KR200490769Y1 - Payment kit including qr code and ic chip performing nfc - Google Patents

Abstract

The payment kit including the QR code and the IC chip according to the present invention is connected to the first layer with the IC chip, the second layer with the QR code printed thereon, and the IC chip to perform contactless short range communication with the communication terminal. And a third layer on which an antenna is formed.

Description

PAYMENT KIT INCLUDING QR CODE AND IC CHIP PERFORMING NFC}

The present invention relates to a payment kit comprising a QR code and an IC chip.

When purchasing goods or services at a merchant, a user may use a credit card or a check card to pay through a payment agency or transfer money directly to an operator's account. Recently, the mobile payment is widely used as the usability of the mobile terminal is increased. Mobile payment means that the same payment service as card payment is provided by using a mobile terminal such as a smart phone that is easy to move. Account transfers are also being carried out using mobile banking. Accordingly, even when purchasing goods, if the user only has a mobile terminal, there is no need to carry cash or a card separately.

The present invention provides a payment kit including an IC chip capable of short-range communication with a QR code, so that even if the merchant does not have a separate mobile payment device, the mobile terminal of the user can communicate with the payment kit to complete the payment. do. Accordingly, the need for having an expensive payment terminal may be eliminated at the merchant.

In addition, the present invention is to provide a payment kit that can improve the payment reliability by storing the same information as the QR code on the IC chip to improve security in order to compensate for the shortcomings of the QR code that can be manufactured at low cost but easy to tamper .

The payment kit according to an embodiment of the present invention includes a QR code and an IC chip. The payment kit includes a first layer having an IC chip attached thereto, a second layer having a QR code printed thereon, and a third layer having an antenna connected to the IC chip to perform contactless near field communication with the communication terminal.

In an embodiment, the IC chip and the QR code may store at least one or more pieces of information such as an affiliated store ID, an affiliated store type code, a country code, an affiliated store name, a region, and a currency code together with unique identification information.

In one embodiment, the IC chip may include information stored in the QR code.

In an embodiment, the first layer on which the IC chip is formed may be formed on the second layer, and may be formed of a transparent film that visually exposes the QR code.

In one embodiment, the antenna may be formed in the form of a coil in a position adjacent to the IC chip, the overlapping area with the QR code is printed.

According to the present invention, an affiliated store may provide a payment kit that enables a user to perform a payment through a terminal possessed by a user at a low cost without having to separately provide a payment device.

In addition, in one embodiment of the present invention, the payment kit to selectively provide the QR code and the information of the IC chip to the terminal can perform the complementary payment even when the image pickup device or wireless signal reception of the terminal is difficult. You can do that.

Furthermore, the payment kit according to the present invention transmits the QR code and the IC chip information at the same time, so that the information integrity of the easy-modulation QR code can be verified through the information of the highly secure IC chip.

1 is a block diagram of a payment kit according to an embodiment of the present invention.
2 is an exploded perspective view of a payment kit according to an embodiment of the present invention.
3 is an exploded cross-sectional view of a payment kit according to an embodiment of the present invention.
4 is a view showing the appearance of a payment kit according to an embodiment of the present invention.
5 is a flowchart illustrating a payment method of a payment kit according to an embodiment of the present invention.
6 is a flowchart illustrating a payment method of a payment kit according to another embodiment of the present invention.
7 and 8 are diagrams illustrating a state in which a user executes an application and performs a payment in a terminal.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings to clarify the technical spirit of the present invention. In describing the present invention, when it is determined that the detailed description of the related known function or component may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Components having substantially the same functional configuration among the drawings have been given the same reference numerals and symbols as much as possible even though they are shown in different drawings.

1 is a block diagram illustrating a payment kit including a QR code and an IC chip according to an embodiment of the present invention.

Referring to FIG. 1, the payment kit 100 according to an embodiment of the present invention may include an IC chip 110, a QR code 120, and an antenna 130.

The payment kit 100 may be manufactured in the form of a stand or a sticker and attached to the affiliated store. The payment kit 100 may be provided in a manner of being made of paper or a thin plastic film and stored on a table of a merchant, or attached to or mounted on a sale item.

QR code 120 may include merchant information provided with a payment kit. Unlike barcodes, QR codes can contain a variety of information in a small area, so if they are recognized by the terminal, they can identify the affiliated store, along with the unique information of the QR code, along with the merchant ID, merchant type code, At least one of the country code, merchant name, region, currency code may be stored.

