KR20120130023A

KR20120130023A - Method and system for servicing a settlement

Info

Publication number: KR20120130023A
Application number: KR1020110048095A
Authority: KR
Inventors: 신동욱
Original assignee: (주)아이페이먼트
Priority date: 2011-05-20
Filing date: 2011-05-20
Publication date: 2012-11-28

Abstract

Disclosed are a payment service method and system for providing a service for allowing a customer to pay on their own through a user terminal. The payment service method may include receiving card approval information generated in response to a user's card payment request from a card company approval server or a user terminal, transmitting card approval information to an affiliated store sales system, and selling an affiliated store. Receiving a payment completion confirmation signal in response to the card approval information from the system, and transmitting the payment completion confirmation signal to the card company approval server. Accordingly, by providing a service that allows a customer to pay his / her own credit card through another user's terminal without requesting payment by providing his / her own credit card to others, eliminating the risk of duplication of the credit card and crediting according to the credit card payment. It is possible to prevent the possibility that the user's payment signature which can be stored in the card terminal is abused.

Description

Payment service method and system {METHOD AND SYSTEM FOR SERVICING A SETTLEMENT}

The present invention relates to a payment service method and system, and more particularly, to a payment service method and system for providing a service for customers to pay themselves through their user terminal.

In general, a method of paying for goods using a credit card is to input credit card information into a terminal installed at a credit card merchant, and input the amount of goods to request approval, and the information is connected to a wired communication network installed by VAN. Is sent to the credit card company, the credit card company decides whether to approve and send the result back to the merchant through the wired communication network, the authorization for the use of the credit card has been approved, issued a receipt through the terminal, the user This is done by signing.

However, this method has a problem in that the credit card payment is impossible if the user loses or does not possess the credit card because the user can own the credit card.

In addition, the payment sign made on the credit card terminal by the credit card user himself may be stored in the credit card terminal, so that the stored credit card number and the stored payment sign are always exposed to malicious third parties. There is this.

In order to solve these problems, the Republic of Korea Patent No. 377718 provides a user terminal and a credit card payment method for adding a credit card payment function to the user terminal so that the credit card payment is possible only by the user terminal.

In this technology, if you register your credit card number and password in advance with your mobile service provider and operate the credit card selection button on your device, you can select one of your registered credit cards, and the password and merchant number of the selected credit card. And after entering the transaction details, and then operate the confirmation button immediately connected to the credit card company to receive the approval request and approval result notification without going through the VAN company.

However, in the prior art, since the credit card information owned by the mobile carrier server must be registered in advance, the leakage of personal information is concerned, and in order to provide such a service, a separate fee is paid between the user and the mobile carrier to enter into an agreement. There was a problem such as.

The technical problem of the present invention is to solve such a conventional problem, an object of the present invention is to provide a payment service method for providing a service for customers to pay themselves through their user terminal.

Another object of the present invention is to provide a payment service system for performing the above payment service method.

In order to realize the above object of the present invention, the payment service method according to an embodiment comprises the steps of: receiving card approval information generated in response to a request for payment of a user's card payment from a card approval server or a user terminal; Transmitting the card approval information to a merchant sales system, receiving a payment completion confirmation signal corresponding to the card approval information from the merchant sales system, and transmitting the payment completion confirmation signal to the card approval server. It includes.

In order to achieve the above object of the present invention, a payment service method according to another embodiment includes obtaining billing information from a billing statement output from a merchant sales system, and transmitting user's personal identification information to a card approval server. Requesting the holding card information of the user, receiving the holding card information of the user corresponding to the personal identification information, and selecting a card to be used for payment from among the received holding card information, confirming the authentication certificate or the card Receiving user information including information, requesting payment of the charge amount to the card approval server, and receiving card approval information from the card approval server, wherein the card approval information is the card company. It is transmitted to the affiliated store sales system by the approval server, and payment is completed based on the card approval information. A data confirmation signal is generated in the affiliated store sales system and is transmitted to the card approval server.

In order to achieve the above object of the present invention, a payment service method according to another embodiment includes obtaining goods information from a product guided by a membership on / offline affiliated store, and selling an affiliated store arranged in the membership on / offline affiliated store. Requesting the purchase of goods to the system, receiving serial numbers of quantities, shipping information, customer information, merchant information, and billing statements for the purchase of goods from the merchant sales system, and approving the user's personal identification information. Requesting the retention card information of the user by transmitting to the server, receiving the retention card information of the user corresponding to the personal identification information from the card approval server, and selecting a card to be used for payment among the received retention card information User information, including the verification of the certificate or the card information, And receiving the payment information, sending the merchant information and the serial number of the billing statement to the card approval server, requesting payment of the charge amount, and confirming the customer information and the card approval information generated through the card approval procedure. And receiving from a server, wherein the card approval information is transmitted to the affiliated store sales system by the card approval server, and a payment completion confirmation signal is generated by the affiliated store sales system based on the card approval information to generate the card approval. It is characterized in that the transmission to the server.

According to another embodiment of the present invention, a payment service method includes a step of outputting a billing statement by a merchant sales system according to a card payment request, and a user terminal requesting billing information from the billing statement. Acquiring a request for the user's retention card information by transmitting the personal identification information of the user to a card approval server, and receiving the personal information of the user as the billing information is confirmed by the user. Transmitting the user's holding card information to the user terminal based on the identification information, and, as the card to be used for payment is selected by the user from the holding card information, the user terminal performing a user verification procedure; The user terminal requests the payment of the charges to the card approval server And transmitting, by the card approval server, card approval information to the user terminal, transmitting, by the card approval server, the card approval information to a relay system, and wherein the relay system transmits the card approval information to an affiliated store. Transmitting the payment completion confirmation signal corresponding to the card approval information to the relay agency system; and sending the payment completion confirmation signal to the card company approval server by the merchant sales system. Transmitting.

According to another embodiment of the present invention, a payment service method includes a step of outputting a billing statement by a merchant sales system according to a card payment request, and a user terminal requesting billing information from the billing statement. Acquiring a request for the user's retention card information by transmitting the personal identification information of the user to a card approval server, and receiving the personal information of the user as the billing information is confirmed by the user. Transmitting the user's holding card information to the user terminal based on the identification information, and, as the card to be used for payment is selected by the user from the holding card information, the user terminal performing a user verification procedure; The user terminal requests the payment of the charges to the card approval server And transmitting, by the card approval server, card approval information to the user terminal, transmitting, by the card approval server, the card approval information to an affiliated store sales system, and wherein the affiliated store sales system corresponds to the card approval information. And transmitting a payment completion confirmation signal to the card approval server.

