KR102580848B1 - 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 provision 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, the present invention analyzes the user's consumption pattern, and provides a function of recommending and issuing a new payment card that can be issued in addition to one or more payment cards issued in relation to the user based on the analyzed consumption pattern of the user, Applied to simple payment using the pre-authentication method, it recommends appropriate existing or new payment cards during the pre-authentication process before the actual product and price are determined, thereby maximizing the user's expected benefits and providing new payment cards when room is available. After receiving a recommendation and issuing a new payment card with minimal manipulation, you can immediately apply the new payment card when making a payment, thereby activating the registration and issuance of new payment cards and creating an environment in which more benefits can be provided. It can be created.

Description

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

The present invention relates to a user device, a service provision 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. In particular, the service provision device relates to purchases by affiliated stores through analysis of purchase history for each user device. Estimate the product and purchase amount, select the payment card with the greatest benefit among one or more payment cards issued to the user device based on the estimated purchased product, purchase amount, and affiliated store-specific benefit information, and select the estimated purchased product and purchase Based on the amount and benefit information for each affiliated store, select a non-owned payment card that has greater benefits than one or more payment cards issued to the user device and can be issued to the user device, and selects payment cards issued to the previously selected user device. A payment card with the greatest benefit and an unowned payment card that can be issued on a user device with greater benefits are provided to the user's device. When a non-owned payment card is selected on the user's device, the registration and issuance process for the non-owned payment card is performed and the corresponding card is issued. A user device, service provision device, POS terminal, which performs a payment function for a product by issuing a payment card that is not held by the user device to the user device and then performing a pre-authentication function through the payment card newly issued to the user device, It relates to a payment system including the same, its control method, and a recording medium on which a computer program is recorded.

When a user makes a payment, one or more credit cards with high benefits are selected from among a plurality of credit cards previously issued to the user device associated with the user and displayed on the user device, and the user selects one of the one or more credit cards displayed on the user device. If you choose one, you will efficiently utilize your credit card by making payment through the selected credit card.

These payment method recommendations and payment methods are not only based on the payment method currently held on the user's device, but are also presented after confirming information about the payment amount and payment product, so the user can actually enjoy more benefits. There is no consideration of existing payment method proposals, and it is realistically difficult to stop payment and add a new payment method when the payment amount and payment product are confirmed (or during the payment process at the checkout counter).

Korean Patent No. 10-0861390 [Name: Artificial intelligence payment system for optimal card recommendation]

The purpose of the present invention is to analyze a user's consumption pattern and, based on the analyzed consumption pattern of the user, provide the user with the function of recommending and issuing new payment cards that can be issued in addition to one or more payment cards issued in relation to the user. The object is to provide a recording medium on which a device, a service provision device, a POS terminal, a payment system including the same, a control method thereof, and a computer program are recorded.

The payment system according to an embodiment of the present invention estimates the purchased product and purchase amount for each affiliated store through analysis of purchase history for each user device, and provides one payment system issued to the user device based on the estimated purchased product and purchase amount and benefit information for each affiliated store. A service providing device that selects the payment card with the greatest benefit for each affiliated store among the above payment cards as a recommended payment card for each affiliated store; And when entering a store, the unique identification information of the beacon and the identification information of the user device transmitted from the beacon in the store are transmitted to the service providing device, and transmitted from the service providing device in response to the unique identification information of the transmitted beacon and the identification information of the user device. It may include a user device that receives a first recommended payment card and a new payment card available for subscription, and displays the received first recommended payment card and a new payment card available for subscription.

As an example related to the present invention, the service providing device identifies an affiliated store corresponding to the unique identification information of the beacon, and makes a first recommended payment corresponding to the identified affiliated store among recommended payment cards for each affiliated store previously stored in response to the identification information of the user device. You can check the card.

As an example related to the present invention, the service providing device is one issued to the user device based on the purchased product and purchase amount estimated for the user device in relation to the affiliated store corresponding to the unique identification information of the beacon and benefit information provided by the affiliated store. It has greater benefits than the above payment cards and allows users of the user's device to select a new payment card that can be signed up.

As an example related to the present invention, when a new payment card is selected from the displayed first recommended payment card and a new payment card available for subscription, the user device provides information about the selected new payment card and the user to obtain a new payment card. The device's identification information is transmitted to the service provider device, and the service provider device verifies the user information corresponding to the user device's identification information, and sends the information about the new payment card and the user to the affiliate server corresponding to the information about the new payment card. It may further include an affiliate server that transmits information and issues a new payment card to the user device based on information about the new payment card and user information transmitted from the service providing device.

As an example related to the present invention, the user device receives a PIN number corresponding to a new payment card newly issued according to the user input, information about the new payment card, a PIN number corresponding to the new payment card, and identification information of the user device. can be transmitted to the service providing device.

An example related to the present invention includes a POS terminal that scans one or more products to be paid for and transmits product information about the one or more scanned products to be paid, identification information of the POS terminal, and identification information of the user device; And receiving product information for one or more scanned products to be paid, identification information of the POS terminal, and identification information of the user device transmitted from the POS terminal, transmitting the received identification information of the user device to the service providing device, and transmitting the transmitted Receives card information, user information, and benefit information transmitted from the service provision device in response to the identification information of the user device, and performs a payment function for one or more products to be paid based on the received card information, user information, and benefit information It may further include a payment server.

A method of controlling a payment system according to an embodiment of the present invention includes the steps of estimating the purchased product and purchase amount for each affiliated store through analysis of purchase history for each user device through a service providing device; Through the service provision device, selecting the payment card with the greatest benefit for each affiliated store among one or more payment cards issued to the user device as a recommended payment card for each affiliated store based on the estimated purchase product, purchase amount, and benefit information for each affiliated store. ; Receiving, through a user device, identification information of the beacon transmitted from the beacon; The first recommended payment card and user device identified among recommended payment cards for each merchant pre-stored in response to the identification information of the user device based on the identification information of the beacon and the user device transmitted through the service provision device. Sending a new payment card that has greater benefits than one or more payment cards issued to the user and that is available for subscription by the user of the user device; and displaying, through the user device, a first recommended payment card transmitted from the service providing device and a new payment card available for subscription.

As an example related to the present invention, the step of transmitting the first recommended payment card and a new payment card available for subscription includes identifying the beacon based on the identification information of the beacon and the identification information of the user device transmitted from the user device through the service providing device. The process of verifying the affiliated store corresponding to the unique identification information; A process of confirming, through the service providing device, a first recommended payment card corresponding to the identified affiliated store among recommended payment cards for each affiliated store previously stored in response to identification information of the user device; Through the service providing device, benefits over one or more payment cards issued to the user's device based on the purchase products and purchase amounts estimated for the user's device in relation to the merchant corresponding to the beacon's unique identification information and benefit information provided by the merchant. The process of selecting a new payment card that the user of the user device can sign up for; and transmitting the first recommended payment card and the new payment card available for subscription to the user device through the service providing device.

As an example related to the present invention, when a new payment card is selected from among the first recommended payment card displayed on the user device and a new payment card available for subscription, a new payment card is issued through the user device to the selected new payment card. transmitting information about and identification information of the user device to a service providing device; Confirming user information corresponding to identification information of the user device through the service providing device; Transmitting information about the new payment card and user information to an affiliate server corresponding to the information about the new payment card through the service providing device; issuing a new payment card to the user device based on information about the new payment card and user information transmitted from the service providing device through an affiliate server; Receiving, through a user device, a PIN number corresponding to a new payment card newly issued according to user input; transmitting, through the user device, information about the new payment card, a PIN number corresponding to the new payment card, and identification information of the user device to the service providing device; and temporarily storing information about the new payment card transmitted from the user device, a PIN number corresponding to the new payment card, and identification information of the user device through the service providing device.

As an example related to the present invention, through a POS terminal, scanning one or more products to be paid, and transmitting product information for the scanned one or more products to be paid, identification information of the POS terminal, and identification information of the user device; Through the payment server, product information for one or more scanned products to be paid, identification information of the POS terminal, and identification information of the user device are received and transmitted from the POS terminal, and the received identification information of the user device is transmitted to the service providing device. Step: Verifying, through the service providing device, information on the payment card and PIN number temporarily stored in connection with the user device based on the identification information of the user device; Transmitting card information, user information, and benefit information corresponding to the identification information of the user device and information about the payment card to the payment server through the service provision device; Performing a payment function for the payment amount corresponding to product information for one or more products to be paid based on card information, user information, and benefit information transmitted from the service providing device through a payment server; Transmitting the result of performing the payment function to the POS terminal through the payment server; And it may further include displaying the result of performing the payment function through the POS terminal.