According to an embodiment, the QR code 120 may store only identifier information enough to derive the merchant information for the server providing the payment service, and as the user reads the QR code 120 through the terminal. The terminal may be implemented by accessing the server to obtain additional information of the affiliated store.

QR code 120 according to the present invention may further include information for error detection therein in order to solve the problem that a plurality of users can modulate the QR code in the payment kit.

The IC chip 110 may include information stored in the QR code 120 or identification information of the QR code 120. In one embodiment, the IC chip 110 and the QR code 120 may include the same information, the QR code information through the information stored in the IC chip 110 when the QR code 120 is forged, Integrity can be verified.

The antenna 130 is connected to an IC chip 110 having a communication function and a memory function to supply power to the IC chip 110 in response to a short range communication signal provided from a terminal device, and to read information from the IC chip 110. The read information can be provided back to the terminal. According to the near field communication standard, the radio frequency band for communicating with the IC chip 110 may be 13.56 MHz.

2 is an exploded perspective view of a payment kit according to an embodiment of the present invention.

Referring to FIG. 2, the IC chip 110 may be attached to the first layer 210 of the payment kit 100, the QR code 120 may be printed on the second layer 220, and the third layer ( The antenna 130 may be attached or printed on the 230. The arrangement of each layer 210, 220, 230 may be appropriately changed as necessary.

FIG. 2 illustrates a shape in which the payment kit 100 functionally described in FIG. 1 is physically implemented. Accordingly, the reference numerals for the functionally described components are the same, but the physical layers in which they are disposed are the same. The description is given with a separate reference numeral.

The IC chip 110 may be attached to the first layer 210 positioned at the top. When the first layer 210 is positioned at the top, the first layer 210 may be implemented as a transparent film because the QR code 120 should be visually exposed through the first layer 210. In addition, as the first layer 210 is located above the QR code 120, an additional effect of putting the modulation of the QR code 120 may be expected.

According to an embodiment, the first layer 210 to which the IC chip 110 is attached may be disposed under the QR code 120.

The IC chip 110 needs to be connected to the antenna 130 formed at a lower portion thereof, and a part of the first layer 210 may pass through the IC chip 110. In some embodiments, a through hole of the first layer 210 may be formed at a position where the connection terminal of the IC chip 110 to be connected to the antenna 130 is exposed in the first layer 210. It is sufficient that 110 is attached only to the extent that it is fixed with the first layer 210. Accordingly, the connection terminal of the IC chip 110 attached to the first layer 210 may pass through the second layer 220 and be connected to both ends of the leader line of the antenna 130 of the third layer 230. The connection between the IC chip 110 and the antenna 130 will be described in detail with reference to FIG. 3.

The QR code 120 may be imprinted or printed on the second layer 220. For engraving or printing, the second layer 220 may be made of an opaque film material. When the user reads the information from the QR code 120 using the terminal, the imaging means is used, and when the user reads the information from the IC chip 110, a short range communication means is used.

Therefore, when the information is read from the IC chip 110 and when receiving the information of the QR code 120, the components that are activated in the terminal is different, so that the user selectively selects the IC chip when the use of specific components of the terminal is difficult Since merchant information may be received from 110 or QR code 120, it is possible to flexibly utilize a payment function.

In addition, it may be difficult to determine what function the terminal should activate when the user brings the terminal closer to the payment kit. Of course, the user may directly select a function to be activated through an application installed in the terminal or activate both functions. However, the IC chip 110 and the QR code 20 may be spaced apart from each other so that the terminal may determine which component of the IC chip 110 and the QR code 120 to receive information.

Since the QR code 120 may be printed in a general ink, the user may easily modulate it and may be easily damaged when used for a long time. In the present invention, since the first layer 210 is positioned above the QR code 120, the QR code 120 may be protected and the tampering may be prevented.

The antenna 130 formed on the third layer 230 may be attached or printed at a position adjacent to the IC chip 110. The antenna 130 may be designed to receive a short range communication signal provided from the terminal, and may be used to transmit information read from the IC chip 110 back to the terminal according to an embodiment. Lead lines may be formed from both ends of the antenna 130 to be pulled up from the third layer 230 to be electrically connected to the IC chip 110. According to an embodiment, a through hole may be formed in the second layer 220 to connect an antenna, and the through hole formed at this time may be formed at a position that matches the through hole formed in the first layer 210. .

