the memory may include a command set that causes the user device 100 to perform a specific operation when executed.

The beacon 200 communicates with the user device 100 and the POS terminal 400.

In addition, the beacon 200 receives store information related to the store equipped with the corresponding beacon 200 transmitted from the POS terminal 400, unique identification information of the store equipped with the corresponding beacon 200, and the like.

In addition, the beacon 200 broadcasts (or transmits) store information, identification information of the corresponding beacon 200 (or unique identification information of the store equipped with the corresponding beacon 200), and the like.

The service providing device 300 communicates with the user device 100 , the POS terminal 400 , the payment server 500 , and the like.

In addition, the service providing device 300 includes a user device communication unit 110 included in the user device 100, a user device storage unit 120, a user device display unit 130, a user device audio output unit 140, and a user device. The control unit 150 may include a communication unit (not shown), a storage unit (not shown), a display unit (not shown), an audio output unit (not shown), and a control unit (not shown) respectively corresponding to the control unit 150 .

In addition, the service providing device 300 performs a member sign-up procedure for each user of the corresponding user device 100 by interworking with the user device 100 .

In addition, the service providing device 300 receives unique identification information of the beacon 200 transmitted from the user device 100, identification information of the user device 100, and the like.

In addition, the service providing device 300 is a member registered (or subscribed) to the corresponding service providing device 300 in advance by the user corresponding to the corresponding user device 100 based on the received identification information of the user device 100. It determines (or confirms) whether or not it is recognized.

As a result of the determination (or confirmation result), if the user corresponding to the corresponding user device 100 is not a member previously registered in the corresponding service providing device 300, the service providing device 300 sends guidance information related to member registration to the user device. Send to (100).

In addition, the service providing device 300 performs a membership registration procedure for the corresponding user device 100 (or a user of the user device 100) by interworking with the user device 100.

In addition, as a result of the determination (or confirmation result), if the user corresponding to the corresponding user device 100 is a member previously registered in the corresponding service providing device 300, the service providing device 300 receives the previously received corresponding beacon 200 One or more advertisements that can be provided to the user device 100 in a store equipped with the corresponding beacon 200 from among a plurality of pre-stored advertisement information and a plurality of benefit information based on the unique identification information of the user device 100 and the identification information of the user device 100. information, one or more benefit information, etc.

In addition, the service providing device 300 makes a recommendation including one or more recommendation cards to which the corresponding benefit information can be applied (or reflected) among a plurality of cards issued to the corresponding user device 100 based on the one or more identified benefit information. Create a list of cards. Here, benefit information includes coupon information, membership benefit information, discount benefit information, and the like.

In addition, the service providing device 300 lists one or more advertisement information, one or more benefit information, and one or more recommendation cards that can be provided to the corresponding user device 100 in a store equipped with the identified corresponding beacon 200. and the like to the user device 100.

That is, when the user corresponding to the corresponding user device 100 is a member pre-registered in the corresponding service providing device 300, the service providing device 300 includes the corresponding beacon ( 200) check store information corresponding to the unique identification information. In addition, the service providing device 300 checks one or more advertisement information, benefit information, etc. that can be provided to the user device 100 in the corresponding store based on the confirmed store information and the received identification information of the user device 100. . In addition, the service providing device 300 creates a recommendation card list including one or more cards to which the corresponding benefit information can be applied among a plurality of cards (or one or more cards) previously issued to the corresponding user device 100 . In addition, the service providing device 300 transmits one or more checked advertisement information, one or more benefit information, and a generated recommendation card list to the user device 100 .

In addition, the service providing device 300 receives payment card type, PIN number, and identification information of the user device 100 transmitted from the user device 100 .

In addition, the service providing device 300 generates a token (or one-time token, token information, temporary token) corresponding to the received PIN number. Here, the token is a temporary token, which is randomly generated corresponding to a PIN number, and may have a number of uses or a period of use set in advance. At this time, the service providing device 300 may generate a token corresponding to the received PIN number and payment card type.

In addition, the service providing device 300 manages (or stores) the generated token in association with the payment card type, PIN number, identification information of the user device 100, and the like.

In addition, the service providing device 300 transmits the generated token (or a token corresponding to a PIN number or a token corresponding to a PIN number and payment card type) to the user device 100 .

In addition, the service providing device 300, in relation to one or more products to be paid selected by the user of the user device 100, in order to perform an authentication function for the corresponding user before performing the payment function for the product, the payment server 500 ) and receives barcode information (or QR code information) transmitted from it.

In addition, the service providing device 300 checks whether the token in the barcode information (or QR code information) is valid based on the token in the received barcode information (or QR code information) and the identification information of the user device 100. do.

That is, the service providing device 300 determines the token in the received barcode information (or QR code information) and the identification information of the user device 100 in the identification information of the user device for each of a plurality of pre-stored (or issued in advance) tokens. Check whether the corresponding token and identification information of the user device are included (or exist).

In this way, the service providing device 300 may verify the validity of the issued token.

As a result of the check, within the identification information of the user device for each of a plurality of tokens previously stored in the service providing device 300, the token in the received barcode information (or QR code information) and the token corresponding to the identification information of the user device 100 and the user If the identification information of the device is not included, that is, if the token in the received barcode information (or QR code information) is not valid, the service providing device 300 transmits authentication failure information to the payment server 500.

