KR20120078867A - Method and apparatus for electronic settlement and system using thereof - Google Patents

Abstract

PURPOSE: An electronic payment performing method and an apparatus thereof and a system thereof are provided to conveniently perform electronic payment by using a bar code through a mobile terminal. CONSTITUTION: The memory(114) stores product information provided by a membership store(franchise). The display unit(116) displays the product information. If a user requests an order, the control unit(100) generates payment information of an ordered product as a bar code and outputs it. The bar code is a multi-dimensional bar code. The transceiver(120) transmits and receives the information with a POS(Point Of Sale) system. The control unit updates the stored product information based on product update information received from the POS system.

Description

METHOD AND APPARATUS FOR ELECTRONIC SETTLEMENT AND SYSTEM USING THEREOF}

The present invention relates to a method, apparatus and system for performing electronic payment, and more particularly, to a method, apparatus and system for performing electronic payment using a bar code.

With the expansion of the electronic payment infrastructure, credit payment services (hereinafter referred to as electronic payment services) based on card payments such as credit cards, check cards, and debit cards (hereinafter referred to as credit cards) have become commonplace. The electronic payment service, after the user purchases the goods or services at the merchant by card payment, pays the use price of the goods or services to a financial institution such as a card company on the payment date, and the merchant pays the sale price of the goods or services. Refers to a payment method using the electronic payment infrastructure received from the financial institution.

The electronic payment system that provides the electronic payment service includes a plurality of card terminals provided in a plurality of merchants, and a van that provides a payment agent service related to card payment among a plurality of merchants and financial institutions. : The VAN) settlement agent server and the card company that issued the credit card to the user are connected through a communication network.

In the case of using the general electronic payment system as described above, the conventional payment method is performed by the customer who has a credit card to pay at the checkout counter of the corresponding merchant, so that the time required for the payment is excessive and the customer is There is an inconvenience of waiting at the checkout counter, there is a problem that the space efficiency of the store is deteriorated because a large amount of checkout space must be secured for a considerable number of customers.

On the other hand, due to the spread of mobile terminals capable of installing a program such as a smart phone (smart phone) recently, access to various payment services using a smart phone has been made, and as an example of such a payment service, a mobile terminal and the electronic payment system are combined. Therefore, research on various electronic payment methods that can improve user convenience is in progress.

The present invention provides an electronic payment method and apparatus and a system for improving convenience by using a mobile terminal in an electronic payment system.

In addition, the present invention provides an electronic payment method and apparatus and a system for improving convenience by using the bar code information in the electronic payment system.

In the electronic payment system according to an embodiment of the present invention, an ordering terminal for electronic payment includes a memory in which at least one product information provided by an affiliated store is stored; A display unit displaying the product information; And a control unit for generating and outputting payment information of the ordered product as a bar code when there is an order request from a user.

In the electronic payment system according to an embodiment of the present invention, a method for performing an electronic payment by an ordering terminal comprises: displaying product information of a product requested for an order from a user; Generating payment information based on the displayed product information when a payment request for the ordered product is made; And generating and displaying a bar code including the payment information.

A mobile terminal performing electronic payment by communicating with a payment agency server in an electronic payment system according to an embodiment of the present invention, the mobile terminal comprising: an image obtaining unit obtaining an image of a bar code including payment information of a product for which payment is requested; A communication unit for communicating with the payment agent server; And analyzing the obtained bar code image to obtain payment information for the requested product, and generating a payment approval request message including the obtained payment information and credit card information of the user to the payment agency server. It includes a control unit for transmitting.

In the electronic payment system according to an embodiment of the present invention, a mobile terminal communicating with a payment agent server performs electronic payment, wherein the payment information is analyzed by analyzing an image of a bar code including payment information on a product for which payment is requested. Obtaining a; Generating a payment approval request message including the obtained payment information and credit card information of the user; And transmitting the payment approval request message to the payment agency server through a set communication network.

Electronic payment system for performing the order and electronic payment of goods according to an embodiment of the present invention, the billing agent server for providing a billing service for the electronic payment; An ordering terminal for generating payment information for an ordered product and generating and outputting a bar code including the payment information; And obtaining an image of the bar code, analyzing the image of the bar code to obtain payment information for the requested product, and receiving a payment approval request message including the obtained payment information and credit card information of the user. It generates and transmits to the mobile terminal to the payment agent server.