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

The present invention analyzes a user's consumption pattern, provides a function for recommending and issuing new payment cards that can be additionally issued in addition to one or more payment cards issued in relation to the user based on the analyzed consumption pattern of the user, and provides pre-authentication. Applied to the simple payment method, it maximizes the user's expected benefits by recommending appropriate existing or new payment cards during the pre-authentication process before the actual product and price are determined, and recommends new payment cards when room is available. After receiving the new payment card with minimal manipulation, the issued new payment card can be immediately applied to the payment, creating an environment in which registration and issuance of new payment cards can be activated and more benefits can be provided accordingly. There is a possible effect.

1 is a block diagram showing the configuration of a payment system according to an embodiment of the present invention.
Figure 2 This is a block diagram showing the configuration of a user device according to an embodiment of the present invention.
Figure 3 is a block diagram showing the configuration of a payment system according to another embodiment of the present invention.
4 to 6 are flowcharts showing a control method of a payment system according to an embodiment of the present invention.
Figure 7 is a diagram showing a screen of a user device according to an embodiment of the present invention.
Figure 8 is a diagram showing a screen of a POS terminal according to an embodiment of the present invention.

It should be noted that the 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, the technical terms used in the present invention, unless specifically defined in a different sense in the present invention, should be interpreted as meanings generally understood by those skilled in the art in the technical field to which the present invention pertains, and are not overly comprehensive. It should not be interpreted in a literal or excessively reduced sense. Additionally, if the technical terms used in the present invention are incorrect technical terms that do not accurately express the idea of the present invention, they should be replaced with technical terms that can be correctly understood by those skilled in the art. In addition, general terms used in the present invention should be interpreted according to the definition in the dictionary or according to the context, and should not be interpreted in an excessively reduced sense.

Additionally, as used in the present invention, singular expressions include plural expressions unless the context clearly dictates otherwise. In the present invention, terms such as “consists of” or “comprises” should not be construed as necessarily including all of the various components or steps described in the invention, and some of the components or steps may not be included. It may be possible, or it should be interpreted as being able to further include additional components or steps.

Additionally, terms containing ordinal numbers, such as first, second, etc., used in the present invention may be used to describe constituent elements, but the constituent elements should not be limited by the terms. Terms are used only to distinguish one component from another. For example, a first component may be named a second component without departing from the scope of the present invention, and similarly, the second component may also be named a first component.

Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the attached drawings. However, identical or similar components will be assigned the same reference numbers regardless of the reference numerals, and duplicate descriptions thereof will be omitted.

Additionally, when describing the present invention, if it is determined that a detailed description of related known technologies may obscure the gist of the present invention, the detailed description will be omitted. In addition, it should be noted that the attached drawings are only intended to facilitate easy understanding of the spirit of the present invention, and should not be construed as limiting the spirit of the present invention by the attached drawings.

Figure 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 consists 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 with more components than those shown in FIG. 1, or fewer components. The payment system 10 may also be implemented by .

The user device 100 may be a smart phone, a portable terminal, a mobile terminal, a personal digital assistant (PDA), a portable multimedia player (PMP) terminal, or a telematics device. Terminal, navigation terminal, personal computer, laptop computer, Slate PC, Tablet PC, ultrabook, wearable device (e.g., watch type) Terminal (Smartwatch), glass-type terminal (Smart Glass), HMD (Head Mounted Display), etc.), Wibro terminal, IPTV (Internet Protocol Television) terminal, smart TV, digital broadcasting terminal, television, 3D It can be applied to various terminals such as televisions, home theater systems, AVN (Audio Video Navigation) terminals, A/V (Audio/Video) 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 voice 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 a beacon 200, a service providing device 300, a POS terminal 400, a payment server 500, etc. Here, wireless Internet technologies include Wireless LAN (WLAN), DLNA (Digital Living Network Alliance), Wibro (Wireless Broadband: Wibro), Wimax (World Interoperability for Microwave Access: Wimax), and HSDPA (High Speed Downlink Packet Access). ), HSUPA (High Speed Uplink Packet Access), IEEE 802.16, Long Term Evolution (LTE), LTE-A (Long Term Evolution-Advanced), Wireless Mobile Broadband Service (WMBS), etc. There is a user device communication unit 110 that transmits and receives data according to at least one wireless Internet technology, including Internet technologies not listed above. In addition, short-range communication technologies include Bluetooth, RFID (Radio Frequency Identification), Infrared Data Association (IrDA), UWB (Ultra Wideband), ZigBee, and Near Field Communication (NFC). , Ultrasound Communication (USC), Visible Light Communication (VLC), Wi-Fi, Wi-Fi Direct, etc. may be included. Additionally, wired communication technologies may include Power Line Communication (PLC), USB communication, Ethernet, serial communication, optical/coaxial cables, etc.

Additionally, the user device communication unit 110 can transmit information to and from any terminal through a universal serial bus (USB).

In addition, the user device communication unit 110 supports technical standards or communication methods for mobile communication (e.g., 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- Wireless signals are transmitted and received with a base station, beacon 200, service providing device 300, POS terminal 400, payment server 500, etc. on a mobile communication network built according to A (Long Term Evolution-Advanced), etc.).

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

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

Additionally, 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 on the user device 100, data for operating the user device 100, and commands. At least some of these applications may be downloaded from an external service providing device through wireless communication. Additionally, at least some of these applications may be present on the user device 100 from the time of shipment for the basic functions of the user device 100 (e.g., call incoming and outgoing functions, message receiving and sending functions). Meanwhile, the application program is stored in the user device storage unit 120, installed on the user device 100, and driven by the user device control unit 150 to perform the operation (or function) of the user device 100. there is.

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

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

The user device display unit 130 may display various contents, such as various menu screens, using the user interface and/or graphic user interface stored in the user device storage unit 120 under the control of the user device control unit 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. Additionally, 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 display. It may include at least one of a flexible display, a 3D display, an e-ink display, and a light emitting diode (LED).

Additionally, the user device display unit 130 may be configured as a stereoscopic display unit that displays a stereoscopic image.

A three-dimensional display method such as a stereoscopic method (glasses method), an autostereoscopic method (glasses-free method), or a projection method (holographic method) may be applied to the three-dimensional display unit.

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

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

Additionally, the user device voice output unit 140 outputs a guidance voice generated by the user device control unit 150.

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

The user device control unit 150 performs overall control functions of the user device 100.

Additionally, 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, GPU, etc. may be connected to each other through a bus. The CPU can access the user device storage unit 120 and perform booting using the O/S stored in the user device storage unit 120, and various programs, content, and data stored in the user device storage unit 120. You can perform various operations using the etc.

In addition, the user device control unit 150 performs a membership registration procedure for the user of the corresponding user device 100 by linking with the service providing device 300.

In addition, when performing the membership registration process, the user device control unit 150 must complete the authentication function through an identity authentication method (including mobile phone, credit card, i-PIN, email, etc.) to register the member for the service provision device 300. 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 provides identification information of the beacon 200 transmitted from the beacon 200 (or information provided with the beacon 200). The user device communication unit 110 is controlled to receive unique identification information of the store.

In addition, the user device control unit 150 transmits the unique identification information of the received beacon 200 (or the unique identification information of the store equipped with the beacon 200), the identification information of the user device 100, etc. to the user device communication unit ( It is transmitted to the service providing device 300 through 110). Here, the identification information of the user device 100 includes MDN (Mobile Directory Number), mobile IP, mobile MAC, SIM (subscriber identity module) card unique information, serial number, etc.

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

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

Additionally, the user device control unit 150 outputs one or more received advertisement information, benefit information, recommended card lists, 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 confirms one payment card (or unique identification information of the payment card) selected from a plurality of payment cards registered (or issued) to a specific app pre-installed on the user device 100. do.

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

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

Additionally, the user device control unit 150 receives a PIN number (personal identification number) according to user input through a specific app pre-installed on the user device 100. Here, the PIN number may be a PIN number corresponding to the confirmed payment card type.

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

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

Additionally, the user device control unit 150 generates a barcode (or QR code (Quick Response code)) including the received token (or token information) and identification information of the user device 100.

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

In addition, when a preset payment method is selected 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, 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, etc. At this time, payment methods include cash payment, card payment, electronic payment, etc., 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) can be transmitted from the user device 100 to the POS terminal 400.

In addition, if the user device 100 and the POS terminal 400 are not connected through wired/wireless communication, the user of the user device 100 may use a preset app through a specific app pre-installed on the user device 100. When a payment method is selected, a 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 for 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 The result of performing the payment function transmitted from the POS terminal 400 (or the service providing device 300) in response to the barcode information (or QR code information) is received through the user device communication unit 110.

