KR20130047126A

KR20130047126A - System and method for payment service using cart

Info

Publication number: KR20130047126A
Application number: KR1020110111960A
Authority: KR
Inventors: 양원일
Original assignee: 주식회사 스마트로
Priority date: 2011-10-31
Filing date: 2011-10-31
Publication date: 2013-05-08

Abstract

PURPOSE: A system for automated payment using a cart and a method thereof are provided to process an automated payment service such as transmitting information about goods and a credit card of a customer to a payment terminal and making a payment, thereby remarkably reducing the space needed for checkouts and costs for store management and maintenance. CONSTITUTION: If a user finds goods that the user wants to purchase while navigating a store with a cart(100), the user lets the goods to be read by a goods information reader unit and then puts the goods in a storage part(S100). A goods information managing unit calculates the payment amount while storing information about the goods(S110). The user lets a credit card for payment to be read by a card information reader unit(S120). A communication unit of the cart senses reception of signals and transmits the payment amount and card information for payment to a payment terminal(200) using RF(S130). The payment terminal receives the payment amount and card information for payment and generates a payment message based on the received information(S140). The payment terminal transmits the payment message to a VAN server(S150), and the VAN server transmits the payment message to a server of a credit card company for requesting approval for the payment(S160). The server of the credit card company determines whether the payment is approved or not based on the received payment message(S170) and transmits a payment response signal to the VAN server(S180), and then the VAN server transmits the payment response signal to the payment terminal(S190). The payment terminal transmits the payment response signal to the cart(S200), and the cart prints a receipt through a receipt output unit when receiving the payment response signal(S210). [Reference numerals] (100) Cart; (20) Payment approval system; (200) Payment terminal; (AA) VAN server; (BB) Credit card company server; (S100) Read/receive a product; (S110) Storage product information/Calculate payment target money information; (S120) Read card information; (S130) Transmit the payment target money information/card information; (S140) Generate a payment approval statement; (S150) Payment approval statement; (S160) Payment approval request; (S170) Determine approval; (S180,S190,S200) Approval response; (S210) Print a receipt

Description

Item payment system and method using a shopping cart {SYSTEM AND METHOD FOR PAYMENT SERVICE USING CART}

The present invention relates to an item payment system, and more particularly to a system that enables a user to easily perform an item payment using a cart used by a user to store an item in a department store, a discount store, or a mart.

Conventional procedures for customers to purchase and pay for goods in stores such as hypermarkets, discount stores or department stores are as follows. That is, the customer generally stores the goods by using a cart, moves them to the checkout, and takes out the stored goods to the checkout counter. When the cashier reads the barcode attached to the goods by the barcode reader, the POS terminal connected to the barcode reader. After calculating the total amount through the output through the display unit, the customer usually pays the amount in cash or passes the credit card to the cashier, and the cashier reads the card and the payment process is generally performed.

However, this conventional payment method has a disadvantage in that it takes a lot of time since the customer has to take out the goods from the cart one by one and the cashier reads out the goods one by one by a barcode reader. As a result, customers are always waiting in line at checkout counters in large supermarkets. In addition, since a large number of checkout counters are required for such a work, a large space is required, and at least one cashier must be arranged for each checkout counter, thus the burden of labor costs is not significant.

In order to solve such a problem, a technique has been proposed to facilitate the calculation by installing an apparatus for identifying an article in a cart. Korean Laid-Open Patent Publication No. 10-2005-0009097 (published 2005.01.24) relates to a "smart cart", which discloses a cart including a reader that attaches an RF tag to an article and reads the tag on the cart. According to this, the user reads the RF tag to the reader while storing the goods in the cart to store the price information (logistic information) of the goods stored in the cart, and transmits the logistics information to the tally terminal on the cashier side. A method is disclosed. This method compares with the conventional method in that logistics information such as price information of the goods is transmitted to the tally terminal, so that customers do not have to take out the goods one by one, and therefore the cashier does not have to read the goods by the barcode reader. Although the advantages are recognized in the above, there is a limitation in that there is a time delay and the cashier is always needed because the customer has to carry out a procedure such as presenting the card to the cashier and signing it for the actual payment processing.

In this regard, it is desired to develop a method for making payment processing more quickly and efficiently by automatically processing not only the price information of the goods but also information necessary for payment such as card information.

Korean Patent Publication No. 10-2005-0009097 (published 2005.01.24)

The present invention has been made to solve the above limitations, and an object of the present invention is to provide a system and method for quickly and efficiently using a cart provided in a store such as a large mart or a discount store.

