KR102626969B1 - Payment processing method and payment processing system providing simple access authentication - Google Patents

Abstract

The present invention relates to a payment processing method and payment device that can verify the user's identity without a separate ID presentation process by using a simple authentication method when making a reservation or payment for a service. The method of processing the payment by the intermediary server includes processing the transaction from the affiliated store terminal. Receiving information, transmitting a payment approval request to the payment approval server based on the transaction information, receiving an approval response from the payment approval server, transmitting the payment information to the visit record server, and sending an approval response to the affiliated store terminal. It may include a step of transmitting, and a step of requesting transmission of consumer information to the consumer terminal.

Description

Payment processing method and payment processing system supporting simple access authentication {PAYMENT PROCESSING METHOD AND PAYMENT PROCESSING SYSTEM PROVIDING SIMPLE ACCESS AUTHENTICATION}

The present invention relates to a payment processing method and payment device that supports a simple access authentication method and allows user identification or access verification at the same time as payment.

Recently, various policies have been implemented to prevent the spread of diseases, such as social distancing, ban on gatherings, and creation of entry registers. In particular, consumers are required to manually create an entry list when entering an affiliated store or require separate consumer authentication. The means has been issued and records of access to affiliated stores are being kept at the Korea Centers for Disease Control and Prevention.

However, according to this current method, consumers must separately issue a simple authentication method to record access and proceed with payment, which is very inconvenient for consumers when following this procedure. There is no choice but to gain experience.

In addition, according to the current method, there is the inconvenience of having to manage a separate register to record visitors' entry and exit from the franchise owners' perspective, and furthermore, scanning consumers' authentication means (QR code, etc.) in addition to the POS terminal for payment. There are many burdens because a separate tablet PC, etc. must be provided for this purpose.

The present invention was proposed with this problem in mind, and is intended to create an environment that not only allows payments to be made on a POS terminal, but also allows reception of visit records to record the visitor's visit records, and further provides simple authentication. The purpose is to implement a system that uses the means to identify users' movement routes and quickly share disease outbreak situations with other users who stayed in the same place as the user. Additionally, in addition to solving the above technical problems, the present invention was invented to provide additional technical elements that cannot be easily invented by those skilled in the art.

Korean Patent Publication 10-1601636 (2016.03.03)

The purpose of the present invention is to provide that when a consumer visits a service provider, etc., not only payment but also confirmation of the user's visit can be made using a simple authentication method.

In particular, the present invention seeks to provide an environment in which not only payment but also user identity verification or user visit verification can be performed using an affiliated store terminal (POS terminal).

In order to solve the above problem, a method of processing a payment by an intermediate server according to an embodiment includes the steps of receiving transaction information from an affiliated store terminal, transmitting a payment approval request to the payment approval server based on the transaction information, It may include receiving an approval response from a payment approval server, transmitting payment information to a visit record server, transmitting an approval response to an affiliated store terminal, and requesting transmission of consumer information to a consumer terminal.

Transaction information may include the identification number of the simple authentication method and the payment request amount.

Payment information may include at least one of the payment approval date and time, payment method, payment approval number assigned from the payment approval server, and transaction unique number.

Consumer information may include Connecting Information (CI), a payment authorization number assigned from a payment authorization server, and a transaction identification number received from an intermediary server.

The step of transmitting payment information to the visit record server may include separately receiving a simple authentication method for access authentication from the affiliated store terminal, and transmitting payment information to the visit record server in response to receiving the simple authentication method. You can.

The step of receiving transaction information from the affiliated store terminal may include receiving information about whether payment is approved and information about whether consumer information is transmitted.

A payment processing system according to another embodiment includes a consumer terminal that requests simple authentication from an affiliated store terminal, an affiliated store terminal that transmits transaction information between a consumer and an affiliated store to an intermediate server in response to a request for simple authentication, and payment based on the transaction information. It includes an intermediary server that requests payment approval from the approval server and transmits payment information to the visit record server. When the payment is approved, the affiliated store terminal transmits the affiliated store information to the visit record server, and the consumer terminal records consumer information in the visit record server. It can be sent to the server.