In addition, as a result of the confirmation, within the identification information of the user device for each of a plurality of tokens previously stored in the service providing device 300, the token in the received barcode information (or QR code information) and the token corresponding to the identification information of the user device 100 And when the identification information of the user device is included, that is, when the token in the received barcode information (or QR code information) is valid, the service providing device 300 transmits the user device (in the received barcode information (or QR code information)) ( 100) transmits card information, user information, benefit information, etc. corresponding to the identification information to the payment server 500. At this time, the service providing device 300 is a payment card type associated with a valid token (or a PIN number and a PIN managed in conjunction with a corresponding payment card type/token identified on the basis of a token generated in response to the payment card type). Card information, user information, benefit information, etc. corresponding to the corresponding payment card type identified based on the number, payment card type, and identification information of the user device)) may be transmitted to the payment server 500 . Here, the card information includes a card number, an expiration date, a card verification code (CVC) number, a user name, and the like. Also, the user information includes a user name, date of birth, address, image, and the like. Also, benefit information includes coupon information, membership benefit information, discount benefit information, and the like.

That is, as a result of the verification, if the token in the received barcode information (or QR code information) is valid, the service providing device 300 responds to the identification information of the user device 100 in the received barcode information (or QR code information). In relation to the user (or the corresponding user device 100), check card information, user information, benefit information, etc. stored in advance in the corresponding service providing device 300, and pay the confirmed card information, user information, benefit information, etc. It is transmitted to the server 500. At this time, the service providing device 300 checks card information, user information, benefit information, etc. corresponding to the type of payment card previously transmitted from the user device 100, and pays the checked card information, user information, benefit information, etc. It may also be transmitted to the server 500.

In addition, the service providing device 300 receives a payment function execution result (or payment information) transmitted from the payment server 500 .

In addition, the service providing device 300 stores the received result of performing the payment function in conjunction with the identification information of the corresponding user device 100 .

In addition, the service providing device 300 may transmit the received result of performing the payment function to the user device 100 corresponding to the identification information of the corresponding user device 100 .

In addition, the service providing device 300 may be implemented in the form of a web server, database server, proxy server, or the like. In addition, one or more of a network load distribution mechanism or various software enabling the service providing device 300 to operate on the Internet or other networks may be installed in the service providing device 300, and through this, a computerized system may be installed. can be implemented Also, the network can be an http network, a private line, an intranet or any other network. Furthermore, the connection between the service providing device 300 and the user device 100 may be connected through a secure network to prevent data from being attacked by any hacker or other third party. In addition, the service providing device 300 may include a plurality of database servers, implemented in such a way that these database servers are separately connected to the service providing device 300 through any type of network connection including a distributed database server architecture. It can be.

In addition, a processor mounted in the user device 100 or the service providing device 300 according to the present invention may process program commands for executing the method according to the present invention. In one implementation example, the processor may be a single-threaded processor, and in another implementation example, the processor may be a multi-threaded processor. Furthermore, the present processor is capable of processing commands stored in a memory or storage device.

A Point of Sales (POS) terminal 400 communicates with the user device 100, the beacon 200, the service providing device 300, the payment server 500, and the like.

In addition, the POS terminal 400 includes a user device communication unit 110 included in the user device 100, a user device storage unit 120, a user device display unit 130, a user device audio output unit 140, and a user device control unit. A communication unit (not shown), a storage unit (not shown), a display unit (not shown), an audio output unit (not shown), and a control unit (not shown) corresponding to 150 may be included.

In addition, the POS terminal 400 transmits store information related to the store equipped with the corresponding beacon 200 (or the corresponding POS terminal), unique identification information of the store equipped with the corresponding beacon 200, etc. to the beacon 200 .

In addition, the POS terminal 400 scans (or recognizes a barcode attached to the product to be paid) for one or more products to be paid (or payment products) selected by the user of the user device 100. .

In addition, the POS terminal 400 displays product information about one or more scanned (or recognized) products to be paid. Here, the product information includes a product name, product unique code, unit price, quantity, amount, total amount, and the like.

In addition, when the user device 100 and the POS terminal 400 are not connected through a wired/wireless communication method, the user of the user device 100 sets a preset value through a specific app pre-installed on the user device 100. When a payment method is selected, the POS terminal 400 recognizes (or scans/tags) a barcode (or QR code) displayed on the corresponding user device 100 .

In addition, the POS terminal 400 receives barcode information (or QR code information) transmitted from the user device 100 .

In addition, when the POS terminal 400 recognizes a barcode (or QR code) displayed on the user device 100, the POS terminal 400 checks the recognized barcode information (or QR code information)

In addition, the POS terminal 400 displays or stores received (or confirmed) barcode information (or QR code information).

In addition, the POS terminal 400 transmits one or more product information to be paid (or recognized product information to be paid), barcode information (or QR code information), identification information of the POS terminal 400, etc. to the payment server 500. do.

In addition, the POS terminal 400 receives authentication failure information transmitted from the payment server 500 in response to barcode information (or QR code information) transmitted to the payment server 500 .

In addition, the POS terminal 400 displays the received authentication failure information.