Additionally, the user device control unit 150 outputs the received payment function performance result through the user device display unit 130 and/or the user device audio output unit 140.

Additionally, 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 for connecting a device equipped with an identification module, and audio I/O ( Input/Output) port, video I/O (Input/Output) port, earphone port, etc. Here, the identification module is a chip that stores various information for authenticating the use authority of the user device 100, including a user authentication module (UIM), a subscriber identity module (SIM), and a general user authentication. It may include a module (Universal Subscriber Identity Module: USIM), etc. Additionally, a device equipped with an identification module may be manufactured in a smart card format. Accordingly, the identification module can be connected to the user device 100 through a 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 path through which power from the cradle is supplied to the user device 100, or various command signals input from the cradle by the user are transmitted to the user device 100. It can be a passage to (100). Various command signals or corresponding power input from the cradle may be operated as signals for recognizing that the user device 100 is correctly mounted on the cradle.

In addition, the user device 100 includes an input unit ( (not shown) may further be included.

The input unit is a means for receiving at least one of the user's commands, selections, 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, dome switch, touch pad (static/capacitive), touch screen, jog wheel, jog switch, jog shuttle, and mouse. , a variety of devices such as a stylus pen and a touch pen 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 can be performed through the user device display unit 130.

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

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

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

Additionally, the beacon 200 broadcasts (or transmits) store information, identification information of the beacon 200 (or unique identification information of the store equipped with the beacon 200), etc.

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

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

In addition, the service providing device 300 performs a membership registration procedure for each user of the user device 100 by linking with the user device 100.

Additionally, the service providing device 300 receives unique identification information of the beacon 200, identification information of the user device 100, etc. transmitted from the user device 100.

In addition, the service provision device 300 determines that the user corresponding to the user device 100 is a member who has previously registered (or joined) the service provision device 300 based on the received identification information of the user device 100. Determine (or confirm) whether it is recognized or not.

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

Additionally, the service providing device 300 performs a membership registration procedure for the user device 100 (or a user of the user device 100) by linking with the user device 100.

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

In addition, the service providing device 300 recommends one or more recommended cards to which the benefit information can be applied (or reflected) among a plurality of cards issued to the user device 100 based on one or more confirmed benefit information. Create a card list. Here, benefit information includes coupon information, membership benefit information, discount benefit information, etc.

In addition, the service providing device 300 provides a recommendation card list including one or more advertisement information, one or more benefit information, and one or more recommendation cards that can be provided to the user device 100 at a store equipped with the confirmed beacon 200. etc. are transmitted to the user device 100.

That is, if the user corresponding to the corresponding user device 100 is a member who has previously registered with the service providing device 300, the service providing device 300 selects the corresponding beacon ( 200) Check the store information corresponding to the unique identification information. In addition, the service providing device 300 confirms one or more advertisement information, benefit information, etc. that can be provided to the user device 100 at the store based on the confirmed store information and the received identification information of the user device 100. . Additionally, the service providing device 300 generates a recommended card list including one or more cards to which the benefit information can be applied among a plurality of cards (or one or more cards) previously issued to the user device 100. Additionally, the service providing device 300 transmits one or more confirmed advertisement information, one or more benefit information, and a generated recommendation card list to the user device 100.

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

Additionally, 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, is randomly generated in response to the PIN number, and may have a preset number of uses or a period of use. At this time, the service providing device 300 may generate a token corresponding to the received PIN number and payment card type.

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

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

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

In addition, the service providing device 300 determines 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 includes the token in the received barcode information (or QR code information) and the identification information of the user device 100 within the identification information of the user device for each plurality of pre-stored (or pre-issued) tokens. Check whether the corresponding token and identification information of the user device are included (or present).

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

As a result of confirmation, within the identification information of the user device for each of the plurality of tokens pre-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 identification information of the device is not included, that is, if the token in the received barcode information (or QR code information) is invalid, the service providing device 300 transmits authentication failure information to the payment server 500.

In addition, as a result of confirmation, within the identification information of the user device for each of the plurality of tokens pre-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 if the identification information of the user device is included, that is, if the token in the received barcode information (or QR code information) is valid, the service providing device 300 is the user device in the received barcode information (or QR code information) ( Card information, user information, benefit information, etc. corresponding to the identification information of 100) are transmitted to the payment server 500. At this time, the service providing device 300 is a PIN managed in conjunction with the payment card type related to the valid token (or the corresponding payment card type/token confirmed based on the token previously generated corresponding to the PIN number and 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, card information includes card number, expiration date, CVC (card verification code) number, user name, etc. Additionally, user information includes user name, date of birth, address, image, etc. Additionally, benefit information includes coupon information, membership benefit information, discount benefit information, etc.

That is, as a result of confirmation, if the token in the received barcode information (or QR code information) is valid, the service providing device 300 corresponds 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 the card information, user information, benefit information, etc. pre-stored in the service providing device 300, and make payment using the confirmed card information, user information, benefit information, etc. Transmitted to 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 makes payment using the confirmed card information, user information, benefit information, etc. It can also be transmitted to the server 500.

Additionally, the service providing device 300 receives payment function performance results (or payment information) transmitted from the payment server 500.

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

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

Additionally, the service providing device 300 may be implemented in the form of a web server, database server, proxy server, etc. In addition, the service providing device 300 may be equipped with a network load balancing mechanism or one or more of various software that allows the service providing device 300 to operate on the Internet or other networks, through which it can be converted into a computerized system. It can be implemented. Additionally, the network may be an http network, a private line, an intranet, or any other network. Furthermore, the service providing device 300 and the user device 100 may be connected through a secure network to prevent data from being attacked by hackers or other third parties. In addition, the service providing device 300 may include a plurality of database servers, and these database servers are implemented in such a way that they are separately connected to the service providing device 300 through any type of network connection, including a distributed database server architecture. It can be.

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

The POS (Point of Sales) terminal 400 communicates with the user device 100, the beacon 200, the service provision device 300, the payment server 500, etc.

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

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

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

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

In addition, if the user device 100 and the POS terminal 400 are not connected through wired/wireless communication, the user of the user device 100 may use a preset app 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.

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

Additionally, 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).

Additionally, the POS terminal 400 displays or stores the 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.

Additionally, 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.

Additionally, the POS terminal 400 displays the received authentication failure information.

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

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

Additionally, 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 POS terminal 400 and the user of the user device 100 who wishes to pay for the product, and then matches the image in the user information and the user device ( If the users of 100) match, the POS terminal 400 receives information indicating the user match according to the user input of the POS terminal 400.

Additionally, the POS terminal 400 transmits information indicating the received user match, identification information of the POS terminal 400, etc. to the payment server 500.

In addition, if the payment function for one or more products selected by the user of the corresponding 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 performance 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 performance 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, etc.

Additionally, the POS terminal 400 transmits the received payment function performance result to the user device 100.

Additionally, the POS terminal 400 may output the received payment function performance results through printed matter such as a receipt.

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

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

In addition, the payment server 500 may include 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. receives.

Additionally, 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 user device 100.

Additionally, if the token in the barcode information (or QR code information) transmitted to the service providing device 300 is invalid, the payment server 500 may use 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.

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

Additionally, if 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, and benefit information transmitted from the service provision device 300 (or card information, user information, and benefit information corresponding to the identification information of the user device 100 in the corresponding barcode information (or QR code information)) Receive etc.

Additionally, the payment server 500 performs a payment function for the payment amount corresponding to the 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 transmitted from the service providing device 300 (or benefit information applicable to the user of the corresponding user device 100) to the price information for one or more products to be paid. You can perform a payment function for the payment amount applied.

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

In addition, if 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 receives the information from the POS terminal 400 in response to the user information transmitted to the POS terminal 400. Information indicating the transmitted user match, identification information of the POS terminal 400, etc. are received.

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

Additionally, the payment server 500 transmits the payment function performance result (or payment information) to the POS terminal 400, the service provision device 300, etc. Here, the payment function performance 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, etc.

Figure 3 is a block diagram showing the configuration of the payment system 10 according to another embodiment of the present invention.

As shown in FIG. 3, the payment system 10 consists of a user device 100, 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. 3 are essential components, and the payment system 10 may be implemented with more components than those shown in FIG. 3, or fewer components than those shown in FIG. The payment system 10 may also be implemented by .