According to another embodiment of the present invention, a payment service method includes a step of outputting a billing statement by a merchant sales system according to a card payment request, and a user terminal requesting billing information from the billing statement. Acquiring a request for the user's retention card information by transmitting the personal identification information of the user to a card approval server, and receiving the personal information of the user as the billing information is confirmed by the user. Transmitting the user's holding card information to the user terminal based on the identification information, and, as the card to be used for payment is selected by the user from the holding card information, the user terminal performing a user verification procedure; The user terminal requests the payment of the charges to the card approval server And transmitting, by the card approval server, card approval information to the user terminal, transmitting, by the user terminal, card approval information to the relay engine system, and the relay engine system sending the card approval information to the affiliated store. Transmitting the payment completion confirmation signal to the relay agency system in response to the card approval information; and sending the payment completion confirmation signal to the card approval server in response to the card approval information. Sending to.

In order to achieve the above object of the present invention, a payment service system according to an embodiment includes a communication unit connected to an affiliated store sales system, a user terminal, and a card company approval server through a communication channel, and receives card approval information from the user terminal. And a system control unit for transmitting the card approval information to the affiliated store sales system, receiving a payment completion confirmation signal corresponding to the card approval information from the affiliated store sale system, and transmitting the payment completion confirmation signal to the card approval server. do.

In order to achieve the above object of the present invention, a payment service system according to another embodiment includes a communication unit connected to an affiliated store sales system and a card approval server arranged at a membership online / offline merchant, and a communication unit connected to the card approval server. Receive the generated card approval information from the card company approval server, transmit the card approval information to the merchant sales system, receive a payment completion confirmation signal based on the card approval information from the merchant sales system, the payment completion confirmation signal It includes a system control unit for transmitting to the card approval server.

In order to achieve the above object of the present invention, a payment service system according to another embodiment includes a communication unit connected to an affiliated store sales system, a user terminal, and a card approval server arranged at a membership online / offline affiliated store, and Receive card approval information generated in the card approval server from the user terminal, transmit the card approval information to the merchant sales system, receive a payment completion confirmation signal based on the card approval information from the merchant sales system, the payment And a system controller for transmitting a completion confirmation signal to the card approval server.

According to the payment service method and system, based on the existing credit card payment infrastructure, by providing a service that allows customers to pay their own credit through their own user terminal, rather than requesting payment by providing their credit card to others, The risk of duplication of the card can be eliminated, and according to the credit card payment, it is possible to prevent the possibility of misuse of its own payment sign that can be stored in a credit card terminal, for example, a point of sales terminal.

1 is a configuration diagram illustrating a payment service system according to a first embodiment of the present invention.
2A to 2H illustrate user interface screens of the user terminal illustrated in FIG. 1.
FIG. 3 is a block diagram schematically illustrating the relay engine system shown in FIG. 1.
4 is a configuration diagram illustrating a payment service system according to a second embodiment of the present invention.
5 is a configuration diagram illustrating a payment service system according to a third embodiment of the present invention.
6 is a configuration diagram illustrating a payment service system according to a fourth embodiment of the present invention.
7 is a configuration diagram illustrating a payment service system according to a fifth embodiment of the present invention.
8 is a configuration diagram illustrating a payment service system according to a sixth embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will now be described in more detail with reference to the accompanying drawings. The present invention is capable of various modifications and various forms, and specific embodiments are illustrated in the drawings and described in detail in the text. It should be understood, however, that the invention is not intended to be limited to the particular forms disclosed, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

The terms first, second, etc. may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as the second component, and similarly, the second component may also be referred to as the first component. Singular expressions include plural expressions unless the context clearly indicates otherwise.

In this application, the terms "comprises", "having", and the like are used to specify that a feature, a number, a step, an operation, an element, a part or a combination thereof is described in the specification, But do not preclude the presence or addition of one or more other features, integers, steps, operations, components, parts, or combinations thereof.

Also, unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Terms such as those defined in the commonly used dictionaries should be construed as having meanings consistent with the meanings in the context of the related art and shall not be construed in ideal or excessively formal meanings unless expressly defined in this application. Do not.

First Embodiment

1 is a configuration diagram illustrating a payment service system according to a first embodiment of the present invention.

Referring to Figure 1, the payment service system according to the first embodiment of the present invention is composed of a merchant store system 110, a user terminal 120, a card company approval server 130 and a relay system system 140 user terminal Payment service is made using. In this embodiment, the merchant sales system 110 may be a POS terminal. In addition, the user terminal 120 may be a mobile device, such as a personal digital assistant (PDA), a mobile phone, a smartphone with call and Internet capabilities, and other similar computing devices. In this embodiment, the relay engine system 140 is illustrated, but may also be a ticket acquisition company server system.

First, the user requests a card payment in accordance with the purchase of goods or services to the clerk of the affiliated store in which the affiliated sales system is arranged (step S110). The card payment request may be made orally, or may be made by transmitting a wireless signal to the affiliated store sales system 110 using the user's own user terminal 120.

Accordingly, the merchant sales system 110 outputs the billing statement to the user (step S112). In this embodiment, the billing statement may include a machine readable marking. The machine readable marker may be a barcode. The barcode may be a linear barcode or a two-dimensional barcode. Examples of linear barcodes are UPC symbols, EAN-13 codes, and pharmacodes. Examples of two-dimensional barcodes are data matrix, QR code and PDF417 code. Hereinafter, in the embodiment of the present invention, the barcode is described as a QR code as a UPC symbol.

That is, the affiliated store sales system 110 outputs a billing statement, which is a receipt, as a calculation is required from a customer having the user terminal 120. The printed receipt is sent to the customer. The output receipt may include the number or code unique to the merchant, a transaction amount, and the like. The receipt may be printed and output or may be output by Near Field Communication (NFC).

In this embodiment, various implementations of merchant sales system 110 and technology that output billing statements containing machine readable markings include digital electronic circuitry, integrated circuits, specifically designated application specific integrated circuits (ASICs), and computer hardware. , Firmware, software and / or combinations of the foregoing. These various implementations include a processor capable of writing at least one program with a specific or general purpose, which receives data and instructions from a storage system, at least one input device and at least one output device, and combines to transfer the data and instructions. Implementation in one or more computer programs executable and / or interpretable in a containing program system.

Then, the user terminal 120 obtains the billing information from the billing statement (step S114). In one example, when the billing statement is printed and output, the user terminal 120 may obtain the billing information by photographing the QR code printed on the billing statement and decoding it. In another example, if the billing statement is output in a near field communication method, the user terminal 120 may obtain the billing information by decoding the encoded billing statement.

Then, the user terminal 120 displays the billing information through the display window to confirm the billing information by the user (step S116).

Subsequently, the user terminal 120 transmits personal identification information (PII) to the card approval server 130 so as to request the holding card information in order to proceed with the payment (step S118). The personal identification information may be made of an official certificate, ID / password, card company authentication registration information.