In addition, the present invention, by not only the product information but also the card information of the customer can be automatically sent to the payment terminal all at once, and the payment approval process can be made automatically, thereby significantly reducing the space occupied by the checkout counter to reduce the management and maintenance costs of the store. It is an object of the present invention to provide a system and method that can significantly reduce the cost.

In addition, the present invention is a system and method that can greatly shorten the time required for payment of goods because the payment is automatically made automatically within a few seconds by simply moving to the payment terminal installed in the store. To provide another purpose.

In addition, the present invention, the customer is automatically made payment within a few seconds by simply moving to the payment terminal installed in the store, the customer presents a card to the cashier and the cashier reads the card and requires a procedure for requesting payment approval In order to reduce the labor cost of the cashier and to provide a system and a method for easily and efficiently operating the unattended cash register, the store has another object.

In order to solve the above problems, the present invention provides a product payment system using a cart, comprising: an article information reader section for reading article information from an identification mark attached to the article, and article information read by the article information reader section A goods information management unit that stores and manages and calculates payment target amount information to be paid by the user, a card information reader unit which reads card information necessary for payment of goods from the user's payment card, and the payment target amount information and A cart including a communication unit for transmitting card information necessary for payment of the goods to a payment terminal, and storing a product read by the goods information reader by a user; And a payment terminal configured to receive payment target amount information and card information from the communication unit of the cart to generate a payment approval message, and the payment terminal transmits the generated payment approval message to a payment approval system. It provides a goods payment system using a cart, characterized in that for receiving a payment approval signal from.

Here, the cart may be configured to further include a display unit for displaying the goods information stored in the goods information management unit.

In addition, the display unit may be configured to include a touch screen capable of processing a user's touch input.

In addition, the identification mark of the article may be a barcode or an RFID tag.

In addition, the article information may be configured to include price information of the article and identification information of the article.

The card information reader may include a groove formed to insert a card for payment of a user's goods, and may be configured to read card information when a card for payment of a goods of a user is inserted in the groove.

In addition, the user payment card may be a credit card having an IC chip that stores the user's credit card information.

Also, the card information reader may be configured to read credit card information including a credit card number and an expiration date stored in the IC chip.

In addition, the payment terminal, the communication unit for receiving the payment target amount information and card information from the communication unit of the cart; And a payment approval message generation unit for generating a payment approval message based on the payment target amount information and the card information received by the communication unit.

In addition, the payment terminal may transmit the received payment approval signal to the cart, the cart may include a receipt output unit for outputting a payment receipt based on the received payment approval signal.

In addition, the card information reader may be configured to display information associated with the read card through the display.

According to another aspect of the present invention, in the method of making a payment in an article payment system as described above, the article information is read from an identification mark attached to the article by the cart, and the user is based on the read article information. A first step of calculating payment target amount information to be paid; A second step of reading card information necessary for payment of goods from the user's payment card by the cart; A third step of transmitting, to the cart, the payment target amount information and the card information necessary for payment of the goods to a payment terminal; A fourth step of the payment terminal receiving payment target amount information and card information received from the cart to generate a payment approval message; And a fifth step in which the payment terminal transmits the generated payment approval message to the payment approval system, and receives a payment approval signal from the payment approval system.

Here, the cart may be configured to display the article information through a display unit.

In addition, in the second step, the cart may be configured to read card information when the card for payment of the goods of the user is inserted into the card information reader including a groove formed to insert the card for payment of the goods of the user. .

Further, after the fifth step, the payment terminal transmits the received payment approval signal to the cart; And outputting a payment receipt through the receipt output unit based on the received payment approval signal.

Also, the cart may further include displaying information associated with the read card through a display unit.

According to the present invention, it is possible to provide a system and a method for making a payment quickly and efficiently by using a cart provided in a store such as a large mart or a discount store.

Particularly, according to the present invention, not only the product information but also the card information of the customer can be automatically transmitted to the payment terminal at once, and the payment approval process can be made automatically, thereby greatly reducing the space occupied by the checkout counter, thereby managing and maintaining the store. Can significantly reduce.

In addition, according to the present invention, since the payment is automatically made within a few seconds by simply moving to the payment terminal installed in the store, the time required for payment of goods can be greatly reduced, thereby improving the convenience of the customer. have.

