KR20120114799A - Payment system using qr code - Google Patents

Abstract

PURPOSE: A payment system using a quick response code is provided to construct a system issuing quick response money by using the quick response code, thereby easily applying the constructed system in an online/offline service through charged quick response money paid in real. CONSTITUTION: A quick response money issuing system(200) performs payment operation according to a quick response money request and management according to quick response money use. The quick response money issuing system performs calculation management of the quick response money use, cash management about quick response money, and service management of the quick response money. A user terminal(221) performs payment in an online/offline shop through purchased quick response money and transmission about the quick response money. A quick response reader(231) scans the quick response money provided from the user terminal. [Reference numerals] (AA) Web; (BB) Wire/wireless communication network; (CC) Offline store; (DD) On/offline store; (EE) Transmission

Description

Payment system using QR code {PAYMENT SYSTEM USING QR CODE}

The present invention relates to a business service using a Quick Response (QR) code, and more particularly, after receiving a QR code in which goods or service purchase information and personal information are stored in real time to a personalized terminal, the QR in an online or offline store. The present invention relates to a payment system using a QR code that performs transaction settlement using a code or transmits a QR code to another person's personalization terminal.

It is used to indicate the kind of goods that comply with the World Product Code (UPC), or the point of sales system (POS) in supermarkets and the like. There are several methods of encoding such as World Product Code, CODABAR, MSI, Code 39, Korea Common Product Code (KAN), and Japan Common Product Code (JAN). When using such a barcode, numeric information can be stored in one direction. Since the one-dimensional information storage method, the amount of information stored is extremely limited, and the same information is uniformly distributed without distinguishing users without personalizing most of the information. Will be provided.

In order to overcome the shortcomings of the information providing method using the bar code, the conventionally proposed information providing method using the QR code. Here, the QR code is a matrix two-dimensional code representing information in a black and white plaid pattern. QR codes are commonly used in Japan, and the name comes from DENSO WAVE's registered trademark Quick Response. In particular, the two-dimensional bar code that overcomes the limitations of the conventional bar code capacity and expands its format and contents can store data of characters in addition to numbers by having vertical and horizontal information. We read by digital camera and exclusive scanner and utilize.

In other words, a general barcode can store numeric information in one direction, while a QR code can have more information by having a two-dimensional form vertically and horizontally, and can store character data such as alphabets and Chinese characters in addition to numbers. If the color tone can be determined, the color may be included. These QR codes can contain up to 1817 Asian characters, including up to 7089 numbers, up to 4296 characters (ASCII), up to 2953 bytes in binary 8 bits, and Chinese characters. In particular, the recognition rate is good and the processing speed is considerably fast.