Subsequently, the card approval server 130 checks the user's personal identification information and transmits the user's holding card information to the user terminal 120 (step S120). In the present embodiment, the card approval server 130 described is a remotely located computer or a collection of computers.

Subsequently, as the user selects a card to be used for payment from the received holding card information, the user terminal 120 corresponds to the selected card or the confirmed card, such as a certificate or card information, for example, a card password, CVC, etc. A user verification process is performed (step S122).

Subsequently, the user requests that the user terminal 120 pay the bill to the card approval server 130 (step S124). In this case, upon request for payment of the bill amount, the information transmitted from the user terminal 120 to the card approval server 130 may include affiliate store information and serial number of the billing statement.

Subsequently, the card approval server 130 transmits the card approval information to the user terminal 120 (step S126).

Subsequently, the card approval server 130 transmits the card approval information to the relay authority system 140 (step S128).

Subsequently, the relay system system 140 transmits the received card approval information to the affiliated store sales system 110 (step S130). In this embodiment, the relay engine system 140 described is a remotely located computer or a collection of computers. The relay system system 140 may be replaced with a ticket acquisition company server system.

Subsequently, the merchant sales system 110 confirms the card approval information and transmits a payment completion confirmation signal to the relay authority system 140 informing that the payment is completed (step S132). For example, the merchant sales system 110 generates the payment completion confirmation signal only when the serial number of the issued billing statement and the serial number included in the card approval information are identical.

Subsequently, the relay system 140 transmits the received payment completion confirmation signal to the card approval server 130 (step S134).

Next, the operation of the user terminal 120 of the user made by the payment service according to the present invention will be described.

2A to 2H illustrate user interface screens of the user terminal illustrated in FIG. 1.

As shown in FIG. 2A, the user photographs the QR code printed on the billing statement by using the user terminal 120 of the user.

As the QR code is photographed, the billing information encoded in the QR code is decoded, and billing information as shown in FIG. 2B is obtained and displayed. The billing information includes merchant name, item and quantity corresponding to payment, and total amount of money. For example, when the QR code output and printed by the affiliate store sales system is decrypted, the billing information is obtained, and the billing information may be converted into the following xml data format to be displayed on the display window of the user terminal.

In the above xml data type, each element has the following meaning.

That is, information transmitted through a QR code is displayed between <QRCode> and </ QRCode>, and a merchant name is displayed between <StoreName> and </ StoreName>. In addition, a transaction number is displayed between <TRANSID> and </ TRANSID>, and an item name is displayed between <G Q = quantity> and </ G>. In addition, between <OT> and </ OT>, the number of other items, that is, the number of remaining items except for the item indicated as <G> </ G> of the total number of items sold is posted. In addition, the charge will be posted between <AMOUNT> and </ AMOUNT>.

As the user touches the confirmation button in the payment information confirmation window shown in FIG. 2B, the user terminal 120 requests the card approval server 130 for the user's holding card information.

The card approval server 130 transmits the card information of the user to the user terminal 120 of the user. Accordingly, the user terminal 120 displays the user's holding card information through the display window, as shown in Figure 2c. When the user selects any one of the plurality of cards, specific card information as shown in FIG. 2D is selected and displayed. When the user touches the confirmation button, as shown in FIG. 2E, a display window is displayed asking whether to make a payment through a card or a public certificate.

If the user selects to pay through the card, as shown in Fig. 2F, a display window for inputting the card payment information is displayed. For example, a window for entering the card password and the CVC is displayed. After inputting information into each of the corresponding windows and touching the confirmation button, as shown in FIG. 2G, a payment information confirmation window is displayed. The payment information confirmation window includes the name of the affiliated store, items and quantities corresponding to the payment, and total amount of money.

On the other hand, when the user selects the certificate payment in FIG. 2E, after displaying the certificate signature related information as shown in FIG. 2H, a display window for inputting the certificate authentication password for the certificate payment as shown in FIG. do.

In the present embodiment, when the payment information is printed as a QR code in the billing statement, it is described that the QR code is photographed through the user terminal to obtain the billing information. However, if the billing statement is not printed and is transmitted to the user terminal 120 from the merchant sales system in a near field communication (NFC), the step of photographing such a QR code can be omitted.

On the other hand, when transmitting data from the merchant sales system to the user terminal, a separate encryption process may be further performed for information security during transmission.

3 is a block diagram schematically illustrating the relay engine system 140 illustrated in FIG. 1.

Referring to FIG. 3, the relay system 140 according to the present invention includes a communication unit 310, a system control unit 320, a management unit 330, and a storage unit 340. In the present invention, for the convenience of description, the relay engine system 140 has been described as being composed of the communication unit 310, the system control unit 320, the management unit 330 and the storage unit 340, but this is logically divided only hardware It is not separated by.

The communication unit 310 includes an affiliated store sales system communication module 312, a user terminal communication module 314, and a card company communication module 316. In the present invention, for the convenience of description, the communication unit 310 has been described as being composed of a merchant sales system communication module 312, a mobile carrier communication module 314 and a card company communication module 316, but this is logically divided only hardware It is not separated by.

The affiliated store sales system communication module 312 receives signals provided from each of a plurality of affiliated store sales systems, and also transmits signals provided to the corresponding affiliated store sales system from the relay system.

The user terminal communication module 314 is connected to the mobile communication system through a communication channel, the role of the passage output signal from the relay engine system 140 is transmitted to the user terminal or the signal output from the user terminal relay engine system ( 140 serves as a passage to be transmitted.

The card company communication module 316 is connected to the card company system through a communication channel, so that the signal output from the relay system 140 is transmitted to the card company system or the signal output from the card company system relay engine system 140 It acts as a passage to be transmitted to.

The system controller 320 includes a card approval information control module 322 and a payment completion confirmation signal control module 324. In the present invention, for the convenience of description, the system control unit 320 has been described as consisting of the card approval information control module 322 and the payment completion confirmation signal control module 324, which is logically divided only by hardware It is not.

The card approval information control module 322 is responsible for receiving the card approval information transmitted from the card company approval server 130 and transmitting the card approval information to the affiliated store sales system 110. In addition, the card approval information control module 322 is responsible for receiving the card approval information transmitted from the user terminal 120, and transmits the card approval information to the affiliated store sales system 110.

The payment completion confirmation signal control module 324 receives the payment completion confirmation signal in response to the card approval information from the merchant sales system 110, and transmits the payment completion confirmation signal to the card company approval server 130 In charge of.