In the electronic payment method for ordering and electronic payment of goods according to an embodiment of the present invention, since an ordering terminal is requested for an order, it generates payment information for the goods and generates a bar code including the payment information. Outputting; And a mobile terminal obtains an image of the bar code, analyzes the image of the bar code, obtains payment information about the requested product, and includes a payment approval and credit card information of the user. Generating a request message and transmitting the generated request message to the payment agent server.

According to an embodiment of the present invention, there is an advantage that the electronic payment can be easily performed using a mobile terminal that the user carries.

1 is a flowchart illustrating an electronic payment performing method in an electronic payment performing system using a bar code according to an embodiment of the present invention;
2 is a block diagram of an ordering terminal capable of generating a bar code according to an embodiment of the present invention;
3 is a flowchart illustrating a process of generating a bar code for electronic payment in an ordering terminal according to an embodiment of the present invention;
4 is a block diagram of a mobile terminal capable of performing electronic payment using a bar code according to an embodiment of the present invention;
5 is a flowchart illustrating a process of performing an electronic payment in a mobile terminal according to an embodiment of the present invention.

In the following description of the present invention, detailed descriptions of well-known functions or configurations will be omitted if it is determined that the detailed description of the present invention may unnecessarily obscure the subject matter of the present invention. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

The present invention is to perform a credit transaction using a mobile terminal. Recently, a mobile terminal capable of installing a program such as a smart phone has been widely used. Hereinafter, in the present specification, the term "mobile terminal" is understood to mean a portable terminal capable of installing a program such as a digital cellular phone such as a smart phone and a personal digital assistant (PDA).

Recently released mobile terminals include a function for recognizing a matrix code such as a bar code or a Quick Response (QR) code. In the embodiment of the present invention, it is assumed that the mobile terminal is a mobile terminal capable of recognizing such a bar code or a matrix code.

For reference, the bar code is a code made by combining a black bar with a different thickness designed to be read by a computer. Such a bar code is called a linear (one-dimensional) bar code. However, since the linear bar code has a limited amount of information, a matrix (two-dimensional) code has been developed and consists of hexagonal or rectangular array of points. Matrix codes are not strictly bar codes, but are usually referred to as two-dimensional bar codes. In the following description, all codes represented in a form in which a computer or a mobile terminal can read the recorded information, such as the one-dimensional bar code and the two-dimensional bar code, will be collectively referred to as “bar codes”.

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings.

1 is a flowchart illustrating an electronic payment performing method in an electronic payment performing system using a bar code according to an embodiment of the present invention.

Referring to FIG. 1, an electronic payment performing system according to an embodiment of the present invention includes an ordering terminal 100, a mobile terminal 200, a payment agency server 300, and a card company server 400.

In step 101, the ordering terminal 100 receives a product for a product / service (hereinafter, referred to as a product) sold / serviced at a merchant from a customer (hereinafter referred to as a user) in the merchant, Generate payment information corresponding to the entered product. The payment information includes order history information and merchant information.

The order history information basically includes price information of a product ordered by a user for purchase, and may include various pieces of information related to the corresponding product, such as the name and number of the corresponding product, as additional information.

Merchant information includes the merchant and business registration number of the merchant.

In step 103, the ordering terminal 100 generates a bar code including the payment information and outputs the generated bar code through the screen. As described above, the bar code applied to the exemplary embodiment of the present invention may be a one-dimensional bar code (linear bar code), a two-dimensional bar code, or a two-dimensional bar code, and the two-dimensional bar code may be a QR code, Data It can be any of MAtrix, PDF 417, and Maxi code. The bar code output in step 103 is used by the mobile terminal 200 to take an image and analyze the image to perform an electronic payment.

In step 105, the mobile terminal 200 obtains an image of a bar code displayed on the ordering terminal 100 for electronic payment, and analyzes the obtained bar code image to extract payment information.

In step 107, the mobile terminal 200 makes a payment approval request to the payment agency server 300.