The service providing device 300 estimates the purchased product and purchase amount for each affiliated store through analysis of purchase history for each user device, and provides a service card issued to the user device 100 based on the estimated purchased product and purchase amount and benefit information for each affiliated store. Among one or more payment cards, select the one with the greatest benefits. Thereafter, when the user device 100 visits a specific affiliated store, the service providing device 300 checks the recommended payment card corresponding to the affiliated store among the recommended payment cards for each preset affiliated store, and selects a recommended payment card corresponding to the affiliated store that has not been issued to the user device 100. Among payment cards, select an unowned payment card (or a new payment card) with more benefits than the recommended payment card. Afterwards, the user device 100 displays a recommended payment card corresponding to the affiliated store provided from the service provision device 300 and an unowned payment card (or a new payment card) with more benefits, among which the unowned payment card with more benefits In order to issue a new payment card, a new issuance procedure is performed for the unowned payment card by linking with the service providing device 300 and the affiliate server 600, and the unowned payment card is issued to the user device 100. . Afterwards, the user device 100 can perform a payment function using the newly issued payment card.

The user device 100 shown in FIG. 2 includes a user device communication unit 110, a user device storage unit 120, a user device display unit 130, a user device voice output unit 140, and a user device. It consists of a control unit 150.

When a user carrying a user device 100 enters a store, the user device control unit 150 receives the identification information of the beacon 200 transmitted from the beacon 200 (or the store equipped with the beacon 200). The user device communication unit 110 is controlled to receive unique identification information.

In addition, the user device control unit 150 transmits the unique identification information of the received beacon 200 (or the unique identification information of the affiliated store equipped with the beacon 200), the identification information of the user device 100, etc. to the user device communication unit ( It is transmitted to the service providing device 300 through 110). Here, the identification information of the user device 100 includes MDN, mobile IP, mobile MAC, SIM (subscriber identification module) card unique information, serial number, etc.

In addition, the user device control unit 150 provides information (or Payment card information/recommended payment card information), not available to the user of the user device 100 selected from among payment cards not issued to the user device 100 (or to be issued by the user device 100) Information on the payment card (or new payment card) (or information on an unowned payment card/new payment card) is received through the user device communication unit 110.

In addition, the user device 100 receives information (or payment card information/recommended payment card information) about the confirmed (or selected) payment card (or recommended payment card) among the payment cards issued to the user device 100. ), an unowned payment card (or a new payment card) that the user of the user device 100 can sign up for (or can be issued by the user device 100) selected from among the payment cards not issued to the user device 100 Information about (or non-held payment card information/new payment card information) is output through the user device display unit 130 and/or the user device audio output unit 140.

In addition, information about the payment card (or recommended payment card) displayed on the user device display unit 130 (or payment card information/recommended payment card information), information about a payment card not held (or a new payment card) (or payment not held) When a payment card (or recommended payment card) is selected in the card information/new payment card information, etc., the user device control unit 150 receives a PIN number corresponding to the selected payment card (or recommended payment card) according to the user input. do.

In addition, the user device control unit 150 sends information about the selected payment card (or recommended payment card), a PIN number corresponding to the payment card (or recommended payment card), identification information of the user device 100, etc. to the user device communication unit ( It is transmitted to the service providing device 300 through 110).

In addition, information about the payment card (or recommended payment card) displayed on the user device display unit 130 (or payment card information/recommended payment card information), information about a payment card not held (or a new payment card) (or payment not held) When an unowned payment card (or new payment card) is selected in the card information/new payment card information, etc., the user device control unit 150 connects the service provision device 300 and the affiliate server 600 to use the unowned payment card. The issuance (or subscription) procedure for (or a new payment card) is performed, and the corresponding unowned payment card (or new payment card) issued from the relevant affiliate server 600 is registered in the user device 100.

In other words, information about the payment card (or recommended payment card) displayed on the user device display unit 130 (or payment card information/recommended payment card information), information about the non-held payment card (or new payment card) (or non-held payment When an unowned payment card (or new payment card) is selected from card information/new payment card information, etc., the user device control unit 150 collects information about the previously selected unowned payment card, user device ( Identification information, etc. of 100) is transmitted to the service providing device 300 through the user device communication unit 110. At this time, when transmitting information about the previously selected unowned payment card and identification information of the user device 100, the user device control unit 150 collects user information related to the user of the corresponding user device 100 registered in advance in the electronic wallet app. It may be transmitted to the service providing device 300 through the user device communication unit 110 along with information on the previously selected unowned payment card and identification information of the user device 100.

In addition, the user device control unit 150 responds to information about the transmitted unowned payment card, identification information of the user device 100, etc., and issues an unowned payment card from the affiliated server 600 that manages the issuance of the unowned payment card. (or a new payment card) is registered (or stored) in the user device storage unit 120.

Additionally, the user device control unit 150 receives a PIN number corresponding to a newly issued payment card according to user input.

In addition, the user device 100 provides information about the new payment card (or new payment card information), a PIN number corresponding to the new payment card, and identification information of the user device 100 through the user device communication unit 110. Transmitted to the provision device 300.

In addition, after the payment function is performed for one or more products to be paid for selected by the user of the user device 100, the user device control unit 150 collects information about the previously transmitted payment card (or payment card/type of payment card). , the result of performing the payment function transmitted from the POS terminal 400 (or the service providing device 300) in response to the PIN number (or PIN number corresponding to information on the payment card), identification information of the user device 100, etc. It is received through the user device communication unit 110.

Additionally, the user device control unit 150 outputs the received payment function performance result through the user device display unit 130 and/or the user device audio output unit 140.

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

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

Additionally, the beacon 200 broadcasts (or transmits) store information, identification information of the beacon 200 (or unique identification information of the store equipped with the beacon 200), etc.

The service providing device 300 communicates with the user device 100, POS terminal 400, payment server 500, affiliate server 600, etc.

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

Additionally, the service providing device 300 estimates the purchased product and purchase amount for each affiliated store through analysis of purchase history for each user device.

That is, the service provision device 300 analyzes the purchase history of the user of the user device 100, and determines the affiliated store from which the product was purchased, the type of product or service purchased, the purchase amount (or consumption amount/payment amount), information on benefits provided, When providing benefits, purchase patterns, consumption details by location or time, etc. are converted into parameter values according to preset standards to standardize individual consumption patterns.

In addition, the service providing device 300 purchases products based on consumption patterns in the relevant affiliated store group, consumption patterns according to region and time, and consumption patterns according to provided benefits (or benefit information) based on these standardized parameter values. and estimate the purchase amount.

In addition, the service providing device 300 performs payment with the greatest benefit for each affiliated store among one or more payment cards issued to the user device 100 based on the estimated purchased product, purchase amount, and benefit information (or promotional information) for each affiliated store. Select (or confirm) each card (or recommended payment card/recommended payment card by affiliated store). Here, benefit information (or promotion information) includes coupon information, membership benefit information, discount benefit information, etc. At this time, payment cards include credit cards, cash cards (or check cards), point cards, etc.

In this way, the service providing device 300 considers the benefits of the payment card held by the user, the selection weight for performance achievement, etc. based on the recommended purchase product and/or purchase amount, benefit information of the relevant affiliated store, etc. Among the payment methods owned by , select (or select/confirm) the payment card with the greatest expected benefits.

Additionally, the service providing device 300 receives unique identification information of the beacon 200, identification information of the user device 100, etc. transmitted from the user device 100.

In addition, the service providing device 300 confirms the affiliated store (or store) corresponding to the unique identification information of the beacon 200, and selects the previously confirmed affiliated store (or store) from among the payment cards selected for each user device and affiliated store stored in advance. ) Check the corresponding payment card (or recommended payment card).

In addition, the service providing device 300 stores the estimated purchase product and purchase amount for the user device 100 in relation to the affiliated store (or store) corresponding to the unique identification information of the beacon 200, and promotions provided by the affiliated store. Based on information (or benefit information), etc., the expected benefit (or benefit) is greater than one or more payment cards (or payment cards/recommended payment cards corresponding to previously confirmed merchants) issued to the user's device 100, and the user The user of the device 100 selects (or confirms) an unowned payment card (or a new payment card/unowned payment card not issued to the corresponding user device 100) that can be signed up (or issued by the corresponding user device 100). )do.

At this time, the service providing device 300 recommends a payment card (or a new payment card) that the user of the user device 100 can sign up for, including the previously estimated purchase product and purchase amount, and promotional information provided by the affiliated store ( or benefit information), in addition to the past usage performance (or purchase history information) of the pending payment card, such as the average spending amount for each payment card held by the user, a non-held payment card (or purchase history information) that the user of the corresponding user device 100 can sign up for ( Alternatively, a new payment card) may be recommended (or selected). Through this, it is possible to determine whether it is desirable to add a new payment card, and it is also possible to recommend cancellation of an existing payment card with low usage performance or application benefits (or conversion to a new payment card).