The management unit 330 includes an affiliated store management module 332, a customer management module 334, and a card company management module 336. In the present invention, for the convenience of description, the management unit 330 has been described as being composed of the affiliated store management module 332, the customer management module 334 and the card company management module 336, but this is logically divided only by hardware It is not one.

The affiliated store management module 332 manages affiliated store sales systems 110 corresponding to affiliated stores. The customer management module 334 manages user terminal information, customer information, and the like of the customer. The card company management module 336 manages card company information of a customer or card company information of affiliated stores.

The storage unit 340 includes a transaction information storage unit 342, an authentication result information storage unit 344, and a customer relationship management (CRM) information storage unit 346. In the present invention, for the sake of convenience, the storage unit 340 includes a transaction information storage unit 342, an authentication result information storage unit 344, and a CRM information storage unit 346. It is not a hardware classification.

The transaction information storage unit 342 stores transaction information. The authentication result information storage unit 344 stores authentication result information. CRM information is stored in the CRM information storage unit 346. Stored CRM information can be applied to retail sales, on-site sales, mail-order sales, web sales, etc., can be applied to campaigns and content development, and can be applied to services such as call centers, web services, and wireless services. It can also be applied to business development.

The relay engine system 140 may further include an unmanned automated detection unit 350 that performs a monitoring function and an automatic backup function.

In the relay engine system 140 or the communication unit 310, the system control unit 320, the management unit 330, the storage unit 340, and the automation detection unit 350 provided in the relay engine system 140 described herein. Various implementations of the technology may be made from digital electronic circuits, integrated circuits, specifically designated application specific integrated circuits (ASICs), computer hardware, firmware, software and / or combinations of the foregoing. These various implementations include a processor capable of writing at least one program with a specific or general purpose, which receives data and instructions from a storage system, at least one input device and at least one output device, and combines to transfer the data and instructions. Implementation in one or more computer programs executable and / or interpretable in a containing program system. Such computer programs (well known as programs, software, software applications or code) contain machine instructions for a processor that can write programs and execute in high-level procedures and / or object-oriented programming languages and / or assembly / machine languages. can do. As used herein, the terms machine readable media, computer readable media, and the like, include machine readable media that receive machine instructions as machine readable signals, so that the machine instructions and / or data can be programmed by a processor capable of programming. Represents any computer program product, device and / or device (eg, magnetic disk, optical disk, memory, Programmable Logic Devices (PLDs)) that are used to provide a. The term machine readable signal refers to any signals used to provide machine instructions and / or data to a programmable processor.

As described above, according to the present embodiment, a user downloads and installs an application program for implementing a service according to the present invention through his or her user terminal, for example, a smartphone, and pays through an installed application program. Perform For example, a user who has completed a meal at a place such as a restaurant starts up an installed application program, photographs a QR code printed on the billing statement, acquires billing information, and then pays the billed amount to the card approval server. The payment operation is performed by requesting a payment.

On the other hand, the card company approval server transmits the card approval information of the card to the merchant sales system via the relay system, and the merchant sales system identifies the serial number included in the card approval information with the serial number of the issued billing statement. Check and transmit the payment completion confirmation signal to the card approval server via the relay system. Accordingly, the user does not have to provide his or her own credit card for payment, thereby preventing the risk of loss or duplication of the credit card.

In addition, the payment signing done by the credit card terminal can be continuously maintained in the credit card terminal to remove the adverse effect that can be caused by unauthorized copying and use of the payment sign as well as the credit card number.

On the other hand, in general, when using a credit card or a check card, the user's signature is required, so a separate receipt for obtaining the user's signature was required. These receipts are made by paper, and the amount of paper for printing receipts was huge in Korea for a year. However, according to the present invention, a separate receipt for acquiring the user's signature is unnecessary, so that paper use can be suppressed. In addition, the use of ink for printing a receipt can also be suppressed.

In addition, the financial institution can omit the task of issuing a credit card to each of the users can reduce the cost required for issuing the credit card or the human cost of delivering the issued credit card to the user.

Second Embodiment

4 is a configuration diagram illustrating a payment service system according to a second embodiment of the present invention.

Referring to FIG. 4, the payment service system according to the second embodiment of the present invention includes a merchant sales system 210, a user terminal 220, and a card company approval server 230 to perform a payment service using a user terminal. In this embodiment, the merchant sales system 210 may be a POS terminal. In addition, the user terminal 220 may be a mobile device, such as a personal digital assistant (PDA), a mobile phone, a smartphone with call and Internet capabilities, and other similar computing devices.

First, the user requests a card payment in accordance with the purchase of goods or services to the clerk of the affiliated store in which the affiliated sales system is arranged (step S210). The card payment request may be made orally or may be made by transmitting a wireless signal to the affiliated store sales system 210 using the user's own user terminal 220.

Accordingly, the merchant sales system 210 outputs the billing statement and provides it to the user (step S212). In this embodiment, the billing statement may include a machine readable marking. The machine readable marker may be a barcode. Hereinafter, in the embodiment of the present invention, the barcode is described as a QR code as a UPC symbol.

That is, the affiliated store sales system 210 outputs a billing statement, which is a receipt, as a calculation is required from a customer having the user terminal 220. The printed receipt is sent to the customer. The output receipt may include the number or code unique to the merchant, a transaction amount, and the like. The receipt may be printed and output or may be output by Near Field Communication (NFC).

Then, the user terminal 220 obtains the billing information from the billing statement (step S214). In one example, when the billing statement is printed and output, the user terminal 220 may obtain the billing information by photographing the QR code printed on the billing statement and decrypting it. In another example, if the billing statement is output in a near field communication method, the user terminal 220 may obtain the billing information by decoding the encoded billing statement.

Subsequently, the user terminal 220 displays the billing information through the display window to confirm the billing information by the user (step S216).

Subsequently, the user terminal 220 transmits personal identification information (PII) to the card approval server 230 so as to request the holding card information in order to proceed with the payment (step S218). The personal identification information may be made of an official certificate, ID / password, card company authentication registration information.

Subsequently, the card approval server 230 confirms the user's personal identification information, and transmits the user's retention card information to the user terminal 220 (step S220).

Subsequently, as the user selects a card to be used for payment from the received holding card information, the user terminal 220 corresponds to the selected card or the confirmed card, such as a certificate or card information, for example, a card password, CVC, etc. A user verification process is performed (step S222).

Subsequently, the user requests that the user terminal 220 pay the billed amount to the card approval server 230 (step S224). In this case, upon request for payment of the bill amount, the information transmitted from the user terminal 220 to the card approval server 230 may include merchant information and serial number of the billing statement.

Subsequently, the card approval server 230 transmits the card approval information to the user terminal 220 (step S226).

Subsequently, the card approval server 230 transmits the card approval information to the affiliated store sales system (step S228).