In addition, the POS terminal 400 may transmit the received authentication failure information to the user device 100 .

In addition, immediately before performing the payment function for one or more products selected by the user of the user device 100 based on the barcode information (or QR code information) transmitted to the payment server 500, the POS terminal 400 performs a payment User information transmitted from the server 500 is received. Here, the user information includes a user name, date of birth, address, image, etc. related to the user corresponding to the identification information of the corresponding user device 100 .

Also, the POS terminal 400 displays the received user information.

In addition, the user of the POS terminal 400 checks the image in the user information displayed on the corresponding POS terminal 400 and the user of the user device 100 who wants to pay for the product, and then the image in the user information and the corresponding user device ( When the users of 100) match, the POS terminal 400 receives information indicating user matching according to the user input of the POS terminal 400 .

In addition, the POS terminal 400 transmits information representing the received user match, identification information of the POS terminal 400, and the like to the payment server 500.

In addition, when the payment function for one or more products selected by the user of the user device 100 is normally performed based on the barcode information (or QR code information) transmitted to the payment server 500, the POS terminal 400 receives the payment function execution result (or payment information) transmitted from the payment server 500 in response to the barcode information (or QR code information) transmitted to the payment server 500. Here, the payment function execution result (or payment information) ) includes product name, unique product code, unit price, quantity, discount amount, coupon application, amount, total amount, payment date and time information, payment card type, etc.

In addition, the POS terminal 400 transmits the received result of performing the payment function to the user device 100 .

In addition, the POS terminal 400 may output the received result of performing the payment function through printed matter such as a receipt.

The payment server 500 communicates with the user device 100 , the service providing device 300 , and the POS terminal 400 .

In addition, the payment server 500 includes the user device communication unit 110 included in the user device 100, the user device storage unit 120, the user device display unit 130, the user device audio output unit 140, and the user device control unit. A communication unit (not shown), a storage unit (not shown), a display unit (not shown), an audio output unit (not shown), and a control unit (not shown) corresponding to 150 may be included.

In addition, the payment server 500 includes one or more product information to be paid (or recognized product information to be paid) transmitted from the POS terminal 400, barcode information (or QR code information), identification information of the POS terminal 400, etc. receive

In addition, the payment server 500 transmits the received barcode information (or QR code information) to the service providing device 300 in order to perform an authentication procedure related to the corresponding user device 100 .

In addition, when the token in the barcode information (or QR code information) transmitted to the service providing device 300 is not valid, the payment server 500 transmits the barcode information (or QR code information) transmitted to the service providing device 300. In response, authentication failure information transmitted from the service providing device 300 is received.

In addition, the payment server 500 transmits the received authentication failure information to the POS terminal 400 .

In addition, when the token in the barcode information (or QR code information) transmitted to the service providing device 300 is valid, the payment server 500 responds to the barcode information (or QR code information) transmitted to the service providing device 300. Card information, user information, benefit information transmitted from the service providing device 300 (or card information corresponding to the identification information of the user device 100 in the corresponding barcode information (or QR code information), user information, benefit information) receive etc.

In addition, the payment server 500 performs a payment function for a payment amount corresponding to one or more product information to be paid based on the received card information, user information, and benefit information. At this time, the payment server 500 provides benefits corresponding to the benefit information (or benefit information applicable to the user of the corresponding user device 100) transmitted from the service providing device 300 to the price information for one or more products to be paid. A payment function for the payment amount applied with the amount may be performed.

At this time, immediately before performing the payment function, the payment server 500 transmits user information transmitted from the service providing device 300 to the POS terminal 400 .

In addition, when the image in the user information and the user of the user device 100 who wants to pay for the corresponding product do not match, the payment server 500 transmits payment cancellation information for the corresponding one or more product information to the POS terminal 400. Alternatively, the payment function may be performed after performing an additional authentication procedure for the corresponding user device 100 .

In addition, when the image in the user information matches the user of the user device 100 who wants to pay for the product, the payment server 500 responds to the user information transmitted to the POS terminal 400 from the POS terminal 400. Receives transmitted information indicating user match, identification information of the POS terminal 400, and the like.

In addition, the payment server 500 may perform a payment function for a payment amount corresponding to one or more product information to be paid based on the received card information, user information, benefit information, and information indicating user matching.

In addition, the payment server 500 transmits the result of performing the payment function (or payment information) to the POS terminal 400, the service providing device 300, and the like. Here, the payment function execution result (or payment information) includes product name, product unique code, unit price, quantity, discount amount, coupon application, amount, total amount, payment date and time information, payment card type, and the like.

In this way, the user device entering the store receives the identification information of the beacon transmitted from the beacon provided in the corresponding store, the user device transmits the PIN number according to the user input to the service providing device, and responds to the transmitted PIN number. After receiving a one-time token to the user device, the user device generates a barcode or QR code including identification information of the token and the user device, and when a preset payment method is selected for the product to be paid, the POS terminal The payment function can be performed by interworking with a service providing device, a payment server, a user device, etc. based on barcode information or QR code information corresponding to a barcode or QR code generated by the corresponding user device.

Hereinafter, a method of controlling a payment system according to the present invention will be described in detail with reference to FIGS. 1 to 7 .