Republic of Korea Patent Publication No. 10-2010-0014889 The invention 'electronic money issuing system' is disclosed, and relates to an electronic money issuing system using a portable terminal such as a mobile phone. In other words, when a money transfer source (store, etc.) gives an electronic money to a specific customer, it can be done without knowing the sender's mobile phone mail address. Moreover, even if the money transfer device does not have a mobile phone, the money transfer person (family, etc.) It relates to an electronic money issuing system capable of giving. This will be described in detail with reference to the accompanying drawings. 1 is a block diagram showing a conventional electronic money issuing system. Reference numeral 1 denotes a mobile phone possessed by the customer A, which is a mobile phone with a camera function as described later. The camera stores a program for capturing a QR code described later with the camera and decoding it (hereinafter, referred to as a mobile phone). Simply called a cell phone). Reference numeral 2 is a POS terminal installed in a store (not shown). In the figure, the customer B shops at the store, performs a transaction with the POS terminal 2, receives a discount 25 (FIG. 4A) with a QR code described later from the store, and receives another It presents to the customer A, and shows that the customer A uses the mobile telephone 1 to charge the electronic money to the mobile telephone 1 (it is issued by the electronic money). The POS terminal 2 will be described later in detail, but has a function of donating electronic money to the customer B in addition to the general POS terminal capability. Specifically, it has a function of issuing a QR code that can charge the electronic money to the cellular phone 1. The reason why the store presents the electronic money to the customer B may be any reason, or may be the result of the lottery, or the electronic money may be presented as an exchange for the shopping point card becoming a certain point. Reference numeral 3 is a QR code printed on the spreadsheet 25 issued by the POS terminal 2. A QR code is a kind of two-dimensional code in which the QR issuance identification number described later is encoded. In the QR code printed on the worksheet 25, at least this QR issuance identification number may be encoded, and the electronic money issuance request amount of money may not be encoded. In addition, the electronic money issuance request | requirement amount does not need to be specified clearly in the spreadsheet 25, either. Reference numeral 4 denotes an electronic money issuance management company system, which is controlled by the server for issue management 6. The server 6 for issuance management performs the numbering by the number request of the QR issuance identification number from the POS terminal 2, stores it in the QR issuance processing information database 5, and stores the QR code ( 3) is generated and returned to the POS terminal 2. In addition, the electronic money issuing management company system 4 receives the electronic money issuance request from the mobile phone 1 of the customer A, as described later, and requests the electronic money company system to issue the electronic money. Reference numeral 7 denotes an electronic money company system that manages issuance and receipt of electronic money, which is controlled by an electronic money receipt server 9 and has an electronic money issuance receipt information database 8 that stores the receipt status of the electronic money. have. In the end, when the store presents the electronic money to a specific customer B, and the received customer B tries to give another customer A again, the mobile phone mail address of the customer A of the remittee or the wireless IC chip connected to the mobile phone. This can be done without knowing the identification number. In addition, even when individual B intends to donate an electronic money to another individual A, if there is a general-purpose personal computer and a printer, it can be performed without knowing the mail address of the mobile telephone of the remittance destination and the identification number of the wireless IC chip. Therefore, according to the present invention, it does not take much trouble to confirm the bank account number of the payment destination, such as a payment operation using an ATM (cash dispenser), but only handing a worksheet (medium) printed with a QR code. Therefore, when the recipient photographs with a mobile phone with a camera, it can be easily received as an electronic money. Even if the customer B of the money transfer source does not have a mobile phone, the electronic money can be given to the mobile phone of the money transfer destination. However, as described above, the conventional electronic money issuing system proposes that a financial transaction using a QR code is possible. However, since the QR code is provided using a seat, the QR code transmission system cannot be realized online. . Therefore, in order to realize the electronic commerce using the QR code, technical solutions for real-time issuance, online donation, etc. for the QR code are required.

The present invention was created to solve such a problem, an object of the present invention by establishing a system for issuing QR money using a QR code, the purchase of gifts, coupons, shopping malls, etc. The present invention provides a payment system using QR codes that can be easily applied online and offline.

Another object of the present invention, through the expansion of various service models, such as issuance of QR money, payment agency, gift vouchers, QR POS system, etc., it is possible to expand the role and service as a medium for the development of online or offline and wireless shopping malls. The present invention provides a payment system using a QR code.

A payment system using a QR code according to an aspect of the present invention for achieving the above object, in a financial transaction based payment system using a QR (Quick Response) code, according to a QR money request based on a connection with a wired or wireless communication network It manages according to payment operation and QR money use, and manages the settlement of QR money based on buyer information and merchant information, manages the history and points of QR money, and manages and generates QR money. A QR money issuing system in which service management for managing the service is performed; A user terminal connected to the wired / wireless communication network to purchase the QR money, and to perform payment at the online or offline store through the purchased QR money and to transmit the QR money; QR reader that is installed in an offline store and based on online connection with the QR money issuing system, scans the QR money presented from the user terminal when purchasing goods or services, and transmits the scanned QR money information to the QR money issuing system ; And receiving an API from the QR money issuing system, providing QR money information stored in the user terminal to the QR money issuing system when making an online purchase for the item or service, and approving payment according to an authentication procedure of the QR money issuing system. It consists of an online shopping mall server.

The payment system using QR code presented in the present invention is operated by applying a personalized fingerprint identification code and amount field and a personalized process for applying an individual ID, issuer and affiliate designation code for QR code issuance service. By using the attached QR code, it is possible to support the value of gift certificates, points, and cash assets, thereby presenting a new financial paradigm.

In addition, the present invention based on the information of the fingerprint identification and the issuer-based identification number identification table, the user authentication can be fully trusted, thereby securing the stability of the financial service.

In addition, since the present invention enables the financial transaction based on the QR code, it is possible to solve the unnecessary procedures such as the current financial transaction, thereby improving convenience of the financial transaction. And, through the service according to the present invention there is an effect that the history management, retail pattern analysis and usage history management for the use revenue can be made stable and easy.