Subsequently, the merchant sales system 210 confirms the card approval information and transmits a payment completion confirmation signal to the card approval server 230 informing that the payment is completed (step S230). For example, the merchant sales system 210 generates the payment completion confirmation signal only when the serial number of the issued billing statement and the serial number included in the card approval information are identical.

On the other hand, the card company approval server transmits the card approval information of the card to the merchant sales system, and the merchant sales system checks the serial number included in the card approval information and the serial number of the issued billing statement by checking the payment completion. Send the signal to the card approval server. Accordingly, the user does not have to provide his or her own credit card for payment, thereby preventing the risk of loss or duplication of the credit card.

Third Embodiment

5 is a configuration diagram illustrating a payment service system according to a third embodiment of the present invention.

Referring to FIG. 5, the payment service system according to the third embodiment of the present invention includes an affiliated store sales system 310, a user terminal 320, a card company approval server 330, and a relay system 340. Payment service is made using. In this embodiment, the merchant sales system 310 may be a POS terminal. In addition, user terminal 320 may be a mobile device, such as a personal digital assistant (PDA), a mobile phone, a smartphone with call and Internet capabilities, and other similar computing devices. Although the relay engine system 340 is illustrated in this embodiment, it may also be a ticket acquisition company server system.

First, the user requests a card payment in accordance with the purchase of goods or services to the clerk of the affiliated store in which the affiliated sales system is arranged (step S310). The card payment request may be made orally, or may be made by transmitting a wireless signal to the affiliated store sales system 310 using the user's own user terminal 320.

Accordingly, the merchant sales system 310 outputs the billing statement and presents it to the user (step S312). In this embodiment, the billing statement may include a QR code. The affiliated store sales system 110 outputs a receipt as a calculation is required from a customer having the user terminal 320. The printed receipt is sent to the customer. The output receipt may include the number or code unique to the merchant, a transaction amount, and the like. The receipt may be printed and output or may be output by Near Field Communication (NFC).

Then, the user terminal 320 obtains the billing information from the billing statement (step S314). In one example, when the billing statement is printed and output, the user terminal 320 may obtain the billing information by photographing the QR code printed on the billing statement. In another example, if the billing statement is output in a near field communication method, the user terminal 320 may obtain the billing information by decoding the encoded billing statement.

Then, the user terminal 320 displays the billing information through the display window to confirm the billing information by the user (step S316).

Subsequently, the user terminal 320 transmits the personal identification information (PII) to the card approval server 330 in order to proceed with the payment and requests the holding card information (step S318). The personal identification information may be made of an official certificate, ID / password, card company authentication registration information.

Then, the card approval server 330 checks the user's personal identification information, and transmits the user's possession card information to the user terminal 320 (step S320).

Subsequently, as the user selects a card to be used for payment from the received holding card information, the user terminal 320 corresponds to the selected card or the confirmed card, such as a certificate or card information, for example, a card password, CVC, etc. A user verification process is performed (step S322).

Subsequently, the user requests to pay the bill to the card approval server 330 through the user terminal 320 (step S324). In this case, upon request for payment of the bill, the information transmitted from the user terminal 320 to the card approval server 330 may include affiliate store information and serial number of a billing statement.

Subsequently, the card approval server 330 transmits the card approval information to the user terminal 320 (step S326).

Subsequently, the user terminal 320 transmits the received card approval information to the relay engine system 340 (step S328).

Subsequently, the relay system 340 transmits the received card approval information to the affiliated store sales system 310 (step S330).

Subsequently, the affiliated store sales system 310 confirms the card approval information and transmits a payment completion confirmation signal to the relay system 340 informing that the payment is completed (step S332). For example, the merchant sales system 310 generates the payment completion confirmation signal only when the serial number of the issued billing statement and the serial number included in the card approval information are identical.

Subsequently, the relay system 340 transmits the received payment completion confirmation signal to the card company approval server 330 (step S334).

On the other hand, the card company approval server transmits the card approval information of the card to the user terminal, the user terminal transmits the card approval information to the relay authority system. The relay system transmits the card approval information transmitted from the user terminal to the merchant sales system, and the merchant sales system checks the serial number included in the card approval information and the serial number of the issued billing statement to check the payment completion. The signal is transmitted to the card approval server via the relay system. Accordingly, the user does not have to provide his or her own credit card for payment, thereby preventing the risk of loss or duplication of the credit card.

Fourth Embodiment

6 is a configuration diagram illustrating a payment service system according to a fourth embodiment of the present invention.

Referring to FIG. 6, the payment service system according to the fourth embodiment of the present invention includes an affiliated store sales system 410, a user terminal 420, a card approval server 430, and a relay agency system disposed at membership online / offline affiliated stores. It is configured to 440 is made of a payment service using a user terminal. In the present embodiment, the membership online / offline merchant may be a company that displays advertisements in which the QR code is written through online or cable broadcasting, over-the-air broadcasting, such as the Internet, and sells the goods through the corresponding advertisement. In addition, the membership online / offline merchant may be a company that attaches or prints and distributes the QR code to the print advertisement, and sells the goods to the buyer to access through the shooting of the QR code. In this embodiment, the relay engine system 440 is illustrated, but may also be a ticket acquisition company server system.

The merchant sales system 410 guides information about goods or services such as goods to be sold using QR codes, NFC tags or other methods (step S410). That is, the merchandise to be sold may be displayed on a television set, a computer monitor, various advertisements, etc. as texts and various advertisement texts or sales conditions, and machine-readable marks may be displayed together. The machine readable marker may be a barcode. The barcode may be a linear barcode or a two-dimensional barcode. Examples of linear barcodes are UPC symbols, EAN-13 codes, and pharmacodes. Examples of two-dimensional barcodes are data matrix, QR code and PDF417 code. Hereinafter, in the embodiment of the present invention, the barcode is shown as a QR code as a UPC symbol. Meanwhile, information on goods or services to be sold may be attached in the form of NFC tags to various offline advertisements. The user can make a purchase payment by checking the information on the goods or services by bringing the user terminal possessed close to the NFC tag.

The user terminal 420 acquires information through the recognition of the goods information displayed by the QR code, the NFC tag or the like (step S412). If a QR code is displayed on a television receiver, a computer monitor, or various advertisements, the user terminal may obtain the goods information by decoding the QR code. For example, the goods information may be converted into the following xml data format to be displayed on the display window of the user terminal 420.

That is, the user terminal 420 captures the goods information encoded by the QR code, and acquires goods information such as a merchant name, a product name, a product serial number, a price, a link to additional information, and displays them on the display window.

Subsequently, the user requests the affiliated store sales system 410 to purchase goods with the member information through the user terminal 420 (step S414). Here, if the user is not registered, proceed to the next step after the registration process.