The consumer terminal may transmit consumer information to the visit record server in response to a transmission request message for consumer information received from the mediation server.

The mediation server may transmit payment information to the visit record server in response to the payment approval message received from the payment approval server.

Transaction information may include the identification number of the simple authentication method and the payment request amount.

The payment processing system may further include a visit record server that processes payment information received from the brokerage server, affiliated store information received from the affiliated store terminal, and consumer information received from the consumer terminal and stores them in a database.

The visit record server records the payment information, merchant information, and consumer information received based on the transaction unique number included in the payment information received from the brokerage server, merchant information received from the merchant terminal, and consumer information received from the consumer terminal. You can save them by matching them.

Simple authentication means may include a QR code or barcode.

According to the present invention, consumer convenience can be increased in that users can easily verify their identity and visit when making payments for products or services.

In addition, from the franchise owner's perspective, there will be no need to prepare and manage an additional terminal for receiving user visit records in addition to the franchise terminal, which can also reduce the burden on the franchise owner.

In addition, according to the present invention, since payment and user identification can be processed in one procedure, the time required for payment and user identification can be shortened compared to the existing method.

1 is a flowchart of a payment processing method supporting simple authentication according to an embodiment of the present invention.
Figure 2 is a conceptual diagram of a payment processing system according to an embodiment.
Figure 3 is a UI (User Interface) screen of a consumer terminal to explain a situation in which payment and access authentication are performed by presenting a single simple authentication method according to an embodiment.
Figure 4 is a UI screen of a consumer terminal to explain a situation in which payment and access authentication are performed separately according to another embodiment.

Details regarding the purpose and technical configuration of the present invention and its operational effects will be more clearly understood by the following detailed description based on the drawings attached to the specification of the present invention. Embodiments according to the present invention will be described in detail with reference to the attached drawings.

The embodiments disclosed in this specification should not be construed or used as limiting the scope of the present invention. It is obvious to those skilled in the art that the description, including embodiments, of this specification has various applications. Accordingly, any embodiments described in the detailed description of the present invention are illustrative to better explain the present invention and are not intended to limit the scope of the present invention to the embodiments.

Like reference numerals refer to like elements throughout the specification. This specification does not describe all elements of the embodiments, and general content or overlapping content between the embodiments in the technical field to which the present invention pertains is omitted.

Throughout the specification, when a part is said to be “connected” to another part, this includes not only direct connection but also indirect connection, and indirect connection includes connection through a wireless communication network. do.

Additionally, when a part "includes" a certain component, this means that it may further include other components rather than excluding other components, unless specifically stated to the contrary.

Singular expressions include plural expressions unless the context clearly makes an exception.

The identification code for each step is used for convenience of explanation. The identification code does not explain the order of each step, and each step may be performed differently from the specified order unless a specific order is clearly stated in the context. there is.

Hereinafter, each embodiment of the present invention will be looked at with reference to the drawings.

FIG. 1 is a flowchart of a payment processing method supporting simple authentication according to an embodiment of the present invention, and FIG. 2 is a conceptual diagram of a payment processing system according to an embodiment of the present invention.

Code-based payment methods are largely divided into MPM (Merchant Presented Mode) and CPM (Customer Presented Mode) methods.

Figures 1 and 2 show one embodiment of the CPM method.

When payment is made according to the CPM method, the consumer is issued a simple authentication method that allows access to the individual's electronic wallet, and the merchant can receive the amount required for payment from the consumer by accessing the consumer's simple authentication method. .

Representative examples of simple authentication methods include barcodes, QR codes, and authentication number generators. When barcodes and QR codes are used, the affiliated store terminal 200 photographs or scans the consumer's barcode or QR code (hereinafter referred to as scanning). By doing so, the consumer's account or card information (hereinafter referred to as "electronic wallet") can be accessed, and in the case of the authentication number generator, the affiliated store terminal 200 inputs the authentication number generated in the authentication number generator to the consumer's electronic wallet. You can also access it. The authentication number generator can be implemented as a separate application within the user terminal 100.