In addition, the service providing device 300 may use a payment card (or selected) identified among the payment cards issued to the user device 100 prior to the user device 100 corresponding to the identification information of the user device 100 ( or information on a recommended payment card) (or payment card information/recommended payment card information), to which the user of the user device 100 selected from payment cards not issued to the user device 100 can subscribe (or the user device 100) Information on an unowned payment card (or new payment card) (or unowned payment card information/new payment card information) that can be issued at (100) is transmitted.

At this time, the service providing device 300 provides information about the payment card identified among the payment cards issued to the user device 100 prior to the user device 100 corresponding to the identification information of the user device 100 and the user. The user of the device 100 selected from among payment cards not issued to the device 100 may transmit any one of information on payment cards that the user of the device 100 can sign up for.

Additionally, information about the payment card (or recommended payment card) displayed on the user device 100 (or payment card information/recommended payment card information), information about the non-held payment card (or new payment card) (or non-held payment card) When an unowned payment card (or new payment card) is selected in information/new payment card information, etc., the service providing device 300 uses the non-owned payment card (or new payment card) by linking the user device 100 and the service providing device 300. or perform the issuance (or subscription) procedure for a new payment card.

In other words, information about the payment card (or recommended payment card) displayed on the user device display unit 130 (or payment card information/recommended payment card information), information about the non-held payment card (or new payment card) (or non-held payment When an unowned payment card (or new payment card) is selected in the card information/new payment card information, etc., the service providing device 300 collects information about the unowned payment card transmitted from the user device 100, the user device 100 Receives identification information, etc.

Additionally, the service providing device 300 confirms user information corresponding to the received identification information of the user device 100.

In addition, the service providing device 300 responds to the information about the non-possessed payment card by transmitting information about the non-possessed payment card, confirmed user information, etc. to the corresponding affiliate server 600 corresponding to the information about the non-possessed payment card. Request the issuance of a payment card that is not in your possession. At this time, the service providing device 300 may transmit the user information previously stored in the user device 100 transmitted from the user device 100 to the affiliate server 600 along with information on the corresponding unowned payment card.

In addition, the service providing device 300 requests the issuance of a non-possessed payment card corresponding to the information on the non-possessed payment card, and provides information on the non-possessed payment card issued to the user device 100 by the affiliated server 600. Receive the issuance result.

Additionally, the service providing device 300 stores the issuance result for the corresponding non-owned payment card issued to the user device 100.

In addition, the service providing device 300 includes information about the payment card (or payment card/type of payment card) transmitted from the user device 100, a PIN number (or a PIN number corresponding to information about the payment card), and the user device. Receive 100 identification information, etc. Here, the information about the payment card is information about a payment card selected from cards previously issued to the user device 100 (or information about a recommended payment card) or information about a new payment card newly issued because it has more benefits. (Or it may be information about a non-owned payment card/new payment card).

In addition, the service providing device 300 provides information about the received payment card (or payment card/type of payment card), a PIN number (or a PIN number corresponding to information about the payment card), and identification information of the user device 100. Save (or temporarily save) etc.

In this way, the service providing device 300 allows the user of the user device 100 to perform a pre-authentication process such as selecting a payment card and receiving a PIN number corresponding to the payment card for the user device 100 entering the affiliated store. This can be completed after selecting the product but before performing the payment function.

In the embodiment of the present invention, the case where the user of the user device 100 visits an offline affiliated store and purchases a product is described, but the present invention is not limited to this, and the technical configurations of the present invention can also be applied when using an online shopping mall. there is.

That is, in the pre-authentication process before the user of the user device 100 selects a product and proceeds with the subsequent procedure of entering delivery information or discount information, etc. into the user device 100 to confirm actual payment, the service providing device ( 300 may recommend a new payment card with greater expected benefits to the user device 100 . Thereafter, when the user wishes to obtain a new payment card, the user device 100 performs online shopping during the issuance process of the new payment card by linking with the service providing device 300 and the affiliate server 600. If you reserve or proceed with the product selection process and a new payment card is issued from the affiliate server 600 in the meantime, the pre-authentication process with the service providing device 300 can be automatically performed.

In this way, in cases where the purchase can be postponed during the waiting time for issuance of a new payment card, such as an online payment, the present invention allows the user device 100 to apply for issuance of a new payment card in advance before going through a complicated payment process, After the new payment card is issued, the payment environment can be provided again to enable payment with maximum benefits.

In addition, the recommendation of such a new payment card is not only made during the pre-authentication process, but also when the user of the user device 100 checks the payment performance, the service providing device 300 provides the corresponding information based on past payment history (or purchase history information). While proposing a new payment card in consideration of the expected benefits when payment is made through a different type of non-owned payment method, the difference in expected benefits when processing past payment details through the new payment card is reported to the user device 100. can be provided.

For example, the service providing device 300 would have received an additional discount as an additional benefit if the payment details that had been paid through the first payment card issued to the user device 100 were paid with a second payment card, which is a new payment card. You can also inform them that you can receive a larger discount if you replace your existing payment card with a new payment card from the same card company.

Additionally, the service providing device 300 receives identification information of the user device 100 transmitted from the payment server 500.

In addition, the service providing device 300 provides information about the payment card (or payment card/payment card type) stored (or temporarily stored) in relation to the user device 100 based on the received identification information of the user device 100. ), check the PIN number (or the PIN number corresponding to the information on the payment card), etc.

In addition, the service provision device 300 may send card information, user information, benefit information, etc. corresponding to the identification information of the user device 100 and/or payment card information (or payment card/payment card type) to the payment server ( 500). Here, the card information includes the card number, expiration date, CVC number, user name, etc. for the card previously registered in the user device 100. Additionally, user information includes user name, date of birth, address, image, etc.

In other words, the service providing device 300 may provide information regarding the user device 100 (or the user device 100) corresponding to the identification information and/or information about the payment card (or payment card/payment card type). Card information, user information, benefit information, etc. previously stored in the service providing device 300 are checked, and the confirmed card information, user information, benefit information, etc. are transmitted to the payment server 500.

In addition, the service providing device 300 corresponds to information about the payment card (or payment card/payment card type), PIN number (or information about the payment card) stored (or temporarily stored) in relation to the user device 100. Verifies (or performs an authentication procedure) the validity of the payment card issued to the user device 100 based on the PIN number, etc., and if the confirmation result (or the result of performing the authentication procedure) is that the payment card is valid, Card information, user information, benefit information, etc. corresponding to the payment card may be transmitted to the payment server 500.

In addition, the service providing device 300 receives payment function performance results (or payment information) transmitted from the payment server 500 in response to card information, user information, benefit information, etc. corresponding to the previously transmitted payment card. Here, the payment function performance 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, etc.

Additionally, the service providing device 300 stores the received payment function performance result (or payment information) or provides it to the user device 100.

The POS terminal 400 communicates with the user device 100, beacon 200, service provision device 300, payment server 500, affiliate server 600, etc.

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

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

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

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

In addition, the POS terminal 400 transmits one or more product information to be paid (or recognized product information to be paid), identification information of the POS terminal 400, identification information of the user device 100, etc. to the payment server 500. do.

Additionally, just before the payment server 500 performs a payment function for one or more products, the POS terminal 400 receives user information transmitted from the payment server 500. Here, the user information includes user name, date of birth, address, image, etc. related to the user corresponding to the identification information of the corresponding user device 100.

Additionally, 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 POS terminal 400 and the user of the user device 100 who wishes to pay for the product, and then matches the image in the user information and the user device ( If the users of 100) match, the POS terminal 400 receives information indicating the user match according to the user input of the POS terminal 400.

Additionally, the POS terminal 400 transmits information indicating the received user match, identification information of the POS terminal 400, etc. to the payment server 500.

Additionally, when the payment function is normally performed for one or more products transmitted to the payment server 500, the POS terminal 400 receives the payment function performance result transmitted from the payment server 500. Here, the payment function performance 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, etc.

Additionally, the POS terminal 400 transmits the received payment function performance result to the user device 100.

Additionally, the POS terminal 400 may output the received payment function performance results through printed matter such as a receipt.

The payment server 500 communicates with the user device 100, the service provision device 300, the POS terminal 400, the affiliate server 600, etc.

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

In addition, the payment server 500 may include one or more product information to be paid (or recognized product information to be paid) transmitted from the POS terminal 400, identification information of the POS terminal 400, identification information of the user device 100, etc. receives.

Additionally, the payment server 500 transmits identification information of the user device 100 to the service providing device 300 in order to perform an authentication procedure related to the user device 100.

In addition, after the authentication process is normally performed, the payment server 500 receives card information, user information, benefit information, etc. transmitted from the service providing device 300 in response to the previously transmitted identification information of the user device 100. do.