1 is a system configuration diagram for explaining a conventional electronic money issuing system.
Figure 2 is a block diagram showing a QR money operating system according to the present invention.
3 is a configuration diagram illustrating the main functions of the QR money issuing system 200 according to the present invention.
4 is a service configuration diagram according to the present invention.
5 is a view showing an embodiment of the QR money applied in the present invention and the Apple of the terminal operating the embodiment.

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

First, the present invention is used as a payment means having a financial position such as purchasing goods or services using a QR code, cash, gift certificates, and the like. Therefore, the QR code in the present invention can be transmitted to a third party and may include the concept of remittance therefrom. For example, it is possible to purchase a predetermined amount of QR money through the QR MONEY issuing system presented in the present invention, which can purchase desired items or services in an online or offline store. If necessary, the QR money is transmitted to a third party's terminal, and the user who receives the QR money purchases the above-described goods or services.

Therefore, the QR money includes the personal information of the user first downloaded through the terminal, and may be assumed to be a two-dimensional graphic code composed of the QR money amount, discount information, recognition code, and other information. The other information is information required for the operation of the manager, and may be composed of a money issuance time, a unique number of a QMoney issuance system, a purchaser's personal ID information, an issuer, an affiliate designation code, and the like.

On the other hand, since the QR money may be different from the user requesting to issue the money and the user who directly purchases the product, the QR money used for the first time has a payment function, and the QR money used later is automatically discarded. In other words, even if a user purchases a large number of QR money, the first QR money used for the financial payment function is granted, so that the same QR money is automatically discarded and cannot be used.

Figure 2 is a block diagram showing a QR money operating system according to the present invention. As shown, based on the connection with the wired and wireless communication network, the payment operation according to the QR money request and management according to the use of the QR money, the settlement management of the use of QR money based on the buyer information and merchant information, and for the QR money Cash management system for performing the usage history and point management, and QR money issuing system 200 for service management for managing the generation and disposal of QR money, and connected to the wired and wireless communication network to purchase the QR money, Based on a user terminal 221 performing payment in an online or offline store through a purchased QR money and transmitting the QR money, and installed in an offline store and online with the QR money issuing system 200, When purchasing goods or services, scan the QR money presented from the user terminal 211 and issue the QR money with the scanned QR money information. QR reader 231 for transmitting to the system 200, the API is provided from the QR money issuing system 200, the QR money information stored in the user terminal 221 when the online purchase for the goods or services said It is provided to the QR money issuing system 200, and consists of an online shopping mall server 241 that is approved for payment according to the authentication procedure of the QR money issuing system 200.

On the other hand, the QR money presented in the present invention can provide the QR money to the owning terminal, such as others, that is, friends, lovers, parents at the request of the buyer. This means that when a purchaser purchases a QR money through the QR money issuing system 200, the QR money requested to purchase may be transmitted to any terminal by designating the number of the terminal to download the QR money. If necessary, the QR money may be downloaded to the user terminal 221 and then transmitted back to another terminal, for example, a terminal owned by a friend, a lover, a parent, or the like. In other words, the QR money can be used for gifts.

To this end, the QR money issuing system 200 receives the request for the transfer of the QR money from the user terminal 221, and receives the terminal information to receive the QR money, the QR money issuing system 200 is Discard the original QR money, create a new QR money and re-send to the terminal to receive. Since the QR money includes personal information at the time of initial generation, when the QR money is requested to be transmitted to another person, the QR money is regenerated by adding another person's personal information, for example, terminal information. Then, the first generated QR money is discarded by deleting from the management list of the QR money issuing system 200, and manages the discard information by managing the deletion list.

That is, as described above, the QR money is directly issued by the user and downloaded to the user terminal 221, and then used, or the QR money downloaded to the user terminal 221 is transferred to another user's terminal, or the user makes a QR money. When requesting issuance, it is possible to purchase and transfer QR money to be downloaded to someone else's terminal.

≪ Example 1 >

The user terminal 221 accesses a web site capable of issuing QR money through the wireless Internet. The user terminal 221 is a smart terminal capable of wireless Internet access, and accesses the QR money issuing system 200 through a web connection. The user terminal 221 is equipped with Apple for wireless financial transactions, the online payment for the QR money can be made.

For example, payment is possible for the user terminal 221 to purchase a predetermined amount of QR money, and may be provided with points earned as QR money as needed. If the QR Money is converted into earned points, the QR Money will be provided only by signing up. As a result, in the present invention, the purchase of QR money can be a concept of currency exchange, and can be applied as a financial means for converting points to usable money. When the points earned are replaced with QR money, it is natural to replace them with QR money based on the financial value corresponding to the type of points earned.