In addition, according to the present invention, the customer is automatically made payment within a few seconds by simply moving to the payment terminal installed in the store, the customer presents the card to the cashier and the cashier reads the card to request the payment approval Since it is not necessary, the store can reduce the labor cost of the cashier and operate the unmanned cash register easily and efficiently.

1 is a view showing the overall configuration of a goods payment system using a cart according to an embodiment of the present invention.
2 is a view showing the configuration of a cart 100 according to an embodiment of the present invention.
3 is a diagram illustrating an example of a screen displayed on the display 140.
4 is a view showing the appearance of the cart 100 according to an embodiment of the present invention.
FIG. 5 is another view illustrating the appearance of the integrated apparatus 1000 described with reference to FIG. 4.
6 is a diagram illustrating an internal configuration of the payment terminal 200.
7 is a flowchart illustrating a method of paying an item using the item payment system 10 using the cart 100 according to an embodiment of the present invention described with reference to FIGS. 1 to 6.

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

1 is a view showing the overall configuration of a goods payment system using a cart according to an embodiment of the present invention.

Referring to FIG. 1, an article payment system 10 using a cart according to the present embodiment includes a cart 100 and a payment terminal 200. The payment terminal 200 is connected to an external payment approval system 20 through, for example, a van network.

The payment approval system 20 includes, for example, a financial institution server such as a van server and a credit card company server, and receives a payment approval specialty signal transmitted from the payment terminal 200, determines whether the payment is approved, and pays the result. Transmit to the terminal 200 side.

The payment terminal 200 is placed in a certain area within the store to receive the payment target amount information and card information transmitted from the cart 100 to generate a payment approval full text and transmit it to the payment approval system 20 side, the payment approval It receives the acknowledgment signal from the system 20 side and transmits it back to the cart 100 side. The configuration of the payment terminal 200 will be described with reference to FIG. 6.

The cart 100 has an accommodating part 170 (see FIG. 4) for storing the goods by the user and is provided with wheels 190 (see FIG. 4) and a handle 180 (see FIG. 4) to be pushed by the user. It refers to a conventional cart known in the prior art to move the store while going, this embodiment further includes a configuration as shown in Figure 2, in addition to the function of this general cart.

2 is a view showing the configuration of a cart 100 according to an embodiment of the present invention.

Referring to FIG. 2, the cart 100 according to the present embodiment includes an article information reader 110, an article information manager 120, a card information reader 130, a display 140, and a receipt output unit 150. ) And the communication unit 160.

The article information reader 110 performs a function of reading article information from an identification mark attached to the article. Here, the identification mark attached to the article may be a barcode, for example, the article information reader 110 may be a barcode reader. Alternatively, the identification mark may be an RFID tag, in which case the article information reader 110 may be an RFID tag reader. Bar code reader or RFID tag reader is known by the prior art and the present invention can be used as it is known by the prior art as such a detailed description thereof will be omitted. When the user moves the store while pushing the cart 100 and finds an item to be purchased, the user contacts the item information reader 110 before storing the item in the storing unit 170 (see FIG. 4) of the cart 100. The article information and store the article.

Meanwhile, the article information read by the article information reader 110 includes price information of the article. In addition, it may further include identification information of the article, which is given to identify the article, such as the name, capacity, etc. of the article (see FIG. 3).

The article information management unit 120 stores and manages the article information read by the article information reader 110 and performs a function of calculating payment target amount information to be paid by the user. As described above, the article information reader 110 reads the article information by the identification mark of the article housed by the user in the cart 100. The article information read therein includes price information of the article and identification information of the article. And store and manage the price information and the identification information of the article in the article information management unit 120, and store the article in the cart 100 based on the price information of the article (exactly, the article information reader section) The total sum of prices for the items) read in 110) is calculated, and the payment target amount information to be paid by the user is calculated therefrom. In most cases, the payment target amount information is the same as the sum of the price information of the goods, but the event-based discounted price is applied by the user's card information read by the card information reader 130 as described later (for example, If you use AA card, you can get 5,000 won discount when you use more than 100,000 won). As will be described later, the article information management unit 120 may transmit the article information and the payment target amount information to the display unit 140 so as to be visually recognized by the user.

The card information reader 130 performs a function of reading card information necessary for payment of goods from a card for payment of goods by a user. Here, the card for payment of a user's goods refers to a card that performs a function as a conventionally used payment means such as a credit card check card, debit card and the like. In the present invention, the card for payment of goods is preferably a credit card storing card information in an IC chip. The card information reader 130 preferably includes a groove formed so as to insert a card for payment of a user's goods, and the card information reader unit 130 reads the card information only when the user inserts a card for payment for the goods (Fig. 5). Reference).