3 to 5 are flowcharts illustrating a control method of a payment system according to an embodiment of the present invention.

First, when a user carrying the user device 100 enters a store, the user device 100 receives the identification information of the corresponding beacon 200 transmitted from the beacon 200 (or the store equipped with the corresponding beacon 200). Unique identification information of) is received.

For example, when a user carrying the user device 100 enters a store A, the corresponding user device 100 transmits (or transmits) the beacon 200 from the beacon 200 provided in the store A. Receive identification information (S310).

Thereafter, the user device 100 transmits the received unique identification information of the beacon 200 (or the unique identification information of the store equipped with the corresponding beacon 200), identification information of the user device 100, and the like to the service providing device 300. ) is sent to Here, the identification information of the user device 100 includes MDN, mobile IP, mobile MAC, Sim (subscriber identification module) card unique information, serial number, and the like.

For example, the user device 100 uses the unique identification information of the previously received beacon 200 to notify (or notify) the service providing device 300 that the corresponding user device 100 has entered the store. The identification information of (100) is transmitted to the service providing device 300 (S320).

Thereafter, the service providing device 300 receives unique identification information of the beacon 200 transmitted from the user device 100, identification information of the user device 100, and the like.

In addition, the service providing device 300 is a member registered (or subscribed) to the corresponding service providing device 300 in advance by the user corresponding to the corresponding user device 100 based on the received identification information of the user device 100. It determines (or confirms) whether it is recognized or not.

For example, the service providing device 300 determines whether or not to sign up as a member based on the identification information of the user device 100 (S330).

As a result of the determination (or confirmation result), if the user corresponding to the corresponding user device 100 is not a member previously registered in the corresponding service providing device 300, the service providing device 300 sends guidance information related to member registration to the user device. Send to (100).

In addition, the service providing device 300 performs a membership registration procedure for the corresponding user device 100 (or a user of the user device 100) by interworking with the user device 100.

In addition, when the membership registration process for the corresponding user device 100 is normally completed, the following processes may be normally performed.

For example, when the corresponding user device 100 is not a member registered in advance with the corresponding service providing device 300, the service providing device 300 interlocks with the user device 100 based on information related to membership registration. The user device 100 performs a membership sign-up procedure (S340).

In addition, as a result of the determination (or confirmation result), if the user corresponding to the corresponding user device 100 is a member previously registered in the corresponding service providing device 300, the service providing device 300 receives the previously received corresponding beacon 200 One or more advertisements that can be provided to the user device 100 in a store equipped with the corresponding beacon 200 from among a plurality of pre-stored advertisement information and a plurality of benefit information based on the unique identification information of the user device 100 and the identification information of the user device 100. information, one or more benefit information, etc.

In addition, the service providing device 300 makes a recommendation including one or more recommendation cards to which the corresponding benefit information can be applied (or reflected) among a plurality of cards issued to the corresponding user device 100 based on the one or more identified benefit information. Create a list of cards. Here, benefit information includes coupon information, membership benefit information, discount benefit information, and the like.

In addition, the service providing device 300 lists one or more advertisement information, one or more benefit information, and one or more recommendation cards that can be provided to the corresponding user device 100 in a store equipped with the identified corresponding beacon 200. and the like to the user device 100.

That is, when the user corresponding to the corresponding user device 100 is a member pre-registered in the corresponding service providing device 300, the service providing device 300 includes the corresponding beacon ( 200) check store information corresponding to the unique identification information. In addition, the service providing device 300 checks one or more advertisement information, benefit information, etc. that can be provided to the user device 100 in the corresponding store based on the confirmed store information and the received identification information of the user device 100. . In addition, the service providing device 300 creates a recommendation card list including one or more cards to which the corresponding benefit information can be applied among a plurality of cards (or one or more cards) previously issued to the corresponding user device 100 . In addition, the service providing device 300 transmits one or more checked advertisement information, one or more benefit information, and a generated recommendation card list to the user device 100 .

For example, when the corresponding user device 100 is a member pre-registered in the corresponding service providing device 300, the service providing device 300 stores the corresponding beacon 200 among shop information for each unique identification information of a plurality of beacons stored in advance. Clothing store information corresponding to the unique identification information is checked. In addition, the service providing device 300 provides first to third advertisement information and first to third advertisement information that can be provided to the user device 100 from the corresponding clothing store based on the checked clothing store information and the identification information of the user device 100 . Second benefit information (eg, discount coupon information, membership benefit information, etc.) is checked. In addition, the service providing device 300 lists recommended cards including AA cards, BB cards, CC cards and DD cards to which the first and second benefit information can be applied among a plurality of cards issued to the corresponding user device 100 generate In addition, the service providing device 300 includes the identified first to third advertisement information, first to second benefit information (eg, discount coupon information, membership benefit information, etc.), AA card, BB card, CC card, and A list of recommended cards including DD cards is transmitted to the user device 100 (S350).

Thereafter, the user device 100 transmits one or more advertisement information, one or more benefit information, Receives a list of recommended cards, etc.

In addition, the user device 100 displays one or more received advertisement information, one or more benefit information, a recommendation card list, and the like.