Subsequently, after confirming the member, the affiliated store sales system 410 transmits the quantity for the purchase, the delivery address information, the customer information, the affiliated store information, and the serial number of the billing statement to the user terminal 420 (step S416).

Subsequently, the user requests the holding card information by transmitting personal identification information (PII) and the like to the card approval server 430 through the user terminal 420 to proceed with the payment (step S418).

Subsequently, the card approval server 430 checks the personal identification information transmitted from the user terminal 420 and transmits the user's holding card information to the user terminal 420 (step S420).

Subsequently, the user terminal 420 displays the holding card information transmitted from the card approval server 430 through the display window. The user selects a card to be used for payment from the holding card information displayed. Accordingly, the user terminal 420 requests or confirms the user's input of the user's information such as an authorized certificate or card information, for example, a card password or a CVC (step S422).

Subsequently, the user requests to pay the bill to the card approval server 430 through the user terminal 420 (step S424). At this time, when requesting payment of the billed amount, the user terminal 420 transmits information such as merchant information and serial number of the billing statement.

Subsequently, the card company approval server 430 transmits the card approval information to the user terminal 420 through the customer information confirmation and the card approval procedure, for example, the limit confirmation (step S426).

Subsequently, the card approval server 430 transmits the card approval information to the relay authority system 440 (step S428).

Subsequently, the relay system 440 transmits the received card approval information to the affiliated store sales system 410 (step S430).

Subsequently, the affiliate store sales system 410 confirms the card approval information and transmits a payment completion confirmation signal to the relay system 440 informing that the payment is completed (step S432). For example, the merchant sales system 410 generates the payment completion confirmation signal only when the serial number of the issued billing statement and the serial number included in the card approval information are identical.

Subsequently, the relay system 440 transmits the payment completion confirmation signal transmitted from the affiliate store sales system 410 to the card approval server 430 (step S434).

As described above, according to the present embodiment, a user downloads and installs an application program for implementing a service according to the present invention through his or her user terminal, for example, a smartphone, and pays through an installed application program. Perform For example, a user who wants to purchase a product through home shopping starts up an installed application program, photographs a QR code corresponding to the product to be displayed through a television receiver, acquires goods information, and then purchases the product. The payment operation is performed by requesting the payment of the amount to the card approval server.

Fifth Embodiment

7 is a configuration diagram illustrating a payment service system according to a fifth embodiment of the present invention.

Referring to FIG. 7, the payment service system according to the fifth embodiment of the present invention includes a merchant sales system 510, a user terminal 520, and a card approval server 530 arranged at a membership online / offline affiliate store. Payment service using the terminal is made.

First, the affiliated store sales system 510 guides information on goods or services such as goods to be sold using QR codes, NFC tags, or other methods (step S510).

Subsequently, the user terminal 520 acquires the information through the recognition of the goods information displayed by the QR code, the NFC tag or the like (step S512).

Subsequently, the user requests the purchase of the goods together with the member information through the user terminal 520 (step S514). Here, if the user is not registered, proceed to the next step after the registration process.

Subsequently, after confirming the member, the affiliated store sales system 510 transmits the quantity, the delivery address information, the customer information, the affiliated store information, and the serial number of the billing statement to the user terminal 520 (step S516).

Subsequently, the user requests the holding card information by transmitting personal identification information (PII) or the like to the card approval server 530 through the user terminal 520 to proceed with the payment (step S518).

Subsequently, the card approval server 530 checks personal identification information transmitted from the user terminal 520 and transmits the user's retention card information to the user terminal 520 (step S520).

The user terminal 520 displays the holding card information transmitted from the card approval server 530 through a display window, and the user selects a card to be used for payment from the displayed holding card information. Accordingly, the user terminal 520 requests or confirms the user's input of the user's information such as an authentication certificate or card information, for example, a card password or a CVC (step S522). If a user's holding card exists, the step of selecting one of the plurality of holding cards may be omitted, and only the procedure of paying the accredited certificate or paying the card is performed by selecting only one displayed card. Will be done.

Subsequently, the user requests the card approval server 430 to pay the bill through the user terminal 520 (step S524). In this case, upon request for payment of the bill amount, the information transmitted from the user terminal 420 to the card approval server 530 may include affiliate store information and serial number of the billing statement.

Subsequently, the card company approval server 530 transmits the card approval information to the user terminal 420 through the customer information confirmation and the card approval procedure, for example, the limit confirmation (step S526).

Subsequently, the card approval information is transmitted to the affiliated store sales system 510 (step S528).

Subsequently, the merchant sales system 510 checks the card approval information and transmits a payment completion confirmation signal to the card approval server 530 informing that the payment is completed (step S530). For example, the merchant sales system 510 generates the payment completion confirmation signal only when the serial number of the issued billing statement and the serial number included in the card approval information are identical.

On the other hand, the card company approval server sends the card approval information of the card directly to the merchant sales system, the merchant sales system checks the serial number included in the card approval information and the serial number of the issued billing statement to complete the payment. The acknowledgment signal is sent directly to the card approval server. Accordingly, the user does not have to provide his or her own credit card for payment, thereby preventing the risk of loss or duplication of the credit card.

Sixth embodiment

8 is a configuration diagram illustrating a payment service system according to a sixth embodiment of the present invention.

Referring to FIG. 8, the payment service system according to the sixth embodiment of the present invention includes a merchant sales system 610, a user terminal 620, a card company approval server 630, and a relay system 640. Payment service is made using. In this embodiment, the user terminal 120 may be a mobile device, such as a personal digital assistant (PDA), a mobile phone, a smartphone with call and Internet capabilities, and other similar computing devices. In this embodiment, the relay engine system 640 is illustrated, but may also be a ticket acquisition company server system.

First, in the membership online / offline affiliated store sales system (hereinafter referred to as the affiliated store) using the QR code, NFC tag or other methods such as information about goods or services such as goods to guide (step S610).

Subsequently, the user who wants to purchase the guided goods is acquired using the user terminal 620 by recognizing the goods information displayed by QR code, NFC tag or other method (step S612).

Subsequently, the user requests the affiliated store sales system 610 to purchase the goods together with the member information through the user terminal 620 (step S614). Here, if the user is not registered, proceed to the next step after the registration process.

Subsequently, after confirming the member, the affiliated store sales system 610 transmits the quantity for the purchase, the delivery address information, the customer information, the affiliated store information, and the serial number of the billing statement to the user terminal 620 (step S616).

Subsequently, the user terminal 620 transmits personal identification information (PII) or the like to the card approval server 630 to request payment card information in order to proceed with the payment (step S618).

Subsequently, the card approval server 630 checks personal identification information and the like and transmits the user's retention card information (step S620). Here, if the user's holding card is one, one holding card information will be transmitted, and if the user's holding card is plural, the plurality of holding card information will be transmitted.