For example, if the payment card is an IC chip type credit card, it would be desirable for the security of the transaction to read the card information only when the user is completely inserted into the home. To this end, when the card is completely inserted, a corresponding guide word may be displayed on the display unit 140.

The card information reader unit 130 reads a card for payment of a user's goods and reads card information necessary for payment from the card. For example, if the card is a credit card in the form of an IC chip, the IC chip has a credit card number, an expiration date, and a CVC. Information such as a code, a user's name, etc. may be included and the card information reader 130 reads all or part of the above information from the IC chip. At this time, the type of information to be read is information required to perform the card payment, which may be different depending on the configuration of the actual card payment approval system or payment terminal. When the card is a credit card in the form of an IC chip, a technique for reading information from such an IC chip credit card is widely known by the prior art, and the present invention can use this conventional technology as it is, and the present invention provides a card information reader. Since the construction of the unit 130 itself is not intended to be a direct purpose, detailed description thereof will be omitted. On the other hand, if the card for the user's goods payment is generally used magnetic card card information reader 130 that can read card information from the magnetic card may be formed of a magnetic reader. Since this is also well known by the prior art, the detailed description is omitted.

The user may read the payment card in advance in the card information reader 130 or may read the payment card in the card information reader 130 in the step of finally performing the payment after the shopping is completed.

When the payment card is read by the card information reader unit 130, the display unit 140 reads the event information related to the card, for example, when there is an event that discounts 5,000 won when the AA card is used for 100,000 won or more. In this case, the display 140 may indicate that the corresponding event exists. To this end, the cart 100 may have a function of storing event information in advance and confirming when the card is read.

On the other hand, the display unit 140 performs the function of displaying the goods information and price information stored in the goods information management unit 120 as described above, for example, a touch screen that can process the user's touch input (touch screen) It may be configured to further include an input means in the form of). That is, the display 140 preferably performs not only an output function but also a function capable of processing a user's input.

3 is a diagram illustrating an example of a screen displayed on the display 140.

Referring to FIG. 3, identification information and price information of articles of articles (the article read by the article information reader 110) stored in the cart 100 by the user are displayed on the left screen of the display 140. It can be seen. The total amount is displayed at the bottom of the left screen. The upper area 141 of the right screen is an area capable of performing an advertisement function for advertising an item. The card-related event information as described above can be displayed in this advertising area. At the bottom of the right screen, a payment button 142 and a purchase cancel button 143 are provided. When the user touches the payment button 142 by hand, the user may operate to start the payment processing for the total amount of money on the left side, at which time the user's payment card information may be read. In this case, a guide phrase such as “insert a card” may be displayed on the display 140. When the user inserts the card, it displays a guide phrase "Card has been inserted" and performs payment processing using the card through the payment terminal 200 as described below. When the user presses the payment button 142, the shopping is completed and the user moves to the area where the payment terminal 200 is disposed. On the other hand, the purchase cancel button 143 may be used when the user does not want to purchase the stored items. When the cancel button 143 is pressed, the display unit 140 reads "cancel item to be read by the reader." Is displayed and the user reads the article to be canceled by the article information reader 110. In this case, the article information reader 110 transmits the read article information to the article information management unit 120, and the article information management unit 120 deletes the corresponding article information.

The display unit 140 may be disposed near the handle of the cart 100 so that the user can visually check the cart 100 while pushing the cart 100 (see FIG. 4). In addition, the display unit 140 may be integrally formed with the article information reader 110, the article information manager 120, the card information reader 130, and the receipt output unit 150 as shown in FIG. 2. (See FIGS. 4 and 5).

Referring to FIG. 2 again, the receipt output unit 150 will be described. The receipt output unit 150 performs a function of outputting a payment receipt when payment is normally approved by the user's payment card. The payment receipt may be, for example, a credit card slip. To this end, the receipt output unit 150 includes an accommodating unit for accommodating a receipt to be output and a function for performing an output function. Since the receipt output unit 150 is also self-explanatory in the related art, a detailed description thereof will be omitted. . The receipt output unit 150 may also be integrally formed with the above-described components together with the display unit 140.