Meanwhile, various policies have recently been implemented to prevent the spread of diseases, such as social distancing, ban on gatherings, and creation of entry registers. In particular, consumers are either manually preparing the entry list when entering affiliated stores or using a separate entry list. Consumer authentication tools are issued and records of access to affiliated stores are kept at the Korea Centers for Disease Control and Prevention.

However, according to this method, consumers must separately proceed with the issuance of a simple authentication method to leave access records and the issuance of a simple authentication method to proceed with payment. If this procedure is followed, it is an extremely inconvenient experience for consumers. This is bound to happen. In other words, consumers are bound to feel inconvenienced because they have to operate their smartphones to separately authenticate for payment and to confirm access.

The payment processing method and payment processing system according to the embodiment of FIGS. 1 and 2 can provide a payment and access confirmation environment that allows creation of an access list and payment at the same time to relieve consumers of such inconvenience.

The payment processing system according to one embodiment may include a consumer terminal 100, an affiliated store terminal 200, an intermediate server 300, a payment approval server 400, and a visit record server 500.

First, the consumer terminal 100 makes a simple authentication request to the affiliated store terminal 200 through the above-described simple authentication means (S1100).

Performing a simple authentication request may include the consumer terminal 100 creating a simple authentication method and the affiliated store terminal 200 scanning the generated simple authentication method or receiving input from an affiliated store manager.

The consumer terminal 100 has a network function, such as a smartphone, smart watch, smart glasses, laptop computer, tablet computer, PDA, PDP, PMP, etc., and is an algorithm for controlling the operation of the components or a program that reproduces the algorithm. It may include a memory that stores a database for the application, and a processor that creates a simple authentication method using the database stored in the memory or transmits data to another device. At this time, the memory and processor may each be implemented as separate chips. Alternatively, the memory and processor may be implemented as a single chip.

The consumer terminal 100 may be any terminal that can generate and display a simple authentication method.

The consumer terminal 100 can be given a different simple authentication method for each consumer, thereby enabling identification of the consumer, and the mediation server 300 can access the electronic wallet of the identified consumer.

Subsequently, the affiliated store terminal 200 transmits transaction information including the identification number of the simple authentication method received from the consumer terminal 100 and the payment request amount to the mediation server 300 (S1200), and the mediation server 300 A unique transaction number is generated to identify the transaction, and based on the identification number of the simple authentication method, payment is made through the consumer's electronic wallet with the corresponding identification number on the payment approval server 400 of the card company or bank for which the payment is to be made. Request the requested amount (S1300).

The identification number of the simple authentication method may be classified for each card company or bank, and the mediation server 300 may determine which payment approval server 300 to connect to based on the identification number.

The affiliated store terminal 200 is a device that settles the purchase amount and allows the affiliated store manager to collect and process various information necessary for management, and may be, for example, a POS (Point of Sales) terminal.

The affiliated store terminal 200 may include a reader or scanner that can scan a simple authentication method implemented as a code, and may also include an input device that can input a number.

The affiliated store terminal 200 also has a memory that stores a database for an algorithm or a program or application that reproduces the algorithm for controlling the operation of components within the affiliated store terminal 200, and performs the above-described operations using the database stored in the memory. It may include a processor that performs At this time, the memory and processor may each be implemented as separate chips. Alternatively, the memory and processor may be implemented as a single chip.

The mediation server 300 serves as an intermediary between the consumer terminal 100, the merchant terminal 200, and the payment approval server 400. In particular, the merchant terminal 200 can participate in the code-based payment process. It can be understood as an important configuration that has led to this.