In some embodiments, the antenna 130 formed on the third layer 230 may be positioned to be close to the IC chip 110. Meanwhile, since the leader line of the antenna 130 should be connected to the IC chip 110 through the through hole, the QR code 120 may be disposed so as not to overlap with the printed area.

3 is an exploded cross-sectional view of a payment kit according to the present invention.

Referring to FIG. 3, in order to connect the connection terminal 111 of the IC chip 110 attached to the first layer 210 and the antenna 130 formed in the third layer 230, the first layer 210 is connected. At least two through holes 211 may be formed, and at least two through holes 221 may be formed in the second layer 220. The through holes formed in the first layer 210 and the second layer 220 may be formed at the same time or through other processes, but are preferably formed at positions that match each other.

The lead line 130 ′ of the antenna 130 is pulled up through the through holes 211 and 221 of the first layer 210 and the second layer 220 to be connected to the connection terminal 111 of the IC chip 110. Can be electrically connected. In order to prevent interference of the electrical signal through the leader line 130 ′, all of the first to third layers 210, 220, and 230 may include a material having an insulating property.

Furthermore, the payment kit according to the present invention may further include an additional dummy layer in order to eliminate electrical signal interference in addition to the first to third layers. The dummy layer may be selectively interposed between the first layer 210 and the third layer 230, and may include a through hole for the movement of the antenna leader line 130 ′.

The three layers 210, 220, and 230 thus formed are laminated to form a shape as shown in FIG. 5.

Figure 4 is a view showing the appearance of the payment kit according to an embodiment of the present invention.

Referring to FIG. 4, in the payment kit 100, the IC chip 110 is located at the upper right side, and the QR code 120 is located at the bottom, but is not limited thereto. For example, the IC chip 110 may be located in the QR code 120 in a line that does not interfere with the recognition of the QR code 120. In addition, the QR code 120 may include a case in which the QR code 120 is manufactured to a minimum size that can be recognized by the terminal. In addition, the antenna 130 may be located on a different layer from the IC chip 110 and may be formed to be invisible from the outside.

5 is a flowchart illustrating a payment method of a payment kit through QR code recognition or communication with an IC chip according to an embodiment of the present invention.

First, an application for using a payment kit of the present invention may be installed in a terminal for receiving a payment method through a payment kit according to an embodiment of the present invention.

The user may select an payment method by executing an application in his terminal for payment in the affiliated store (step S510) (step S520). The payment method may include NFC payment using a near field communication function or QR code payment using a camera. According to an embodiment, when a user does not select a payment method, payment may be performed according to a default payment method. Therefore, the payment kit according to the present invention has an advantage that a user can select various payment methods for convenience.

If the user selects NFC payment, the short-range communication function may be activated in the terminal according to the execution of the application. A message may be displayed to position the terminal to enable short-range communication with the payment kit through the terminal. In the terminal, a wireless signal suitable for short-range communication is generated and provided as a payment kit, and the payment kit may receive a wireless signal from the terminal, read the affiliate store information from the IC chip 110, and provide it to the terminal.

If the user selects the QR code payment, the application may activate the camera function of the terminal to scan the QR code using the camera function of the terminal (step S530). In this case, a guide message may be displayed to induce the user to scan the QR code through the application.

An application can obtain merchant information by receiving information from the IC chip or by scanning a QR code. As the merchant information is acquired, a screen for payment may be provided to the terminal, and a payment amount may be input from the user (step S540). In this case, payment information including card information and payment amount issued to the host card emulation (HCE) stored in the terminal may be generated, and the generated payment information is transmitted to a payment agency server.

In one embodiment, the user may select the payment means information through the application of the terminal. The payment means information may be card information or account information that the user intends to use for payment. For example, if the user has previously stored a plurality of payment means information, the user terminal outputs a plurality of previously stored payment means information on the screen, the user may select one of the plurality of payment means information.

The application generates encrypted transaction data including merchant information and payment information and requests payment to the card company.

Thereafter, when the card company server approves the payment based on the transaction data received from the application, the payment is completed (step S550).

In one embodiment, when a user wants to use a credit card for payment, the user requests payment by transmitting payment request information to a VAN system or an individual card company. When a user uses an account of a financial institution to make a payment, the user may withdraw the amount from the account and deposit it in the account of the merchant.

In this way, the user can select one of the QR code or the short-range communication using the payment kit according to the present invention to simply request the payment information to complete the payment. Accordingly, the affiliated store may allow a user to perform a payment without providing a separate affiliated store terminal.