Next, the communication unit 160 will be described. The communication unit 160 transmits the payment target amount information stored in the article information management unit 120 and the card information necessary for payment of the article read by the card information reader 130 to the payment terminal 200 to be described later. Perform the function. Here, the data transmission and reception between the cart 100 and the payment terminal 200 is preferably made by a wireless communication method. Here, the wireless communication method may be a method such as an RF method, an infrared communication method, a Bluetooth method, an NFC method, and the like, which are generally known. Meanwhile, the payment terminal 200 also includes a communication unit 210 (see FIG. 6) capable of performing data transmission / reception with the communication unit 150. Among these communication units 160 and 210, a payment target is preferably performed by an RF method. Amount information and card information are transmitted and received.

In case of the RF method, the communication unit 210 of the payment terminal 200 may include an antenna, and when the cart 100 is recognized by the payment terminal 200, the antenna transmits an information request signal to the communication unit 160. In response, the communication unit 160 of the cart 100 may transmit the payment target amount information and the card information to the payment terminal 200 by the RF method. As described below, the payment terminal 200 receives payment target amount information and card information, transmits a payment approval message to the payment approval system 20, and receives a payment approval signal from the payment approval system 20. By transmitting the payment approval signal to the communication unit 160 of the cart 100 through the antenna of the) so that the receipt can be output from the receipt output unit 150 as described above. As described above, the wireless communication between the cart 100 and the payment terminal 200 may use an RF method or an infrared communication method. Such a technique may be applied to a conventional technology (eg, a high-pass system of a highway and a parking management system of a parking lot). It is well known by the present invention and the present invention does not have such a communication method as a direct object, and thus detailed description thereof will be omitted. Of course, other conventionally known methods may also be used as the wireless communication method. In addition, a wired communication method other than a wireless communication method, for example, the communication unit 160 of the cart 100 and the communication unit 210 of the payment terminal 200 is connected by a wired cable or the communication unit 210 of the payment terminal 200 is a reader. It can also be implemented in the form and the data can be transmitted and received in a manner to contact the communication unit 160 of the cart 100.

On the other hand, Figure 2 is shown only the configuration of the cart 100 related to the present invention, it should be noted that the general configuration (for example, storage unit, handle, wheel, etc.) is omitted. Exemplary shapes thereof are shown in FIG. 4. In addition, it should be noted that general configurations such as a control unit for controlling the components shown in FIG. 2 and a power supply unit for supplying power to these components are also omitted.

4 is a view schematically showing the appearance of the cart 100 according to an embodiment of the present invention.

Referring to Figure 4, the cart 100 according to an embodiment of the present invention is basically similar to the shape of a conventional cart known in the prior art and the handle 170 and the user can hold the handle to push the handle It is provided with a wheel unit 190 to move the unit 180 and the cart 100. That is, the configuration described in FIG. 2, that is, a configuration such as the article information reader 110, the article information manager 120, the cart information reader 130, the display 140, the receipt output unit 150, and the communication unit 160. Is configured as an integrated device 1000 and is attached to the center of the handle portion 180 of the cart 100. At this time, the display unit 140 preferably faces the front of the user so that the user can check with the eyes. In addition, the integrated device 1000 may be disposed slightly inclined for the convenience of visual recognition and manipulation of the user.

FIG. 5 is another view illustrating the appearance of the integrated apparatus 1000 described with reference to FIG. 4.

Referring to FIG. 5, it can be seen that the display unit 140 is disposed on the surface of the device, and the article information reader 110 is disposed on the upper right side of the surface to allow the user to read the article information. Further, a card information reader 130 is arranged on the left side of the lower side of the apparatus. As described above, the card information reader 130 may be formed in a groove shape and configured to allow a user to insert a payment card. The receipt output unit 150 is disposed on the right side of the lower side of the device. An operation button or the like necessary for other operations of the device may be disposed at the lower right portion of the surface of the device. The other components described with reference to FIG. 2, that is, the article information management unit 120 and the communication unit 160 are disposed inside the apparatus.

Next, a configuration of the payment terminal 200 will be described with reference to FIG. 6.

FIG. 6 is a diagram illustrating an internal configuration of the payment terminal 200. Referring to FIG. 6, the payment terminal 200 includes a communication unit 210 and a payment approval full text generation unit 220.