When the user terminal 221 wants to purchase a QR money corresponding to a predetermined amount, the QR money issuing system 200 requests user authentication and requests a deposit of an amount corresponding to the QR money to be purchased. The QR money issuing system 200 requests a deposit by applying a predetermined discount rate to the required QR money. When the user requests a QR money of 5000 won and the discount rate is 10%, the QR money issuing system 200 requests the user to deposit 4500 won.

In addition, the QR money issuing system 200 requests the user's personal information for the user authentication, name, ID, social security number (up to some number), or the user's fingerprint information as needed. The fingerprint information of the user may be limited to a terminal equipped with a fingerprint recognition module in the user terminal 221, and such fingerprint information does not allow input of other personal information.

The QR money issuing system 200 is provided with user information, confirms a deposit for a predetermined amount, registers user information, purchase information, and purchase time information in an internal database, and registers user information, purchase information, and time information. Generate QR data on the basis. The QR data is assumed to be a QR money and transmitted to the user terminal 221. The user terminal 221 may purchase two or more QR money, store and manage the QR money, and the stored QR money may purchase goods or services in an online or offline store regardless of time and place.

When the user wants to purchase certain goods or services at an offline store, the user presents a QR money downloaded from the store. This allows at least one QR money stored in the user terminal 221 and corresponding to the corresponding amount for the purchase of the goods or services to be displayed from the user terminal 221. The user may manage the memory so that the data in the memory where the QR money is stored is listed up by amount or download time, or Apple may be equipped to manage the QR money. Therefore, the user can easily select any one or more QR money according to the purchased goods or the store.

As such, when a predetermined QR money is displayed as graphic information from the user terminal 221 and an item or a service is requested by the user, the QR money is scanned from the QR reader 231 provided in the corresponding store. do. The user presents only the user terminal 221 displaying the QR money to the store clerk so that the intention to purchase the goods or the service is sufficiently delivered.

The QR reader 231 works with a separate communication terminal so that information obtained by scanning a screen of the user terminal 221 is transmitted to the QR money issuing system 200. The separate communication terminal has a merchant code granted from the QR money issuing system 200, and requests authenticity of the QR money according to a preset communication protocol. The QR money issuing system 200 receives the QR money transmitted from the store after performing the authentication procedure for the store, and determines the authenticity of the QR money.

The QR money issuing system 200 performs data analysis on the currently received QR money. This decrypts the graphic corresponding to the QR money, and extracts the user's personal information, purchase information, and the like. The QR money issuing system 200 extracts user information and QR money sale information as purchase information previously registered in an internal database. In addition, the QR money issuing system 200 determines the authenticity of the QR money currently received based on the extracted purchase information.

The QR money issuing system notifies the QR reader 231 of the approval of use if the QR money currently received is duly purchased and confirmed to be used for the first time. On the other hand, if it is determined that the currently received QR money is not issued or has already been used, a purchase error message notifying of this is provided. That is, if the same information as the personal information and issuing information of the QR money currently received in the internal database of the QR money issuing system 200 does not exist or the QR money currently received in the revocation list of the database exists, an error message is displayed. To provide.

The store terminal interworking with the QR reader 231 displays the information notified by the QR money issuing system 200, and a goods or service transaction with the user is made based on the information. In addition, the store terminal requests payment according to the sale of goods from the QR money issuing system 200, and the payment is made through a separate financial network. The QR money issuing system 200 may facilitate the convenience of merchants by providing additional services such as product sales management, performance management, and profit management for each merchant.

On the other hand, when the user wants to purchase goods or services through the online shopping mall, the user terminal 221 accesses the online shopping mall server 241 through the wireless Internet. The online shopping mall server 241 is registered as an online merchant from the QR money issuing system 200, and an API is provided to enable the use of QR money from the QR money issuing system 200.

The user terminal 221 requests the purchase of any goods or services from the online shopping mall server 241, and the online shopping mall server 241 requests a QR money corresponding to the purchased goods or services. In response, the user terminal 221 selects one or more QR moneys registered in the memory and transmits the QR money to the URL indicated by the online shopping mall server 241.

After receiving the QR money, the online shopping mall server 241 determines whether it matches the price of the requested item or service. As a result of the determination, if an amount mismatch occurs, a notification is made through a web screen, and if the amounts match, the company authentication information including the affiliate store number, IP information, and business information of the online shopping mall server 241, and the received information. The QR money is transmitted to the QR money issuing system 200.