For example, as shown in FIG. 6 , the user device 100 provides the first to third advertisement information 610 transmitted from the service providing device 300 and the first to second advertisement information 610 that can be provided at a corresponding clothing store. Benefit information (eg, discount coupon information, membership benefit information, etc.) 620 and a list of recommended cards (eg, AA card, BB card, CC card, and DD card included) 630 are displayed (S360).

Thereafter, the user device 100 receives the payment card type (or unique identification information of the payment card), PIN number (personal identification number) according to user input (or user selection) through a specific app pre-installed on the user device 100. receive etc.

That is, the user device 100 checks the type of payment card selected (or selected) according to a user input (or user selection) from among a plurality of cards pre-registered in the user device 100 . At this time, the user device 100 may check the payment card type (or unique identification information of the payment card) of the payment card selected from the recommended card list transmitted from the service providing device 300 .

In addition, the user device 100 receives a PIN number according to user input (or user selection) through a specific app pre-installed in the user device 100 . Here, the PIN number may be a PIN number corresponding to the identified payment card type.

In addition, the user device 100 transmits the identified payment card type (or unique identification information of the payment card), PIN number, identification information of the user device 100, and the like to the service providing device 300.

For example, the user device 100 checks one payment card selected from among a plurality of payment cards registered (or issued) in an electronic wallet app pre-installed in the corresponding user device 100 . In addition, the user device 100 receives a PIN number according to a user input through a corresponding electronic wallet app. In addition, the user device 100 transmits the confirmed payment card (or type of payment card), the received PIN number, and identification information of the user device 100 to the service providing device 300 .

As another example, the user device 100 checks one payment card selected from a list of recommended cards displayed on the corresponding user device 100 . In addition, the user device 100 receives a PIN number according to a user input through a corresponding electronic wallet app. In addition, the user device 100 transmits the checked payment card (or payment card type), the received PIN number, identification information of the user device 100, etc. to the service providing device 300 (S370).

Thereafter, the service providing device 300 receives the payment card type, PIN number, and identification information of the user device 100 transmitted from the user device 100 .

In addition, the service providing device 300 generates a token (or one-time token, token information, temporary token) corresponding to the received PIN number. Here, the token is a temporary token, which is randomly generated corresponding to a PIN number, and may have a number of uses or a period of use set in advance. At this time, the service providing device 300 may generate a token corresponding to the received PIN number and payment card type. In addition, the service providing device 300 manages (or stores) the generated token in association with the payment card type, PIN number, identification information of the user device 100, and the like.

In addition, the service providing device 300 transmits the generated token (or a token corresponding to a PIN number or a token corresponding to a PIN number and payment card type) to the user device 100 .

For example, the service providing device 300 generates an 11th token corresponding to the PIN number transmitted from the user device 100 and transmits the generated 11th token to the user device 100 .

As another example, the service providing device 300 generates a twelfth token corresponding to the PIN number and payment card type transmitted from the user device 100 and transmits the generated twelfth token to the user device 100 ( S380).

Thereafter, the user device 100 receives the token transmitted from the service providing device 300 in response to the previously transmitted PIN number.

In addition, the user device 100 generates a barcode (or QR code) including the received token (or token information) and identification information of the user device 100 .

For example, the user device 100 receives an 11th token transmitted from the service providing device 300 in response to the previously transmitted PIN number, and includes the received 11th token and identification information of the user device 100 A 23rd barcode is generated (S390).

Thereafter, the POS terminal 400 scans (or recognizes a barcode attached to the product to be paid) for one or more products to be paid (or payment products) selected by the user of the user device 100. .

In addition, the POS terminal 400 displays product information about one or more scanned (or recognized) products to be paid. Here, the product information includes a product name, product unique code, unit price, quantity, amount, total amount, and the like.

For example, the POS terminal 400 recognizes barcodes attached to the 11th to 13th products, respectively, for the 11th to 13th products selected by the user of the corresponding user device 100, as shown in FIG. 7 . As described above, product information 700 for the recognized 11th to 13th products is displayed (S400).

Thereafter, when a payment method is selected in a preset manner through a specific app pre-installed on the user device 100, the user device 100 has a barcode corresponding to the barcode (or QR code) generated prior to the POS terminal 400. Transmit information (or QR code information). Here, the barcode information corresponding to the barcode (or QR code information corresponding to the QR code) includes a token (or token information), identification information of the user device 100, and the like. At this time, the payment method includes cash payment, card payment, electronic payment, and the like, and the preset method may be electronic payment.

For example, when a specific payment method preset through a specific app pre-installed on the user device 100 is selected, the user device 100 transmits 23rd barcode information corresponding to the generated 23rd barcode to the POS terminal 400. send.

As such, when the user device 100 and the POS terminal 400 are connected through a wired/wireless communication method (or BLE communication), barcode information (or QR code information) from the user device 100 to the POS terminal 400 can transmit.

In addition, when the user device 100 and the POS terminal 400 are not connected through a wired/wireless communication method, the user of the user device 100 sets a preset value through a specific app pre-installed on the user device 100. When a payment method is selected, the POS terminal 400 recognizes (or scans/tags) the barcode (or QR code) displayed on the corresponding user device 100 (S410).

Then, the POS terminal 400 receives barcode information (or QR code information) transmitted from the user device 100 .

In addition, the POS terminal 400 displays and stores the received barcode information (or QR code information).