As described above, the communication unit 210 performs a function of receiving payment target amount information and card information by the communication unit 160 of the cart 100, for example, by an RF method. As described above, the communication unit 210 may include an antenna when performing wireless communication in an RF manner, and when the antenna transmits an information request signal to the communication unit 160 of the cart 100, the communication unit 160 of the cart 100 may be used. ) May transmit the payment target amount information and the card information to the antenna by the RF method. The communication unit 210 transmits the received payment target amount information and the card information to the payment approval professional generation unit 220.

The payment approval full text generation unit 220 generates a payment approval full text based on the payment target amount information and the card information received from the communication unit 210 and transmits the text to the payment approval system 20. For example, if the user's payment card is a credit card, the payment authorization is a credit card payment authorization. The credit card payment authorization text may include information such as credit card number, expiration date, payment amount, merchant information, date, etc., and their specific configuration may be different in some cases. The detailed configuration of the credit card payment approval full text can also be used as it is known by the prior art as a detailed description thereof will be omitted.

The payment approval message generated by the payment approval message generator 220 is transmitted to the payment approval system 20, where the payment approval system 20 may include, for example, a VAN server and a credit card company server. For example, in the case of a credit card payment approval message, the payment approval message is transmitted to the VAN server, and the VAN server receives the message and requests the payment approval from the credit card company server. The credit card company server determines the approval based on the full text and transmits an approval response signal to the VAN server, and the VAN server transmits the received approval response signal to the payment terminal 200. If the approval response signal is the approval signal, the payment terminal 200 transmits the information to the cart 100 as described above, and displays the guide phrase "approval is completed" through the display unit 140 in the cart 100. The receipt output unit 150 will output a receipt (credit card slip). If the approval response signal is an approval rejection signal, this is also transmitted to the cart 100 through the VAN server and the payment terminal 200, and the display unit 140 of the cart 100 is "approved denied". You can output

On the other hand, the payment terminal 200 is disposed in a predetermined area of the store when the user moves the cart 100 to come near the payment terminal 200 disposed in the predetermined area as described in Figure 3 payment button 142 ), The payment process can be started. The present invention is to provide a convenience to make payment automatically when the user passes by pushing the cart 100 in the area where the payment terminal 200 is disposed without using the cart 100 to calculate the goods one by one. In this case, it is preferable that the user recognizes that the payment terminal 200 is arranged in a predetermined area of the store and starts the payment process when the user moves to this area and selects the payment button 142.

In addition, since the payment terminal 200 must transmit the payment approval message to the payment approval system 20 side and wait for a response, as described above, the payment terminal 200 may guide the user to wait for the minimum time required for this. Alternatively, set the area in which the payment terminal 200 is disposed as a section having a predetermined length, install the payment terminal 200 at the entrance of the section, and start the payment processing as described above when the user arrives at the entrance. It is preferable to set the section so that a payment response signal can be received when it is near the exit of the section.

Meanwhile, the payment terminal 200 may further include a general configuration such as a control unit, a power supply unit, a display unit, and an interface for communication with a payment approval system in addition to the configuration as shown in FIG. 6, but these are obvious by the prior art. It should be noted that detailed description is omitted since it is not directly related to the present invention.

7 is a flowchart illustrating a method of paying an item using the item payment system 10 using the cart 100 according to an embodiment of the present invention described with reference to FIGS. 1 to 6.

First, when a user moves a cart 100 within a store and finds an item to be purchased, the user stores the item in the cart 100 and reads it in the item information reader 110 and stores the item in the storage unit 170. (S100). At the same time, the article reader unit 110 reads the article information of the article from the identification mark and transmits it to the article information management unit 120, and the article information management unit 120 calculates payment target amount information while storing the article information ( S110). For convenience of description, the steps S100 and S110 are shown as separate steps, but they are made at about the same time.

Repeating this process, when the user finishes purchasing the goods, the payment terminal 200 is moved to the area where the payment terminal 200 is installed in the store to perform the payment processing. The card information reader 130 reads the data (S120). At this time, in order to start the payment process, as described above, by touching the payment button 142 of the display unit 140, a guide phrase such as “insert a card” is displayed on the display unit 140. Accordingly, the user may insert the card into the card information reader 130. When the card is inserted, the card information reader unit 130 reads card information from the inserted card.

In the preferred embodiment of the present invention, it is preferable to insert the card as shown in Fig. 5, but in the case of a card incorporating an IC chip, it is of course also possible to read card information in a contact manner. On the other hand, the reading of the card information (S120) does not necessarily need to be performed after the steps (S100, S110) and may be made independently of the steps (S100, S110). For example, when carts are placed in an unused state in a store, when the carts are arranged in a line, and they are connected to each other with a lock and a coin is inserted, the lock is released. In one case, the card information can be read while the lock is released. Of course, the card insertion can be unlocked and the reading of the actual card information can be made only when the user presses, for example, the payment button.