The QR money issuing system 200 determines the authenticity of the received QR money after performing the operator authentication. The authenticity of the QR money determines whether the QR money is QR that is not used as registered information or QR registered in the revocation list according to the above-described method, and transmits the result to the online shopping mall server 241. Therefore, the online shopping mall server 241 determines whether to approve the sale of goods or services based on the notification contents of the QR money issuing system 200.

In addition, when the online shopping mall server 241 sells the goods or services, the QR money issuing system 200 requests a payment for selling the goods. This is accomplished through a separate financial network as described above.

Meanwhile, the user terminal 221 downloads the QR money from the QR money issuing system 200 and uses the QR money. However, after the QR money is purchased by another person, the user terminal 221 uses the QR money issuing system 200. ) Can be considered to have downloaded the QR money. This is a structure in which a buyer provides or presents a QR money to a third party's terminal. Therefore, the QR money issued by the QR money issuing system 200 is generated as personal information of a third party, and such information is registered in a database.

<Example 2>

The user terminal 221 receives a QR money according to the payment amount from the QR money issuing system 200. When the user terminal 221 wants to transfer the issued QR money to a third party, that is, when the user wants to transfer the QR money downloaded to the user terminal 221 to the third party's terminal, the user terminal 221 receives the QR. The money issuing system 200 notifies this.

The notification procedure is greatly simplified, wherein the user terminal 221 is achieved by passing the transfer request information to the QR money issuing system 200 together with the above-mentioned third party terminal number information. The QR money issuing system 200 receives the third party terminal number information in response to the transfer request information presented from the user terminal 221.

The QR money issuing system 200 regenerates the new QR money based on the personal information of the user who originally purchased the QR money and the terminal information of the third party. Then, the QR money issued by the QR money issuing system 200 and transmitted to the user terminal 221 is registered in the revocation list. In addition, it is registered in a new QR money or database. Thereafter, the QR money issuing system 200 extracts the third party's terminal number information and wirelessly transmits the regenerated QR money to the third party's terminal.

In this case, the QR money issuing system 200 may deliver a separate message to a third party's terminal, which is information of the user who purchased the QR money for the first time and transferred to the third party's terminal, for example, the user's name information and a guide message. Can be passed. The guide message may be a preset greeting message or a greeting message as a separate short message requested from the user.

Accordingly, the third party's terminal receives the QR money and at the same time, a greeting message prepared or preset by the user is transferred through SMS or MMS. The third party's terminal will be able to recognize from whom the QR money currently received was sent and why.

As a result, the user terminal 221 is capable of presenting to a third party without using the QR money purchased by the user terminal 221. This is different from the concept of the present gift presented in the first embodiment, and it is possible to deliver the already downloaded QR money to a third party, so that the application range and utilization value of the QR money are sufficiently high. As such, the third party terminal provided with the QR money can be used like cash in an online or offline store.

3 is a configuration diagram illustrating the main functions of the QR money issuing system 200 according to the present invention. As shown, QR issuance module 301 and offline stores to generate a QR code based on the user's personal information, amount information, merchant information, discount information and other information, and assuming this as a QR money to transmit to the set terminal When requesting payment of the QR money from the QR reader 231 provided in the QR, it is determined whether the registration of the store and the authenticity of the currently received QR money, and the QR to transmit the determination result to the QR reader 231 Register and manage the receiver information receiving QR money, the transfer information according to the QR money transfer, including the money management module 303, the user information before the start of the QR issuing module 301, and the QR money purchase information. QR user management module 305 which performs list management on the used QR money or the QR money requested for disposal, and QR API (Ap) which maintains the communication section with the management terminal of the online store and performs data transmission and reception. replication programming interface) support module 307, QR cash interface 309 for performing user-specific usage and point management for QR money, and QR money for real-time interworking with QR money used through online stores. It consists of a connection module 311.

The QR money issuing system 200 configured as described above performs sales settlement of goods or services using QR money, commission settlement according to QR money issuance, transfer issuance, sales history, real-time provision of QR money, and interworking standards. .

4 shows a service configuration diagram according to the present invention, which will be described below with reference to this. The user terminal 221 requests QR money issuance to the QR money issuing system 200. QR money is issued according to the user's payment amount, the user information and the transfer information is registered through the QR user management module 305. And the revocation information about the discarded QR money is retained. The QR issuing module 301 issues a QR money based on the user's payment and transfer information, and the issued QR money is provided to the user terminal 221.