6 is a flowchart illustrating a payment method using a payment kit including a QR code and an IC chip according to another embodiment of the present invention.

The user executes the application in the terminal for payment at the merchant (step S610).

When the application is executed, the camera of the terminal is executed to scan the QR code of the payment kit (step S620). At the same time or sequentially, a wireless signal for performing short-range wireless communication with respect to the payment kit through the application may be transmitted to the payment kit (step S630). Scanning the QR code and receiving data from the IC chip by near field communication may be performed simultaneously or sequentially.

The application extracts the information extracted from the QR code and the IC chip information extracted by the NFC function of the terminal to compare with each other (step S640). In the payment kit according to the present invention, since the IC chip includes all of the QR code information, the terminal may check forgery and corruption of the QR code by comparing the QR code information and the data received from the IC chip through the application.

If it is determined that the above modulation is not tampered with the QR code information through the data stored in the IC chip (step S640, yes), a screen for payment is provided through the terminal to receive a payment amount from the user (step S650).

If it is determined based on the data received from the IC chip, if it is determined that the QR code is modulated (step S640, NO), it may be requested to scan the QR code again. According to an embodiment, if normal QR code information is not received more than a preset number of times, the application of the terminal may determine that a problem occurs in the QR code of the payment kit and stop the payment.

When the QR code data is normally received, the application may generate payment information including card information issued to the HCE for the terminal together with the received payment amount.

In one embodiment, the payment method may further include selecting payment means information as described above.

The application generates encrypted transaction data including merchant information and payment information and requests payment to the card company. Thereafter, if the card company approves the payment based on the transaction data received from the application, the payment is completed (step S660).

According to an exemplary embodiment, whether the QR code information and the IC chip data match may be determined by the server that receives the payment information without being determined by the terminal. That is, the terminal may generate payment request information including the received QR code information and IC chip data information and transmit the generated payment request information to a payment agency server or a financial institution server. The server receiving the payment request information may compare the QR code information and the IC chip information to determine whether the payment is a normal payment request, or determine whether the payment is approved by determining whether the payment is a normal QR payment request by deriving the information already stored for the merchant. have.

7 and 8 are diagrams illustrating operations in which a user executes an application with respect to a payment kit to perform a payment.

As described with reference to FIGS. 5 and 6, FIG. 7 is a diagram illustrating an operation in which a user tags a QR code using a camera function of the terminal, and FIG. 8 illustrates a user contacting a terminal to a payment kit for NFC payment. It is a figure which shows an operation | movement.

So far, the present invention has been described in detail with reference to the preferred embodiments shown in the drawings. These embodiments are intended to be illustrative rather than restrictive, and should be considered in descriptive sense only and not for purposes of limitation. The true technical protection scope of the present invention should be defined by the technical spirit of the appended claims rather than the foregoing description. Although specific terms are used herein, they are used only for the purpose of illustrating the concept of the present invention and are not intended to limit the scope of the present invention as defined in the claims or claims. Those skilled in the art to which the present invention belongs will appreciate that various modifications and equivalent other embodiments are possible without departing from the essential technical spirit of the present invention claimed in the claims. Equivalents are to be understood to include not only currently known equivalents but also equivalents to be developed in the future, ie all components designed to perform the same function regardless of structure.

100: payment kit 110: IC chip
120: QR code 130: antenna
210: first layer 220: second layer
230: third layer

Claims (5)

A first layer to which the IC chip is attached;
A second layer positioned below the first layer and printed with a QR code; And
A third layer positioned below the second layer and having an antenna connected to the IC chip to perform contactless short range communication with a communication terminal;
The IC chip and the QR code,
Stores the merchant identification information with unique identification information,
The first layer,
A transparent film visually exposing the QR code printed on the second layer,
The second layer is
The payment kit comprising a QR code and an IC chip, characterized in that made of an opaque film capable of printing the QR code.
The method of claim 1,
The IC chip and the QR code,
Merchant ID, Merchant Business Code, Country Code, Merchant Name, Region, Currency Code The payment kit comprising a QR code and the IC chip, characterized in that further stores at least one information.
The method of claim 2,
The IC chip,
Payment kit comprising a QR code and an IC chip, characterized in that it comprises information stored in the QR code.
delete The method of claim 1,
The antenna is
At the position adjacent to the IC chip, the QR code and payment kit comprising an IC chip, characterized in that formed in the form of a coil does not overlap the printed area.

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