Additionally, the payment server 500 performs a payment function for the payment amount corresponding to the 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 transmitted from the service providing device 300 (or benefit information applicable to the user of the corresponding user device 100) to the price information for one or more products to be paid. You can perform a payment function for the payment amount applied.

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

In addition, if 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 receives the information from the POS terminal 400 in response to the user information transmitted to the POS terminal 400. Information indicating the transmitted user match, identification information of the POS terminal 400, etc. are received.

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

Additionally, the payment server 500 transmits the payment function performance result (or payment information) to the POS terminal 400, the service provision device 300, etc. Here, the payment function performance 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, etc.

The affiliate server 600 communicates with the user device 100, the service provision device 300, the POS terminal 400, the payment server 500, etc.

Additionally, information about the payment card (or recommended payment card) displayed on the user device 100 (or payment card information/recommended payment card information), information about the non-held payment card (or new payment card) (or non-held payment card) When an unowned payment card (or new payment card) is selected in the information/new payment card information, etc., the affiliate server 600 uses the unowned payment card (or An issuance (or subscription) procedure for a new payment card) is performed, and the corresponding unowned payment card (or new payment card) is issued to the user device 100 according to the issuance procedure.

In other words, information about the payment card (or recommended payment card) displayed on the user device display unit 130 (or payment card information/recommended payment card information), information about the non-held payment card (or new payment card) (or non-held payment When an unowned payment card (or new payment card) is selected in card information/new payment card information, etc., the affiliate server 600 receives information about the unowned payment card, user information, etc. transmitted from the service provision device 300. do.

In addition, the affiliate server 600 sends the unowned payment card (or a payment card not issued to the user device 100) to the user device 100 based on information about the received unowned payment card, user information, etc. Issued.

Additionally, the affiliate server 600 provides the service providing device 300 with the issuance result for the corresponding unowned payment card issued to the user device 100 (or a payment card not issued to the user device 100).

In this way, the consumption pattern of the user is analyzed, and based on the analyzed consumption pattern of the user, the function of recommending and issuing new payment cards that can be issued in addition to one or more payment cards issued in relation to the user is provided, and pre-authentication is provided. Applied to the simple payment method, an appropriate existing payment card or a new payment card can be recommended during the pre-authentication process before the actual product and price are determined.

Hereinafter, the control method of the payment system according to the present invention will be described in detail with reference to FIGS. 1 to 8.

4 to 6 are flowcharts showing a control method of a payment system according to an embodiment of the present invention.

First, the service providing device 300 estimates the purchased product and purchase amount for each affiliated store through analysis of purchase history for each user device.

As an example, the service providing device 300 may provide the user device 100 with the first to third purchased products at affiliated store A and the first purchase amount (e.g., for the first to third purchased products). For example, 12,000 won), the 4th to 5th purchased product at franchise B and the 2nd purchase amount for the 4th to 5th purchased product (e.g. 7,500 won), the 6th purchase at franchise C. The third purchase amount (for example, 14,000 won) for the product through the ninth purchased product and the corresponding sixth through ninth purchased product is estimated, respectively (S410).

Thereafter, the service providing device 300 makes a payment with the greatest benefit for each affiliated store among one or more payment cards issued to the user device 100 based on the estimated purchase product, purchase amount, and benefit information (or promotional information) for each affiliated store. Select (or confirm) each card (or recommended payment card/recommended payment card by affiliated store). Here, benefit information (or promotion information) includes coupon information, membership benefit information, discount benefit information, etc. At this time, payment cards include credit cards, cash cards (or check cards), point cards, etc.

As an example, the service providing device 300 estimates the first to third purchased products at affiliated store A and the first purchase amount (for example, 12,000 won) for the first to third purchased products, The 4th to 5th purchased products at the B affiliated store and the 2nd purchase amount (e.g. 7,500 won) for the 4th to 5th purchased products, and the 6th to 9th purchased products at the C affiliated store. Third purchase amount (e.g. 14,000 won) for the product and the corresponding 6th to 9th purchase product, and benefit information for each affiliated store (e.g. A affiliated store: additional 10% discount when using AA payment card, EE payment card Multiple tickets issued to the relevant user device (100) based on (including additional 10% discount and 5% savings when using, B affiliated store: additional 5% discount when using BB payment card, C affiliated store: additional 10% accumulated CC membership card, etc.) Among the payment cards, the payment card with the greatest benefit for each affiliated store is selected (for example, AA payment card for affiliated store A, BB payment card for affiliated store B, DD payment card for affiliated store C, etc.) (S420).

Thereafter, when a user holding the user device 100 enters a store (or affiliated store), the user device 100 receives the identification information of the beacon 200 (or the beacon 200) transmitted from the beacon 200. Receives unique identification information of the store equipped with this.

As an example, when a user holding a user device 100 enters an affiliated store A, the user device 100 receives the beacon 200 that is broadcast (or transmitted) from the beacon 200 provided at the affiliated store A. Receiving identification information (S430).

Thereafter, the user device 100 transmits the unique identification information of the received beacon 200 (or the unique identification information of the affiliated store equipped with the beacon 200), the identification information of the user device 100, etc. 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, etc.

As an example, the user device 100 may use the unique identification information of the previously received beacon 200, the user, in order to inform (or notify) the service providing device 300 that the user device 100 has entered an affiliated store A. Identification information of the device 100 is transmitted to the service providing device 300 (S440).

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, etc.

In addition, the service providing device 300 confirms the affiliated store (or store) corresponding to the unique identification information of the beacon 200, and selects the previously confirmed affiliated store (or store) from among the payment cards selected for each user device and affiliated store stored in advance. ) Check the corresponding payment card (or recommended payment card).

As an example, the service providing device 300 confirms the A affiliated store corresponding to the unique identification information of the beacon 200, and sends a payment to the previously confirmed A affiliated store among the payment cards selected for each affiliated store pre-stored for the user device 100. Check the corresponding AA payment card (S450).

Thereafter, the service providing device 300 stores the estimated purchase product and purchase amount for the user device 100 in relation to the affiliated store (or store) corresponding to the unique identification information of the beacon 200, and promotions provided by the affiliated store. Based on information (or benefit information), etc., the expected benefits are greater than one or more payment cards (or payment cards/recommended payment cards corresponding to previously confirmed merchants) issued to the user device 100, and the user device 100 Select (or confirm) an unowned payment card (or a new payment card/unowned payment card not issued to the corresponding user device 100) that the user can sign up for (or that can be issued to the corresponding user device 100).

As an example, the service providing device 300 may purchase the first to third purchased products and the first purchased product estimated for the user device 100 in relation to an affiliated store A corresponding to the unique identification information of the beacon 200. The first purchase amount (e.g. 12,000 won) for the product or third purchase product, promotional information provided by affiliated store A (e.g. an additional 10% discount when using an AA payment card, an additional 10% discount when using an EE payment card) and 5% accumulation), etc., the expected benefit is greater than that of a plurality of payment cards issued to the user device 100 (including, for example, AA payment cards, BB payment cards, CC payment cards, DD payment cards, etc.) The user of the user device 100 selects an EE payment card that can be subscribed to (S460).

Thereafter, the service providing device 300 uses a payment card (or selected) identified among the payment cards issued to the user device 100 prior to the user device 100 corresponding to the identification information of the user device 100 ( or information on a recommended payment card) (or payment card information/recommended payment card information), to which the user of the user device 100 selected from payment cards not issued to the user device 100 can subscribe (or the user device 100) Information on an unowned payment card (or new payment card) (or unowned payment card information/new payment card information) that can be issued at (100) is transmitted.

As an example, the service providing device 300 may provide information about an AA payment card (or AA payment card information), information about an EE payment card (or EE payment card information) etc. are transmitted (S470).

Thereafter, the user device 100 receives information (or payment information) about the payment card (or recommended payment card) identified (or selected) among the payment cards issued to the user device 100 transmitted from the service providing device 300. Card information/recommended payment card information), payment that the user of the user device 100 selected from among payment cards not issued to the user device 100 can subscribe to (or can receive from the user device 100) Receive information about the card (or new payment card) (or information about an unowned payment card/new payment card), etc.

In addition, the user device 100 receives information (or payment card information/recommended payment card information) about the confirmed (or selected) payment card (or recommended payment card) among the payment cards issued to the user device 100. ), an unowned payment card (or a new payment card) that the user of the user device 100 can sign up for (or can be issued by the user device 100) selected from among the payment cards not issued to the user device 100 Displays information about (or information about unowned payment cards/new payment cards), etc.

As an example, as shown in FIG. 7, the user device 100 includes information about the AA payment card (or AA payment card information) 710 transmitted from the service providing device 300, information about the EE payment card ( or EE payment card information) (720), etc. are displayed (S480).