In addition, the QR reader 231 provided in the offline store provides a settlement processing and settlement confirmation service according to the use of QR money from the QR money issuing system 200, and is made by the QR money management module 303. In addition, the QR money management module 303 determines and notifies the authenticity of the QR money received by the offline store, and provides information such as the sales status of the corresponding store, the sales status of each item or service.

Meanwhile, the QR money used in the online shopping mall maintains communication with the shopping mall server by the QR API support module 307 and between the QR money issuing system 200 and the online shopping mall server by the QR money access module 311. Real time interworking can be achieved. This is a real-time settlement of QR money registered and managed by the QR money issuing system 200 and QR money traded on the online shopping mall server, real-time disposal management, real-time issuance management of QR money. As such, the QR money used in the offline or online store is made of the usage history and the point management through the QR cache interface 309.

Therefore, as described above, the QR money according to the present invention can be easily issued a QR money through the online site, the issued QR money can be used stably in an online or offline store. In addition, the QR money can be mounted on the user terminal 221 through real-time charging, or the QR money mounted as a terminal can be transferred to a third party's terminal in a pattern such as a transfer or a gift, thereby maximizing the utilization of the QR money. do.

5 is a view illustrating an apple of a QR money and a terminal operating the same according to the present invention. QR money can be registered and managed through Apple on the terminal, and downloaded or purchased QR money can perform functions such as usage history management, QR money gift, order, and transfer through Apple.

200: QR money issuing system 221: user terminal
231: QR reader 241: online store server
301: QR issuance module 303: QR Money Management Module
305: QR user management module 307: QR API support module
309: QR Cash Interface 311: QR Money Connection Module

Claims (5)

In a financial transaction based payment system using a Quick Response (QR) code,
Based on the connection with the wired / wireless communication network, it performs the payment operation according to the QR money request and the management according to the QR money use. And a QR money issuing system 200 in which cache management for performing the service management and service management for managing generation and disposal of the QR money are performed.
A user terminal (221) for accessing the wired / wireless communication network to purchase the QR money, and to perform payment at an online or offline store through the purchased QR money and to transmit the QR money;
Installed at an offline store and based on an online connection with the QR money issuing system 200, the QR money presented from the user terminal 211 when the goods or services are purchased is scanned, and the scanned QR money information is issued to the QR money. QR reader 231 for transmitting to the system 200; And
The API is provided from the QR money issuing system 200, and provides QR money information stored in the user terminal 221 to the QR money issuing system 200 when an online purchase of the goods or services is made. Payment system using the QR code, characterized in that consisting of ;; the online shopping mall server 241, the payment is approved according to the authentication procedure of the system (200). The method of claim 1,
QR code, characterized in that when the QR money is purchased through the QR money issuing system 200, by specifying the number of the terminal to download the QR money, QR money requested to purchase to any terminal is transmitted to another terminal Payment system using. The method of claim 1,
The QR money issuing system 200 receives the request for the transfer of the QR money from the user terminal 221, and receives the terminal information to pump the QR money, thereby discarding the first issued QR money, and a new QR money The payment system using the QR code, characterized in that to perform the transfer of the QR money by retransmitting to the terminal to be pumped. The method of claim 3, wherein
Revocation of the QR money issuing system 200, QR code is characterized in that the first generated QR money is discarded from the management list of the QR money issuing system 200, and also discard information is managed by managing the deletion list. Payment system using. The method according to any one of claims 1 to 4,
The QR money issuing system 200 generates a QR code based on the user's personal information, amount information, merchant information, discount information and other information, and assumes it as a QR money and transmits the QR issuing module 301 to the set terminal. );
When requesting payment of QR money from the QR reader 231 provided in an offline store, it is determined whether the store is registered and whether or not the authenticity of the currently received QR money is transmitted, and the determination result is transmitted to the QR reader 231. QR money management module 303;
Register and manage the receiver information receiving the QR money, the transfer information according to the transfer of the QR money, including the user information and the QR money purchase information before starting the QR issuing module 301, and the previously used QR money or disposal request QR user management module 305 for performing list management for QR money;
QR API (Application Programming Interface) support module 307 for performing communication section maintenance and data transmission and reception with the management terminal of the online store;
QR cache interface 309 for performing user-specific usage and point management for the QR money; And
Payment system using QR code, characterized in that consisting of QR money connection module 311 that supports real-time interworking with QR money used through the online store.

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