For example, the POS terminal 400 receives 23rd barcode information corresponding to a 23rd barcode transmitted from the user device 100 through BLE communication, and displays the received 23rd barcode information.

In addition, when the POS terminal 400 recognizes a barcode (or QR code) displayed on the user device 100, the POS terminal 400 checks the recognized barcode information (or QR code information)

In addition, the POS terminal 400 displays or stores the checked barcode information (or QR code information).

For example, when the POS terminal 400 recognizes the 23rd barcode displayed on the user device 100, the POS terminal 400 displays 23rd barcode information corresponding to the recognized 23rd barcode (S420).

Thereafter, the POS terminal 400 transmits one or more product information to be paid (or recognized product information to be paid), barcode information (or QR code information), identification information of the POS terminal 400, etc. to the payment server 500. do.

For example, the POS terminal 400 transmits product information for the recognized 11th to 13th products, 23rd barcode information, and identification information of the POS terminal 400 to the payment server 500 (S430).

Thereafter, the payment server 500 transmits one or more product information to be paid (or recognized product information to be paid) transmitted from the POS terminal 400, barcode information (or QR code information), identification information of the POS terminal 400, etc. receive

In addition, the payment server 500 transmits the received barcode information (or QR code information) to the service providing device 300 in order to perform an authentication procedure related to the corresponding user device 100 .

For example, the payment server 500 receives product information about the 11th to 13th products transmitted from the POS terminal 400, the 23rd barcode information, identification information of the POS terminal 400, and the like, and receives the corresponding user device In order to perform the authentication process related to (100), the 23rd barcode information among the received information is transmitted to the service providing device 300 (S440).

Thereafter, the service providing device 300 receives barcode information (or QR code information) transmitted from the payment server 500 .

In addition, the service providing device 300 checks whether the token in the barcode information (or QR code information) is valid based on the token in the received barcode information (or QR code information) and the identification information of the user device 100. do.

That is, the service providing device 300 determines the token in the received barcode information (or QR code information) and the identification information of the user device 100 in the identification information of the user device for each of a plurality of pre-stored (or issued in advance) tokens. Check whether the corresponding token and identification information of the user device are included (or exist).

For example, it is checked whether the 23rd token in the 23rd barcode information transmitted from the payment server 500 has been issued by the service providing device 300, and the identification information of the user device to which the 23rd token has been issued is the corresponding third token. 23 In order to check whether the barcode information matches the identification information of the user device 100, the service providing device 300 includes a plurality of pre-stored tokens within the user device identification information transmitted from the payment server 500. It is checked whether the 23rd token in the 23rd barcode information and the identification information of the user device 100 are included (S450).

As a result of the check, within the identification information of the user device for each of a plurality of tokens previously stored in the service providing device 300, the token in the received barcode information (or QR code information) and the token corresponding to the identification information of the user device 100 and the user If the identification information of the device is not included, that is, if the token in the received barcode information (or QR code information) is not valid, the service providing device 300 transmits authentication failure information to the payment server 500.

In addition, the payment server 500 transmits authentication failure information transmitted from the service providing device 300 to the POS terminal 400 .

In addition, the POS terminal 400 receives authentication failure information transmitted from the payment server 500 in response to the previously transmitted barcode information (or QR code information), and displays the received authentication failure information.

For example, a 23rd token in 23rd barcode information transmitted from the payment server 500 and identification information of the user device 100 are included in the identification information of the user device for each of a plurality of tokens previously stored in the service providing device 300. When not, the service providing device 300 identifies the 23rd token in the corresponding 23rd barcode information as an invalid token, and transmits authentication failure information to the POS terminal 400 through the payment server 500. (S460).

In addition, as a result of the confirmation, within the identification information of the user device for each of a plurality of tokens previously stored in the service providing device 300, the token in the received barcode information (or QR code information) and the token corresponding to the identification information of the user device 100 And when the identification information of the user device is included, that is, when the token in the received barcode information (or QR code information) is valid, the service providing device 300 transmits the user device (in the received barcode information (or QR code information)) ( 100) transmits card information, user information, benefit information, etc. corresponding to the identification information to the payment server 500. At this time, the service providing device 300 is a payment card type associated with a valid token (or a PIN number and a PIN managed in conjunction with a corresponding payment card type/token identified on the basis of a token generated in response to the payment card type). Card information, user information, benefit information, etc. corresponding to the corresponding payment card type identified based on the number, payment card type, and identification information of the user device)) may be transmitted to the payment server 500 . Here, the card information includes a card number, expiration date, CVC number, user name, and the like. Also, the user information includes a user name, date of birth, address, image, and the like. Also, benefit information includes coupon information, membership benefit information, discount benefit information, and the like.

That is, as a result of the verification, if the token in the received barcode information (or QR code information) is valid, the service providing device 300 responds to the identification information of the user device 100 in the received barcode information (or QR code information). In relation to the user (or the corresponding user device 100), check card information, user information, benefit information, etc. stored in advance in the corresponding service providing device 300, and pay the confirmed card information, user information, benefit information, etc. It is transmitted to the server 500. At this time, the service providing device 300 checks card information, user information, benefit information, etc. corresponding to the type of payment card previously transmitted from the user device 100, and pays the checked card information, user information, benefit information, etc. It may be transmitted to the server 500.