Subsequently, the user selects a card to be used for payment from the received holding card information and inputs or confirms user information such as an authorized certificate or card information, for example, a card password or a CVC (step S622).

Subsequently, the user requests to pay the bill to the card approval server 630 through the user terminal 620 (step S624). In this case, upon request for payment of the bill amount, the information transmitted from the user terminal 620 to the card approval server 630 may include affiliate store information and serial number of the billing statement.

Subsequently, the card company approval server 630 transmits the card approval information to the user terminal 620 through the customer information confirmation and the card approval procedure (check the limit, etc.) (step S626).

Subsequently, the user terminal 620 transmits the received card approval information to the relay engine system 640 (step S628).

Subsequently, the relay system 640 transmits the received card approval information to the affiliated store sales system 610 (step S630).

Subsequently, the merchant sales system 610 confirms the card approval information and transmits a payment completion confirmation signal to the relay system 640 informing that the payment is completed (step S632). For example, the merchant sales system 610 generates the payment completion confirmation signal only when the serial number of the issued billing statement and the serial number included in the card approval information are identical.

Subsequently, the relay system 640 transmits the received payment completion confirmation signal to the card approval server 630 (step S634).

Although described above with reference to the embodiments, those skilled in the art will understand that the present invention can be variously modified and changed within the scope without departing from the spirit and scope of the invention described in the claims below. Could be.

As described above, according to the present invention, because the customer pays the credit card to the merchant, and the customer pays itself to the merchant through a user terminal, such as a user's smart phone, the credit card number or this Corresponding sign information is not stored in the merchant sales system of the merchant, thereby preventing the problem of unauthorized use of the credit card without the user's permission, and solving the security problem that may be caused by the duplication of the credit card. .

In addition, a user who purchases a product does not have to present his or her own credit card, does not have to provide phone number data, and does not have to provide a social security number, thereby preventing adverse effects due to leakage of personal information.

In addition, since receipt output for obtaining a credit card signature is unnecessary, paper and ink use can be suppressed. In addition, since issuance of a credit card is unnecessary, human and material costs required for issuing and delivering a card can be reduced.

110, 210, 310, 410: Merchant Sales System
120, 220, 320, 420: User terminal
130, 230, 330, 430: card approval server
140, 340, 440: relay agency system or ticket purchase company server system
310: communication unit 320: system control unit
330: management unit 340: storage unit
350: unmanned automated detection unit

Claims

Receiving card approval information generated in response to a request for payment of a user's card payment from a card approval server or a user terminal;
Transmitting the card approval information to an affiliated store sales system;
Receiving a payment completion confirmation signal corresponding to the card approval information from the affiliated store sales system; And
And transmitting the payment completion confirmation signal to the card approval server.

The payment service confirmation method of claim 1, wherein the payment completion confirmation signal is generated by checking an identity between a serial number of a billing statement output from the merchant sales system and a serial number included in the card approval information.

The payment service method of claim 1, wherein the card approval information is generated by a customer information verification and a card approval procedure by the card approval server.

The method of claim 1, wherein the request for payment of a charge according to the user's card payment is made.
Obtaining billing information from the billing statement output from the merchant sales system;
Transmitting user's personal identification information to the card approval server and requesting the user's holding card information;
Receiving holding card information of a user corresponding to the personal identification information;
Receiving a user information including card information or confirmation of an authorized certificate, as a card to be used for payment is selected from the received holding card information; And
Requesting the payment of the charge to the credit card authorization server.

The method of claim 4, wherein the billing information is obtained from a QR code printed on the billing statement, and the obtained billing information is converted into an xml data format to be displayed on a user terminal.

The method of claim 1, wherein the merchant sales system is arranged in a membership online / offline merchant,
The billing request for payment of the user's card,
Obtaining goods information from goods guided by the affiliated store;
Requesting the purchase of goods to the affiliated store sales system;
Receiving a serial number of the quantity, shipping information, customer information, merchant information and billing statement for the purchase of goods from the merchant sales system;
Transmitting user's personal identification information to the card approval server and requesting the user's holding card information;
Receiving holding card information of a user corresponding to the personal identification information from the card approval server;
Receiving a user information including card information or confirmation of an authorized certificate, as a card to be used for payment is selected from the received holding card information; And
And transmitting the membership online / offline merchant information and the serial number of the billing statement to the card approval server and requesting payment of the billed amount.

The payment service method of claim 6, wherein the goods information is obtained from a QR code displayed on the goods, and the acquired goods information is converted into an xml data format to be displayed on a user terminal.

The method of claim 1, wherein the request for payment of a charge according to the user's card payment is made.
Acquiring goods information from a product guided by a membership online / offline merchant;
Requesting a purchase of goods to an affiliated store sales system arranged at the membership online / offline affiliated store;
Receiving a serial number of the quantity, shipping information, customer information, merchant information and billing statement for the purchase of goods from the merchant sales system;
Transmitting user's personal identification information to the card approval server and requesting the user's holding card information;
Receiving holding card information of a user corresponding to the personal identification information from the card approval server;
Receiving a user information including card information or confirmation of an authorized certificate, as a card to be used for payment is selected from the received holding card information; And
And transmitting the merchant information and the serial number of the billing statement to the card approval server.

The payment service confirmation method of claim 8, wherein the payment completion confirmation signal is generated by checking an identity between a serial number of a billing statement output from the merchant sales system and a serial number included in the card approval information.

Obtaining billing information from the billing statement output from the merchant sales system;
Requesting the user's holding card information by transmitting the user's personal identification information to the card approval server;
Receiving holding card information of a user corresponding to the personal identification information;
Receiving a user information including card information or confirmation of an authorized certificate, as a card to be used for payment is selected from the received holding card information;
Requesting payment of the charge amount to the card approval server; And
Receiving card approval information from the card approval server, wherein the card approval information is transmitted to the affiliated store sales system by the card approval server,
The payment completion confirmation signal is generated in the affiliated store sales system based on the card approval information and the payment service method characterized in that transmitted to the card company approval server.

The payment service method of claim 10, wherein the billing information is obtained by photographing a QR code printed on the billing statement, and the obtained billing information is converted into an xml data format to be displayed on a user terminal.