Thereafter, information on the payment card (or recommended payment card) displayed on the user device 100 (or payment card information/recommended payment card information), information on the non-held payment card (or new payment card) (or non-held payment card) When a payment card (or recommended payment card) is selected in information/new payment card information, etc., the user device 100 receives a PIN number corresponding to the selected payment card (or recommended payment card) according to the user input.

In addition, the user device 100 provides information about the selected payment card (or recommended payment card), a PIN number corresponding to the payment card (or recommended payment card), identification information of the user device 100, etc. to the service providing device 300. ) is sent to

As an example, information about the AA payment card (710) can be found in the information about the AA payment card (or AA payment card information) 710 and the information about the EE payment card (or EE payment card information) 720 shown in FIG. 7. ) is selected, the user device 100 receives the first PIN number (eg, 123456) corresponding to the selected AA payment card according to the user input. In addition, the user device 100 provides information about the AA payment card (or AA payment card/AA payment card type), first PIN number (for example, 123456), identification information of the user device 100, etc. to the service providing device. Send to (300) (S490).

Additionally, information about the payment card (or recommended payment card) displayed on the user device 100 (or payment card information/recommended payment card information), information about the non-held payment card (or new payment card) (or non-held payment card) When an unowned payment card (or new payment card) is selected in the information/new payment card information, etc., the user device 100 uses the non-owned payment card (or The issuance (or subscription) procedure for a new payment card) is performed, and the corresponding unowned payment card (or new payment card) issued from the relevant affiliate server 600 is registered in the user device 100.

That is, information about the payment card (or recommended payment card) displayed on the user device 100 (or payment card information/recommended payment card information), information about the non-held payment card (or new payment card) (or non-held payment card) When an unowned payment card (or new payment card) is selected in information/new payment card information, etc., the user device 100 collects information about the previously selected unowned payment card, user device 100, in order to issue a new payment card. Identification information, etc. is transmitted to the service providing device 300. In addition, the service providing device 300 receives information about unowned payment cards transmitted from the user device 100, identification information of the user device 100, etc., and provides information corresponding to the received identification information of the user device 100. Check user information. In addition, the service providing device 300 responds to the information about the non-possessed payment card by transmitting information about the non-possessed payment card, confirmed user information, etc. to the corresponding affiliate server 600 corresponding to the information about the non-possessed payment card. Request the issuance of a payment card that is not in your possession. In addition, the affiliate server 600 receives information about unowned payment cards, user information, etc. transmitted from the service provision device 300, and uses the information about the unowned payment cards received, user information, etc. (or a payment card that has not been issued to the user device 100) is issued to the user device 100. Additionally, the user device 100 registers (or stores) the unowned payment card (or new payment card) issued from the affiliate server 600 in the user device 100.

As an example, information about the EE payment card (720) can be found in the information about the AA payment card (or AA payment card information) 710 and the information about the EE payment card (or EE payment card information) 720 shown in FIG. 7. ) is selected, the user device 100 transmits information about the EE payment card, identification information of the user device 100, etc. to the service providing device 300 to request issuance of the selected EE payment card. Afterwards, the service providing device 300 verifies user information related to the corresponding user device 100, and transmits the confirmed user information, information about the EE payment card, etc. to the related affiliate server 600 to process the corresponding EE payment card. Request issuance. Thereafter, the affiliate server 600 issues the EE payment card corresponding to the information on the EE payment card to the user device 100 based on the user information transmitted from the service providing device, information on the EE payment card, etc. . Thereafter, the user device 100 registers the EE payment card issued from the affiliate server 600 in an electronic wallet app, which is a specific app (S500).

Afterwards, the user device 100 receives a PIN number corresponding to the newly issued new payment card according to the user input.

Additionally, the user device 100 transmits information about the new payment card (or new payment card information), a PIN number corresponding to the new payment card, and identification information of the user device 100 to the service providing device 300. .

As an example, the user device 100 receives a second PIN number (eg, 987654) corresponding to a newly issued EE payment card according to user input. In addition, the user device 100 provides information about the EE payment card (or EE payment card/EE payment card type), a second PIN number (e.g. 987654), identification information of the user device 100, etc. to the service providing device. Transmit to (300) (S510).

Thereafter, the service providing device 300 receives information about the payment card (or payment card/payment card type) transmitted from the user device 100, a PIN number (or a PIN number corresponding to information about the payment card), and the user device. Receive 100 identification information, etc. Here, the information about the payment card is information about a payment card selected from cards previously issued to the user device 100 (or information about a recommended payment card) or information about a new payment card newly issued because it has more benefits. (Or it may be information about a non-owned payment card/new payment card).

In addition, the service providing device 300 provides information about the received payment card (or payment card/type of payment card), a PIN number (or a PIN number corresponding to information about the payment card), and identification information of the user device 100. Save (or temporarily save) etc.

As an example, the service providing device 300 may include information about the AA payment card (or AA payment card/AA payment card type) transmitted from the user device 100, a first PIN number (for example, 123456), and a user device ( 100) receives identification information, etc.

As another example, the service providing device 300 may receive information about the EE payment card (or EE payment card/EE payment card type) transmitted from the user device 100, a second PIN number (e.g. 987654), and the user device 100. Identification information of (100) is received (S520).

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

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

As an example, the POS terminal 400 recognizes the barcodes attached to the 11th to 13th products selected by the user of the user device 100, respectively, as shown in FIG. 8 As described above, product information 800 for the recognized 11th to 13th products is displayed (S530).

Thereafter, the POS terminal 400 transmits one or more product information to be paid (or recognized product information to be paid), identification information of the POS terminal 400, identification information of the user device 100, etc. to the payment server 500. do.

As an example, the POS terminal 400 transmits product information for the recognized 11th to 13th products, identification information of the POS terminal 400, identification information of the user device 100, etc. to the payment server 500. (S540).

Thereafter, the payment server 500 receives one or more product information to be paid (or recognized product information to be paid) transmitted from the POS terminal 400, identification information of the POS terminal 400, identification information of the user device 100, etc. receives.

Additionally, the payment server 500 transmits identification information of the user device 100 to the service providing device 300 in order to perform an authentication procedure related to the user device 100.

As an example, the payment server 500 receives product information for the 11th to 13th products transmitted from the POS terminal 400, identification information of the POS terminal 400, identification information of the user device 100, etc. , the received identification information of the user device 100, etc. is transmitted to the service providing device 300 (S550).

Afterwards, the service providing device 300 receives the identification information of the user device 100 transmitted from the payment server 500.

In addition, the service providing device 300 provides information about the payment card (or payment card/payment card type) stored (or temporarily stored) in relation to the user device 100 based on the received identification information of the user device 100. ), check the PIN number (or the PIN number corresponding to the information on the payment card), etc.

In addition, the service providing device 300 may send card information, user information, benefit information, etc. corresponding to the identification information of the user device 100 and/or payment card information (or payment card/payment card type) to the payment server ( 500). Here, the card information includes the card number, expiration date, CVC number, user name, etc. for the card previously registered in the user device 100. Additionally, user information includes user name, date of birth, address, image, etc.

In other words, the service providing device 300 may provide information regarding the user device 100 (or the user device 100) corresponding to the identification information and/or information about the payment card (or payment card/payment card type). Card information, user information, benefit information, etc. previously stored in the service providing device 300 are checked, and the confirmed card information, user information, benefit information, etc. are transmitted to the payment server 500.

As an example, the service providing device 300 sends first card information, first user information, first benefit information, etc. corresponding to the identification information of the user device 100 and information about the AA payment card to the payment server 500. send.

As another example, the service providing device 300 sends second card information, second user information, second benefit information, etc. corresponding to the identification information of the user device 100 and information about the EE payment card to the payment server 500. send to

In addition, the service providing device 300 corresponds to information about the payment card (or payment card/payment card type), PIN number (or information about the payment card) stored (or temporarily stored) in relation to the user device 100. Verifies (or performs an authentication procedure) the validity of the payment card issued to the user device 100 based on the PIN number, etc., and if the confirmation result (or the result of performing the authentication procedure) is that the payment card is valid, Card information, user information, benefit information, etc. corresponding to the payment card may be transmitted to the payment server 500 (S560).

Thereafter, the payment server 500 receives card information, user information, benefit information, etc. transmitted from the service providing device 300 in response to the previously transmitted identification information of the user device 100.

Additionally, the payment server 500 performs a payment function for the payment amount corresponding to the 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 transmitted from the service providing device 300 (or benefit information applicable to the user of the corresponding user device 100) to the price information for one or more products to be paid. You can perform a payment function for the payment amount applied.