For example, a 23rd token in 23rd barcode information transmitted from the payment server 500 and identification information of the user device 100 are included in the identification information of the user device for each of a plurality of tokens previously stored in the service providing device 300. In this state, the service providing device 300 transmits 31st card information, 31st user information, 31st benefit information, etc. corresponding to the identification information of the user device 100 in the corresponding 23rd barcode information to the payment server 500. It is transmitted to (S470).

Thereafter, the payment server 500 responds to the previously transmitted barcode information (or QR code information), and the card information, user information, and benefit information (or corresponding barcode information (or QR code information) transmitted from the service providing device 300). Card information corresponding to the identification information of the user device 100 in the inside, user information, benefit information) and the like are received.

In addition, the payment server 500 performs a payment function for a payment amount corresponding to one or more product information to be paid based on the received card information, user information, and benefit information. At this time, the payment server 500 provides benefits corresponding to the benefit information (or benefit information applicable to the user of the corresponding user device 100) transmitted from the service providing device 300 to the price information for one or more products to be paid. A payment function for the payment amount applied with the amount may be performed.

For example, the payment server 500 receives the 31st card information, the 31st user information, the 31st benefit information, etc. transmitted from the service providing device 300 in response to the previously transmitted 23rd barcode information, and the payment is made. For the 11th to 13th products, a payment function for the payment amount to which the benefit amount corresponding to the corresponding 31st benefit information is applied is performed (S480).

Then, the payment server 500 transmits the result of performing the payment function (or payment information) to the POS terminal 400, the service providing device 300, and the like. Here, the payment function execution result (or payment information) includes product name, product unique code, unit price, quantity, discount amount, coupon application, amount, total amount, payment date and time information, payment card type, and the like.

For example, the payment server 500 transmits results of performing the payment function for the 11th to 13th products to the POS terminal 400 and the service providing device 300 (S490).

Thereafter, the POS terminal 400 receives a payment function execution result transmitted from the payment server 500 .

In addition, the POS terminal 400 transmits the received result of performing the payment function to the user device 100 .

For example, the POS terminal 400 transmits the received results of performing the payment function for the 11th to 13th products to the user device 100 .

In addition, the POS terminal 400 may output the received result of performing the payment function through printed matter such as a receipt (S500).

Thereafter, the user device 100 receives a payment function execution result transmitted from the POS terminal 400 in response to the previously transmitted barcode information (or QR code information).

In addition, the user device 100 displays the received result of performing the payment function.

For example, the user device 100 receives results of performing a payment function for the 11th to 13th products transmitted from the POS terminal 400 in response to the previously transmitted 23rd barcode information. In addition, the user device 100 displays the result of performing the corresponding payment function through the electronic wallet app (S510).

A user device, a service providing device, a POS terminal, and a payment system including the user device according to an embodiment of the present invention can be written as a computer program, and the codes and code segments constituting the computer program can be easily used by a computer programmer in the related field. can be inferred. In addition, the corresponding computer program is stored in computer readable media, and is read by a computer or a user device, a beacon, a service providing device, a POS terminal, a payment server, etc. according to an embodiment of the present invention. By being executed, it is possible to implement a user device, a service providing device, a POS terminal, and a payment system including them.

Information storage media include magnetic recording media, optical recording media, and carrier wave media. A user device, a service providing device, a POS terminal, and a computer program implementing a payment system including the user device according to an embodiment of the present invention are stored and installed in a built-in memory of a user device, a beacon, a service providing device, a POS terminal, a payment server, and the like. It can be. Alternatively, an external memory such as a user device, a service providing device, a POS terminal, and a smart card storing and installing a computer program implementing a payment system including the user device according to an embodiment of the present invention is connected to a user device, a beacon, and a service through an interface. It may be mounted on a providing device, a POS terminal, a payment server, or the like.

As described above, in the embodiment of the present invention, a user device entering a store receives identification information of a beacon transmitted from a beacon provided in the corresponding store, and the user device sends a PIN number according to user input to a service providing device. After the user device receives a one-time token corresponding to the transmitted PIN number, the user device generates a barcode or QR code including the identification information of the token and the user device, and sets a predetermined value for the product to be paid. When the payment method is selected, the POS terminal performs the payment function by interworking with the service providing device, payment server, user device, etc. based on barcode information or QR code information corresponding to the barcode or QR code generated by the user device. Thus, it is possible to improve user convenience and increase user satisfaction according to simple payment by resolving the confirmation of benefits and the performance of the payment function to which the confirmed benefits are applied at once.

The foregoing may be modified and modified by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention, but to explain, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be construed according to the claims below, and all technical ideas within the equivalent range should be construed as being included in the scope of the present invention.

In the present invention, a user device entering a store receives identification information of a beacon transmitted from a beacon provided in the corresponding store, the user device transmits a PIN number according to a user input to a service providing device, and responds to the transmitted PIN number. After receiving a one-time token to the user device, the user device generates a barcode or QR code including identification information of the token and the user device, and when a preset payment method is selected for the product to be paid, the POS terminal Based on the barcode information or QR code information corresponding to the barcode or QR code generated by the user device, the payment function is performed by linking with the service providing device, payment server, user device, etc. to check benefits and confirm benefits. It improves user convenience by resolving the execution of the applied payment function at once and enhances user satisfaction according to simple payment. Simple payment field, advertisement field, service providing device field, user device field, POS terminal field It can be widely used in the payment server field and the like.