Acquiring goods information from a product guided by a membership online / offline merchant;
Requesting a purchase of goods to an affiliated store sales system arranged at the membership online / offline affiliated store;
Receiving a serial number of the quantity, shipping information, customer information, merchant information and billing statement for the purchase of goods from the merchant sales system;
Requesting the user's holding card information by transmitting the user's personal identification information to the card approval server;
Receiving holding card information of a user corresponding to the personal identification information from the card approval server;
Receiving a user information including card information or confirmation of an authorized certificate, as a card to be used for payment is selected from the received holding card information;
Requesting payment of a bill by transmitting merchant information and a serial number of a billing statement to the card approval server; And
Receiving the card approval information generated through the customer information confirmation and card approval procedure from the card company approval server, wherein the card approval information is transmitted to the affiliated store sales system by the card company approval server,
The payment completion confirmation signal is generated in the affiliated store sales system based on the card approval information and the payment service method characterized in that transmitted to the card company approval server.

The payment service method of claim 12, wherein the goods information is obtained by photographing a QR code displayed on the goods, and the acquired goods information is converted into an xml data format to be displayed on a user terminal.

In response to the card payment request, the merchant sales system outputting a billing statement;
Obtaining, by a user terminal, billing information from the billing statement;
As the billing information is confirmed by the user, requesting the user's holding card information by transmitting the personal identification information of the user to the card approval server;
Transmitting, by the card approval server, the user's holding card information to the user terminal based on the personal identification information;
Performing, by the user terminal, a user verification procedure as a card to be used for payment is selected by the user among the holding card information;
Requesting, by the user terminal, payment of the charge to the card approval server;
Transmitting, by the card approval server, card approval information to the user terminal;
Transmitting, by the card approval server, the card approval information to a relay system;
Transmitting, by the relay system, the card approval information to an affiliated store sales system;
Transmitting, by the affiliated store sales system, the payment completion confirmation signal corresponding to the card approval information to the relay system; And
And transmitting, by the relay system, the payment completion confirmation signal to a card company approval server.

In response to the card payment request, the merchant sales system outputting a billing statement;
Obtaining, by a user terminal, billing information from the billing statement;
As the billing information is confirmed by the user, requesting the user's holding card information by transmitting the personal identification information of the user to the card approval server;
Transmitting, by the card approval server, the user's holding card information to the user terminal based on the personal identification information;
Performing, by the user terminal, a user verification procedure as a card to be used for payment is selected by the user among the holding card information;
Requesting, by the user terminal, payment of the charge to the card approval server;
Transmitting, by the card approval server, card approval information to the user terminal;
Transmitting, by the card approval server, the card approval information to an affiliated store sales system; And
The merchant service system comprising the step of transmitting a payment completion confirmation signal corresponding to the card approval information to the card company approval server.

In response to the card payment request, the merchant sales system outputting a billing statement;
Obtaining, by a user terminal, billing information from the billing statement;
As the billing information is confirmed by the user, requesting the user's holding card information by transmitting the personal identification information of the user to the card approval server;
Transmitting, by the card approval server, the user's holding card information to the user terminal based on the personal identification information;
Performing, by the user terminal, a user verification procedure as a card to be used for payment is selected by the user among the holding card information;
Requesting, by the user terminal, payment of the charge to the card approval server;
Transmitting, by the card approval server, card approval information to the user terminal;
Transmitting, by the user terminal, card approval information to the relay engine system;
Transmitting, by the relay system, the card approval information to the affiliated store sales system;
Transmitting, by the affiliated store sales system, a payment completion confirmation signal to the relay system in response to the card approval information; And
And transmitting, by the relay system, the payment completion confirmation signal to the card approval server.

The method of claim 14, wherein the billing information is obtained from a QR code printed on the billing statement, and the obtained billing information is converted into an xml data format to be displayed on a user terminal. Payment service method.

A communication unit connected to an affiliated store sales system and a card company approval server through a communication channel; And
Receive card approval information transmitted from the card approval server, transmit the card approval information to the merchant sales system, receive a payment completion confirmation signal in response to the card approval information from the merchant sales system, the payment completion confirmation Payment service system including a system control unit for transmitting a signal to the card approval server.

A communication unit connected to a merchant sales system, a user terminal, and a card company approval server through a communication channel; And
Receive card approval information from the user terminal, transmit the card approval information to the merchant sales system, receive a payment completion confirmation signal in response to the card approval information from the merchant sales system, and the payment completion confirmation signal Payment service system comprising a system control unit for transmitting to the card approval server.

20. The payment service system according to any one of claims 18 and 19, wherein the affiliated store sales system is a POS terminal.

20. The card approval information according to any one of claims 18 and 19, wherein the card approval information is generated by an operation between the affiliated store sales system, a user terminal, and the card approval server.
The user terminal,
Obtaining billing information from the billing statement provided from the merchant sales system, and transmits the user's personal identification information to the card approval server to receive the user's holding card information from the card approval server, the payment card from the holding card information As the card to be used is selected by the user, a screen for requesting payment is displayed, requesting payment of the charge amount to the card approval server according to the user's confirmation, and receiving the card approval information from the card approval server. Payment service system.

22. The payment service system of claim 21, wherein a machine readable mark is printed on the billing statement.

23. The payment service system of claim 22, wherein the machine readable mark is a QR code.

The payment service system according to claim 23, wherein the QR code is decoded by the user terminal and converted into an xml data format to be displayed on a display window of the user terminal.

22. The payment service system of claim 21, wherein the billing statement is output in a short range wireless communication method.

A communication unit connected to a merchant sales system and a card company approval server arranged at a membership online / offline merchant through a communication channel; And
Receiving card approval information generated in the card approval server from the card approval server, transmitting the card approval information to the merchant sales system, receiving a payment completion confirmation signal based on card approval information from the merchant sales system, And a system controller for transmitting the payment completion confirmation signal to the card approval server.

A communication unit connected to a merchant sales system, a user terminal, and a card approval server arranged at a membership online / offline merchant through a communication channel; And
Receive card approval information generated in the card approval server from the user terminal, transmit the card approval information to the affiliated store sales system, receives a payment completion confirmation signal based on the card approval information from the affiliated store sales system, Payment service system comprising a system control unit for transmitting a payment completion confirmation signal to the card approval server.

28. The method according to any one of claims 26 and 27, wherein the card approval information is generated by an operation between the affiliated store sales system, a user terminal, and the card approval server.
The user terminal,
Obtain the goods information from the goods guided by the membership online / offline merchants, request the purchase of goods to the merchant sales system arranged in the membership online / offline merchants, the quantity, shipping information, customer information, merchant information and Receive the serial number of the billing statement from the merchant sales system, request the user's possession card information by sending the user's personal identification information to the card approval server, the user's retention corresponding to the personal identification information from the card approval server Receiving the card information, and as the card to be used for payment is selected from the received holding card information, receiving the user information including the confirmation of the certificate or the card information, and receives the serial number of the merchant information, billing statement and the card approval Send to the server to request payment of the charge, Payment service system, characterized in that for receiving the customer information check, and the card approval process through the card authorization information generated by the server from the issuer authorization server.