This mediation server 300 may be operated or operated by a separate mediation service provider in addition to the payment service provider. For example, the mediation server 300 may pre-register and store information about the affiliated store or information about the affiliated store terminal 200, and when the affiliated store terminal 200 requests authentication while transmitting transaction information ( S1200) You can check which affiliated store is making the payment or purchase request, and after the payment is completed, you can notify the affiliated store so that a receipt can be printed. The functions of the mediation server 300 will be examined in more detail through the payment process, which will be described later.

The mediation server 300 also performs the above-described operations using a memory that stores a database for an algorithm or a program or application that reproduces the algorithm for controlling the operation of components within the mediation server 300, and the database stored in the memory. It may include a processor that At this time, the memory and processor may each be implemented as separate chips. Alternatively, the memory and processor may be implemented as a single chip.

Next, when the mediation server 300 requests a valid consumer identification number, the payment approval server 400 approves the transaction so that payment is made from the consumer's electronic wallet for the amount requested by the affiliated store terminal 200 based on the identification number. , a payment approval number may be generated and a response message indicating that the payment has been successfully approved may be transmitted to the mediation server 300 (S1400). At this time, the response message may include the approval date and time and approval number.

The payment approval server 400 also has a memory that stores a database for an algorithm or a program or application that reproduces the algorithm for controlling the operation of components within the mediation server 300, and performs the above-described operations using the database stored in the memory. It may include a processor that performs At this time, the memory and processor may each be implemented as separate chips. Alternatively, the memory and processor may be implemented as a single chip.

The mediation server 300, which has received the approval response, can transmit the consumer's payment information to the visit record server 500 (S1500) and can transmit a response message notifying that the payment has been approved to the affiliated store terminal 200 (S1600). At this time, the response message may include a transaction unique number.

The consumer's payment information may include various information related to the consumer's payment, such as payment approval date and time, payment method, payment approval number assigned from the payment approval server 400, and transaction unique number.

When the affiliated store terminal 200 receives a response message from the mediation server 300, the affiliated store terminal 200 may transmit affiliated store information to the visit record server 500 (S1700).

The affiliated store information may include various information related to the affiliated store, such as the affiliated store name, affiliated store identification number, affiliated store address, affiliated store contact information, and unique number of the affiliated store terminal 200, and may further include a unique transaction number.

Subsequently, the mediation server 300 may request transmission of consumer information to the consumer terminal 100 (S1800), and the consumer terminal 100, which has received the request message, may transmit the consumer information to the visit record server 500. (S1900).

Consumer information may include a variety of information that can identify an individual consumer, such as CI (Connecting Information), and the consumer terminal 100 may separately receive an authorization number from the payment authorization server 400 and an authorization number sent to the mediation server 300. It may further include a transaction unique number assigned by .

The visit record server 500 stores the payment information received from the brokerage server 300, the affiliated store information received from the affiliated store terminal 200, and the consumer information received from the consumer terminal 100 as unprocessed data to another server (e.g. For example, it can be transmitted to the server of the Korea Centers for Disease Control and Prevention) or stored in a separate database.

In addition, the visit record server 500 may process and sort consumer information as shown in FIG. 2, including payment information received from the mediation server 300, affiliated store information received from the affiliated store terminal 200, and consumer information. Based on the transaction unique number included in each consumer information received from the terminal 100, the received payment information, affiliated store information, and consumer information can be matched and stored.

Accordingly, in addition to the records of each transaction, an entry list of individual consumers can be created.

Meanwhile, in the case of the payment processing method and payment processing system according to the above-described embodiment, when a consumer presents a simple authentication method at an affiliated store, payment and access authentication are performed by scanning or entering a simple authentication method through the affiliated store terminal 200. Although described as being carried out all at once, in the case of a payment processing method and payment processing system according to another embodiment, the process for payment and the process for creating an access list may be carried out separately.

Figure 3 is a UI (User Interface) screen of a consumer terminal to explain a situation in which payment and access authentication are performed by presenting a single simple authentication method according to one embodiment, and Figure 4 is a UI (User Interface) screen of a consumer terminal according to another embodiment. This is a UI screen of a consumer terminal to explain the situation in which each authentication is carried out separately.