For the payment approval request, the mobile terminal 200 transmits a payment approval request message including the extracted payment information and credit card information to be used for payment to the payment agency server 300. At this time, the mobile terminal 200 may further include identification information of the mobile terminal 200 in the payment approval request message.

The credit card information includes at least one of credit card company information, card number, expiration date information, user's social security number, Card Validation Code (CVC) and password.

The credit card information may be stored in a financial chip interworking with the mobile terminal 200 in a built-in or external form of the mobile terminal 200 or may be stored in a memory included in the mobile terminal 200. Alternatively, although not shown, it may be obtained from a general credit card using a card reader mounted on the terminal or a card reader detachable from the terminal.

The mobile terminal 200 identification information is moved together with a caller identification (CID) number, an electronic serial number (ESN), or a mobile identification number (MIN) of the mobile terminal 200. Various information for identifying the terminal can be used.

The mobile terminal 200 identification information is used by the payment agency server 300 or the card company server 400 to transmit the payment approval result to the mobile terminal 200 in a later step. If the payment agency server 300 or the card company server 400 stores the identification information of the mobile terminal 200 matching any one of the card information, the transmission of the identification information of the mobile terminal 200 may be omitted. . This may be considered depending on the intention of the system designer.

In step 109, the payment agent server 300 makes a payment approval request to the card company server 400. The payment agency server 300 transmits a payment approval request message including payment information received from the mobile terminal 200 and credit card information to be used for payment to the card company server 400 for the payment approval request. At this time, the identification information received from the mobile terminal 200 may be further transferred to the card company server 400.

In step 111, the card company server 400 determines whether normal payment is possible based on the payment information and the credit card information received through the payment approval request message, and then provides a payment approval result indicating whether the payment is approved. Send to 300.

In step 113, the payment agent server 300, the card company using the network address, such as the phone number or email address of the mobile terminal 200 confirmed from the identification information of the mobile terminal 200 received in step 107 The payment approval result received from the server 400 is transmitted to the mobile terminal 200. When the identification information is the network address of the mobile terminal 200, the payment agency server 300 can directly use the identification information, when the identification information is not the network address of the mobile terminal 200, The payment agent server 300 previously stores the identification information corresponding to the network address of the mobile terminal 200. In this case, the identification information mapped to the network address of the mobile terminal 200 may be provided in advance from the card company server 400 or the mobile terminal 200.

Meanwhile, in the drawing, the payment approval result is transmitted from the card company server 400 to the payment agency server 300 in steps 111 and 113, and the payment approval result is transmitted to the mobile terminal 200 again. Although illustrated, as described above, the payment approval result may be transferred directly from the card company server 400 to the mobile terminal 200 according to the designer's intention.

For example, when the identification information received from the mobile terminal 200 is further transmitted to the card company server 400 in step 107, the card company server 400 may check the mobile terminal 200 through the identification information. Therefore, the payment approval result may be transferred directly from the card company server 400 to the mobile terminal 200.

Alternatively, when the card company server 400 stores the identification information of the mobile terminal 200 matching any one of the card information transmitted in the step 107, the card company server 400 ) May be directly transmitted to the mobile terminal 200. In this case, the card company server 400 stores the network address of the mobile terminal 200 in advance to correspond to the identification information in order to transmit the payment approval result.

Hereinafter, the structure of the ordering terminal 100 and the mobile terminal 200 performing the order payment method as described above and the processes performed in the terminals 100 and 200 will be described in more detail with reference to the accompanying drawings. .

2 is a block diagram of an ordering terminal capable of generating a bar code according to an embodiment of the present invention. Hereinafter, an ordering terminal according to an embodiment of the present invention will be described in detail with reference to FIG. 2.

The ordering terminal 100 according to an embodiment of the present invention receives a product from a customer in a merchant, generates payment information corresponding to the input product, and generates a bar code including the generated payment information. Output Hereinafter, the configuration of the ordering terminal 100 and the function of each block will be described.

2, the ordering terminal 100 according to an embodiment of the present invention, the control unit 110, barcode generation unit 112, memory unit 114, display unit 116, input unit 118 and It includes a transceiver 120.