10: payment system 100: user device
200: beacon 300: service providing device
400: POS terminal 500: payment server
110: user device communication unit 120: user device storage unit
130: user device display unit 140: user device audio output unit
150: user device control unit

Claims (10)

A service providing device that provides advertisement information and benefit information and verifies the validity of the issued token;
To receive a token transmitted from the service providing device in response to the type of payment card transmitted to the service providing device, personal identification number (PIN number), and identification information of the user device, including the token and the identification information of the user device a user device that generates a barcode or QR code to generate and provides barcode information corresponding to the generated barcode or QR code information corresponding to the generated QR code;
Scanning one or more products to be paid, receiving barcode information or QR code information provided from the user device, product information on the scanned one or more products to be paid, the received barcode information or QR code information, and the POS terminal POS terminal for transmitting the identification information of; and
Barcode information or QR code information transmitted from the POS terminal is transmitted to the service providing device, and when the token in the transmitted barcode information or QR code information is valid, card information, user information, and benefits transmitted from the service providing device A payment server that performs a payment function for the one or more products to be paid based on information,
The service providing device identifies the token and user device corresponding to the identification information of the token and the user device included in the barcode information or QR code information transmitted from the payment server among the identification information of the user device for each of a plurality of pre-stored tokens. Check whether the token included in the barcode information or QR code information is valid according to whether information exists, and transmit authentication failure information to the payment server if the token is not valid,
The user device transmits identification information of a beacon transmitted from a beacon in a store and identification information of a user device to the service providing device, and transmits one or more advertisement information provided from the service providing device, one or more benefit information, and the user device to the user device. Outputting a list of recommended cards including one or more recommended cards to which the benefit information can be applied among a plurality of issued cards, confirming the payment card type according to user selection, and receiving the PIN number according to user input,
The service providing device generates a token with a set number of uses or a usage period based on the PIN number and payment card type received from the user device, and transmits the token to the user device;
The payment server receives benefit information corresponding to the type of payment card selected by the user from the service providing device, and the price information for the one or more products to be paid according to the product information is received from the service providing device. A payment system characterized by performing a payment function for a payment amount to which a benefit amount according to benefit information is applied. delete ◈Claim 3 was abandoned when the registration fee was paid.◈ According to claim 1,
The service providing device, based on the identification information of the beacon transmitted from the user device and the identification information of the user device, when the user of the user device is a pre-registered member, among a plurality of pre-stored advertisement information and a plurality of benefit information. Checking the one or more advertisement information and one or more benefit information that can be provided to the user device at the store corresponding to the identification information of the beacon, and providing the identified one or more advertisement information and one or more benefit information to the user device. characterized payment system. delete delete Receiving identification information of a beacon transmitted from a beacon through a user device;
Through the service providing device, when the user corresponding to the user device is a pre-registered member based on the identification information of the beacon and the identification information of the user device transmitted from the user device, a plurality of pre-stored advertisement information and a plurality of Transmitting, to the user device, a recommendation card list including one or more advertisement information identified among benefit information, one or more benefit information, and one or more recommendation cards to which the benefit information is applicable;
receiving a payment card type and a PIN number according to user selection through the user device;
transmitting the payment card type, the PIN number, and identification information of the user device to the service providing device through the user device;
generating a token with a set number of uses or a usage period based on the PIN number and payment card type provided from the user device through the service providing device, and then transmitting the generated token to the user device;
Generating, through the user device, a barcode or QR code including a token transmitted from the service providing device and identification information of the user device;
After scanning one or more products to be paid through a POS terminal, receiving barcode information or QR code information provided from the user device;
Transmitting the barcode information or QR code information among one or more product information to be paid, the barcode information or QR code information, and the identification information of the POS terminal transmitted from the POS terminal to the service providing device through a payment server. ;
Through the service providing device, among the identification information of the user device for each token stored in advance, the token included in the barcode information or QR code information transmitted from the payment server and the token corresponding to the identification information of the user device and the user device Checking whether the token included in the barcode information or QR code information is valid according to whether identification information exists;
As a result of the check, when the token in the barcode information or QR code information is valid, card information corresponding to the identification information of the user device in the barcode information or QR code information, user information, and the user selection through the service providing device transmitting benefit information corresponding to the payment card type according to the payment server to the payment server, and transmitting authentication failure information to the payment server when invalid;
performing a payment function for a payment amount corresponding to the one or more product information to be paid based on card information, user information, and benefit information transmitted from the service providing device through the payment server;
Transmitting a result of performing a payment function to a POS terminal through the payment server; and
Displaying a result of performing the payment function through the POS terminal,
The step of performing the payment function,
Through the payment server, the price information for one or more products to be paid according to the one or more product information to be paid is set to the benefit amount according to the benefit information corresponding to the payment card type according to the user selection received from the service providing device. A control method of a payment system, characterized in that performing a payment function for the applied payment amount. delete delete delete delete

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