As described above, according to the preferred embodiment of the present invention, data communication between the cart 100 and the payment terminal 200 may be performed by a wireless communication method using, for example, an RF method, which may be implemented as described above. That is, when the user approaches the cart 100 toward the payment terminal 200, the antenna included in the communication unit 210 provided on the payment terminal 200 detects the approach of the cart 100 and informs the cart 100. The communication unit 160 of the cart 100 transmits a signal for requesting transmission and detects the reception of the signal and transmits payment target amount information and card information to the payment terminal 200 in an RF manner (S130). At this time, the payment target amount information is received from the article information management unit 120 and the card information is the information read from the card information reader unit 130. Here, as described above, the card information is information required for payment approval processing on the payment approval system 20 side, for example, information required for generating a credit card payment full text, for example, a credit card number, an expiration date, CVC code and the like.

When the payment target amount information and the card information are received, the payment terminal 200 generates a payment approval full text based on this (S140), and transmits it to the payment approval system 20. If the user's payment card is a credit card, the payment approval system 20 may be configured as a van server and a credit card company server as described above, and in this case, the payment terminal 200 may be a server that has completed payment approval. In step S150, the van server requests payment approval by transmitting it to the credit card company server (S160). The credit card company server determines the approval based on the received payment approval full text (S170), and transmits the approval response signal to the van server (S180), the van server transmits it to the payment terminal 200 again (S190). .

When the approval response signal is an approval signal for approving the payment, the payment terminal 200 transmits the approval response signal to the cart 100 (S200), and the cart 100 receives the receipt output unit 150 when the approval response signal is received. The receipt is to be output (S210). Along with this, the cart 100 may display a guide word that payment is completed through the display unit 140.

Of course, when the approval response signal is a signal for rejecting the payment, the payment terminal 200 transmits the approval rejection signal to the cart 100 and the cart 100 displays the guide word that the approval was rejected through the display unit 140. To be recognized by the user.

After this process, the user has completed the payment, and thus, the payment terminal 200 is pushed out of the place where the payment terminal 200 is located by pushing the cart 100. Therefore, the payment process is easily performed without taking out the goods stored in the cart 100 one by one. You can do it.

Meanwhile, in the exemplary embodiment described with reference to FIGS. 1 to 7, a description of a process of receiving a signature from a user is omitted, but there is a case where a signature (or an electronic signature) must be received from the user.

For example, when the electronic signature is input through a conventionally known electronic pad and the customer's electronic signature is printed on the receipt (credit card slip) together, the electronic signature is input from the customer while performing the payment approval process after reading the card. It may further include. In the conventional general case, the electronic signature is usually not included in the payment approval message, and the electronic signature is input before the payment terminal 200 generates the payment approval message and transmits it to the payment approval system 200. Since the stored image is stored in the form and the receipt is output, the stored image is deleted. Preferably, the step of receiving the electronic signature is performed between steps S120 and S130 of FIG. 7. In this case, as described above, when the user reads the card information when the user touches the payment button, when the payment button is touched and the card information is read, the guide phrase "Enter an electronic signature" is displayed on the screen of the display unit 140. It may be desirable to display a and to receive an electronic signature from the user.

In addition, in the case of signing a slip printed on paper without using an electronic signature, all the processes as shown in FIG. 7 are performed, and in step S210 of outputting a receipt, a credit card sales slip usually composed of three sheets is output. You will be able to sign it and separate the voucher for the user to keep. In this case, however, there should be a staff to receive the store voucher (usually chapter 2) from the user.

In the above, the present invention has been described with reference to preferred embodiments of the present invention, but the present invention is not limited to the above embodiments, and various modifications and changes within the scope of the present invention as grasped by the appended claims and drawings. It should be noted that modifications can be made.

For example, in the above embodiment, the case where the user's payment card is mainly a credit card has been described as an example, but the present invention is not limited thereto. For example, the present invention may be applied as it is to a payment method such as a check card or a debit card. In this case, the configuration of the payment approval system 20 and specific contents of the payment approval full text may vary.

In addition, in the above embodiment, the wireless communication method based mainly on the RF method has been described as an example. However, the wireless communication method other than this method may be performed by other conventionally known wireless communication methods such as Bluetooth and NFC. That is, the present invention can be applied to the wireless communication method itself between the cart 100 and the payment terminal 200 as it is.