The controller 110 controls the display unit 116 to generate a product selection result of the user through the input unit 118 and payment information according to the product selection and output the generated information to the screen. The payment information is output together with a bar code for the electronic payment of the user.

The payment information includes order history information and merchant information. The payment information is generated based on product information stored in the memory unit 114.

The bar code generator 112 generates a bar code corresponding to the payment information. That is, when payment information for a product selected by a user is generated, a bar code including the payment information is generated based on the generated payment information. For convenience of description, the control unit 110 and the bar code generation unit 112 are separately shown in the drawing, but the bar code generation unit 112 may not exist separately. In this case, the control unit 110 displays the payment information. Generate a bar code to include.

The memory unit 114 stores merchandise information of merchandise sold by the affiliated store. The commodity information includes the type of commodity sold, the price, and the like. The product information stored in the memory unit 114 may be updated based on product update information received from a point of sale (POS).

The display unit 116 displays a product, payment information, and a bar code including the payment information. As another example, when the ordering terminal 100 may use a printer means, the bar code may be output through the printer means without outputting the bar code through the display unit 116.

The input unit 118 is used to receive an order request from a user. That is, the user views the goods displayed on the display unit 116 and selects a product to be ordered through the input unit 118. The input unit 116 and the display unit 118 may be an integrated touch screen.

The transceiver 120 is used to update product information from the POS using a wireless data network such as WiFi.

In the above, the structure of the ordering terminal according to an embodiment of the present invention has been described. Hereinafter, a process of generating a bar code for performing an electronic payment in an ordering terminal according to an embodiment of the present invention having the configuration as described above will be described with reference to the accompanying drawings.

3 is a flowchart illustrating a process of generating a bar code for electronic payment in an ordering terminal according to an embodiment of the present invention. Hereinafter, a process of generating a bar code for electronic payment in an ordering terminal according to an embodiment of the present invention will be described with reference to FIG. 3.

In step 301, the ordering terminal 100 proceeds to step 303 when there is an order request from the user, and displays a product including a list of products available for purchase to the user. The order request may be made through an input key or a touch screen included in the ordering terminal 100.

In step 305, the ordering terminal 100 proceeds to step 307 when a product is selected from the user.

In step 307, the ordering terminal 100 determines whether the product selection is completed by the user, proceeds to step 309 if the product selection is completed, otherwise proceeds to step 303 to continue displaying the product. do. Whether the product selection is completed may be determined by the user's response to the message asking whether the product selection is completed. The response of the user may be made through an input key or a touch screen included in the ordering terminal 100.

In step 309 where it is determined in step 307 that the product selection is completed by the user, the ordering terminal 100 displays the order contents selected by the user, and then proceeds to step 311.

In step 311, the ordering terminal 100 requests the user's confirmation that the input order contents are correct. The confirmation may be determined by displaying a list of order contents selected by the user on a screen, and determining the response of the user to a message asking whether the contents displayed on the list are correct. The response of the user may be made through an input key or a touch screen included in the ordering terminal 100. If the user confirms that the contents of the order are correct, the process proceeds to step 313 and, if not, to step 303.

In step 311 where the order contents are determined to be correct in step 311, the ordering terminal 100 generates payment information corresponding to the order contents, and generates a bar code including the payment information. Proceed to step 315.

In step 315, the ordering terminal 100 outputs the generated bar code through the screen. At this time, the payment information may be output together in the form of characters that the user can recognize.

In the above, the ordering terminal for generating a bar code including the payment information and the payment information according to the user's order in accordance with an embodiment of the present invention has been described. Hereinafter, a mobile terminal that performs payment using a bar code generated by the ordering terminal will be described with reference to the accompanying drawings.

4 is a block diagram of a mobile terminal capable of performing electronic payment using a bar code according to an embodiment of the present invention. Hereinafter, a mobile terminal capable of performing electronic payment using a bar code according to an embodiment of the present invention will be described with reference to FIG. 4.

The mobile terminal 200 according to an embodiment of the present invention obtains an image of a bar code including the payment information generated in the ordering terminal 100, analyzes the extracted image and extracts the payment information, and extracts the extracted payment information and the user. After transmitting the credit card information to the payment agent server 300 receives a payment approval result. Hereinafter, the configuration of the mobile terminal 200 and the function of each block will be described.