Referring to FIG. 3(a), the consumer terminal 100 of the payment processing system according to one embodiment may generate a simple authentication method when receiving a request for creation of a simple authentication method from the consumer. At this time, the simple authentication method may be a one-time creation, or it may be a non-temporary authentication method uniquely created for each consumer.

Referring to FIG. 3(b), the consumer terminal 100 of the payment processing system according to one embodiment can receive one more selection from the consumer whether to approve the payment and transmit the consumer information to the visit record server 500. The screen can be displayed. Here, consumer information becomes information for creating an access list.

When the consumer approves payment and transmission of consumer information, the consumer terminal 100 of the payment processing system according to one embodiment sends a message notifying the consumer that payment and entry register creation have been completed, as shown in FIG. 3(c). can be output. However, if the consumer does not approve the payment and transmission of consumer information, the consumer terminal 100 may output a message indicating that the payment and entry list creation failed, and the affiliated store terminal 200 and the brokerage server 300 may not proceed with the payment process and access list creation process described above.

Meanwhile, Figure 3(b) shows only a screen where you can select whether to approve payment and transmit consumer information at the same time, but it is also possible to select separately whether to approve payment and transmit consumer information.

Referring to Figure 4(b)(c), the consumer terminal 100 of the payment processing system according to another embodiment can separately select whether to approve the payment and whether to approve the creation of the access list.

According to another embodiment, when the consumer terminal 100 selects approval for the payment request from the affiliated store and also receives approval for creating an access list, the payment process and the access list creation process may proceed as shown in FIG. 3 .

According to another embodiment, when the consumer terminal 100 selects approval of the payment request from the affiliated store and non-approval of creation of the access list, the payment process (S1300, S1400 in FIG. 1) through the payment approval server 400 is However, the access list creation process (S1500, S1700, S1800, and S1900 in FIG. 1) does not proceed.

According to another embodiment, when the consumer terminal 100 selects non-approval of the payment request of the affiliated store and approval of creation of the access list, the payment process (S1300, S1400, S1500 in FIG. 1) through the payment approval server 400 ) does not proceed, and the access list creation process (S1700, S1800, and S1900 in FIG. 1) proceeds.

According to another embodiment, when the consumer terminal 100 selects non-approval of the merchant's payment request and non-approval of access list creation, neither the payment process nor the access list creation process proceeds.

Meanwhile, in the above-described embodiments, the payment process and the access list creation process are described as being carried out simultaneously by the affiliated store terminal 300 scanning or entering a simple authentication method only once in order to proceed with the payment process and the access list creation process. Scanning or inputting of a simple authentication method to proceed and scanning or inputting of a simple authentication method to create an access list may be performed separately.

On the other hand, the above-described embodiments relate to the fact that the consumer who is the party to the payment can perform both payment and access authentication, but in general, there may be more than one consumer visiting a restaurant, etc., so that multiple consumers can make payments. There is also a need to proceed with access authentication. The method and system according to the present invention can be modified to enable payment and access authentication for multiple consumers. For example, in a situation where four consumers visit a restaurant and the first consumer pays for all the food at once, the first consumer uses his/her consumer terminal (100) to contact the affiliated store terminal (200). A simple authentication request (S1100) can be made, and after steps S1200 to S1600 are performed, the affiliated store terminal 200, that is, the POS terminal, scans a simple authentication method (QR code, etc.) from each of the remaining three consumers. By doing so, the POS terminal can obtain information about all four consumers. Meanwhile, the information on the four consumers obtained in this way may be transmitted together when the affiliated store terminal 200 transmits the affiliated store information to the visit record server 500 in step S1700. If a simple authentication method for multiple consumers is scanned to correspond to a single payment, it has the effect of being able to identify which consumers ate together or did activities together in relation to the payment. Since consumers' access authentication can be managed on a per-payment basis, it can also achieve the effect of making management easier compared to the conventional individual access authentication.