In addition, the present invention can be applied to the case where the data transmission between the cart 100 and the payment terminal 200 is performed in a wired communication manner as well as a case in which the data is transmitted in a wireless communication manner. For example, the cart 100 may be located near the payment terminal 200 and may be configured to read payment target amount information and card information by contacting through a means such as a reader of the payment terminal 200. . That is, the present invention can be applied as it is, the communication method between the cart 100 and the payment terminal 200 using any of wired or wireless communication methods.

10 ... goods payment system,
20.Payment approval system,
100 ...
200 ... payment terminal,
110 ... article information reader,
120.Item Information Management Department,
130, the card information reader,
140 ...
150 ... receipt output,
160 ...
210 ...
220 ... Professional generator of payment approval.

Claims

In the goods payment system using a cart,
An article information reader section for reading article information from an identification mark attached to the article, a article information management section for storing and managing article information read at the article information reader section and calculating payment target amount information to be paid by the user; A card information reader unit for reading card information necessary for payment of goods from a card for payment of goods of a user, and a communication unit for transmitting the payment target amount information and card information required for payment of goods to a payment terminal, wherein the user A cart for storing the article read by the information reader; And
Payment terminal for receiving the payment target amount information and card information from the communication unit of the cart to generate a full payment approval
Including,
The payment terminal transmits the generated payment approval full text to a payment approval system, and the goods payment system using a cart, characterized in that for receiving a payment approval signal from the payment approval system side.

The method of claim 1,
Wherein the cart includes:
And a display unit for displaying the item information stored in the item information management unit.

The method of claim 2,
The display unit is a product payment system using a cart, characterized in that it comprises a touch screen for processing a user's touch input.

The method of claim 1,
The goods identification system using a cart, characterized in that the identification mark of the article is a barcode or RFID tag.

The method of claim 1,
The article information is a product payment system using a cart, characterized in that it comprises price information and identification information of the article.

The method of claim 1,
The card information reader unit includes a groove formed to insert a card for payment of a user's goods, and the goods payment system using a cart, characterized in that to read the card information when the card for payment of the user's goods into the groove.

The method of claim 1,
The payment card for the goods of the user is a product payment system using a cart, characterized in that the credit card having an IC chip that stores the user's credit card information.

The method of claim 7, wherein
And the card information reader unit reads credit card information including a credit card number and an expiration date stored in the IC chip.

The method of claim 1,
The payment terminal,
A communication unit which receives payment object amount information and card information from the communication unit of the cart; And
A payment approval message generation unit that generates a payment approval message based on the payment target amount information and the card information received by the communication unit.
Item payment system using a cart comprising a.

The method of claim 1,
The payment terminal transmits the received payment approval signal to the cart,
The cart is a product payment system using a cart, characterized in that it comprises a receipt output unit for outputting a payment receipt based on the received payment approval signal.

The method of claim 1,
And the card information reader unit displays the information related to the read card through the display unit.

In the method of payment of goods in the goods payment system according to claim 1,
A first step of reading the item information from the identification mark attached to the item by the cart and calculating payment target amount information to be paid by the user based on the read item information;
A second step of reading card information necessary for payment of goods from the user's payment card by the cart;
A third step of transmitting, to the cart, the payment target amount information and the card information necessary for payment of the goods to a payment terminal;
A fourth step of the payment terminal receiving payment target amount information and card information received from the cart to generate a payment approval message; And
A fifth step in which the payment terminal transmits the generated payment approval message to the payment approval system and receives a payment approval signal from the payment approval system;
Item payment method using a cart having a.

The method of claim 12,
The cart is a product payment method using a cart, characterized in that for displaying the goods information on the display.

The method of claim 12,
In the second step,
And the cart reads card information when a card for payment of a user is inserted into a card information reader including a groove formed to insert a card for payment for a user.

The method of claim 12,
The payment card for the goods of the user is a product payment method using a cart, characterized in that the credit card having an IC chip that stores the user's credit card information.

The method of claim 12,
After the fifth step,
Transmitting, by the payment terminal, the received payment approval signal to the cart; And
The cart outputting a payment receipt through a receipt output unit based on the received payment approval signal;
Item payment method using a cart characterized in that it further comprises.

The method of claim 12,
The cart further comprises the step of displaying the information associated with the card read through the display unit.