Referring to FIG. 4, the mobile terminal 200 according to an embodiment of the present invention may include a control unit 210, an information acquisition unit 212, a memory unit 214, a display unit 216, an input unit 218, and transmission / reception. The unit 220 includes an image acquisition unit 222 and a card reader unit 224.

The controller 210 performs a user's control command through the input unit 218 and controls the memory unit 214, the display unit 216, the transceiver 220, and the image acquirer 222.

In addition, the controller 210 analyzes an image of a bar code received from the image acquirer 222 and extracts payment information.

The information acquisition unit 212 reads credit card information through the card reader unit 224 mounted on or detachable from the mobile terminal 200, or is a financial chip embedded or interlocked with the mobile terminal 200. Obtain credit card information from (not shown). Or obtain credit card information stored in the memory unit 214.

In addition, the information acquisition unit 212 obtains identification information of the mobile terminal 200. The identification information may be stored in advance in the memory unit 214 mounted in the mobile terminal 200 or input through a user at the time of electronic payment.

For convenience of description, the controller 210 and the information acquirer 212 are shown separately, but according to design intention, the information acquirer 212 is omitted and the function of the conquest acquirer 212 is performed by the controller 210. You can also do that.

The memory unit 214 may store the set credit card information and may further store identification information of the mobile terminal 200.

The display unit 216 outputs a screen corresponding to a user's control command through the input unit 218 and an information screen received through the transceiver unit 220.

The input unit 218 is used to receive a request for execution of various commands from a user. The display unit 216 and the input unit 218 may be an integrated touch screen.

The transceiver 220 communicates with the payment agency server 300 and the card company server 400 through a predetermined communication network.

The image acquisition unit 222 includes an image photographing device such as a camera, and acquires an image of a bar code displayed on the ordering terminal 100 at the user's request.

The card reader unit 224 is an interface for reading credit card information from a credit card. The card reader unit 224 may be mounted on the mobile terminal 200 or may be in a form detachable from the mobile terminal 200. The card reader 224 may be selectively provided.

In the above, the structure of the mobile terminal according to an embodiment of the present invention has been described. Hereinafter, a process of performing an electronic payment using a bar code generated by an ordering terminal in a mobile terminal according to an embodiment of the present invention having the above configuration will be described with reference to related drawings.

5 is a flowchart illustrating a process of performing an electronic payment in a mobile terminal according to an embodiment of the present invention. Hereinafter, a process of performing an electronic payment in a mobile terminal according to an embodiment of the present invention will be described with reference to FIG. 5.

In step 501, the mobile terminal 200 determines whether there is a bar code image acquisition request from the user, and if so, proceeds to step 503 to obtain a bar code image. The image acquisition request may be made through an input key or a touch screen included in the mobile terminal 200.

In step 505, the mobile terminal 200 analyzes the obtained bar code image to obtain payment information, and then proceeds to step 507. The payment information includes order history information and payment amount information.

In step 507, the mobile terminal 200 obtains credit card information and then proceeds to step 509. The credit card information may include credit card information obtained from a financial chip interlocked with the mobile terminal 200 internally or externally, credit card information stored in a memory of the mobile terminal 200 and mounted or detached from the mobile terminal 200. At least one of the credit card information obtained through a possible card reader.

In step 509, the mobile terminal 200 transmits a payment approval request message including payment information and credit card information to the payment agency server 300, and then proceeds to step 511 to the payment agency server ( 300, the payment approval result is received. In step 509, the mobile terminal 200 may further transmit identification information of the mobile terminal 200 to the payment agent server 300. The mobile terminal identification number includes at least one of a caller identification (CID) number, an electronic serial number (ESN), and a mobile identification number (MIN) of the mobile terminal 200. The identification information is used by the payment agency server 300 or the card company server 400 to transmit the payment approval result to the mobile terminal 200. Since the related description has been described in detail with reference to FIG. 1, the detailed description thereof will be omitted.