As another modified example, when several consumers eat at a restaurant, a random first consumer receives access authentication information (name, phone number, residence, or other information to identify an individual) from other consumers in advance before payment. At least one character) can be collected, and when the first consumer transmits consumer information to the visit record server 500 in step S1900 of FIG. 1, previously collected information for access authentication of other consumers can also be transmitted. there is. In this modified example, there may be a further step in which the consumer terminal 100 receives information for access authentication from other consumers before step S1100 of FIG. 1, and this step may be, for example, a step in which the consumer terminal 100 receives information for access authentication from other consumers. It can be implemented in various ways, such as a method in which (100) sends and receives messages to request information for access authentication, and a method of sharing information for access authentication in a group chat room where consumers, including other consumers, participate.

We have also looked at modified examples of the method and system according to the present invention.

Meanwhile, the disclosed embodiments may be implemented in the form of a recording medium that stores instructions executable by a computer. Instructions may be stored in the form of program code, and when executed by a processor, may create program modules to perform operations of the disclosed embodiments. The recording medium may be implemented as a computer-readable recording medium.

Computer-readable recording media include all types of recording media storing instructions that can be decoded by a computer. For example, there may be Read Only Memory (ROM), Random Access Memory (RAM), magnetic tape, magnetic disk, flash memory, optical data storage device, etc.

As described above, the disclosed embodiments have been described with reference to the attached drawings. A person skilled in the art to which the present invention pertains will understand that the present invention can be practiced in forms different from the disclosed embodiments without changing the technical idea or essential features of the present invention. The disclosed embodiments are illustrative and should not be construed as limiting.

100: Consumer terminal
200: Affiliated store terminal
300: mediation server
400: Payment approval server
500: Visit history server

Claims (13)

In how the mediation server processes payments,
Receiving transaction information from an affiliated store terminal;
Transmitting a payment approval request to a payment approval server based on the transaction information - the transaction information includes an identification number of a simple authentication means and a payment request amount;
Receiving an approval response from the payment approval server;
Payment information - The payment information includes the payment approval date and time, payment method, payment approval number granted by the payment approval server, and transaction unique number - is transmitted to the visit record server, and an approval response is sent to the affiliated store terminal. steps; and
Requesting transmission of consumer information to a consumer terminal - the consumer information includes CI (Connecting Information), a payment approval number granted from the payment approval server, and a transaction identification number received from the mediation server; Contains,
The consumer information includes information for access authentication of other consumers collected by the consumer terminal from the terminals of other consumers - the information for access authentication of other consumers includes name, phone number, and residence. A method characterized by further comprising:
delete delete delete According to claim 1,
The step of transmitting the payment information to the visit record server is,
Separately receiving a simple authentication method for access authentication from the affiliated store terminal, and
A method comprising transmitting the payment information to a visit record server in response to receiving the simple authentication method.
According to claim 1,
The step of receiving transaction information from the affiliated store terminal is:
A method comprising receiving information about whether payment is approved and information about whether consumer information is transmitted.
In the mediation server including memory and processor,
The processor is characterized by executing instructions for executing a payment processing method stored in the memory,
How to process the above payment:
Receiving transaction information from an affiliated store terminal;
Transmitting a payment approval request to a payment approval server based on the transaction information - the transaction information includes an identification number of a simple authentication means and a payment request amount;
Receiving an approval response from the payment approval server;
Payment information - The payment information includes the payment approval date and time, payment method, payment approval number granted by the payment approval server, and transaction unique number - is transmitted to the visit record server, and an approval response is sent to the affiliated store terminal. steps; and
Requesting transmission of consumer information to a consumer terminal - the consumer information includes CI (Connecting Information), a payment approval number granted from the payment approval server, and a transaction identification number received from the mediation server; Contains,
The consumer information includes information for access authentication of other consumers collected by the consumer terminal from the terminals of other consumers - the information for access authentication of other consumers includes name, phone number, and residence. Characterized by further comprising:
Mediation server. delete delete delete delete delete delete

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