As an example, the payment server 500 receives first card information, first user information, first benefit information, etc. transmitted from the service providing device 300 in response to the previously transmitted identification information of the user device 100, and , a payment function is performed for the payment amount by applying the benefit amount corresponding to the first benefit information for the 11th to 13th products to be paid (S570).

Thereafter, the payment server 500 transmits the payment function performance result (or payment information) to the POS terminal 400, the service provision device 300, etc. Here, the payment function performance 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, etc.

As an example, the payment server 500 transmits the result of performing the payment function for the 11th to 13th products to the POS terminal 400, the service provision device 300, etc. (S580).

Afterwards, the POS terminal 400 receives the result of performing the payment function transmitted from the payment server 500.

Additionally, the POS terminal 400 transmits the received payment function performance result to the user device 100.

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

Additionally, the POS terminal 400 may output the received payment function performance results through printed matter such as a receipt (S590).

Thereafter, the user device 100 receives a payment function performance result transmitted from the POS terminal 400 after the payment function for one or more previously selected products is normally performed.

Additionally, the user device 100 displays the received payment function performance results.

As an example, the user device 100 receives the result of performing the payment function for the 11th to 13th products previously selected. Additionally, the user device 100 displays the result of performing the payment function through the electronic wallet app (S600).

The user device, service provision device, POS terminal, and payment system including the same 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 written by a computer programmer in the field. can be inferred. In addition, the computer program is stored in computer readable media, and is read by a computer, user device, beacon, service provision device, POS terminal, payment server, etc. according to embodiments of the present invention. By being executed, a user device, a service provision device, a POS terminal, and a payment system including the same can be implemented.

Information storage media include magnetic recording media, optical recording media, and carrier wave media. The computer program implementing the user device, service providing device, POS terminal, and payment system including the same according to an embodiment of the present invention is stored and installed in the internal memory of the user device, beacon, service providing device, POS terminal, payment server, etc. 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 may be connected to the user device, a beacon, or a service through an interface. It may be installed in provision devices, POS terminals, payment servers, etc.

As described above, an embodiment of the present invention analyzes a user's consumption pattern and recommends a new payment card that can be issued in addition to one or more payment cards issued in relation to the user based on the analyzed consumption pattern of the user. and issuance functions, and is applied to simple payment using the pre-authentication method, recommending appropriate existing payment cards or new payment cards during the pre-authentication process before the actual product and price are determined, maximizing the user's expected benefits, and maximizing the user's expected benefits. In a situation where a new payment card is recommended and the new payment card is issued with minimal operation, the issued new payment card can be immediately applied when making a payment, thereby activating the registration and issuance of new payment cards and receiving more benefits accordingly. An environment in which this can be provided can be created.

The above-described content can be modified and modified by anyone skilled in the art without departing from the essential characteristics of the present invention. Accordingly, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention, but are for illustrative purposes, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be interpreted in accordance with the claims below, and all technical ideas within the equivalent scope should be construed as being included in the scope of rights of the present invention.

The present invention analyzes a user's consumption pattern, provides a function for recommending and issuing new payment cards that can be additionally issued in addition to one or more payment cards issued in relation to the user based on the analyzed consumption pattern of the user, and provides pre-authentication. Applied to the simple payment method, it recommends appropriate existing or new payment cards during the pre-authentication process before the actual product and price are determined, maximizing the user's expected benefits and recommending new payment cards when room is available. After receiving the new payment card with minimal manipulation, the issued new payment card can be immediately applied to the payment, creating an environment in which registration and issuance of new payment cards can be activated and more benefits can be provided accordingly. As such, it can be widely used in the simple payment field, advertising field, service provision device field, user device field, POS terminal field, payment server field, etc.

10: Payment system 100: User device
200: Beacon 300: Service provision 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 600: Affiliate server

Claims (11)

Through analysis of purchase history for each user device, the purchased products and purchase amount for each affiliated store are estimated, and based on the estimated purchased product and purchase amount and benefit information for each affiliated store, among one or more payment cards issued to the user's device, the best benefits for each affiliated store are determined. A service providing device that selects large payment cards as recommended payment cards for each affiliated store; and
When entering a store, the unique identification information of the beacon and the identification information of the user device transmitted from the beacon in the store are transmitted to the service providing device, and the service is provided in response to the unique identification information of the transmitted beacon and the identification information of the user device. It includes a user device that receives a first recommended payment card and a new payment card available for subscription, selected from one or more previously issued payment cards transmitted from the device, and displays the received first recommended payment card and a new payment card available for subscription; ,
The service providing device, through analysis of the purchase history, provides products and purchases for each affiliated store based on at least one of a consumption pattern at the affiliated store, a consumption pattern according to region and time, and a consumption pattern according to benefit information for the user device. Estimating the amount, based on the estimated purchased products and purchase amount in relation to the store corresponding to the unique identification information of the beacon, benefit information provided by the store, and past usage history for each payment card held corresponding to the user device. Select a new payment card that can be subscribed to that has greater benefits than the recommended payment card corresponding to the store,
When the new payment card is selected from among the displayed first recommended payment card and the new payment card available for subscription, the user device collects information about the selected new payment card and the user device in order to issue a new payment card. transmit identification information to the service providing device,
The service providing device verifies user information corresponding to the identification information of the user device, and transmits the information about the selected new payment card and the user information to an affiliate server corresponding to the information about the selected new payment card. The selected new payment card is issued to the user device based on the information about the selected new payment card and the user information through the affiliate server, and when the payment performance of the user device is confirmed, the past payment history corresponding to the user device is recalled. Considering the expected benefits of making a payment using a payment method that the user device does not have, a new payment card is proposed to be sent to the user device, and the results of processing the past payment history through the other new payment card are presented in the past. After generating expected benefit information about the increased discount amount compared to the payment history, it is transmitted to the user device along with the other new payment card and provided,
The benefit information is a payment system characterized in that it includes at least one of coupon information, membership benefit information, and discount benefit information. ◈Claim 2 was abandoned upon payment of the setup registration fee.◈ According to claim 1,
The service providing device identifies the affiliated store corresponding to the unique identification information of the beacon, and selects the first recommended payment card corresponding to the confirmed affiliated store among recommended payment cards for each affiliated store previously stored in response to the identification information of the user device. A payment system characterized by confirmation. delete delete delete delete estimating the purchased product and purchase amount for each affiliated store through analysis of purchase history for each user device through the service provision device;
Through the service provision device, the payment card with the greatest benefit for each affiliated store is selected as the recommended payment card for each affiliated store among one or more payment cards issued to the user device based on the estimated purchased product, purchase amount, and benefit information for each affiliated store. steps;
Receiving, through a user device, identification information of the beacon transmitted from the beacon;
Through the service provision device, the first recommended payment is confirmed among recommended payment cards for each affiliated store stored in advance in response to the identification information of the user device based on the identification information of the beacon and the identification information of the user device transmitted from the user device. transmitting a new payment card that has greater benefits than a card and one or more payment cards issued to the user device and that a user of the user device can sign up for;
displaying the first recommended payment card and the new subscriptionable payment card transmitted from the service providing device through the user device;
When the new payment card is selected from among the first recommended payment card displayed on the user device and the new payment card available for subscription, information about the selected new payment card in order to issue a new payment card through the user device. and transmitting identification information of the user device to the service providing device.
Confirming user information corresponding to identification information of the user device through the service providing device;
transmitting information about the new payment card and the user information to an affiliate server corresponding to the information about the new payment card through the service providing device; and
issuing the new payment card to the user device based on the information on the new payment card and the user information transmitted from the service providing device through the affiliate server;
Includes,
The estimation step is,
Through the service provision device, through analysis of the purchase history of the user device, products purchased at each affiliated store and Further comprising the step of estimating the purchase amount,
The step of transmitting a new payment card that can be subscribed to is,
Through the service provision device, estimated purchased products and purchase amount in relation to a specific affiliated store corresponding to the identification information of the beacon, benefit information provided by the specific affiliated store, and past usage records for each payment card held corresponding to the user device. Based on this, it further includes the step of selecting a new payment card available for subscription that has greater benefits than the recommended payment card corresponding to the specific affiliated store,
After issuing the new payment card to the user device,
When checking the payment performance of the user device through the service providing device, another new payment card is selected by taking into account the expected benefits of processing the past payment history corresponding to the user device through a payment method that the user device does not possess. Proposed by transmitting to the user device, the results of processing the past payment history through the other new payment card are compared with the past payment history to generate expected benefit information for the increased discount amount, and then the new payment card is sent to the user device. It further includes the step of transmitting and providing to the user device,
The benefit information includes at least one of coupon information, membership benefit information, and discount benefit information. delete delete delete delete

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