On the other hand, the embodiment of the present invention has been shown and described, but the present invention is not limited to the specific embodiments described above, in the technical field to which the invention belongs without departing from the spirit of the invention claimed in the claims Various modifications can be made by those skilled in the art, and these modifications should not be individually understood from the technical spirit or the prospect of the present invention.

100: terminal for order
200: mobile terminal
300: billing server
400: card company server

Claims (16)

In the terminal for ordering for electronic payment in the electronic payment system,
A memory in which at least one product information provided by the affiliate store is stored;
A display unit displaying the product information; And
Control unit for generating and outputting the payment information of the ordered product as a bar code when there is an order request from the user
Ordering terminal comprising a.
The method of claim 1, wherein the bar code,
Multi-dimensional bar code
Order terminal.
The method of claim 1,
Further comprising a transceiver for transmitting and receiving information with a point of sales (POS),
The controller is configured to update the stored product information based on the product update information received from the POS.
Order terminal.
In the electronic payment system, the ordering terminal performs the electronic payment,
Displaying product information of a product requested for order from a user;
Generating payment information based on the displayed product information when a payment request for the ordered product is made; And
Generating and displaying a bar code including the payment information
Electronic payments performing method comprising a.
The method of claim 4, wherein
Performing the update of the stored product information based on product update information received from a point of sales (POS) system;
Electronic payment method comprising more.
In the mobile terminal for performing the electronic payment by communicating with the payment agent server in the electronic payment system,
An image acquiring unit which acquires an image of a bar code including payment information of a product for which payment is requested;
A communication unit for communicating with the payment agent server; And
Analyze the obtained image of the bar code to obtain payment information for the requested product, generate a payment approval request message including the obtained payment information and credit card information of the user and transmits it to the payment agency server. Control unit
A mobile terminal comprising a.
The method of claim 6, wherein the credit card information,
Among credit card information obtained from a financial chip interlocked with the mobile terminal internally or externally, credit card information stored in a memory of the mobile terminal, and credit card information acquired through a card reader mounted or detachable in the mobile terminal. Which one
Mobile terminal.
The method of claim 6, wherein the control unit,
Further transmitting the identification information of the mobile terminal to the payment agent server
Mobile terminal.
The method of claim 8, wherein the identification information,
At least one of a caller identification (CID) number, an electronic serial number (ESN), and a mobile identification number (MIN) of the mobile terminal;
Mobile terminal.
In the electronic payment system in the mobile terminal communicating with the payment agent server performs the electronic payment,
Obtaining the payment information by analyzing an image of a bar code including payment information of a product for which payment is requested;
Generating a payment approval request message including the obtained payment information and credit card information of the user; And
Transmitting the payment approval request message to the payment agency server through a set communication network;
Electronic payments performing method comprising a.
The method of claim 10, wherein the credit card information,
Among credit card information obtained from a financial chip interlocked with the mobile terminal internally or externally, credit card information stored in a memory of the mobile terminal, and credit card information acquired through a card reader mounted or detachable in the mobile terminal. Which one
How to perform an electronic payment.
11. The method of claim 10,
The method may further include transmitting identification information of the mobile terminal to the payment agent server.
How to perform an electronic payment.
In the electronic payment system for ordering goods and performing electronic payment,
A payment agent server providing a payment agent service for the electronic payment;
An ordering terminal for generating payment information for an ordered product and generating and outputting a bar code including the payment information; And
Acquire an image of the bar code, analyze the image of the bar code to obtain payment information for the requested product, and generate a payment approval request message including the obtained payment information and credit card information of the user. Mobile terminal for transmitting to the payment agent server
Electronic payment performing system comprising a.
The method of claim 13, wherein the mobile terminal,
Further transmitting the identification information of the mobile terminal to the payment agent server
Electronic payment performing system.
In the electronic payment method for ordering goods and performing electronic payment,
Generating, by the ordering terminal, payment information for the item requested by the order, and generating and outputting a bar code including the payment information; And
The mobile terminal obtains an image of the bar code, analyzes the image of the bar code to obtain payment information for the requested product, and includes a payment request and a credit card information of the user. Generating a message and sending it to the payment agency server
Electronic payments performing method comprising a.
The method of claim 15,
Transmitting identification information of the mobile terminal to the payment agent server;
Electronic payment method comprising more.

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